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Published January 30, 2023

Best Visa Credit Cards in Canada

To choose the best Visa card for your needs, consider the types of cards, card tiers, eligibility requirements and benefits.

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

Visa credit cards are widely accepted both in Canada and outside the country. If you’re looking for a new one, options abound — which is good because there’s no such thing as a single “best” Visa card for everybody. To decide which card is best for you, consider your spending, debt and rewards preferences. 

Here are our top picks for credit cards on the Visa network.


The best Visa credit cards in Canada

Best airline card + our favourite TD Bank Visa

TD® Aeroplan® Visa Infinite* Card

TD® Aeroplan® Visa Infinite* Card
  • Annual Fee
    $139
    Waived first year
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    1x-1.5x Points
  • Intro Offer
    Up to 55,000 Points
Our Take
Why we like it

The TD Bank Aeroplan Visa Infinite Card provides access to exclusive food, golf and drink experiences, making it an excellent choice for shoppers with a taste for the finer things. The $7,500 spending target in the first year should put the introductory point offers within reach for many cardholders.

Pros
  • A low annual fee and unique perks, including 10% off car rentals at Avis and Budget.
  • Earn points twice when you provide your Aeroplan number.


Cons
  • Opportunities for earning more than 1.5x the points are rather limited.
  • Some perks, like a once-every-four-years NEXUS rebate, might not blow your hair back.
Product Details
  • Intro offer details: Earn up to 55,000 Aeroplan points†. Plus, first year no Annual Fee†. Conditions Apply. Must apply by May 28, 2023.
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by May 29, 2023.
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
  • Earn 1 point† for every $1 spent on all other Purchases made with your Card.
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Interest Rates: 20.99% on purchases and 22.99% on cash advances.
  • Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
  • Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
  • Complimentary Visa Infinite Concierge†: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
  • Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
  • Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
  • To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.
  • †Terms and conditions apply.
  • This offer is not available for residents of Quebec.
  • The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

Best Visa card for rewards on travel bookings

TD First Class Travel® Visa Infinite* Card

TD First Class Travel® Visa Infinite* Card
  • Annual Fee
    $139
    Waived first year
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    2x-8x Points
  • Intro Offer
    Up to 145,000 Points
Our Take
Why we like it

With a large welcome bonus and accelerated earn rate on travel booked through ExpediaForTD.com, the TD First Class Travel® Visa Infinite* Card is perfect for travellers aiming to score free flights and hotel visits.

Pros
  • A generous welcome bonus worth up to $1,000 in value.
  • Travel expenses eligible for redemption include more than just hotel stays and flights – baggage fees, airport parking, car rentals, cruises, travel attractions, entertainment and more are all fair game.


Cons
  • This card doesn’t have as many travel perks as others on the list, but you can quickly earn free flights and hotel stays.
  • No free airport lounge access — you only receive an annual discount on a Priority Pass lounge membership.
Product Details
  • Earn up to 145,000 TD Rewards Points† plus, first year no Annual Fee for the Primary and Additional Cardholders†. Conditions Apply. Must apply by May 28, 2023.
  • Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
  • Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
  • Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†.
  • Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
  • No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
  • Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
  • Interest Rates: 20.99% on purchases and 22.99% on cash advances.
  • Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
  • Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
  • Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
  • Option to purchase TD Auto Club Membership†: and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
  • Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
  • Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
  • To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
  • †Terms and conditions apply.
  • This offer is not available for residents of Quebec.
  • The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

Best for rewards on daily spending

BMO eclipse Visa Infinite* Card

BMO eclipse Visa Infinite* Card
  • Annual Fee
    $120
    Waived first year
  • Interest Rates
    20.99% / 23.99%
  • Rewards Rate
    1x-5x Points
  • Intro Offer
    Up to 60,000 Points
Our Take
Why we like it

The BMO eclipse Visa Infinite* Card boasts a generous intro offer, competitive rewards rates on popular daily spending categories and point-boost incentives for adding an authorized user.

Pros
  • You can earn up to 10% more points by adding an authorized user to your account.
  • Mobile device insurance up to $1,000.


Cons
  • Limited travel insurance may disappoint frequent travellers.
  • The bonus rewards rate drops down to the 1x flat rate after a $50,000 annual spend. Considering how many categories fit into the cap, hitting the limit will be easy for families and big spenders.
Product Details
  • Welcome offer: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year – that’s a $570 value in your first year!*
  • Earn 5x the BMO Rewards points on groceries, dining, gas and transit.*
  • Get 1 BMO Reward for every $1 spent on everything else.*
  • Get a $50 annual lifestyle credit to spend however you want.*
  • Mobile Device Insurance that covers you for up to $1,000.*
  • Earn 10% more points when you add an authorized user to your account.*
  • Pay with Points by browsing your recent transactions & redeem your points for as little as $1.
  • *Terms and conditions apply.
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Best Visa card for bad credit

Home Trust Secured Visa (No annual fee)

Home Trust Secured Visa (No annual fee)
  • Annual Fee
    $0
  • Interest Rates
    19.99%
  • Min. Deposit
    $500
  • Maximum Deposit
    $10,000
Our Take
Why we like it

The Home Trust Secured Visa offers a straightforward, no-frills experience for credit builders. Plus, there are two secured credit card options to fit a variety of needs: a no-fee card, and a low-interest card with a $59 annual fee.

Pros
  • No annual fee.
  • Payments are reported to both credit bureaus.


Cons
  • You’ll need to budget for the $500 minimum deposit.
  • No ability to earn rewards on purchases.
Product Details
  • No annual fee.
  • Lower interest rate available for a $59 annual fee.
  • $500 minimum security fund deposit required.
  • $10,000 maximum security fund deposit.
  • Hard credit checks are made on Home Trust Secured Visa applications.
  • Credit activity, including every payment, is reported to TransUnion and Equifax, the two major consumer credit bureaus in Canada.
  • Ability to upgrade to an unsecured credit card.
  • Manage your account and billing online.
  • Cardholders can choose between a card with no annual fee and 19.99% interest or an annual fee of $59 and 14.90% interest.
  • Protection against fraud through Visa’s Zero Liability Policy.
  • Preferred rates: 19.99% for purchases and cash advances.
  • To be eligible, you must have a source of income and cannot currently be in bankruptcy. You must also be a Canadian resident of the age of majority in the province or territory where you live. The Home Trust Secured Visa Card is not available to Québec residents.

Best overall Visa card

Scotia Momentum® Visa Infinite* Card

Scotia Momentum® Visa Infinite* Card
  • Annual Fee
    $120
    Waived first year
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    1%-10%
  • Intro Offer
    Up to $200
Our Take
Why we like it

Earn up to $1,000 in cash back on grocery shopping and recurring bill payments with a 4% rewards rate in both categories.

Pros
  • It’s rare for a credit card to offer 4% cash back on two major spending categories. It’s even rarer to set a $25,000 annual limit to that 4% — a $1,000 value — before reverting to the healthy 1% base rate.
  • You can waive the $120 annual fee every single year by using the Scotiabank Ultimate Package.


Cons
  • The cash back earned is hands-off. You have to wait until November, and then it’s only redeemable as a statement credit. If you have a Scotiabank account, that annual payout can be deposited into your bank account.
  • The 4% rate won’t mean much to you if you don’t buy a lot of groceries or often buy your food at somewhere that Visa doesn’t classify as a grocery store or supermarket, such as Canadian Tire, FreshCo, London Drugs, Walmart and No Frills.
Product Details
  • SPECIAL OFFER: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Offer ends April 30, 2023.
  • Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
  • Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
  • Earn 1% cash back on all other purchases with no cash back limit.
  • Redeem cash back as a statement credit in November.
  • Visa Infinite benefits, including Visa Infinite* Concierge, Visa Infinite* Luxury Hotel Collection, Visa Infinite* Dining Series, and entertainment and lifestyle offers.
  • Save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S.
  • Access to Scotia SelectPay™.
  • To be eligible, $60,000 (individual) or $100,000 (household) annual income is required, or $250,000 minimum assets under management. Also, you must have a Canadian credit file and be a Canadian resident that is the age of majority in the province or territory where you live.
  • Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

Best student-friendly Visa points card

RBC ION+ Visa Credit Card

RBC ION+ Visa Credit Card
  • Annual Fee
    $48
  • Interest Rates
    19.99% / 22.99%
  • Rewards Rate
    1x-3x Points
  • Intro Offer
    12,000 Points
Our Take
Why we like it

One of RBC’s newest offerings, the RBC ION+ Visa is a solid, low-fee rewards card with generous earning rates on daily spending.

Pros
  • Earn unlimited 3x on a variety of common spending categories, like groceries, gas, food delivery, and even digital gaming.
  • Get a monthly fee rebate every month when you have an RBC Signature No Limit Banking or RBC Advantage Banking for students account.


Cons
  • Limited insurance offerings, but mobile device insurance is included.
Product Details
  • Enjoy 12,000 Avion points upon approval. Apply by April 3, 2023.^
  • Earn 3X Avion points for every $1 spent¹ on:
  • Grocery, Dining & Food Delivery – Satisfy your taste buds by earning points on groceries, dining out, food delivery.ⁱ
  • Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging.ⁱⁱ
  • Streaming, Digital Gaming & Subscriptions– Stay entertained while earning points on streaming, gaming, eligible digital subscriptions, eligible digital downloads, and in-game purchases.ⁱⁱⁱ
  • Earn 1 Avion point for every $1 spent on all other qualifying purchases.¹
  • Annual Fee $48² ($4 charged monthly).
  • Pay With Points – Redeem your Avion points to pay bills, your credit card balance or even send money to friends with Interac e-Transfer⁴. Minimum redemption is only $10, so you can use your points where you need them most.
  • Save at Petro-Canada – Save 3¢/L on fuel and earn 20% more points when you pay with a linked RBC card.⁶
  • Earn more Be Well points at Rexall – Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC card and scan your Be Well card.⁷
  • Save Big on Delivery with DoorDash – Get a 3-month complimentary DashPass subscription – a value of almost $308. Enjoy unlimited deliveries with $0 delivery fees on qualifying orders of $15 or more when you pay with your eligible RBC credit card⁹. See how to save with DoorDash.
  • Enjoy a Monthly Fee Rebate – Get a $4 rebate¹⁰ each month ($48/year) on the monthly fee of your credit card when you have an RBC Signature No Limit Banking or RBC Advantage Banking for students account.
  • Mobile Device Insurance⁵ Included – Get 2 years of coverage up to $1,000 in the event your mobile device such as your cell phone is lost, stolen, accidentally damaged or experiences mechanical failure when you purchase your mobile device with this credit card.
  • Purchase Security and Extended Warranty Insurance⁵ – Automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and doubles the manufacturer’s original Canadian warranty by up to one additional year, to a maximum of five years.
  • Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

Best Visa card for beginners and newcomers to Canada

Scotiabank® Scene+™ Visa* Card

Scotiabank® Scene+™ Visa* Card
  • Annual Fee
    $0
  • Interest Rates
    19.99% / 22.99%
  • Rewards Rate
    1x-2x Points
  • Intro Offer
    Up to 10,000 Points
Our Take
Why we like it

Perfect for movie-goers, you’ll earn Scene+ points on everyday spending and 2x the points each time you make a Cineplex purchase. Points can be redeemed for more than just movie tickets — rewards include merchandise, dining, entertainment, airfare and even hotel stays.

Pros
  • No annual fee.
  • Earn up to 10,000 Scene points within the first year.
  • Flexible point redemption program.


Cons
  • Insurance coverage isn’t included — it must be opted into.
  • No option to earn cash back.
Product Details
  • Earn up to 10,000 bonus Scene+ points within your first year.¹ Offer ends April 30, 2023.
  • Earn 2x Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com
  • Earn 1x Scene+ point for every $1 you spend on your everyday credit card purchases.
  • You’ll earn 2X Scene+ points for each dollar charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà  by IGA, Voilà  by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op. 
  • Redeem Scene+™* points for travel, shopping, entertainment, dining, banking, and more.
  • As a SCENE®* Visa* Cardholder, you can save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your SCENE®* Visa* card.
  • No annual fee.
  • Preferred rates: 19.99% for purchases, 22.99% for cash advances.
  • To be eligible, $12,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
  • Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

Best Visa card for no foreign transaction fees

Scotiabank Passport™ Visa Infinite* Card

Scotiabank Passport™ Visa Infinite* Card
  • Annual Fee
    $150
    Waived first year
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    1x-3x Points
  • Intro Offer
    Up to 40,000 Points
Our Take
Why we like it

The Scotiabank Passport Visa Infinite Card offers competitive earn rates and easy-to-understand redemption on travel — 1 point equals 1 cent in travel savings.

Pros
  • Complimentary Priority Pass membership, with six free airport lounge visits included every year, which is more than typically included with a credit card.
  • No foreign transaction fees.


Cons
  • The accelerated rate on travel purchases only lasts three months — but you can earn up to 42,500 points, worth $425 in travel savings.
  • The annual $1,000 bonus requires you to spend $40,000 per year on everyday spending on the card.
Product Details
  • Earn up to $1,320* in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived¹. Offer ends 30 April 2023.
  • The only major bank credit card offering you no foreign transaction fees, including for shopping online or abroad.
  • Your Award Winning Card For Travel.
  • Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
  • Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
  • You’ll earn 3X Scene+ points for each dollar charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés TradItIon, Rachelle Béry and Co-Op.
  • Airport lounge access through a complimentary Priority Pass™ membership, plus 6 free visits per year from the date of enrollment.
  • Visa Infinite* benefits including Visa Infinite Concierge, Visa Infinite* Luxury Hotel Collection, Visa Infinite* Dining Series, and Entertainment & Lifestyle Offers.
  • Access to Scotia SelectPay™.
  • To be eligible, $60,000 (individual) or $100,000 (household) annual income is required, or a minimum assets under management of $250,000. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
  • Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

Best Visa card for Avion points

RBC Avion Visa Infinite

RBC Avion Visa Infinite
  • Annual Fee
    $120
  • Interest Rates
    19.99% / 22.99%
  • Rewards Rate
    1x-1.25x Points
  • Intro Offer
    Up to 55,000 Points
Our Take
Why we like it

The RBC Avion Visa Infinite is a premium card that comes with extensive insurance coverage, a generous intro offer, plenty of Visa Infinite benefits, and a competitive flat rewards rate with no limit to what you can earn.

Pros
  • You can transfer Avion points to many frequent flyers programs and even score promotional bonuses on those transfers to further increase their value.
  • Strong insurance coverage and travel protection, including mobile device insurance up to $1,500.


Cons
  • It can be tricky to redeem your points for the most value.
  • A high income is required.
Product Details
  • Earn 1 Avion Rewards point for every dollar you spend* and an extra 25% on eligible travel purchases.
  • Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
  • Avioners earn points that never expire so your points will be waiting for your next adventure.
  • Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
  • Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion rewards points.
  • Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10.
  • Get access to RBC offers which provides access to earn points faster at specified brands.
  • Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family.
  • Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
  • Avioners no longer need 14-days to book travel using the RBC grid.
  • Get $0 delivery fees for 12 months from DoorDash¹⁷ – Add your eligible RBC credit card to your DoorDash account to:
  • Get a 12-month complimentary DashPass subscription18 – a value of almost $120.
  • Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
  • Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

Best Visa business card for travel

TD Business Travel Visa* Card

TD Business Travel Visa* Card
  • Annual Fee
    $149
    Waived first year
  • Interest Rates
    19.99% / 22.99%
  • Rewards Rate
    2x-9x Points
  • Intro Offer
    Up to 150,000 Points
Our Take
Why we like it

With its huge welcome offer, high earn rates on travel and foreign currency, and hearty selection of perks and benefits, the TD Business Travel Card is a strong option for businesses of any size.

Pros
  • Large intro offer that many established businesses will be able to earn.
  • Wide range of travel perks, including a broad selection of insurance, rewards on foreign currency and travel booking, and more.
  • Very strong earn rates in certain purchase categories.


Cons
  • Smaller businesses may not spend enough to score the full welcome bonus of 150,000 TD Rewards points.
  • Lack of flexibility with travel booking, which must be done through ExpediaForTD.com to earn rewards.
Product Details
  • Intro offer: 150,000 TD Rewards points. Earn 30,000 points when the first purchase is made. Earn 60,000 points by spending $2,500 or more during the first three months of account opening. Earn 60,000 points (5,000 per month) by spending $5,000 each of the first 12 months of account opening. Plus, an annual fee rebate for the first year for the primary cardholder and 2 additional cardholders. Offer expires May 28, 2023.
  • Earn 9 TD Rewards Points when you book travel online through ExpediaForTD.com using your Card.
  • Earn 6 points for every dollar spent on foreign currency purchases, restaurant purchases and regularly recurring bill payments up to a maximum annual spend of $80,000. Earn rate becomes 2 TD Rewards Points per dollar spent after that.
  • Earn 2 TD Rewards Points per dollar spent on all other purchases.
  • Points can be redeemed for flights, hotels, retail business merchandise, gift cards, while making business purchases at Amazon.ca with Amazon Shop, and more. They can also be used to pay down the card’s balance.
  • No travel blackouts, no seat restrictions and no expiry for TD Rewards Points.
  • Annual fee: $149 — rebated in the first year.
  • Annual fee on additional cards: $49 — rebated for up to three cards in the first year.
  • Interest rates: 19.99% on purchases, 22.99% on cash advances.
  • Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
  • Visa SavingsEdge program: save up to 25% on eligible business purchases.
  • Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental).
  • Toll-free emergency travel assistance services.
  • Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
  • Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
  • Access to $5,000 emergency cash advances.
  • Linked cards can earn 50% more TD Rewards Points and 50% more Stars at participating Starbucks stores.
  • Minimum credit limit of $1,000.

Best Visa card for Aeroplan rewards

CIBC Aeroplan® Visa Infinite Card

CIBC Aeroplan® Visa Infinite Card
  • Annual Fee
    $139
    Waived first year
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    1x-1.5x Points
  • Intro Offer
    Up to 45,000 Points
Our Take
Why we like it

While it’s a little light on exclusive perks, the CIBC Aeroplan Visa Infinite card offers an interesting collection of benefits that should be more than enough to keep many users satisfied.

Pros
  • An admirable amount of insurance coverage considering the card’s relatively low annual fee.
  • Families can combine their Aeroplan points.


Cons
  • Few opportunities to earn double points on purchases, even during the introductory period.
  • Beyond the free first checked bag allowance and access to Visa Infinite’s lineup of food, beverage and luxury hotel offers, juicier travel perks are in short supply.
Product Details
  • Intro offer details: Earn 10,000 Aeroplan points when you make your first purchase. Spend $1,000 or more during your first four monthly statement periods and earn another 35,000 points. Offer applies to new cardmembers only.
  • 1.5x Aeroplan points for every dollar spent on gas, groceries and direct Air Canada purchases, including Air Canada Vacations, up to a maximum annual spend of $80,000.
  • 1x Aeroplan point for every dollar you spend on all other purchases.
  • Earn points twice by providing your Aeroplan number at over 150 Aeroplan partners and more than 170 online retailers through the Aeroplan eStore.
  • Points can be redeemed for flights, car rentals and hotel bookings, as well as merchandise and gift cards available in the Aeroplan eStore.
  • $139 annual fee, which can be reduced each year if you have a CIBC Smart Plus account.
  • Access to Visa Infinite offers, including exclusive benefits at luxury hotels, gourmet restaurants and wineries in British Columbia, Ontario and Sonoma Valley.
  • Car rental discounts of up to 25% at participating Avis and Budget locations worldwide.
  • The Aeroplan Family Sharing plan allows Aeroplan members in the same household to combine their points and speed up the delivery of their next flight reward.
  • Primary cardholders hoping to reach Aeroplan Elite Status can receive 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible purchases.
  • Access to CIBC Pace It, an installment plan designed to help you pay off large or unexpected purchases over time at a lower interest rate.
  • 13 types of insurance provided, including 15-day travel medical benefits (three days if you’re 65 or older on your departure date) — worth up to $5 million in coverage per insured person.
  • Preferred rates: 20.99% for purchases, 22.99% for cash advances.
  • To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. You must also be a Canadian resident of the age of majority in the province or territory where you live who has not declared bankruptcy in the last seven years.

Best Visa card for cash back + our pick for no-fee cash back

Simplii Financial™ Cash Back Visa Card

Simplii Financial™ Cash Back Visa Card
  • Annual Fee
    $0
  • Interest Rates
    19.99% / 22.99%
  • Rewards Rate
    0.5%-10%
  • Intro Offer
    Up to $50
Our Take
Why we like it

The $0-annual-fee Simplii Financial Cash Back Visa Card earns bonus cash-back on the purchases you make almost every day.

Pros
  • New cardmembers can earn a 9.99% introductory annual interest on purchases for the first six months.


Cons
  • The 0.5% base rate isn’t exactly impressive, but it only applies after you hit the annual spending limits of bonus categories.
  • It only includes purchase security and extended protection insurance.
Product Details
  • 4% on restaurant, bar and coffee shops, up to $5,000 per year.
  • 1.5% on gas, groceries, drugstores and pre-authorized payments, up to $15,000 per year.
  • 0.5% on everything else.
  • Plus, for your first 4 months, enjoy 10% bonus cash back at restaurants and bars up to $500 spend. Get 4% cash back after that.
  • Redeem cash back as a statement credit in December.
  • No annual fee.
  • Cash back when you send money abroad with a Simplii Financial Global Money Transfer. No transaction fees and no interest charges.
  • Purchase security and extended protection insurance provided.
  • Preferred rates: 19.99% for purchases, 22.99% for cash advances.
  • To be eligible, a $15,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident (excluding Quebec) that is the age of majority in the province or territory where you live.

Best Visa business card for airline rewards

CIBC Aeroplan® Visa* Business Plus Card

CIBC Aeroplan® Visa* Business Plus Card
  • Annual Fee
    $120
    Waived first year
  • Interest Rates
    19.99% / 22.99%
  • Rewards Rate
    1x-2x Points
  • Intro Offer
    Up to 60,000 Points
Our Take
Why we like it

In addition to a solid earn rate on Air Canada purchases, the CIBC Aeroplan Visa Plus card helps businesses earn Aeroplan points on items and services they’ll inevitably spend money on, like shipping, internet and phone services.

Pros
  • Strong earn rates on Air Canada purchases and when buying common business items.
  • Achievable bonuses, like an Air Canada Buddy Pass and 10,000 bonus points earned after your first purchase.
  • Broad selection of travel insurance included, plus perks like four complimentary
  • Maple Leaf Lounge™ One-Time Guest Passes per year.


Cons
  • Smaller businesses may not spend enough to score the full 60,000 welcome bonus.
  • Capitalizing on the highest earn rates won’t be possible if you don’t fly with Air Canada frequently.
Product Details
  • Intro offer: Earn 10,000 points after making the first purchase, 20,000 points by spending $3,000 during the first four months, and 30,000 points by spending $35,000 during the first year. Plus, an annual fee rebate for the first card and each additional cardholder.
  • Receive an Air Canada Buddy Pass, good for a $0 base fare anywhere Air Canada flies in North America, when $3,000 is charged to the account in the first four monthly statement periods.
  • Free first checked bag for two travellers for each flight when a round-trip Air Canada flight is taken in the first year.
  • Maple Leaf Lounge access: up to four passes worth $25 each for every $10,000 in eligible spend.
  • $120 annual fee — rebated in the first year.
  • $50 annual fee for each additional card — first year rebate for up to three cards.
  • Add up to 15 cardholders to consolidate business expenses and earn points faster.
  • Earn 2 Aeroplan points for every dollar spent directly with Air Canada, including through Air Canada Vacations. After $80,000 in net annual card purchases, Aeroplan points are earned at the regular rate.
  • Earn 1.5 Aeroplan points for every dollar spent on shipping, internet, cable, phone services, travel and dining.
  • Earn 1 Aeroplan point for every dollar spent on all other purchases.
  • Earn points twice at over 150 Aeroplan partners and more than 170 online retailers through the Aeroplan estore.
  • Points can be redeemed for flights, hotel stays, car rentals, merchandise, gift cards and more.
  • Book flight rewards using fewer points when booking through the Rewards Officer.
  • Fraud alerts and zero liability protection if a card is stolen or used for fraudulent purchases.
  • Travel insurance: trip cancellation insurance (up to $1,000 per insured person per trip to a maximum of $5,000), trip interruption/trip delay insurance (up to $2,000 per insured person per trip), flight delay insurance (up to $500 per occurrence), stolen/lost/delayed baggage insurance (up to $500 per insured person to a maximum of $1,000 per occurrence), car rental collision and loss damage insurance (on cars with a suggested retail price of less than $65,000), common carrier accident insurance (up to $500,000 per insured person), purchase security and extended warranty protection.
  • Free Uber Pass for six months.
  • Access to Visa Spend Clarity for Business, a web-based reporting solution for expense management.
  • Preferred rates: 19.99% on purchases, 22.99% on cash advances.

Best Visa business card for cash back

Meridian Visa Infinite Business Cash Back Plus Card

Meridian Visa Infinite Business Cash Back Plus Card
  • Annual Fee
    $110
    Waived first year
  • Interest Rates
    19.50%
  • Rewards Rate
    1.5%-3%
  • Intro Offer
    N/A
Our Take
Why we like it

It may be short on perks, but by offering 1.5% cash back on all purchases, the Meridian Visa Infinite Business Cash Back Plus Card provides a reliable way for businesses to take a bite out of their expenses.

Pros
  • The earn rates will be there no matter how much you spend.
  • No annual fee in the first year.
  • Internationally-minded businesses will love the extensive range of travel insurance offerings and 3% cash back on foreign currency purchases.


Cons
  • No welcome bonus or introductory earn rates.
  • The income and earnings threshold required for approval may be too high for newer or smaller businesses.
  • The 3% earn rate won’t benefit businesses who deal solely in Canadian currency.
Product Details
  • Earn 1.5% unlimited cash back on all purchases.
  • Earn 3% unlimited cash back on net purchases in foreign currencies.
  • Cash back earnings can be redeemed at any time for account credits, travel, event tickets, gift cards and other merchandise.
  • Annual fee: $110, but free for the first year.
  • Additional card fee: $49.
  • Access to Visa expense management tools.
  • Visa Infinite Benefits, which include concierge services and exclusive access to luxury hotels, dining events and wine tastings.
  • Full suite of travel insurance and services, including: trip cancellation and interruption insurance (up to $2,000 per person), baggage insurance (up to $1,000 per person), common carrier accident protection (up to $1,000,000), auto rental collision/loss insurance, mobile device insurance, purchase protection, extended warranty coverage and 24/7 travel assistance.
  • Preferred rates: 19.50% on purchases, 19.50% on cash advances.
  • Eligibility requirements: either $60,000 annual personal income, $100,000 annual household income, minimum annual spend of $30,000 on current issuer’s card, assets under management of $250,000, or minimum business annual sales revenue of $500,000.

Best Visa card for Aventura rewards

CIBC Aventura® Visa Infinite Privilege* Card

CIBC Aventura® Visa Infinite Privilege* Card
  • Annual Fee
    $499
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    1.25x-3x Points
  • Intro Offer
    Up to 80,000 Points
Our Take
Why we like it

A metal credit card equipped with all the bells and whistles of a high-end travel card: accelerated points on travel spending, air fare redemption options, airport lounge access and more.

Pros
  • Six complimentary airport lounge visits, two NEXUS application fee rebates every four years, and a $200 annual travel credit.
  • Comprehensive travel insurance includes $5 million of out-of-province emergency travel medical coverage — 31-days for ages 65 and younger, and up to 10-days for ages 65 or older. You don’t even have to charge your trip to the card.
  • Flexible redemption options with points that never expire.


Cons
  • Steep $499 annual fee.
  • High annual income requirement of $150,000 per individual or $200,000 per household.
Product Details
  • Welcome offer: Get a total of up to 80,000 Aventura Points (up to $1,600 in travel value1) during your first year: 50,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods; 30,000 Aventura Points as an additional anniversary bonus.
  • Effective July 1, 2022: Receive 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $250 value. Get a $200 annual Travel Credit. Plus, get a NEXUS™ Application Fee rebate: a $100 value.
  • Earn 3 points for every $1 spent on travel purchased through the CIBC Rewards Centre.
  • Earn 2 points for every $1 spent on eligible dining, entertainment, transportation, gas and groceries.
  • Earn 1.25 points for every $1 spent on all other purchases.
  • Earn 1.25 Aventura Points for every $4.00 spent on a CIBC Global Money Transfer™. There are no transaction fees and no interest charged as long as the balance is paid by the payment due date.
  • Redeem points for airline tickets, merchandise, gift cards and more.
  • Apply points toward a CIBC Aventura credit card balance or select CIBC financial products.
  • $499 annual fee.
  • Unwind at the airport in a relaxing lounge with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program. Speed up border crossings with 2 NEXUS application fee rebates every 4 years.
  • Access business class bookings exclusive to this card for a future getaway.
  • Enjoy dedicated taxi and limo services, exclusive dining and wine experiences, VIP benefits at luxury hotels and more with Visa Infinite Privilege.
  • Get up to 25% off auto rentals at participating Avis® and Budget® locations worldwide when you pay with your Aventura card.
  • Link a Journie Rewards card to save on every fill-up at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.
  • Preferred rates: 20.99% for purchases, 22.99% for cash advances (21.99% for cash advances if you live in Quebec).
  • To be eligible, $150,000 (individual) or $200,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best Visa card for low interest rates

Desjardins Odyssey® Visa Infinite Privilege

Desjardins Odyssey® Visa Infinite Privilege
  • Annual Fee
    $295-$395
  • Interest Rates
    9.90%
  • Rewards Rate
    1.75%-4%
  • Intro Offer
    N/A
Our Take
Why we like it

Not only does this low-interest card feature accelerated rates on daily spending, but the Desjardins Odyssey Visa Infinite Privilege comes with truly impressive insurance coverage.

Pros
  • Comprehensive travel insurance includes emergency medical worth $5 million per person, covering 60 days for ages 59 and under and 15-days for ages 75 and under.
  • 18 airport lounge visits included.


Cons
  • No intro offer.
  • There’s a high annual fee and $150,000 (individual) or $200,000 (household) annual income is required, making this card inaccessible for many.
Product Details
  • 4% in BONUSDOLLARS per dollar spent on restaurants, entertainment and public transportation.
  • 3% in BONUSDOLLARS per dollar spent on groceries and travel.
  • 1.75% in BONUSDOLLARS per dollar spent on everything else.
  • Redeem BONUSDOLLARS for statement credits, financial products and services, charity, rewards, gift cards, purchases, and travel.
  • 1 BONUSDOLLAR earned = $1 you can redeem. BONUSDOLLARs do not expire.
  • $295 annual fee for Desjardins members, $395 annual fee for non-members.
  • Airport lounge access through a complimentary Priority Pass membership, plus 6 free visits per year. 12 visits per year to the Desjardin Odyssey Lounge in the Montreal-Trudeau International Airport.
  • Visa Infinite Privilege benefits including Visa Infinite Privilege Concierge, Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series, and Entertainment & Lifestyle Offers.
  • Up to 25% off Hertz car rentals and up to 10% off Thrifty or Dollar rentals.
  • Access to Accord D financing up to $5,000 a day cash advances at a rate of 9.9%.
  • 12 types of insurance provided, including 60-day travel medical benefits — up to $5,000,000 in coverage per person under age 59. 31-day coverage is available for ages 60-64. 15-day coverage is available for ages 65-75.
  • Preferred rates: 9.9% for purchases and cash advances.
  • To be eligible, $150,000 (individual) or $200,000 (household) annual income, or assets under management of $400,000 is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
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Methodology to choose the best Visa cards

We selected the best Visa cards in Canada based on overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points. A single card is eligible to be chosen as among the “best” in multiple categories.


    Summary of our selections

    Card NameWhy we picked itCurrent intro offer
    Scotia Momentum® Visa Infinite* cardOutstanding cash back rewardsUp to $200
    CIBC Aeroplan® Visa Infinite* CardLuxurious card for Air Canada loyalistsUp to 45,000 Points
    Simplii Financial™ Cash Back Visa* CardA no-fee cash back card suitable for students and beginnersUp to $50
    TD® Aeroplan® Visa Infinite* CardLuxurious travel perks and comprehensive benefitsUp to 55,000 Points
    CIBC Aeroplan® Visa* Business Plus CardEnhances Air Canada business travelUp to 60,000 Points
    TD Business Travel Visa* CardExcellent value when booking travel online through Expedia For TDUp to 150,000 Points
    Meridian Visa Infinite Business Cash Back Plus cardCash back rewards with strong business benefitsN/A
    TD First Class Travel Visa Infinite* CardStrong rewards on travel bookingsUp to 145,000 Points
    CIBC Aventura® Visa Infinite Privilege* CardPrestiguous card with Aventura rewardsUp to 80,000 Points
    RBC ION+ VisaLow fee and cool rewards for students and gamers12,000 Points
    BMO eclipse Visa InfiniteGenerous rewards on everyday purchasesUp to 60,000 Points
    Desjardins Odyssey® Visa Infinite PrivilegePay low interest without skimping on benefitsN/A
    Scotiabank Passport™ Visa Infinite* CardNo FX-fees and rewards on daily spendingUp to 40,000 Points
    RBC Avion Visa InfinitePremium perks for fans of RBC RewardsUp to 55,000 Points
    Scotiabank® Scene+™ Visa* CardA no-fee card suitable for beginners and newcomersUp to 10,000 Points
    Home Trust Secured Visa CardA smart option for applicants with low credit scoresN/A

    How to choose the best Visa credit card for you

    By Barry Choi

    Visa is one of the major credit card issuers in Canada. A Visa credit card allows you to pay retailers who accept Visa anywhere in the world, making it a convenient option. In exchange, you agree to pay at least your minimum monthly payment, though paying off your full balance will help you avoid paying interest. 

    Even though Canadians hold millions of Visa credit cards, the company does not issue its cards directly to consumers. Instead, it relies on financial institutions such as banks, credit unions and caisses populaires to get them into the hands of users.

    With so many Visa credit cards available in Canada, it can often be difficult to determine which is right for your needs. To narrow down your options, you need to consider the type of card, benefits offered, tiers, and more.

    Types of Visa cards

    The first thing to understand is that there are types of Visa credit cards. Once you get how they all work, you can narrow down your choices.

    Visa credit card options

    Think of a basic Visa credit card as a traditional credit card. Essentially, the card gives you access to a loan with an interest-free period of at least 21 days. As long as you pay your full balance by the due date, there are no additional charges. This is the most common type of Visa credit card in Canada, and it’s what people typically mean when they talk about a Visa card.

    Visa credit cards can be further grouped into categories based on the type of rewards they offer, such as travel points and cash back.

    Visa business credit card

    As you can imagine, Visa business cards are aimed at people who have a small business, are self-employed, or are freelancers. With Visa business cards, you can separate your business transactions from your personal ones, making things easier at tax time. 

    If your business has employees, you can typically get multiple Visa cards for them, consolidating spending while separating each user’s transactions. Most business credit cards offer detailed spending reports so you can analyze your business expenses.

    Visa business credit cards also may offer rewards like travel points or cash back.

    Visa debit card

    A Visa debit card is a regular debit card that uses the Visa network. You can use it to make in-store and online purchases or access your account through an ATM.

    The key difference between a debit card and a credit card is that you’re using your own money to make the payment, not with the credit you’re borrowing. You must have the funds available in your account to complete the transaction.

    Prepaid Visa cards

    A prepaid Visa card is a reloadable card that allows you to make purchases using the Visa network. Unlike Visa debit cards, which are attached to your bank account, a prepaid Visa is a standalone product. You need to load it with money before you can use it.

    Visa gift card

    A Visa gift card comes preloaded with funds and can be used anywhere Visa is accepted. These cards are popular for gifts since the recipient can use the card to buy whatever they’d like. 

    Crypto Visa card

    Crypto Visa cards are basically prepaid Visas that let you earn crypto rewards based on your spending. Several crypto Visa cards are offered through cryptocurrency exchanges such as Crypto.com and Shakepay.

    Virtual Visa card

    A virtual Visa card is essentially a disposable credit card number — a unique number you can use to shop online or over the phone instead of providing your actual credit card number. A virtual credit card is still attached to your main credit account, but it adds a layer of security in case the retailer has a data breach.

    Some people also use the term “virtual Visa card” to refer to a Visa stored in a digital or virtual wallet, such as Apple Pay or Google Wallet. Essentially, digital wallets let you pay for purchases on your credit card using your phone instead of the physical card.

    Visa credit card tiers

    Visa offers its credit cards in a number of tiers or levels. Generally speaking, the higher the tier, the more benefits the card offers. That said, higher-tier cards usually have a higher annual fee and require a much higher individual or household income. If you’re considering a Visa credit card, it’s a good idea to compare the different tiers to see which might be the best fit for you.

    Visa Classic

    Think of the Visa Classic tier as an entry-level credit card. It gives you access to the Visa network, but has limited benefits. Since it’s a basic card, a Visa Classic credit card typically has a low or no household income requirement. Cards at this tier can be ideal for students, young adults, newcomers to Canada and anyone else looking to establish a credit history.

    Visa Gold

    Visa Gold cards are a step up from a Classic card. Depending on the card, they offer benefits such as enhanced insurance, purchase protection and extended warranties. Visa Gold cards typically have a personal income requirement of $12,000. The annual fee for Visa Gold credit cards can be $100+. 

    Visa Platinum

    Visa Platinum cards are very similar to Gold cards in terms of their benefits and credit limit. The minimum annual household income required to qualify for these cards is typically $15,000, only slightly higher than the Gold tier.

    Depending on the financial institution, the annual fee for a Visa Platinum card can range from $0 to $100. However, a lower fee typically means fewer benefits, so be sure to compare your options closely.

    Visa Infinite

    Once you get to the Visa Infinite series, you get premium perks.

    • The Visa Infinite Luxury Hotel Collection offers extra benefits such as room upgrades, free breakfast and late checkout.
    • The Visa Infinite Dining Series gives you access to exclusive culinary experiences and concierge service.

    These perks are in addition to what you get from your credit card provider, which may include enhanced travel insurance, free checked bags and mobile device insurance. 

    However, to qualify for a Visa Infinite card, you’ll need to earn $60,000 in personal annual income or $100,000 in household income.

    Visa Infinite Privilege 

    Visa Infinite Privilege cards offer the perks of Visa Infinite cards, plus you get Global Airport Lounge Access with six annual complimentary passes. 

    The credit card provider also may include extra benefits, such as unlimited airport lounge access or priority boarding on flights. To be eligible for Visa Infinite Privilege cards, you need an annual personal income of $150,000 or a household income of $200,000.

    How to get a Visa credit card

    The first step to getting a Visa credit card is deciding which card might be the best fit for you. This process can be a bit overwhelming since many banks, credit unions and caisses populaires offer several different tiers and types of Visas.

    However, not all financial institutions offer each Visa tier, and each provider and card has different requirements. Narrow down your list by considering which financial institution and tier might be best for you.

    Banks that offer Visa cards  

    Financial institutions that offer Visa credit cards include:

    Eligibility

    To qualify for a Visa card, you must:

    • Be a Canadian resident
    • Be at least the age of majority in your province or territory

    In addition, each tier typically has an annual personal or household income requirement.

    Visa tierAnnual income required
    Visa ClassicNone
    Visa Gold$12,000
    Visa Platinum$15,000
    Visa Infinite$60,000 personal or $100,000 household
    Visa Infinite Privilege$150,000 personal or $200,000 household

    How to apply for a Visa card

    Once you’ve chosen the card, follow these steps to apply:

    1. Verify you meet the card’s requirements.
    2. Click “apply now” online or apply in person at a branch.
    3. Fill out your personal information.
    4. Wait for your approval.

    When the card arrives, activate it online or by calling the number on the card.

    How to get the most out of a Visa card

    Once you’ve activated your Visa, you can start to use it to make purchases. But it’s also a good idea to spend some time becoming familiar with what your Visa offers, so you can make the most of its perks.

    Depending on the Visa credit card you chose, you’ll have access to benefits such as increased earn rates and travel insurance. Some of those benefits are based on your card’s tier.

    Visa Infinite benefits

    Visa Infinite credit cards come with a few specific benefits, no matter which Infinite card you choose. The perks you can enjoy include the following:

    • Visa Infinite Luxury Hotel Collection: When you book accommodations through the Visa Infinite Luxury Hotel Collection, you’ll get automatic room upgrades (if available), free WiFi, complimentary breakfast, a US$25 food and drink credit, and late checkout.
    • Visa Infinite Dining: The Visa Infinite Dining series offers unique culinary experiences such as prix fixe menus and gourmet four-course meals.
    • Silver Troon Rewards status: Troon Rewards is a golf course loyalty program. As a Visa Infinite cardholder, you’ll get silver status, which gives you a 10% discount on golf fees, lessons and merchandise.
    • Concierge service: Have one of Visa’s concierges plan your trip, book a restaurant, or help you find the perfect gift. Concierges are available 24/7.
    Visa Infinite Privilege benefits

    Choosing a Visa Infinite Privilege card will get you all the Visa Infinite benefits above, plus additional perks like:

    • Visa Airport Companion Program: This program gives you six passes to more than 1,200 airport lounges around the world. 
    • Airport benefits: Enjoy special perks at major Canadian airports, such as priority security lines, parking discounts and priority taxi lines. 

    Know how Visa’s customer service works in Canada

    If you ever need to reach Visa customer service, call the number on the back of your card. This number is different depending on which financial institution provides your Visa.

    If you lose your Visa card, contact customer service right away. They’ll be able to lock your card and send you a replacement immediately. Alternatively, some financial institutions allow you to lock your account instantly via your mobile app.

    If you suspect your credit card was stolen, keep a close eye on your transactions online in case there’s anything suspicious. If you see charges you don’t recognize, contact your card provider to open an investigation.

    Stay safe with Visa protection and security features

    All Visa credit cards have built-in security features that help protect you from fraud. In addition, some Visa cards offer additional insurance for your purchases that can give you peace of mind.

    • Visa fraud prevention: Visa credit cards use EMV chips, security PINs, address verification, and three-digit codes (CVV) to add extra security.
    • Visa Purchase Security: If your Visa card is Gold tier or above, it’ll typically come with purchase protection, which insures purchases charged to your card for 90 days against loss, theft and damage.
    • Visa Extended Warranty: Many Visa cards come with extended warranty protection, which doubles the manufacturer’s warranty up to one additional year when you charge the item to your Visa card.
    • Visa Zero Liability: With Visa’s Zero Liability policy, cardholders are not responsible for unauthorized purchases made with their Visa card.

    Take advantage of flexible financing through Visa installment payments

    Many financial institutions allow you to pay your Visa card bill in installments, or multiple payments. Interest charges and fees may apply, so if you think you might want to take advantage of this feature, check with the bank to make sure they offer it before applying for a card. Some of the Visa installment payment programs offered by Canadian banks include:

    • TD Payment Plans
    • CIBC Pace It
    • Scotia SelectPay
    • PayPlan by RBC

    Use Visa Click to Pay when shopping online

    Visa offers a Click to Pay option that allows cardholders to make online purchases without having to enter their payment information every time.

    To use Visa Click to Pay, set up an account online and then choose “remember me” and “trust this device” on your computer or smartphone. Then, when you shop online, you’ll see a Visa Click to Pay icon on participating merchants’ websites. Click the icon, and your purchase will go through immediately. 

    Frequently asked questions about Visa cards

    Is Visa Infinite better than Visa Platinum?

    Visa Infinite is a higher tier than Visa Platinum, which means the network provides more benefits to Visa Infinite cards than Platinum cards. 

    That said, you may find that some Platinum cards are more suitable for your needs than their Visa Infinite counterparts. That’s because factors set by the bank — like the annual fees, insurance, rewards rates, and other perks decided by the bank — may affect your decision more. 

    Does Costco take Visa?

    Visa cards are not accepted as a method of payment at Costco Canada warehouses and Costco gas stations, but you can use a Visa to pay for online purchases at Costco.ca. 

    DIVE EVEN DEEPER
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    Many credit cards offer valuable benefits — like travel insurance and extended warranties — at no extra charge to you.

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