Best Credit Cards in Canada for 2025

Choosing the right credit card can be overwhelming with so many options available. Whether you want to earn travel rewards, maximize cashback, or enjoy premium benefits, this guide will help you find the best credit card in Canada for 2025.

Best Overall Credit Card

Amex Cobalt American Express Cobalt Card

  • 5x points on food, groceries, and dining
  • 2x points on transit and gas
  • Flexible points transfer to airline and hotel partners (including Aeroplan)
  • Monthly fee structure ($12.99/month)
  • Can be redeemed for statement credits, making it a strong cashback alternative

Bonus: The Amex Cobalt is also a great travel rewards card since Membership Rewards points can be transferred to Aeroplan.

Best Travel Rewards Credit Card

RBC Avion Visa Infinite RBC Avion Visa Infinite

  • Flexible travel redemptions with no blackout dates
  • Earn 1 Avion point per $1 on all purchases
  • Transferable points to airline partners (Avios, WestJet, etc.)
  • Strong insurance coverage

Note: While the RBC Avion Visa Infinite is a strong option for travel rewards, the Amex Cobalt can also be considered a top travel card due to its ability to transfer Membership Rewards points to Aeroplan and a much stronger earn rate.

Best Cashback Credit Card

CIBC Dividend Visa Infinite CIBC Dividend Visa Infinite

  • 4% cashback on groceries and gas
  • 2% cashback on dining and transportation
  • 1% cashback on everything else
  • Strong travel insurance perks

Bonus: The Amex Cobalt is a solid cashback alternative since its points can be redeemed for statement credits at a rate of 1,000 points = $10.

Best No-Fee Travel Credit Card

CIBC Aeroplan Visa CIBC Aeroplan Visa Platinum

  • Earn 1 Aeroplan point per $1 spent on gas, groceries, and with Air Canada directly
  • Earn 1 Aeroplan point per $1.50 spent on all other purchases
  • Preferred pricing on Aeroplan flight rewards, enabling you to book flights for fewer points
  • No annual fee (first year, then $89)

Bonus: This card provides preferred pricing on Aeroplan flight rewards, allowing cardholders to book flights for fewer points.

Best Premium Credit Card

Amex Platinum American Express Platinum Card

  • Unlimited airport lounge access (including Amex Centurion Lounges)
  • $200 annual travel credit when booking through Amex Travel
  • $200 annual dining credit for select restaurants in Canada
  • Earn 2x points on travel & dining purchases
  • Comprehensive insurance coverage

Note: Unlike the U.S. version, the Amex Platinum Canada offers **2x points on travel & dining** instead of 5x.

Conclusion

The best credit card depends on your lifestyle and spending habits. Whether you prioritize travel rewards, cashback, or luxury perks, there’s a card for you in 2025. Compare these options and choose the one that fits your financial goals.

🚀 Next Steps: Apply for the best credit card today and start maximizing your rewards!