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Best Credit Cards in Canada 2026
Enter your monthly spending to find which card earns you the most
0 cards · sorted by value for your spending
Disclaimer:Credit card information is updated weekly but may not reflect the most current offers. Always verify rates and bonuses on the card issuer's website before applying. Cashsembly may receive compensation when you apply through our links. Rankings are based solely on calculated value for your spending inputs.
Frequently Asked Questions
What is the best credit card in Canada for 2026?
The best card depends on your spending. The Amex Cobalt is rated #1 overall for dining and groceries (5x points). For cash back, CIBC Dividend Visa Infinite offers 4% on gas and groceries. Use our personal calculator above to see which card earns you the most.
Which credit card gives the most cash back in Canada?
CIBC Dividend Visa Infinite offers 4% on gas and groceries. The Tangerine Money-Back Card is the best no-fee option with 2% in your choice of categories. Our calculator ranks cards by your actual annual earnings.
What is the best travel credit card in Canada?
The Scotiabank Gold Amex is the top travel card for 2026 — no foreign transaction fee, 6x points on dining, and comprehensive insurance. Scotiabank Passport Visa Infinite adds airport lounge access.
What credit card should a newcomer to Canada get?
The BMO CashBack Mastercard is top-rated for newcomers — no Canadian credit history required, no annual fee, 3% on groceries. The Secured Neo Mastercard is ideal for building credit with just a $50 deposit.
Should I get a cash back or travel rewards card?
Cash back is simpler — money back with no redemption complexity. Travel cards offer higher value if you fly 2+ times per year. Enter your spending above and our calculator shows which type earns you more.