Reward Credit Cards
The following credit cards offer rewards for using them. Everything from travel rewards to cash back and points. You can apply for these credit cards online by following the Apply Now link. All of these cards are available in Canada.
Detailed view | Quick comparison table
Sort results by: Name | Annual Fee | Purchases | Cash Advances | Balance Transfers
American Express® AIR MILES® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances19.99% |
Balance Transfers19.99% |
- Earn 150 Bonus AIR MILES® reward miles the first time you use your Card, when you apply online by December 31, 2009
- Earn 1 reward mile for every $20 charged to your card
More information about the American Express® AIR MILES®
American Express® AIR MILES® Gold Business Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchasesn/a1 |
Cash Advancesn/a2 |
Balance Transfersn/a3 |
- Now small business owners can carry a balance and turn business purchases into AIR MILES® reward miles. Get the purchasing power and customer support of American Express, all with no annual fee
- Earn 1 AIR MILES® reward mile for every $20 in purchases
- Receive 100 Bonus reward miles: As a special thank you, receive 100 Bonus reward miles when you use your Gold Business Card for the first time
Notes:
- 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
- 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
- 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
More information about the American Express® AIR MILES® Gold Business Card
American Express® Blue Sky™ 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances19.99% |
Balance Transfers19.99% |
- Earn 1.25 Blue Sky points for every dollar in card purchases
- Earn 12,000 Bonus Points if you spend $3,000 in purchases in your first 6 months of Cardmembership
- Redeem Blue Sky points with no blackout dates, expiration dates or other travel restrictions
More information about the American Express® Blue Sky™
American Express® Holt Renfrew Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchasesn/a1 |
Cash Advancesn/a2 |
Balance Transfersn/a3 |
- Earn 1 Holt Renfrew Rewards point for virtually every $1 you charge to the card, and earn more points when you make purchases on the card at Holt Renfrew.
- Redeem your points for Holt Renfrew gift cards; use the Gift Card on designer clothes, gifts and more in store. Best of all, there's no annual fee.
Notes:
- 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
- 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
- 19.99%, 21.99%, or 25.99%, depending on your Account Payment Record in the Review Period.
More information about the American Express® Holt Renfrew Card
Best Buy® Reward Zone Visa® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advancesn/a1 |
Balance Transfersn/a2 |
- Earn 1 point for nearly every $1 spent at the millions of other locations Visa is accepted
- Earn 2 points for nearly every $1 spent at any Best Buy Canada store or on BestBuy.ca
Notes:
More information about the Best Buy® Reward Zone Visa®
BMO AIR MILES MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advancesn/a2 |
Balance Transfersn/a3 |
- 1 AIR MILES reward mile for every $20 in card purchases
- 1.5x reward miles at Shell, National Car Rental & Alamo Rent A Car
- Exclusive 25% discount on all AIR MILES flights worldwide
- Get an affinity card that supports your cause
Notes:
- Low 11.9% interest rate available for an additional $35 per year.
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
More information about the BMO AIR MILES MasterCard
BMO AIR MILES MasterCard for Business 
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Interest on: |
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|---|---|---|---|
Annual Fee$01 |
Purchases19.50%2 |
Cash Advances19.50%3 |
Balance Transfersn/a4 |
- 3 AIR MILES reward levels to choose from
- Gold - earn 1 reward mile for every $15 spent ($105 annual fee for owner card)
- Silver - earn 1 reward mile for every $20 spent ($60 annual fee for owner card)
- Bronze - earn 1 reward mile for every $40 spent (No annual fee for owner card)
- Available in Canadian or U.S. Dollar currency
Notes:
- per year for Bronze, $60 per year for Silver, $105 per year for Gold.
- Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
- Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
- Interest rate not mentioned on website.
More information about the BMO AIR MILES MasterCard for Business
BMO SPC Mosaik MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advances19.50% |
Balance Transfers19.50% |
- Customize your credit card to suit your lifestyle as a student
- Enjoy exclusive discounts at thousands of SPC Card retailers nationwide for NO ADDED FEE
- One time SPC Card registration – no need to renew
- Earn added Rewards with AIR MILES® reward miles or CashBack®
Notes:
More information about the BMO SPC Mosaik MasterCard®
Canadian Tire Gas Advantage MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advances19.50%2 |
Balance Transfers19.50%3 |
- Save up to 10¢ per litre at Canadian Tire Gas Bars
- Use the Gas Advantage MasterCard for your everyday purchases and you'll save instantly right at the pump
- Enjoy Cardmember Exclusive savings at Canadian Tire
Notes:
More information about the Canadian Tire Gas Advantage MasterCard®
Canadian Tire Options MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.50%1 |
Cash Advances19.50%2 |
Balance Transfers19.50%3 |
- Earn Canadian Tire 'Money' rewards everywhere you shop
- Redeem your Canadian Tire ‘Money’ On The Card® awards at any Canadian Tire store
- Enjoy Cardmember exclusive offers
Notes:
More information about the Canadian Tire Options MasterCard®
Capital One® SmartLine™ Platinum MasterCard 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases5.99% |
Cash Advances19.80% |
Balance Transfers5.99% |
- Low, long-term interest rate of 5.99% as long as you pay your bills on time! Plus, this low rate is guaranteed for three years – all for no annual fee. On December 2012, after your three years are up, your annual interest rate becomes a variable rate of Prime +2.99%
- Add Reward Miles or 1% Cash Back for a $99 annual fee
More information about the Capital One® SmartLine™ Platinum MasterCard
Capital One® Curling Platinum™ MasterCard® with No Hassle Rewards™ 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.55% |
Cash Advancesn/a1 |
Balance Transfersn/a2 |
- Redeem reward miles to be an honorary scorer, attend a private curling clinic with a world class pro, get curling gear and merchandise, or tickets to a Grand Slam of Curling or a CCA Season of Champions event
- Earn 1 reward mile per $1 spent on purchases
- Earn 5,000 bonus reward miles on your first purchase
Notes:
More information about the Capital One® Curling Platinum™ MasterCard® with No Hassle Rewards™
Capital One® Miles Platinum MasterCard® with No Hassle Rewards™ 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.80% |
Cash Advancesn/a1 |
Balance Transfersn/a2 |
- Get 1 reward mile for every $1 spent on purchases.
- Receive 5,000 bonus reward miles on your first purchase.
- Reward miles never expire
- No Annual Fee
Notes:
More information about the Capital One® Miles Platinum MasterCard® with No Hassle Rewards™
Citi™ Petro-Canada™ Personal Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases28.80% |
Cash Advancesn/a1 |
Balance Transfersn/a2 |
- Get 1,000 bonus PETRO-POINTS on each of your first 10 purchases
- Earn PETRO-POINTS for every dollar spent
- Defer Certigard Car Repair payments for up to 90 days
- Receive detailed monthly billing statements of all your driving expenses
Notes:
More information about the Citi™ Petro-Canada™ Personal Credit Card
Citi™ PETRO-POINTS™ MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.90% |
Cash Advancesn/a1 |
Balance Transfers4.90%2 |
- 2,000 bonus PETRO-POINTS on your first purchase
- Save 2¢ on every litre of fuel at Petro-Canada
- Earn PETRO-POINTS for every $1 spent on all purchases, at participating retailers
- Citi Price Protection, Purchase Assurance, Extended Warranty Assurance
Notes:
More information about the Citi™ PETRO-POINTS™ MasterCard®
Citi™ STAPLES® easyRewards™ MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.90% |
Cash Advancesn/a1 |
Balance Transfers4.90%2 |
- Earn up to 2% back in free STAPLES merchandise everywhere you shop
- 1 easyReward = $1 in free STAPLES merchandise
- Citi Price Protection, Purchase Assurance, Extended Warranty Assurance
Notes:
More information about the Citi™ STAPLES® easyRewards™ MasterCard®
Club Sobeys MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advancesn/a1 |
Balance Transfers2.90%2 |
- Earn 1 Club Sobeys point for every whole $1 you spend on the card
- Earn 2 points for every whole $1 you spend when you pay using your Club Sobeys MasterCard and present your Club Sobeys card at participating Sobeys stores
- Enjoy a $10 thank you when you make your first Club Sobeys MasterCard purchase
- Citi Price Protection
- The PayPass™ feature allows you to just Tap & Go™ for all in-store purchases under $50.00
Notes:
More information about the Club Sobeys MasterCard®
Desjardins VISA® - Elegance GOLD 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.90%1 |
Cash Advancesn/a2 |
Balance Transfersn/a3 |
- Earn up to 1% of your purchases in BONUSDOLLARS
- Rewards program allows you to accumulate BONUSDOLLARS and exchange them against travel, gifts, tickets to shows and Desjardins products and services
- Insurance in case of loss, theft, damage or fire for most goods purchased with your card
- Accord D Desjardins financing, a second, separate credit limit
- Cash advances up to $5,000 a day, anywhere in the world
Notes:
- Low annual interest rate option of 12.8% for $30 per year.
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
More information about the Desjardins VISA® - Elegance GOLD
HSBC MasterCard® 
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Interest on: |
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|---|---|---|---|
Annual Fee$01 |
Purchases19.90% |
Cash Advances19.90% |
Balance Transfersn/a2 |
- Choice of HSBC Cash Back Rewards or HSBC Travel & Merchandise Rewards Program
- Low Interest Rate Option available (not available in the province of Quebec)
- Extended Warranty Insurance - doubles manufacturer’s warranty up to one additional year
Notes:
More information about the HSBC MasterCard®
Laurentian Bank Student VISA® Black Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.92%1 |
Cash Advancesn/a2 |
Balance Transfersn/a3 |
- Reward Me Rewards Program: $1 purchase = 1 point
- Protect your possessions with purchase insurance and extended guarantees, and double the manufacturer's guarantee for up to one year
- Safely shop online thanks to Verified by VISA
- When you spend over $200 net on purchases during your billing cycle, Laurentian Bank will offer to reimburse your monthly fees
Notes:
- Calculated from fee of $1.66 per month.
- Interest rate not mentioned on website.
- Interest rate not mentioned on website.
More information about the Laurentian Bank Student VISA® Black Card
MBNA Anne Geddes MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases17.99% |
Cash Advances19.99% |
Balance Transfers19.99% |
- Earn Anne Geddes Points redeemable for fabulous Anne Geddes products including books, baby clothing, plush toys, watches and more
- Earn 2,000 Anne Geddes Points upon activation
- Earn 1 Anne Geddes Point for every $1.00 (CDN) in net retail spend
- No Annual Fee
- Credit lines up to $100,000
More information about the MBNA Anne Geddes MasterCard® Credit Card
MBNA Best Western MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances19.99% |
Balance Transfers19.99% |
- Earn 1.5 Best Western Rewards points for every $1 in net retail purchases
- Receive 5,000 bonus Best Western Rewards points after your first qualifying purchase
More information about the MBNA Best Western MasterCard® Credit Card
MBNA CAA Quebec MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases14.99% |
Cash Advances3.99%1 |
Balance Transfers3.99%2 |
- On top of the 2¢ per litre of gas earned in CAA-Quebec Dollars when you show your CAA-Quebec membership card at the counter when filling up on gas at participating Couche-Tard outlets, you receive an additional 2% rebate by paying with your CAA-Quebec MasterCard credit card on all your qualifying purchases - including gas - at participating Couche-Tard outlets that sell gas
- This 2% is added to the 0.5% rebate you earn each time you use your CAA-Quebec MasterCard credit card
- Please note you must be a member of the Quebec CAA to apply for this card
Notes:
- Introductory rate for 6 months. Rate is 16.99% thereafter.
- Introductory rate for 6 months. Rate is 16.99% thereafter.
More information about the MBNA CAA Quebec MasterCard® Credit Card
MBNA Harley–Davidson® MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases17.99% |
Cash Advances19.99% |
Balance Transfers19.99% |
- Earn Harley-Davidson® Genuine Rewards that are redeemable for Harley Chrome® Cash at any authorized participating Harley-Davidson® reatiler nationwide
- No Annual Fee
- Credit lines up to $100,000
More information about the MBNA Harley–Davidson® MasterCard® Credit Card
MBNA Pharmaprix MasterCard® Credit Card 
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Interest on: |
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|---|---|---|---|
Annual Fee$0 |
Purchases19.99% |
Cash Advances1.99%1 |
Balance Transfers1.99%2 |
- Earn 25 points for every $1 in purchases at Pharmaprix using your Pharmaprix Optimum MasterCard® when you show your Pharmaprix Optimum Card®
- 1.99% Introductory Annual Interest Rate on Cheque Cash Advances and Balance Transfers for 6 months
Notes:
- Introductory rate for 6 months. Rate is 19.99% thereafter.
- Introductory rate for 6 months. Rate is 19.99% thereafter.
More information about the MBNA Pharmaprix MasterCard® Credit Card
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