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rates.ca › credit-cards

Best Credit Cards of 2025 in Canada

Additionally, extra perks and benefits provide users access to comprehensive travel insurance coverage, exclusive deals and, most importantly, high earn rates for everyday purchases like gas and groceries. We compared the leading rewards credit cards using our Best of Finance methodology and ranked the cards with the highest first-year value, the most flexible rewards and robust benefits.

rbcroyalbank.com › credit-cards › tools › compare-credit-cards.html

Compare and Find the Best Credit Card for You - Royal Bank of Canada

Compare RBC credit cards to find the one that best matches your needs. Use our comparison tool to view travel, rewards and more credit cards. Apply online.

People also ask

What is the best credit card to build credit?

The best credit card to build credit in Canada is the Secured Neo Mastercard, thanks to its low $50 minimum security deposit, easy approval, and cash-back rewards—something most secured credit cards don’t offer. It’s a strong option for anyone looking to establish or rebuild their credit history while earning up to 1% back on gas and groceries and higher rewards at Neo partner retailers.

ratehub.ca › blog › best-credit-cards-in-canada

The best credit cards in Canada for 2026 | Ratehub.ca

What is the best cash back credit card?

Our top pick for the best cash back credit card in Canada is the CIBC Dividend Visa Infinite, thanks to its industry-leading 4% cash back on groceries and gas, plus 1% cash back on all other purchases. These high earn rates make it especially rewarding for families and anyone who spends heavily in essential categories. The card also features CIBC’s Cash Back on Demand tool, allowing you to redeem your rewards anytime once you reach a minimum of just $10.

ratehub.ca › blog › best-credit-cards-in-canada

The best credit cards in Canada for 2026 | Ratehub.ca

What is the best credit card for travel?

The best travel credit card in Canada is one that combines strong travel rewards with valuable perks. So if you’re looking for a well-rounded, lucrative rewards card that’s just as great for everyday spending as it is for travel, the American Express Cobalt has got you covered and is considered to be the best rewards credit card in Canada. Cardholders can take advantage of the strong travel insurance, impressive welcome bonus and flexible point redemption options. The Scotiabank Passport Visa Infinite card is the ultimate travel credit card with valuable benefits that set it apart from others.

ratehub.ca › blog › best-credit-cards-in-canada

The best credit cards in Canada for 2026 | Ratehub.ca

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ratehub.ca › blog › best-credit-cards-in-canada

The best credit cards in Canada for 2026 | Ratehub.ca

1 week ago - With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history · Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most. Pay for business expenses over time with Flexible Payment Option

ratehub.ca › credit-cards

Compare the best credit cards in Canada - Ratehub.ca

Get up to $1,700 in value including up to 115,000 points, Mastercard Travel Pass Program & 4 Complimentary Lounge Passes, NEXUS Statement Credit and the annual fee waived in the first year for both the primary cardholder and authorized users.* Plus, get 0%s introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.

cibc.com › en › personal-banking › credit-cards › no-annual-fee.html

Choose the Best CIBC No Annual Fee Credit Cards in Canada for You

When you’re comparing credit cards, choose the card that gives you the most value for your lifestyle and spending habits. If you enjoy traveling, a no annual fee travel rewards card may be a great fit. Or if you prefer to earn cash back on everyday purchases, go with a no annual fee cash back card. Think about the card features that are most important to you. Consider things like annual fees, interest rates, credit limits and welcome offers. Once you’ve found the best credit card for you, start the application process.

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Compare Canada's Credit Cards All In One Place

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money.usnews.com › home › credit cards › best credit cards for good credit of december 2025

Best Credit Cards for Good Credit of December 2025 | U.S. News

April 24, 2023 - IHG One Rewards Traveler Credit Card: Best feature: Bonus points at IHG hotels. If you have a FICO score of 670 to 739, then you have a good credit score. Good credit opens the door to credit cards with better benefits, lower fees and decent rewards. However, you may not qualify for the lowest possible interest rates without excellent credit.

mastercard.com › us › en › personal › find-a-card › credit-card › credit-type › good-credit.html

Credit Cards for Good Credit - Mastercard

Find credit cards from Mastercard for people with good credit. Compare credit cards from our partners, view offers and apply online for the card that is the best fit for you.

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td.com › ca › en › personal-banking › products › credit-cards › browse-all

Best TD Credit Cards in Canada | TD Canada Trust

Account must be approved, open and in Good Standing. Offer effective as of September 4, 2025. ... Invest back into your business with Cash Back Dollars. ... Getting the right TD credit card starts with comparing and finding one that is compatible with your income, spending habits and financial goals. Once you have chosen the TD credit card that is right for you, select the “Apply online” button to start the application process.

hellosafe.ca › home › credit cards

The Top 10 Credit Cards for December 2025

April 24, 2024 - Our selections of the best credit cards in Canada. Compare today. Cash back. Rewards. Students. Balance transfer. Travel. Low interest.

cibc.com › en › personal-banking › credit-cards › comparison.html

Credit Card Comparison | CIBC

Compare CIBC credit cards in Canada to find the best credit card for you. Use our credit card comparison tool to compare features, interest rates, reward programs and fees.

mastercard.ca › en-ca › find-a-credit-card

Apply for Credit Cards | Compare Best Credit Card Offers & Rewards | Find a Credit Card

To apply for a credit card online, compare the best credit card offers and rewards. Find the right Mastercard credit card to suit your needs.

forbes.com › advisor › ca › credit-cards › best › excellent-credit

Best Credit Cards For Excellent Credit In Canada For 2025 – Forbes Advisor Canada

October 8, 2025 - They are provided as guidelines to the issuer, which may take different factors into account, and approval is not guaranteed. ... The SimplyCash® Preferred Card from American Express is a good choice for those seeking cash-back rewards.

koho.ca › learn › best-credit-cards-for-building-your-credit

Best Credit Cards for Building Your Credit in Canada | KOHO

November 6, 2025 - This card can help people take control of their future by helping them build their credit. ... Choose the Right Starting Point: If you're completely new to credit, KOHO might be your best bet.

reddit.com › r/creditcards › recommendations on credit cards

r/CreditCards on Reddit: Recommendations on credit cards

December 1, 2024 -

I need help figuring out what credit card works best for me and my situation. I don't have much knowledge when it comes to credit cards. I tend to look for advice on different cards then get overwhelmed and end up not applying at all.

Some background info: I am 23 years old, work full-time, and am debt-free. I currently live at home (pay no rent), only pay the phone bill, and travel about 2-3 times a year (hoping to do it more often). I live in a small town. I have a bank account through my local bank and savings through Discover. I have a large amount saved in my savings account (if that plays into my income). I applied for a rewards credit card through my bank in April and was declined. I don't mind paying a credit card annual fee if I get good enough rewards.

Current cards:

Visa Platinum College Real Rewards Card $1000 (I was approved of a credit limit increase as of 12/1 after updating my income), August 2020
FICO Score: 728
Oldest account age: 4 years and 3 months
Chase 5/24 status: 0/24
Income: 80,000 (gross) and 58,000 (net)
Average monthly spend and categories:
- dining $200-400
- groceries: $300 (I tend to shop at Walmart and Hy-vee)
- gas: $60
- travel: $50-100
- shopping: $500
- pet bills: $60
- phone bill: $100
Open to Business Cards: e.g. No
What's the purpose of your next card? Travel, Cashback
- Capital One Venture Rewards or Capital One Venture X
- Chase Freedom Unlimited
- Chase Sapphire Preferred
- American Express Gold Card
Are you OK with category spending or do you want a general spending card? I would want a general spending card. I want to transition from using my debit card to using a credit card for its perks.

I am open to hearing any thoughts on my situation and would be grateful for any recommendations! TYIA!

Edit:

Capital One: pre-approved for Quicksilver Rewards, Savor Rewards, Venture Rewards, VentureOne Rewards, Platinum Mastercard, and Venture X.

Chase: pre-approved for Chase Freedom Flex, Chase Freedom Unlimited, Chase Slate Edge, Chase Sapphire Preferred, Chase Sapphire Reserve, Southwest Rapid Rewards Plus, and United Explorer Card.

American Express: pre-approved for American Express Gold.

There are 3 major credit card issuers tthat will earn you the best value for travelling with points and miles. Choose one of the issuers and combine points. Or you can start your journey with multiple of them. CHASE - This is hands down, one of the best credit card issuer and their credit card set up is easy to follow and also called as Chase trifecta in the industry. Here's how I would go about getting these cards: I would say start with Chase Freedom Flex which gives you 5% in rotating quarterly categories (dining, gas, grocery, amazon, etc) And then get Chase Freedome Unlimited which would give you 1.5% on every pther purchase. Both of them comes with a sign up bonus of $200 (equals to 20,000 chase points) after spending $500. Currently, Freedom unlimited has an offer of 25,000 points or $250. Do not spend these points on cashback and try to save them better value with my next suggestion. Finally get a annual fee credit card called Chase Saphhire Preferred ($95) or Chase Saphhire Reserve ($550). They have a standard sign up bonus of 60,000 points but I have seen offers upto 80,000 points. They provide a statement credit of $50 and $250 respectively towards travel to offset the annual fee. You can combine the points on your other cards to this premium card and spend them on travelling. It will be a total of (20,000+20,000+60,000) 100,000 points. So now, if you have the Chase Sapphire preferred, your 100,000 points are worth $1,250 towards travel (1.25 cent = 1 point). If you have Chase sapphire reserve, your 100,000 points are worth $1,500 towards travel (1.5 cent = 1 point). You can also make more value out of them by transferring them to airlines or hotels like Hyatt. These points figures above are just purely from sign up bonus. You will be earning more from using right credit card according to their spending categories and making even more points. That would be a lot of travellinf and great value. If you want to know more about American Express and Capital One card setup. Lmk, I can write a similar reply for them too. Capital One has a real good and almost one of the most best-value card set up if you want to travel more. Amex is awesome too, but I just place them down because of their high annual fees. But, you can still make a good value out of them despite the big sticker price.

Your existing card gives 1.5% cashback, which is a start. Any rent? What Capital One cards do you pre-approve for? General pre-approval: https://www.capitalone.com/credit-cards/preapprove/ Venture X-specific pre-approval: https://www.capitalone.com/credit-cards/preapprove/venture-x I am skeptical you’d be pre-approved for Venture X — it requires a minimum $10K CL — but your pre-approval results through both tools would give us a better feel for how your credit profile is evaluating.

usa.visa.com › pay-with-visa › find-card › apply-credit-card › good

Credit Cards for Good Credit Score - Visa

Discover Visa personal payment solutions, secure transactions, travel support, cards and rewards designed to bring more value to your everyday experiences.

finlywealth.com › credit-cards

Compare and Find the Best Credit Cards in Canada

Finally, enter your credit score and income to filter for cards you're more likely to be approved for. By default, the tool ranks cards based on Net Annual Rewards Earned, which reflects long-term value. However, if you're looking for a large welcome bonus and plan to switch cards frequently, you can change the sorting to First-Year Value to prioritize short-term gains. Check your approval odds. Many premium cards require good ...

forbes.com › advisor › ca › credit-cards › best › best-credit-cards

Compare The Best Credit Cards In Canada For 2025 – Forbes Advisor Canada

December 1, 2025 - When you see credit cards for good credit in Canada, that’s a credit score somewhere between 660 and 900. Not all of the best credit cards have income requirements. For example, the American Express Cobalt Card, the TD Aeroplan Visa Platinum Credit Card and the Tangerine Money-Back Credit Card don’t require a certain annual income.

creditkarma.com › credit-cards › good-credit

Best Credit Cards for Good Credit for December 2025

November 10, 2020 - Credit card issuers rarely indicate which credit scores are most likely to qualify for which cards. To help your search, we picked our best credit cards for good credit by identifying cards that make it clear they’re available to people who fall within that score band.

reddit.com › r/personalfinance › best credit cards for 800+ credit scores?

r/personalfinance on Reddit: Best credit cards for 800+ credit scores?

July 11, 2024 -

I’ve been using the same credit card since I started building credit. I’ve always paid it off monthly, so having a particularly “good” card has never really mattered to me.

I’m solidly into the 800s now, and I’m curious if getting a better card would do anything for me. Is it worth looking into getting something different?

Eta: I still plan on using it only for petty purchases and paying it off monthly. Also annual fees are gonna be a pretty hard no for me

I keep things simple … no fee 2% cash back card. I find rotating cards for specific spending not worth my time. And it is really difficult for the average person to recoup credit card fees unless they are in a special situation (like high business spend on your own personal card).

If you're responsible there are plenty of cards that offer some sort of reward for simply using it. Avoid annual fees if you cannot truly justify them. https://thepointsguy.com/credit-cards/best/