Canada · October 2026
Best Affinity Rewards credit cards in Canada
Cards that earn Affinity Rewards, ranked by estimated net annual value (points valued at 0.1¢ CAD each). All amounts are in Canadian dollars.
5 affinity rewards cards ranked
Premium business card earning 15 points per $1 on eligible spend and 20 points per $1 on tech, office supplies and agriculture, with lounge access and concierge.
Earn: base 15 pts · everyday 15 pts
- Est. net value / yr
- $450
- Welcome offer
- 150,000 welcome points
- Purchase rate
- 20.99%
- Balance transfers
- 12.99%
- Foreign transaction fee
- Not stated
Business World Elite card earning 10 points per $1 on all eligible spend and 15 points per $1 on tech, office supplies and agriculture, with a 12.99% rate.
Earn: base 10 pts · everyday 10 pts
- Annual fee
- $0 ($0 monthly fee; $0 additional card)
- Est. net value / yr
- $300
- Welcome offer
- 10,000 welcome points
- Purchase rate
- 12.99%
- Balance transfers
- 12.99%
- Foreign transaction fee
- Not stated
Premium card earning 10 points per $1 on the first $3,000 of monthly spend, up to 30 points per $1 at higher tiers, plus monthly bonus points.
Earn: base 10 pts · everyday 10 pts
- Est. net value / yr
- $300
- Welcome offer
- 150,000 points ($150 value) welcome offer
- Purchase rate
- 20.99%
- Balance transfers
- 12.99%
- Foreign transaction fee
- Not stated
Earns 5 points per $1 on the first $1,500 of monthly spend, up to 15 points per $1 at higher monthly spend tiers, plus monthly bonus points.
Earn: base 5 pts · everyday 5 pts
- Est. net value / yr
- $150
- Welcome offer
- 50,000 points ($50 value) welcome offer
- Purchase rate
- 20.99%
- Balance transfers
- 12.99%
- Foreign transaction fee
- Not stated
No-fee, low-rate (12.99%) Mastercard earning 2 points per $1 on the first $750 of monthly spend, 4 on the next $750 and 6 above $1,500, plus monthly bonus points.
Earn: base 2 pts · everyday 2 pts
- Annual fee
- $0 ($0 monthly fee; $0 additional card)
- Est. net value / yr
- $60
- Welcome offer
- 10,000 points ($10 value) welcome offer
- Purchase rate
- 12.99%
- Balance transfers
- 12.99%
- Foreign transaction fee
- Not stated
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.
How these cards are ranked
Rankings are by the numbers only: no issuer can pay to be listed, left out or ranked higher. For rewards cards we estimate net annual value in Canadian dollars: rewards earned on a reference household budget of $30,000 a year ($8,400 groceries, $3,600 dining, $2,400 gas, $3,600 travel, $12,000 everything else) at the earn rate the issuer states for each category, with points valued at the cents-per-point on our Canadian point values page, minus the annual fee. Welcome bonuses are shown separately and not counted. A card whose issuer page does not state an earn rate is not given a value. Every figure was read on the issuer’s own website; see our Canada methodology.
Frequently asked questions
Which is the best affinity rewards credit card in Canada?
By our ranking rule, Affinity Business+ World Elite Mastercard from Affinity Credit Union currently ranks first at an estimated $450 net a year. The right card depends on your own spending, so check the issuer’s terms before applying.
How do you calculate the ranking?
We estimate rewards on a reference budget of $30,000 a year, value points at the cents per point on our Canadian point values page, and subtract the annual fee. Welcome bonuses are not included.
Are these cards available in Quebec?
Availability can differ by province. Each card page shows whether the issuer states that it is offered in Quebec; where the issuer does not say, we show “not stated”.
Do I need a minimum income?
Many rewards cards state a minimum personal or household income. Each card shows the figure the issuer states, or “not stated”.
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