Compare Credit Cards in Canada and Find the Best Credit Card for You

Finly offers the most personalized and advanced solution to What credit card is best for me?

We've implemented extensive features in our tool to help you find your best credit cards.

Compare and Find

We've gathered nearly all credit cards in Canada into one place, complete with their details about benefits, insurance options, rewards, and requirements. You can input specific information about yourself to quickly narrow down the best credit cards.

Rewards Calculator

FinlyWealth's Advanced Calculator tool provides a clear estimate of the cashback or points you can earn with each card. Since rewards are often the most significant differentiating factor for many people when choosing a card, we have focused on making this feature as accurate as possible, whether you are seeking the best points-based or cashback credit card.

Credit Cards

Compare Credit Cards

Rewards Calculator Algorithm

You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.

Finly factors in all the reward limits and fine prints of every single credit card.


Your Spending

Modify your spending numbers and click update to get the most accurate reward estimates.

$2,000

Restaurant, Fast Food & Coffee Shop

$

Grocery

$

Recurring Purchases (Bills, Subscriptions, Rent via Chexy)

$

Gas

$

Transportation

$

Entertainment (Movies, Concerts, etc.)

$

Foreign Purchases (Non $CAD)

$

Travel (Flights, Hotels, etc.)

$

Pharmacy

$

Online Shopping

$

Home Improvement (Renovation, Furniture)

$

Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Purchases Not Specified

$


Credit Card Preferences

Cash Back or Points

Annual Fee

Special Rebates


Subscription Bonuses

Select all options which you're currently subscribed to (i.e. account owner). The corresponding card reward values will change based on your selection.

rogers

Primary Rogers, Fido or Shaw service account owner


amazon-prime

Amazon Prime


tangerine

Tangerine Savings Account


Credit & Income Info

Credit Score

Income

Personal

Household



Credit Cards (118)

Your rewards based on $2,000 in average spending

American Express Cobalt® Card

American Express Cobalt® Card

First Year Value:

$1,201.02

Annual Fee

$155.8

$0

Learn More

First Year Bonus

$315

Net Annual Rewards

$886.02

Annual fee deducted

Earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in purchases on your Card in the first Year

Card Information

  • Card Type

    Points
  • Institution

    American Express
  • Card Network

    Amex Canada

Fees

  • Annual Fee

    $155.8
  • First Year Free

    No
  • Additional Card Fee

    $0

Interest Rates

  • Purchase

    21.99%1
  • Cash Advance

    21.99%1
  • Balance Transfer

    N/A
1 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 28.99%.

Eligibility

  • Estimated Credit Score

    Good
  • Min Income - Personal

    N/A
  • Min Income - Household

    N/A

How to earn 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

Welcome Bonus

Earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in purchases on your Card in the first Year

Insurance

Coverage

  • travel accident medical

    Emergency Out of province Medical

    15 days
  • hourglass timer

    Flight Delay

    $500
  • hourglass timer

    Baggage Delay

    $500
  • burglar

    Hotel Burglary Insurance

    $500
  • lost baggage

    Lost or Stolen Baggage

    $500
  • heart lock

    Travel Accident

    $250,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to 1 year

Benefits

  • Amex logo

    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™
  • travel

    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.

This card was voted 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 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.

Pros

  • Points can be transferred to Air Canada Aeroplan® at a 1:1 ratio, making this card a solid Aeroplan® points earner as an alternative to Aeroplan® branded credit cards
  • Generous welcome bonus of up to 15,000 points
  • 4+ different ways of redeeming your points for great value
  • 10 different types of insurance, including travel
  • Often referred to as the Best Credit Card in Canada

Cons

  • Less acceptance of American Express at different merchants across Canada
  • Not all types of travel insurance are covered, especially trip cancellation and interruption insurance

American Express Cobalt® Card

First Year Value:

$1,201.02

American Express Cobalt® Card

5/5

Annual Fee

$155.8

$0

Learn More

First Year Bonus

$315

Net Annual Rewards

$886.02

Annual fee deducted

Earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in purchases on your Card in the first Year



Card Information


Fees

  • Annual Fee

    $155.8
  • First Year Free

    No
  • Additional Card Fee

    $0

Interest Rates

  • Purchase

    21.99%1
  • Cash Advance

    21.99%1
  • Balance Transfer

    N/A
1 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 28.99%.

Eligibility

  • Estimated Credit Score

    Good
  • Min Income - Personal

    N/A
  • Min Income - Household

    N/A

How to earn 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

Welcome Bonus

Earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in purchases on your Card in the first Year

Insurance

Coverage

  • travel accident medical

    Emergency Out of province Medical

    15 days
  • hourglass timer

    Flight Delay

    $500
  • hourglass timer

    Baggage Delay

    $500
  • burglar

    Hotel Burglary Insurance

    $500
  • lost baggage

    Lost or Stolen Baggage

    $500
  • heart lock

    Travel Accident

    $250,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to 1 year

Benefits

  • Amex logo

    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™
  • travel

    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.

This card was voted 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 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.

Pros

  • Points can be transferred to Air Canada Aeroplan® at a 1:1 ratio, making this card a solid Aeroplan® points earner as an alternative to Aeroplan® branded credit cards
  • Generous welcome bonus of up to 15,000 points
  • 4+ different ways of redeeming your points for great value
  • 10 different types of insurance, including travel
  • Often referred to as the Best Credit Card in Canada

Cons

  • Less acceptance of American Express at different merchants across Canada
  • Not all types of travel insurance are covered, especially trip cancellation and interruption insurance

Scotiabank Gold American Express® Card

4.9/5

Scene+

Credit Score:

Good

First Year Value:

$1,213.54

Annual Fee

$120

$0

Learn More

First Year Bonus

$450

Net Annual Rewards

$493.54

Annual fee deducted

Card Information

  • Card Type

    Points
  • Institution

    Scotiabank
  • Card Network

    Amex Canada

Fees

  • Annual Fee

    $120
  • First Year Free

    Yes
  • Additional Card Fee

    $29

Interest Rates

  • Purchase

    20.99%
  • Cash Advance

    22.99%
  • Balance Transfer

    22.99%

Eligibility

  • Estimated Credit Score

    Good
  • Min Income - Personal

    $12,000
  • Min Income - Household

    $12,000

How to earn rewards

  • 6 Points per $1 spent at Sobeys, Safeway, IGA, Foodland & Participating Co-ops
  • 5 Points per $1 spent on eligible dining, other grocery stores, entertainment purchases including movies, theatre, and ticket agencies
  • 3 Points per $1 spent on rides which includes rideshare, buses, taxis, subways and more
  • 3 Points per $1 spent on eligible streaming service payments (Netflix, Spotify, Disney+, Crave and more)
  • 1 Point per $1 spent on all other eligible purchases

Welcome Bonus

Earn 25,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.

Insurance

Coverage

  • travel accident medical

    Emergency Out of province Medical

    $1M, Up to 25 days
  • travel accident medical

    Emergency Medical Over 65

    $1M, Up to 3 days
  • cancel airplane

    Trip Cancellation

    $1500/person, $10000/trip
  • pause

    Trip Interruption

    $1500/person, $10,000/trip
  • lost baggage

    Lost or Stolen Baggage

    $500/person, $1000/trip
  • hourglass timer

    Baggage Delay

    $500/person, $1,000/trip After 4 hours
  • hourglass timer

    Flight Delay

    $500/person
  • heart lock

    Travel Accident

    $500K/person, $1M/occurrence
  • car insurance

    Car Rental Damage & Theft

    $65K up to 48 days
  • burglar

    Hotel Burglary Insurance

    $1000/occurrence
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to 1 year

Benefits

  • exchange money

    No Foreign Transaction Fees

    Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD
  • Amex logo

    American Express® Experiences

  • concierge

    Concierge Services

  • discount

    Discount

    Discount on PriorityPass Membership

The Scotiabank Gold American Express® Card is one of our favorite cards. It has a very solid rewards program, earning one of the highest rewards among all credit cards in Canada. In addition, it offers comprehensive travel benefits, including the rare and valuable no foreign transaction fee benefit, making it a great and balanced credit card in terms of both rewards and benefits. The first-year annual fee waiver is the cherry on top, providing even greater value to cardholders.

Best Overall Travel Credit Card

Pros

  • No foreign transaction fee saves you 2.5% on all non-CAD purchases.
  • Rewards cover all high-spending categories, including food, groceries, entertainment, and gas.
  • Comprehensive coverage of all travel insurance.

Cons

  • The card network is American Express, which might not be widely accepted in some countries, making it a bit harder to use the no foreign transaction fee benefit.
  • Having a lounge pass would have made this card even more perfect, but there is access to a discount code for lounge access pass purchases.

Scotiabank Gold American Express® Card

First Year Value:

$1,213.54

Scotiabank Gold American Express® Card

$150

4.9/5

Annual Fee

$120

$0

Learn More

First Year Bonus

$450

Net Annual Rewards

$493.54

Annual fee deducted



Card Information

  • Card Type

    Points
  • Institution

    Scotiabank
  • Card Network

    Amex Canada
  • Loyalty


Fees

  • Annual Fee

    $120
  • First Year Free

    Yes
  • Additional Card Fee

    $29

Interest Rates

  • Purchase

    20.99%
  • Cash Advance

    22.99%
  • Balance Transfer

    22.99%

Eligibility

  • Estimated Credit Score

    Good
  • Min Income - Personal

    $12,000
  • Min Income - Household

    $12,000

How to earn rewards

  • 6 Points per $1 spent at Sobeys, Safeway, IGA, Foodland & Participating Co-ops
  • 5 Points per $1 spent on eligible dining, other grocery stores, entertainment purchases including movies, theatre, and ticket agencies
  • 3 Points per $1 spent on rides which includes rideshare, buses, taxis, subways and more
  • 3 Points per $1 spent on eligible streaming service payments (Netflix, Spotify, Disney+, Crave and more)
  • 1 Point per $1 spent on all other eligible purchases

Welcome Bonus

Earn 25,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.

Insurance

Coverage

  • travel accident medical

    Emergency Out of province Medical

    $1M, Up to 25 days
  • travel accident medical

    Emergency Medical Over 65

    $1M, Up to 3 days
  • cancel airplane

    Trip Cancellation

    $1500/person, $10000/trip
  • pause

    Trip Interruption

    $1500/person, $10,000/trip
  • lost baggage

    Lost or Stolen Baggage

    $500/person, $1000/trip
  • hourglass timer

    Baggage Delay

    $500/person, $1,000/trip After 4 hours
  • hourglass timer

    Flight Delay

    $500/person
  • heart lock

    Travel Accident

    $500K/person, $1M/occurrence
  • car insurance

    Car Rental Damage & Theft

    $65K up to 48 days
  • burglar

    Hotel Burglary Insurance

    $1000/occurrence
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to 1 year

Benefits

  • exchange money

    No Foreign Transaction Fees

    Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD
  • Amex logo

    American Express® Experiences

  • concierge

    Concierge Services

  • discount

    Discount

    Discount on PriorityPass Membership

The Scotiabank Gold American Express® Card is one of our favorite cards. It has a very solid rewards program, earning one of the highest rewards among all credit cards in Canada. In addition, it offers comprehensive travel benefits, including the rare and valuable no foreign transaction fee benefit, making it a great and balanced credit card in terms of both rewards and benefits. The first-year annual fee waiver is the cherry on top, providing even greater value to cardholders.

Best Overall Travel Credit Card

Pros

  • No foreign transaction fee saves you 2.5% on all non-CAD purchases.
  • Rewards cover all high-spending categories, including food, groceries, entertainment, and gas.
  • Comprehensive coverage of all travel insurance.

Cons

  • The card network is American Express, which might not be widely accepted in some countries, making it a bit harder to use the no foreign transaction fee benefit.
  • Having a lounge pass would have made this card even more perfect, but there is access to a discount code for lounge access pass purchases.

MBNA Rewards World Elite® Mastercard®

MBNA Rewards World Elite® Mastercard®

4.7/5

MBNA Rewards

Credit Score:

Very Good

First Year Value:

$767.52

Annual Fee

$120

$0

Learn More

First Year Bonus

$300

Net Annual Rewards

$467.52

Annual fee deducted

10,000 points for going Paperless. 20,000 points after spending $2,000 after 90 days of account opening

Card Information

  • Card Type

    Points
  • Institution

    MBNA
  • Card Network

    Mastercard

Fees

  • Annual Fee

    $120
  • First Year Free

    No
  • Additional Card Fee

    $50

Interest Rates

  • Purchase

    19.99%
  • Cash Advance

    24.99%
  • Balance Transfer

    N/A

Eligibility

  • Estimated Credit Score

    Very Good
  • Min Income - Personal

    $80,000
  • Min Income - Household

    $150,000

How to earn rewards

  • 5 points on restaurant, grocery, digital media, membership, and household utility purchases (maximum $50,000 spend annually per category)
  • 1 point for everything else

Welcome Bonus

10,000 points for going Paperless. 20,000 points after spending $2,000 after 90 days of account opening

Insurance

Coverage

  • mobile device insurance

    Mobile Device Insurance

    $1000
  • purchase protection

    Purchase Protection

    Up to 90 days
  • extended warranty

    Extended Warranty

    Up to a year
  • car insurance

    Car Rental Damage & Theft

    31 days
  • hourglass timer

    Flight Delay

    $500/person after 4 hours
  • heart lock

    Travel Accident

    $1,000,000
  • travel accident medical

    Emergency Out of province Medical

    $2M for 21 days
  • lost baggage

    Lost or Stolen Baggage

    $1000/person
  • hourglass timer

    Baggage Delay

    $1000/person

Benefits

  • birthday cake

    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

    Car Rental Discount

    10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
  • gavel

    Trip and legal Assistance

  • concierge

    Concierge Services

  • price protection

    Price Protection

    $500/item, $1000/account per year

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.

Pros

  • Both restaurants and groceries, two of the most commonly spent categories, earn decent rewards.
  • Great annual birthday bonus with up to $150 in value.
  • A solid list of travel insurance and benefits.
  • Price protection, a rare feature not offered by many other cards.
  • Good value for many of the card's redemption options.

Cons

  • Trip cancellation and interruption insurance, two great benefits are missing from this card.
  • Not the best card for gas purchases.

MBNA Rewards World Elite® Mastercard®

First Year Value:

$767.52

MBNA Rewards World Elite® Mastercard®

4.7/5

Annual Fee

$120

$0

Learn More

First Year Bonus

$300

Net Annual Rewards

$467.52

Annual fee deducted

10,000 points for going Paperless. 20,000 points after spending $2,000 after 90 days of account opening



Card Information

  • Card Type

    Points
  • Institution

    MBNA
  • Card Network

    Mastercard
  • Loyalty


Fees

  • Annual Fee

    $120
  • First Year Free

    No
  • Additional Card Fee

    $50

Interest Rates

  • Purchase

    19.99%
  • Cash Advance

    24.99%
  • Balance Transfer

    N/A

Eligibility

  • Estimated Credit Score

    Very Good
  • Min Income - Personal

    $80,000
  • Min Income - Household

    $150,000

How to earn rewards

  • 5 points on restaurant, grocery, digital media, membership, and household utility purchases (maximum $50,000 spend annually per category)
  • 1 point for everything else

Welcome Bonus

10,000 points for going Paperless. 20,000 points after spending $2,000 after 90 days of account opening

Insurance

Coverage

  • mobile device insurance

    Mobile Device Insurance

    $1000
  • purchase protection

    Purchase Protection

    Up to 90 days
  • extended warranty

    Extended Warranty

    Up to a year
  • car insurance

    Car Rental Damage & Theft

    31 days
  • hourglass timer

    Flight Delay

    $500/person after 4 hours
  • heart lock

    Travel Accident

    $1,000,000
  • travel accident medical

    Emergency Out of province Medical

    $2M for 21 days
  • lost baggage

    Lost or Stolen Baggage

    $1000/person
  • hourglass timer

    Baggage Delay

    $1000/person

Benefits

  • birthday cake

    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

    Car Rental Discount

    10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
  • gavel

    Trip and legal Assistance

  • concierge

    Concierge Services

  • price protection

    Price Protection

    $500/item, $1000/account per year

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.

Pros

  • Both restaurants and groceries, two of the most commonly spent categories, earn decent rewards.
  • Great annual birthday bonus with up to $150 in value.
  • A solid list of travel insurance and benefits.
  • Price protection, a rare feature not offered by many other cards.
  • Good value for many of the card's redemption options.

Cons

  • Trip cancellation and interruption insurance, two great benefits are missing from this card.
  • Not the best card for gas purchases.

American Express® Green Card

American Express® Green Card

First Year Value:

$667.03

Annual Fee

$0

$0

Learn More

First Year Bonus

$210

Net Annual Rewards

$457.03

Annual fee deducted

Earn a Welcome Bonus of 10,000 points when you charge $1,000 in purchases to your Card in the first 3 months.

Card Information

  • Card Type

    Points
  • Institution

    American Express
  • Card Network

    Amex Canada

Fees

  • Annual Fee

    $0
  • First Year Free

    No
  • Additional Card Fee

    $0

Interest Rates

  • Purchase

    21.99%1
  • Cash Advance

    21.99%1
  • Balance Transfer

    N/A
1 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 28.99%.

Eligibility

  • Estimated Credit Score

    Good
  • Min Income - Personal

    N/A
  • Min Income - Household

    N/A

How to earn rewards

  • 1x point per $1 spent on all purchases

Welcome Bonus

Earn a Welcome Bonus of 10,000 points when you charge $1,000 in purchases to your Card in the first 3 months.

Insurance

Coverage

  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to a year

Benefits

  • Amex logo

    Amex Experiences™

    With Amex Experiences™ and Front Of The Line® Amex Presale Tickets, American Express Cardmembers get access to amazing events in Canada
  • reward cup

    Extra points

    2 points on Amex Travel Online purchases

The American Express® Green Card is a great option for those looking for a no-frills card that earns rewards on all purchases without any annual fee or minimum income requirement. It's an accessible card with no cap on rewards, making it ideal for those who want to earn points without the higher costs and complexities of premium cards. However, it does come with lower rewards earnings across most categories and a modest welcome bonus.

Pros

  • No Spending Limits: Earn unlimited rewards with no caps.
  • Flexible Redemption: Transfer points to other loyalty programs for maximum value.
  • VIP Perks: Access a variety of exclusive benefits through Amex Experiences™.
  • Eco-Friendly: The card is made from 99% recycled plastic.

Cons

  • Lower Reward Rates: Earn rates are lower compared to other no-fee cards.
  • Limited Travel Perks: Lacks some of the travel benefits and insurance options provided by other cards.

American Express® Green Card

First Year Value:

$667.03

American Express® Green Card

3.9/5

Annual Fee

$0

$0

Learn More

First Year Bonus

$210

Net Annual Rewards

$457.03

Annual fee deducted

Earn a Welcome Bonus of 10,000 points when you charge $1,000 in purchases to your Card in the first 3 months.



Card Information


Fees

  • Annual Fee

    $0
  • First Year Free

    No
  • Additional Card Fee

    $0

Interest Rates

  • Purchase

    21.99%1
  • Cash Advance

    21.99%1
  • Balance Transfer

    N/A
1 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 28.99%.

Eligibility

  • Estimated Credit Score

    Good
  • Min Income - Personal

    N/A
  • Min Income - Household

    N/A

How to earn rewards

  • 1x point per $1 spent on all purchases

Welcome Bonus

Earn a Welcome Bonus of 10,000 points when you charge $1,000 in purchases to your Card in the first 3 months.

Insurance

Coverage

  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to a year

Benefits

  • Amex logo

    Amex Experiences™

    With Amex Experiences™ and Front Of The Line® Amex Presale Tickets, American Express Cardmembers get access to amazing events in Canada
  • reward cup

    Extra points

    2 points on Amex Travel Online purchases

The American Express® Green Card is a great option for those looking for a no-frills card that earns rewards on all purchases without any annual fee or minimum income requirement. It's an accessible card with no cap on rewards, making it ideal for those who want to earn points without the higher costs and complexities of premium cards. However, it does come with lower rewards earnings across most categories and a modest welcome bonus.

Pros

  • No Spending Limits: Earn unlimited rewards with no caps.
  • Flexible Redemption: Transfer points to other loyalty programs for maximum value.
  • VIP Perks: Access a variety of exclusive benefits through Amex Experiences™.
  • Eco-Friendly: The card is made from 99% recycled plastic.

Cons

  • Lower Reward Rates: Earn rates are lower compared to other no-fee cards.
  • Limited Travel Perks: Lacks some of the travel benefits and insurance options provided by other cards.

Desjardins Cash Back World Elite® Mastercard®

Desjardins Cash Back World Elite® Mastercard®