Comparatif

Credit cards

The right card depends on how you spend. This is a curated shortlist by need; rewards, fees and rates change, so confirm the current terms at the issuer. We'll note affiliate links where present.

Les chiffres, en bref : Annual fees range from $0 (no-fee cash-back and student cards) to several hundred dollars (premium travel). Purchase interest is typically ~19.99%+ unless it's a low-interest card. Figures are typical ranges as of August 2026 — confirm current terms at the issuer.

Liste organisée · vérifiée le 2026-08-03. Les taux, frais et récompenses changent — confirmez les conditions actuelles auprès du fournisseur avant de faire une demande. Certains liens peuvent être des liens d'affiliation; les classements sont sur le mérite. Voir nos divulgations.

Produit	Chiffres clés*	Reconnu pour	Idéal pour	Notes
No-fee cash-back cards Tangerine · Rogers · Neo	$0Annual feeup to ~2–4%Cash back*	Cash back with no annual fee	Everyday spending without a fee	No annual feeCash back
Grocery & gas cash-back cards CIBC · Scotiabank	~$0–120Annual fee*up to ~4–5%Groceries*	Higher cash back on groceries, gas and recurring bills	Families with big grocery spend	Cash backAnnual fee
Travel rewards cards Amex · Scotiabank · TD	~$120–799Annual fee*travel/loungePerks	Points on travel & dining, plus travel perks	Frequent travellers who spend on dining/travel	TravelAnnual fee
No-FX-fee cards Wealthsimple · Scotiabank Passport	0%FX markup$0–150Annual fee*	No foreign-transaction markup on purchases abroad	Travellers and cross-border shoppers	No FX feeTravel
Low-interest cards MBNA · Scotiabank	~12.99%Purchase APR*~$0–120Annual fee*	A lower ongoing interest rate for carried balances	Anyone carrying or paying down a balance	Low interest
Secured cards Home Trust · Neo	SecuredTyperequiredDeposit	Approval with a deposit to build or rebuild credit	New-to-credit or rebuilding	SecuredBuild credit
Student cards BMO · CIBC	$0Annual feestudent-friendlyApproval	Easier approval and no-fee rewards for students	Students building their first credit history	No annual feeStudents

* La couverture de la SADC s'applique dans les institutions membres, dans les limites; les assureurs provinciaux couvrent les caisses. Confirmez la couverture et les taux actuels auprès de chaque fournisseur. Information générale, pas un conseil personnalisé.