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7 Best Family Credit Cards of February 2026 in Canada
Published Feb 13, 2026 6:43 PM
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Lead Writer
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Credit Card Expert
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Credit Card ExpertIn many cases, your credit card is supporting purchases not only for yourself, but also for your entire family. With this in mind, you’ll need a card that helps out the whole household – whether that be with groceries, gas, dining out, travelling the world, or weekends packed with entertainment. Below, you’ll find a compilation of credit cards that complement all of the above categories – plus a few budget-friendly options.
Data-driven rankings of 120+ credit cards using a proprietary algorithm
Comprehensive analysis using 25+ data points including terms and conditions, points programs, and more
Objective editorial approach - we strive for unbiased reviews following our editorial guidelines
FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
MBNA Rewards World Elite® Mastercard®: Best Overall Credit Card for Families
Scotiabank Passport® Visa Infinite* Card: Best for traveler families
Neo World Elite® Mastercard®: Best cashback for families
Tangerine® Money-Back World Mastercard®*: Best no-fee card for families
Rogers Red World Elite® Mastercard: Best for Rogers, Shaw, or Fido Customers
Simplii Financial™ Cash Back Visa* Card: Best No fee for frequent diners
American Express Cobalt® Card: Best for travel rewards
Best Family Credit Cards in Canada
Our choice for: Best Overall Credit Card for Families
APPLY NOW
on MBNA's website
Welcome Bonus
Up to 30,000 points ($245 in cash back value or $300 when redeemed for MBNA Travel)††
Annual Fee
$120
Interest Rates
21.99% / 22.99%
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
5/5
The MBNA Rewards World Elite® Mastercard® is one of the best reward credit cards in Canada, offering high rewards on frequently spent categories such as groceries and restaurant purchases. The annual birthday bonus, unique to this card, also provides a significant boost to your yearly earnings. Additionally, the card features a comprehensive list of benefits, including price protection—a rare and valuable perk not found with many other cards in Canada. These factors make this card one of the best to have in Canada.
Awards & Recognition
Best Rewards Credit Card
2026
Pros
- High grocery optimization
- High dining optimization
- Annual birthday bonus
- Solid travel insurance
- Rare price protection
- Good redemption values
Cons
- Missing key insurance categories
- Low gas optimization
- Annual fee
- High income requirements
Rewards
- Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category.
- 1 point‡ for every $1 on all other eligible purchases.
- Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points.
Insurance
Coverage
Mobile Device Insurance
$1000
Purchase Protection
Up to 90 days
Extended Warranty
Up to a year.svg)
Car Rental Damage & Theft
31 days
Flight Delay
$500/person after 4 hours
Common Carrier Travel Accident Insurance
$1,000,000
Travel Medical Insurance
$2M for 21 days
Lost or Stolen Baggage
$1000/personBaggage Delay
$1000/person
Benefits
Details
Annual Birthday Bonus
10% of the Points earned the 12 months prior to the primary cardholder's birthday month (up to a max 15,000 bonus points per year)
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
Trip and legal Assistance
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Concierge Services
Price Protection
$500/item, $1000/account per year
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
**, ††, ‡, ✪, ***, ††††, Terms and Conditions apply.
This offer is not available for residents of Quebec.
Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank. Check here for full details and current product information.
Our choice for: Best for traveler families
APPLY NOW
on Scotiabank's website
Welcome Bonus
Earn up to $1,500 in value, including up to 60,000 bonus Scene+ points
Annual Fee
$150
Interest Rates
20.99% / 22.99%
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
4.9/5
The Scotiabank Passport Visa Infinite is a strong choice for frequent travelers, especially those who value flexibility and premium perks. It stands out with its rare benefit of no foreign transaction fees, making international purchases more cost-effective. Additionally, the card offers a valuable blend of travel perks, including airport lounge access, comprehensive insurance coverage, and flexible rewards, making it an ideal companion for those who frequently travel abroad and want to avoid extra fees while enjoying premium benefits.
Awards & Recognition
Best Travel Credit Card
2026
Pros
- High rewards
- No foreign transaction fees
- Comprehensive insurance
- Airport lounge access
- Generous intro offer
Cons
- High income requirements
- High annual fee
Rewards
- Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more†
- Earn 2x Scene+™ points for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways taxis and more)†
- Plus earn 1 Scene+™ point for every $1 spent on all other eligible everyday purchases†
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia†
Insurance
Coverage
Travel Medical Insurance
$2M/insured up to 25 daysTravel Medical Insurance (65+)
$2M/insured up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$2,500/person, $10,000/tripFlight Delay
$500/person after 4 hoursLost or Stolen Baggage
$1,000Baggage Delay
$1,000Common Carrier Travel Accident Insurance
$500,000/insured, $1M combinedCar Rental Damage & Theft
$65,000 up to 48 days
Hotel Burglary Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Airport Lounge - Dragon Pass
6 Free complimentary visits.svg)
Status lift
Avis® Preferred Plus membershipConcierge Services
Visa Infinite Exclusive Benefits
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
Our choice for: Best cashback for families
APPLY NOW
on Neo Financial's website
Welcome Bonus
N/A
Annual Fee
$125
Interest Rates
19.99% - 26.99%□ / 22.99% - 28.99%
RECOMMENDED CREDIT SCORE
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
4.6/5
This card offers some of the highest cash back rates in Canada for gas, groceries, and recurring purchases, which is pretty hard to beat. While the cash back rates are very high, you need to mind the spend caps set for each category to see if your earning potential is really that high compared to most other credit cards. However, if you're the average person whose spending is generally below $12k per year in groceries, $6k per year in recurring bills and $12k per year in gas, then you'll be doing pretty well, especially with the great insurance and benefit offers.
Awards & Recognition
Best Cash Back Credit Card
2026
Pros
- High cashback rates
- Premium insurance coverage
- Airport lounge membership
- Boosted partner cashback
- Instant approval and access
Cons
- High income requirements
- Spending caps
- Annual fee
Rewards
- 5% cash back on grocery purchases up to $1,000 spending per month
- 4% cash back on recurring purchases up to $500 spending per month
- 3% cash back on gas purchases up to $1,000 spending per month
- 1% cash back on all other purchases with no spending caps
- Up to 15% cash back at over 10,000 Neo Partners
Insurance
Coverage
Travel Medical Insurance
Up to $1,000,000Trip Cancellation
$1,000Trip Interruption
$1,000Flight Delay
$500Baggage Delay
$1,000Hotel Burglary Insurance
$1,000
Car Rental Accident
$100,000 for cardholder, up to $10,000 per Spouse or Dependent ChildCar Rental Damage & Theft
Yes.svg)
Car Rental Personal Effects
$1,000Purchase Protection
90 daysExtended Warranty
1 yearLost or Stolen Baggage
$1,000
Benefits
Details
Airport Lounge - Dragon Pass
Pass only - pay $32 USD per visit
Eligibility
Credit Score
FairAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best no-fee card for families
APPLY NOW
on Tangerine's website
Welcome Bonus
$120 bonus after spending $1.5k in 3 months + 1.95% balance transfer promo rate for 6 months
Annual Fee
$0
Interest Rates
20.95%* / 22.95%*
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
4.6/5
While we think Tangerine World Mastercard isn't the best single credit card to own, it's still a valuable card to have in your arsenal for maximizing your rewards. It offers one of the highest cashback rates for pharmacy and recurring bill payments, areas where your other credit cards might not provide significant rewards. For no annual fees
Pros
- Customizable cashback
- No annual fee
- Unique cashback categories available
- High recurring transactions optimization
- High pharmacy purchase optimization
- Airport lounge membership
Cons
- Income requirements
- Low base earn rate
Rewards
- 2% Money-Back Rewards on your choice of two categories from the 13 offered by Tangerine (Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel-Motel, Drug Store, Reccurring Bill Payments, Home Improvement, Public Transportation and Parking and more). Change them up every 90 days to match spending habits.
- Have your Money-Back Rewards deposited into a Tangerine Savings Account and get a third 2% Money-Back Category.
- 0.5% cashback on all other eligible purchases.
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 yearMobile Device Insurance
$1,000Car Rental Damage & Theft
31 days
Benefits
Details
Airport Lounge - Dragon Pass
Pass only. No Complimentary visits!
Wireless Credit
FlexiRoam 1GB Global Data Roaming Plan and 15% off on purchase of Data Plans.
Mastercard On-Demand and Subscription Services
Access 50+ live-stream sports channels and save $30 on your first three months of Fubo (excludes Quebec)
Eligibility
Credit Score
GoodAnnual Income
$50,000 personal or $80,000 household
*Tangerine is not responsible for maintaining accuracy of content on this site. Please refer to Tangerine's site for the latest product details. Check here for full details and current product information.
Our choice for: Best for Rogers, Shaw, or Fido Customers
APPLY NOW
on Rogers Bank's website
Welcome Bonus
N/A
Annual Fee
$0
Interest Rates
20.99% - 25.99%* / 22.99% - 27.99%*
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
4.5/5
This card is one of the best in Canada, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is higher than what almost any other card offers, even those with annual fees! Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!
Awards & Recognition
Best No Fee Cash Back Credit Card
2026
Pros
- Top no-fee contender
- Service redemption boosts
- Member earning boosts
- USD optimization
- Comprehensive coverage
- Airport lounge membership
- No cost roaming
Cons
- High income requirements
Rewards
- Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars.^
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Comwave or Shaw.^
- Otherwise earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.^
- Get 1.5 times more cash back every time you redeem for Rogers, Fido, Comwave or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan every year.^
Insurance
Coverage
Travel Medical Insurance
Up to 10 daysTravel Medical Insurance (65+)
Up to 3 daysTrip Cancellation
$1,000/person, $5,000 maximumTrip Interruption
$1,000/person, $5,000 maximumCar Rental Damage & Theft
31 days, $65,000 car MSRPPurchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
Pass only, complimentary visits not includedNo Cost roaming
Roam Like Home: 5 days with eligible Rogers mobile plan
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
**, ^, Terms and conditions apply. Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information and applicable terms and conditions, visit Rogersbank.com. ®/TM Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Used under License. The Rogers Red World Elite® Mastercard is issued by Rogers Bank. TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2026 Rogers Bank. Rogers Bank is the issuer of this credit card. Check here for full details and current product information.
Our choice for: Best No fee for frequent diners
APPLY NOW
on Simplii Financial™'s website
Welcome Bonus
20% cashback† up to $500 in spending
Annual Fee
$0
Interest Rates
20.99%* / 22.99%*
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
4.3/5
If you dine out a lot and don't want to pay an annual fee for your credit card, the Simplii Financial™ Cash Back Visa* Card will undoubtedly be one of your best friends with its 4% cashback. Additionally, the card offers a decent cashback rate (1.5%) for gas, pharmacy, and groceries, making it one of the best no-annual-fee cashback credit cards in Canada. However, there are limits on how much you can earn in these categories. Therefore, you need to be careful not to exceed those limits; otherwise, your cashback rate will drop to 0.5% after those spending limits are reached.
Awards & Recognition
Best Dining Cash Back Credit Card
2026
Pros
- High restaurant optimization
- Decent cashback rates
- No annual fee
Cons
- Basic insurance
- No benefits
- Capped rewards
Rewards
- 4% cash back on eligible restaurant, bar, and coffee shop purchases up to $5,000 spent per year†
- 1.5% cash back on gas, groceries, drugstore, and pre-authorized payments up to $15,000 spent per year†
- 0.5% cashback on all other purchases†
Insurance
Coverage
Purchase Protection
Up to 90 daysExtended Warranty
Up to 1 year
Eligibility
Credit Score
GoodAnnual Income
$15,000 household
*†Terms and conditions apply. Click ‘Apply Now’ for complete details. Banking services are not available in Quebec. *“Purchase” means any Transaction other than a Cash Advance, Balance Transfer or Convenience Cheque. “Cash” means a Cash Advance, Balance Transfer and Convenience Cheque. Interest rates may change from time to time. Check here for full details and current product information.
Our choice for: Best for travel rewards
APPLY NOW
on American Express' website
Welcome Bonus
Up to 15,000 Membership Rewards® points
Annual Fee
$191.88⁕
$15.99 Paid Monthly
⁕ For Quebec, $191.88/year
Interest Rates
21.99%* / 21.99%*
RECOMMENDED CREDIT SCORE
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
4.9/5
This card was voted one of the Best Credit Card in Canada by FinlyWealth. The rewards earned on this card for a person with average spending exceed those of other credit cards in Canada by a huge margin! In addition, this card has a good benefits coverage, a flexible amex cobalt bonus points redemption program (1:1 transfer to Aeroplan® or Avios), making it the best candidate to become the main credit card for the majority of people.
Awards & Recognition
Best Travel Rewards Credit Card
2026
Pros
- Impressive optimization
- 1:1 Aeroplan point transfer
- Generous welcome bonus
- Flexible high value redemptions
- Comprehensive coverage
- Highly ranked
Cons
- Limited acceptance
- Lacks valuable coverage categories
Rewards
- 5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month)
- 3x points per $1 spent on eligible streaming subscriptions in Canada
- 2x points per $1 spent on eligible gas, transit & ride share in Canada
- 1x point per $1 spent on all other purchases
Insurance
Coverage
Travel Medical Insurance
15 days, up to $5M (if under age 65)Flight Delay
$500Baggage Delay
$500Hotel Burglary Insurance
$500Lost or Stolen Baggage
$500Common Carrier Travel Accident Insurance
$250,000Car Rental Damage & Theft
yesMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Amex Experiences™
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™.svg)
Travel Credit
Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.
Eligibility
Credit Score
GoodAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
From our editors: The full list of Best Family Credit Cards in Canada For 2025
Best Overall Credit Card for Families: MBNA Rewards World Elite Mastercard
The MBNA Rewards World Elite Mastercard is one of the most balanced rewards cards for families, offering strong value across everyday categories like groceries, restaurants, digital media, memberships, and household utilities. Its elevated earn rate on grocery spending makes it especially useful for households looking to get more out of their routine purchases. The card also includes flexible redemption options and a unique annual birthday bonus that returns a portion of the points earned in the previous year. Although it comes with an annual fee and higher income requirements, its blend of broad category coverage and meaningful perks makes it a well-rounded choice for most families seeking reliable, rewarding everyday spending. Learn more at MBNA Rewards World Elite Mastercard review.
Best for traveler families: Scotiabank Passport Visa Infinite Card
The Scotiabank Passport Visa Infinite Card is a great fit for families who travel, offering strong Scene+ rewards at partnered grocers and solid points on other grocery purchases, dining, entertainment, and transit. Families can also earn extra points on hotels, car rentals, and travel booked through Scene+ Travel. Its comprehensive travel insurance—covering trip interruption, trip cancellation, hotel burglary, and even emergency medical for travellers over 65—adds valuable peace of mind. With no foreign transaction fees, lounge access through Dragon Pass, concierge services, and wide acceptance worldwide thanks to the Visa network, this card provides a well-balanced mix of rewards, protection, and perks that make family trips easier and more enjoyable. Learn more at Scotiabank Passport Visa Infinite Card review.
Best cashback for families: Neo World Elite Mastercard
The Neo World Elite Mastercard is a strong cashback choice for families, especially when it comes to grocery spending. It offers a high earn rate on groceries, with the opportunity to boost that rate even further by keeping savings in a Neo everyday account—an option that can also enhance rewards on recurring bills, EV charging, gas, and more. Families who shop at Neo’s partnered grocers, including Loblaws Companies, Walmart Supercentre, and Real Canadian Superstore, can earn additional bonus cashback on top of their regular rewards. While the card comes with an annual fee and higher income requirements, its overall earning potential on everyday family spending often outweighs the cost. For families seeking the best cashback return on groceries, the Neo World Elite Mastercard is a compelling option. Learn more at Neo World Elite Mastercard review.
Best no-fee card for families: Tangerine Money-Back World Mastercard
The Tangerine Money-Back Credit Card is an excellent no-fee option for families who want a budget-friendly and customizable cashback card. It lets you choose two earning categories from a list of ten everyday spending areas such as groceries, gas, restaurants, recurring bills, and more with the option to add a third category if you have a Tangerine Savings Account. No matter which categories you select, you’ll earn solid cashback without paying an annual fee. Its simplicity also makes it appealing for busy households, offering straightforward rewards with only standard purchase protection and extended warranty insurance. For families who want flexibility, control over their rewards, and zero annual cost, the Tangerine Money-Back Credit Card is a top choice. Learn more at Tangerine Money-Back Mastercard review.
Best for Rogers, Shaw, or Fido Customers: Rogers Red World Elite Mastercard
The Rogers Red World Elite Mastercard is a strong option for families who want reliable cashback on all their everyday purchases, including groceries from places like Costco. It delivers a high flat rate on all spending, with the opportunity to boost that rate even more if you have an eligible Rogers, Fido, or Shaw service. The card has no annual fee but does require a higher income to qualify, and for households that do not meet that requirement, the Rogers Red Mastercard offers a similar boosted structure when paired with an eligible service. Read more at Rogers Red World Elite Mastercard review.
Best No fee for frequent diner families: Simplii Financial Cash Back Visa Card
The Simplii Financial Cash Back Visa Card is a great budget friendly option for families who want steady cashback without paying an annual fee. It offers solid rewards on eligible restaurant, bar, and coffee shop purchases, making it especially useful for households that enjoy dining out. While there are small income requirements to keep in mind, this card is an easy, low commitment way for families to save money while earning cashback on everyday outings. Learn more at Simplii Financial Cash Back Visa Card review.
How we picked these cards
To choose the best credit cards for families, we analyzed typical family spending categories and selected cards that offer the highest earn rates in those areas. In addition, we reviewed each card’s benefits and insurance coverage, prioritizing those most useful for families, to determine the best overall card in each category.
Frequently Asked Questions
Adding family members as authorized users can be an effective way to amplify your household’s rewards. Whether you earn cash back or points, giving your partner or older children their own cards lets all spending flow into the same account, helping you accumulate rewards much faster. Some card issuers provide additional cards at no cost, while others may charge a small fee. Remember that even though each person receives their own card, the primary account holder is ultimately responsible for all charges. With thoughtful planning, adding authorized users can help your family maximize its rewards and reach financial goals more efficiently.
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Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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