Updated October 17, 2026 · DebitCue Editorial Team

Top rewards cards compared in Canada

42 cards available in Canada, ranked for Canada.

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Top rewards cards compared in Canada
#	Card	Score	Key facts	Actions
1	InstaremTop pick Special FX rate + zero fees on first transfer EUR 1 to EUR 2,000	9.1/10	Rewards rate: 0.5 InstaPoints per SGD spent Annual fee: SGD 0 Currency conversion fee: 0%	Review Compare Visit
2	Union Pay International	9.6/10	Currency conversion fee: 0% Rewards type: Points Perks: Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more	Review Compare See alternatives
3	Navan Navan Expense free for the first 5 monthly expensing users on Navan Business: Free for the first 5 users, then $15 per user per month	9.4/10	Rewards rate: A percentage of Eligible Savings on reward-eligible bookings, percentage determined by Search Rank Annual fee: $0 Rewards type: Points	Review Compare See alternatives
4	Scotiabank Scene+ Welcome Bonus: Up to 35,000 Scene+ points	9.4/10	Rewards rate: 1-3 Scene+ points per dollar depending on category Annual fee: CA$150 APR: 20.99%	Review Compare See alternatives
5	Scotiabank Bahamas Scotiabank Cash Bonus Bundle Offer (Preferred Package + savings + credit card): Up to $1,000 ($700 + $200 + $100)	9.4/10	Rewards rate: 1-3 Scene+ points per dollar depending on category Annual fee: CA$150 APR: 20.99%	Review Compare See alternatives
6	Uni5Pay+ by Scombank	9.4/10	Currency conversion fee: 0% Rewards type: Points Perks: Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more	Review Compare See alternatives
7	AffinityPlus Credit Union Amazing Rewards - Visa Premier Select Rewards: Introductory 2.90% APR for 12 months on purchases and external transfers	9.3/10	Rewards rate: MyPlus Rewards points Annual fee: $0 APR: 14.65% to 18%	Review Compare See alternatives
8	RBC Avion Visa Infinite Get up to 70,000 Avion points: up to 70,000 Avion points (travel value of up to $1,500)	9.3/10	Rewards rate: 1 Avion point per $1 CAD, 1.25 Avion points on travel related purchases Annual fee: CA$120 APR: 20.99% to 22.99%	Review Compare See alternatives
9	TD Bank Group	9.1/10	Rewards rate: 1 point per $1 spent on all purchases, bonus earning on travel, groceries, dining, transit, recurring bills and streaming Annual fee: CA$0 APR: 21.99%	Review Compare See alternatives
10	CIBC Caribbean	9.0/10	Rewards rate: 1 point per USD 1 spent Annual fee: $0 Currency conversion fee: 2.5%	Review Compare See alternatives