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Canadian Credit Card Reviews — CardNorth

Updated

CardNorth publishes in-depth, independent reviews of Canadian credit cards. Our reviews cover earn rates, welcome bonuses, annual fees, insurance benefits, and perks — all verified against the card issuer’s official terms.

All figures are in Canadian dollars (CAD). We note where cards are unavailable in Quebec due to provincial consumer protection regulations.

Aeroplan Card Reviews

Aeroplan is Canada’s most popular travel rewards programme, co-issued by TD Bank and CIBC, with an additional premium card from American Express.

CardAnnual FeeKey Earn RateRating
TD Aeroplan Visa Infinite$1391.5x groceries, gas & Air Canada4.2/5
CIBC Aeroplan Visa Infinite$1391.5x groceries, gas & Air Canada4.1/5
Amex Aeroplan Reserve$5993x Air Canada purchases4.4/5
TD Aeroplan Visa Platinum$891x on all purchases3.6/5

TD Aeroplan Visa Infinite vs. CIBC Aeroplan Visa Infinite

Both cards share the same $139 annual fee and 1.5x earn rate on groceries, gas, and Air Canada purchases. The primary differences are in insurance coverage details and the banking relationship. TD cardholders benefit from TD’s First Class Travel portal integration; CIBC cardholders may prefer CIBC’s banking ecosystem. If you bank with TD, choose the TD card; if you bank with CIBC, the CIBC version is the natural choice.

Is the Amex Aeroplan Reserve Worth $599?

The Amex Aeroplan Reserve is Canada’s premium Aeroplan card. At $599/year, it delivers complimentary Maple Leaf Lounge access (domestic and international), a $100 NEXUS fee credit, and priority boarding. The 3x earn rate on Air Canada purchases is unmatched. For frequent Air Canada flyers who can extract maximum value from lounge access and premium benefits, it easily justifies its fee.

All Card Reviews by Issuer

ATB Financial

Affinity Credit Union

American Express

Assiniboine Credit Union

BMO

Brim Financial

CIBC

Caisse Populaire

Cambrian Credit Union

Canadian Tire

Capital One

Coast Capital Savings

Conexus Credit Union

Desjardins

EQ Bank

First West Credit Union

HSBC

Home Trust

Innovation Credit Union

Interior Savings Credit Union

KOHO

MBNA (TD Bank)

Meridian Credit Union

National Bank

Neo Financial

PC Financial

Peoples Trust

Petro-Canada

Plastk

RBC

Refresh Financial

Rogers Bank

Scotiabank

Servus Credit Union

Simplii Financial

Steinbach Credit Union

TD

Tangerine

Vancity

Wealthsimple

Other Issuers

How We Rate Canadian Credit Cards

CardNorth evaluates credit cards on five criteria:

  1. Earn rates — How much you earn per dollar spent, across spend categories
  2. Welcome bonus value — Dollar value of the sign-up bonus at typical redemption rates
  3. Annual fee — Net value after subtracting any credits that offset the fee
  4. Benefits — Insurance (travel, purchase, extended warranty), lounge access, credits
  5. Flexibility — How easy is it to earn and redeem? Transfer partners? Blackout dates?

Our ratings are based on the average Canadian cardholder, spending roughly $2,000/month across groceries, gas, dining, and general purchases.

Card details verified as of May 2026. Annual fees, earn rates, and welcome bonuses are subject to change — always confirm with the issuer before applying. See our Advertiser Disclosure.