Canada · October 2026
Meridian Credit Union credit cards
9 cards, ranked by estimated net annual rewards value where the issuer states earn rates.
Earns 4% on gas and groceries, 2% on pharmacy and utility bills and 1% on other purchases in reward points redeemable as cash back, on the first $25,000 of purchases then 1%.
Earn: base 1% · groceries 4% · gas 4% · everyday 1%
- Annual fee
- $99 (First year free including additional cards; additional cards $30)
- Est. net value / yr
- $525
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Earns 3 points per $2 (1.5%) on all purchases and 6 points per $2 (3%) on purchases made outside Canada in foreign currencies.
Earn: base 1.5 pts · travel 3 pts · everyday 1.5 pts
- Annual fee
- $99 (First year free including additional cards; additional cards $30)
- Est. net value / yr
- $405
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Earns 2% on gas and groceries and on pharmacy and utility bills, and 1% on other purchases as reward points redeemable as cash back.
Earn: base 1% · groceries 2% · gas 2% · everyday 1%
- Annual fee
- $49 (First year free; additional cards $0)
- Est. net value / yr
- $359
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Business card earning 3 points per $2 (1.5% cash back) on all purchases and 6 points per $2 outside Canada, for credit needs of $10,000 to $500,000.
Earn: base 1.5% · everyday 1.5%
- Annual fee
- $110 (No annual fee first year including additional cards; additional cards $49)
- Est. net value / yr
- $340
- Welcome offer
- No annual fee for the first year including additional cards
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Business card earning 1 reward point per $1 (about 1% cash back) with no limits, for credit needs of $500 to $100,000.
Earn: base 1% · everyday 1%
- Annual fee
- $0 (Additional cards $0)
- Est. net value / yr
- $300
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
US-dollar-denominated Visa earning 1 reward point per US$1 on all purchases, with no purchase restrictions.
Earn: base 1 pts · everyday 1 pts
- Est. net value / yr
- $300
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Earns 1 reward point per $1 on all purchases and 2 points per $1 on purchases made outside Canada.
Earn: base 1 pts · travel 2 pts · everyday 1 pts
- Annual fee
- $49 (First year free; additional cards $0)
- Est. net value / yr
- $287
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Business card earning 1 reward point per $1 (about 1% cash back) with no limits, for credit needs of $5,000 to $250,000.
Earn: base 1% · everyday 1%
- Annual fee
- $49 (No annual fee first year; additional cards $0)
- Est. net value / yr
- $251
- Welcome offer
- No annual fee for the first year
- Purchase rate
- Meridian Prime + (1.29% - 9.29%)
- Foreign transaction fee
- 2.5%
No-fee card earning 1% on gas and groceries, 1% on pharmacy and utility bills and 0.5% on other purchases as reward points redeemable for cash back.
Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%
- Annual fee
- $0 (Additional cards $0)
- Est. net value / yr
- $204
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
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.