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Purchase protection credit cards in Canada

Purchase protection included with the card. Covers eligible new items against theft or damage for a limited time after purchase; limits and exclusions apply.

54 cards · Highest net annual rewards first

Values are estimates based on typical spending of $2,000/month, after annual fees. How we calculate

Annual Fee
$120.00
First Year Bonus Value
$166.67
Net Annual Rewards
$496.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$606.67

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

Annual Fee
$150.00
First Year Bonus Value
$0.00
No current welcome offer
Net Annual Rewards
$468.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$468.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

Annual Fee
$150.00
First Year Bonus Value
$300.00
Up to 70,000 Hilton Honors points and a Free Night Reward
Net Annual Rewards
$442.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$742.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View Details: Scotiabank American Express
Annual Fee
$0.00
First Year Bonus Value
Confirming current offer. The welcome offer is being confirmed against the issuer page.
Net Annual Rewards
$363.60Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$363.60Before welcome offer

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

Annual Fee
$120.00
First Year Bonus Value
$650.00
Up to 65,000 Scene+ points
Net Annual Rewards
$361.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$1,011.00

Comparison example at $2,000/month. Separate from your personalized estimate. Review the value basis and conditions.

View Details: CIBC Dividend Platinum Visa
Annual Fee
$99.00
First Year Bonus Value
$162.20
Net Annual Rewards
$354.60Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$615.80

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

Annual Fee
$120.00
First Year Bonus Value
$300.00
Net Annual Rewards
$343.20Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$643.20

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

Annual Fee
$130.00
First Year Bonus Value
$0.00
No current welcome offer
Net Annual Rewards
$311.60Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$311.60

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

Annual Fee
$0.00
First Year Bonus Value
$24.00
Net Annual Rewards
$310.80Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$334.80

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View Details: CIBC Costco Mastercard
Annual Fee
$0.00
First Year Bonus Value
$0.00
No current welcome offer
Net Annual Rewards
$306.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$306.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

How we chose these cards

Cards included here match: purchase protection included with the card. They’re ordered by net annual rewards at typical spending of $2,000/month — change the order with “Sort by”. How we calculate.

Coverage by card

Coverage we’ve verified in each card’s insurance certificate, with the date we checked it. A card that isn’t listed may still include this coverage; check its certificate.

CardCoverageLimitLength of coverageChecked
MBNA Rewards World Elite MastercardPurchase assurancePurchase price; $60,000 lifetime account limit90 days from purchase
National Bank World Elite MastercardPurchase protectionShared maximum $60,000 over account lifetime180 days from purchase
Hilton Honors American Express CardPurchase protectionUp to $1,000 per occurrence90 days from purchase
Scotiabank American ExpressPurchase securityShared maximum $60,000 lifetime across purchase security and extended warranty90 days from purchase
Scotiabank Gold American ExpressPurchase securityLesser of repair cost, replacement cost or purchase price; $60,000 lifetime maximum90 days from the purchase date
CIBC Dividend Platinum VisaPurchase securityCAD 60,000 total liability per cardholder across held CIBC cards90 days from purchase
RBC Cash Back Preferred World Elite MastercardPurchase securityUp to $50,000 per account / calendar year; certificate cardholder allocation rules apply120 days from purchase
Desjardins Odyssey World Elite MastercardPurchase protection$10,000 per item; $50,000 lifetime per account120 days from purchase
Simplii Financial Cash Back VisaPurchase security$60,000 shared total per cardholder across Simplii cards90 days
CIBC Costco MastercardPurchase security$60,000 per cardholder across all CIBC cards held90 days from purchase
Desjardins Cash Back World Elite MastercardPurchase protection$10,000 per item; $50,000 lifetime per accountDuration not verified
RBC ION+ VisaPurchase securityUp to $50,000 per account / calendar year; certificate cardholder allocation rules apply90 days from purchase
National Bank ECHO Cashback MastercardPurchase protectionLimit not verified90 days
CIBC Dividend Visa InfinitePurchase security$60,000 per cardholder across all CIBC cards held90 days from purchase
ATB Gold Cash Rewards MastercardPurchase assurance$10,000 per item; $50,000 lifetime per account90 days from purchase
CIBC Dividend VisaPurchase securityCAD 60,000 total liability per cardholder across held CIBC cards90 days from purchase
ATB Gold My Rewards MastercardPurchase assurance$10,000 per item; $50,000 lifetime per account90 days from purchase
American Express CobaltPurchase protectionUp to $1,000 per cardmember / occurrence90 days from purchase
moi RBC VisaPurchase protectionCAD 50,000 per calendar year; certificate cardholder/account limits apply90 days from purchase
Desjardins Bonus VisaPurchase protection$10,000 per item; $50,000 lifetime per account90 days from purchase
Desjardins Cash Back MastercardPurchase protection$10,000 per item; $50,000 lifetime per account90 days from purchase
Desjardins Cash Back VisaPurchase protection$10,000 per item; $50,000 lifetime per account90 days from purchase
BMO eclipse rise VisaPurchase security insuranceLimit not verifiedFirst 90 days from purchase
RBC Cash Back MastercardPurchase securityUp to $50,000 per account / calendar year; certificate cardholder allocation rules apply90 days from purchase
More Rewards RBC Visa InfinitePurchase securityUp to $50,000 per account / calendar year; certificate cardholder allocation rules apply90 days from purchase
RBC ION VisaPurchase securityUp to $50,000 per account / calendar year; certificate cardholder allocation rules apply90 days from purchase
Desjardins Odyssey Visa Infinite PrivilegePurchase protection$50,000 per account / year; $10,000 per item for specified goods180 days from purchase
CIBC Aeroplan VisaPurchase securityShared maximum total liability $60,000 per cardholder across all held CIBC cards90 days from purchase
National Bank Platinum MastercardPurchase protectionShared maximum $60,000 over account lifetime180 days from purchase
Desjardins Odyssey Gold VisaPurchase protection$50,000 per account / year; $10,000 per item for jewellery, gems, watches and furs90 days from purchase
CIBC Aventura VisaPurchase security$60,000 per cardholder across all CIBC cards held90 days from purchase
CIBC Aeroplan Visa Infinite CardPurchase securityShared maximum total liability $60,000 per cardholder across all held CIBC cards90 days from purchase
American Express Aeroplan CardPurchase protectionCAD 1,000 per cardmember / occurrence90 days after purchase
RBC Avion Visa InfinitePurchase securityUp to $50,000 per account / calendar year; certificate cardholder allocation rules apply90 days from purchase
More Rewards RBC VisaPurchase protectionCAD 50,000 per calendar year; certificate cardholder/account limits apply90 days from purchase
RBC Avion Visa PlatinumPurchase securityUp to $50,000 per account / calendar year; certificate cardholder allocation rules apply90 days from purchase
RBC British Airways Visa InfinitePurchase securityUp to $50,000 per account / calendar year; certificate cardholder allocation rules apply90 days from purchase
Scotiabank Platinum American ExpressPurchase securityMaximum $60,000 over lifetime; certificate aggregation rules apply120 days from purchase
American Express Gold RewardsPurchase protection$1,000 per cardmember / occurrence90 days from purchase
CIBC Aventura Gold VisaPurchase securityShared maximum total liability $60,000 per cardholder across all held CIBC cards90 days from purchase
CIBC Aventura Visa InfinitePurchase security$60,000 per cardholder across all CIBC cards held90 days from purchase
Capital One Guaranteed MastercardPurchase assuranceShared maximum $60,000 over account lifetime120 days from purchase
Desjardins Flexi VisaPurchase protection$10,000 per item; $50,000 lifetime per account90 days from purchase
National Bank MC1 MastercardPurchase protectionLimit not verified90 days
RBC Visa PlatinumPurchase securityUp to $50,000 per account / calendar year; certificate cardholder allocation rules apply90 days from purchase
MBNA True Line Gold MastercardPurchase assuranceMaximum $60,000 over account lifetime; computers $1,000/loss; jewellery / fine art $500/item/loss90 days from purchase
RBC Avion Visa Infinite PrivilegePurchase securityUp to $50,000 per account / calendar year; certificate cardholder allocation rules apply120 days from purchase
CIBC Aventura Visa Infinite PrivilegePurchase security$60,000 per cardholder across all CIBC cards held180 days from purchase
CIBC Aeroplan Visa Infinite PrivilegePurchase securityShared maximum total liability $60,000 per cardholder across all held CIBC cards180 days from purchase
Scotiabank Passport Visa Infinite PrivilegePurchase securityLimit not verified180 days from purchase
The Platinum CardPurchase protection$1,000 per cardmember / occurrence120 days from purchase
National Bank Syncro MastercardPurchase protectionShared maximum $60,000 over account lifetime90 days from purchase
National Bank World MastercardPurchase protectionCAD 60,000 shared with extended warranty over account term180 days
RBC U.S. Dollar Visa GoldPurchase securityUp to $50,000 per account / calendar year; certificate cardholder allocation rules apply90 days from purchase