Canada credit cards are very much like those offered in the United States. In addition, card offers change often so if you were looking for an excellent credit card in Canada, it would be worth the time and effort to scout out the current offers so you could then find the one card that would match your needs best. Of course, you want a card that has low interest, no fees, and excellent features.
You will find that the easiest method for researching and applying for the best Canada credit cards is by using the internet although if you live by a bank or card company, you could always apply in person as well. We wanted to provide you with a list of the top and most current offers for Canada credit cards that you might consider but again, because offers change, conducting a new search at the time you are ready to apply would be best.
• Capital One Guaranteed Secured MasterCard – If you have less than perfect credit and want a means of rebuilding or if you have no credit at all and need to establish yourself in the credit world, this would be one of the best Canada credit cards to consider. This card comes with CSO fraud liability for authorized use for Canadian residents. Additionally, the balance transfer interest is set at 19.8%, which is the same as the regular interest. This card does charge a small annual fee of C$59.
• Capital One Gold MasterCard – Another of the top Canada credit cards is offered by Capital One but in this case, you would have the opportunity to lock into a three-year interest rate of 11.9% as long as your credit card bills are paid on time each month. The annual fee is only C$19 and the card is designed for individuals with good credit.
• Capital One Miles Plus Platinum MasterCard – If you are a Canadian resident and travel, this is definitely one of the best Canada credit cards to consider. With this card, for every C$1 spent on travel, two miles would be awarded. In addition, for each C$1 spent on merchandise, two reward miles are offers. Then, once the first purchase has been made with this Canadian credit card, a 25,000 bonus is immediately applied.
• CAA Quebec MasterCard – For Canada credit cards, we also wanted to mention this one, which comes with a 14.99% interest rate. Cardholders are provided with a full 21-day grace period for payments but the greatest benefit for this card is that for every C$1 spent on gasoline, cardholders are provided with an award. After accumulate the rewards, purchases could be made on a variety of qualifying purchases.
• WorldPoints MasterCard Credit Card – Backed by MasterCard, when it comes to Canada credit cards this one also makes the list. While the interest rate is 19.99%, a little higher than what other Canada credit cards offer, the rewards program and services are excellent. For each C$1 spent, one point is added to the cardholder’s account. At different accumulation amounts, purchases could be made on all types of merchandise, gift cards, gift certificates, and travel.
• Miscellaneous – A few other Canada credit cards that people should at least research when trying to find the best card for their needs are included below:
o PremierRewards MasterCard
o Sony Card MasterCard
o Shopper’s Optimum MasterCard
o Pharmaprix Optimum MasterCard
o StudentAwards Credit Card
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