Ranked by value
Best Credit Cards for Good Credit in Canada (July 2026)
27 cards matched to this credit profile. Every figure cites the official issuer page. Updated 2026-07-29.
The best card for good credit in Canada right now is the American Express Business Gold Rewards Card from American Express, leading our value ranking of 27 cards with a $199 annual fee and — purchase APR. We rank by the Canada Cards Score, with every figure sourced from official issuer pages and refreshed 2026-07-29.
American Express Business Gold Rewards Card
American Express
Welcome value
~$1400
Annual fee
$199
Purchase APR
—
- Big welcome bonus worth ~$1400
- Bonus covers 7× the annual fee
- Earn 10000x on quarterly bonus
American Express Business Gold Rewards Card
AMERICAN EXPRESSWelcome value, at a glance
Estimated CADMid-market point valuations, used only to compare cards. Not issuer-guaranteed. Confirm offers on the issuer page.
The rest of the ranking
26 more cards- 2
CIBC
CIBC Aeroplan Visa Business Card
For business spending
Welcome value
~$1575
Apply and earn up to $2,500 in value, which includes up to 75,000 Aeroplan points
- Annual fee
- $180
- Purchase APR
- 12.99%
8.6Cited · verified 2026-06-13View → - 3
TD Canada Trust
TD Aeroplan Visa Business Card
For business spending
Welcome value
~$1260
Up to $1,900 in value including up to 60,000 Aeroplan points and first-year annual fee rebate
- Annual fee
- $149
- Purchase APR
- 14.99%
8.6Cited · verified 2026-06-13View → - 4
American Express
American Express Aeroplan Business Reserve Card
For business spending
Welcome value
~$2520
Earn up to 120,000 Welcome Bonus Aeroplan points
- Annual fee
- $599
- Purchase APR
- 21.99%
8.4Cited · verified 2026-06-13View → - 5
American Express® Gold Rewards Card
Everyday rewards
Welcome value
~$1200
Earn up to 60,000 Membership Rewards points in your first year
- Annual fee
- $250
- Purchase APR
- 21.99%
8.4Cited · verified 2026-06-13View → - 6
Scotiabank
Scotiabank Gold American Express Card
Great for travel abroad
Welcome value
~$450
Earn up to 45,000 bonus Scene+ points ($450 in travel rewards)
- Annual fee
- $120
- Purchase APR
- 21.99%
8.3Cited · verified 2026-06-13View → - 7
The American Express® Cobalt® Card
Everyday rewards
Welcome value
~$300
Earn up to 15,000 Membership Rewards points in your first year
- Annual fee
- $191.88
- Purchase APR
- 21.99%
7.9Cited · verified 2026-06-13View → - 8
Business Platinum Card from American Express
For business spending
Welcome value
~$1000
Earn up to 50,000 Membership Rewards points
- Annual fee
- $799
- Purchase APR
- —
7.4Cited · verified 2026-06-13View → - 9
CIBC Costco Mastercard (Costco World Mastercard)
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 21.75%
7.2Cited · verified 2026-06-13View → - 10
TD® Platinum Travel Visa* Card
Everyday rewards
Welcome value
~$250
Up to $370 in value including up to 50,000 TD Rewards Points plus first-year annual fee rebate
- Annual fee
- $89
- Purchase APR
- 21.99%
7.2Cited · verified 2026-06-13View → - 11
CIBC Dividend Platinum Visa Card
Cash back on everyday spending
Welcome value
—
No current offer
10% cash back welcome bonus up to $200 plus $50 pre-authorized payment bonus
- Annual fee
- $99
- Purchase APR
- 21.99%
7.1Cited · verified 2026-06-13View → - 12
TD® Aeroplan® Visa Platinum* Card
Travel points & miles
Welcome value
~$420
Welcome bonus up to 20,000 Aeroplan points
- Annual fee
- $89
- Purchase APR
- 21.99%
7.1Cited · verified 2026-06-13View → - 13
Rogers BankWorld Mastercard
Rogers Red World Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.0Cited · verified 2026-06-13View → - 14
Neo FinancialWorld
Neo World Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 19.99%
6.9Cited · verified 2026-06-13View → - 15
TangerineWorld
Tangerine Money-Back World Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
Get $100 with a Money-Back World Mastercard
- Annual fee
- No fee
- Purchase APR
- 20.95%
6.9Cited · verified 2026-06-13View → - 16
RBC Royal BankGold
RBC U.S. Dollar Visa Gold
Travel points & miles
Welcome value
—
No current offer
Offer available
- Annual fee
- $65
- Purchase APR
- 20.99%
6.8Cited · verified 2026-06-13View → - 17
MBNAGold
MBNA True Line Gold Mastercard
Low interest for carrying a balance
Welcome value
—
No current offer
- Annual fee
- $39
- Purchase APR
- 10.99%
6.6Cited · verified 2026-06-17View → - 18
PC FinancialWorld
PC World Mastercard
No annual fee rewards
Welcome value
—
No current offer
Earn 50,000 bonus PC Optimum™ Points
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.6Cited · verified 2026-06-13View → - 19
National BankWorld
World Mastercard
Everyday rewards
Welcome value
—
No current offer
- Annual fee
- —
- Purchase APR
- —
6.6Cited · verified 2026-06-17View → - 20
MBNA Rewards Platinum Plus Mastercard
No annual fee rewards
Welcome value
10k pts
Earn up to 10,000 bonus MBNA Rewards Points ($50 in cash back value)
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.5Cited · verified 2026-06-17View → - 21
MBNA Smart Cash Platinum Plus Mastercard
No annual fee rewards
Welcome value
—
No current offer
Earn 5% Cash Back on gas and groceries for the first 6 months
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.5Cited · verified 2026-06-17View → - 22
RBC Visa Platinum (No Annual Fee)
No annual fee rewards
Welcome value
—
No current offer
Offer available
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.5Cited · verified 2026-06-13View → - 23
BMOWorld Elite
BMO Air Miles World Elite Mastercard
Everyday rewards
Welcome value
—
No current offer
- Annual fee
- —
- Purchase APR
- —
6.4Cited · verified 2026-06-13View → - 24
BMO eclipse Visa Infinite
Everyday rewards
Welcome value
—
No current offer
- Annual fee
- —
- Purchase APR
- —
6.4Cited · verified 2026-06-13View → - 25
MBNA Smart Cash World Mastercard
Everyday rewards
Welcome value
—
No current offer
Earn 5% Cash Back on gas and groceries for the first 6 months
- Annual fee
- $39
- Purchase APR
- 21.99%
6.2Cited · verified 2026-06-17View → - 26
CIBC Aventura Gold Visa Card
Everyday rewards
Welcome value
60k pts
Earn up to 60,000 Aventura Points (up to $1,200 in travel value) plus annual fee rebate
- Annual fee
- $139
- Purchase APR
- —
5.9Cited · verified 2026-06-13View → - 27
Marriott Bonvoy Business American Express Card
For business spending
Welcome value
80k pts
Earn up to 80,000 Marriott Bonvoy points
- Annual fee
- $150
- Purchase APR
- 21.99%
5.8Cited · verified 2026-06-13View →
Frequently asked
- What is the best credit card for good credit in Canada?
- Based on our value ranking, the American Express Business Gold Rewards Card from American Express leads this tier with a $199 annual fee and — purchase APR. Rankings update daily.
- How are these cards ranked?
- We rank by the Canada Cards Score, computed from everyday earn rate, welcome value, annual-fee value, benefits depth, and interest cost. Every figure is pulled from the official issuer page.
- How current is this information?
- Fees, rates, and offers are checked regularly against the official issuer pages. This page was last updated 2026-07-29. Always confirm details on the issuer's site before applying.
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