Canadian Credit Card Finder

Best Visa Credit Cards in Canada (2026)

Visa is the network behind most of the big banks' flagship travel cards in Canada, including the TD and CIBC Aeroplan cards, RBC Avion and Scotiabank Passport. The picks below are every Visa card on this site, sorted into categories and ranked by a simple, stated rule, so you can see the strongest current option for how you spend. Open a review before you apply: the review covers earn rates, caps and insurance in detail.

By Card details as of How we review cards

Top Visa picks at a glance

57 Visa cards from 8 issuers are reviewed on this site. Here is the top card in each category; the sections below show the runners-up.

Category Card Annual fee Welcome offer
No annual fee CIBC Aeroplan Visa Card $0 Earn up to $200 in value, which includes up to 10,000 Aeroplan points!
Cash back TD Cash Back Visa Infinite Card $139 Earn up to $600 in value
Travel and points TD Aeroplan Visa Infinite Privilege Credit Card $599 Earn up to 100,000 Aeroplan points (up to $3,300 in value): 20,000 on first purchase + 30,000 after $12,000 in 180 days + 50,000 anniversary after $24,000 in 12 months.
Premium CIBC Aeroplan Visa Infinite Privilege Card $599 Apply and earn up to $3,200 in value, which includes up to 100,000 Aeroplan points!
Low interest Desjardins Flexi Visa $0 None listed
Students CIBC Aeroplan Visa Card for Students $0 Earn up to $200 in value, which includes up to 10,000 Aeroplan points!
U.S. dollar CIBC U.S. Dollar Aventura Gold Visa Card $35 USD Earn up to 2,500 Aventura Points and a first-year annual fee rebate

Best no annual fee Visa cards

Visa cards that list a $0 annual fee, so anything they earn is yours to keep.

Ranked by: First-year value: the welcome offer the issuer advertises, minus the annual fee.

  1. #1 CIBC Aeroplan Visa Card CIBC
    Annual fee
    $0
    Welcome offer value
    Up to $200
    First-year value after fee
    $200

    Key features: 1 point per $1 on eligible gas, EV charging, groceries and Air Canada purchases (including Air Canada Vacations), and 1 point per $1.50 on everything else.

    Offer: Earn up to $200 in value, which includes up to 10,000 Aeroplan points!

    Read the CIBC Aeroplan Visa Card review →
  2. #2 CIBC Aventura Visa Card CIBC
    Annual fee
    $0
    Welcome offer value
    Up to $200
    First-year value after fee
    $200

    Offer: Earn up to $200 in value, incl. up to 12,500 Aventura Points

    Read the CIBC Aventura Visa Card review →
  3. #3 RBC ION Visa RBC
    Annual fee
    $0
    Welcome offer value
    Up to $100
    First-year value after fee
    $100

    Key features: Earn 1.5X Avion points for every $1 spent on groceries, rides, gas, EV charging, streaming, and digital gaming & subscriptions.

    Offer: Get up to 14,000 Avion points. Apply by November 4, 2026.

    Read the RBC ION Visa review →

Best cash back Visa cards

Visa cards that pay rewards as cash back or statement credits.

Ranked by: First-year value: the welcome offer the issuer advertises, minus the annual fee.

  1. #1 TD Cash Back Visa Infinite Card TD
    Annual fee
    $139
    Welcome offer value
    Up to $600
    First-year value after fee
    $461

    Key features: Earn 3% Cash Back on Grocery, Gas & Electric Vehicle Charging, and Public Transit Purchases.

    Offer: Earn up to $600 in value

    Read the TD Cash Back Visa Infinite Card review →
  2. #2 CIBC Dividend Visa Infinite Card CIBC
    Annual fee
    $120
    Welcome offer value
    Up to $350
    First-year value after fee
    $230

    Key features: 4% cash back on eligible gas, electric vehicle charging, and groceries.

    Offer: Earn up to $350 in value

    Read the CIBC Dividend Visa Infinite Card review →
  3. #3 CIBC Dividend Platinum Visa Card CIBC
    Annual fee
    $99
    Welcome offer value
    Up to $300
    First-year value after fee
    $201

    Key features: 3% cash back on eligible gas, electric vehicle charging, and groceries.

    Offer: Earn up to $300 in value, including an annual fee rebate

    Read the CIBC Dividend Platinum Visa Card review →

Best travel and points Visa cards

Visa cards that earn airline, hotel or flexible points.

Ranked by: First-year value: the welcome offer the issuer advertises, minus the annual fee.

  1. #1 TD Aeroplan Visa Infinite Privilege Credit Card TD
    Annual fee
    $599
    Welcome offer value
    Up to $3,300
    First-year value after fee
    $2,701

    Key features: Earn 2 points for every $1 spent on eligible purchases made directly with Air Canada including Air Canada Vacations.

    Offer: Earn up to 100,000 Aeroplan points (up to $3,300 in value): 20,000 on first purchase + 30,000 after $12,000 in 180 days + 50,000 anniversary after $24,000 in 12 months.

    Read the TD Aeroplan Visa Infinite Privilege Credit Card review →
  2. #2 CIBC Aeroplan Visa Infinite Privilege Card CIBC
    Annual fee
    $599
    Welcome offer value
    Up to $3,200
    First-year value after fee
    $2,601

    Offer: Apply and earn up to $3,200 in value, which includes up to 100,000 Aeroplan points!

    Read the CIBC Aeroplan Visa Infinite Privilege Card review →
  3. #3 CIBC Aventura Visa Infinite Privilege Card CIBC
    Annual fee
    $499
    Welcome offer value
    Up to $2,600
    First-year value after fee
    $2,101

    Offer: Join and earn up to $2,600 in value.

    Read the CIBC Aventura Visa Infinite Privilege Card review →

Best premium Visa cards

Visa cards with an annual fee of $120 or more, where the perks and insurance have to earn the fee back.

Ranked by: First-year value: the welcome offer the issuer advertises, minus the annual fee.

  1. #1 TD Aeroplan Visa Infinite Privilege Credit Card TD
    Annual fee
    $599
    Welcome offer value
    Up to $3,300
    First-year value after fee
    $2,701

    Key features: Earn 2 points for every $1 spent on eligible purchases made directly with Air Canada including Air Canada Vacations.

    Offer: Earn up to 100,000 Aeroplan points (up to $3,300 in value): 20,000 on first purchase + 30,000 after $12,000 in 180 days + 50,000 anniversary after $24,000 in 12 months.

    Read the TD Aeroplan Visa Infinite Privilege Credit Card review →
  2. #2 CIBC Aeroplan Visa Infinite Privilege Card CIBC
    Annual fee
    $599
    Welcome offer value
    Up to $3,200
    First-year value after fee
    $2,601

    Offer: Apply and earn up to $3,200 in value, which includes up to 100,000 Aeroplan points!

    Read the CIBC Aeroplan Visa Infinite Privilege Card review →
  3. #3 CIBC Aventura Visa Infinite Privilege Card CIBC
    Annual fee
    $499
    Welcome offer value
    Up to $2,600
    First-year value after fee
    $2,101

    Offer: Join and earn up to $2,600 in value.

    Read the CIBC Aventura Visa Infinite Privilege Card review →

Best low interest Visa cards

Visa cards built around a lower purchase rate, for anyone who sometimes carries a balance.

Ranked by: Lowest listed purchase interest rate, then lowest annual fee.

  1. #1 Desjardins Flexi Visa Desjardins
    Annual fee
    $0
    Purchase rate
    10.90%
    First-year value after fee
    —
    Read the Desjardins Flexi Visa review →
  2. #2 TD Low Rate Visa Card TD
    Annual fee
    $25
    Purchase rate
    12.90%
    First-year value after fee
    —

    Key features: Earn 50% more Stars at participating Starbucks stores.

    Offer: Get a 0% promotional interest rate on Purchases for the first 6 months from Account opening, plus an Annual Fee rebate for the first year

    Read the TD Low Rate Visa Card review →
  3. #3 RBC Visa Classic Low Rate Option RBC
    Annual fee
    $20
    Purchase rate
    12.99%
    First-year value after fee
    —

    Offer: Enjoy a 0.99% introductory interest rate for the first 10 months on balance transfers and no annual fee for the first year

    Read the RBC Visa Classic Low Rate Option review →

Best student Visa cards

Student versions of Visa cards.

Ranked by: First-year value: the welcome offer the issuer advertises, minus the annual fee.

  1. #1 CIBC Aeroplan Visa Card for Students CIBC
    Annual fee
    $0
    Welcome offer value
    Up to $200
    First-year value after fee
    $200

    Key features: 1 point for every $1 you spend on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations.

    Offer: Earn up to $200 in value, which includes up to 10,000 Aeroplan points!

    Read the CIBC Aeroplan Visa Card for Students review →
  2. #2 CIBC Aventura Visa Card for Students CIBC
    Annual fee
    $0
    Welcome offer value
    Up to $200
    First-year value after fee
    $200

    Key features: 1 point for every $1 spent at eligible gas stations, electric vehicle charging stations, grocery stores and drug stores.

    Offer: Earn up to $200 in value, incl. up to 12,500 Aventura Points

    Read the CIBC Aventura Visa Card for Students review →
  3. #3 CIBC Dividend Visa Card for Students CIBC
    Annual fee
    $0
    Welcome offer value
    Up to $125
    First-year value after fee
    $125

    Offer: Earn up to $125 cash back

    Read the CIBC Dividend Visa Card for Students review →

U.S. dollar Visa cards

Visa cards billed in U.S. dollars, for people who spend or earn in USD.

Ranked by: Lowest annual fee.

  1. #1 CIBC U.S. Dollar Aventura Gold Visa Card CIBC
    Annual fee
    $35 USD
    Welcome offer value
    Up to $25
    First-year value after fee
    -$10

    Key features: 1 point for every $1 spent on eligible travel purchased through the CIBC Rewards Centre (CIBC by Expedia).

    Offer: Earn up to 2,500 Aventura Points and a first-year annual fee rebate

    Read the CIBC U.S. Dollar Aventura Gold Visa Card review →
  2. #2 Scotiabank U.S. Dollar Visa Card Scotiabank
    Annual fee
    $35
    Welcome offer value
    No dollar value listed
    First-year value after fee
    —
    Read the Scotiabank U.S. Dollar Visa Card review →
  3. #3 TD U.S. Dollar Visa Card TD
    Annual fee
    $39
    Welcome offer value
    No dollar value listed
    First-year value after fee
    —
    Read the TD U.S. Dollar Visa Card review →

How these picks are ranked

Within each category, cards are ranked by first-year value: the welcome offer value the issuer advertises, minus the regular annual fee. Low interest cards are ranked by the lowest listed purchase rate instead, and U.S. dollar cards by the lowest fee.

The list rebuilds every time the site is updated, so when an issuer changes an offer or a fee, the order changes with it. First-year value is a starting point, not the whole answer: a card with a smaller welcome offer can still earn more over several years if its everyday rates match your spending.

Each review shows those rates.

Visa tiers: Platinum, Infinite and Infinite Privilege

The tier on a Visa card tells you roughly what comes with it. Classic and Platinum Visa cards usually have no income requirement.

Visa Infinite cards add stronger insurance and perks and usually require $60,000 personal or $100,000 household income. Visa Infinite Privilege cards sit above that, usually at $150,000 personal or $200,000 household income, or assets with the bank.

Our income requirements guide explains where those numbers come from and what to do if you're just below them.

The one place Visa does not work: Costco warehouses

Costco warehouses and gas stations in Canada take Mastercard, not Visa, although Costco.ca accepts Visa, according to [Costco Canada's payment methods page](https://customerservice.costco.ca/app/answers/answer_view/a_id/1017193/). If Costco is a regular stop, pair your Visa with a no-fee Mastercard.

Our Costco credit card guide covers the options, and the best Mastercard picks are a short list.

Aeroplan, Avion and Scene+ on Visa

If you want a big-bank travel program, you will usually end up on Visa. TD and CIBC issue Aeroplan Visa cards, RBC's Avion cards are Visa, and Scotiabank's Passport and Scene+ Visa cards earn Scene+. Our Aeroplan for beginners and Aeroplan vs Scene+ guides help you choose a program before you choose a card.

FAQ

What is the best Visa card in Canada?

It depends on what you want from the card. The top pick in each category above is the Visa with the highest current first-year value in that category. If you fly Air Canada, start with the travel picks; if you want simple rewards, start with cash back or no annual fee.

Is Visa or Mastercard better in Canada?

Neither network earns rewards on its own; the issuer sets the rewards. The practical difference is acceptance: Costco warehouses in Canada take Mastercard but not Visa. Outside Costco, both are accepted almost everywhere in Canada. See the best Mastercard cards to compare.

What income do I need for a Visa Infinite card?

Usually $60,000 personal or $100,000 household income, though each issuer sets its own wording. Check the review and the issuer page for the card you want.

Can I use a Visa card at Costco in Canada?

Only on Costco.ca. Costco warehouses and gas stations in Canada take Mastercard, not Visa.

Every Visa card on this site

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