- 2.50% Health & pharmacy
- 1% Groceries
- 1% Shopping
- Welcome offer
- Earn 50,000 bonus PC Optimum™ Points
Verified 10 Sept 2026
Compare credit cards by what you actually spend
One catalog, every market we cover. Filter by country, card type, issuer and network, then upload a statement and let your own spending pick the card instead of a generic ranking.
129 cards in Canada
Showing 25–48
- 2% Gas & fuel
- 2% Groceries
- 1.25% Everything else
- Annual fee
- C$0
- Purchase APR
- 21.99% on purchases and 21.99% on funds advances
- Welcome offer
- Make it happen with a bonus of up to 5% cash back. Earn a bonus 5% cash back on purchases in your first 3 months (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates.
Verified 27 Sept 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 21.99% on purchases and 21.99% on funds advances, based on creditworthiness and the Prime Rate. Cash advance APR: 21.99%.
Rates and fees as published by the issuer and recorded on 27 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
- 1% Everything else
- Annual fee
- C$0
- Purchase APR
- 21.99% to 25.99%
Verified 24 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 21.99% to 25.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99% to 27.99%. Foreign transaction fee: 2.5.
Rates and fees as published by the issuer and recorded on 24 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
- 1% Everything else
- Annual fee
- C$0
- Purchase APR
- 21.99% to 25.99%
Verified 24 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 21.99% to 25.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99% to 27.99%. Foreign transaction fee: 2.5.
Rates and fees as published by the issuer and recorded on 24 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
- 1.50% Everything else
- Annual fee
- C$0
- Purchase APR
- 21.99% to 25.99%
Verified 24 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 21.99% to 25.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99% to 27.99%. Foreign transaction fee: 2.5.
Rates and fees as published by the issuer and recorded on 24 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
- 2% Everything else
Verified 9 Sept 2026
- 1x Travel
- 1x Groceries
- Annual fee
- C$0
- Purchase APR
- 21.99%
- Welcome offer
- Earn up to 12,500 Aventura Points† for no annual fee. Experience more of the world with our most flexible travel rewards program.
Verified 1 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 21.99% variable, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99%.
Rates and fees as published by the issuer and recorded on 1 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
- 0.50% Everything else
Verified 10 Sept 2026
- 3.50% Health & pharmacy
- 2% Groceries
- 2% Shopping
- Welcome offer
- Earn 50,000 bonus PC Optimum™ Points
Verified 10 Sept 2026
- 4% Dining & restaurants
- 1.50% Gas & fuel
- 1.50% Groceries
- Welcome offer
- Earn cash back on essentials with a Simplii Cash Back Visa Card! Earn up to $100 cash back in your first 3 months when you spend up to $500 spending on eligible gas, grocery, and drugstore purchases, and pre-authorized payments.
Verified 9 Sept 2026
- 1x Everything else
- Annual fee
- C$0
- Purchase APR
- 21.99% on purchases and 21.99% on funds advances
- Welcome offer
- Earn a Welcome Bonus of 10,000 Membership Rewards® points. Get rewarded for your lifestyle! Make every swipe or tap count, all for no annual fee. Every point counts with Amex.
Verified 27 Sept 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 21.99% on purchases and 21.99% on funds advances, based on creditworthiness and the Prime Rate. Cash advance APR: 21.99%.
Rates and fees as published by the issuer and recorded on 27 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
- 2x Dining & restaurants
- Annual fee
- C$0
- Purchase APR
- 20.99%
Verified 1 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 20.99% variable, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 1 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
- 2x Travel
- 1x Everything else
- Annual fee
- C$0
- Purchase APR
- 21.99%
- Welcome offer
- Join and earn up to $100 in value† with no annual fee
Verified 1 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 21.99% variable, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99%.
Rates and fees as published by the issuer and recorded on 1 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
- 1x Travel
- 1x Groceries
- Annual fee
- C$0
- Purchase APR
- 21.99%
- Welcome offer
- Apply and earn up to $200 in value, which includes up to 10,000 Aeroplan points! Conditions apply. A no annual fee travel card that turns your everyday purchases into a dream vacation.
Verified 1 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 21.99% variable, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99%.
Rates and fees as published by the issuer and recorded on 1 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
- 2% Groceries
- 1% Gas & fuel
- Welcome offer
- Join and earn up to $125 cash back
Verified 9 Sept 2026
- 5x Groceries
- 5x Dining & restaurants
- 1x Everything else
- Welcome offer
- You deserve to be rewarded! Get 20,000 points and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee. Plus, earn up to 5,000 bonus points every year!
Verified 8 Sept 2026
- 1x Travel
- 1x Groceries
- Annual fee
- C$0
- Purchase APR
- 21.99%
- Welcome offer
- Apply and earn up to $200 in value, which includes up to 10,000 Aeroplan points! Conditions apply. The no annual fee travel card that turns your everyday purchases into a dream vacation.
Verified 1 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 21.99% variable, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99%.
Rates and fees as published by the issuer and recorded on 1 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
- 1.50% Online shopping
- 1% Everything else
- Welcome offer
- Welcome Offer: Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants! Valid for the first 6 months, on your first $3,000 in eligible purchases††.
Verified 9 Sept 2026
- 1x Gas & fuel
- 1x Groceries
- 1x Bills & utilities
- Annual fee
- C$0
- Purchase APR
- 20.99%
Verified 24 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 20.99%, based on creditworthiness and the Prime Rate. Balance transfer APR: 21.99%. Cash advance APR: 22.99%.
Rates and fees as published by the issuer and recorded on 24 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
- 1.5x Everything else
- Annual fee
- C$0
- Purchase APR
- 19.99%
- Welcome offer
- 10,000 bonus points ($50 value) when you first use the card
Verified 24 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 19.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99%. Foreign transaction fee: 2.9.
Rates and fees as published by the issuer and recorded on 24 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
- 1% Gas & fuel
- 1% Bills & utilities
- Annual fee
- C$0
- Purchase APR
- 20.99%
- Welcome offer
- 5% cash back for your first 3 months, on up to $2,000 of spending
Verified 24 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 20.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99%. Foreign transaction fee: 2.9.
Rates and fees as published by the issuer and recorded on 24 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
- 3% Groceries
- 3% Shopping
- 1% Everything else
- Annual fee
- C$0
- Purchase APR
- 21.99%
- Welcome offer
- $25 in reward dollars when you spend $75 in a single purchase at Walmart in the first 30 days
Verified 24 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 21.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99%.
Rates and fees as published by the issuer and recorded on 24 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
- 3% Groceries
- 3% Gas & fuel
- 1% Everything else
- Annual fee
- C$0
- Purchase APR
- 20.9%
- Welcome offer
- Double cash back for your first year: Capital One matches the cash back you earn in your first 365 days
Verified 24 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 20.9%, based on creditworthiness and the Prime Rate. Foreign transaction fee: 0.
Rates and fees as published by the issuer and recorded on 24 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
- 3% Groceries
- 3% Gas & fuel
- 1% Everything else
- Annual fee
- C$0
- Purchase APR
- 21.9% to 29.9%
- Welcome offer
- Double cash back for your first year: Capital One matches the cash back you earn in your first 365 days
Verified 24 Oct 2026
Rates, fees and fine print
Annual membership fee: C$0. Purchase APR: 21.9% to 29.9%, based on creditworthiness and the Prime Rate. Foreign transaction fee: 0.
Rates and fees as published by the issuer and recorded on 24 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
For issuers and partners
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Common questions about comparing cards
How do I choose a credit card?
Choose a credit card by matching its highest reward rates to the categories you already spend most in, then subtracting the annual fee from the rewards you would realistically earn. A card paying 5% on dining is worth less than a flat 2% card if dining is a small share of your spending.
Can I compare credit cards from different countries?
Yes. Woodo keeps a separate catalog per country because credit cards are licensed and priced per market, so a card available in Singapore cannot be opened from the United States. Select a country to see the cards actually issued there.
Does comparing credit cards affect my credit score?
Comparing credit cards does not affect your credit score. Only submitting an application triggers a hard inquiry, and browsing or filtering a comparison page does not.
How does Woodo rank credit cards?
Woodo ranks credit cards by annual fee and reward coverage. No issuer can pay to move a card up the list. Most comparison sites work the other way: Bankrate and WalletHub both disclose that advertiser compensation affects the order in which cards appear in their listings.
Do credit card comparison sites get paid to rank cards higher?
Many do. Bankrate discloses that its compensation may impact the order in which products appear within listing categories, and WalletHub discloses that advertising affects the order and prevalence of offers. Woodo separates the two: the ranked list is ordered by stated consumer criteria only, and any paid placement appears in a slot labelled as sponsored, outside that list.
How current is the card data?
Every card shows the date its details were last verified against the issuer or network source. Cards whose data passes the staleness threshold stop displaying rates and fees rather than showing an outdated number.
Woodo currently tracks 1527 cards. Each is re-verified against its issuer or network source on a monthly schedule.