Points Rewards Credit Cards

The best approach to getting a points reward card is finding one that best matches your spending habits. Take some time to review your bank and/or credit card statements to see where you frequently spend money. If you are a loyal patron of a specific retailer or company, or you spend a good amount in certain categories, such as travel, electronics, gasoline, etc., try to find a card that will maximize your earning potential.

  • Choose a points reward card if you want a flexible rewards program with many redemption options.
  • Take advantage of bonuses that allow you to earn more points in select spending categories. These bonuses can really add up!
  • Rewards cards typically have higher interest rates. Choose a low rate card if you plan on carrying a monthly balance.
Showing 1 - 7 of 16 cards | View All
Amex Colbalt Card
  • In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
  • 30,000 points is enough for: An eligible short-haul flight using the Fixed Points Travel Program, or $300 in statement credits redeemed towards travel purchases charged to your Card or $300 worth of tickets on Ticketmaster.ca
  • Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada
  • Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B
  • Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases
  • Enjoy a special low interest rate of 7.99% on purchases charged to your Card within the first 6 months**
  • Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
  • Get advance access to tickets to some of the hottest concerts, shows and events through Front Of The Line® by American Express Invites® and advance screenings to blockbuster movies
  • The preferred rate for purchases is 19.99% and funds advances is 22.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%
  • Annual fee of $10 per month of Cardmembership ($120 annually), Supplementary Cards can be added at no additional cost.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply.
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$10 per month of Cardmembership ($120 annually) 19.99% N/A 22.99%
Amex Colbalt Card
American Express Cobalt Credit Card
  • In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
  • 30,000 points is enough for: An eligible short-haul flight using the Fixed Points Travel Program, or $300 in statement credits redeemed towards travel purchases charged to your Card or $300 worth of tickets on Ticketmaster.ca
  • Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada
  • Full credit card details
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Annual Fee:
$10 per month of Cardmembership ($120 annually)
APR:
19.99%
Balance Transfer:
N/A
Cash Advance:
22.99%
Apply Now
Amex Gold Rewards Card
  • New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of Cardmembership
  • That’s enough to redeem for a round-trip Fixed Mileage Flight RewardTM to almost anywhere in North America
  • Earn 2 points for every $1 on eligible travel and  everyday purchases. Earn one point for every $1 in Card purchases everywhere else 
  • Charge any eligible purchase to your Card then log in to redeem your points for a statement credit  
  • Book flights within Canada or to destinations  around the world for a fixed amount of points, with the Fixed Points Travel Program. You can book any airline , fly any day, and even book right up to a day before departure.
  • Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
  • * As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$150 30%* N/A N/A
Amex Gold Rewards Card
American Express® Gold Rewards Card
  • New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of Cardmembership
  • That’s enough to redeem for a round-trip Fixed Mileage Flight RewardTM to almost anywhere in North America
  • Earn 2 points for every $1 on eligible travel and  everyday purchases. Earn one point for every $1 in Card purchases everywhere else 
  • Full credit card details
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Annual Fee:
$150
APR:
30%*
Balance Transfer:
N/A
Cash Advance:
N/A
Apply Now
  • Limited time offer, online only! Receive 5,000 TD Rewards Points when you keep your Account open, active and in good standing for 90 days after Account opening1. This offer is not available for residents of Quebec. For Quebec residents, please click here.
  • No Annual Fee.
  • Earn 2 TD Rewards Points for every $1 in grocery, restaurant and fast food purchases2, and regularly recurring bill payments3.
  • Earn 3 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com4.
  • Earn 1 TD Rewards Point for every $1 you spend on all other purchases5.
  • Flexibility to use your TD Rewards Points on what you want – gift cards, merchandise, travel and more.
  • Your TD Rewards Points will never expire as long as you are a Cardholder.
  • Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please visit the TD site.

1 Must apply by March 3, 2019. To receive the 5,000 TD Rewards Points to the TD Rewards Visa Account (“Account”), you must keep your Account open, active and in good standing for 90 days after Account opening. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

2 Earn 2 TD Rewards Points ("Grocery Rebate") for every $1 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your TD Rewards Visa Card Account ("Account") and earn 2 TD Rewards Points ("Restaurant Rebate") for every $1 in Purchases at restaurants including fast food restaurants ("Restaurant Purchases") charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Grocery Purchase or Restaurant Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $5,000 Cap: Each of the Grocery Rebate and the Restaurant Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 Cap has been reached for either Grocery Purchases or Restaurant Purchases, then any further Grocery Purchases and Restaurant Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 1 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Grocery Rebate and Restaurant Rebate: Each of the Grocery Rebate and the Restaurant Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Grocery Rebate and/or the Restaurant Rebate, the Grocery Purchases and /or Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "grocery", "restaurant" or "fast food" category. Some merchants may (i) sell groceries or grocery items; (ii) provide restaurant service or sell fast food; or (iii) have separate merchants located on their premises that also sell groceries or grocery items, or provide restaurant service or sell fast food; but may not be classified with a grocery, restaurant or fast food MCC and such Purchases will not earn the Grocery Rebate or Restaurant Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

3 Earn 2 TD Rewards Points ("PAP Rebate") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Rewards Visa Card Account ("Account") and that are classified through the Visa network as "recurring payments" ("Pre-Authorized Payments"). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $5,000 Cap: The PAP Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 1 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

4 Earn 3 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to your TD Rewards Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 2 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to your TD Rewards Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Phone Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

5 Earn 1 TD Rewards Point ("Standard Rebate") on every $1 on all other Purchases ("Other Purchases") charged to your TD Rewards Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

6 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

* Trademark of Visa International Service Association and used under license.

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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 (Authorized User Cards: $0) 19.99% 22.99% 22.99%
TD Rewards Visa* Card
  • Limited time offer, online only! Receive 5,000 TD Rewards Points when you keep your Account open, active and in good standing for 90 days after Account opening1. This offer is not available for residents of Quebec. For Quebec residents, please click here.
  • No Annual Fee.
  • Earn 2 TD Rewards Points for every $1 in grocery, restaurant and fast food purchases2, and regularly recurring bill payments3.
  • Full credit card details
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Annual Fee:
$0 (Authorized User Cards: $0)
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
22.99%
Apply Now
Scotiabank Gold American Express Card
  • Earn 15,000 bonus points with your first $1000 in everyday purchases in the first 3 months†
  • Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible everyday purchases
  • Extraordinary travel benefits. Flexible Point Redemption. Comprehensive travel insurance
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Complimentary Concierge Services 24/7
  • Access to Priority Pass Lounges worldwide
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
First year free then $99 19.99% 22.99% 22.99%
Scotiabank Gold American Express Card
Scotiabank®* Gold American Express® Card
  • Earn 15,000 bonus points with your first $1000 in everyday purchases in the first 3 months†
  • Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible everyday purchases
  • Full credit card details
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Annual Fee:
First year free then $99
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
22.99%
Apply Now
  • Earn 2,000 bonus points with your first $500 in everyday purchases in first 3 months†
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
  • Redeem points for free movies at Cineplex Entertainment theatres, music and other entertainment rewards
  • Entertainment rewards like free movies start at just 1,000 points!
  • When you get a SCENE VISA card, you also receive a black SCENE membership card. Show your black SCENE card when you purchase your movie tickets and concession combos to earn even more points at the movies and use it to redeem your SCENE points for rewards.
  • No Annual Fee
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.99% 22.99% 22.99%
SCENE® VISA* Card
  • Earn 2,000 bonus points with your first $500 in everyday purchases in first 3 months†
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
  • Full credit card details
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
22.99%
Cash Advance:
22.99%
Apply Now
Best Western Mastercard® credit card
  • Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡
  • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay
  • You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year◊◊
  • No limit to the Best Western Rewards® points that can be earned using the credit card in a year
  • Use your Best Western Rewards® points in many ways – hotel stays, dining, gift cards and more.
  • You could get a 1.99% promotional annual interest rate (“AIR”)† for 10 months on balance transfers✪ [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50)
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.99% 1.99% on balance transfers for the first 10 months 24.99%
Best Western Mastercard® credit card
Best Western Mastercard® credit card
  • Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡
  • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay
  • Full credit card details
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
1.99% on balance transfers for the first 10 months
Cash Advance:
24.99%
Apply Now
BlueSky Credit Card
  • New Blue Sky® Credit Card Cardmembers, earn 10,000 Blue Sky® Points after you charge $500 in purchases to your Card in your first three months of Cardmembership
  • Earn 1.25 Blue Sky® Points for every $1 in purchases charged to the Card
  • You can start redeeming with as little as 10,000 points towards any travel purchase charged to your Card
  • Enjoy the convenience of no blackout dates, no seat restrictions and no travel restrictions
  • $100,000 Travel Accident Insurance
  • The preferred rate for purchases is 19.99% and funds advances is 22.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%.
  • No annual fee and Additional Cards are Free
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
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Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 19.99% N/A 22.99%
BlueSky Credit Card
Blue Sky® Credit Card
  • New Blue Sky® Credit Card Cardmembers, earn 10,000 Blue Sky® Points after you charge $500 in purchases to your Card in your first three months of Cardmembership
  • Earn 1.25 Blue Sky® Points for every $1 in purchases charged to the Card
  • You can start redeeming with as little as 10,000 points towards any travel purchase charged to your Card
  • Full credit card details
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Annual Fee:
$0
APR:
19.99%
Balance Transfer:
N/A
Cash Advance:
22.99%
Apply Now