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Canada's highest-rated credit cards (July 2026)

Every card ranked by the Canada Cards Score, our transparent 0-10 rating built only from figures sourced on official issuer pages. 131 cards, one ranking. Updated 2026-07-29.

The Canada Cards Score blends everyday earn rate, welcome value, annual-fee value, benefits depth, and interest cost into a single 0-10 number. It is our editorial assessment, never an issuer claim or a sponsored placement. See the full methodology.

  1. 1
    American ExpressAmerican Express Business Gold Rewards Card
    8.7Excellent
  2. 2
    CIBCCIBC Aeroplan Visa Business Card
    8.6Excellent
  3. 3
    TD Canada TrustTD Aeroplan Visa Business Card
    8.6Excellent
  4. 4
    American ExpressThe American Express® Aeroplan®* Reserve Card
    8.5Excellent
  5. 5
    American ExpressAmerican Express Aeroplan Business Reserve Card
    8.4Excellent
  6. 6
    American ExpressAmerican Express® Gold Rewards Card
    8.4Excellent
  7. 7
    ScotiabankScotiabank Platinum American Express Card
    8.4Excellent
  8. 8
    ScotiabankScotiabank Gold American Express Card
    8.3Excellent
  9. 9
    TD Canada TrustTD Business Travel Visa Card
    8.3Excellent
  10. 10
    American ExpressAmerican Express® Aeroplan®* Card
    8.2Excellent
  11. 11
    RBC Royal BankRBC Avion Visa Infinite
    8.1Excellent
  12. 12
    ScotiabankScotiabank Passport Visa Infinite Card
    8.1Excellent
  13. 13
    TD Canada TrustTD® Aeroplan® Visa Infinite Privilege* Card
    8.1Excellent
  14. 14
    American ExpressThe Platinum Card®
    8.1Excellent
  15. 15
    RBC Royal BankMore Rewards RBC Visa Infinite
    8.0Excellent
  16. 16
    RBC Royal BankRBC ION+ Visa
    8.0Excellent
  17. 17
    RBC Royal BankMore Rewards RBC Visa
    7.9Very good
  18. 18
    PC FinancialPC Insiders World Elite Mastercard
    7.9Very good
  19. 19
    RBC Royal BankRBC Avion Visa Infinite Privilege
    7.9Very good
  20. 20
    RBC Royal BankRBC Visa Platinum Avion
    7.9Very good
  21. 21
    TD Canada TrustTD® First Class Travel® Visa Infinite* Card
    7.9Very good
  22. 22
    American ExpressThe American Express® Cobalt® Card
    7.9Very good
  23. 23
    TD Canada TrustTD® Aeroplan® Visa Infinite* Card
    7.8Very good
  24. 24
    BMOBMO CashBack World Elite Mastercard
    7.6Very good
  25. 25
    Neo FinancialNeo World Elite Mastercard
    7.6Very good
  26. 26
    RBC Royal BankRBC British Airways Visa Infinite
    7.6Very good
  27. 27
    ScotiabankScotia Momentum Visa Infinite Card
    7.6Very good
  28. 28
    ScotiabankScotiabank Passport Visa Infinite Privilege Card
    7.6Very good
  29. 29
    American ExpressBusiness Platinum Card from American Express
    7.4Very good
  30. 30
    CIBCCIBC Dividend Visa Infinite Card
    7.4Very good
  31. 31
    RBC Royal BankRBC ION Visa
    7.4Very good
  32. 32
    RBC Royal BankWestJet RBC World Elite Mastercard for Business
    7.4Very good
  33. 33
    BMOBMO CashBack Mastercard
    7.3Very good
  34. 34
    Rogers BankRogers Red World Elite Mastercard
    7.3Very good
  35. 35
    American ExpressSimplyCash® Preferred Card from American Express
    7.3Very good
  36. 36
    CIBCCIBC Aeroplan Visa Infinite Privilege Card
    7.2Very good
  37. 37
    CIBCCIBC Costco Mastercard (Costco World Mastercard)
    7.2Very good
  38. 38
    ScotiabankScotiabank American Express Card
    7.2Very good
  39. 39
    TD Canada TrustTD® Platinum Travel Visa* Card
    7.2Very good
  40. 40
    RBC Royal BankWestJet RBC World Elite Mastercard
    7.2Very good
  41. 41
    CIBCCIBC Aeroplan Visa Infinite Card
    7.1Very good
  42. 42
    CIBCCIBC Dividend Platinum Visa Card
    7.1Very good
  43. 43
    ScotiabankScotia Momentum for Business Visa Card
    7.1Very good
  44. 44
    TangerineTangerine Rewards World Elite Mastercard
    7.1Very good
  45. 45
    TD Canada TrustTD® Aeroplan® Visa Platinum* Card
    7.1Very good
  46. 46
    WealthsimpleWealthsimple Credit Card
    7.1Very good
  47. 47
    American ExpressAmerican Express® Green Card
    7.0Very good
  48. 48
    RBC Royal BankRBC Cash Back Mastercard
    7.0Very good
  49. 49
    Rogers BankRogers Red Mastercard
    7.0Very good
  50. 50
    Rogers BankRogers Red World Mastercard
    7.0Very good
  51. 51
    TD Canada TrustTD Cash Back Visa Infinite* Card
    7.0Very good
  52. 52
    TD Canada TrustTD Rewards Visa* Card
    7.0Very good
  53. 53
    RBC Royal Bankmoi RBC Visa
    6.9Good
  54. 54
    National Bankmycredit Mastercard
    6.9Good
  55. 55
    Neo FinancialNeo World Mastercard
    6.9Good
  56. 56
    RBC Royal BankRBC Business Cash Back Mastercard
    6.9Good
  57. 57
    ScotiabankScotia Momentum Visa Card
    6.9Good
  58. 58
    ScotiabankScotiabank Scene+ Visa Card
    6.9Good
  59. 59
    American ExpressSimplyCash® Card from American Express
    6.9Good
  60. 60
    TangerineTangerine Money-Back Credit Card
    6.9Good
  61. 61
    TangerineTangerine Money-Back World Mastercard
    6.9Good
  62. 62
    TD Canada TrustTD Business Cash Back Visa Card
    6.9Good
  63. 63
    RBC Royal BankRBC U.S. Dollar Visa Gold
    6.8Good
  64. 64
    RBC Royal BankWestJet RBC Mastercard
    6.8Good
  65. 65
    Neo FinancialNeo Mastercard
    6.7Good
  66. 66
    PC FinancialPC World Elite Mastercard
    6.7Good
  67. 67
    RBC Royal BankRBC Cash Back Preferred World Elite Mastercard
    6.7Good
  68. 68
    ScotiabankScotia Momentum Mastercard
    6.7Good
  69. 69
    ScotiabankScotia Momentum No-Fee Visa Card
    6.7Good
  70. 70
    TD Canada TrustTD Business Select Rate Visa Card
    6.7Good
  71. 71
    National BankAllure Mastercard
    6.6Good
  72. 72
    American ExpressAmerican Express Business Edge Card
    6.6Good
  73. 73
    American ExpressAmerican Express EssentialTM Credit Card
    6.6Good
  74. 74
    BrimBrim Mastercard
    6.6Good
  75. 75
    MBNAMBNA True Line Gold Mastercard
    6.6Good
  76. 76
    MBNAMBNA True Line Mastercard
    6.6Good
  77. 77
    National BankNational Bank Platinum Mastercard
    6.6Good
  78. 78
    PC FinancialPC Mastercard
    6.6Good
  79. 79
    PC FinancialPC World Mastercard
    6.6Good
  80. 80
    TD Canada TrustTD Cash Back Visa* Card
    6.6Good
  81. 81
    TD Canada TrustTD Low Rate Visa* Card
    6.6Good
  82. 82
    Canadian TireTriangle World Elite Mastercard
    6.6Good
  83. 83
    National BankWorld Mastercard
    6.6Good
  84. 84
    MBNAAmazon.ca Rewards Mastercard
    6.5Good
  85. 85
    BMOBMO Ascend Business Mastercard
    6.5Good
  86. 86
    BMOBMO eclipse rise Visa
    6.5Good
  87. 87
    BMOBMO Preferred Rate Mastercard
    6.5Good
  88. 88
    BrimBrim World Elite Mastercard
    6.5Good
  89. 89
    MBNAMBNA Rewards Platinum Plus Mastercard
    6.5Good
  90. 90
    MBNAMBNA Smart Cash Platinum Plus Mastercard
    6.5Good
  91. 91
    RBC Royal BankRBC RateAdvantage Visa
    6.5Good
  92. 92
    RBC Royal BankRBC Visa Classic Low Rate
    6.5Good
  93. 93
    RBC Royal BankRBC Visa Platinum (No Annual Fee)
    6.5Good
  94. 94
    Simplii FinancialSimplii Cash Back Visa
    6.5Good
  95. 95
    Walmart Rewards (Fairstone)Walmart Rewards Mastercard
    6.5Good
  96. 96
    BMOBMO Air Miles World Elite Mastercard
    6.4Good
  97. 97
    BMOBMO Blue Rewards Business Mastercard
    6.4Good
  98. 98
    BMOBMO CashBack Business Mastercard
    6.4Good
  99. 99
    BMOBMO eclipse Visa Infinite
    6.4Good
  100. 100
    CIBCCIBC Adapta Mastercard
    6.4Good
  101. 101
    CIBCCIBC Aventura Visa Card
    6.4Good
  102. 102
    CIBCCIBC bizline Visa Card for Business
    6.4Good
  103. 103
    CIBCCIBC CashBack Visa Card for Business
    6.4Good
  104. 104
    CIBCCIBC Classic Visa Card
    6.4Good
  105. 105
    CIBCCIBC Corporate Classic Plus Visa Card for Business
    6.4Good
  106. 106
    CIBCCIBC Select Visa Card
    6.4Good
  107. 107
    RBC Royal BankRBC Visa CreditLine for Small Business
    6.4Good
  108. 108
    ScotiabankScotiabank Value Visa Card
    6.4Good
  109. 109
    Simplii FinancialSimplii Visa
    6.4Good
  110. 110
    TD Canada TrustTD Green Visa* Card
    6.4Good
  111. 111
    Canadian TireTriangle Mastercard
    6.4Good
  112. 112
    Canadian TireTriangle World Mastercard
    6.4Good
  113. 113
    RBC Royal BankRBC Visa Business
    6.3Good
  114. 114
    MBNAMBNA Smart Cash World Mastercard
    6.2Good
  115. 115
    ScotiabankScotiabank U.S. Dollar Visa Card
    6.2Good
  116. 116
    TD Canada TrustTD Emerald Flex Rate Visa* Card
    6.2Good
  117. 117
    Neo FinancialUnited MileagePlus Neo World Elite Mastercard
    6.2Good
  118. 118
    MBNAMBNA Rewards World Elite Mastercard
    6.1Good
  119. 119
    National BankNational Bank World Elite Mastercard
    6.1Good
  120. 120
    TD Canada TrustTD® U.S. Dollar Visa* Card
    6.1Good
  121. 121
    BMOBMO Ascend World Elite Mastercard
    6.0Good
  122. 122
    ScotiabankScotiabank Passport Visa Infinite Business Card
    6.0Good
  123. 123
    CIBCCIBC Aventura Gold Visa Card
    5.9Fair
  124. 124
    CIBCCIBC Aventura Visa Card for Business
    5.9Fair
  125. 125
    CIBCCIBC Aventura Visa Infinite Card
    5.9Fair
  126. 126
    American ExpressMarriott Bonvoy® American Express®* Card
    5.9Fair
  127. 127
    RBC Royal BankRBC Avion Visa Business
    5.9Fair
  128. 128
    BMOBMO Ascend World Elite Business Mastercard
    5.8Fair
  129. 129
    BMOBMO Blue Rewards World Elite Business Mastercard
    5.8Fair
  130. 130
    Neo FinancialCathay World Elite Mastercard
    5.8Fair
  131. 131
    American ExpressMarriott Bonvoy Business American Express Card
    5.8Fair

Scores are recomputed every refresh from the latest sourced figures. Estimated welcome values use mid-market point valuations and are not issuer-guaranteed. Always confirm details on the issuer page before applying. Nothing here is financial advice.

Rated by value, never payouts

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