Canada's Best Store Credit Cards 2022

12 CARDS The total number of credit card results available for this search
Annual Fees The amount of money charged to you each year to use the card
Rewards Rate The rewards rate your credit card receive for purchases made with your card
Bonus Offer The bonus offer available when you apply for this card
YOUR ESTIMATED NET ANNUAL REWARDS
The annual reward earnings, minus the average annual fee (fee / years), plus the average annual value of the signing bonus (bonus / years)

American Express® AIR MILES® Gold BusinessFeatured

$0
no fee  
mile per $1 
30,000 
Welcome bonus points 
Net Rewards
$105
Show Offer Details
Offer Summary

  • Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.

  • You and any Supplementary Cardmembers added to your account pay no annual fee for the first year of Cardmembership.

  • Earn 1 point for every dollar in purchases charged to the Card. Plus, there is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your card. Then you can reedeem points for a statement credit.

  • You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%%
Balance Transfer Interest Rate: 21.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

American Express® AIR MILES® for BusinessFeatured

$180
per year  
mile per $1 
2,000 
on purchases 1st 3 months 
Net Rewards
$-59
Show Offer Details
Offer Summary

  • Earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $5,000 in purchases to your Charge Card within your first 3 months of Cardmembership.

  • You can maximize your cash flow with up to 55 interest-free days2 and enjoy purchasing power that adjusts dynamically with Card usage.

  • You can benefit from an exclusive 25% discount on business rewards when you redeem AIR MILES Reward Miles from your Dream balance for rewards from the AIR MILES For Business Rewards catalogue, an online catalogue designed especially with the small business owner in mind.

  • Earn 1 AIR MILES Reward Mile for every $10 in Card...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 30%
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: %
First Year Annual Fee: $180
Annual Fee After First Year: $180

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

American Express® Platinum

$699
per year  
1.25 
points per $1 
50,000 
Bonus rewards points 
Net Rewards
$26 Apply Now on American Express's
secure website
Show Offer Details
Offer Summary

  • New Platinum Card® Cardmembers, earn 50,000 Bonus Membership Rewards® points by spending $3,000 in purchases in the first three months of Cardmembership.

  • Platinum members earn 1.25 Membership Rewards® points for every dollar in purchases charged to the Card and automatically enrolled in the Membership Rewards First™ Tier.

  • You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service.

  • Relax in over 1,100 airport lounges worldwide. Enjoy access to the following partner lounges and benefits: Canadian Platinum Lounge Benefit, Delta Sky...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 30%
Cash Advance Interest Rate: 3.00%%
Balance Transfer Interest Rate: %
First Year Annual Fee: $699
Annual Fee After First Year: $699

Eligibility

Personal Income: $
Household Income: $0
Credit Needed:

Scotiabank® Platinum American Express

$399
per year  
points per $1 up to 100K 
30,000 
bonus points on 1st purchase  
Net Rewards
$105
Show Offer Details
Offer Summary

  • Earn 30,000 bonus points upon your first purchase within 60 days of your account open date

  • Redeem for travel anywhere, anytime, with no travel restrictions.

  • Use your points to purchase travel online or over the phone through Scotiabank's full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase

  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages

  • Comprehensive Travel Insurance

  • Premium Concierge Services

  • Access to Priority Pass Lounges worldwide

  • VIP Pass for exclusive access to global events

  • Complimentary Hertz #1 Club Gold Membership
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $399
Annual Fee After First Year: $399

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Scotiabank VISA Business

$75
per year  
1% 
cash back on all purchases 
N/A 
 
Net Rewards
$105
Show Offer Details
Offer Summary

  • The annual fee for Scotiabank VISA Business Cards is based on the type of card (Gold or Silver) and the currency (CAD or USD) you select to suit your cardholder and business needs.

  • CAD Program Silver $75 CAD Gold $105 CAD

  • USD Program Silver $75 USD Gold $105 USD

  • With our Canadian dollar program, your business will receive up to 1% cash back annually per card based on spending levels. The cash goes directly into your Business Account. There's no limit to the rewards you can earn and how you spend the cash back is up to you.

  • The Scotiabank VISA Business Card program helps...
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.8%
Cash Advance Interest Rate: 19.80%%
Balance Transfer Interest Rate: 19.80%%
First Year Annual Fee: $75
Annual Fee After First Year: $75

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

American Express® Business Gold Rewards

$250
1st year free, $250 after  
point per $1 
30,000 
Welcome bonus points 
Net Rewards
$180
Show Offer Details
Offer Summary

  • Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.

  • Earn 1 point for every dollar in purchases charged to the Card. Plus, there is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your card. Then you can reedeem points for a statement credit.

  • You can maximize your cash flow with up to 55 interest-free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you're at it.

  • Take advantage of purchasing...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: %
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: %
First Year Annual Fee: $0
Annual Fee After First Year: $250

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Presidents Choice Financial World MasterCard

$0
no fee  
35 
points per $1 
125 
points per $1 at Shoppers 
Net Rewards
$180 Apply Now on PC Financial's
secure website
Show Offer Details
Offer Summary

  • Apply for a new PC Financial Mastercard® and earn up to 125 PC Optimum per $1* spent at Shoppers Drug Mart for the rest of the year.

  • No annual fee

  • All PC Optimum members earn 15 points per dollar at Shoppers Drug Mart and Pharmaprix. When you use your President’s Choice Financial World Mastercard you will earn an additional points 20 points per dollar.

  • Earn 20 PC Optimum points for every $1 spent at almost 2,500 stores across the country. Visit pcoptimum.ca for details on participating stores where the PC Optimum program is offered.

  • Earn 10 PC Optimum points for every $1 spent everywhere else.
  • ...
Card Facts

Network:
Institution: PC Financial
Type:

Fees & Interest

Purchase Interest Rate: %
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: 22.97%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $60000
Household Income: $100000
Credit Needed:

RBC Cash Back MasterCard

$0
no fee  
2% 
cash back up to 6K 
N/A 
 
Net Rewards
$180 Apply Now on RBC Royal Bank's
secure website
Show Offer Details
Offer Summary

  • Earn 2% cash back credits† on grocery store purchases.

  • Earn up to 1% cash back credits† on all other purchases and pre-authorized payments* made with your RBC Cash Back MasterCard.

  • Cash back credits accumulate automatically and appear on your monthly statement. You won't have to keep track of points.

  • Benefit from MasterCard's worldwide acceptance and the added convenience of MasterCard PayPass‡ - a new "contactless" way to pay. It is like having exact change wherever you go; a simple tap of your card is all it takes to pay at the checkout.

  • Additional cards for co-applicants and authorized users at no extra cost.
Card Facts

Network:
Institution: RBC Royal Bank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $0
Credit Needed:

CIBC Tim Hortons Double Double Visa

$0
no fee  
point per $1 
1% 
Tim Cash for every $1 spent 
Net Rewards
$200 Apply Now on CIBC's
secure website
Show Offer Details
Offer Summary

  • Earn 1% back in Tim Cash for every dollar spent on purchases

  • Receive $20 in Tim Cash as a Welcome Bonus when you spend $200 anywhere

Card Facts

Network:
Institution: CIBC
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $15000
Credit Needed:

TD Platinum Travel Visa

$99
per year  
point per $1 on Travel 
15,000 
TD Points on your 1st purchase  
Net Rewards
$246 Apply Now on TD's
secure website
Show Offer Details
Offer Summary

  • Earn a Welcome Bonus of 15,000 TD Points following your first purchase (that's worth $75 towards any travel)

  • Earn 3 TD Points for every $1 you spend on Purchases using your Card (equivalent to a 1.5% return on your purchase)

  • Earn 4 TD Points when you book travel over the phone through either Expedia® For TD (that's a 2% return on your travel purchases!)

  • Earn 6 TD Points when you book travel online through Expedia® For TD (that's a 3% return on your travel purchases!)
Card Facts

Network:
Institution: TD
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $99
Annual Fee After First Year: $99

Eligibility

Personal Income: $
Household Income: $0
Credit Needed:

CIBC Dividend Platinum VISA

$99
per year  
4% 
cash back on categories 
N/A 
 
Net Rewards
$279 Apply Now on CIBC's
secure website
Show Offer Details
Offer Summary

  • Earn 4% cash back at the gas station and grocery store

  • No limit on the total cash back you can earn

  • Earn 2% cash back at Tim Hortons® and TELUS® 1% cash back on all other purchases
Card Facts

Network:
Institution: CIBC
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $99
Annual Fee After First Year: $99

Eligibility

Personal Income: $
Household Income: $15000
Credit Needed:

American Express Cobalt

$120
per year  
points per $1 on categories 
30,000 
Membership Rewards points 
Net Rewards
$600 Apply Now on American Express's
secure website
Show Offer Details
Offer Summary

  • $10 per month of credit card membership ($120 annually)

  • In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year.

  • Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada

  • Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That’s 2X the points on purchases that get you from point A to B
  • ...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 3.00%%
First Year Annual Fee: $120
Annual Fee After First Year: $120

Eligibility

Personal Income: $
Household Income: $0
Credit Needed: