Top Specialty Credit Cards
Below are the top specialty credit cards in Canada (sorted by annual fees):
- No annual fee
- Earn 3% cash back on restaurant purchases
- Earn 2% cash back on gas purchases
- Earn 0.5% cash back on the first $3,000 on all other purchases (1% thereafter)
- Cash back will be credited on your January statement as a rebate coupon for Costco purchases
- Exclusive to Costco members
- No annual fee
- Earn 10,000 sign up bonus points (after spending $500 in the first 3 months)
- Earn 1 point for every $1 spent on all purchases
- No annual fee
- Earn 2,500 sign up bonus Scene points after spending $500 in the first 3 months
- Earn 5 Scene points for every $1 spent at Cineplex Entertainment theatre or online
- Earn 1 Scene point for every $1 spent on all other purchases
- Have at least $12,000 in personal annual income
- No annual fee
- Earn 5% back at Amazon.ca, grocery stores, and restaurants (for 6 months on the first $3,000 in eligible purchases)
- Earn 2.5% back (Prime members) on Amazon.ca, Whole Foods Market purchases, as well as foreign transactions
- Earn 1.5% back (non Prime members) on Amazon.ca and Whole Foods Market purchases
- Earn 1% back other purchases
- No annual fee
- Earn 7¢ per litre cash back on premium fuel at any Gas + location
- Earn 5¢ per litre cash back on regular fuel at any Gas + location
- Earn 4% cash back on qualifying purchases made online and in-store at Canadian Tire, Mark’s, Sport Chek and Atmosphere
- Earn 3% cash back in Canadian Tire Money on grocery store purchases
- Earn 1% cash back on all other purchases
- Have at least $80,000 in personal annual income
- No annual fee
- Earn 800 sign up bonus Miles (if you apply before October 31, 2020) (earn 400 miles after the first purchase and another 400 miles after spending $1,000 within the first 3 months. Normally 200 sign up bonus)
- Earn 1.5x Air Miles mile at National Car Rental & Alamo Rent A Car locations worldwide
- Earn 1.25x Air Miles mile Shell locations in Canada
- Earn 1 Air Miles mile for every $20 spent on all other purchases
- No annual fee
- Earn 20,000 sign up bonus PC points
- Earn 45 PC Optimum points for every $1 spent at Shoppers Drug Mart and Pharmaprix
- Earn 30 PC Optimum points for every $1 spent at PC stores, pctravel.ca and PC mobile (excluding PC mobile prepaid services)
- Earn 30 PC Optimum points per litre of Esso Supreme (Octane 91) and Esso SUPREME+ (Octane 93)
- Earn 20 PC Optimum points per litre on other gasoline or diesel
- Earn 10 PC Optimum points for every $1 spent on all other purchases
- Have at least $80,000 in personal annual income or $150,000 household income
- No annual fee
- Earn 500 sign up bonus Air Miles points after the first purchase (after spending $500 in the first 3 months)
- Earn 200 Air Miles points for every approved referral (up to a maximum of 3,000 per calendar year)
- Earn 1 Air Miles point for every $15 spent at Air Miles sponsors
- Earn 1 Air Miles point for every $20 on all other purchases
- $79 annual fee (first year fee waived if you apply before October 31, 2020)
- Earn 5% cash back in GM Earnings on the first $10,000 spent annually on all purchases
- Earn 2% cash back in GM Earnings on all purchases after the first $10,000
- Save up to 20% at participating AVIS car rental locations worldwide
- Cash back to be used for the purchase price or lease of a Chevrolet, Buick, GMC, or Cadillac
- Have at least $60,000 in personal annual income, $100,000 in annual household income or $250,000 in assets under management
- $120 annual fee
- $29 annual fee for a supplementary cardholder
- Earn 20,000 sign up bonus points (after spending $1,000 in the first 3 months) (if you apply before August 31, 2020)
- Earn 5 points for every $1 spent on grocery, dining and entertainment purchases (on the first $50,000 in purchases)
- Earn 3 points for every $1 spent on gas, transit, and select streaming services (on the first $50,000 in purchases)
- Earn 1 point for every $1 spent on all other purchases
- No foreign transaction fees
- Have at least $12,000 in personal annual income
- $120 annual fee (waived the first year if you apply before October 31, 2020)
- $50 annual fee for a supplementary cardholder
- Earn 3,000 sign up bonus Air Miles (earn 1,000 sign up bonus and 2,000 more after spending $3,000 in the first 3 months) (if you apply before October 31, 2020)
- Earn 1 Air Mile for every $10 on all purchases
- Receive 2 free lounge passes with MasterCard Airport Experiences
- Receive a Companion Flight Rebate Offer (by booking any two flights, one way or return, through airmiles.ca)
- Have at least $80,000 in personal annual income or $150,000 household income
- $139 annual fee
- $50 annual fee for each supplementary card (first supplementary card free)
- Earn 30,000 Scotia Rewards sign up bonus points after spending $1,000 in the first 3 months (if you apply before August 31, 2020)
- Earn 10,000 Scotia Rewards bonus points after spending $40,000 in a calendar year
- Earn 2,000 Scotia Rewards bonus points after every $10,000 in addition to the first $40,000 in a calendar year
- Earn 2 points for every $1 spent on grocery, dining, entertainment and daily transit
- Earn 1 point for every $1 spent on all other purchases
- Receive 6 Priority Pass lounge passes
- No foreign transaction fees
- Have at least $60,000 in personal annual income, $100,000 in annual household income or $250,000 in assets under management
- $150 annual fee (first year fee waived if you apply before October 31, 2020)
- $50 annual fee for each supplementary card
- Earn 35,000 sign up bonus BMO Reward points (after spending $3,000 in the first 3 months) (if you apply before October 31, 2020)
- Earn 3 points for every $1 spent on travel, dining and entertainment purchases
- Earn 2 points for every $1 spent on all other purchases
- Receive 4 free lounge passes with MasterCard Airport Experiences
- Have at least $80,000 in personal annual income or $150,000 household income
- $399 annual fee
- $99 for supplementary cardholders
- Earn 30,000 bonus points after the first purchase
- Earn 4 points for every $1 you spent at gas stations, grocery stores, on dining and entertainment (on the first $100,000 in purchases)
- Earn 1 point for every $1 spent on all other purchases
- Receive 14 complimentary lounge passes per year (10 for primary cardholder and 4 supplementary cardholder)
- Have at least $12,000 in personal annual income
