Compare Credit Cards for July 2021

Compare rewards, cash back, low interest, balance transfer, secured cards and more.


NameRewardPurchase Interest RateCash Advance RateAnnual Fee
Get 3x the AIR MILES for every $25 spent on eligible purchases at IGA stores and at participating AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.

19.99%

22.99%

$0

Details
Earn 4% cash back for every $1 spent on eligible grocery purchases & recurring bill payments, 2% per $1 spent on eligible gas purchases & public transit, and 1% per $1 spent on all other eligible purchases.

20.99%

22.99%

$0

Details
Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit.

20.99%

23.99%

$0

Details
Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.

1.95%

19.95%

$0

Details
Earn 2% cash back on all eligible gas station, grocery store and drug store purchases and on recurring bill payments (up to a $25,000 annual spend), and earn 1% cash back on all other eligible purchases (and on all eligible purchases once the $25,000 annu

19.99%

22.99%

$39

Details
Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.

19.99%

22.99%

$0

Details
Get 3x the AIR MILES for every $25 spent at Sobeys and eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.

19.99%

22.99%

$0

Details
Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers.

12.99%

12.99%

$29

Details
Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.

7.99%

22.99%

$0

Details
Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.

19.99%

22.99%

$0

Details
Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.

19.99%

22.99%

$0

Details
Earn 1 Air Mile on every $10 spent on eligible purchases.

19.99%

22.99%

$120

Details
Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).

19.99%

22.99%

$0

Details
Earn 1.5% cash back on all eligible purchases.

19.99%

22.99%

$0

Details
Earn 3 BMO Rewards points for every $1 you spend on gas, office supplies, cell phone bills and internet bills, and earn 1.5 BMO Rewards points for every $1 you spend elsewhere.

14.99%

22.99%

$0

Details
Receive an annual fee rebate with a minimum yearly spend of US$1,000. Plus, spend in US Dollars with no exchange rate surprises.

19.99%

22.99%

$35

Details
Earn 1 Air Mile for every $20 spent on eligible purchases.

19.99%

22.99%

$0

Details
Get 1 AIR MILE for every $10 spent on eligible purchases.

19.99%

22.99%

$0

Details
Earn 1.5% cash back on eligible gas purchases, office supplies and on cell phone and internet recurring payments, earn 1.75% cash back at participating Shell stations, and earn 0.75% on all other eligible card purchases.

19.99%

22.99%

$0

Details
Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend.

19.99%

22.99%

$79

Details
Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.

19.99%

22.99%

$0

Details
Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations.

19.99%

22.99%

$0

Details
Earn 3% in travel rewards on all eligible travel purchases (6 Points per $1 spent) and earn 1.5% in travel rewards on all other eligible purchases (3 Points per $1 spent).

19.9%

22.9%

$149

Details
Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.

19.99%

22.99%

$0

Details

N/A

N/A

$0

Details
Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, drugstore purchases, gas and travel.

20.99%

23.99%

$499

Details
Earn 2 Points for every $1 spent on eligible dining or entertainment purchases.

11.9%

11.9%

$25

Details
Earn 5 SCENE points per $1 spent at participating Cineplex theatres or cineplex.com, and earn 1 SCENE point per $1 spent on eligible purchases elsewhere.

19.99%

22.99%

$0

Details
Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.

19.99%

22.99%

$0

Details
Earn 1 Mile per $15 spent on all eligible purchases.

19.99%

22.99%

$99

Details
Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.

12.99%

12.99%

$20

Details
Earn 4 Scotia Rewards points per $1 spent at eligible gas stations, grocery stores, and on dining and entertainment purchases, and earn 1 Scotia Rewards point for every $1 spent elsewhere.

19.99%

22.99%

$399

Details
Earn 1 Scotia Rewards point for every $1 spent on eligible purchases.

19.99%

22.99%

$0

Details
Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.

7.99%

22.99%

$0

Details
Earn 5% in GM Earnings on all eligible purchases on the first $5,000 annual spend, and 2% in GM Earnings on all eligible purchases thereafter.

19.99%

22.99%

$0

Details
Earn 1 Scotia Reward point for every $1 spent on eligible purchases. Plus, book your travel through the Scotia Rewards Travel Service and earn 5% cash back on the cost of your trip.

19.99%

22.99%

$110

Details
Earn 5% in GM Earnings on the first $10,000 annual spend, and earn 2% in GM Earnings thereafter.

19.99%

22.99%

$0

Details
Earn 2 Scotia Rewards points for every $1 spent on eligible grocery store, dining, entertainment and daily transit purchases, and earn 1 Scotia Rewards point for every $1 spent elsewhere.

19.99%

22.99%

$139

Details
Earn 5 Scotia Rewards points per $1 spent on eligible grocery, dining and entertainment purchases, 3 points per $1 spent on eligible gas, transportation and select streaming services, and 1 point per $1 spent on eligible purchases elsewhere.

19.99%

22.99%

$120

Details
Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.

19.95%

19.95%

$0

Details

20.99%

23.99%

$120

Details

20.97%

22.97%

$0

Details

19.99%

21.99%

$0

Details

19.99%

22.99%

$0

Details

19.99%

22.99%

$99

Details

19.99%

21.99%

$120

Details

19.99%

21.99%

$99

Details

19.99%

22.99%

$0

Details

19.99%

22.99%

$120

Details

19.99%

22.99%

$139

Details

10.9%

12.9%

$35

Details

14.9%

19.8%

$59

Details

13.99%

13.99%

$29

Details

8.99%

24.99%

$39

Details

17.99%

21.99%

$48

Details

19.99%

22.99%

$0

Details

12.9%

12.9%

$30

Details

12.99%

24.99%

$0

Details

14.99%

22.99%

$120

Details

12.99%

12.99%

$20

Details

20.99%

22.99%

$0

Details

20.99%

22.99%

$150

Details

19.99%

22.99%

$39

Details

20.99%

21.99%

$299

Details

30%

22.99%

$699

Details

19.99%

22.99%

$0

Details

19.99%

22.99%

$0

Details

19.95%

19.95%

$0

Details

How to choose a balance transfer credit card

There are different types of balance transfer credit cards. How can I find which one is good for me? A balanced transmission can save your money if you have high-interest rate credit card debt. Once you find a decent balance transfer card, you can transfer your current debt to a new card. This charges a much lesser interest rate. You can repay debt faster at the lowest rate, save money, and get rid of a debt at a much faster rate. However, not all balance transmission credit cards are good credit cards that can diminish the debt facility.

What is the Balance Transfer credit card?

When performing a balance transfer or transfer the existing debt to a new credit card, this credit card charges 0% for a certain period. Balance transfer credit cards usually offer a 0% APR for 12, 15 or 18-month period. The purpose is to pay the debt before the end of the period, without accruing interest. That generally means avoiding extra purchases with the card in the meantime.

Some balance transmission cards offer benefits such as cashback on buying, access to free credit score checking, and mobile phone insurance to cover robbery and damage if you pay with the card. Also, within a few months after opening an account, you can use a certain amount to find a card that offers a sign-up bonus. However, benefits such as sign-up bonuses are not always worth the potential growth of the balance, as the balance transfer card, are best used to pay off debt and do not accumulate any more.

How to choose the best balance transfer credit card 

You want to make sure you find the right card for you. Here are a few tips to help you to choose a balance transfer that makes sense for you. Keep these important things in mind when choosing a card.

The introductory balance transfer rate and period

Many balance transfer credit cards have low overview rates or zero percent for balance transfers. The introductory interest rate reduces or eliminates the monthly financial costs of a balance transfer over a period of time. The absence of financial fees makes it easier to pay your credit card balance. 0% is ideal, but low rates, such as 2.99%, are also suitable.

Normal balance transfer APR

At the end of the implementation period, you will pay interest at the normal balance transfer rate (which may be the same as the purchase rate). This is especially true if you do not want to pay high-interest rates after the end of the promotion period, especially if the promotion period is not long enough to pay the full balance transfer.

Transfer APR of acquisition with credit card

Many credit cards proposal the same preliminary rate for consumptions and balance transmissions, making the offer even more beneficial. However, the purchase rate for beginners may be against you. If the card has been charged due to a promotional charge, we do not make an effort to remit the balance.

Balance transfer fee

The balance payment fee is naturally 3% to 5% of the balance to be submitted, or a minimum of $ 5. The more money you spend, the higher the commission. It is important to note that the balance transfer fee does not invalidate the interest savings you receive by transferring your balance. If you find a credit card that does not charge a balance transfer fee, study intensely. 

If you are qualified

Don’t expect it to be approved, as you get an offer at a 0% rate. Credit card issuers send large, unapproved proposals to consumers who meet certain basic criteria. Upon application, the card issuer will further analyze credit history, income, and other factors to determine eligibility. Eventually, you may not be eligible for a low-interest rate balance remittance

Transmission time

Some balance transmission credit cards necessitate you to transmission your balance within a certain period. The promotion fee will be applied after opening the account for 60 days. If, for some reason, you are not ready to transfer your balance immediately, wait for a card application or choose a credit card that does not need to be transferred in advance.

Compare the standard APR of the card

If you still borrow money after the 0% rate expires, you will need to pay interest on the remaining balance. It is essential to know the standard fee to be charged. And a card with a higher standard APR than now is probably not needed unless you are 100% sure to pay the balance before it becomes active.

Even if you have a plan to pay what you owe while still having a 0% rate, things can go wrong. Therefore, it is essential to study interest rates, even if you do not care. If the two cards are alike, and one has a lower standard rate, it makes sense to select it in case the balance leftovers.

Let’s look at some of the benefits of receiving a transfer offer. Transferring your balance to a lower interest rate credit card allows you to further reduce your credit card balance. The majority of monthly payments are used to reduce credit card balance, not interest rates, as interest rates may be lower, and financial costs may be eliminated. 

You can pay the full amount before the end of the promotion period. You can transmission your balance to a superior credit card. If your current credit card has bad conditions such as high fees and short grace periods, you can transfer your balance to a better credit card and permanently close your old credit card account. Consolidate credit card debt to reduce monthly credit card payments. Moving multiple credit card balances to one credit card (because of a sufficient credit limit) can save you from having to make multiple payments with multiple credit cards. It is easier to pay your credit card balance than to pay multiple credit cards.