#1 — Futello top choice
CIBC Aeroplan Visa Card
- Net value
- About $117 / year
- Annual fee
- $0
- Rewards
- Aeroplan
- First year, offer included
- About $217
- Current offer · not enough history to compare
- Verified today
Province
Best Credit Cards in Ontario
The Top 3 in Ontario for your spending type and level.
96 of 211 cards eligible in Ontario. More details
Of the 211 cards in the catalogue, 96 are confirmed eligible in Ontario, 0 are excluded and 115 have no official confirmation: only eligible cards enter this ranking.
Your criteria
Our Top 3 in Ontario
Best estimated net valueAbout $117 / year
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#2 — Excellent alternative
MBNA Rewards Platinum Plus Mastercard
- Net value
- About $117 / year
- Annual fee
- $0
- Rewards
- MBNA Rewards
- First year, offer included
- About $117
- Current offer · not enough history to compare
- Verified today
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#3 — Another excellent option
RBC Cash Back Mastercard
- Net value
- About $87 / year
- Annual fee
- $0
- Rewards
- RBC Cash Back
- First year, offer included
- About $87
- Current offer · not enough history to compare
- Verified today
Why this ranking
The ranking matches the selected spending type and level. Each card is an individual alternative eligible in Ontario, not a card that must be held alongside the others.
See the Canada-wide ranking for all other purchases
Geographic eligibility is verified in Ontario; this is not a guarantee of bank approval.
These cards are individual alternatives; you do not need to hold all three.
Why a ranking specific to Ontario?
Card eligibility and availability can vary from one province or territory to another. Futello evaluates every card for the selected jurisdiction and sets aside those without confirmed eligibility there.
The ranking shown is specific in Ontario and to the selected filter combination: another spending type, another level or excluding American Express can produce a different Top 3.
How is this ranking established?
Futello compares each card separately using its published data, the selected spending type and level, and the jurisdiction. Eligibility is verified in Ontario; when American Express is excluded, that constraint is applied before ranking. Annual fees are included in net value.
- 94 eligible cards were evaluated for this scenario.
- Results calculated on November 5, 2026. Source verification incomplete since November 5, 2026.
What is different in Ontario
- Every major bank and American Express offer their cards here; Ontario has the most Costco warehouses in the country, which gives the Costco card weight in the “Costco” scenario.
- Ontario credit unions (Meridian, DUCA, etc.) issue cards through Collabria; Futello does not track them yet.
Go further in Ontario
Evergreen guides with no numbers that go stale, and the full Futello methodology.