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.

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American Express Business Gold Rewards Apply Now

American Express Business Gold Rewards

Interest on:

Annual Fee

$01

Purchases

30.00%2

Cash Advances

0.00%

Balance Transfers

0.00%

  • Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership. That’s enough to redeem for a $300 TripFlex™ rewards statement credit to use towards eligible travel purchases charged to your Card.
  • Earn 1 Membership Rewards point for every dollar in eligible purchases charged to the Card
  • Earn 1 extra point for every dollar in eligible purchases made with merchants you pick from a select group of American Express merchants in Canada. You can earn up to a maximum of 250,000 extra points in each calendar year
  • Redeem points for statement credits on eligible business purchases charged to your Card at certain American Express merchants in Canada. These merchants provide goods and services in business categories such as equipment, technology, advertising and everyday business expenses
  • Enjoy the freedom of being able to transfer your points, at no charge, to many frequent flyer and other loyalty programs including 1:1 to Aeroplan®* and Avios.
  • Go online to access the paperless Expense Management Reports delivered quarterly and annually, for flexible tracking and simple tax preparation
  • Maximize your cash flow with up to 55 interest free days, so that money can come in before it goes out.
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants.
  • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.

  • Conditions apply

    Notes:
    1. Pay no annual fee for the first year – a $250 value1
    2. As a charge card, the balance must always be paid in full each month. Annual interest rate applies to balances not paid in full.
    More information about the American Express Business Gold Rewards

American Express AeroplanPlus Platinum Card Apply Now

American Express AeroplanPlus Platinum Card

Interest on:

Annual Fee

$499

Purchases

30.00%

Cash Advances

0.00%

Balance Transfers

0.00%

  • Earn 40,000 Bonus Aeroplan®* Miles after you spend $3,000 in your first three months of Card membership.
  • Earn 1.25 miles for every dollar in purchases you charge to the Card, up to $25,000
  • Accelerate your earn rate to 1.5 miles for every dollar in purchases over $25,000 annually
  • Enjoy an annual Partner TicketTM when you redeem 15,000 Aeroplan Miles for a short-haul roundtrip Fixed Mileage Flight Reward®
  • Breeze through airports lines with the Air Canada Priority Check-in benefit and avoid the line-ups at security by accessing the Pearson Priority Security Lane located at the departure level of Terminal 1&3 at Toronto Pearson International Airport during peak airport operating hours
  • Let yourself be spoiled with access to the Fairmont President's Platinum Club membership when you enroll and stay any 5 nights in the same calendar year – enjoy one complimentary night, room upgrades and $100 USD in Fairmont dining certificates and more
  • Relax in over 700 lounges worldwide, including Air Canada Maple Leaf LoungeTM access in airports across Canada, in London and in Paris, and around the globe with Complimentary Priority Pass Membership
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.

Conditions apply

Desjardins VISA® - Modulo GOLD Apply Now

Desjardins VISA® - Modulo GOLD

Interest on:

Annual Fee

$50

Purchases

9.90%

Cash Advances

9.90%

Balance Transfers

9.90%

  • The country’s lowest annual fixed interest rate: 9.9%
  • 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
  • Payment holiday feature where you can skip the minimum payment twice a year
  • Accord D Desjardins financing, a second, separate credit limit
  • Cash advances up to $5,000 a day, anywhere in the world

More information about the Desjardins VISA® - Modulo GOLD

National Bank of Canada MasterCard® PREMIA Business Credit Card Apply Now

National Bank of Canada MasterCard® PREMIA Business Credit Card

Interest on:

Annual Fee

$45

Purchases

18.90%1

Cash Advances

18.90%2

Balance Transfers

18.90%3

  • Save with PREMIA partners - Enjoy savings and special offers at select partners
  • Protect your company with PREMIA's comprehensive insurance and assistance program and
  • Protection against fraudulent use by employees
  • Purchase protection - Provides coverage in case of theft or damage for a period of 90 days following the date of purchase
  • Extended warranty - Doubles the original warranty period for up to one additional year
  • Optional Rewards plan to reward your employees or yourself

Notes:
  1. Low annual interest rate option of 13.9% for $60 per year.
  2. Low annual interest rate option of 8.9% for $60 per year.
  3. Low annual interest rate option of 8.9% for $60 per year.

Walmart MasterCard® Apply Now

Walmart MasterCard®

Interest on:

Annual Fee

$0

Purchases

18.99%1

Cash Advances

18.99%2

Balance Transfers

18.99%3

  • Get $15 in bonus Walmart Rewards when you make your first two qualifying purchases
  • Earn 1% of your purchases in Walmart Rewards, virtually anywhere you shop
  • Plus earn 25% more when you shop at Walmart stores in Canada
  • 5 Walmart Rewards = $5 in redemption value at Walmart stores in Canada

Notes:
  1. Rate may increase to 23.99% depending on Account Payment Record.
  2. Rate may increase to 23.99% depending on Account Payment Record.
  3. Rate may increase to 23.99% depending on Account Payment Record.
More information about the Walmart MasterCard®

Desjardins VISA® - Odyssey GOLD Apply Now

Desjardins VISA® - Odyssey GOLD

Interest on:

Annual Fee

$1101

Purchases

19.40%2

Cash Advances

19.40%

Balance Transfers

19.40%

  • Earn up to 2% 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
  • All-inclusive travel insurance
  • Accord D Desjardins financing, a second, separate credit limit
  • Cash advances up to $5,000 a day, anywhere in the world

Notes:
  1. $90 for cardholders age 76 and over.
  2. Low 11.8% interest rate available for an additional $30 per year.
More information about the Desjardins VISA® - Odyssey GOLD

National Bank of Canada MasterCard® Allure Credit Card Apply Now

National Bank of Canada MasterCard® Allure Credit Card

Interest on:

Annual Fee

$30

Purchases

19.50%1

Cash Advances

19.50%2

Balance Transfers

19.50%3

  • Receive 1 point for every dollar spent on your card and redeem for a multitude of brand-name merchandise, gift certificates, activities, travel discounts and much more
  • Attractive Allure rebates: go online to buy gift cards redeemable at Allure partners and get 10% off when you pay with your Allure card
  • Support the Quebec Breast Cancer Foundation with each purchase
  • Enjoy exclusive savings at Allure partner locations
  • Purchase insurance - Provides coverage in case of theft or damage for a period of 90 days following the date of purchase
  • Extended warranty on purchases - Doubles the original warranty period, up to one additional year

Notes:
  1. Low annual interest rate option of 14.5% for $45 per year.
  2. Low annual interest rate option of 11.5% for $45 per year.
  3. Low annual interest rate option of 11.5% for $45 per year.

National Bank of Canada MasterCard® Escapade Credit Card Apply Now

National Bank of Canada MasterCard® Escapade Credit Card

Interest on:

Annual Fee

$20

Purchases

19.50%1

Cash Advances

19.50%2

Balance Transfers

19.50%3

  • Receive 1 point for every dollar spent on your card
  • Purchase insurance - For a period of 90 days following the purchase date
  • Extended warranty on purchases - Doubles the manufacturer's guarantee up to one additional year

Notes:
  1. Low annual interest rate option of 14.5% for $35 per year.
  2. Low annual interest rate option of 11.5% for $35 per year.
  3. Low annual interest rate option of 11.5% for $35 per year.

National Bank of Canada MasterCard® OVATION Gold Apply Now

National Bank of Canada MasterCard® OVATION Gold

Interest on:

Annual Fee

$90

Purchases

19.50%1

Cash Advances

19.50%2

Balance Transfers

19.50%3

  • For each dollar spent, you earn 1.25 points
  • Travel worry free with an extensive insurance and assistance program
  • An automatic 50% discount on all banking packages as well as the ClickStudent banking program, up to $5 per month
  • No monthly fees on the Perspective banking program (client over 60 years old)
  • Purchase insurance - Provides coverage in case of theft or damage for a period of 180 days following the date of purchase
  • Extended warranty - Triples the original warranty period, up to a maximum of two additional years

Notes:
  1. Low annual interest rate option of 14.5% for $105 per year.
  2. Low annual interest rate option of 11.5% for $105 per year.
  3. Low annual interest rate option of 11.5% for $105 per year.

National Bank of Canada MasterCard® Platinum Credit Card Apply Now

National Bank of Canada MasterCard® Platinum Credit Card

Interest on:

Annual Fee

$125

Purchases

19.50%

Cash Advances

19.50%

Balance Transfers

19.50%

  • For each dollar spent, you earn 1.5 points
  • Enjoy a comprehensive insurance and assistance program
  • Purchase insurance - Provides coverage in case of theft or damage for a period of 180 days following the date of purchase
  • Extended warranty - Triples the original warranty period, up to a maximum of two additional years

RBC® Esso VISA® Classic Card Apply Now

RBC® Esso VISA® Classic Card

Interest on:

Annual Fee

$0

Purchases

19.50%

Cash Advances

19.50%

Balance Transfers

n/a1

  • Receive 200 bonus Esso Extra points with your first purchase
  • Automatic Esso Extra Membership
  • Earn 2 or more Esso Extra points for every eligible $1 CAD you spend at participating Esso-branded retail stations
  • Earn 1 Esso Extra point for every dollar spent everywhere else
  • Esso purchases tracked separately on your RBC Royal Bank Visa monthly statement

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® Esso VISA® Classic Card

RBC® US Dollar VISA® Gold Apply Now

RBC® US Dollar VISA® Gold

Interest on:

Annual Fee

$651

Purchases

19.50%

Cash Advances

19.50%

Balance Transfers

n/a2

  • Earn 1 RBC Rewards point for every U.S. dollar in purchases you make with your card. Keep collecting points and redeem for travel rewards, merchandise items, gift certificates, and RBC Registered Rewards
  • Earn additional RBC Rewards points with the Rewards Network Restaurant Program
  • RBC Rewards start as low as 2,500 points
  • Exchange RBC Rewards points for Esso Extra points

Notes:
  1. USD
  2. Interest rate not mentioned on website.
More information about the RBC® US Dollar VISA® Gold

RBC® VISA® Business Platinum Avion® Apply Now

RBC® VISA® Business Platinum Avion®

Interest on:

Annual Fee

$120

Purchases

19.50%

Cash Advances

19.50%

Balance Transfers

n/a1

  • Earn 1 RBC Rewards point for every dollar you spend on the card
  • Earn additional RBC Rewards points with the Rewards Network Restaurant Program
  • Redeem points on any airline with no blackout periods or rewards seat capacity restrictions. Air travel rewards start as low as 15,000 points
  • Option to transfer RBC Rewards points for Esso Extra points or Asia Miles or BA Miles
  • Offers the convenience of Visa, Purchase Security and Extended Warranty Insurance, and travel assistance services

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® VISA® Business Platinum Avion®

RBC® VISA® Classic II Apply Now

RBC® VISA® Classic II

Interest on:

Annual Fee

$35

Purchases

19.50%

Cash Advances

19.50%

Balance Transfers

n/a1

  • Earn one RBC Rewards point for every dollar in purchases you make with your card. Keep collecting points and redeem for travel rewards, merchandise items, gift certificates, and RBC Registered Rewards
  • Earn additional RBC Rewards points with the Rewards Network Restaurant Program
  • RBC Rewards start as low as 2,500 points
  • Exchange RBC Rewards points for Esso Extra points

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® VISA® Classic II

RBC® VISA® Classic II Student Apply Now

RBC® VISA® Classic II Student

Interest on:

Annual Fee

$15

Purchases

19.50%

Cash Advances

19.50%

Balance Transfers

n/a1

  • Earn one RBC Rewards point for every dollar in purchases you make with your card. Keep collecting points and redeem for travel rewards, merchandise items, gift certificates, and RBC Registered Rewards
  • Earn additional RBC Rewards points with the Rewards Network Restaurant Program
  • RBC Rewards start as low as 2,500 points
  • Exchange RBC Rewards points for Esso Extra points

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® VISA® Classic II Student

RBC® VISA® Gold Preferred® Apply Now

RBC® VISA® Gold Preferred®

Interest on:

Annual Fee

$110

Purchases

19.50%

Cash Advances

19.50%

Balance Transfers

n/a1

  • 2,500 bonus RBC Rewards points upon enrolment
  • Earn 1 RBC Rewards point per $1 spent on purchases
  • Earn additional RBC Rewards points with the Rewards Network Restaurant Program
  • RBC Rewards start as low as 2,500 points
  • Exchange RBC Rewards points for Esso Extra points

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® VISA® Gold Preferred®

RBC® VISA® Platinum Avion® Apply Now

RBC® VISA® Platinum Avion®

Interest on:

Annual Fee

$120

Purchases

19.50%

Cash Advances

19.50%

Balance Transfers

n/a1

  • Earn 1 RBC Rewards point for every dollar you spend on the card
  • Earn additional RBC Reward points with the Rewards Network Restaurant Program
  • Flexible points redemption options such as: air travel on any airline, anytime - no blackout periods or seat restrictions
  • Air travel rewards start as low as 15,000 points
  • Exchange RBC Rewards points for Esso Extra points or Asia Miles or BA Miles

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® VISA® Platinum Avion®

Desjardins VISA® - Elegance GOLD Apply Now

Desjardins VISA® - Elegance GOLD

Interest on:

Annual Fee

$0

Purchases

19.90%1

Cash Advances

19.90%

Balance Transfers

19.90%

  • 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:
  1. Low annual interest rate option of 12.8% for $30 per year.
More information about the Desjardins VISA® - Elegance GOLD

HSBC Gold MasterCard® Apply Now

HSBC Gold MasterCard®

Interest on:

Annual Fee

$60

Purchases

19.90%1

Cash Advances

19.90%

Balance Transfers

n/a2

  • Choice of HSBC Cash Back Rewards or HSBC Travel & Merchandise Rewards Program
  • Insurance & Assistance Features: Purchase Assurance® and Extended Warranty Insurance, Car Rental Insurance, Trip Insurance and Assistance, Legal Assistance, Roadside Assistance

Notes:
  1. Low annual interest rate option of 12.9% for $85 per year (not applicable in Quebec).
  2. Interest rate not mentioned on website.
More information about the HSBC Gold MasterCard®

HSBC MasterCard® Apply Now

HSBC MasterCard®

Interest on:

Annual Fee

$0

Purchases

19.90%1

Cash Advances

19.90%

Balance Transfers

n/a2

  • Choice of HSBC Cash Back Rewards or HSBC Travel & Merchandise Rewards Program
  • Extended Warranty Insurance - doubles manufacturer’s warranty up to one additional year

Notes:
  1. Low annual interest rate option of 12.9% for $25 per year (not applicable in Quebec).
  2. Interest rate not mentioned on website.
More information about the HSBC MasterCard®

Tangerine Money-Back Credit Card Apply Now

Tangerine Money-Back Credit Card

Interest on:

Annual Fee

$0

Purchases

19.95%

Cash Advances

19.95%

Balance Transfers

3.00%1

Earn 2% Money-Back Rewards on purchases in up to three 2% Money-Back Categories of your choice, and 0.5% Money-Back Rewards on all other purchases.

  • No annual fee
  • No limit on the amount of Money-Back Rewards you can earn
  • 2.5% Foreign Conversion Fee
  • Three 2% Money-Back Categories if you choose to have your Rewards deposited into your Tangerine Savings Account, or two 2% Money-Back Categories if your Rewards are deposited back onto your Credit Card

Notes:
  1. 3.00% of the amount transferred, or minimum of $5.00
More information about the Tangerine Money-Back Credit Card

President’s Choice Financial® MasterCard Apply Now

President’s Choice Financial® MasterCard

Interest on:

Annual Fee

$0

Purchases

19.97%

Cash Advances

19.97%

Balance Transfers

5.97%1

  • Earn 10 PC points for every dollar of every purchase made with your card
  • After approval, receive 4 coupons for 5,000 PC points each, which translates to $20 in free groceries
  • Get an extra 5,000 PC points when you apply online
  • Low balance transfer rate for eligible new customers

Notes:
  1. for 4 months, 19.97% thereafter.
More information about the President’s Choice Financial® MasterCard

RBC® VISA® Infinite Avion® Apply Now

RBC® VISA® Infinite Avion®

Interest on:

Annual Fee

$120

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

n/a1

  • Earn 1 RBC Rewards® point per $1 spent on purchases
  • Earn 25% more RBC Rewards points when you use your card to book and pay for travel
  • Flexible points redemption options such as: air travel on any airline, anytime - no blackout periods or seat restrictions
  • Exclusive access to the Avion Air Travel Redemption Schedule
  • Luxury travel benefits such as concierge service, hotel and dining exclusives, TabletPlus membership, and Zagat

Notes:
  1. Interest rate not mentioned on website.
More information about the RBC® VISA® Infinite Avion®

Sears Financial™ Voyage™ MasterCard® Apply Now

Sears Financial™ Voyage™ MasterCard®

Interest on:

Annual Fee

$39

Purchases

19.99%

Cash Advances

19.99%

Balance Transfers

19.99%


Enjoy the freedom of spending with no foreign currency transaction charges – usually 2.5 percent – when travelling abroad or making online purchases on international sites.

  • Get a $30 Welcome Bonus* in Sears ClubTM Points upon approval plus $25 in Sears Club Points on your first purchase.
  • Earn 3X Sears Club Points per $1 spent on Sears Travel purchases
  • 2X the points per $1 spent on Sears purchases
  • 1 point per $1 spent on all other purchases where MasterCard® is accepted.
  • Earn 1.5 points per $1 spent on everyday gas, groceries and travel merchant purchases where MasterCard® is accepted.†^
  • More information about the Sears Financial™ Voyage™ MasterCard®

    Sears MasterCard® Apply Now

    Sears MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    19.99%

    Balance Transfers

    19.99%


    Enjoy the freedom of spending with no foreign currency transaction charges - usually 2.5 percent - when travelling abroad or making online purchases on international sites.

  • Receive a $30 Welcome Bonus* in Sears Club TM Points (upon approval).
  • Earn 2 Sears ClubTM Points per $1 spent at Sears.
  • Earn 1 point per $1 everywhere MasterCard® is accepted.
  • More information about the Sears MasterCard®
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