Maple Wallet

Credit Cards

Compare 48 cards and find the best fit.

Every rating uses our weighted scoring system — specially calibrated for students and young adults — combining fees, rewards value, and eligibility so recommendations stay unbiased and reflect real value, not affiliate payouts.

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BMO CashBack Mastercard for Students

BMO CashBack Mastercard for Students

4.6

BMO Bank of Montreal

Student
No Annual Fee
Students wanting no-fee grocery cash back

Fee

$0

APR

21.99%

Get up to 5% cash back in your first 3 months and a 0.99% introductory interest rate on balance transfers for 9 months
CIBC Dividend Visa Card for Students

CIBC Dividend Visa Card for Students

4.6

CIBC

Student
No Annual Fee
Student; Cash back

Fee

$0

APR

21.99%

Earn up to $125 cash back
Tangerine Money-Back Credit Card

Tangerine Money-Back Credit Card

4.5

Tangerine

No Annual Fee
Customizable Cash Back

Fee

$0

APR

20.95%

Earn an extra 10% cash back, up to $100; Promotional balance transfer rate of 1.95%
BMO eclipse rise Visa Card

BMO eclipse rise Visa Card

4.4

BMO Bank of Montreal

No Annual Fee
No-fee points on groceries & recurring bills

Fee

$0

APR

21.99%

Get 20,000 points and a 0.99% introductory interest rate on balance transfers for 9 months. Plus, earn up to 5,000 bonus points every year!
BMO CashBack Mastercard

BMO CashBack Mastercard

4.4

BMO Bank of Montreal

No Annual Fee
Grocery cash back

Fee

$0

APR

21.99%

Get up to 5% cash back in your first 3 months and a 0.99% introductory interest rate on balance transfers for 9 months
TD Rewards Visa Card

TD Rewards Visa Card

4.4

TD Bank

No Annual Fee
Budget travellers seeking no-fee rewards

Fee

$0

APR

21.99%

$50 in TD Rewards Points to use on Amazon.ca
Scotiabank Scene+ Visa Card for Students

Scotiabank Scene+ Visa Card for Students

4.4

Scotiabank

Student
No Annual Fee
Students earning Scene+ points on everyday purchases

Fee

$0

APR

21.99%

Up to 10,000 bonus Scene+ points in first 3 months
Simplii Financial Cash Back Visa Card

Simplii Financial Cash Back Visa Card

4.4

Simplii Financial (CIBC)

No Annual Fee
No-fee cash back on dining & restaurants

Fee

$0

APR

21.99%

Up to $100 cash back for the first 3 months when you spend up to $500
RBC Cash Back Mastercard

RBC Cash Back Mastercard

4.4

RBC Royal Bank

No Annual Fee
No-Fee Cash Back

Fee

$0

APR

20.99%

Scotia Momentum No-Fee Visa (Student)

Scotia Momentum No-Fee Visa (Student)

4.4

Scotiabank

Student
No Annual Fee
Students seeking simple cash back

Fee

$0

APR

20.99%

5% cash back on all purchases for the first 3 months (up to $2,000)
RBC ION Visa

RBC ION Visa

4.3

RBC Royal Bank

No Annual Fee
Everyday rewards with no annual fee

Fee

$0

APR

20.99%

14,000 Avion points on approval
Scotiabank Scene+ Visa Card

Scotiabank Scene+ Visa Card

4.3

Scotiabank

No Annual Fee
Scene+ Points

Fee

$0

APR

21.99%

Up to 10,000 bonus Scene+ points in first 3 months
KOHO Essential

KOHO Essential

4.3

KOHO

No Annual Fee
Beginners and budget-conscious Canadians

Fee

$0

APR

0%

American Express SimplyCash Card

American Express SimplyCash Card

4.3

American Express

No Annual Fee
No-fee cash back on gas & groceries

Fee

$0

APR

21.99%

Bonus 5% cash back on all purchases in your first 3 months
PC Financial World Elite Mastercard

PC Financial World Elite Mastercard

4.2

PC Financial

No Annual Fee
Maximizing PC Optimum points at Loblaw & Shoppers

Fee

$0

APR

21.9%

50,000 bonus PC Optimum points
PC Mastercard

PC Mastercard

4.2

PC Financial

No Annual Fee
Earning PC Optimum points with no annual fee

Fee

$0

APR

21.99%

50,000 PC Optimum points
TD Cash Back Visa

TD Cash Back Visa

4.2

TD Bank

No Annual Fee
Simple, no-fuss cash back on everyday spending

Fee

$0

APR

21.99%

Up to $100 in cash back
MBNA True Line® Mastercard

MBNA True Line® Mastercard

4.1

MBNA (TD)

No Annual Fee
Low interest

Fee

$0

APR

12.99%

0% interest on balance transfers for 12 months
Scotiabank American Express (Student)

Scotiabank American Express (Student)

4.1

Scotiabank

Student
No Annual Fee
Students seeking Amex perks and Scene+ rewards

Fee

$0

APR

21.99%

Up to 10,000 bonus Scene+ points in first 3 months
PC World Mastercard

PC World Mastercard

4.1

PC Financial

No Annual Fee
Higher PC Optimum earn rates at Loblaw & Shoppers

Fee

$0

APR

21.99%

50,000 bonus PC Optimum points
American Express Green Card

American Express Green Card

4

American Express

No Annual Fee
Entry-level Amex Membership Rewards

Fee

$0

APR

21.99%

Earn 10,000 Membership Rewards points on your first eligible purchase
MBNA Rewards Platinum Plus Mastercard

MBNA Rewards Platinum Plus Mastercard

4

MBNA (TD)

No Annual Fee
Everyday spenders who want flexible no-fee rewards

Fee

$0

APR

21.99%

Up to 10,000 bonus points
Rogers Red Mastercard

Rogers Red Mastercard

4

Rogers Bank

No Annual Fee
Rogers/Fido/Shaw customers seeking cash back

Fee

$0

APR

21.99%

Scotiabank American Express Card

Scotiabank American Express Card

4

Scotiabank

No Annual Fee
Scene+ collectors wanting no-fee Amex perks

Fee

$0

APR

21.99%

Up to 10,000 bonus Scene+ points
Rogers Red World Elite Mastercard

Rogers Red World Elite Mastercard

3.9

Rogers Bank

No Annual Fee
Rogers/Fido/Shaw customers wanting premium cash back

Fee

$0

APR

21.99%

Capital One Guaranteed Secured Mastercard

Capital One Guaranteed Secured Mastercard

3.9

Capital One

No Annual Fee
Build Credit

Fee

$0

APR

29.9%

EQ Prepaid Mastercard (Bank Card)

EQ Prepaid Mastercard (Bank Card)

3.9

EQ Bank

No Annual Fee
Prepaid cash back with no credit check

Fee

$0

APR

0%

TD Cash Back Visa Infinite Card

TD Cash Back Visa Infinite Card

4.2

TD Bank

Cash back on groceries, gas & recurring bills

Fee

$139

APR

21.99%

Earn up to $600 in total value in the first year
BMO CashBack World Elite Mastercard

BMO CashBack World Elite Mastercard

4.2

BMO Bank of Montreal

Grocery Cash Back

Fee

$120

APR

21.99%

Up to $650 in value & annual fees waived in the first year. Plus, a 0% introductory interest rate on balance transfers for 12 months
KOHO Extra

KOHO Extra

4.2

KOHO

Cash back and savings interest, no FX fees

Fee

$144

APR

0%

KOHO Everything

KOHO Everything

4.1

KOHO

High cash back and savings interest with full KOHO features

Fee

$177

APR

0%

CIBC Dividend Visa Infinite Card

CIBC Dividend Visa Infinite Card

4.1

CIBC

Gas & Groceries Cash Back

Fee

$120

APR

21.99%

earn up to $350 in value, including an annual fee rebate
CIBC Aeroplan Visa Infinite Card

CIBC Aeroplan Visa Infinite Card

4.1

CIBC

Frequent Air Canada travellers with good credit

Fee

$139

APR

21.99%

Earn up to $1,300 in value, including up to 50,000 Aeroplan points
Desjardins Odyssey World Elite Mastercard

Desjardins Odyssey World Elite Mastercard

4.1

Desjardins

Premium travel rewards with lounge access

Fee

$130

APR

20.9%

American Express SimplyCash Preferred Card

American Express SimplyCash Preferred Card

4.1

American Express

Cash back on gas & groceries with no earning cap

Fee

$119

APR

21.99%

Bonus 10% cash back on all purchases in first 3 months
National Bank World Elite Mastercard

National Bank World Elite Mastercard

4.1

National Bank

Premium Travel Perks

Fee

$150

APR

20.99%

RBC ION+ Visa

RBC ION+ Visa

4.1

RBC Royal Bank

Student
Everyday Rewards

Fee

$48

APR

20.99%

14,000 Avion points upon approval
Meridian Visa Infinite Cash Back Card

Meridian Visa Infinite Cash Back Card

4.1

Meridian Credit Union

Credit Union Cash Back

Fee

$99

APR

19.5%

American Express Cobalt Card

American Express Cobalt Card

4.1

American Express

Dining, food delivery & travel rewards

Fee

$191.88

APR

21.99%

Earn up to 15,000 bonus Membership Rewards points in your first year
Scotiabank Passport Visa Infinite

Scotiabank Passport Visa Infinite

4.1

Scotiabank

Travel

Fee

$150

APR

20.99%

Up to $1,250 in value in the first year, including a 35,000 bonus Scene+ points
TD Aeroplan Visa Infinite

TD Aeroplan Visa Infinite

4.1

TD Bank

Frequent Air Canada travellers wanting premium perks

Fee

$139

APR

21.99%

Up to 40,000 Aeroplan points + annual fee rebate for first year
Neo World Elite Mastercard

Neo World Elite Mastercard

4

Neo Financial

High spenders seeking premium cash back on essentials

Fee

$149

APR

21.99%

National Bank Syncro Mastercard

National Bank Syncro Mastercard

4

National Bank

Low Interest

Fee

$35

APR

8.9%

MBNA Rewards World Elite Mastercard

MBNA Rewards World Elite Mastercard

4

MBNA (TD)

MBNA Rewards

Fee

$120

APR

21.9%

Up to 30,000 bonus MBNA Rewards Points
RBC Avion Visa Infinite

RBC Avion Visa Infinite

4

RBC Royal Bank

Flexible travel rewards redeemable on any airline

Fee

$120

APR

20.99%

up to 70,000 Avion points - a travel value of up to $1,500
Wealthsimple Visa Infinite

Wealthsimple Visa Infinite

4

Wealthsimple

Unlimited cash back

Fee

$240

APR

20.9%

Scotiabank Gold American Express Card

Scotiabank Gold American Express Card

3.9

Scotiabank

Mixed Rewards with No FX fees

Fee

$120

APR

21.99%

Up to $950 in welcome offers, first year rewards and savings value, and up to 50,000 bonus Scene+ points
Neo Secured Mastercard

Neo Secured Mastercard

3.8

Neo Financial

Building credit

Fee

$96

APR

19.99%