The Best 10 Credit Cards in Canada for 2025

With hundreds of credit cards on the Canadian market, choosing the right one can feel overwhelming. Whether you're after cash back, travel rewards, low interest, or premium perks, 2025 offers a strong lineup of credit cards tailored to every kind of spender.

At Rewards Wise, we've analyzed dozens of cards across all major issuers and compiled a list of the top 10 credit cards in Canada for 2025. These selections are based on rewards value, welcome bonuses, annual fees, and user experience.

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1. American Express Cobalt® Card

Best for: Food & Travel Rewards Annual Fee: $156 (charged monthly at $13) Welcome Bonus: Up to 15,000 points Key Perks:

• 5x points on dining and food delivery
• 3x on streaming services
• 2x on travel and transit
• 1x on everything else
• Access to Amex Offers and Front of the Line® presales

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2. Scotiabank Gold American Express® Card

Best for: No foreign transaction fees Annual Fee: $120 Welcome Bonus: Up to 40,000 Scene+ points Key Perks:

• 5x points on groceries, dining, and entertainment
• 3x on gas, transit, and streaming
• 0% foreign exchange fees
• Extensive travel insurance coverage

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3. TD® Aeroplan® Visa Infinite Card

Best for: Air Canada travelers Annual Fee: $139 (rebated in first year) Welcome Bonus: Up to 50,000 Aeroplan points Key Perks:

• Free checked bag on Air Canada
• Preferred pricing on Aeroplan flight rewards
• Comprehensive travel insurance

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4. CIBC Dividend® Visa Infinite Card

Best for: High cash back on everyday spending Annual Fee: $120 (rebated in first year) Welcome Bonus: 10% cash back for first 4 months (up to $200) Key Perks:

• 4% on gas and groceries
• 2% on dining, transportation
• 1% on everything else

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5. Rogers™ World Elite® Mastercard®

Best for: Cash back on foreign currency Annual Fee: $0 Welcome Bonus: $25 after first purchase Key Perks:

• 1.5% cash back on all purchases
• 3% on U.S. dollar purchases
• Free Boingo Wi-Fi, travel insurance

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6. BMO Eclipse Visa Infinite Card

Best for: Flexible rewards and lifestyle perks Annual Fee: $120 Welcome Bonus: Up to 60,000 BMO Rewards points Key Perks:

• 5x points on groceries, dining, gas, and transit
• $50 annual lifestyle credit
• Visa Infinite benefits

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7. Simplii Financial™ Cash Back Visa Card

Best for: No-fee cash back Annual Fee: $0 Welcome Bonus: Up to 10% cash back in first 4 months Key Perks:

• 4% on groceries
• 1.5% on gas, restaurants, pre-authorized payments
• 0.5% on all other purchases

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8. American Express® Aeroplan® Reserve Card

Best for: Frequent flyers and premium perks Annual Fee: $599 Welcome Bonus: Up to 90,000 Aeroplan points Key Perks:

• Maple Leaf Lounge™ access
• Priority check-in and boarding
• Strong earn rate on Air Canada purchases

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9. Neo Credit Card (Cash Back Edition)

Best for: Customizable cash back with no annual fee Annual Fee: $0 Welcome Bonus: Up to 15% cash back at select partners on first purchases Key Perks:

• Earn up to 5% or more cash back at local Neo partners
• Customize your rewards based on your spending habits
• No annual fee, great for students and newcomers
• Integrates seamlessly with Neo Money for unified financial tracking

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10. PC® Financial World Elite Mastercard®

Best for: Everyday shoppers at Loblaws-affiliated stores Annual Fee: $0 Welcome Bonus: In-store targeted offers Key Perks:

• 30 PC Optimum points per $1 at Shoppers Drug Mart
• 10 points per $1 at Loblaw stores and Esso/Mobil
• No annual fee with solid rewards

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How Rewards Wise Helps You Track These Cards

Choosing the right card is only half the battle—maximizing its benefits is where the real value lies. Rewards Wise helps Canadian users keep track of welcome bonuses, monitor annual fees, and even alert you before benefits expire. Sync your cards, and let the app do the heavy lifting so you never miss a point or perk.

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Final Thoughts

The best credit card for you depends on your lifestyle, spending habits, and travel goals. Whether you’re a points enthusiast, a casual spender, or a globe-trotter, 2025 offers more choices than ever.

Before applying, consider your credit score, check if you’re pre-approved, and always read the fine print. And if you want to take your rewards game to the next level, download Rewards Wise today and take control of your credit card strategy.