Best for
Best Credit Card for Transit and Commuting in Canada (June 2026)
Transit passes, rideshare, and commuting. These cards earn the most on transit spending. 77 cards, ranked. Every figure cites the official issuer page. Updated 2026-06-20.
PC Insiders World Elite Mastercard
PC Financial
Welcome value
No current offer
Annual fee
$120
Purchase APR
21.99%
- Earn 70% on gas stations
- 6 insurance coverages
PC Insiders World Elite Mastercard
MASTERCARDThe rest of the ranking
23 more cards- 2
BMOWorld Elite
BMO CashBack World Elite Mastercard
Cash back on everyday spending
Welcome value
No current offer
Get up to $650 in value and the annual fees waived in the first year.
- Annual fee
- $139
- Purchase APR
- 21.99%
7.6Cited · verified 2026-06-13View → - 3
Canadian TireStandard
Triangle Mastercard
No annual fee rewards
Welcome value
No current offer
- Annual fee
- No fee
- Purchase APR
- —
7.4Cited · verified 2026-06-17View → - 4
Triangle World Mastercard
No annual fee rewards
Welcome value
No current offer
- Annual fee
- No fee
- Purchase APR
- —
7.4Cited · verified 2026-06-17View → - 5
TD Canada TrustInfinite
TD Cash Back Visa Infinite* Card
Cash back on everyday spending
Welcome value
No current offer
Earn up to $600 in total value - 10% Cash Back in first 3 months plus first-year annual fee rebate
- Annual fee
- $139
- Purchase APR
- 21.99%
7.0Cited · verified 2026-06-13View → - 6
CIBCWorld Mastercard
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 → - 7
RBC Royal Bank
RBC Business Cash Back Mastercard
For business spending
Welcome value
No current offer
2% cash back on purchases in the first three months
- Annual fee
- No fee
- Purchase APR
- 19.99%
6.9Cited · verified 2026-06-13View → - 8
Rogers Bank
Rogers Red 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 → - 9
Rogers Red World Elite Mastercard
Cash back on everyday spending
Welcome value
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.3Cited · verified 2026-06-13View → - 10
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 → - 11
Scotiabank
Scotia Momentum Visa Card
Cash back on everyday spending
Welcome value
No current offer
- Annual fee
- $49
- Purchase APR
- 20.99%
6.9Cited · verified 2026-06-13View → - 12
Scotia Momentum Visa Infinite Card
Cash back on everyday spending
Welcome value
No current offer
Offer until Nov 115% cash back on first $2,000 in everyday purchases (first 3 months) + first year annual fee waived
- Annual fee
- $120
- Purchase APR
- 20.99%
7.6Cited · verified 2026-06-13View → - 13
American Express
SimplyCash® Preferred Card from American Express
Cash back on everyday spending
Welcome value
No current offer
Earn up to $200 in bonus cash back
- Annual fee
- $119.88
- Purchase APR
- 21.99%
7.3Cited · verified 2026-06-13View → - 14
TD Business Cash Back Visa Card
For business spending
Welcome value
No current offer
- Annual fee
- No fee
- Purchase APR
- 19.99%
6.9Cited · verified 2026-06-13View → - 15
WealthsimpleVisa Infinite Privilege
Wealthsimple Credit Card
Great for travel abroad
Welcome value
No current offer
- Annual fee
- $240
- Purchase APR
- 20.99%
7.1Cited · verified 2026-06-13View → - 16
RBC Cash Back Preferred World Elite Mastercard
Cash back on everyday spending
Welcome value
No current offer
Receive 10.5% bonus cash back plus 1.5% standard cash back on qualifying transactions
- Annual fee
- $99
- Purchase APR
- 20.99%
6.7Cited · verified 2026-06-13View → - 17
SimplyCash® Card from American Express
Cash back on everyday spending
Welcome value
No current offer
Earn up to $100 in bonus cash back
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.9Cited · verified 2026-06-13View → - 18
MBNAStandard
Amazon.ca Rewards Mastercard
No annual fee rewards
Welcome value
No current offer
Get 5% back at Amazon.ca, Whole Foods Market, grocery stores and restaurants for the first 6 months
- Annual fee
- No fee
- Purchase APR
- 21.74%
7.1Cited · verified 2026-06-17View → - 19
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 → - 20
CIBC Dividend Visa Infinite 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
- $120
- Purchase APR
- —
7.4Cited · verified 2026-06-13View → - 21
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%
7.0Cited · verified 2026-06-17View → - 22
Neo FinancialWorld Elite
Neo World Elite Mastercard
Cash back on everyday spending
Welcome value
No current offer
- Annual fee
- $149
- Purchase APR
- 19.99%
7.6Cited · verified 2026-06-13View → - 23
PC Financial
PC 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%
7.3Cited · verified 2026-06-13View → - 24
PC World Elite Mastercard
No annual fee rewards
Welcome value
No current offer
Enjoy 50,000 bonus PC Optimum™ points
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.7Cited · verified 2026-06-13View →
Frequently asked
- What is the best credit card for Transit and Commuting in Canada?
- Based on the earn rate that applies at Transit and Commuting, the PC Insiders World Elite Mastercard from PC Financial currently leads, with a $120 annual fee and 21.99% purchase APR. Rankings update daily.
- How are these cards ranked?
- We rank by the best earn rate each card delivers at Transit and Commuting, expressed in cents per dollar so cash back and points compare fairly. Every figure is pulled from the official issuer page, never an affiliate feed.
- How current is this information?
- Fees, rates, and offers are checked regularly against the official issuer pages. This page was last updated 2026-06-20. Always confirm details on the issuer's site before applying.
Best cards for other places
Ranked by value, never payouts
Not sure which one is right for you?
Answer a few questions and we will match you to the cards built for how you actually spend.