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.

155 cards in Canada

Showing 121–144

Student BMO CashBack® Mastercard®

BMO · MASTERCARD

No ratings yetNot yet rated
Annual fee
C$0
Purchase APR
21.99%
Welcome offer
Get 5% cash back in your first 3 months!
Verified 8 Sept 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: 23.99%.

Rates and fees as published by the issuer and recorded on 8 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

MBNA True Line® Mastercard®

MBNA · MASTERCARD

No ratings yetNot yet rated
Annual fee
C$0
Purchase APR
12.99%
Welcome offer
Welcome offer: You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening.
Verified 9 Sept 2026
Rates, fees and fine print

Annual membership fee: C$0. Purchase APR: 12.99%, based on creditworthiness and the Prime Rate. Balance transfer APR: 17.99%. Cash advance APR: 24.99%.

Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

Home Trust Secured Visa

Home Trust · VISA

No ratings yetNot yet rated
Annual fee
C$0
Purchase APR
14.90% or 19.99%
Verified 10 Sept 2026
Rates, fees and fine print

Annual membership fee: C$0. Purchase APR: 14.90% or 19.99% variable, based on creditworthiness and the Prime Rate.

Rates and fees as published by the issuer and recorded on 10 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

RBC Visa Business Card

RBC Royal Bank · VISA

No ratings yetNot yet rated
Annual fee
C$12
Purchase APR
19.99%
Verified 10 Sept 2026
Rates, fees and fine print

Annual membership fee: C$12. Purchase APR: 19.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99%.

Rates and fees as published by the issuer and recorded on 10 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

Visa Corporate

Desjardins · VISA

No ratings yetNot yet rated
Annual fee
C$20
Purchase APR
Prime rate + 5%
Verified 9 Sept 2026
Rates, fees and fine print

Annual membership fee: C$20. Purchase APR: Prime rate + 5% variable, based on creditworthiness and the Prime Rate. Cash advance APR: Prime rate + 5%.

Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

Visa Purchasing

Desjardins · VISA

No ratings yetNot yet rated
Annual fee
C$20
Purchase APR
18.25%
Verified 9 Sept 2026
Rates, fees and fine print

Annual membership fee: C$20. Purchase APR: 18.25%, based on creditworthiness and the Prime Rate. Cash advance APR: Prime rate + 5%.

Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

TD Low Rate Visa Card

TD · VISA

No ratings yetNot yet rated
Annual fee
C$25
Purchase APR
12.90%
Welcome offer
Get a 0% promotional interest rate on Purchases for the first 6 months from Account opening and receive an Annual Fee rebate for the first year. Conditions Apply.
Verified 8 Sept 2026
Rates, fees and fine print

Annual membership fee: C$25. Purchase APR: 12.90%, based on creditworthiness and the Prime Rate. Cash advance APR: 12.90%.

Rates and fees as published by the issuer and recorded on 8 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

TD Emerald Flex Rate Visa Card

TD · VISA

No ratings yetNot yet rated
Annual fee
C$25
Purchase APR
TD Prime + 4.50% to 12.75%
Verified 8 Sept 2026
Rates, fees and fine print

Annual membership fee: C$25. Purchase APR: TD Prime + 4.50% to 12.75% variable, based on creditworthiness and the Prime Rate. Cash advance APR: TD Prime + 4.50% to 12.75%.

Rates and fees as published by the issuer and recorded on 8 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

American Express Essential™ Credit Card

American Express · AMEX

No ratings yetNot yet rated
Annual fee
C$25
Purchase APR
12.99% on purchases and funds advances
Verified 10 Sept 2026
Rates, fees and fine print

Annual membership fee: C$25. Purchase APR: 12.99% on purchases and funds advances, based on creditworthiness and the Prime Rate. Cash advance APR: 12.99%.

Rates and fees as published by the issuer and recorded on 10 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

BMO Preferred Rate Mastercard®

BMO · MASTERCARD

No ratings yetNot yet rated
Annual fee
C$29
Purchase APR
13.99%
Welcome offer
Get a 0% introductory interest rate on Balance Transfers for 18 months with a 2% transfer fee and we’ll waive the $29 annual fee for the first year.
Verified 8 Sept 2026
Rates, fees and fine print

Annual membership fee: C$29. Purchase APR: 13.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 15.99%.

Rates and fees as published by the issuer and recorded on 8 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

CIBC Select Visa Card

CIBC · VISA

No ratings yetNot yet rated
Annual fee
C$29
Purchase APR
13.99%
Welcome offer
Transfer your credit card balance — get 0% interest for up to 10 months with a 1% transfer fee.
Verified 9 Sept 2026
Rates, fees and fine print

Annual membership fee: C$29. Purchase APR: 13.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 13.99%.

Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

Scotiabank Value® Visa Card (for students)

Scotiabank · VISA

No ratings yetNot yet rated
Annual fee
C$29
Purchase APR
13.99%
Welcome offer
0% promotional interest rate on balance transfers for the first 9 months with a 1% balance transfer fee. Plus pay no annual fee in the first year.
Verified 9 Sept 2026
Rates, fees and fine print

Annual membership fee: C$29. Purchase APR: 13.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 13.99%.

Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

Scotiabank Value® Visa Card

Scotiabank · VISA

No ratings yetNot yet rated
Annual fee
C$29
Purchase APR
13.99%
Welcome offer
0% promotional interest rate on balance transfers for the first 9 months with a 1% balance transfer fee. Plus pay no annual fee in the first year.
Verified 9 Sept 2026
Rates, fees and fine print

Annual membership fee: C$29. Purchase APR: 13.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 13.99%.

Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

Visa US Business

Desjardins · VISA

No ratings yetNot yet rated
Annual fee
C$30
Purchase APR
19.4%
Verified 9 Sept 2026
Rates, fees and fine print

Annual membership fee: C$30. Purchase APR: 19.4%, based on creditworthiness and the Prime Rate. Cash advance APR: 19.4%.

Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

Syncro Mastercard

National Bank of Canada · MASTERCARD

No ratings yetNot yet rated
Annual fee
C$35
Purchase APR
8.9%
Welcome offer
Benefit from a low interest rate
Verified 9 Sept 2026
Rates, fees and fine print

Annual membership fee: C$35. Purchase APR: 8.9%, based on creditworthiness and the Prime Rate. Balance transfer APR: 12.9%. Cash advance APR: 12.9%.

Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

MBNA True Line® Gold Mastercard®

MBNA · MASTERCARD

No ratings yetNot yet rated
Annual fee
C$39
Purchase APR
10.99%
Welcome offer
With an 10.99% standard interest rate on purchases, this is the lowest rate MBNA card.
Verified 9 Sept 2026
Rates, fees and fine print

Annual membership fee: C$39. Purchase APR: 10.99%, based on creditworthiness and the Prime Rate. Balance transfer APR: 13.99%. Cash advance APR: 24.99%.

Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

TD U.S. Dollar Visa Card

TD · VISA

No ratings yetNot yet rated
Annual fee
C$39
Purchase APR
21.99%
Verified 8 Sept 2026
Rates, fees and fine print

Annual membership fee: C$39. 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 8 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

Scotia Momentum® Visa Card (for students)

Scotiabank · VISA

No ratings yetNot yet rated
Annual fee
C$49
Purchase APR
20.99%
Welcome offer
Get a 0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance; 22.99% after that; annual fee $49).
Verified 9 Sept 2026
Rates, fees and fine print

Annual membership fee: C$49. Purchase APR: 20.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99%.

Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

BMO U.S. Dollar Mastercard®

BMO · MASTERCARD

No ratings yetNot yet rated
Annual fee
C$49
Purchase APR
21.99%
Welcome offer
Shop in U.S. dollars and skip exchange-rate surprises.
Verified 8 Sept 2026
Rates, fees and fine print

Annual membership fee: C$49. Purchase APR: 21.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 23.99%.

Rates and fees as published by the issuer and recorded on 8 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

Scotia Momentum® Visa Card

Scotiabank · VISA

No ratings yetNot yet rated
Annual fee
C$49
Purchase APR
20.99%
Welcome offer
Get a 0.99% introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance; 22.99% after that; annual fee $49).
Verified 9 Sept 2026
Rates, fees and fine print

Annual membership fee: C$49. Purchase APR: 20.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99%.

Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms

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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 685 cards. Each is re-verified against its issuer or network source on a monthly schedule.