Some people have a hard time deciding what they really want.

Doesn’t matter what it is: new partner, new house, new shoes…’s hard to zero in on things that are most important.

Choosing a credit card is no different.

Rewards, insurance, cash back, perks...they ALL sound good, right?

Well, you’ve come to the right place.

Not only have we taken all the cards in our database and calculated their rewards at the max possible earnings, but we have also considered things like insurance, perks, interest and anything else that makes a card stand out (for better or worse). Then we compiled a list of the 10 best Canadian credit cards overall.

We’re talking the best of the best. The cream of the crop…

(Ok, you get it.)

So, how’d we do it? We review a total of 50+ features of each credit card we track. After we crunch some numbers, we show you the net annual rewards in real dollars, and calculate our Genius Rating out of 5.

And what’s more? Our top 10 list has nothing to do with affiliate relationships or personal preference. Our algorithm is strictly independent and completely math-based, so you can know that we stand behind our picks for the top 10 credit cards overall.

So while we know that there is no “one size fits all” credit card…

We do believe that the cards in this list are the best cards in Canada right now.

Top 10 Best Overall Credit Cards in Canada

Featured In

The Globe and Mail