- 2% Streaming & subscriptions
- 0.50% Everything else
Verified 8 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.
52 cards in Canada
Showing 1–24
- 2% Groceries
- 1% Gas & fuel
- Welcome offer
- Get up to 10 cents off per litre at participating gas stations with Journie Rewards.
Verified 9 Sept 2026
- 3% Dining & restaurants
- 2% Gas & fuel
Verified 9 Sept 2026
- 4% Shopping
- 1.50% Groceries
- 0.50% Everything else
Verified 9 Sept 2026
- 1% Groceries
- 0.50% Everything else
Verified 8 Sept 2026
- 4% Shopping
- 3% Groceries
- 1% Everything else
Verified 9 Sept 2026
- 3% Dining & restaurants
Verified 9 Sept 2026
- 1% Gas & fuel
- Welcome offer
- 7.99% introductory interest rate on purchases for the first 6 months (20.99% after that; annual fee $0).
Verified 9 Sept 2026
- 2% Everything else
Verified 9 Sept 2026
- 1% Everything else
Verified 10 Sept 2026
- 0.5x Everything else
- Welcome offer
- The card that offers points and allows you to support the Quebec Breast Cancer Foundation.
Verified 9 Sept 2026
- 0.50% Everything else
- Welcome offer
- Get up to 5% cash back in your first 3 months and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.
Verified 8 Sept 2026
- 0.50% Everything else
Verified 10 Sept 2026
- 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
- 0.50% Everything else
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
- 2% Gas & fuel
- 2% Groceries
- 0.50% Everything else
- Welcome offer
- Welcome offer: Earn 5% Cash Back on gas and groceries for the first 6 months†† (until the total gas and grocery purchases in the applicable month reaches $500).
Verified 9 Sept 2026
- 2% Groceries
- 1% Gas & fuel
- Welcome offer
- Join and earn up to $125 cash back
Verified 9 Sept 2026
- 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
- 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
For issuers and partners
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Tell us what you would like to feature and we will send back what is available. Placements are labelled as sponsored and sit outside the ranked list, which no issuer can pay into.
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.