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Best credit card in Canada?

reddit.com › r › PersonalFinanceCanada › comments › 19c7uy7 › best_credit_card_in_canada

From BMO so not one of the banks listed...I like my BMO WE, 5% on groceries, 3% on gas (Can also use it at Costco since its MC), 2% on reoccurring bills. 4% on transit/ride share but I don't use that. 1% on the rest. Towing included (4 calls per year), 8 days out of province/country medical + Car rental insurance + Flight delay/Bagge insurance. If I recall correctly its one of the cars where you don't have to charge the trip to your card. Doubles your warranty up to 2 years. Answer from N0_Mathematician on reddit.com

reddit.com › r/personalfinancecanada › best credit cards for canadians

r/PersonalFinanceCanada on Reddit: Best credit cards for Canadians

June 14, 2025 -

I wanted to get the Amex cobalt but some friends are telling me that the signup bonus is a bit low rn and to wait for an offer.

Is there another card that’s worth it?

For reference I’m in the GTA and spend money on going out and groceries. Could also consider using chexy to pay for my rent.

I already have a Scotia passport infinite for lounge access and foreign travel.

Cobalt doesn’t usually have large signup bonus’. You may be holding out for nothing.

If you have Roger’s anything, including Fido, the Roger’s World Elite is almost unbeatable. Effectively 3% cash back on everything when applied against Roger’s purchases (bills, phones, etc).

reddit.com › r/personalfinancecanada › best credit card in canada?

r/PersonalFinanceCanada on Reddit: Best credit card in Canada?

January 21, 2024 -

Most credit cards that are “premium” are mainly giving travel benefits, but I was looking for a card with lots of cash back and other perks because I barely take flights so lounges ans such don’t matter, any recommendations? I’d prefer something from rbc, scotia bank or envision financial

From BMO so not one of the banks listed...I like my BMO WE, 5% on groceries, 3% on gas (Can also use it at Costco since its MC), 2% on reoccurring bills. 4% on transit/ride share but I don't use that. 1% on the rest. Towing included (4 calls per year), 8 days out of province/country medical + Car rental insurance + Flight delay/Bagge insurance. If I recall correctly its one of the cars where you don't have to charge the trip to your card. Doubles your warranty up to 2 years.

This site will analyze your spending and tell you which credit card is best for you. Also they give you $60 if you apply for a card through them and get accepted. https://app.finlywealth.com/calculator

reddit.com › r/creditcards › favorite credit card and why

r/CreditCards on Reddit: Favorite credit card and why

May 3, 2025 -

What's your favorite credit card for cash back, no interest introductory periods, and other incentives?

Venture X easily. 2x miles on everything, Annual fee is super easy to offset and effectively -$5/year. Visa card, so accepted everywhere (unlike Amex). Access to Cap One/Priority Pass lounges which is an amazing perk and has saved me a bunch of $ on meals while traveling. Free global entry/TSA precheck as well. Plus all the Visa Infinite perks like cell phone insurance, auto rental collision damage waiver, purchase protection, and return protection (which has come in handy for me several times).

USBAR but since it isn't open for application it's not a favorite that can be recommended, so US BANK Kroger cobranded cards, 5% on tap to pay up to up to 3k and amazingly no foreign transaction fee, so an absolute killer abroad where category codes can be tricky!

reddit.com › r/creditcards › looking for the best credit cards of 2025. need help!

r/CreditCards on Reddit: Looking for the best Credit Cards of 2025. Need help!

January 25, 2025 -

Hi everyone,

I am looking for the top 5 best overall credit cards for 2025. I travel a lot, eat out a lot, and get gas frequently. I am looking to capitalize on the best cards out there. I’m not very knowledgeable in the space so please help me out. Looking forward to everyone’s responses. Thank you!!

Best is subjective

Capital One duo, which is the venture X plus the savor is the best bang for buck in my opinion. Venture X pays for itself with the $300 travel credit and anniversary bonus. Gives you lounge access, TSA pre check credit, cell phone insurance, and a few other benefits. Savor gives you 3x on all dining and grocery for no annual fee. The savor cash back can be transferred to miles for travel

reddit.com › r/creditcards › what is the best travel credit card right now for someone planning a few trips next year?

r/CreditCards on Reddit: What is the best travel credit card right now for someone planning a few trips next year?

November 7, 2025 -

I am starting to plan out some travel for next year and I want to get the best card that can help me save a bit. I will be taking 2 or 3 international trips and a couple of local ones so I want something with good travel perks and points. I am okay with an annual fee if it actually gives value back. I am not super loyal to any airline or hotel so flexibility matters to me. I tried looking at a few blogs and comparison videos but everyone seems to say something different. Which card would you pick if you were in my shoes and why?

You can't be this lazy and want to do award travel. 🤦🏽‍♀️

Almost as if there isn’t one because it completely depends on your circumstances and there totally isn’t a !template to fill out or anything like that to give us any insight on what exactly it is you’re looking for. Also, here’s my obligatory paste text on point travel: Btw if you can’t be bothered to read all that and the linked readings in it, maybe rethink the point travel thing. Because “point travel” and “what card should I get” is kinda 1+1=2 in terms of self-explanatory.” Okay, I’m going to break this down as simple as possible. The Amex Gold is 4x on Dining. You can get cards with 5% cash back on Dining. If you spend $500 a month on Dining (the rough cap of most 5% cards), then you earn either $300 in cash back or 24,000 points per year. Points operate on a basis of cents per point, or CPP for short. The bare minimum you should aim for 1 CPP, or in other words, each point is worth 1 cent. This means every x points card is worth its equivalent in % cash back (2x=2%). This means if you redeem the $300 cash back and buy a $300 ticket, you must purchase that same ticket for 24,000 points for the 4x Amex Gold to break even against a 5% card. This puts your evaluation at 1.25 CPP. Any more and your effective value is higher than just getting a 5% card. Any less and you were better off getting the 5% card, assuming you do not hit spend limit cap of $500/month on Dining. So now you might be wondering, how do I even book a points trip? Read the doc in this thread Also in that doc is another guide on credit cards and techniques that is a prerequisite read. And yes, they’re long as fuck. You back yet? Cool. Now I’ll give you some homework. Go ahead and try and book a flight you would take right now that can use Amex transfers and is valued at 1.25 CPP or higher. After you’ve done that, congrats! You’re a points person if you decided this is what you’re willing to put up with. Hold up, one last thing. That $300 dollars? That’s cold hard cash. You can take that and do anything with it. Spend it. Light it on fire. Put it in a fund making 10% So, what if you just sat your ass on those Amex points? Let’s say you don’t use those points until 3 years from now. That $300 dollars if stuck in a 10% is no longer just $300. It’s now ~$399 dollars. Uh-oh. Now if you redeem at 1.25 CPP, you’re losing out. In order to beat it out, you have to redeem at 1.66 CPP. And as you can probably imagine, the higher the CPP, the harder it gets to redeem for value. And this isn’t factoring external factors like inflation reducing the value of cash, and therefore points redeemed in relation to cash, on top of things like point devaluations. “What’s point devaluations,” you say? Basically, these companies do not want to lose money on you. So what they do is change the values of points bookings over time. A 25K flight this year might be 30K in a year or two. So if the ticket price doesn’t increase at the same relative percentage (it doesn’t), this means your CPP will decrease.

reddit.com › r › CreditCards

October 28, 2025 - I think the premier is the best option here as $95 AF and a lot of the elite credits are kinda pointless to me / the way they're set up kinda sucks. (Lyft format is eh and I don't use meal delivery) I also checked the blacklane thing and if I were to use it for a trip to the airport (20 min drive usually) it would cost $160 on a random Saturday morning. I live alone currently and pay rent. My last card which is not a focus at all right now is the AA platinum select card.

reddit.com › r/creditcards › what’s your favorite credit card and why?

r/CreditCards on Reddit: What’s your favorite credit card and why?

October 6, 2025 -

I’m curious what everyone here considers their go to credit card.

Right now I have the Southwest Credit Card and Chase Sapphire, and I’m thinking about adding another to round out my setup.

Whether it’s for travel points, cash back, or underrated perks (like insurance, extended warranty, or lounge access), I’d love to hear which cards are actually worth keeping in your wallet and why.

Always pay in full, excellent credit, and open to ideas. What’s been your favorite card and what makes it stand out?

I have a decent bit of premium cards, but my favorite card is the Capital One Savor.

Amex BCE, 3% back online and 3% back on gas, plus the streaming credit for Disney/Hulu

reddit.com › r/creditcards › what is your best 'catch all' credit card and why?

r/CreditCards on Reddit: What is your best 'Catch All' Credit Card and Why?

July 21, 2024 -

How often do you use it?

Bank of America Premium Rewards. With platinum, it’s 2.62 on all purchases, and 3.5 on dining and travel.

I use my Venture X as a catch all and use it several times a week. I go through phases where I use different cards to maximize points, but most of the time I want simplicity.

reddit.com › r/creditcards › what’s your favorite card?

r/CreditCards on Reddit: What’s Your Favorite Card?

July 29, 2023 -

Simple question- what’s your favorite card (that you actually hold) and why?

I really enjoy the Capital One Venture. C1 has a fantastic app, the rewards post quickly, the card looks nice, and the earning structure is very straight forward. If I could only have 1 card this would probably be it.

Runner-up for me in the “favorite” category would be the Amex Green. Again, the app is wonderful and I just love the nostalgic vibe of such a classic card. Amex customer service has always been top notch for me. Drawbacks are Amex acceptance, and the annual fee is a little steep for my use compared to the value.

Chase sapphire preferred. Cheap annual with primary car rental insurance and $50 hotel credit. 25% more bonus for points is great too.

Amex BCP. Groceries are my highest spend. Multipliers on streaming and gas are nice, as well as the purchase protection, return protection and extended warranty it provides.

Find elsewhere

Google Bing Mojeek

reddit.com › r/creditcards › what are your favorite credit cards and why?

r/CreditCards on Reddit: What are your favorite credit cards and why?

November 27, 2025 -

Since Discover was bought by Capital One, I've been debating on opening a second credit card. I have a Discover It card and have had it since 2017. I'll keep it but I probably won't use it much anymore. What are some other good rewards cards without annual fees?

So far VentureX. I don't like carrying a bunch of cards for different purposes. So the VentureX is the most well rounded for me personally as a catch-all

Altitude reserve (rip) for that sweet 4.5% back on tap.

reddit.com › r/creditcards › best cash back card in 2024

r/CreditCards on Reddit: Best Cash Back Card In 2024

March 3, 2024 -

Looking to get a cash back card on everything without having to jump thru hoops and or movable categories. Any suggestions.

If you travel, I would consider the U.S. Bank Altitude Reserve and, if you do not, the Redstone FCU Visa Signature.

Fidelity Rewards Visa is my catch-all. 2% cash back when deposited into a Fidelity account, which is awesome because they're also my 5% APR checking account.

reddit.com › r/personalfinancecanada › what are some good credit cards?

r/PersonalFinanceCanada on Reddit: What are some good credit cards?

November 21, 2025 -

Currently, I am a customer of CIBC and TD. I am 20 and am looking to apply for a credit card. If I plan to, say, lease a car and rent a place within the next 3-10 years, is now the best time to apply, or is it too late? I looked at AMEX (this is American however), BMO, RBC, and CIBC and TD Aeroplan. Should I stick with what I have, or open a new account for applying? Should I also open an online bank like Simplii?

big banks usually have terrible credit cards, use the following site for credit card selection https://www.finlywealth.com/calculator

Hello, That depends on your needs and wants. Can you tell how much you spend monthly and on what categories. What’s your credit score if you have ? Personally, I am credit card customer of multiple banks, Scotiabank, CIBC, TD and online banking as well. I spread my expenses evenly so that all of them are active. And my chequing account is with Scotia and CIBC and eq. Let me know your spendings and categories, I can try to help you with that. Personally I prefer CIBC as you’re their customer so you won’t even need to pay annual fees if you opt for one of their paid cards

reddit.com › r/personalfinancecanada › [deleted by user]

Best credit cards 2025 : r/PersonalFinanceCanada

January 26, 2025 - Considering you do bank with BMO, I'd either switch your current credit card to the BMO World Elite Cashback card, or switch it to a no-fee cashback card. ... People here recommending specific cards when in reality, churning is the only way you'll collect enough points to actually make you money on your spending. ... Simplii financial visa for food mainly, 4% at restaurants/bars, 1.5% gas and groceries, 0.5% on everything else, no annual fee. Best credit card in my line up.

reddit.com › r/creditcards › what credit cards are you actually keeping long-term, and why?

r/CreditCards on Reddit: What credit cards are you actually keeping long-term, and why?

November 8, 2025 -

I feel like I’m always switching cards chasing points, cash back, or sign-up bonuses, but I’m wondering, what cards do people actually stick with for years?

For context, I travel a couple times a year, like some dining perks, and care about no foreign transaction fees. I’ve tried a few premium rewards cards, but I often end up not using all the perks.

Which cards have you found worth holding onto, even after the initial bonuses are gone? What makes them worth it for you?

Pretty much every card I have right now. They are all no AF cashback cards (+ the savor). Since I’m still young, these will be my oldest lines of credit and I want to make sure I never have to cancel them. •Elan Max Cash - 5% on utilities. I own my house. Seems like a no brainer to have a (x2) 5% category selector card that auto resets your categories. Literally never do anything for this card. Utilities on autopay, card on autopay, I get auto paid. Never cancelling •Apple Card - probably my worst card, but still free, and I’m deeply invested in the Apple ecosystem, so it is alright I guess. Best UI of any card out there hands down. I got it when it could get 3% on tap and 5% on Apple, then I didn’t even get to use the card before they nerfed it. •Fidelity Visa: I love this card. Everyone under the age of ≈45 should get this card. Not only is it a 2% card that can pay anything no questions asked (I use it for taxes), but it also encourages good saving habits. Credit cards are not the only part of finance you should be educated in, and Fidelity is a great business to be a customer of. •Savor - I don’t spend enough money on food to break-even with the gold card yet. + CapitalOne won’t give you any cards if you have too many from other issuers, so it’s good to crack into the Cap1 ecosystem early. •My next card is probably going to be the AMEX Blue Cash Preferred. I have Disney+ so it’s literally free money, + it’s really solid outside of that considering the AF is paid for by the Disney credit

I use all my cards tbh. Some more than others, but all used. -Discover IT is great for the rotating 5% categories. Especially when they’re restaurants, wholesale clubs (I do my grocery shopping at Walmart), and Amazon. -Apple Card is basically at 2% catch all that allows you to do interest free financing on apple products and gives you the ability to use apple’s savings. -Citibank Double Cash is another 2% catch all with less perks than Apple, but I use when Apple Pay isn’t accepted. -Wells Fargo Autograph is great for travel and gas (3x points). And now their points are 1:1 with Jetblue. -Chase Sapphire Preferred opens up the exporting of points from Chase and gets 3X points on dining. Chase absolutely has the best partners, so I’m even considering a Chase FU for an upcoming $$$ purchase.

reddit.com › r/personalfinancecanada › best cash back or point credit cards in canada?

r/PersonalFinanceCanada on Reddit: Best cash back or point credit cards in Canada?

September 25, 2025 -

My family and I currently put nearly all of our purchases, bill payments, and charitable giving on our Costco credit card.

After reviewing our statements, I realized that over the past few years we’ve charged close to $50,000 annually, yet the cash-back return feels underwhelming.

Given that level of spending, I’m wondering which credit card might be the best fit for maximizing cash back or points. We rarely travel internationally, so I’ve leaned toward cash-back rewards instead of travel points, but I’m open to either if the value is compelling.

What card would you recommend for someone with this spending pattern?

Credit card churning maximizes earn rate. Other wise the amex cobalt is best for points, rogers bank we 3% (if you have rogers fido bill otherwise 1.5%), wealthsimple visa if you can get it for free. MBNA We is also good but only in specific categories, best to pair it with another card.

I have the Scotia Momentum Visa Infinite (had for years) It gives: 4% on groceries and recurring payments 2% on gas and daily transit 1% on everything else There are some additional T&Cs around this. Cost is $120/year. They pay back once a year, in my case in November This year I'm getting back over $800 so far

reddit.com › r/creditcards › best credit card for an average person?

r/CreditCards on Reddit: Best credit card for an average person?

June 18, 2025 -

So I am a single person who doesn’t travel a lot, maybe once a year if that. I don’t spend a lot of money in one category etc. dinning, gas, travel. My highest category would probably be groceries which is around 200 a month. My highest real expenses are mortgage, utilities, insurance and the like. Everything else is just general shopping, clothes, hygiene items, and household items. My question is, what credit card will get me the best value. I have been looking at the Chase Sapphire Preferred and the Capitol One Venture Rewards and neither seem like they would be a good fit because they don’t have a good value for “other” spending. I would like to start earning points so that I could redeem them and travel more, but am wondering if it would even be worth it or if I should just go with something else. I’m not interested in having a bunch of cards to balance and shuffle between either.

Cap one saver or amex blue cash everyday.

Yeah sapphire and venture are kinda meh if you’re not traveling much. For everyday stuff and groceries, you’re better off with a flat 2% card. No thinking, just swipe and move on. I’ve got the fasten rewards card and it’s been solid for that

reddit.com › r/personalfinancecanada › best credit card 2024?

r/PersonalFinanceCanada on Reddit: Best credit card 2024?

September 11, 2024 -

In terms of rewards I’d like to see what you are using. Do you feel rewarded? I’m currently using the CIBC Costco card (3% cash back) for personal and earning nothing on my business card as I do very little spending but I’m switching gears and will need a good business card soon as well. TIA!

There's no best credit card overall, it all depends on your spending habits . I have my 3 regulaea credit cards Rogers WE, Triangle WE and the MBNA WE . I've been churning credit card,so that's been the best reward for me.

For me, it's been the Amex Cobalt. 1:1 Points transfer to Air Canada Aeroplan. 5X POINTS restaurants, groceries or food delivery 3X POINTS streaming subscriptions 2X POINTS On gas, transit & ride share 1X POINTS On everything else If you spend a decent amount on food, dining and general entertainment, you can quickly rack up points. Easy 1 free trip per year with Aeroplan $150 Annual fee

reddit.com › r/personalfinancecanada › what is the best one-for-all credit card for regular everyday use?

What is the best one-for-all credit card for regular everyday use? : r/PersonalFinanceCanada

August 18, 2025 - IMO the wealthsimple card is the best option. I've had a range of cards like the Tangerine WE, Scotia Visa Infinite, Amex, etc. Even if you're super dialed about knowing which card you need to use for the most return, sometimes the merchants don't use the correct codes.

reddit.com › r/personalfinancecanada › best credit card to have in canada?

r/PersonalFinanceCanada on Reddit: Best credit card to have in canada?

July 11, 2023 -

I have a RBC credit card which I have been using for 2 years. I am thinking about getting a new one. Which will be some of the best credit cards to have living in BC, canada? It can be based on cash back or reward systems.

There is no ‘best’ credit card in Canada. It is all what works for you is best and what you want in it and if you want to to fee based or no fee based. This is asked every day. Edit: If you know how to maximize the earnings of points and points worth/value for redemption , get a rewards points one. If rewards points are too complicated, use cash back

Amex Cobalt if you like flying on planes, that 1:1 aeroplan conversion is gold.

reddit.com › r/creditcards › best overall credit cards today

r/CreditCards on Reddit: Best Overall Credit Cards Today

April 2, 2024 -

Just wondering what are the best credit cards overall on the market right now? Are there any sleepers that most people don’t know about?

No card is one size fits all. People have different spending habits and goals. For cash back you definitely have a lot more choices for lenders. For those who want to travel, there are only ~6 lenders that are worth a look (in my opinion).

The best credit card is the one that fits your current spending pattern. Far too many people focus on getting cards that doesn't make any sense for them just because someone else said that card was a "keeper". Ex. My main airport is a major OneWorld hub. Delta miles and United miles are worth 0 to me but Avios and AA miles are incredibly valuable.