1.Tangerine Money-Back Credit Card
Tangerine
- 2%Cash back in up to three categories of your choice
- 0.5%Cash back on all other eligible purchases
Earn an extra 10% cash back bonus on up to $1,000 in purchases within your first 2 months.
Earn unlimited 2% cash back in up to three categories of your choice, and 0.5% cash back on all other eligible purchases.
20.95%
22.95%
The Tangerine Money-Back Credit Card stands out as the top choice because it offers a flexible cash back structure with no annual fee, allowing users to select their preferred categories for earning 2% cash back.
Pros:
- No annual fee
- Customizable cash back categories
Cons:
- Lower cash back on non-category purchases
- Limited to three categories
2.Scotiabank Gold American Express Card
Scotiabank
- 5%Scene+ points on groceries and dining
- 3%Scene+ points on gas and transit
- 1%Scene+ points on all other purchases
Earn up to 50,000 bonus Scene+ points, valued at up to $950.
Earn 5x Scene+ points on groceries and dining, 3x on gas and transit, and 1x on all other purchases.
21.99%
22.99%
What sets the Scotiabank Gold American Express Card apart is its exceptional earning potential on everyday spending categories, particularly for those who frequently shop for groceries and dine out.
Pros:
- High rewards on groceries and dining
- No foreign transaction fees
Cons:
- Annual fee
- Limited acceptance compared to Visa/Mastercard
3.American Express Cobalt Card
American Express
- 5%Membership Rewards points on groceries and dining
- 1%Membership Rewards points on all other purchases
Earn 1,250 Membership Rewards points for each month you spend $750 in the first 12 months.
Earn up to 5x Membership Rewards points on eligible everyday spending categories.
21.99%
21.99%
The standout feature here is the American Express Cobalt Card's ability to maximize rewards on everyday purchases, making it a favorite among those who frequently spend on food and drinks.
Pros:
- High earning potential on everyday spending
- Flexible redemption options
Cons:
- High annual fee
- Requires good credit
- 5%Cash back on groceries, dining, gas, and transit
- 1%Cash back on all other purchases
Get up to $650 in total value with the first-year annual fee waived.
Earn up to 5% cash back on your purchases.
21.99%
23.99%
This card shines for its generous cash back rates, particularly on groceries and dining, making it an excellent choice for those who want to maximize their rewards on everyday spending.
Pros:
- High cash back on everyday categories
- First-year annual fee waived
Cons:
- Annual fee after the first year
- Higher interest rates
- 1.25%Avion points on travel
- 1%Avion points on all other purchases
Earn up to 55,000 Avion points, valued at up to $1,100 in travel.
Earn 1.25 Avion points per dollar on travel and 1 point everywhere else.
20.99%
22.99%
A key differentiator is the RBC Avion Visa Infinite's robust travel rewards program, making it a top choice for frequent travelers looking to earn points on their purchases.
Pros:
- Strong travel rewards
- Flexible redemption options
Cons:
- Annual fee
- Requires good credit
- 2%Aeroplan points on eligible purchases
- 1%Aeroplan points on all other purchases
Earn up to 45,000 Aeroplan points, with the first-year annual fee waived.
Earn Aeroplan points on everyday purchases.
21.99%
22.99%
This card excels in providing Aeroplan points for everyday spending, making it an attractive option for those who frequently fly with Air Canada.
Pros:
- Strong Aeroplan rewards
- First-year annual fee rebate
Cons:
- Annual fee after the first year
- Higher interest rates
Did you know?
A no-fee credit card can beat a premium card if you do not use the extras. Match the card to your spend before chasing a bonus.
Final Words
As you consider the best credit cards for your good credit this October 2026 in Canada, remember that evaluating features like cash back rates, fees, and rewards tailored to your spending habits is essential. Take time to compare your options carefully and make informed decisions that align with your financial goals.
Frequently Asked Questions
Earn an extra 10% cash back bonus on up to $1,000 in purchases within your first 2 months.
Earn unlimited 2% cash back in up to three categories of your choice, and 0.5% cash back on all other eligible purchases.
Earn up to 50,000 bonus Scene+ points, valued at up to $950, with a reward rate of 5x Scene+ points on groceries and dining, 3x on gas and transit, and 1x on all other purchases.
The American Express Cobalt Card has an annual fee of CA$191.88.
Consider factors like annual fees, reward structures, and any welcome bonuses. Assess your spending habits to choose a card that maximizes your rewards in categories you frequently spend in.
Some credit cards for good credit offer no annual fee, while others, especially those with higher rewards, may charge a fee. It's important to weigh the potential rewards against any costs to determine value.
Look at the welcome bonuses, reward rates, and annual fees of each card. Additionally, consider how the card fits your spending habits to maximize potential rewards.
