Best U.S Dollar Credit Cards in Canada for 2024

The RBC Visa Signature Black is a good card for people who regularly purchase in USD and who shop across the border. It transacts using U.S. dollar so you can avoid daily fluctuations. Because this is also an American credit card and not just a USD currency card, it does not charge the typical 2.5% foreign transaction fee on purchases in the US.

• No U.S. credit score or address required – the company will use your Canadian credit history and any RBC relationship to qualify you for your card.
• Flexible redemption – This credit card lets you earn 1 RBC Rewards point for every $1 spent. Points earned can be redeemed for cash back, travel, gift cards, merchandise, and more.
• Various benefits – This credit card protects what’s valuable to you with trip cancellation or interruption insurance, travel accident insurance, auto rental collision damage waiver, cell phone insurance, and purchase security.

A U.S. dollar Visa card for the frequent traveller/shopper. Avoid exchange rates while earning 1 RBC Rewards point for every $1 spent. The points are flexible, but cash back is the simplest redemption option (1 point = $0.01). This no-annual fee card also comes with a travel insurance package, auto rental collision damage waiver, mobile phone insurance, and purchase security. Right now there’s a 0% introductory APR offer for the first 6 months.

BMO® U.S. Dollar Mastercard®* will help to eliminate need for currency conversion when you pay in USD. U.S. dollar credit cards are good for those who :

• Regularly make purchases in the U.S. (either online or in person

• Who regularly travel to the U.S

• Who live in the U.S for few month each year(Snowbirds)

The BMO® U.S. Dollar Mastercard®* is a totally unique travel card aimed to enable Canadians who frequently travel in the US to enjoy amazing discounts. For just $35 a year, you can use this card to shop in US dollars and avoid any unpleasant exchange rate fees. You can also use this card safely from Canada and pay in US dollars, especially if you make lots of purchases from US-based sites.

With any other card, you're paying around 3% more in exchange fees from $CAD to $US. This fee can top up pretty fast. For example, for purchases worth $5,000, you'll pay an extra fee of over $150. That's where the BMO U.S. Dollar Mastercard comes in, enabling you to completely eliminate the need for paying exchange fees.

This card makes the most sense for Canadians who earn their salaries in US dollars, purchase on a regular basis from US-based sites, or travel a lot down South. As long as you spend over $1,000, the $35 annual fee will be waived, so you can enjoy even higher savings.

Canadians who either travel a lot in the US or shop from US-based sites could definitely enjoy the perks offered by the CIBC U.S. Dollar Aventura® Gold Visa* Card. This CIBC card allows you to skip the currency conversion fee and pay with US dollars anywhere.

Whether you want to travel to the US for pleasure, you're constantly flying over for business-related reasons, or you want to pay in US dollars when shopping from the States, this card is just excellent for you. At an annual fee of $35, the benefits are real.

As a bonus, you can get up to 5,000 Aventura points, plus earn one point for every $2 spent. You can use your points when travelling and get 20% off. For example, with 10,000 points, you can travel from Montreal to New York and back at the Economy class.

If you have another Aventura card in Canadian dollars, you can easily switch points between the two cards. Of course, you can also use this card to pay off debt and to purchase items at very affordable prices.