Bank card comparability device
Evaluate your Visa choices with our interactive device and filter bank cards primarily based on rewards worth, annual charges, revenue necessities and extra.
Why belief us
MoneySense is an award-winning journal, serving to Canadians navigate cash issues since 1999. Our editorial group of skilled journalists works intently with main private finance specialists in Canada. That can assist you discover one of the best monetary merchandise, we evaluate the choices from over 12 main establishments, together with banks, credit score unions and card issuers. Be taught extra about our promoting and trusted companions.
The very best Visa playing cards by class
As the most important bank card firm on the planet, Visa is a stable selection for any Canadian wanting the peace of mind of extensive card acceptance each at house and overseas—Visa playing cards are accepted in additional than 200 nations and territories. However which Visa must you select? This information to one of the best Visa playing cards in Canada will aid you resolve.Â
| Finest playing cards by class | Highlights | Particulars | Eligibility necessities |
|---|---|---|---|
| FEATURED CIBC Dividend Visa Infinite  GO TO SITE |
Award: Finest money again Visa
Finest function: Between 2% and 4% money again throughout 5 main spending classes, plus simple redemptions |
Annual payment: $120
Rewards: 1% to 4% money again Rates of interest: 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
Earnings: $60,000 (private) or $100,000 (family)
Credit score rating: 725 or increased |
| FEATURED Simplii Monetary Money Again Visa  GO TO SITE |
Award: Finest no-fee money again Visa
Finest function: Good for eating out, with 4% money again on restaurant, bar and occasional store purchases |
Annual payment: $0
Rewards: 0.5% to 4% money again Rates of interest: 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
Earnings: $15,000 (private)
Credit score rating: 660 or increased |
| FEATURED TD First Class Journey Visa Infinite Card  GO TO SITE |
Award: Finest journey rewards Visa
Finest function: Robust return on spending when reserving with Expedia for TD, plus an annual $100 journey credit score |
Annual payment: $139
Rewards: 2 to eight TD Rewards factors per greenback Rates of interest: 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
Earnings: $60,000 (private) or $100,000 (family)
Credit score rating: 680 or increased (really useful) |
| FEATURED TD Aeroplan Visa Infinite Card  GO TO SITE |
Award: Finest airline journey bank card (Aeroplan)
Finest function: Excessive earn charges on gasoline, groceries and Air Canada purchases, simple redemptions and a $100 Nexus payment rebate each 2 years |
Annual payment: $139
Rewards: 1 to 1.5 Aeroplan factors per greenback Rates of interest: 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
Earnings: $60,000 (private) or $100,000 (family)
Credit score rating: 680 or increased (really useful) |
Flexi Visa LEARN MORE |
Award: Finest low-interest Visa
Finest function: A low 10.90% rate of interest on purchases, with no annual payment |
Annual payment: $0
Rewards: None Rates of interest: 10.90% on purchases and 12.90% on money advances |
Earnings: None specified
Credit score rating: None specified |
How we decide one of the best Visa playing cards
MoneySense editors begin by arising with a listing of the greatest general bank cards in Canada. If the highest card in Canada for a given class is a Visa, we could select to incorporate it on this web page. And if our prime choose is a Mastercard or American Categorical card, then we glance to the next-best card, and so forth, till we discover one of the best Visa bank card for every class on this checklist. Since every class is exclusive, we use completely different choice standards every time. The addition of hyperlinks from affiliate companions has no bearing on the outcomes. Learn extra about our choice course of and about how MoneySense makes cash.
Finest money again Visa
At a look: Take the sting out of rising costs with the CIBC Dividend Visa Infinite’s return of 4% money again on gasoline, EV charging and groceries, and a pair of% again on every day transit (together with rideshares and public transit), eating and recurring funds. You’ll additionally get perks like journey medical and rental automobile collision insurance coverage.
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CIBC Dividend Visa Infinite
Annual payment: $120 (rebated first 12 months)
Welcome supply: Earn 10% money again (as much as $300 in money again in your first 4 statements), plus a first-year annual payment rebate. Supply not obtainable to Quebec residents.
Card particulars
| Rates of interest | 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
| Earnings required | Private revenue of $60,000 or family revenue of $100,000 |
| Credit score rating | 725 or increased |
Honourable point out
At a look: The Scotiabank Momentum Visa Infinite is our runner-up for one of the best money again Visa for its sturdy buy and journey safety, in addition to its excessive earn charges—4% on groceries and recurring payments, 2% on gasoline and every day transit (together with public transit, taxis and rideshares), and 1% on all different purchases.
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Scotiabank Momentum Visa Infinite
Annual payment: $120
Welcome supply: Earn 10% money again on all purchases for the primary 3 months (as much as $2,000 in whole purchases). Supply ends June 30, 2025.
Card particulars
| Rates of interest | 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
| Earnings required | Private revenue of $60,000 or family revenue of $100,000 |
| Credit score rating | 725 or increased |
Finest no-fee money again Visa
At a look: The no-fee Simplii Monetary Money Again Visa affords 4% money again on purchases at eating places, bars and occasional retailers, making it a prime choose for individuals who wish to dine out. The 1.5% return on gasoline, groceries and drugstore purchases can be respectable.
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Simplii Monetary Money Again Visa
Annual payment: $0
Welcome supply: Earn 10% money again on eligible eating places, meals supply and bar purchases to your first 4 months (on the primary $500 in purchases). Phrases and situations apply. (Not obtainable for residents of Quebec.)
Card particulars
| Rates of interest | 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
| Earnings required | $15,000 per 12 months |
| Credit score rating | 660 or increased |
Finest journey rewards Visa
At a look: When utilized in live performance with the Expedia for TD website, the TD First Class Journey Visa Infinite card will help you rack up main journey factors that may be redeemed simply for a variety of journey rewards. This program retains it easy with no blackout dates, no seat restrictions and no expiry to your factors. As one other stable perk, get a $100 annual journey credit score while you spend greater than $500 on Expedia for TD.
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TD First Class Journey Visa Infinite Card
Annual payment: $139 (waived first 12 months)
Welcome supply: Earn as much as $1,000 in worth, together with as much as 135,000 TD Rewards factors and no annual payment for the primary 12 months. Circumstances apply. Account have to be permitted by January 6, 2025.
Card particulars
| Rates of interest | 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
| Earnings required | Private revenue of $60,000 or family revenue of $100,000 |
| Credit score rating | 680 or increased (really useful) |
| Anniversary bonus | Earn an annual birthday bonus of 10% of your earlier 12 months’s factors (as much as 10,000 factors). |
| Level worth | 1 TD Rewards level = $0.005 when redeemed for journey through Expedia For TD or $0.004 when redeemed via different suppliers and web sites. |
Finest airline journey bank card
For Aeroplan
At a look: If Air Canada is your airline of selection, check out the TD Aeroplan Visa Infinite Card. It offers you entry to quite a few airline perks, and with Aeroplan’s journey rewards chart and most popular pricing coverage, you will get nice worth to your factors—if you understand how to play the factors sport.
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TD Aeroplan Visa Infinite Card
Annual payment: $139 (waived first 12 months)
Welcome supply: Earn as much as $1,500 in worth, together with as much as 50,000 Aeroplan factors and no annual payment for the primary 12 months. Circumstances apply. Account have to be permitted by Jan. 6, 2025.
Card particulars
| Rates of interest | 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
| Earnings required | Private revenue of $60,000 or family revenue of $100,000 |
| Credit score rating | 680 or increased (really useful) |
| Level worth | Aeroplan factors are price $0.02 on common. |
Execs
- Versatile redemption: Use Aeroplan factors for each Air Canada seat with out restrictions or blackout intervals. Plus, in contrast to most airline loyalty packages, you need to use factors on a number of airways within the Star Alliance program, together with United Airways and Lufthansa.Â
- Aeroplan perks: Earn Aeroplan Standing Qualifying Miles with on a regular basis purchases, permitting you to progress in Aeroplan standing and get entry to perks like precedence seat choice, complimentary checked baggage and airport lounge entry.Â
- Nexus payment rebate: Get a rebate in your Nexus customs journey software as soon as each 48 months (price $100).Â
- In depth journey insurance coverage: Contains complete protection, together with lodge and motel housebreaking insurance coverage.
Cons
- Restricted airline redemptions: Because the TD Aeroplan Visa Infinite Card is an airline loyalty card, you possibly can’t redeem factors for flights on simply any airline.
- Complicated rewards program: You get a number of worth with Aeroplan, however factors are redeemed in keeping with a flight reward chart, together with particular journey zones. Although this will help maximize the worth of your rewards, it’s not probably the most intuitive program for newbie collectors.
Finest low-interest Visa
At a look: The Flexi Visa from Desjardins credit score union is a brilliant monetary device for these trying to get bank card debt below management. It affords a low buy rate of interest of 10.90%, in addition to a low money advance price of 12.90%. Plus, it has some extra perks like journey insurance coverage, choose rental automobile reductions and cellular machine insurance coverage—all for no annual payment.
Flexi Visa
Annual payment: $0
Low rates of interest: 10.90% on purchases and 12.90% on money advances
Card particulars
| Rates of interest | 10.90% on purchases and 12.90% on money advances |
| Earnings required | Not specified |
| Credit score rating | Not specified |
Visa and OpenTable
Should you’re a Visa Infinite cardholder, you would possibly need to hold your eye out for a immediate the following time log into your OpenTable account. Visa has partnered with the restaurant reservations on-line service to supply precedence bookings for cardholders for hard-to-get-into spots and new locations foodies ought to attempt. (And for those who don’t have the cardboard, this will have simply made getting your reservation a bit tougher.) Right here’s the checklist of Canadian eating places concerned within the new VIP reservation program.
- Toronto: Alder, Alo Restaurant, Alobar Yorkville, Aloette, ARDO Restaurant, Bar Isabel, Bar Prima, Blue Bovine Steak + Sushi Home, Dailo, DaNico, Don Alfonso 1890, Enigma Yorkville, Giulietta, Lucie, Mimi Chinese language, Osteria Giulia, Piano Piano, Quetzal, Richmond Station, Simpl Issues, Sunny’s Chinese language, Vela Toronto, Yugen Sushi, and Yukashi Japanese Delicacies.       Â
- Vancouver: Acquafarina, AMA, Autostrada, Barbara Restaurant, Bravo, Botanist, Capo & The Spritz, Dovetail, Fiorino, Hawksworth, Le Crocodile, Mott 32, Foyer, Nammos Estiatorio, Nightingale, Per Se Social Nook, Selene Aegean Bistro, Music, and The Acorn.       Â
- Calgary and Southern Alberta: änkôr, Bar Chouette, Donna Mac, DOPO, Fortuna’s Row, LUPO Italian Ristorante & Patio, Orchard, Proof, River Café, Rodney’s Oyster Home.                       Â
- Montreal: Alma, Anémone, Bar St-Denis, Damas Restaurant, Garde Manger, Hoogan & Beaufort, Île Flottante, Joe Beef, Kitano Shokudo, Le 9e, Le Vin Papillon, Les Mômes, Liverpool Home, Park Restaurant, Salle Climatisée, and Tinc Set.
—Lisa Hannam