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Top Rewards Credit Cards

Sign up with Borrowell to compare the best rewards cards recommended for you based on your credit profile. See the best rewards credit cards in Canada in 2021!

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Credit card that gives you points to redeem on rewards such as groceries and online shopping

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Triangle™ Mastercard ®
 credit card

Triangle Mastercard ®

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Annual Fee

$0

Purchase Interest Rate

19.99%

Cash Advance Rate

22.99%

Balance Transfer Rate

22.99%

  • Collect 1.5% back in CT Money®ˆ on almost all your grocery purchases when you pay with your Triangle Credit Card (on the first $12,000 per year; excludes Costco and Walmart).

  • Collect 5¢ back per litre in Canadian Tire Money® on all fuel types at Gas+ and participating Husky stations1

  • Collect CT Money® everywhere else you shop†

  • Redeem† your CT Money® at Canadian Tire, Sport Chek®, Atmosphere®, Sports Rousseau®, Hockey Experts®, L’Éntrepôt du Hockey® and participating Mark’s®/L’Équipeur and Sports Experts stores

  • Equal monthly payments* over 24 months on qualifying purchases of $150 or more at Canadian Tire, Sport Chek, Atmosphere, Hockey Experts, Sports Rousseau, L’Éntrepôt du Hockey, Mark’s/L’Équipeur and Sports Experts stores

HSBC +Rewards™ Mastercard®
 credit card

HSBC +Rewards Mastercard®

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Annual Fee

$25

Purchase Interest Rate

11.90%

Cash Advance Rate

11.90%

Balance Transfer Rate

11.90%

Apply for an HSBC +RewardsTM Mastercard® by January 31, 2022 and earn 30,000 Points ($150 travel value) when you spend $2,000 in the first 180 days of account opening*, and get a 1st Year annual fee rebate for Primary Cardholder* ($25 value). Plus, sign up through Borrowell and receive a $100 Amazon Gift Card!

Save your way and get rewarded!

This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer)

*Terms and Conditions apply®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license

**Terms & conditions apply. Including the following:

  • The $100 e-Gift Card offer is offered by Borrowell and is only valid online through Borrowell. Applicants must apply online through the link provided by Borrowell.

  • Do not browse or leave application page before it is completed.

  • If the application session expires, you must restart your application, beginning by clicking through the link available through Borrowell.

  • All eligible customers who are approved online for the featured product by applying through Borrowell during the offer period (October 8, 2021 - December 31, 2021) will receive a $100 e-Gift Card for Amazon.ca from Borrowell. Please note it can take up to 60 days for HSBC to process and confirm the status of your application. Following this, it can take up to 4 weeks for Borrowell to receive confirmation of your approval status. Once Borrowell receives confirmation of your approval from the specified partner, your e-Gift Card will be emailed to the email address associated with your Borrowell account.

  • This offer cannot be combined with any other Borrowell offer and is subject to change without notice. Offer may end at any time at the discretion of Borrowell and HSBC.

  • To be eligible for this offer, applicants must be a new/first time HSBC credit card holder. HSBC is not responsible or liable for any aspect of this offer.

  • E-Gift Card is provided only for applications that started, and are approved, online.

  • E-Gift Card Offer is available to Borrowell members only.

  • NOTE: you must contact Borrowell within 4 months of online application approval to report a missing e-Gift Card, otherwise the e-Gift Card is void.

American Express Cobalt® Card
 credit card

American Express Cobalt® Card

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Annual Fee

$156

Purchase Interest Rate

20.99%

Cash Advance Rate

21.99%

Balance Transfer Rate

N/A

In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year

  • 30,000 points is enough for:

    • $300 in statement credits redeemed towards purchases charged to your Card or

    • $225 in American Express® Prepaid Cards

  • Plus, you can earn a Welcome Bonus of 20,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership

  • Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery

  • Earn 3x the points on eligible streaming subscriptions in Canada

  • Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B

  • Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases

  • Transfer points 1:1 to several frequent flyer and other loyalty programs

  • Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events

  • Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences

• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

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