Top Credit Cards in Canada (2025 Edition)
Here are some of the top credit cards in Canada by category, especially good picks if you’re younger and want value. Make sure to check current rates & sign-ups as offers change.
🔹 1) Best Credit Cards in Canada for Low Interest Rates
These cards are perfect if you occasionally carry a balance or want minimal interest charges.
RBC Visa Classic Low Rate Option
Low fixed interest rate
Affordable annual fee
Great for students or first-time credit users
MBNA True Line Gold Mastercard
One of the lowest interest rates available
No balance transfer fee
Easy approval with fair credit
Lower-than-average APR
Minimal annual fee
Good for basic, everyday spending
Low interest on purchases and balance transfers
Includes travel accident insurance
Great for budgeting and debt repayment
Customizable interest rate or cashback options
No annual fee available
Competitive insurance and security features
🔹 2) Best Points Credit Cards in Canada
Maximize rewards on everyday purchases like groceries, takeout, and subscriptions.
5x points on food, drinks, and groceries
Monthly fee structure for budget flexibility
Redeem points for travel, shopping, or transfers
Scotiabank Gold American Express
5x on groceries, restaurants, and streaming services
No foreign transaction fees
Strong travel and purchase insurance
TD First Class Travel Visa Infinite
3x points on travel and everyday categories
Flexible redemption through TD’s travel portal
Includes a strong insurance package
Broad travel and merchandise redemption options
Points never expire
Access to exclusive Avion rewards and offers
MBNA Rewards World Elite Mastercard
Strong welcome bonus and earn rates
Redeem for travel, gift cards, or statement credits
Includes travel and purchase protections
🔹 3) Best Travel Credit Cards in Canada
Ideal for frequent flyers or digital nomads who want travel rewards and perks.
Scotiabank Passport Visa Infinite
No foreign transaction fees
Includes airport lounge access
Comprehensive travel insurance coverage
High rewards on travel and dining
Flexible point transfers to travel partners
Mobile device and travel coverage included
Earn Aeroplan points quickly
Free checked bag on Air Canada flights
Includes strong travel insurance and perks
Scotiabank Platinum American Express
Premium travel benefits and high earn rates
Trip cancellation and interruption insurance
Ideal for luxury and frequent travel
Solid travel perks at a lower fee
Includes lounge access and travel insurance
Great for first-time travel card users
🔹 4) Best Secured Credit Cards in Canada
Great for building or rebuilding credit — no credit history? No problem.
No annual fee
Earn cashback at partnered retailers
Low deposit requirement ($50+)
Choose between no annual fee or lower interest
Credit limit based on your deposit
Builds credit with responsible use
Capital One Guaranteed Secured Mastercard
Guaranteed approval with minimum deposit
Helps build credit fast
Includes purchase protection and extended warranty
Backed by a cash deposit
Offers standard Visa benefits
A good option for establishing credit history
KOHO Prepaid Mastercard with Credit Building
Not a traditional credit card, but builds credit with monthly reporting
No credit check required
Ideal for budgeting and financial control
✅ Do your own research as well to make an informed decision!
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