Credit Cards

How do credit cards work? Should you get a travel card, cash-back card or something else? Browse top card picks, read expert reviews and learn how to apply — all on NerdWallet.

Best Overall Cards

Best Cash Back Cards

Best Travel Cards

Best Cards for Bad Credit

Best Rewards Cards

Best No-Fee Cards

Best Balance-Transfer Cards

Best Business Cards

Best Low-Interest Cards

Best No FX Fee Cards

Check out the Points Pulse, our roundup of the latest in travel rewards and Canadian credit card news.

We keep tabs on shifting perks, fresh promos and loyalty news so you can stay in the know and make the most of your points.

Getting started with credit cards

Student Credit Cards in Canadaby Shannon Terrell, Georgia RoseStudent credit cards with low or no annual fees, simple rewards and credit-building features — curated to help students get value now while building credit for the future.

Best Credit Cards to Rebuild Credit in Canada

Georgia Rose

Check out the best cards to rebuild your credit in Canada, according to NerdWallet’s analysis.

Best Credit Cards for Newcomers to Canada

Georgia Rose

Newcomers to Canada with little to no credit history may be eligible for a credit card. Check out the best credit cards for newcomers to help narrow down your options.

Best Secured Credit Cards in Canadaby Georgia Rose, Shannon TerrellCanada’s best secured credit cards are easier to qualify for than traditional credit cards, helping build credit history and repair bad credit.

Best Prepaid Credit Cards in Canadaby Georgia Rose, Shannon TerrellThe best prepaid cards are reloadable, earn rewards, have minimal fees, and allow you to make in-store purchases, pay bills online, send e-transfers and more.

Credit cards to maximize everyday spending

Best Grocery Credit Cards in Canada

Shannon Terrell

Best Gas Credit Cards in Canada

Shannon Terrell

These gas credit cards help you fill up on rewards each time you top up your gas tank.

Best Store Credit Cards in Canada

Shannon Terrell

Compare the top store credit cards in Canada and access exclusive rewards and perks for shopping at your favourite retailers.

Credit card calculators

Credit Card Interest Calculator

See how much interest you’ll owe if you carry a credit card balance.

Credit Card Repayment Calculator

Fnd out how long it’ll take to pay off your balance.

Compare cards from different networks

Best American Express Cards in Canada

Shannon Terrell

Discover the best American Express credit cards in Canada to earn cash back, Amex Membership Rewards, and Aeroplan points.

Best Visa Credit Cards in Canada

Shannon Terrell

Best Mastercard Credit Cards in Canada

Shannon Terrell

The best Mastercards in Canada offer a wide range of rewards and benefits, from no-fee cards to premium World Elite options.

Take your credit card skills to the next level

Credit card terms and conditionsKnowing how to find and interpret a credit card's terms and conditions will help you use it more confidently.

How to stack credit card rewardsMaximize your credit card rewards and earn more cash back by using spending categories to your advantage. Double up on offers and get exclusive perks.

Should you share a credit card?Sharing a credit card with a spouse or family member can help you save on fees, build credit scores and more. Just make sure you know the risks and potential benefits of joint credit cards and authorized users.

AIR MILES Credit Cards in Canada: 2026 Update

Shannon Terrell

BMO AIR MILES credit cards are closed to new applicants as the program transitions to Blue Rewards in 2026. Here’s what cardholders need to know and alternatives to consider.

Best Metal Credit Cards in Canadaby Shannon Terrell, Athena CocovesMetal cards (often stainless steel or titanium) are mostly about feel and durability, but many are tied to premium perks — and higher costs.

Guide to Aeroplan Credit Cards in Canada

Shannon Terrell

Aeroplan credit cards earn points for Air Canada’s loyalty program on every purchase. Aeroplan points have an average value of 1.60 cents per point.

Read our credit card reviews

SimplyCash Preferred Card from American Express Review: Is It Worth It?by Georgia Rose, Clay Jarvis

TD Cash Back Visa Infinite Review 2026: Is It Worth It?by Shannon Terrell, Georgia Rose

Scotia Momentum Visa Infinite Card Review: Is It Worth It?

Georgia Rose

BMO Ascend World Elite Mastercard Review: Is It Worth It?

Georgia Rose

Simplii Financial Credit Card Review: Is It Worth It?

Shannon Terrell

Tangerine World Mastercard Review: Is It Worth It?by Shannon Terrell, Georgia Rose

Credit card basics

What Are The Different Types of Credit Cards?

There are many types of credit cards on the market. Choose the right card for your finances by understanding how features and fees may vary. Read more.

How to Apply for a Credit Card in Canada: A Complete Guide

When applying for a credit card, issuers typically consider your age, income and credit score. Check out our guide on how to get a credit card before you start the process. Read more.

The Most Common Types of Credit Card Fees and Charges

If you use a credit card, you’ll likely run into a range of fees and charges. Here are the most common ones in Canada, when they apply, and how to avoid paying more than necessary. Read more.

What to Know About Your Credit Card Limit

Your credit card limit is the maximum unpaid balance you can have at any given time. Read more.

How Credit Card Interest Rates Work in Canada

Credit card interest rates vary by the type of credit card and transaction. How much interest you pay is based on your creditworthiness and how you use your cards. Read more.

How Credit Card Balance Transfers Work in Canada

A balance transfer moves debt from a high-interest credit card to one with a lower rate. That can save you money and help you get out of debt faster — but only if you can pay it down before the promo rate ends. Read more.

How to Cancel a Credit Card

To cancel your credit card with minimal impact to your credit score, follow these step-by-step instructions. Read more.

Credit Cards

Check out the Points Pulse, our roundup of the latest in travel rewards and Canadian credit card news.

Getting started with credit cards

Credit cards to maximize everyday spending

Credit card calculators

Compare cards from different networks

Take your credit card skills to the next level

Credit cards for your next adventure

Read our credit card reviews

Credit card basics