Québec
Best Credit Cards in Québec (2026)
Compare the best credit cards available to residents of Québec. We compare rates, fees, and features so you can find the right fit without the research.
Québec Note: Quebec residents are governed by the Autorité des marchés financiers (AMF) rather than federal regulators. Some products and promotional offers may not be available in Quebec.
Quick Answer
The best credit cards for Québec residents depend on your spending habits. For cash back, the BMO CashBack World Elite leads with 5% on groceries. For travel, the Scotiabank Passport Visa Infinite offers no foreign transaction fees and lounge access.
Best Credit Cards in Québec (2026)
| Card | Annual Fee | Best For | Welcome Bonus | |
|---|---|---|---|---|
| Scotiabank Passport® Visa Infinite* | $150/yr | travel | Up to 40,000 Scene+ points | Apply Now → |
| TD Cash Back Visa Infinite* | $120/yr | cashback | 10% cash back for first 3 months (up to $2,000 spend) | Apply Now → |
| BMO CashBack® World Elite® Mastercard® | $120/yr | cashback | 5% cash back for first 3 months | Apply Now → |
| Simplii Financial™ Cash Back Visa* | No Fee | cashback, no-fee | 10% cash back on dining for first 3 months | Apply Now → |
| Tangerine Money-Back Credit Card | No Fee | cashback, no-fee | — | Apply Now → |
| American Express Cobalt® Card | $156/yr | travel, cashback | Up to 15,000 Membership Rewards points | Apply Now → |
| TD First Class Travel® Visa Infinite* | $139/yr | travel | Up to 100,000 TD points (up to $500 in travel) | Apply Now → |
| CIBC Aventura® Visa Infinite* | $139/yr | travel | Up to 50,000 Aventura points | Apply Now → |
| Scotiabank Scene+™ Visa* | No Fee | no-fee, travel | Up to 7,500 Scene+ points | Apply Now → |
| TD Rewards Visa* Card | No Fee | student, no-fee | — | Apply Now → |
| Scotiabank® Scene+™ Visa* for Students | No Fee | student, no-fee | Up to 5,000 Scene+ points | Apply Now → |
| BMO Student Mastercard* | No Fee | student, no-fee, cashback | — | Apply Now → |
Free Tools for Québec Residents
Frequently Asked Questions
Are the best credit cards in Québec different from other provinces?
Most major Canadian financial institutions operate nationally, so rates are generally the same across provinces. However, some credit unions and promotional offers are province-specific. Quebec residents are governed by the Autorité des marchés financiers (AMF) rather than federal regulators. Some products and promotional offers may not be available in Quebec.
Are my deposits insured in Québec?
Deposits at CDIC-member institutions are insured up to $100,000 per category per institution. Provincial credit unions in Québec are insured by provincial deposit insurance schemes — coverage limits vary by province.
How often are these rates updated?
We update rate data daily using the Bank of Canada Valet API and weekly manual verification from individual institutions. The date at the bottom of each table shows the last verified date.
This is not financial advice. Rates shown are for informational purposes and may change without notice. We may earn a commission at no cost to you when you open accounts through our links. Always verify rates directly with the financial institution before making any decision.