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onaclaireplane Best Cards for Lower Income
Published Jun 25, 2026 6:00 AM
• Updated Jun 25, 2026 9:14 PM
American Express
4.9
Best travel points earning credit card in Canada
$150 cash offer
Scotiabank
4.9
Great rewards, travel benefits and no FX fees
Annual Fee
$191.88
$120
$48
$0
$0
$0
Interest Rates
Purchase
21.99%*
Cash advance
21.99%*
Rate details
Purchase
21.99%
Cash advance
22.99%
Balance transfer
22.99%
Purchase
20.99%
Cash advance
22.99%
Quebec
21.99%
Balance transfer
22.99%
Purchase
21.99%*
Cash advance
22.99%*
Balance transfer
22.99%*
Rate details
Purchase
21.99%
Cash advance
22.99%
Balance transfer
22.99%
Purchase
21.99%
Cash advance
21.99%
Balance transfer
21.99%
Welcome Bonus
Up to 15,000 Membership Rewards® points
Earn up to $950 in welcome offers, first year rewards and savings value, and up to 50,000 bonus Scene+ points.
Get up to 28,000 Avion points^ - that's up to $200 of value in gift cards†!
Earn up to 5,000 bonus Scene+ points within your first 3 months.
Up to 10,000 bonus points†† + 4x points on restaurant, grocery, digital media, membership and household utility purchases††
Receive up to 10,000 bonus points††
Rewards
1x - 5x
1x - 6x
1x - 3x
1x - 2x
1x - 4x
1x - 2x
Finly Offer
Exclusive cash back
—
—
Apply Now
on American Express' website
Apply with Confidence — won't impact your credit score
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on Scotiabank's website
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on RBC's website
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on Scotiabank's website
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on MBNA's website
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on MBNA's website
Welcome Bonus Details
Earn Rates
Insurance Coverage
Extra Benefits
Requirements
About the author
Claire Haughian
Hi, I'm Claire 👋🏼, your one-stop shop for all things travel, and points and miles strategies, in Canada. I run @onaclaireplane because the points and miles world is loud, confusing, and full of hyp... See full bio
