The Best Visa Cards in Canada: A 2020 Review

May 29, 2020
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When it comes to choosing the best Visa cards Canada has to offer, we have to think about what it is that makes a credit card special for each person. It could be which is the issuing bank or it could have more to do with the type of card. Whether you’re looking for the top favourites from Desjardins, CIBC, Scotia and TD, or if you’re looking for the best visa travel card, the best cashback card or the best student card- we’ve got you covered.

After going through all the perks, features, pros and cons of each of the available Visas in Canada, we firmly believe that the best visa card for Canadians is the Scotia Momentum Visa Infinite, because of its awesome cash back rates, comprehensive travel insurance and acceptable annual fee. It offers the best cost to benefit ratio, so if you’re looking for a good Visa card to add to your wallet, this is it.

Most Canadians, at the very least, own one credit card and one debit card. The reason why many people own a credit card is primarily for having extra cash to spend or to have available funds in case of emergencies. The other reason would be to take advantage of all the cashback opportunities, the travel rewards, insurance, and promotional benefits that are unique to the cards they sign up for. 

Today, the major names that dominate the electronic payment and credit card industry and handle the majority of the world’s card payments are:

  • VISA
  • MasterCard
  • American Express
  • Discover

In this review, we’re zeroing on the best visa cards in Canada. 

What’s the difference between Visa and Mastercard?

The most glaring difference between a Visa and Mastercard is the payment network. A Visa card will not work on Mastercard’s network and a Mastercard will not work on the Visa network. 

However, when it boils down to the specific card types, not all Visa cards have the same features and not all Mastercards have the same features. In this sense, Visa offers a set of standard features depending on the card type, be it a regular Visa, a Visa Infinite, or a Visa Infinite Privilege card. Similarly, Mastercard offers a series of standard special perks depending on if the card is a regular, World or World Elite Mastercard. The rest of the specific perks, pros and cons depend exclusively on the card-issuing bank or financial institution.

How Do Visa’s Perks Compare To Mastercad’s

As we mentioned above, there is no major disadvantage between owning a Visa or a Mastercard. The VISA card comes with:

  • Extra coverage protection when you rent a car
  • Fraud and Identity theft protection
  • Emergency card replacement 
  • Extended warranties 
  • Assistance for emergencies when traveling

That said, depending on what you want your card to have, these minor drawbacks may  be a deal-breaker for you when it comes to choosing a Visa or Mastercard:

  • Exchange rates- Mastercard offers a slightly better conversation rate especially when it comes to foreign currency purchases. You can compare their rates and find more info at the Mastercard and Visa websites.
  • Return protection- Most Mastercards offer a “Satisfaction Guarantee,” which usually means they offer a refund up to $250 within 60 days of purchase. Visa only gives its members return protection for its Infinite cards. Some Signature cards may carry this offer as well. 

How To Choose A Credit Card

Choosing the right card depends entirely on your needs and what you’re looking for in a card. 

Some of the questions to ask yourself before signing up for any credit card are:

  • What are your most common/regular purchases?
  • Are you looking for a card with lower interest rates?
  • Do you mind paying annual fees? 
  • What kind of rewards are you looking for in a visa card? 
  • Do you want a card just for its perks?
  • Do you travel often and if yes, is travel insurance something you require? 

Answering these questions will make it a lot clearer for you what your priorities are and it will make it easier to choose the ideal card for you.

Finding the right Visa card will save you hundreds of dollars because every dollar you spend, counts. Choosing the right program, using your card wisely, and paying the balance monthly will ensure that you get the most out of your card. 

This review on the best Visa cards in Canada is broken down into two general sections:

  • Best Visas by Bank
  • Best Visas by Type.

What card you ultimately choose depends on you, but in the end, we’ll give you our opinion about which is the best visa card for Canadians this 2020. Let’s begin with visas by banks. 

Best Visas In Canada By Bank

Most major banks in Canada offer visa credit cards. We did the homework on researching all these cards and picked out the best ones offered by

  • Scotiabank
  • Desjardins
  • TD
  • CIBC

Let’s take a look at the cards that each of these banks provide.

Best Scotiabank Visa Cards

Here are the best two visa cards in Canada offered by Scotiabank:

  • Scotiabank Momentum Visa Infinite
  • Scotia Value Visa

Let’s delve into one of the most important benefits that these cards offers,

The Scotia Momentum Visa Infinite

Best Visa Card Canada- Scotia Momentum Visa Infinite

The Scotia Momentum Visa Infinite ranks high on many lists including ours and why not? As a cashback card, you can earn twice as much on regular grocery spending and recurring bills.  Here  is a quick breakdown:

  • 4% cashback on recurring bill payments and grocery spending
  • 2% cashback on gas
  • 1% cashback on all transactions
  • Welcome bonus of 10% cashback on the first 3 months or until you collect $200 at bonus rate

The cashback of 2% & 4% has a maximum cap of $25,000 annually but the flat cashback rate is unlimited. The annual fee of $120 is also waived for the first year. There is also a $350+ value that cardholders can enjoy within their first few months. Apart from this lucrative cashback scheme, this card also has an impressive travel insurance package that rivals that of premium cards. These are:

  • Emergency Medical Insurance: $1,000,000 for you, your spouse and accompanying dependent children each up to 15 days (for ages below 65) 
  • Travel Accident Insurance of up to $500,000 
  • Trip Cancelation Insurance coverage of $1,500
  • Trip Interruption Insurance coverage of $2,000
  • Baggage Delay & Flight Delay Insurance of $500
  • Lost or Stolen Baggage Insurance of $500

This visa card in Canada can help you save on your daily/monthly spending on groceries and bill payments. The 4% cashback earn rate itself is attractive for those hoping to score savings from their required spending. The card has a minimum annual income of $60,000. 

The Scotiabank Value Visa Card

Best Visa Card Canada- Scotiabank Value Visa Card

The Scotiabank Value Visa Card is the card to sign up for if you are looking for a low-interest card under the Scotiabank brand. This card has an impressive low purchase interest rate at 12.99% and a low annual fee of just $29, which means you can save up to hundreds of dollars just on interest. Here are other perks of this card:

  • Balance transfers in the first 6 months at a low-interest rate of just 0.99%
  • Post-promotional APR of 11.99%
  • Enjoy an interest-free grace period of 21 days to pay your statement balance
  • Supplementary cards are free

The Value Visa Card is a great option for anyone looking to do a balance transfer at a low-interest rate. Also, users who are frequent travelers on the road can benefit from the 20% discount on Avis car rentals. 

This card also makes it easy to make small purchases with the payWave feature which makes checkout fast and easy whether using the card or using the mobile phone app to pay.


Best Desjardins Visa Cards

From Desjardins, we have these two of the best visa cards:

  • Odyssey Visa Infinite Privilege
  • Cashback Visa/Mastercard

Desjardins offers some really cool benefits with all of its cards. Most prominent would be its mobile device insurance and travel insurance of up to three days. 

The Odyssey Visa Infinite Privilege

Best Visa Card Canada- Desjardins Odyssey Visa Infinite Privilege

The Odyssey Visa Infinite Privilege is our favorite from Desjardins. Firstly, if you are looking for attractive earn rates, the Odyssey Visa delivers. This card offers:

  • Earn rates- 2% earn rates on all purchases. 
  • Mobile device insurance and travel insurance for up to 3 days. 
  • Medical Insurance – this card offers travel medical insurance coverage of up to $5,000,000, 
  • Trip cancellation coverage of $2,500 per person
  • Travel accident coverage up to $1,000,000
  • Unlimited trip interruption coverage. 

These figures are more than what some Canadian cards with higher annual fees offer. 

Speaking about annual fees, the Odyssey has a price tag of $395/year. On the other hand, you can save a significant amount of money with the card’s low-interest rate of 9.9%.

The Desjardins Cashback Visa/Mastercard

Best Visa Card Canada- Desjardins Cashback Visa Mastercard

If you like Desjardins as a brand, then you’d also like their Cashback Visa/Mastercard. It’s very rare to find a card that is available in either Visa or Mastercard, especially in Canada but this is exactly what Desjardin’s Cashback Visa/Mastercard offers. Upon signing up for the card, you get to choose which payment type you prefer and you’d get the same benefits, rewards, and standard interest rates. 

  • Cashback- The cashback on this card does not rival that of the Odyssey but as a no-annual-fee card, it offers a stellar cashback of 1% on all kinds of purchases whether its gym memberships, household bills, groceries, gas, and magazine subscriptions are done via contactless payments.
  • It’s a great entry-level card for those starting out and for those that have a decent credit score. 
  • There are no annual fees, no transaction fees 
  • It also offers a flat 1% in BonusDollars. 
  • Mobile Device insurance is especially handy for students whose lifeline is their smartphones.
  • Travel insurance coverage is also available for the first 3 days of trips, making this card pretty comprehensive.

Best TD Visa Credit Cards

Here are the two best visa cards in Canada offered by TD:

  • The TD Cash Back Visa Infinite 
  • TD Aeroplan Visa Infinite Card

Let’s take a closer look into what these these cards offer.

The TD Cash Back Visa Infinite

Best Visa Card Canada- TD Cash Back Visa Infinite

The TD Cash Back Visa Infinite offers a great welcome bonus, along with decent earn rates.

  • Welcome bonus- When it comes to cashback, this card offers a 6% cashback welcome bonus on all purchases for the first three months, up to a total spend of $2,000. Totaling a maximum of $200, that is enough to upset the annual fee ($120) and still net your $80. TD also waives the annual fee for this card in the first year, and this applies to the primary and first additional cardholder. 
  • After three months, the cards’ earn rates are at 3%  on groceries, gas, and recurring bill purchases. For every other type of purchase, you get a 1% return on your spending. 
  • If you find yourself constantly buying bulk for a big household, then this can be a huge saver. The 3% earn rate lasts up to $15,000 of spending.

A little trick to get the most out of the recurring bills category is to set up subscriptions and other types of monthly payments as automatic, in order for them to net you that 3% cashback. After one year of annual-fee waiver, you have to pay $120 and there’s also an annual minimum income of $60,000 or a household income of $100,000 to apply. The first year for this card is quite valuable, with its 6% cashback welcome bonus rate, along with two first-year annual fee rebates (for the primary and first extra cardholder).

The TD Aeroplan Visa Infinite

TD Aeroplan Visa Infinite

The TD Aeroplan Visa Infinite is the card you want if you’re looking for a TD brand with an Aeroplan program. This card offers:

  • Welcome bonus that is enough to fit either two roundtrip short-haul flights or one long haul flight to any part of the continental US. 
  • Your first purchase with this card gets you 15,000 miles, and for the first three months you get an increased earn rate of 5 miles per $1 spent, up to a maximum of $1,000 per month.

It also comes with excellent travel insurance that covers:

  • Emergency medical coverage of up to $1 million for up to 21 days.
  • Trip cancellation / interruption.
  • Delayed/lost baggage.
  • Flight / trip delay.
  • Common carrier travel accident.
  • Car rental collision / loss.

This card comes with purchase security and extended warranty protection as well.

For the Aeroplan program, this card offers: 

  • earn rate of 1.5 miles per $1 spent on eligible groceries, gas, drugstores, and Air Canada purchases. As well as 1 mile per $1 spent on every other purchase. 
  • Aeroplan miles at 2 cents per mile, which means you get up to three cents per dollar spent with their highest rate ($300 per every $10,000 spent) and a minimum of two cents with the other ($200 per every $10,000 spent). 

That’s one of the best cents per point value out of all the Canadian rewards programs. And also take into account that you can earn miles twice if you have an Aeroplan membership card.

This card has an annual fee of $120 and requires either a minimum personal income of $60,000 or a household income of $100,000 to apply.

Best CIBC Visa Cards

Here are the best visa cards in Canada offered by CIBC:

  • AC Conversion Visa Prepaid Card
  • CIBC Aventura Visa Infinite Card

Let’s delve into the most important benefits and features each of these cards offer.

The AC Conversion Visa Prepaid Card

AC Conversion Visa Prepaid Card

The AC Conversion Visa Prepaid Card is not a credit card. It is a prepaid card with all the efficiencies of a credit card. The main attraction for this card would be its capacity to hold up to $20,000 spread across 10 supported currencies. This feature is extremely useful for those wanting to avoid high transaction fees when purchasing abroad. Using this card also minimizes the need to carry large amounts of cash while traveling. When you make purchases in foreign currencies, the AC Conversion Visa determines the transaction currency and automatically uses the relevant currency if it has been preloaded to the card. 

This way, the cardholder saves from having to pay foreign transaction fees for every transaction made. Keep in mind that the common transaction fees rate is 2.50%. With this card, you can:

  • Preload currencies on to the card whenever you like
  • It enables you to lock in the exchange rate at the time of purchase
  • This method enables you to take advantage of favorable rates especially for upcoming vacations or business trips
  • This card has $0 annual fee, no fee to load the card as well as no conversion fees when a purchase is made
  • 1 free international ATM withdrawal per month
  • You can load up to 10 currencies to a maximum of $20,000
  • Does not build credit
  • Unlimited withdrawals in Canadian ATMs

CIBC Aventura Visa Infinite Card

Best Visa Card Canada- CIBC Aventura Visa Infinite Card

CIBC Aventura Visa Infinite Card is a card with full range insurance perks. It gives the cardholder the ability to earn Aventura points that can be used on airfare from any airline. The card also has a generous welcome. Firstly, here are some exciting perks you get with the CIBC Aventura:

  • By signing up before July 5, 2020, you get a welcome bonus of 35,000 point intro package
  • $120 annual fee (first-year annual fee rebate)
  • Application fee rebate when you sign up for the NEXUS program which gives you expedited border crossing into the US
  • 4 annual free entrance vouchers to more than 1,200 airport lounges
  • Complimentary membership to Priority Pass
  • Book any seat on any airline and on any date with no restrictions

This card also offers some impressive savings from its rewards program especially when you book travel through the CIBC Rewards center. You get:

  • 2 Aventura points per $1 spent
  • 1.5 points per $1 spent on groceries, gas and drugstore purchases
  • 1 point for every $1 on other purchases
  • 20,000 points on the first eligible purchase
  • 15,000 points after spending at least $10,000 in purchases within your first year

The most beneficial perk for this card is the ability to book any airline with the Aventura points and also use it to cover any fees and taxes. This card also has an impressive insurance program that includes trip cancelation and interruption coverage, flight and baggage delays, travel accidents as well as travel medical needs. The coverage you get is:

  • Coverage up to $5 million up to 31 days for eligible emergency travel medical expenses for cardholders under age 65 or the first 10 days of a trip for cardholders aged 65 or over
  • Trip cancellation expenses up to $2,500 per insured person, per trip, up to a maximum of $10,000 
  • Trip interruption/trip delay expenses up to $5,000 per insured person, per trip, up to a maximum of $25,000 
  • Flight Delay or Baggage delay of up to $500 per insured person 
  • $500 per insured person for emergency purchases of necessary clothing and toiletries when your baggage on your outbound trip is delayed more than 6 hours
  • Personal mobile insurance coverage  of up to $1,500 per occurrence, per insured person, for your personal mobile device

Keep in mind that this card requires a minimum annual income of $60,000 individual or $100,000 per household.

Best Visas By Type

The classification by banks will help you choose the best visa card if you already have an account with either of the banks mentioned above. Now, we will analyze the best visa credit cards according to their types so you can choose the best visa card in Canada based on the priorities you want in a card.

Here, we have classified them according to six different categories:

  • Best Visa Travel Card- TD First Class Travel Visa Infinite Card
  • Best Cashback card- Scotia Momentum Visa Infinite
  • Best No-Foreign Transaction Card- Scotia Passport Visa Infinite Card
  • Best Aeroplan Card – TD Aeroplan Visa Infinite Card 
  • Best Student Credit Card for Rewards- Scotiabank SCENE Visa Card 
  • Best Prepaid Visa Cards in Canada- The CIBC AC Conversion Visa Prepaid Card 

Each of these cards has its perks and benefits. Let’s take a closer look.

Best Visa Travel Card- TD First Class Travel Visa Infinite Card

TD First Class Travel Visa Infinite

This is the same card we covered under the best visa credit cards in Canada by bank, under TD. This card is featured again because it is a really good travel card to have.

If you like earning points when you travel (and also at every point you make a purchase), the TD First Class Travel Visa Infinite card is for you.  This is the first choice for points as you can collect TD Rewards Points all throughout the year and make easy redemptions via Expedia for TD. With this card, you get:

  • 3 points for every $1 spent on everyday purchases (1.5% on travel points)
  • 9 points for every $1 spent on online purchases through Expedia for TD (4.5% on travel points)
  • $120 annual fee (first-year annual fee rebate)
  • 65,000 points as a welcome bonus (with a travel value of $325)
  • 20,000 points when you make your first purchase on the card within the first 3 months
  • 15,000 additional points each month if you spend at least $1000 within your first 3 months

The Expedia for TD is a platform that will help you redeem your TD points and as for now, they are among the best travel visa cards. Regarding earn rates, apart from the above, you also get:

  • 6 points for every $1 spent on travel via phone order with Expedia for TD
  • 3 points for every $1 spent on other purchases

Where travel insurance is concerned, the TD First Class offers:

  • Travel Medical Insurance of up to $1 million for the first 21 days. For cardholders aged 65 and above, coverage is for the first 4 days
  • Trip Cancellation of up to $1,500  and Trip Interruption of up to $5,000 per insured person
  • Common Carrier Travel Accident Insurance up to  $500,000 for covered losses while traveling on a common carrier 
  • Delayed and Lost Baggage Insurance amounting to $1,000 overall coverage per insured person if your baggage is delayed more than 6 hours or lost.
  • Priority Pass discount
  • Annual discount on 1,200 VIP airport lounges worldwide

Best Cashback Card- Scotia Momentum Visa Infinite

Best Visa Card Canada- Scotia Momentum Visa Infinite Card

For the best visa cards in Canada that have impressive cashback, you want to choose cards that offer you a high percentage on a wide and expansive variety of categories. And for this purpose, the Scotia Momentum Visa Infinite card gets the approval seal. With this card, users benefit from:

  • 4% cashback on groceries and recurring bill payments 
  • 2% cashback on gas and public transit spends
  • 1% on all other purchases

These rates collectively make up the highest earn rates across some of the most common purchases. Apart from that, this card also offers the Visa Infinite Dining and Wine Country program and concierge services. You also get mobile device insurance which is handy when you travel or dine out often. The card also has a $120 annual fee which is rebated for the first year and a welcome bonus of 10% cashback on your purchases for the first 3 months. 

Where insurance coverage is concerned here is a quick breakdown:

  • Coverage up to $2,000 per insurance person for eligible expenses when you charge at least 75% of your trip expenses on your card
  • Emergency Medical Coverage of up to $1 million for sudden and unexpected illnesses or accidental injury
  • $500 coverage for a delayed flight of up to 4 hours or more
  • $500 coverage on lost or stolen luggage
  • $500 for all insured persons for delayed luggage

This card has a minimum required of $60,000. 

Best No-Foreign Transaction Card- Scotia Passport Visa Infinite Card

Scotiabank Visa Infinite Card

When it comes to no foreign transaction fees, the Scotiabank Passport Visa gets top votes! The welcome bonus itself is attractive. The first $1,000 spent on the card within your first three months, you earn 30,000 bonus points. This bonus equates to $300 in travel rewards. Other perks include:

  • 6 free airport lounge visits
  • Priority Pass membership valued at $379
  • Save the first-year average of $115 in foreign transaction fees on foreign currency purchases ( You save 2.5% in foreign transaction fees)
  • $50 waiver on your first supplementary card 

Every $1 spent on these purchases will earn you 2 Scotia Rewards Points:

  • Dining
  • Entertainment (movies, musicals, plays)
  • Public Transit (taxis, trains, rideshares)
  • Specific grocery purchases
  • Movies

For other purchases, you get 1 point for every $1 you spend. 

The no foreign transactions fees justify the $139 annual fee. Cardholders will not be charged any Foreign Currency Conversion fees markup on foreign currency purchases whether it is made online or outside of Canada. 

There is a minimum annual income requirement of $60,000.

Best Aeroplan Card – TD Aeroplan Visa Infinite Card 

Best Visa Card Canada-TD Aeroplan Visa Infinite Card

The TD Aeroplan Visa Infinite Card not only makes it into the list as one of the best visa cards in Canada by Bank but also by Type and in this case, it is also the best Aeroplan card. Let’s look at the details of the Aeroplan program:

  • It comes with a lucrative 30,000 Aeroplan Miles welcome bonus
  • Your first purchase with this card gets you 15,000 miles, and for the first three months you get an increased earn rate of 5 miles per $1 spent, up to a maximum of $1,000 per month. 
  • 1.5 Aeroplan miles for every $1 spent on gas, groceries, drugstore purchases and on AirCanada.com
  • 1 Aeroplan mile for every $1 spent on every other purchase
  • You earn double the rewards when you pay with your Aeroplan credit card and make purchases at Aeroplan partners
  • Aeroplan miles at 2 cents per mile, which means you get up to three cents per dollar spent with their highest rate ($300 per every $10,000 spent) and a minimum of two cents with the other ($200 per every $10,000 spent). 
  • If you apply for this card by May 31, 2020, you get an annual fee rebate for the first year and the welcome bonus of up to 30,000 Aeroplan Miles (which gives you the equivalent of 2 economy short-haul roundtrip flight rewards).

This is an outstanding Aeroplan credit card and it sweetens the deal even further by making it extremely easy and fast for you to rack up your Aeroplan Miles- simply present your Aeroplan membership card, pay with your Aeroplan Card and make purchases at Aeroplan partners to get loads of rewards. 

For a card with $120 in annual fees, this card also offers excellent travel insurance coverage: 

It also comes with excellent travel insurance that covers:

  • Emergency medical coverage of up to $1 million for up to 21 days.
  • Trip cancellation / interruption.
  • Delayed/lost baggage.
  • Flight / trip delay.
  • Common carrier travel accident.
  • Car rental collision / loss.

This card comes with purchase security and extended warranty protection as well.

Best Student Credit Card For Rewards- Scotiabank SCENE Visa Card 

Best Visa Card Canada-  Scotiabank SCENE Visa Card

This card is an excellent choice for best visa cards in Canada under the student credit card. It is a no-fee credit card plus has lucrative rewards. The biggest perk comes in the form of movie rewards. For every dollar spent at the movies, you earn 5 SCENE points. Students can also redeem these points for live events, free movie tickets, concessions, and much more. 

The redemption at 1,000 points is relatively low which means you can use this card for daily purchases, cashing in the points for a variety of things students usually spend on such as meals and movies. Here is a quick rundown of the Scotiabank Scene Visa Card: 

  • $0 annual fees 
  • 2,500 welcome bonus SCENE points on your first $500 within the first 3 months on daily purchases
  • 1x SCENE Point for every $1 spent on everyday purchases
  • 5x SCENE Points for every $1 spent at Cineplex at cineplex.com
  • You can redeem a FREE movie with just 1,250 points

Best Prepaid Visa Cards In Canada- The CIBC AC Conversion Visa Prepaid Card 

CIBC AC Conversion Visa Prepaid Card

As described earlier on, the CIBC AC Conversion Visa Prepaid card’s main attraction for this card would be its capacity to hold up to $20,000 spread across 10 supported currencies. This feature is extremely useful for those wanting to avoid high transaction fees when purchasing abroad. Using this card also minimizes the need to carry large amounts of cash while traveling. When you make purchases in foreign currencies, the AC Conversion Visa determines the transaction currency and automatically uses the relevant currency if it has been preloaded to the card. 

This way, the cardholder saves from having to pay foreign transaction fees for every transaction made. Keep in mind that the common transaction fees rate is 2.50%. With this card, you can:

  • Preload currencies on to the card whenever you like
  • It enables you to lock in the exchange rate at the time of purchase
  • This method enables you to take advantage of favorable rates especially for upcoming vacations or business trips
  • This card has $0 annual fee, no fee to load the card as well as no conversion fees when a purchase is made
  • 1 free international ATM withdrawal per month
  • You can load up to 10 currencies to a maximum of $20,000
  • Does not build credit
  • Unlimited withdrawals in Canadian ATMs

Which Are The Best Visa Cards Canada Has To Offer

It’s hard to pin down the best visa card in Canada simply because each card comes with its own perks, rewards, and benefits and are targeted to a specific type of consumer. But if we at Yore Oyster really had to choose, we would narrow the list down to the following three:

  • Scotia Momentum Visa Infinite for its unrivalled cashback value
  • The TD Aeroplan Visa Infinite Card for its robust Aeroplan program
  • The CIBC AC Conversion Visa Prepaid Card for its prepaid benefits.

Chose one of these three, and you can’t go wrong! However, if we had to choose just one that best represents all you can get out of a Visa without disbursing too much in annual fees, then the Scotia Momentum Visa Infinite is our top choice.

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