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🏆 Best Overall: Scotiabank Gold Amex
Highest first-year value of any Canadian no-fee-waived card right now — $650 in Scene+ points with grocery & dining multipliers.
Top Canadian Offers
💳
Credit Card
Scotiabank Gold American Express
Scotiabank · Scene+ Rewards
Earn 6× Scene+ points on groceries, 5× on dining & entertainment, 3× on gas. Welcome bonus worth up to $650 after $1,000 spend in first 3 months.
Up to $650 bonus
$120/yr fee
Editor's Top Pick
Affiliate pays
$150
per approval
✈️
Credit Card
TD First Class Travel Visa Infinite
TD Bank · TD Rewards
Up to 135,000 TD points as a welcome bonus (worth ~$675 in travel). 8 points per $1 on Expedia for TD, 6 on groceries. Priority Pass lounge access included.
Up to $675 bonus
$139/yr fee
Affiliate pays
$160
per approval
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Credit Card
American Express Cobalt Card
American Express Canada
Earn 5× points on food & drinks (restaurants, grocery, food delivery). Monthly welcome bonus of 2,500 points for 12 months = 30,000 total. No annual income requirement.
30,000 pts bonus
$155.88/yr fee
Best for Foodies
Affiliate pays
$130
per approval
🆓
Credit Card
Tangerine Money-Back Card
Tangerine Bank
Canada's best no-fee cashback card. 2% cashback in 2 categories of your choice (groceries, gas, restaurants, etc.), 0.5% on everything else. No annual fee ever.
No Annual Fee
$100 cashback offer
Affiliate pays
$75
per approval
💰
Cashback App
Rakuten Canada
Rakuten · 750+ Partner Stores
Shop online at Walmart, Hudson's Bay, Sport Chek, and 750+ Canadian stores and earn up to 15% cashback. Get a $30 welcome bonus after your first eligible purchase of $30+.
$30 welcome bonus
Free to join
Instant activation
Affiliate pays
$25
per signup
🟢
Cashback App
KOHO — Free Prepaid Visa
KOHO Financial
Canada's most popular prepaid Visa earns 1% cashback on groceries and restaurants, plus earn interest on your balance. Get a $20 bonus with our referral link.
$20 signup bonus
No monthly fee
Affiliate pays
$30
per signup
🏦
Bank Account
Simplii Financial No-Fee Chequing
CIBC / Simplii Financial
Earn up to $300 cash bonus when you open a no-fee chequing account and set up eligible direct deposits for 3 months. No monthly fees, no minimum balance ever.
Up to $300 bonus
No monthly fee
Limited time
Affiliate pays
$50
per account
🟡
Bank Account
EQ Bank Savings Plus Account
EQ Bank (Equitable Bank)
Canada's highest everyday interest rate — currently 3.75% on savings, no monthly fees, free Interac e-Transfers, and a $20 referral bonus for new accounts through our link.
$20 bonus + 3.75% interest
Zero fees
Affiliate pays
$40
per account
📈
Investing
Wealthsimple Trade + Invest
Wealthsimple Financial
Canada's #1 commission-free stock trading app. Open a TFSA, RRSP, or cash account and get $25 in stock rewards when you deposit $150 through our referral link.
$25 stock bonus
$0 commissions
Instant setup
Affiliate pays
$75
per funded account
🔵
Investing
Questrade Self-Directed TFSA/RRSP
Questrade Financial Group
Buy ETFs for free (no commissions). $50 in free trades when you fund your account with $1,000 using our promo code. Lowest-cost self-directed brokerage in Canada.
$50 in free trades
Free ETF buys
Affiliate pays
$80
per funded account
📊 Quick-Compare: Top Canadian Credit Cards 2025
| Card | Welcome Bonus | Annual Fee | Best Earn Rate | |
|---|---|---|---|---|
|
Scotiabank Gold Amex BEST
Scene+ Rewards
|
Up to $650 | $120/yr | 6× on groceries | Apply → |
|
Amex Cobalt Card
Amex Membership Rewards
|
30,000 pts (~$300) | $155.88/yr | 5× on food & drinks | Apply → |
|
TD First Class Visa Infinite
TD Rewards
|
Up to $675 travel | $139/yr | 8× on Expedia for TD | Apply → |
|
Tangerine Money-Back
Tangerine Bank
|
$100 cashback | No fee | 2% on 2 categories | Apply → |
|
RBC Avion Visa Infinite
RBC Rewards / Avion
|
Up to 55,000 pts | $120/yr | 1.25× on all purchases | Apply → |