My Rate Compass

Best VISA Credit Cards in Canada for 2020

 
Welcome Bonus
Annual Fee: $0
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?
  • No annual fee 
  • No U.S. credit score or address required
  • Flexible redemption 
  • Various benefits 
Full Review
Why we like it

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 annual fee – This is a good deal for a card that helps you avoid fluctuating exchange rates and a foreign transaction fee.
  • 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.
Credit Card snapshot

Earn Rewards with Every Purchase You Make. Redeem for Cash Back, Travel, Gift Cards and More.

Make your transaction in U.S. dollar and avoid daily currency fluctuations

Earn 1 RBC Rewards point for every $1 spent on your card

Redeem your RBC Rewards points for cash back( 1%)

No annual fee

Welcome Bonus
Annual Fee: $120
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?

 

  • Generous sign-up bonus
  • Rich travel rewards
  • Flexible travel options
  • Full range of travel insurance benefits
Full Review
Why we like it

 

The product of TD's partnership with Expedia, the TD First Class Travel Visa Infinite Card is a match made in heaven for travelers. It comes with a host of travel benefits including a flexible points program, generous sign-up bonus and impressive travel insurance coverage.

 

  • Generous sign-up bonus - For a limited time, new applicants can receive up to 20,000 TD bonus points ($100 value when redeemed for travel).
  • Rich travel rewards- Book your flights or any form of travel on ExpediaforTD.com and get back an equivalent of 4.5% for every dollar spent. This is a lot compared to the 2% reward offered by most travel credit cards in Canada. Plus, ExpediaforTD offers the same access to flights and hotels offered by Expedia.com, giving you a lot of options for flights and hotel packages at your fingertips.
  • Flexible travel options - You can redeem your points for almost everything travel-related such as flights on any airline, hotel stays, car rentals and vacation packages. Points can also be used to cover the cost of taxes and fees as well as be used to redeem merchandise and gift cards from TD's e-store.
  • Full range of travel insurance benefits - Get fully covered and protected with a comprehensive travel insurance that includes $1,000,000 in travel medical coverage and rental car insurance.
Credit Card snapshot

TD First Class Travel Visa Infinite Card Review

Redeem TD Points for travel and travel-related purchases

Also redeem TD Points for retail merchandise and gift cards, or for a cash credit to your Account

No travel blackouts, no seat restrictions and no expiry for your TD Points

An extensive suite of travel insurance

Earn 3 TD Points

for every $1 you spend on Purchases made using your Card

Earn 9 TD Points

when you book travel online through Expedia For TD

Your TD Points don't expire

as long as you are a TD First Class Travel Visa Infinite Cardholder

Welcome Bonus
Annual Fee: $35
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?

 

  • Low annual fee
  • Pay in U.S. dollars
  • Faster online checkout
  • Purchase protection
Apply Now Full Review
Why we like it

Pay fewer fees when it comes to foreign transaction and purchases made across the border with a US dollar credit card. And when it comes to these specialty credit cards, the Scotiabank US Dollar VISA stands out with no U.S. dollar conversion fees on top of purchase security, extended warranty and a 25% discount at participating Avis locations.

 

  • Low annual fee – While you have to pay a small amount of annual fee, the fee is significantly lower than other credit cards and is worth it if you usually make purchases in USD.
  • Pay in U.S. dollars – Save more on offline and online purchases. Aside from saving money from fluctuating currency conversion, you don’t have to pay the 2.5% foreign transaction fee that other credit cards charge.
  • Faster online checkout – Easy checkout and online purchases with Visa Checkout. This credit card is also eligible for Apple Pay and Android Pay.
  • Purchase protection – Purchases made with the credit card are eligible for an extended warranty of 1 year and purchase protection for 90 days.
Credit Card snapshot

Great reasons to get this card for your U.S. dollar purchases

The convenience and flexibility of paying in U.S dollars

  • No U.S dollar foreign currency conversion fee
  • Free Supplementary Cards
  • Visa Checkout - Now you can checkout online easier with Visa Checkout
  • Eligible for Apple Pay & Android Pay
Welcome Bonus
Annual Fee: $120
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?
  • Lucrative welcome offer
  • Upgraded travel experience
  • Premium travel insurance
  • Mobile device protection
Full Review
Why we like it

The CIBC Aventura Visa Infinite Card is jam-packed with benefits with an alluring starting bonus, NEXUS application rebate, travel and mobile device insurance, and perks that make travelling easier and more comfortable. Plus, with the waived annual fee on the first year, there is no reason not to get this great travelers and rewards card.

  • Lucrative welcome offer -With a special offer of up to 20,000 points and $120 credit, this travel credit card will fast track your travel plans.
  • Upgraded travel experience -Free memberships to Priority Pass airport lounges and the NEXUS program will take your airport experience to the next level. This means that you can skip line ups between the US and Canada and gain access to over 1,200 international airport lounges that commonly feature topnotch perks such as showers, free Wi-Fi and more!
  • Premium travel insurance - Get covered with emergency medical insurance, trip cancellation and bag loss insurance, rental car coverage, and hotel burglary insurance.
  • Mobile device protection - This credit card reimburses you up to $1000 for a mobile device that is lost, stolen or accidentally damaged.
Credit Card snapshot
CIBC Aventura Visa Infinite Card review 

Fly on any airline, every flight, every seat with points that don't expire

Get points with every purchase and redeem them towards trips and merchandise. Multiplying your points is as easy as buying groceries, pumping gas or booking a trip.

1x

1 Aventura Point for every $1 spent using your card

1.5x

1.5 Aventura Points for every $1 spent at gas stations, grocery stores and drug stores

2x

2 Aventura Points for every $1 spent when you purchase your trip through the CIBC Rewards Centre

Welcome Bonus
Annual Fee: $120
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?
  • Value-packed sign-up bonus
  • Structured earning system
  • Travel comforts
  • Good insurance coverage
Full Review
Why we like it

The CIBC Aerogold Visa for Business is a practical way to consolidate all your business expenses while getting rewarded. The reward system is decent with 1.5 Aeroplan miles per dollar spent when you consider an annual fee that's lower than other business credit cards in Canada. Plus, with Air Canada Perks thrown in the mix, the CIBC Aerogold Business Credit Card makes travelling for business more pleasurable.

Why We Like It:

  • Value-packed sign-up bonus This credit card gives you a chance to earn around 35,000 Aeroplan miles on the 1st four statement periods. It also offers a $120 Air Canada eGift card that you can use on your travels.
  • Structured earning system Rewards are no-nonsense with 1.5 Aeroplan miles for every $1 spent on gas and travel and 1 Aeroplan mile on the rest.
  • Travel comforts Enjoy Aeroplan-related perks such as complimentary first checked bag, priority check-in and boarding and one-time Maple Leaf Lounge pass to make jet setting easier.
  • Good insurance coverage Have peace of mind knowing that you are covered with what's important such as flight and delayed baggage insurance, car rental theft and damage insurance, common carrier damage insurance, and trip cancellation and interruption insurance, to name a few.
Credit Card snapshot

CIBC Aerogold® Visa* Card for Business review



Better your business life

Manage credit flow at competitive interest rates while earning Aeroplan? Miles and prime airport experiences

Get up to 35,000 Aeroplan Miles Welcome Bonus

Use them for business trips or dream destinations!

Add cardholders to earn miles faster

Get up to 9 additional cards to consolidate business expenses

Accelerate your Aeroplan Miles

Collect miles at premium rates

1.5 miles

for every $1 spent on airlines, hotels, car rental agencies, travel agencies and gas stations

1 mile

for every $1 spent on all other purchases

Earn miles twice

at over 150 Aeroplan Partners and 100+ online retailers

Welcome Bonus
Annual Fee: $0
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?
  • Generous earnings on the first months
  • Perfect for families
  • Unlimited cash back at the 1% rate
  • Valuable insurance
  • Travel in style
Full Review
Why we like it

With the CIBC Dividend Visa Infinite Card, the cash back rewards are endless – especially if you use your credit card mostly for gas and groceries. You can earn up to 4% cash back with no limit on the amount you can earn. It’s the best credit card for gas, groceries and family spending.

 

 

  • Generous earnings on the first months – For the first 4 months, this credit card gives you a 4% cash back on all spend. It’s the perfect way to test if this card suits your lifestyle and spending habits.
  • Perfect for families – With 4% regular cash back on gas and grocery purchases, it’s the right credit card for growing families who spend a lot on these key areas.
  • Unlimited cash back at the 1% rate – Fill your pockets with rewards with no limits on the 1% cash back range. And with the cap set at $80,000 for the 4% cash back, this credit card still gives you the best return for your purchases.
  • Valuable insurance – It comes with purchase protection, emergency medical and trip interruption insurance, accident insurance, and more.
  • Travel in style – Experience luxury worldwide travel and hotel benefits when using this credit card.
Credit Card snapshot

CIBC Dividend® Visa Infinite* Card review


It's simple. Get cash back just for using your card.

4% cash back

on gas and grocery store purchases

2% cash back

on Tim Hortons and TELUS purchases

1% cash back

on all other purchases

Earn maximum rewards

No limit on the total cash back you can earn

Welcome Bonus
Annual Fee: $120
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?
  • Tempting bonus offer
  • Best travel companion
  • Convenient redemption
  • Simplified business processes
Full Review
Why we like it

With a premium rewards program that gives you the flexibility to redeem points and rewards, we consider the RBC Visa Business Platinum Avion the best business credit card in Canada. It?s great for businesses that spend more than $800 a month and want a comprehensive insurance program for overseas travel and a lucrative welcome bonus on top of the flexibility in redeeming points.

Tempting bonus offer ? You get 15,000 bonus RBC reward points simply by signing up and getting approved, plus a low introductory rate of 1.90% on the first 10 months for balance transfers and advances.
  • Best travel companion ? The perfect card for business owners who constantly travel, it provides 25% more points on travel related purchases and as the ability to transfer points to other travel rewards programs. It also comes with a comprehensive travel insurance package that covers medical, trip interruption and cancellation, and rental car collision and damage protection.
  • Convenient redemption ? Points can be used to redeem flights, vacation packages, merchandise, rentals, balance payment, gift cards for employees, and more.
  • Simplified business processes ? This credit card helps simplify employee reimbursement, accounting, and help identify tax-deductible expenses.
Credit Card snapshot

Earn RBC Rewards Points

Earn 1 RBC Rewards point for every $1 spent on every purchase made with your card. Plus, you can earn additional bonus points when you shop online with our partners.

Earn Points Faster

Combine the RBC Rewards points earned from all your employees? Business Platinum Avion cards into one account, and pool your points between your business and personal Avion cards.

Redeem for Merchandise, Gift Cards or Financial Rewards

Use your points to invest in your business, provide incentives to employees, pay back your balance or simply reward yourself.

Instant Fuel Savings at Petro-Canada

Link Your Card And Instantly Save 3c/L On Fuel And Always Earn 20% More Petro-Points And RBC Rewards Points.

Welcome Bonus
Annual Fee: $29
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?
  • Save on car rentals
  • Optional insurance coverage
  • Faster checkout
  • Free supplement card
Apply Now Full Review
Why we like it

0.99% introductory interest rate on Cash Advances for the first 6 months 

The Scotia Value Visa is aimed at individuals looking for a good balance transfer credit that offers decent privileges and a lower interest rate beyond the introductory promo period. Although it comes with a minimal fee, customers who cannot pay their balance in full can take advantage of the low post-promotional rate of 12.99%. Plus, if you regularly rent cars from Avis, then you might get the best value out of this card.

 

Why We Like It:

  • Save on car rentals -Save up to 25% when you use the Scotia Value Visa to book your rental cars with AVIS and other budget rental car locations in Canada.
  • Optional insurance coverage - For a small fee, depending on the remaining balance on your credit card, you can receive financial protection from a range of life events such as job loss, disability, critical illness, and loss of life.
  • Faster checkout -The payWave feature helps you save time by allowing you to simply wave the card or use the app on your mobile phone to pay for small purchases.
  • Free supplement card - Get an additional supplementary cardholder at no extra charge.
Credit Card snapshot

Scotiabank Value® Visa* Card review

Great reasons to get this card for your everyday purchases

Save up to hundreds of dollars a year on interest

Pay down higher interest rates balances faster

  • Stay one step ahead of your balance a lower interest rate makes this card an affordable way to finance those medium to large purchases you are making.

Transfer higher rate balances and save even more

  • Switch balances over from higher interest-rate credit cards to the?Scotiabank Value?Visa Credit Card. By consolidating your higher-rate balances, you'll save on interest and make paying bills easier.
Welcome Bonus
Annual Fee: $0
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?

 

  • Free movies
  • No annual fee
  • Generous rewards
  • Redeem as soon as you can
  • Points don't expire
Apply Now Full Review
Why we like it

 

Great for students and individuals who love going to the movies, the SCENE Visa Card gives generous points for movie ticket purchases at Cineplex Theatres and rewards you for everyday purchases on top of it. In addition, this card has no annual fee for both primary and supplementary cardholders. Try it, completely risk free, for no other reason than getting free movies.

 

Why We Like It:

  • Free movies - For starters, the generous sign-up bonus gives you around 2 to 5 free movies simply by checking out this credit card.
  • No annual fee - The zero-yearly fee means that you are free to test if this credit card is for you.
  • Generous rewards - Earn an impressive 5 points for every dollar spent at Cineplex Odeon Theatres (i.e. Famous Players, SilverCity, Scotiabank Theatres, Cinema City, Galaxy, etc.) and 1 point everywhere else.
  • Redeem as soon as you can - Redeem for music, movies and other rewards for as low as 1,000 points.
  • Points don't expire -You earn and get to keep your points for as long your account remains active.
Credit Card snapshot

SCENE®* Visa* Card review

Earn 2,500 bonus points with your first $500 in everyday purchases in first 3 months

Earn 1 SCENE point for every $1 you spend on your everyday credit card purchases

Get SCENE points faster

Earn 1 SCENE point for every $1 you spend on your everyday credit card purchases

Earn 5 SCENE points for every $1 you spend on credit card purchases at Cineplex theatres or at cineplex.com

Get FREE movies

Redeem for a FREE movie with just 1,000 points.

Save at participating restaurants

Get $10 off at participating restaurants when you redeem just 1,000 points

 

Welcome Bonus
Annual Fee: $0
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?

 

  • No annual fee
  • Increased cash back rewards with each spend
  • Faster payment
  • Car rental savings
Apply Now Full Review
Why we like it

Students who are serious in building their credit history may find the L?earn Visa Card to their liking. It has no annual fee, gives 1% cash back and has easy-approval requirements. While this student credit card has no bells and whistles in terms of rewards, the straightforward cash back structure offers enough rebates for you to save cash when you shop and delivers the advantages of a credit card minus the high-income requirement.

 

Why We Like It:

  • No annual fee ? Get started in building your credit history at no cost.
  • Increased cash back rewards with each spend ? The tiered cash back structure lets you earn more rebates with more spending. Cash is automatically applied to your next upcoming bill and there is no limit to the amount of cash back you earn.
  • Faster payment ? Perfect for on-the-go shopping, this credit card delivers Visa payWave convenience. Simply wave your card or use the app on the counter to pay for your purchase. This credit card is also compatible with Apple Pay, Android Pay, and My Mobile Wallet.
  • Car rental savings ? Similar to the Scotia Value Visa, this credit card gives 20% discount on Avis rental cars.
Credit Card snapshot

Accelerated Moneyback Reward Program

Students can now get a VISA card that was designed with students in mind. The L'earn VISA card offers a Moneyback reward program and a host of other great benefits.

  • Get up to a 1% Moneyback reward
  • $0 annual fee
  • Spend wisely, earn valuable rewards
  • Build a good credit rating
Welcome Bonus
Annual Fee: $139
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?
  • Amazing Welcome Offer
  • Bonus Earning Offers
  • Scotia Rewards Earnings
  • No Foreign Transaction Fees
  • Airport Lounge Access
Apply Now Full Review
Why we like it

 

For an annual fee of $139, card holders obtain an array of travel benefits including point travel redemption, travel insurance and airport lounge access. Scotiabank boasts about this credit card because it is the only major bank in Canada that offers a credit card with no foreign transaction fees and airport lounge access.

 

  • Amazing Welcome Offer. When you spend $1,000 on the credit card within the first three months of ownership, you’ll earn 40,000 bonus points (worth about $400).
  • Bonus Earning Offers. If you spend $40,000 in a year with this credit card, you’ll earn an additional 10,000 points (worth about $100).
  • Scotia Rewards Earnings. Earn 2 Scotia points for every dollar you spend on groceries, dining, entertainment and daily transit. Earn 1 Scotia point for every dollar spent on other purchases.
  • No Foreign Transaction Fees. While the exchange rate of your foreign purchases will still apply, you’ll save money on foreign transaction fees which would typically be 2.5%.
  • Airport Lounge Access. A complimentary Priority Pass membership is provided with this credit card along with six free lounge visits per year.
Credit Card snapshot
Welcome bonus: Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel )‡

• Earn 2x Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)
• Enjoy no FX Mark-up
• Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
• Rates, fees and other information are effective as of March 2, 2020. Subject to change..
Welcome Bonus
Annual Fee: $49
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?
  • Low balance transfer rate
  • Invest back into your business
  • Organize financial statements
  • Protect what matters
  • Low annual fee
Full Review
Why we like it

The Scotiabank Momentum Business Visa helps business owners organize and track expenses with ease while rewarding them for everyday purchases. With up to 3% cash back and an introductory low balance transfer rate, this business credit card is ideal for startups with pre-existing debt and business owners looking to expand.

Why We Like It:

  • Low balance transfer rate For a limited time, new card holders get 2.99% interest rate on balance transfers for the first 6 months. This may be an enough time for businesses with pre-existing debt to clear out their balance.
  • Invest back into your business Earn 3% cash back on common spending including gas, office supplies, restaurants, and recurring bills.
  • Organize financial statements Easy tracking of business expenses with all spending consolidated in one monthly statement.
  • Protect what matters This credit card for business includes four types of travel and purchase insurance which are enough to protect your business as it grows.
  • Low annual fee The annual fee of $49 is lower compared to most business cash back credit cards in Canada.
Credit Card snapshot

Scotiabank Momentum® for business Visa* Card review



Great Reasons To Get This Card For Your Everyday Business Purchases

3%

Gas Stations

3%

Restaurants

3%

Office Supplies

3%

Recurring Bill Payments

Plus, Earn cash back On All Other Eligible Business Purchases

Welcome Bonus
Annual Fee: $79
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?
  • Specialized vehicle rewards program
  • No cash back limits and expiration dates
  • Purchase security and extended warranty
  • Attractive sign-up bonus
Full Review
Why we like it

With a car being an essential albeit expensive purchase for a growing business, the Scotiabank GM Business Visa comes in handy for the entrepreneur seeking to buy or lease a GM car in the near future. At the same time, it offers practical benefits for the pragmatic businessman, including rental car discounts and a decent shopper protection program for a small annual fee that you can waive on the 1st year.

Why We Like It:

  • Specialized vehicle rewards program Business purchases qualify for 5% GM cash back that you can use to purchase a new Chevrolet, Buick, GMC, or Cadillac. With $1 in GM cash back equal to $1 toward your next car purchase, getting a car is easier especially when combined with your own savings. This co-branded business credit card also gives access to GM Business Choice program to help prepare your new vehicle for work.
  • No cash back limits and expiration dates Enjoy your points and rewards as long as you keep the card. The 5% GM earnings is applicable on the 1st $10,000 spent annually, then it becomes 2% after.
  • Purchase security and extended warranty For a business credit card with low annual fee, the Scotiabank GM business Visa offers automatic insurance for eligible purchases worldwide against theft, loss or damage for 90 days.
  • Attractive sign-up bonus Balance transfers get a 2.99% introductory interest rate for the 1st six months. You also get to waive your annual fee on the first year , giving you more reason to check if this is the best business credit card for your needs.
Credit Card snapshot

Great reasons to get this card for your everyday business purchases

  • Earn 5% in GM Earnings on the first $10,000 spent annually,and 2% on all other everyday business purchases

  • $1in GM Earnings =$1towards your purchase or lease of a new Chevrolet, Buick, GMC, or Cadillac

  • Earnings do not expire as along as you are a cardholder

  • No earning or redemption caps

Welcome Bonus
Annual Fee: $120
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?
  • Welcome bonus
  • No-nonsense rewards
  • Enhanced insurance package
Apply Now Full Review
Why we like it

For people who love to eat and drive, the Scotia Momentum VISA Infinite Card is the best rewards credit card with a fee. It provides an unrivaled 4% cash back on food and gas along with 2% on recurring payments and drugstore purchases, and 1% on the rest. On top of that, this card also comes with comprehensive insurance benefits and concierge benefits.

  • Welcome bonus  The whooping 10% cashback bonus on the first three months is a very delicious offer to refuse.
  • No-nonsense rewards Rewards are clear, transparent, easy to earn and easy to redeem. Cash back rewards are paid out annually either as a deposit to eligible chequing or savings account or credited to your credit card statement.
  • Enhanced insurance package The improved insurance package is comparable with other more premium cards. It provides comprehensive coverage on travel, including rental car collision loss or damage as well as purchase security and extended warranty protection.
  • Additional Perks. Obtain exclusive offers from Scotiabank including concierge service, competitive hotel rates and upgrades, and access to dining and wine country programs.
  • Annual Fee. Gain access to all of the above perks at the cost of $120 per year.
Credit Card snapshot

Great reasons to get this card for your everyday purchases

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350*.

• 4% on eligible recurring bill payments and grocery store purchases

• 2% on eligible gas station and daily transit purchases

• 1% cash back on all other eligible everyday purchases

• Complimentary Concierge Services 24/7
• Visa Infinite Dining Series
• Visa Infinite Music Series
• Wine Country Wonders
• Luxury Hotel Privileges
• Comprehensive Travel Insurance & New Mobile Device Insurance coverage

Welcome Bonus
Annual Fee: $0
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Poor or No Credit
Why we like it?
  • Easy application
  • No annual fee
  • Flexible credit limit
  • Low minimum payments
  • Monthly reporting
Apply Now Full Review
Why we like it

The Home Trust Secured Visa is designed for individuals who need to rebuild or reestablish their credit. It offers easy approval for anyone and gives you a flexible credit limit, ranging from $500 to $10,000, depending on your security deposit. Of course, it also comes with other benefits such as a 21-day no-interest grace period and no annual fee.

Why We Like It:

  • Easy application – Start rebuilding your credit score immediately. Almost everyone is approved for this secured credit card.
  • No annual fee – You pay absolutely nothing to get and use this credit card.
  • Flexible credit limit – From a minimum deposit of $500, you can get a credit limit scaling at 1:1 all the way up to $10,000. The security deposit will also be reimbursed in full (minus the outstanding balance) should the credit card be cancelled in the future.
  • Low minimum payments – If you want to pay the minimum, you can pay whichever is higher: $10 or 3% of the monthly balance.
  • Monthly reporting – Home Trust reports your progress to major credit agencies each month – jumpstarting your credit repair.
Credit Card snapshot

No Fee Home Trust Secured Visa Card Review

The best way to get the credit you deserve.The application process is very simple and almost everybody is approved!

Build or re-build your credit, even if you’ve had credit difficulties in the past,
or have never had a credit card before! An excellent opportunity to establish your credit rating.


Get all the benefits of Visa* while re-building your credit:

  • Make purchases over the phone or online
  • Plan and book a vacation
  • Access cash anytime, anywhere from over 1 million ATMs around the world displaying the Visa or Plus logo
  • Shop at over 24 million locations worldwide

The Home Trust Secured Visa Card is a credit card that requires a security
deposit for eligibility. Your credit limit is then set at the amount of the
deposit. You can put down as little as $500, or as much as $10,000

The Home Trust Secured Visa Card is not available to residents of Quebec.
Welcome Bonus
Annual Fee: $59
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Poor or No Credit
Why we like it?
  • Easy application
  • No annual fee
  • Flexible credit limit
  • Low minimum payments
  • Monthly reporting
Apply Now Full Review
Why we like it

The Home Trust Secured Visa is designed for individuals who need to rebuild or reestablish their credit. It offers easy approval for anyone and gives you a flexible credit limit, ranging from $500 to $10,000, depending on your security deposit. Of course, it also comes with other benefits such as a 21-day no-interest grace period and no annual fee.

Why We Like It:

  • Easy application – Start rebuilding your credit score immediately. Almost everyone is approved for this secured credit card.
  • No annual fee – You pay absolutely nothing to get and use this credit card.
  • Flexible credit limit – From a minimum deposit of $500, you can get a credit limit scaling at 1:1 all the way up to $10,000. The security deposit will also be reimbursed in full (minus the outstanding balance) should the credit card be cancelled in the future.
  • Low minimum payments – If you want to pay the minimum, you can pay whichever is higher: $10 or 3% of the monthly balance.
  • Monthly reporting – Home Trust reports your progress to major credit agencies each month – jumpstarting your credit repair.
Credit Card snapshot

Home Trust Secured Visa Card Review

The best way to get the credit you deserve.The application process is very simple and almost everybody is approved!

Build or re-build your credit, even if you’ve had credit difficulties in the past,
or have never had a credit card before! An excellent opportunity to establish your credit rating.

Virtually everyone is approved.

Get all the benefits of Visa* while re-building your credit:

  • Make purchases over the phone or online
  • Plan and book a vacation
  • Access cash anytime, anywhere from over 1 million ATMs around the world displaying the Visa or Plus logo
  • Shop at over 24 million locations worldwide

The Home Trust Secured Visa Card is not available to residents of Quebec.
Welcome Bonus
Annual Fee: $12.95
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Poor or No Credit
Why we like it?
  • Great credit card to establish and rebuild your credit
  • Low security deposit
  • Interest free grace period
  • Lower interest rate
  • Free education to boost your financial skills
Apply Now Full Review
Why we like it

Refresh Financial offers consumers the simplest way to establish and rebuild their credit with their Secured Visa card. This card is a great fit for consumers with little or no credit, poor credit scores or bankruptcy history because there are no credit checks and minimum income requirements. All you need is a security deposit and you?re approved.

  • Great credit card to establish and re-build your credit
  • Lower Interest Rate ? The competitive rates will ensure you keep your payments manageable.
  • Free education to boost your financial education ? The Refresh (f.i.t.) Financial Intelligence Training helps you increase your financial savvy so that you can be a better money manager.
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Refresh Financial's Secured Visa Card helps you establish and rebuild your credit and improve your credit score.

Anyone with little or no credit, bankruptcy and consumer proposals can apply.

All you need is a security deposit to get approved. As you use your card and make monthly payments on time, they are reported to the credit bureaus and this builds your credit score.

Welcome Bonus
Annual Fee: $0
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?
  • No annual fee
  • No foreign exchange fees
  • 1% Cash back rewards on eligible purchases
  • Free roadside assist membership
  • Sufficient protection
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Why we like it

With no foreign transaction fee and no annual fee in one credit card, what’s not to like about the Home Trust Preferred Visa? And because this is a no fee credit card, all benefits come free, including free roadside assistance in Canada.

Why We Like It:

  • No annual fee – You can try it for free.
  • No foreign exchange fees – 0% foreign currency conversion charge when shopping abroad. It’s perfect for online and cross-border purchases – saving you 2.5% of the total cost.

  • 1% Cash back rewards – Regardless of the category, this credit card gives 1% cash back on all eligible purchases. The total cash back balance is credited to your account at the start of each year.
  • Free roadside assist membership – 24/7 Free roadside assistance includes free 5-litre gas delivery, emergency towing services up to 5 km away, key lock-out, tire service, and battery boosting.
  • Sufficient protection – Insurance covers auto rental collision and loss as well as purchase security protection.
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Home Trust Preferred Visa Card Review

The Preferred Visa from Home Trust is a great credit card that doesn't charge a foreign transaction fee, this card helps cardholders to save 2.5% each time they make a purchase in any foreign currencies either online or in store.

The Home Trust Preferred Visa is a great cash back card that allows cardholders to earn 1% cash back1 on all eligible purchases


  • No annual fee
  • 1% CashBack on all eligible purchases
  • Roadside Assist membership at no extra charge
  • No foreign currency conversion surcharges2

1 CashBack Rewards are issued on all purchases made in Canadian dollars. Cash advances, balance transfers, interest, fees and foreign transactions (including online purchases in foreign currencies) are not eligible for CashBack Rewards.

This credit card product is not available in Quebec
Welcome Bonus
Annual Fee: $39
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?
  • Freedom to shop across the border
  • Enough protection
  • Convenient payment
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Why we like it

Always going to the US for vacation? Then it pays to have the TD US Dollar Visa Card in your wallet. It lets you pay in USD directly, eliminating foreign exchange fees and giving you better exchange rates than if you use other Canadian credit cards. This US dollar credit card is perfect for the frequent cross-border shopper or business people who are heading south often.

 

  • Freedom to shop across the border – Because you won’t be charged a foreign exchange fee (usually 2.5% from regular credit cards), you can shop, eat at foreign restaurant or book a hotel with peace of mind and more savings on your pocket. It also takes the guesswork out of fluctuating currency exchange rates.
  • Enough protection – While other US credit cards offer minimal protection, the TD US Dollar Visa Card provides sufficient trip interruption coverage, delayed and lost baggage insurance, collision or loss damage coverage for rental cars, and purchase security and extended warranty protection.
  • Convenient payment – This credit card offers chip and payWave convenience. It is also compatible with Apple Pay.
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  • Make purchases in U.S. Dollars without credit card foreign currency conversion fees
  • Eliminate credit card foreign currency conversion rates and fees when making purchases or paying for bills in U.S. Dollars
  • Enjoy Chip & PIN security and Visa payWave contactless payment convenience
  • Travel and shop with a suite of insurance coverages
  • Enjoy all the benefits of your TD U.S. Dollar Visa Card using Apple Pay. It's the easy and secure way to pay.
Welcome Bonus
Annual Fee: $120
Purchases Interest Rate: Not Available
Purchases Interest Rate: Not Available
Recommended Credit Score
Average to Excellent
Why we like it?
  • Lucrative welcome bonus
  • Generous cash back on gas, groceries and recurring bills
  • Redeem your rewards any time
  • Peace of mind when travelling
  • Assistance on the road
Full Review
Why we like it

The TD Aeroplan Visa Infinite Card is a versatile credit card that allows you to earn Aeroplan miles, get a comprehensive travel insurance package, and earn rewards at a decent rate. With TD being the official partner of Aeroplan, we consider this the best Aeroplan credit card in Canada. It targets members and gives double miles when used together with the Aeroplan membership card.

  • Lucrative welcome bonus – For a limited time, new cardholders will get 6% cash back on eligible purchases for up to a total spend of $3,500. That’s equivalent to $210 worth in cash back!
  • Generous cash back on gas, groceries and recurring bills – Only few Canadian credit cards provide cash back on automated billing payments – making this one of the best reasons to get the TD Cash Back Visa Infinite Card.
  • Redeem your rewards any time – Instead of waiting at the end of the year to redeem your cash back, you can use your cashback dollars to pay your credit card balance whenever you like (minimum $25 per redemption).
  • Peace of mind when travelling – With a medical coverage that includes standard protection and up to $2 million coverage during the first 10 days of a trip, this card lets you travel in peace. In addition, it also offers access to emergency travel assistance as well as delayed and lost baggage insurance.
  • Assistance on the road – This credit card gives you complimentary membership to the company’s TD Auto Club and makes you eligible for free emergency roadside assistance anytime.
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TD Aeroplan Visa Infinite Card review

  • Earn Aeroplan Miles with every Purchase made on your Card and arrive at your dream destination sooner
  • Enjoy Air Canada benefits while travelling
  • Take advantage of an extensive suite of travel insurance

Earn 1.5 miles

for every $1 spent on eligible grocery, gas and drugstore Purchases and aircanada.com Purchases

Earn 1 mile

for every $1 spent on all other Purchases made with your Card

Earn miles twice

when you pay with your Card and present your Aeroplan Membership Card at participating retailers and the Aeroplan eStore

Your Aeroplan Miles don't expire as long as you're a TD Aeroplan Credit Cardholder