#1 — Futello top choice
Scotia Momentum Visa Infinite Card
- Net value
- About $732 / year
- Annual fee
- $120
- Rewards
- Cash back
- First year, offer included
- About $1,172
- Current offer · not enough history to compare
- Verified 17 days ago
Province
Best Credit Cards in Quebec
Compare the best credit cards eligible in Quebec, ranked for your spending type, spending level and American Express preference.
Of the 97 cards in the catalogue, 94 are confirmed eligible in Quebec, 3 are excluded and 0 have no official confirmation: only eligible cards enter this ranking.
Interactive ranking
Customize your ranking
Each combination shows a pre-calculated Top 3 in Quebec. The page address can be shared with your filters.
Certified ranking
Our Top 3 in Quebec
For a complete spending basket · standard spending · American Express included
Best estimated net valueAbout $732 / year
The ranking matches the selected spending type and level. Each card is an individual alternative eligible in Quebec, not a card that must be held alongside the others.
Reference basket details — $36,000 a year
A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.
- Groceries
- $8,400
- Everyday purchases
- $7,200
- Pre-authorized payments
- $6,000
- Gas / charging
- $3,600
- Restaurants
- $3,600
- Transportation
- $2,400
- Entertainment
- $2,400
- Hotels
- $1,200
- Travel
- $1,200
- Total evaluated
- $36,000
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#2 — Excellent alternative
CIBC Dividend Visa Infinite Card
- Net value
- About $720 / year
- Annual fee
- $120
- Rewards
- Cash back
- First year, offer included
- About $1,210
- Current offer · not enough history to compare
- Verified 17 days ago
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#3 — Another excellent option
Cash Back World Elite Mastercard
- Net value
- About $680 / year
- Annual fee
- $100
- Rewards
- Cash back
Geographic eligibility is verified in Quebec; 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 Quebec?
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 Quebec 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 Quebec; 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 Quebec
- Quebec’s Consumer Protection Act requires a minimum monthly payment of at least 5% of the balance (contracts signed since August 1, 2019; older contracts reached that threshold gradually, by August 2025).
- In Quebec an issuer cannot raise your credit limit without your express request, and contract documents must be available in French.
- Desjardins and Costco cards carry extra weight here: Desjardins is based mainly in Quebec and Ontario, and Costco has several warehouses in the province.
3 catalogue cards are not offered in Quebec and are therefore left out of this ranking:
Go further in Quebec
Evergreen guides with no numbers that go stale, and the full Futello methodology.