Best Visa credit cards in Canada
Visa credit cards from Canadian issuers, ranked by what each one is worth for your spending, after fees.
Card details updated November 10, 2026 How we rank
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Not sure which kind of card you need? Help me choose
80 Visa credit cards, ranked for you
Ranked by value in year one at $2,500 a month, after fees. How we rank
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Ranked 21. BMO® Eclipse Visa Infinite Privilege* Card
BMO · Visa Expert Score 7.6 out of 10. Good
Worth in year one $909Then each year $3733.4% back on groceries, gas and travel, 0.7% back on everything else
- Welcome offer
- $536 you’d get Part of a $1,340 offer. Up to 200,000 BMO Rewards points.
- Annual fee
- $599 a year
Needs $150,000 personal or $200,000 household income
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Read the full review: BMO® Eclipse Visa Infinite Privilege* Card
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Ranked 22. Scotia Momentum® Visa Infinite+ Card
Scotiabank · Visa Expert Score 8.5 out of 10. Excellent
Worth in year one $878Then each year $7584% back on groceries and recurring bills, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $120 a year
Needs $60,000 personal or $100,000 household income
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Ranked 23. TD Platinum Travel Visa Card
TD · Visa Expert Score 7.6 out of 10. Good
Worth in year one $847Then each year $5083% back on travel, 0.8% back on everything else
- Welcome offer
- $250 you’d get The full offer. Up to 50,000 TD Rewards points.
- Annual fee
- $0 first year Then $89 a year
Income rule not listed
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Ranked 24. Scotiabank Passport™ Visa Infinite Business Card
Scotiabank · Visa Expert Score 8.1 out of 10. Very good
Worth in year one $796Then each year $4961.5% back on everything
- Welcome offer
- $300 you’d get Part of a $400 offer. Up to 40,000 Scene+ points.
- Annual fee
- $199 a year
Needs $60,000 personal or $100,000 household income
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Ranked 25. BMO® Eclipse Visa Infinite* Card
BMO · Visa Expert Score 8.4 out of 10. Very good
Worth in year one $784Then each year $4633.4% back on restaurants, groceries and gas, 0.7% back on everything else
- Welcome offer
- $201 you’d get The full offer. Up to 30,000 BMO Rewards points.
- Annual fee
- $0 first year Then $120 a year
Needs $60,000 personal or $100,000 household income
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Ranked 26. TD Cash Back Visa Infinite Card
TD · Visa Expert Score 8.2 out of 10. Very good
Worth in year one $782Then each year $6433% back on groceries, gas and transit, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $139 a year
Needs $60,000 personal or $100,000 household income
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Ranked 27. CIBC Aventura® Gold Visa Card
CIBC · Visa Expert Score 8.1 out of 10. Very good
Worth in year one $741Then each year $3022% back on travel, 1% back on everything else
- Welcome offer
- $300 you’d get The full offer. Up to 30,000 Aventura points.
- Annual fee
- $0 first year Then $139 a year
Needs $15,000 household income
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Ranked 28. RBC Ion Visa
RBC · Visa Expert Score 7.5 out of 10. Good
Worth in year one $691Then each year $5722.6% back on groceries, gas and rideshare, 1.7% back on everything else
- Welcome offer
- $119 you’d get The full offer. Up to 7,000 Avion points.
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 29. CIBC Dividend Platinum® Visa Card
CIBC · Visa Expert Score 7.2 out of 10. Good
Worth in year one $690Then each year $5913% back on groceries and gas, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $99 a year
Needs $15,000 household income
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Ranked 30. Wealthsimple Visa Infinite card
KOHO · Visa
Worth in year one $660Then each year $6602% back on everything
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Needs $80,000 personal or $150,000 household income
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Ranked 31. CIBC Aeroplan® Visa Card
CIBC · Visa
Worth in year one $594Then each year $5442% back on groceries, gas and flights, 1.3% back on everything else
- Welcome offer
- $50 you’d get The full offer. Up to 2,500 Aeroplan points.
- Annual fee
- $0 No annual fee
Needs $15,000 household income
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Ranked 32. Desjardins Odyssey Visa Infinite Privilege
Desjardins · Visa Expert Score 7.8 out of 10. Good
Worth in year one $561Then each year $5614% back on restaurants, entertainment and transit, 1.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $395 a year
Needs $150,000 personal or $200,000 household income
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Ranked 33. CIBC Aeroplan® Visa Card For Students
CIBC · Visa
Worth in year one $544Then each year $5442% back on groceries, gas and flights, 1.3% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 34. CIBC Aventura® Visa Infinite Privilege Card
CIBC · Visa Expert Score 7.6 out of 10. Good
Worth in year one $535Then each year $2853% back on travel, 1.3% back on everything else
- Welcome offer
- $250 you’d get The full offer. Up to 25,000 Aventura points.
- Annual fee
- $499 a year
Needs $150,000 personal or $200,000 household income
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Ranked 35. Scotia Momentum for business Visa
Scotiabank · Visa Expert Score 7.6 out of 10. Good
Worth in year one $511Then each year $5113% back on gas, restaurants and recurring bills, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $79 a year
Income rule not listed
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Ranked 36. Scotiabank Passport® Visa Infinite Privilege Card
Scotiabank · Visa
Worth in year one $472Then each year $726% back on hotels, 1% back on everything else
- Welcome offer
- $400 you’d get Part of a $700 offer. Up to 80,000 Scene+ points.
- Annual fee
- $599 a year
Needs $150,000 personal or $200,000 household income
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Ranked 37. Desjardins Odyssey Gold Visa
Desjardins · Visa Expert Score 7.1 out of 10. Good
Worth in year one $470Then each year $3602% back on restaurants, recurring bills and travel, 0.7% back on everything else
- Welcome offer
- $110 you’d get The full offer. Up to $110 back.
- Annual fee
- $110 a year
Income rule not listed
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Ranked 38. Simplii Financial™ Cash Back Visa* Card
CIBC · Visa Expert Score 7.5 out of 10. Good
Worth in year one $460Then each year $3604% back on restaurants, 0.5% back on everything else
- Welcome offer
- $100 you’d get The full offer. Up to $100 back.
- Annual fee
- $0 No annual fee
Needs $15,000 household income
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Ranked 39. BMO eclipse rise Visa* Card
BMO · Visa
Worth in year one $459Then each year $3251.7% back on groceries, restaurants and food delivery, 0.3% back on everything else
- Welcome offer
- $134 you’d get The full offer. Up to 20,000 BMO Rewards points.
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 40. Scotiabank® Scene+™ Visa Card
Scotiabank · Visa Expert Score 8.1 out of 10. Very good
Worth in year one $451Then each year $3514% back on hotels, 1% back on everything else
- Welcome offer
- $100 you’d get The full offer. Up to 10,000 Scene+ points.
- Annual fee
- $0 No annual fee
Needs $12,000 personal income
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Showing 20 of 80 cards
Filters
Your spending a month
Your balance
How we rank cards
The list is math only: one set of rules, worked out for the choices you made.
What Year one and Every year mean
Year one is what a card is worth in its first year at your spending: the rewards it earns, plus any welcome offer your spending would reach, minus the first year’s annual fee.
Every year after leaves out the welcome offer and takes off the full annual fee, so a big offer can’t hide a weak earn rate.
We rank by the one you pick. When two cards come out the same, the one with the higher score goes first. Values are estimates, rounded to the dollar.
What’s in each spending choice
Each choice is an example month of spending, split across the kinds of spending cards reward differently. Pick the one closest to yours.
- Light, $1,000 a month: Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical, $2,500 a month: Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big, $5,000 a month: Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
How we value points
Each points program gets one value per point, taken from the program’s own valuation. Cards in the same program use the same value, so two cards that earn the same points are judged the same way.
- Aeroplan: 2 cents a point
- American Express Membership Rewards: 1.7 cents a point
- BMO Rewards: 0.67 cents a point
- British Airways Club: 2 cents a point
- Cathay Asia Miles: 1.5 cents a point
- CIBC Aventura: 1 cents a point
- Desjardins BONUSDOLLARS: 100 cents a point
- Flying Blue: 1.9 cents a point
- Marriott Bonvoy: 0.8 cents a point
- moi Rewards: 0.8 cents a point
- More Rewards: 0.2 cents a point
- National Bank a la carte Rewards: 0.9 cents a point
- PC Optimum: 0.1 cents a point
- RBC Avion: 1.7 cents a point
- Scene+: 1 cents a point
- TD Rewards: 0.5 cents a point
- Triangle Rewards: 100 cents a point
- United MileagePlus: 1.6 cents a point
- VIPorter: 1.5 cents a point
- WestJet Rewards: 1 cents a point
A card whose points we can’t value yet shows its points and sorts after the cards we can value.
What Low interest adds up
Low interest ranks by what a year of carrying a balance would cost: interest at the card’s purchase rate, plus the annual fee. It assumes the balance stays the same all year and leaves out rewards and welcome offers.
A balance transfer offer shows on the card when it has one, but it doesn’t change the order.
Does pay change the order?
No. The order comes only from the math above. We get paid when you apply through some links, and a bank can pay to show a card in a spot marked Sponsored. Pay never moves a card in the ranked list or changes its score.
Help me choose
Four quick questions, then a list that fits. Your answers only set the list. We don’t keep them.
Show the questions as a form
Help me choose
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Cards by bank
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.
Spot something wrong? We’ll check it with the bank. Suggest a correction