Best Credit Card in Canada

Amex Cobalt

• Strong rewards: 5x points on dining and groceries
• Flexibility and high-value points
• User: "I’ve been on the Amex Cobalt and the rewards seem the best"

Rogers Mastercard

• 3% cashback on everything for Rogers, Fido, or Shaw customers
• Effective 2% cashback for non-customers
• User: "If you are a Rogers, Fido, or Shaw customer, go with Rogers MC"

Scotiabank Momentum Infinite Visa

• 4% cashback at grocery stores, gas stations, and recurring payments
• Strong travel insurance and smartphone coverage
• User: "Scotiabank Momentum Infinite Visa for my Rent"

American Express SimplyCash Preferred

• 4% cashback on gas and groceries, 2% on everything else
• Great for daily use and strong cashback rates
• User: "American Express SimplyCash® Preferred is my 4% cash back"

Tangerine Money-Back Credit Card

• 2% cashback in two chosen categories, 0.5% on everything else
• User: "Tangerine Money-Back + Amex SimplyCash"

CIBC Dividend Visa Infinite

• Good for cashback, offers similar rates as the Amex Cobalt
• Strong cashback benefits with no fee
• User: "CIBC Dividend Visa Inf = similar rates as Cobalt"

PC Mastercard

• Great for earning free groceries
• Solid cashback options for everyday spending
• User: "PC Mastercard… get groceries with points"

Scotiabank Gold AMEX Card

• Excellent points collector with flexible Scene points redemption
• Hassle-free travel redemption option
• User: "Scotiabank Gold AMEX = Excellent for Scene points"

CIBC Aventura Gold

• Ideal for travel rewards with a strong offer
• Good rewards structure for maximum value
• User: "CIBC Aventura Gold = best for travel"

Neo Financial

• No fees and 10% off for the first month
• Competitive cashback rewards without annual charges
• User: "Neo for their cashback rewards"

These are some of the best credit cards in Canada based on their rewards, benefits, and user experiences. Each card offers unique perks and cashback rates tailored to different spending habits and preferences.