We created creditcardGenius to bring Canadians the best.

But, how do we figure out what cards are truly better than the rest?

It starts with reading the fine print of more than 180 credit cards and then tracking and comparing more than 50 features of each one. We enter those details into our math-based comparison engine ‒ and rank them using our Genius Rating.

With our Genius Rating guiding the way, we’ve been able to discover Canada’s best credit cards in 18 different categories.

So, whether you’re a world traveler, a cash-is-king straight shooter, a savvy shopper, or a Smart Saver ‒ this list has something for you.

And the winners are…

Ranging from 0% interest, to a flat 2% cash back on everything, all the way to 3.76% average rewards return on spending, here’s an overview of the well-deserved winners.

(Please note the the average earn rate is based on a reasonably optimized spending. For more accurate results, use our compare credit cards spending calculator in the sidebar.)

Best Credit Card Categories Best Credit Cards in Canada Rewards & Savings Learn More
Best Cash Back Scotia Momentum Visa Infinite 2.02% avg. earn rate Learn More
Best Cash Back with No Annual Fee Tangerine Money-Back Credit Card 1.13% avg. earn rate Learn More
Best Travel American Express Cobalt Card 3.76% avg. earn rate Learn More
Best Travel with No Annual Fee CIBC Aventura Visa Card 1.57% avg. earn rate Learn More
Best Balance Transfer Canadian Western Bank Rewards Mastercard 1.99% promo rate (10 months) Learn More
Best Aeroplan American Express Gold Rewards 3.43% avg. earn rate Learn More
Best AIR MILES BMO AIR MILES World Elite Mastercard 1.73% avg. earn rate Learn More
Best Low Interest TD Emerald Flex Rate Visa As low as prime + 1.50% interest Learn More
Best Insurance Desjardins Odyssey World Elite Mastercard 1.65% avg. earn rate Learn More
Best US Dollar RBC U.S. Dollar Visa Gold 1% avg. earn rate Learn More
Best Store Scotiabank GM Visa Infinite Card 3.25% avg. earn rate Learn More
Best Foreign Exchange Scotiabank Passport Visa Infinite Card 1.25% avg. earn rate Learn More
Best Student BMO SPC CashBack Mastercard 1% avg. earn rate Learn More
Best Perks The Platinum Card 3.12% avg. earn rate Learn More
Best Flexible American Express Cobalt Card 3.76% avg. earn rate Learn More
People’s Choice MBNA Rewards World Elite Mastercard 2% travel earn rate Learn More
Best Rewards American Express Cobalt Card 3.76% avg. earn rate Learn More
Best Overall American Express Cobalt Card 3.76% avg. earn rate Learn More

Let’s get into each category one by one and review the winners…

Plus a $150 travel bonus.
Only 200 gift cards left.

Best Cash Back Credit Card

Best Cash Back Credit Card in Canada for 2018 award seal

The Scotia Momentum Visa Infinite is an impressive cash back credit card that will give you up to 4% cash back on all your purchases. For an annual fee of only $99 (which is lower than most premium credit cards) this card will give you 4% back on gas and grocery purchases, 2% back on drugstore purchases and recurring bills, and 1% cash back on all other purchases. On top of that, this Visa Infinite will give you concierge service, secondary cards for only $30, Visa Infinite perks, and all for free for the first year ‒ plus 9 different types of insurance are included at no extra cost.

And as an additional bonus, the first year is free, and you’ll have the ability to earn 10% cash back in the first 3 months of account opening (up to $2,000 spent.)

Get the details here:

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Best No Fee Cash Back

Best No Annual Fee Cash Back Credit Card in Canada for 2018 award seal

The only thing better than getting cash back on all your purchases…is getting that cash back for free, right? If you’re new to the credit card game, a no fee cash back card is a great place to start ‒ and the best card to give you that no fee cash back is the Tangerine Money-Back Credit Card. You get an impressive 2% cash back in any two spending categories you choose. There are 10 different categories to choose from, and you get to choose whichever categories most of your expenses come from. Not only do you get to pick them, but if your spending habits change, you can change your chosen categories as well. (Plus, if you have a Tangerine Banking Account, you can even choose 3 categories.)

Get the details here:

See More Best No Fee Cash Back Credit Cards

Best Credit Card for Travel

Best Travel Credit Card in Canada for 2018 award seal

Travel credit cards are some of the best credit cards you can get. The best travel cards offer cardholders lucrative rewards, big sign up bonuses and their rewards often give you the biggest bang for your buck. This number one travel credit card is no exception. The American Express Cobalt gives cardholders a solid mix of flexible rewards, a generous welcome bonus, good insurance, and some pretty fun perks that all point to why this card is the best travel credit card in Canada. Plus, if you use your points with the Amex Fixed Points Travel Program, you’ll get a solid 3.76% return on your spending on North American flights, making this card the perfect card for travel lovers.

Get the details here:

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Best No Fee Travel

Best Travel Credit Card in Canada With No Annual Fee for 2018 award seal

In Canada, no fee travel credit cards are pretty rare. Why? Because the best travel cards come with premium benefits and steep price tags to match. However, that doesn’t mean a no fee travel card is impossible to find. Although you’re “sacrificing” the premium benefits that come with premium travel cards, no fee travel cards are still a great option for some. The best no fee travel card on the market right now is the CIBC Aventura Visa Card.

Get the details here:

See More Best No Fee Travel Credit Cards

Best Credit Card for Balance Transfer

Best Balance Transfer Credit Card for 2018 award seal

We also realize that it can be easy to fall behind and end up with credit card debt that we had no intention of racking up. If this is the case for you, a balance transfer credit card could help you dig out. Balance transfer credit cards allow you to take debt from one card and move it to another. Depending on what card you choose, you could end up with 6 to 10 months of low or 0% interest on those transfers. The top Balance Transfer card in Canada right now is the Canadian Western Bank Rewards Mastercard. It will give you 10 months of relief from high interest charges with 1.99% balance transfer interest – That’s 10 whole months of interest savings to try to get your credit card debt sorted out. (Not sure how balance transfer work? Read this blog post.)

Get the details here:

See More Best Balance Transfer Credit Cards

Best Aeroplan Credit Card

Best Aeroplan Credit Card for 2018 award seal

You may be surprised to see the #1 card in this category…especially since it doesn’t actually reward cardholders with Aeroplan miles directly ‒ yet the number one Aeroplan card in Canada right now, is the American Express Gold Rewards. Not only can you to transfer your points 1:1 to Aeroplan miles, but you also get a huge sign up bonus, flexible rewards that can be used for a number of different things, plus it’s parcelled with a comprehensive insurance package.

Get the details here:

See More Best Aeroplan Credit Cards

Best AIR MILES Credit Card

Best AIR MILES Credit Card for 2018 award seal

The BMO AIR MILES World Elite Mastercard is far and away the best AIR MILES credit card on the Canadian market right now – and for good reason. For starters, you get a sign up bonus that is enough for two short-haul flights. Then, for every purchase made, you get 1 Mile for every $10 spent. As if that wasn’t enough, concierge service, lounge access, and a 15% discount on AIR MILES flights are also included. Plus, this card will give you 14 out of 16 types of insurance – the most of any credit card on the market. You can even try this card out for free for a year to make sure you like it before committing long term.

Get the details here:

See More Best AIR MILES Credit Cards

Best Low Interest Credit Card

Best Low Interest Credit Card for 2018 award seal

We always suggest that cardholders pay their credit card off in full every month, but we also realize that sometimes life can get in the way and that it’s easier said than done. If you find yourself forgetting to pay your card off in full and you end up with interest charges, that 20% can be pretty frustrating. If you have a great credit score, the TD Emerald Flex Rate Visa is one to look at. You are given an interest rate based on your credit score and can be anywhere from 4.95% to 16.2%. However, if you don’t have the greatest credit score, then the , at a fixed rate of 8.99%, could be a better option.

Get the details here:

See More Best Low Interest Credit Cards

Best Credit Card for Insurance

Best Credit Card Travel Insurance in Canada for 2018 award seal

Insurance is one of those things that people may not realize their credit card even comes with, but it can be valuable. Depending on your card’s insurance coverage, you could gain extended warranty on all your purchases, Mobile Device protection, emergency medical, and even help if your flight or baggage gets delayed. In fact, credit cards can give you up to 16 types of travel and purchase insurance, and the card that comes with the best insurance is the Desjardins Odyssey World Elite Mastercard. Although it does not come with the most types of insurance (that claim to fame goes to the ), it does come out on top in many of those credit card insurance categories.

Get the details here:

See More Best Insurance Credit Cards

Best US Dollar Card

Best US Dollar Credit Card for 2018 award seal

If you travel to the United States a lot (whether for work or play) and you have a US Dollar bank account or income, a US Dollar credit card could make sense. US Dollar credit cards are based in US funds, and because of this, cardholders are not charged foreign currency transaction fees. What this also means, however, is that bill payments will need to be made in US funds. The RBC U.S. Dollar Visa Gold is the only Canadian issued US Dollar credit card that allows cardholders to earn rewards – and who doesn’t want to earn rewards on their purchases?

Get the details here:

See More Best US Dollar Credit Cards

Best Store Credit Card

Best Store Credit Card for 2018 award seal

Store credit cards are tricky, because you’re often tied to one store when it comes to redeeming your rewards. The Scotiabank GM Visa Infinite Card is great for anyone that doesn’t mind being tied to the car store and who needs to buy a vehicle in the next few years ‒ especially if you’re a GM fan. First year free, 8 types of insurance, and up to 5% towards your next GM vehicle – not bad for a store credit card.

Get the details here:

See More Best Store Credit Cards

Best Card for Foreign Exchange

Best Foreign Exchange Credit Card for 2018 award seal

No one wants to pay fees when they don’t need to, so credit cards with no foreign transaction fees are highly sought after. The bad news? These cards are few and far between. The newest no FX fee card to hit the Canadian market has landed in the number one spot – the Scotiabank Passport Visa Infinite Card. You skip that dreaded 2.5%, and get an average of 1.25% return on spending, a priority pass membership, a free supplementary card, 6 free lounge visits per year, and more.

Get the details here:

See More Best Foreign Exchange Credit Cards

Best Student Credit Card

Best student credit Card in Canada for 2018 award seal

If you’re a student, responsible use of credit cards can give you a good start on building your credit history and teaching yourself good spending habits. Sure, getting your first credit card can be stressful, maybe scary. The key is to spend within your means and pay off you balance in full and on time. The other thing is to research and compare your options. With no annual fee, 1% cash back, purchase insurance, plus discounts on lots of stores and restaurants ‒ BMO SPC CashBack Mastercard is at the top of our list.

Get the details here:

See More Best Student Credit Cards

Best Perks Credit Card

Best Perks Credit Card in Canada for 2018 award seal

Credit cards are not just about rewards, it’s just the tip of the iceberg ‒ many come with some drool-worthy perks. The top card in this category is the The Platinum Card which gives you unlimited lounge access, a dedicated concierge line, a $200 annual travel credit, VIP treatment at the Toronto Pearson airport, incredible perks at hundreds of hotels, and much more.

Get the details here:

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Best Flexible Credit Card

Best Flexible Credit Card in Canada for 2018 award seal

If you do not want to be tied down to one store or one type of reward redemption, “flexible rewards” credit cards fit the bill nicely. You get to be in charge and choose what to use your rewards on: travel, merchandise, cash back, investments, or even donations. At minimum, you won’t be boxed in with blackout dates and limited choice of airlines when redeeming for flights. The best card in Canada right now to give you that flexibility, is the Amex Cobalt. These rewards can be used for virtually anything. All you need to do is log into your mobile app and use your points to pay for the purchase you just made – easy peasy.

See More Best Flexible Credit Cards

People’s Choice

People’s Choice Credit Card for 2018 award seal

A company can make lots of claims about their cards, their customer service, and the ease of use of their rewards ‒ but where the rubber meets the road is when a customer receives their card and gets to try it out. You find out what a card is really like when you get to hear what real people have to say. So, an important category to add to our list this year is the new People’s Choice award. You voted with your credit card reviews and we listened. The claimed the victory, with the average user giving it a 4.5 out of 5 stars.

Read more about People’s Choice and why your review matters.

Best Rewards Credit Card

Best Rewards Credit Card for 2018 award seal

If cash back or travel rewards are all the same to you, you don’t care so much about annual fees, and what you’re really looking for is a whole lot of rewards ‒ then this award category is for you. If you’re looking for the card that will give you the biggest return on your spending, the is the one.

See More Best Rewards Credit Cards

Best Overall Credit Card

Best Credit Card in Canada for 2018 award seal

Curious what the best credit card in Canada is? We were too, so we took every aspect into consideration – all 50+ features, all 182 cards. And once again The Cobalt Card comes out on top. Considering this card is the #1 card in 3 other categories, this award is just the cherry on top. The Cobalt card has no minimum income requirement, an impressive sign up bonus, some of the highest earn rates in Canada (5x on food at groceries and restaurants), plus exclusive Cobalt Perks and all the other perks that come along with being an American Express cardholder.

See More Best Overall Credit Cards

There you have it…

18 of the best credit cards in Canada right now.

So…if you’re looking for a new credit card, this is the place to start.

Do you have a go-to credit card for 2018 that didn’t make our list?

Let us know in the comments below!