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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.
Credit Cards
Best Overall Cards
Best Cash Back Cards
Best Travel Cards
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Best Rewards Cards

Getting started with credit cards

Person, Student, Pen
13 Best Student Credit Cards in Canada for April 2025by Shannon Terrell, Georgia RoseThe best student credit cards in Canada have low fees and interest rates while still providing some perks and strengthening your credit profile.
5 Best Credit Cards to Rebuild Credit in Canada for 2025
5 Best Credit Cards to Rebuild Credit in Canada for 2025
Georgia RoseGeorgia Rose
Check out the best cards to rebuild your credit in Canada, according to NerdWallet’s analysis.
Adult, Male, Man
Best Credit Cards for Newcomers to Canada 2025
Georgia RoseGeorgia 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.
Adult, Male, Man
5 Best Secured Credit Cards in Canada for 2025
Georgia RoseGeorgia Rose
Canada’s best secured credit cards are easier to qualify for than traditional credit cards, helping build credit history and repair bad credit.
Plant, Potted Plant, Adult
5 Best Prepaid Credit Cards in Canada for 2025
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The 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

8 Best Grocery Credit Cards in Canada for 2025
8 Best Grocery Credit Cards in Canada for 2025
Shannon TerrellShannon Terrell
Machine, Female, Girl
7 Best Gas Credit Cards in Canada for 2025
Shannon TerrellShannon Terrell
These gas credit cards help you fill up on rewards each time you top up your gas tank.
7 Best Store Credit Cards in Canada for 2025
7 Best Store Credit Cards in Canada for 2025
Shannon TerrellShannon 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

12 Best American Express Cards in Canada for 2025
12 Best American Express Cards in Canada for 2025
Shannon TerrellShannon Terrell
Discover the best American Express credit cards in Canada to earn cash back, Amex Membership Rewards, and Aeroplan points.
Text, Credit Card, Clapperboard
16 Best Visa Credit Cards in Canada for 2025
Shannon TerrellShannon Terrell
14 Best Mastercard Credit Cards in Canada for 2025
14 Best Mastercard Credit Cards in Canada for 2025
Shannon TerrellShannon Terrell
The best Mastercard credit cards offer a diverse array of rewards, including cash back, Air Miles, points and more.

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.

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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.

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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.

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Credit cards for your next adventure

Adult, Female, Person
5 Best Air Miles Credit Cards in Canada for 2025
Shannon TerrellShannon Terrell
The best Air Miles credit cards in Canada earn points for the loyalty program on every purchase. Air Miles Dream Miles have an average value of 16.07 cents per mile.
Face, Happy, Head
8 Best Metal Credit Cards in Canada for 2025
Shannon TerrellShannon Terrell
Metal credit cards — typically made of titanium or stainless steel — blend functionality and sophistication to offer an elevated cardholder experience for those who qualify.
CANADA Best Aeroplan Credit Cards
9 Best Aeroplan Credit Cards in Canada for 2025
Shannon TerrellShannon Terrell
The best Aeroplan credit cards in Canada 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

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SimplyCash Preferred Card from American Express Review 2025: Is It Worth It?by Georgia Rose, Clay Jarvis
TD Cash Back Visa Infinite Review 2025: Is It Worth It?
TD Cash Back Visa Infinite Review 2025: Is It Worth It?by Georgia Rose, Shannon Terrell
Scotia Momentum Visa Infinite Card Review 2025: Is It Worth It?
Scotia Momentum Visa Infinite Card Review 2025: Is It Worth It?
Georgia RoseGeorgia Rose
BMO Ascend World Elite Mastercard Review 2025: Is It Worth It?
BMO Ascend World Elite Mastercard Review 2025: Is It Worth It?
Georgia RoseGeorgia Rose
Credit Card, Text
Simplii Financial Credit Card Review 2025: Is It Worth It?
Shannon TerrellShannon Terrell
Text, Credit Card
Tangerine World Mastercard Review 2025: Is It Worth It?by Shannon Terrell, Georgia Rose

Credit card basics