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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.

75 cards · Highest net annual rewards first

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

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

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: National Bank MC1 Mastercard
Annual Fee
$0.00
First Year Bonus Value
$0.00
No current welcome offer
Net Annual Rewards
$0.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$0.00

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
$495.00
First Year Bonus Value
$0.00
No current welcome offer
Net Annual Rewards
-$15.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
-$15.00

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
$29.00
First Year Bonus Value
$0.00
No current welcome offer
Net Annual Rewards
-$29.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$0.00

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
$39.00
First Year Bonus Value
$0.00
No current welcome offer
Net Annual Rewards
-$39.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
-$39.00

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: BMO U.S. Dollar Mastercard
Annual Fee
Unavailable — confirm with issuer
First Year Bonus Value
Offer terms under review. Year 1 requires separately verified offer terms and qualifications.
Net Annual Rewards
Earning contract under review. Verified earning categories, eligible purchases, limits and redemption rules are required before a monetary estimate can be shown.
First Year Value
Year 1 terms under review. Year 1 requires separately verified offer terms and qualifications.
Annual Fee
Unavailable — confirm with issuer
First Year Bonus Value
Bonus awaits approval. First-year offer eligibility, account-opening/reset chronology and bonus credit timing are not approved for this hosted model.
Net Annual Rewards
Earning contract under review. Exact product identity added; reviewed monetary example and complete earning/redemption facts are not yet populated.
First Year Value
Year 1 terms under review. First-year offer eligibility, account-opening/reset chronology and bonus credit timing are not approved for this hosted model.
Annual Fee
$0.00
First Year Bonus Value
$0.00
No current welcome offer
Net Annual Rewards
Redemption & earning under review. No applicable uniform public welcome bonus is recorded. Zero requires no points conversion; payment-based ordinary earning and unverified redemption benchmark remain withheld.
First Year Value
Year 1 terms under review. Year 1 requires separately verified offer terms and qualifications.
View Details: EQ Bank Card
Annual Fee
Unavailable — confirm with issuer
First Year Bonus Value
Bonus awaits approval. First-year offer eligibility, account-opening/reset chronology and bonus credit timing are not approved for this hosted model.
Net Annual Rewards
Earning contract under review. Exact product identity added; reviewed monetary example and complete earning/redemption facts are not yet populated.
First Year Value
Year 1 terms under review. First-year offer eligibility, account-opening/reset chronology and bonus credit timing are not approved for this hosted model.
View Details: Fidem Mastercard
Annual Fee
Unavailable — confirm with issuer
First Year Bonus Value
$0.00
No current welcome offer
Net Annual Rewards
Earning contract under review. No applicable uniform public purchase welcome bonus is recorded. Individual monthly fee/APR disclosure is required; zero bonus does not infer a uniform fee or annual total.
First Year Value
Year 1 terms under review. First-year offer eligibility, account-opening/reset chronology and bonus credit timing are not approved for this hosted model.