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Best Mastercard credit cards in Canada

Mastercard is accepted almost everywhere, including Costco in Canada, and is offered by banks, retailers and fintechs. Every Mastercard card we cover, ranked by net annual rewards at typical spending.

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

MBNA Smart Cash World Mastercard

Annual Fee: $39.00
First Year Bonus Value: $90.00
Net Annual Rewards: $261.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $351.00

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

Neo World Elite Mastercard – Shop & Dine

Cash Back

Annual Fee: $149.00
First Year Bonus Value: $0.00
Net Annual Rewards: $259.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $259.00

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

ATB Gold Cash Rewards Mastercard

ATB Cash Back Rewards

Annual Fee: $0.00
First Year Bonus Value: $78.75
Net Annual Rewards: $252.35Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $331.10

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

ATB Gold My Rewards Mastercard

ATB My Rewards

Annual Fee: $0.00
First Year Bonus Value: $50.00
Net Annual Rewards: $247.50Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $297.50

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

Tangerine Money-Back Mastercard

Money-Back Rewards

Annual Fee: $0.00
First Year Bonus Value: $100.00
Net Annual Rewards: $246.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $346.00

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

Tangerine Money-Back World Mastercard

Money-Back Rewards

Annual Fee: $0.00
First Year Bonus Value: $120.00
Net Annual Rewards: $246.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $366.00

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

Amazon.ca Rewards Mastercard

Annual Fee: $0.00
First Year Bonus Value: $120.00
Net Annual Rewards: $240.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $360.00

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

Neo World Mastercard – Everywhere

Cash Back

Annual Fee: $0.00
First Year Bonus Value: $0.00
Net Annual Rewards: $240.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $240.00

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

PC Financial Mastercard

PC Optimum

Annual Fee: $0.00
First Year Bonus Value: $20.00
Net Annual Rewards: $240.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $260.00

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

Rogers Red Mastercard

Cash Back

Annual Fee: $0.00
First Year Bonus Value: $0.00
Net Annual Rewards: $240.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $240.00

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