Categories to compare
- Cashback cards for simple, no-fuss rewards on everyday spending.
- Travel cards for points, lounge access and insurance, usually with an annual fee.
- Low-fee or no-fee cards if you want to keep costs down.
- Student cards with modest limits to build credit.
- Secured cards to rebuild credit with a refundable deposit.
How to choose
- Compare the annual fee against the rewards you will realistically earn.
- Check the interest rate if you ever carry a balance; rewards don't offset 20% APR.
- Look at the income requirement and the credit profile needed.
- Favour one card you will pay in full over several you won't.
Save thousands
Save thousands by refinancing your vehicle anywhere in Canada.
Free to apply, no obligation, and no credit check to pre-qualify.
Frequently asked questions
A no-fee cashback card usually wins for everyday, simple spending if you pay in full.
No. Carrying a balance at 20% APR wipes out typical 1-2% rewards. Pay in full or refinance high-rate debt.
Yes. A vehicle-secured refinance can replace high-rate card debt with a much lower-rate loan. See our debt consolidation guide.