BBMO CashBack World Elite Mastercard

If you want the best credit cards people actually use in Canada, the most consistently recommended picks are the American Express Cobalt, Scotiabank Gold American Express, BMO CashBack World Elite Mastercard, and Tangerine Money-Back Credit Card.

Here are the strongest options by use case:

For most Canadians, the best “all-around” choice is usually the American Express Cobalt if you spend a lot on groceries and dining, while the Tangerine Money-Back is the easiest pick if you want a simple no-fee card.

If you want the most practical shortlist by brand/product Canadians actually carry, I’d focus on these:

• American Express Cobalt for everyday rewards.
• Scotiabank Gold Amex for travel and premium perks.
• BMO CashBack World Elite Mastercard for cash back.
• Tangerine Money-Back Card for no-fee simplicity.
• Rogers Red World Elite Mastercard for a no-fee cash-back option that is also widely discussed by Canadian personal-finance reviewers.
• RBC Avion Visa Infinite if you want a more traditional bank-issued travel card.

A quick practical note: the “best” card in Canada depends a lot on where you spend most—groceries, gas, travel, restaurants, or everything else—and whether you’re okay paying an annual fee.

If you want, I can also give you:

• the best 3 cards for your spending style
• the best no-fee cards only
• the best cards for travel points vs cash back