Coverage finder
Credit cards with purchase protection in Canada
Cards that insure new purchases against theft or damage. 43 cards, ranked by value. Every benefit cites the official issuer page. Updated 2026-06-20.
Most Canadian rewards credit cards include purchase protection (also called purchase security or assurance), which can repair, replace, or reimburse eligible items that are lost, stolen, or damaged within a window after purchase (commonly 90 days). The cards below list purchase security or assurance coverage from the issuer.
- 1
RBC Royal BankInfinite
More Rewards RBC Visa Infinite
No annual fee rewards
Welcome value
~$200
Welcome More Rewards points 20,000
- Annual fee
- No fee
- Purchase APR
- 20.99%
8.0Cited · verified 2026-06-13View → - 2
More Rewards RBC Visa
No annual fee rewards
Welcome value
~$200
Welcome More Rewards points 20,000
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.9Cited · verified 2026-06-13View → - 3
National BankWorld Elite
National Bank World Elite Mastercard
Everyday rewards
Welcome value
35k pts
Offer ends Jun 29Get up to $1,052 in benefits and rewards for the first year
- Annual fee
- $150
- Purchase APR
- 22.49%
7.9Cited · verified 2026-06-17View → - 4
PC FinancialWorld Elite
PC Insiders World Elite Mastercard
Everyday rewards
Welcome value
No current offer
First Year Annual Fee Waived and 50,000 bonus PC Optimum™ points*
- Annual fee
- $120
- Purchase APR
- 21.99%
7.9Cited · verified 2026-06-13View → - 5
BMO
BMO eclipse rise Visa
No annual fee rewards
Welcome value
No current offer
25,000 bonus points for you
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.8Cited · verified 2026-06-13View → - 6
Canadian TireWorld Elite
Triangle World Elite Mastercard
No annual fee rewards
Welcome value
No current offer
- Annual fee
- No fee
- Purchase APR
- —
7.8Cited · verified 2026-06-17View → - 7
RBC Avion Visa Infinite
Travel points & miles
Welcome value
~$1400
Get 35,000 Avion Points on approval, 20,000 bonus points when you spend $5,000 in your first 6 months, plus 15,000 one-time anniversary bonus points
- Annual fee
- $120
- Purchase APR
- 20.99%
7.7Cited · verified 2026-06-13View → - 8
RBC ION+ Visa
Travel points & miles
Welcome value
~$280
Get 14,000 Avion points upon approval - that's $100 of value in gift cards
- Annual fee
- $48
- Purchase APR
- 20.99%
7.5Cited · verified 2026-06-13View → - 9
RBC Visa Platinum Avion
Travel points & miles
Welcome value
~$1400
Get 35,000 Avion Points on approval, 20,000 bonus points when you spend $5,000 in your first 6 months, plus 15,000 one-time anniversary bonus points
- Annual fee
- $120
- Purchase APR
- 20.99%
7.5Cited · verified 2026-06-13View → - 10
Simplii Financial
Simplii Cash Back Visa
No annual fee rewards
Welcome value
No current offer
Earn up to 20% cash back
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.5Cited · verified 2026-06-13View → - 11
CIBCInfinite
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 → - 12
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%
7.4Cited · verified 2026-06-13View → - 13
RBC Avion Visa Infinite Privilege
Travel points & miles
Welcome value
~$2000
Get 35,000 Avion Points on approval, 20,000 bonus points when you spend $5,000 in your first 6 months, plus 45,000 one-time anniversary bonus points
- Annual fee
- $399
- Purchase APR
- 20.99%
7.4Cited · verified 2026-06-13View → - 14
BMO CashBack Mastercard
Cash back on everyday spending
Welcome value
No current offer
Get up to 5% cash back in your first 3 months
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.3Cited · verified 2026-06-13View → - 15
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 → - 16
Rogers BankWorld Elite Mastercard
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 → - 17
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 → - 18
BrimWorld Elite
Brim World Elite Mastercard
Everyday rewards
Welcome value
No current offer
Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants
- Annual fee
- $89
- Purchase APR
- —
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
National Bank Platinum Mastercard
Everyday rewards
Welcome value
25k pts
Up to 25,000 rewards points upon enrollment
- Annual fee
- —
- Purchase APR
- 20.99%
7.1Cited · verified 2026-06-17View → - 21
TangerineWorld Elite
Tangerine Rewards World Elite Mastercard
Everyday rewards
Welcome value
~$300
Offer until Oct 30Get a hold of your rewards with up to $600 in value; earn 30,000 bonus Scene+ points
- Annual fee
- $120
- Purchase APR
- 20.95%
7.1Cited · verified 2026-06-13View → - 22
WealthsimpleInfinite 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 → - 23
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%
7.0Cited · verified 2026-06-17View → - 24
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%
7.0Cited · verified 2026-06-17View → - 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%
7.0Cited · verified 2026-06-17View → - 26
moi RBC Visa
No annual fee rewards
Welcome value
~$40
Offer until Jan 20Get up to 5,000 bonus Moi points (a value of $40) by January 20, 2027
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.0Cited · verified 2026-06-13View → - 27
RBC Cash Back Mastercard
Cash back on everyday spending
Welcome value
No current offer
Offer until Sep 9Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.0Cited · verified 2026-06-13View → - 28
RBC ION Visa
Travel points & miles
Welcome value
~$140
Get 7,000 Avion points upon approval - that's $50 of value in gift cards
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.0Cited · verified 2026-06-13View → - 29
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 → - 30
mycredit Mastercard
Cash back on everyday spending
Welcome value
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.9Cited · verified 2026-06-17View → - 31
Brim Mastercard
No annual fee rewards
Welcome value
No current offer
Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants
- Annual fee
- No fee
- Purchase APR
- —
6.8Cited · verified 2026-06-17View → - 32
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
- —
6.8Cited · verified 2026-06-13View → - 33
CIBC Aventura Visa Infinite 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
- 21.99%
6.8Cited · verified 2026-06-13View → - 34
Allure Mastercard
No annual fee rewards
Welcome value
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.7Cited · verified 2026-06-17View → - 35
CIBC Aventura Visa Card
No annual fee rewards
Welcome value
13k pts
Earn up to 12,500 Aventura Points (up to $125 in travel value) for no annual fee
- Annual fee
- No fee
- Purchase APR
- —
6.7Cited · verified 2026-06-13View → - 36
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 → - 37
CIBC Aeroplan Visa Infinite Card
Travel points & miles
Welcome value
No current offer
- Annual fee
- $139
- Purchase APR
- 21.99%
6.6Cited · verified 2026-06-13View → - 38
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 → - 39
BMO Preferred Rate Mastercard
Low interest for carrying a balance
Welcome value
No current offer
Get a 0% introductory interest rate on Balance Transfers for 18 months
- Annual fee
- $29
- Purchase APR
- 13.99%
6.5Cited · verified 2026-06-13View → - 40
CIBC Aeroplan Visa Infinite Privilege Card
Travel points & miles
Welcome value
No current offer
- Annual fee
- $599
- Purchase APR
- 21.99%
6.5Cited · verified 2026-06-13View → - 41
RBC RateAdvantage Visa
No annual fee rewards
Welcome value
No current offer
- Annual fee
- No fee
- Purchase APR
- —
6.5Cited · verified 2026-06-13View → - 42
RBC Visa Classic Low Rate
Low interest for carrying a balance
Welcome value
No current offer
Offer Available: $20 Annual Fee Waiver
- Annual fee
- $20
- Purchase APR
- 12.99%
6.5Cited · verified 2026-06-13View → - 43
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 →
Frequently asked
- Which Canadian credit cards include purchase protection?
- We track 43 cards that list purchase protection. By our value ranking the More Rewards RBC Visa Infinite from RBC Royal Bank leads, with a No fee annual fee. Coverage terms vary, so read the issuer's certificate of insurance.
- Is the coverage guaranteed?
- No. Credit card insurance is conditional and governed by a certificate of insurance with limits, exclusions, and eligibility rules. We list which cards advertise the benefit; always confirm the current terms on the issuer's page before relying on it. Nothing here is financial advice.
- How current is this list?
- Benefits are checked against official issuer pages and were last refreshed 2026-06-20.
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