Refpo Credit Cards

Best Credit Cards in Canada

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

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

Frais d'adhésion

Zero

Frais de renouvellement

C$119.88/year

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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

Frais d'adhésion

Zero

Frais de renouvellement

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

Frais d'adhésion

None

Frais de renouvellement

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

Frais d'adhésion

None

Frais de renouvellement

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

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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

Frais d'adhésion

None

Frais de renouvellement

C$199

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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

Frais d'adhésion

None

Frais de renouvellement

C$120

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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

Frais d'adhésion

None

Frais de renouvellement

C$120

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Compare

Compare Cards

Card 1Card 2

Field	SimplyCash® Preferred Card	Neo World Elite Mastercard
Bank/provider	American Express	Neo Financial
Joining fee	Zero	Zero
Renewal fee	C$119.88/year	C$125
Best for	Grocery, Gas & Everyday Cashback	Families spending C$500+ monthly on groceries and recurring bills who want maximum cashback without dealing with points programs
Reward rate	4% on Groceries, 4% on gas, 2% on all other eligible purchases	Groceries: 5% Recurring bills: 4% Gas and EV charging: 3% Other purchases: 1%
Cashback	Up to 4%	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
Lounge access	No	Included DragonPass membership with access to 1,300+ airport lounges worldwide Visits are paid, usually about US$32 each
Fuel surcharge waiver	No	No but Fuel Cashback- 3% on Gas & EV Charging (up to C$1,000/month)
Welcome benefit	Up to C$250 bonus value (offer may change)	Welcome Benefit None Third-Party Offer
Annual fee waiver condition	No	No
Eligibility	Canadian resident Age of majority in province/territory Good credit history recommended	Canadian residency Age of majority in your province Personal income of at least C$80,000 or
Apply link	Apply	Apply

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Choose a credit card based on spending pattern, annual fees, joining benefits, reward value, eligibility, and waiver conditions.