Refpo Credit Cards

Best Credit Cards in Canada

Browse country-specific cards and compare fees, rewards, and benefits.

Neo Financial

Neo World Elite Mastercard

A premium cashback card designed for high-income Canadians that offers 5% cashback on groceries, 4% on recurring bills, 3% on gas and EV charging, and 1% on everything else. It also provides access to Neo's network of 10,000+ partner merchants for additional cashback opportunities.

5% cashback on groceries
4% cashback on recurring bills
3% cashback on gas and EV charging

Joining fees

Zero

Renewal fees

C$125

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Scotiabank

Scotiabank Passport Visa Infinite+ Card

One of Canada's strongest travel credit cards, offering no foreign transaction fees, 6 complimentary airport lounge visits annually, flexible Scene+ travel rewards, and comprehensive travel insurance. Ideal for frequent travelers who spend abroad.

No 2.5% foreign transaction fee
6 complimentary airport lounge visits
Travel Emergency Medical Insurance

Joining fees

None

Renewal fees

C$150

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American Express

American Express Cobalt® Card

One of Canada's best travel rewards credit cards, offering up to 5x Membership Rewards points on dining and groceries with flexible airline and hotel transfer partners including Aeroplan, British Airways Avios, and Marriott Bonvoy.

Transfer points to Aeroplan
Transfer points to British Airways Avios
Transfer points to Air France KLM Flying Blue

Joining fees

None

Renewal fees

C$15.99/month (C$191.88/year)

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CIBC (Canadian Imperial Bank of Commerce)

CIBC Dividend® Visa Infinite Card

One of Canada's best fuel cashback credit cards, offering 4% cashback on gas, EV charging, and groceries, plus strong everyday rewards, mobile device insurance, and gas savings through Journie Rewards.

Mobile Device Insurance
Emergency Travel Medical Insurance
Rental Car Collision & Loss Damage Insurance

Joining fees

None

Renewal fees

C$120

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Scotiabank

Scotiabank Passport® Visa Infinite Business Card

One of Canada's best business credit cards, offering no foreign transaction fees, airport lounge access, Scene+ rewards, travel insurance, and business expense management tools.

No foreign transaction fees
6 airport lounge visits annually
Travel medical insurance

Joining fees

None

Renewal fees

C$199

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BMO (Bank of Montreal)

BMO CashBack® World Elite® Mastercard®

One of Canada's top cashback credit cards offering up to 5% cashback on groceries, strong rewards on transit, gas and recurring bills, plus comprehensive travel and purchase insurance benefits.

Out-of-Province Emergency Medical Insurance
Rental Car Collision Coverage
Trip Interruption Insurance

Joining fees

None

Renewal fees

C$120

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American Express

SimplyCash® Preferred Card

One of Canada's top cashback credit cards offering industry-leading 4% cashback on eligible grocery and gas purchases and 2% cashback on all other spending. Ideal for families and everyday spenders.

4% cashback on eligible grocery purchases in Canada
4% cashback on eligible gas purchases in Canada
2% cashback on all other eligible purchases

Joining fees

Zero

Renewal fees

C$119.88/year

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Compare

Compare Cards

Card 1Card 2

Field	Neo World Elite Mastercard	Scotiabank Passport Visa Infinite+ Card
Bank/provider	Neo Financial	Scotiabank
Joining fee	Zero	None
Renewal fee	C$125	C$150
Best for	Families spending C$500+ monthly on groceries and recurring bills who want maximum cashback without dealing with points programs	International Travel, Airport Lounge Access, No Foreign Transaction Fees
Reward rate	Groceries: 5% Recurring bills: 4% Gas and EV charging: 3% Other purchases: 1%	Groceries: 3 Scene+ Points per C$1 Dining: 3 Scene+ Points per C$1 Entertainment: 3 Scene+ Points per C$1 Daily Transit & Rideshare: 2 Scene+ Points per C$1
Cashback	If you keep money in a Neo Everyday account, cashback can increase No points conversion. Estimated yearly value**: Up to C$1,300+ for higher spenders	Groceries: 3% Dining: 3% Entertainment: 3% Transit: 2%
Lounge access	Included DragonPass membership with access to 1,300+ airport lounges worldwide Visits are paid, usually about US$32 each	Lounge Program: Visa Airport Companion Included Visits: 6 per year Lounge Network: 1,200+ Airport Lounges Worldwide
Fuel surcharge waiver	No but Fuel Cashback- 3% on Gas & EV Charging (up to C$1,000/month)	Fuel Surcharge Waiver: No Fuel Rewards: Standard Scene+ earn rate only
Welcome benefit	Welcome Benefit None Third-Party Offer	Up to 60,000 Scene+ Points
Annual fee waiver condition	No	First Year Free: No Ongoing Waiver: Possible through eligible Scotiabank banking packages
Eligibility	Canadian residency Age of majority in your province Personal income of at least C$80,000 or	Canadian resident Age of majority in province/territory C$60,000 personal income OR
Apply link	Apply Now	Apply Now

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