What is the best credit card for a $40,000 income in Canada?

Based on our value ranking, the Tangerine Money-Back Credit Card from Tangerine leads for this income bracket with a No fee annual fee and 20.95% 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.

Ranked by value

Credit Cards for $40,000 Income in Canada (July 2026)

3 cards for this income bracket, ranked. Every figure cites the official issuer page. Updated 2026-07-29.

The best credit card for a $40,000 income in Canada right now is the Tangerine Money-Back Credit Card from Tangerine, leading our ranking of 3 cards with a No fee annual fee and 20.95% purchase APR. We rank by the Canada Cards Score, with every figure sourced from official issuer pages and refreshed 2026-07-29.

0Cards ranked

0%Sourced figures

07-29Last updated

$0Affiliate bias

1Top pick · $40,000 income card

Tangerine Money-Back Credit Card

Tangerine

Welcome value

No current offer

Annual fee

No fee

Purchase APR

20.95%

No annual fee
Earn 2% on up to 3 categories of your choice (with a linked savings account)

See full breakdown

Source: Tangerine·verified 2026-06-13

TangerineStandard

••••••••••••9715

Tangerine Money-Back Credit Card

MASTERCARD

All cards for this income

2 more cards

Frequently asked

What is the best credit card for a $40,000 income in Canada?: Based on our value ranking, the Tangerine Money-Back Credit Card from Tangerine leads for this income bracket with a No fee annual fee and 20.95% 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.