Canada’s best credit cards for online shopping + MORE Jun 1st

When choosing a good overall rewards card, you have to consider the entire package of goodies before making a final decision. Do you prefer a no fee card or are you willing to pay for perks? Are you more interested in spending bonuses, VIP lounge access, cash-back rewards or no blackout periods when booking travel? Whatever your criteria, there’s a card on this list to ensure you reap rewards as you spend.
The best rewards credit cards in Canada 2021

Card
Rewards
Annual fee

American Express Cobalt
(get more details)*

5 pts/$1 on groceries & dining
2 pts/$1 on travel, gas & transit
1 pt/$1 on everything else
1 pt = 1% / up to 1.75% in travel rewards

$120

Scotiabank Gold American Express
(get more details)*

5 pts/$1 on groceries, dining & entertainment
3 pts/$1 on gas, transit & streaming services
1 pt/$1 on everything else
No FX fees
1 pt = 1% in travel rewards

$120

Tangerine Money-Back
(get more details)*

2% cash back in up to 3 spending categories
0…

I admit it, I was wrong.  I had predicted that we’d see the welcome bonus offer on the TD® Aeroplan® Visa Infinite* Card change as of today to naturally expire the opportunity to convert Buddy Passes to Aeroplan points for new applicants. Well I am happy to say my prediction did not come true. TD is holding fast on all their Aeroplan co-brand card offers including the very enticing offer for their mainstay card and the primary card of the entire Aeroplan program, the TD® Aeroplan® Visa Infinite* Card. Now extended to August 16, you can earn 20,000 Aeroplan Points and a Buddy Pass with the TD Aeroplan Visa Infinite Card along with having the first year annual fee rebated – that’s right you can get the points and the buddy pass at no cost to you outside of actual spend on the card.Recommended reading: How to earn over 147,000 Aeroplan points for free*When you apply for and are approved for the card anytime between now and August 16, 2021 you can receive the bonus outlined above…

Before we talk about the best TD credit cards in Canada, let’s talk about TD. Formed through a merger between financial giants Bank of Toronto and The Dominion Bank in 1955, TD is one of Canada’s big five banks. It offers a wide array of financial services including an impressive portfolio of more than two dozen credit cards. We’ve broken down the TD credit cards into five categories so that whether you’re looking for cash back, flexible travel points, a co-branded travel card, no-fee cash back, or low interest, you’ve got the inside information to make your choice. 
The best TD credit cards 2021

Card
Rewards
Annual fee

TD Cash Back Visa Infinite
(get more details)*

3% cash back on groceries, gas & recurring bills
1% on everything else

$120

TD First Class Travel Visa Infinite
(get more details)*

9 TD points/$1 on travel (via Expedia For TD)
3 TD points/$1 on everything else

$120

TD Aeroplan Visa Infinite
(get more details)*

1.5 Aeroplan points/$1 on groceries, gas & AirCanada 
1 Aeroplan point/$1 on everything else

$139

TD Cash Back Visa
(get more details)*

1% cash back on groceries, gas & recurring bills
0…

In Canada, online shopping accounts for purchases in the billions annually, and it’s easy to see why. Instead of pounding the pavement, braving fitting rooms or standing in lines, online shoppers make their purchases with a few clicks and taps. Plus, who doesn’t like getting mail?
When it comes to picking a credit card for online shopping, things get a little bit more complex. If you collect points or cash back, you may be well-versed in your spending categories. But sometimes (not always) an online purchase doesn’t “reward” you as you’d expect. If, for example, your card offers rewards on groceries, you may expect bonus credits when you order groceries online. Depending on your credit card, however, your online grocery spend might show up in the generic “everything else” category. When shopping online, not all cards are created equal. These picks will earn you more than the standard 0.5% to 1% in rewards. 
Best credit cards for online shopping

American Express SimplyCash Preferred – 2% cash back
MBNA Rewards World Elite – 2% in travel rewards
Rogers World Elite Mastercard – 1…

When consumers shop for a new credit card, they typically look at the ability to collect points, the insurance coverage offered, fees and interest rates on unpaid balances—not at the credit card company itself. But if you already have an account with RBC, CIBC, Scotiabank or any other Visa issuers, you may be inclined to choose a card that’s “in the family.” Or, maybe you want to take advantage of the benefits offered by the largest credit card company in the world—Visa. Whatever your reasons for considering Visa, this guide will help you find a credit card that fits your lifestyle.
The best Visa credit cards in Canada
These are credit cards offered by Ratehub partners. You can find information about additional product options below.

Card
Rewards / Features
Annual fee

BMO eclipse Visa Infinite
(get more details)*

5 BMO pts/$1 on groceries, dining, gas & daily transit
1 pt/$1 on everything else
$50 annual credit
1 BMO pt = 0.71% in travel rewards

$120

Scotia Momentum Visa Infinite*
(get more details)*

4% cash back on groceries and bills
2% on gas and daily transit
1% on everything else

$120

TD First Class Travel Visa Infinite
(get more details)*

9 TD pts/$1 on travel (via ExpediaForTD)
3 pts/$1 on everything else
1 TD pt = 0…