#1 — Futello top choice
CIBC Costco Mastercard
- Net value
- About $117 / year
- Annual fee
- $0
- Rewards
- Cash back
Province
Best Credit Cards in Ontario
Compare the best credit cards eligible in Ontario, ranked for your spending type, spending level and American Express preference.
Of the 97 cards in the catalogue, 95 are confirmed eligible in Ontario, 0 are excluded and 2 have no official confirmation: only eligible cards enter this ranking.
Interactive ranking
Customize your ranking
Each combination shows a pre-calculated Top 3 in Ontario. The page address can be shared with your filters.
Certified ranking
Our Top 3 in Ontario
For all other purchases · standard spending · American Express included
Best estimated net valueAbout $117 / year
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
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#2 — Excellent alternative
RBC ION Visa
- Net value
- About $117 / year
- Annual fee
- $0
- Rewards
- RBC Avion
- Current offer · not enough history to compare
- Verification is old (33 days)
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#3 — Another excellent option
RBC Cash Back Mastercard
- Net value
- About $87 / year
- Annual fee
- $0
- Rewards
- RBC Cash Back
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.
- 83 eligible cards were evaluated for this scenario.
- Results calculated on September 21, 2026. Official sources verified through September 21, 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.