Ranked by value
Mastercard Credit Cards in Canada (July 2026)
52 Mastercard cards, ranked. Every figure cites the official issuer page. Updated 2026-07-29.
The best Mastercard credit card in Canada right now is the PC Insiders World Elite Mastercard from PC Financial, leading our ranking of 52 cards with a $120 annual fee and 21.99% purchase APR. We rank by the Canada Cards Score, with every figure sourced from official issuer pages and refreshed 2026-07-29.
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
MASTERCARDWelcome value, at a glance
Estimated CADMid-market point valuations, used only to compare cards. Not issuer-guaranteed. Confirm offers on the issuer page.
All Mastercard cards
51 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
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 → - 4
RBC Royal BankWorld Elite
WestJet RBC World Elite Mastercard for Business
For business spending
Welcome value
~$450
45,000 welcome WestJet points after your first purchase
- Annual fee
- $175
- Purchase APR
- 19.99%
7.4Cited · verified 2026-06-13View → - 5
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 → - 6
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 → - 7
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 → - 8
WestJet RBC World Elite Mastercard
Travel points & miles
Welcome value
~$450
Get up to 45,000 WestJet points, a value of up to $450 off travel
- Annual fee
- $139
- Purchase APR
- 20.99%
7.2Cited · verified 2026-06-13View → - 9
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 → - 10
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 → - 11
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 → - 12
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 → - 13
National BankStandard
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 → - 14
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
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 → - 16
Tangerine Money-Back Credit Card
Cash back on everyday spending
Welcome value
—
No current offer
Earn 10% cash back for 2 months (Up to $100)
- Annual fee
- No fee
- Purchase APR
- 20.95%
6.9Cited · verified 2026-06-13View → - 17
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 → - 18
WestJet RBC Mastercard
Travel points & miles
Welcome value
~$100
Get up to 10,000 WestJet points, that's a value of up to $100 off travel
- Annual fee
- $39
- Purchase APR
- 20.99%
6.8Cited · verified 2026-06-13View → - 19
Neo Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 19.99%
6.7Cited · verified 2026-06-13View → - 20
PC FinancialWorld Elite
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%
6.7Cited · verified 2026-06-13View → - 21
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 → - 22
Scotiabank
Scotia Momentum Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.7Cited · verified 2026-06-13View → - 23
Allure Mastercard
No annual fee rewards
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.6Cited · verified 2026-06-17View → - 24
BrimStandard
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
- —
6.6Cited · verified 2026-06-17View → - 25
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 → - 26
MBNA True Line Mastercard
Low interest for carrying a balance
Welcome value
—
No current offer
0% promotional annual interest rate for 12 months on balance transfers
- Annual fee
- No fee
- Purchase APR
- 12.99%
6.6Cited · verified 2026-06-17View → - 27
National Bank Platinum Mastercard
Everyday rewards
Welcome value
25k pts
Up to 25,000 rewards points upon enrollment
- Annual fee
- —
- Purchase APR
- 20.99%
6.6Cited · verified 2026-06-17View → - 28
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%
6.6Cited · verified 2026-06-13View → - 29
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 → - 30
Canadian TireWorld Elite
Triangle World Elite Mastercard
No annual fee rewards
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- —
6.6Cited · verified 2026-06-17View → - 31
World Mastercard
Everyday rewards
Welcome value
—
No current offer
- Annual fee
- —
- Purchase APR
- —
6.6Cited · verified 2026-06-17View → - 32
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%
6.5Cited · verified 2026-06-17View → - 33
BMO Ascend Business Mastercard
For business spending
Welcome value
25k pts
Earn 25,000 BMO Rewards points when you spend $3,000 in the first 110 days
- Annual fee
- No fee
- Purchase APR
- 18.99%
6.5Cited · verified 2026-06-13View → - 34
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 → - 35
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
- —
6.5Cited · verified 2026-06-17View → - 36
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 → - 37
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 → - 38
Walmart Rewards (Fairstone)Standard
Walmart Rewards Mastercard
No annual fee rewards
Welcome value
—
No current offer
Welcome bonus of $25 in Reward Dollars
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.5Cited · verified 2026-06-17View → - 39
BMO Air Miles World Elite Mastercard
Everyday rewards
Welcome value
—
No current offer
- Annual fee
- —
- Purchase APR
- —
6.4Cited · verified 2026-06-13View → - 40
BMO Blue Rewards Business Mastercard
For business spending
Welcome value
30k pts
Earn 30,000 Blue Points when you spend $3,000 in the first 110 days
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.4Cited · verified 2026-06-13View → - 41
BMO CashBack Business Mastercard
For business spending
Welcome value
—
No current offer
Get 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for 3 months
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.4Cited · verified 2026-06-13View → - 42
CIBC Adapta Mastercard
No annual fee rewards
Welcome value
6.0k pts
Get up to 6,000 Adapta points during your first year (up to $50 in value)
- Annual fee
- No fee
- Purchase APR
- —
6.4Cited · verified 2026-06-13View → - 43
Triangle Mastercard
No annual fee rewards
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- —
6.4Cited · verified 2026-06-17View → - 44
Triangle World Mastercard
No annual fee rewards
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- —
6.4Cited · verified 2026-06-17View → - 45
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 → - 46
United MileagePlus Neo World Elite Mastercard
Travel points & miles
Welcome value
25k pts
Up to 25,000 MileagePlus miles
- Annual fee
- $89
- Purchase APR
- 19.99%
6.2Cited · verified 2026-06-13View → - 47
MBNA Rewards World Elite Mastercard
Everyday rewards
Welcome value
30k pts
Earn up to 30,000 bonus MBNA Rewards Points
- Annual fee
- $120
- Purchase APR
- 21.99%
6.1Cited · verified 2026-06-17View → - 48
National Bank World Elite Mastercard
Everyday rewards
Welcome value
35k pts
Get up to $1,052 in benefits and rewards for the first year
- Annual fee
- $150
- Purchase APR
- 22.49%
6.1Cited · verified 2026-06-17View → - 49
BMO Ascend World Elite Mastercard
Everyday rewards
Welcome value
—
No current offer
Get up to $1,600 in value and the annual fees waived in the first year.
- Annual fee
- $150
- Purchase APR
- 21.99%
6.0Cited · verified 2026-06-13View → - 50
BMO Ascend World Elite Business Mastercard
For business spending
Welcome value
150k pts
Get more for your business with up to $2,175 in value
- Annual fee
- $175
- Purchase APR
- 18.99%
5.8Cited · verified 2026-06-13View → - 51
BMO Blue Rewards World Elite Business Mastercard
For business spending
Welcome value
—
No current offer
Get over $1,750 in value, including an annual-fee waiver, in your first year
- Annual fee
- $175
- Purchase APR
- 20.99%
5.8Cited · verified 2026-06-13View → - 52
Neo FinancialWorld Elite
Cathay World Elite Mastercard
Travel points & miles
Welcome value
35k pts
Up to 35,000 Asia Miles
- Annual fee
- $180
- Purchase APR
- 19.99%
5.8Cited · verified 2026-06-13View →
Frequently asked
- What is the best Mastercard credit card in Canada?
- Based on our value ranking, the PC Insiders World Elite Mastercard from PC Financial is the top Mastercard card with a $120 annual fee and 21.99% 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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