What is the best credit card in Canada right now?

The best credit card depends on your spending habits. For most Canadians, cards like the Scotiabank Gold American Express or American Express Cobalt offer excellent value with high rewards on everyday categories like groceries and dining. If you prefer simplicity, the Tangerine Money-Back Credit Card offers solid cash back with no annual fee.

How do I choose the right credit card?

Consider these factors: 1) Your primary spending categories (groceries, gas, dining, travel), 2) Whether you prefer cash back or travel rewards, 3) Your tolerance for annual fees, 4) Your credit score and income level. Use our comparison tool to filter cards based on your priorities.

What credit score do I need for the best credit cards?

Premium rewards cards typically require a credit score of 700+ and often have income requirements ($60,000+ personal or $100,000+ household). However, there are excellent no-fee and secured card options available for those building or rebuilding credit.

Are credit card rewards worth it?

Yes, if you pay your balance in full each month. Interest charges (typically 20%+) will quickly outweigh any rewards earned. For responsible users, rewards can be worth $500-$2,000+ per year depending on spending and card choice.

How often are your credit card rankings updated?

We update our rankings monthly to reflect the latest offers, rate changes, and new card launches. Our data is sourced directly from official bank websites and verified for accuracy.

Best Credit Cards in Canada 2025 | Compare Top Picks

Finding the right credit card can save you hundreds of dollars in rewards and benefits each year. Our data-driven comparison tool analyzes over 30 Canadian credit cards across rewards rates, annual fees, welcome bonuses, and perks to help you find the perfect match for your spending habits.

Whether you're looking for cash back on groceries, travel rewards for your next vacation, or a no-fee card to build credit, we've ranked the top options from major Canadian banks and fintech providers.