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 41. SCENE Visa Card for Students
Scotiabank · Visa
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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Ranked 42. moi RBC Visa
RBC · Visa
Worth in year one $420Then each year $3801.6% back on groceries, gas and restaurants, 0.8% back on everything else
- Welcome offer
- $40 you’d get The full offer. Up to 5,000 moi points.
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 43. More Rewards RBC Visa Infinite
RBC · Visa
Worth in year one $420Then each year $3801.6% back on groceries, gas and restaurants, 0.8% back on everything else
- Welcome offer
- $40 you’d get The full offer. Up to 20,000 More Rewards points.
- Annual fee
- $0 No annual fee
Needs $60,000 personal or $100,000 household income
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Ranked 44. Home Trust Preferred Visa Card
Home Trust · Visa Expert Score 8.0 out of 10. Very good
Worth in year one $405Then each year $4051% back on everything
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Needs $15,000 personal income
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Ranked 45. CIBC Aventura® Visa Card for Business
CIBC · Visa
Worth in year one $384Then each year $2641.5% back on travel, hotels and gas, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $120 a year
Needs $35,000 personal income
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Ranked 46. ManulifeMONEY+ Visa Infinite
Manulife Bank · Visa
Worth in year one $384Then each year $2452% back on pharmacy, 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 47. CIBC Aventura® Visa Card
CIBC · Visa Expert Score 8.0 out of 10. Very good
Worth in year one $382Then each year $2821% back on groceries, gas and travel, 0.5% back on everything else
- Welcome offer
- $100 you’d get The full offer. Up to 10,000 Aventura points.
- Annual fee
- $0 No annual fee
Needs $15,000 household income
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Ranked 48. TD Rewards Visa Card
TD · Visa Expert Score 7.1 out of 10. Good
Worth in year one $363Then each year $2872% back on travel, 0.5% back on everything else
- Welcome offer
- $76 you’d get The full offer. Up to 15,152 TD Rewards points.
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 49. Scotia Momentum® Visa Card
Scotiabank · Visa Expert Score 7.7 out of 10. Good
Worth in year one $362Then each year $3622% back on groceries, food delivery and pharmacy, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $49 a year
Needs $12,000 personal income
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Ranked 50. Laurentian Bank Visa Cashback
Laurentian Bank · Visa
Worth in year one $346Then each year $3462% back on groceries, gas and recurring bills, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $65 a year
Income rule not listed
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Ranked 51. Desjardins Bonus Visa
Desjardins · Visa
Worth in year one $305Then each year $3052% back on restaurants, recurring bills and entertainment, 0.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 52. Desjardins Cash Back Visa
Desjardins · Visa
Worth in year one $305Then each year $3052% back on restaurants, recurring bills and entertainment, 0.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 53. CIBC Dividend® Visa Card
CIBC · Visa Expert Score 7.1 out of 10. Good
Worth in year one $303Then each year $3032% back on groceries, 0.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Needs $15,000 household income
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Ranked 54. More Rewards RBC Visa
RBC · Visa
Worth in year one $297Then each year $2571% back on groceries, gas and restaurants, 0.6% back on everything else
- Welcome offer
- $40 you’d get The full offer. Up to 20,000 More Rewards points.
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 55. TD Business Cash Back Visa Card
TD · Visa
Worth in year one $195Then each year $1952% back on gas, transit and recurring bills, 0.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 56. CIBC U.S. Dollar Aventura® Gold Visa Card
CIBC · Visa Expert Score 6.9 out of 10. Fair
Worth in year one US$184Then each year US$1841% back on travel, 0.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- US$35 a year
Needs $15,000 household income
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Read the full review: CIBC U.S. Dollar Aventura® Gold Visa Card
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Ranked 57. Scotia Momentum® No-Fee VISA Card
Scotiabank · Visa Expert Score 7.9 out of 10. Good
Worth in year one $180Then each year $1801% back on groceries, food delivery and pharmacy, 0.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Needs $12,000 personal income
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Ranked 58. TD Cash Back Visa Card
TD · Visa
Worth in year one $139Then each year $1391% back on groceries, gas and transit, 0.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 59. ManulifeMONEY+ Visa Platinum
Manulife Bank · Visa
Worth in year one $129Then each year $1291.5% back on pharmacy, 0.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 60. Laurentian Bank Visa Infinite
Laurentian Bank · Visa Expert Score 7.1 out of 10. Good
Earned in year one 47,400 pointsThen each year 47,400 points2 points per $1 on groceries, gas and travel, 1 point per $1 on everything else
- Welcome offer
- None listed
- Annual fee
- $130 a year
Needs $60,000 personal or $100,000 household 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