The 4 Best Credit Cards in Quebec

What makes a good credit card? Is it a low-interest rate? A generous rewards program? Or the absence of annual fees? The answer varies from person to person, since everyone’s needs are different.

We’ve compiled cards for every budget and every profile. So whether you’re a frequent traveler or a parent who wants to save money, there’s a credit card for you. Thankfuly, the right one can even help you avoid taking on too much debt

We’ve included a vast selection of cards. In all, they offer cash back, no-currency conversion fees, rewards points, attractive welcome bonuses or comprehensive insurance packages. Soon, you will definitely find what you’re looking for!

1. Mastercard BMO CashBack – Quebec’s best credit card for cash back

The BMO CashBack Mastercard credit card is an excellent choice for Quebecers on a tight budget, including students. It earns 3% cash back on groceries while charging no annual fee. That’s not all. You also get 1% cash back on recurring bill payments and 0.5% cash back on all other purchases.

In addition, you can receive a 5% cash back for the first 3 months. That unfolds at an interest rate of 0.99% on balance transfers for the first 9 months. This makes it the ideal card for first-time credit cardholders or those wishing to make a balance transfer.

2. TD First Class Travel Visa Infinite – Best credit card to make hotel reservations

Do you travel often? If so, the TD First Class Travel Visa Infinite credit card could be your best ally. It earns TD Rewards points, which can then be redeemed to book travel on the Expedia for TD platform. Further, you earn 8 points per dollar spent on the Expedia for TD platform and 6 points on groceries or restaurants. Pick up a further 4 points per dollar on recurring bill payments and 2 points on all other purchases.

The TD First Class Travel card gives you access to Visa Infinite Luxury’s Hotel Collection of more than 900 properties. You could get a room upgrade, VIP guest status or late check-out, among other things. Each year, you get a $100 travel credit on any accommodation of $500 or more made with Expedia for TD.

In addition to booking flights, hotels or vacations, you can use your points to purchase merchandise in the TD Rewards boutique. Alternatively, to pay down your credit card balance. You could also receive an annual anniversary bonus of up to 10,000 points. The card comes with a full range of travel insurance.

3. Moi RBC Visa – Best credit card in Quebec for moi points

Do you shop at Metro grocery stores, Jean Coutu or Premiere Moisson? If so, you should know that the Metro & moi program has become the moi rewards program. With the moi RBC Visa credit card, maximize rewards at Metro, Jean Coutu, Brunet, Premiere Moisson and Super C stores.

With the moi RBC Visa card, earn 2 points on every dollar you spend on groceries, beauty and wellness products. Use it as well as on gasoline and electric vehicle charging. You also earn 2 points at restaurants and 1 moi point on all other purchases.

For renovations and hardware, receive a credit up to 10% on your first $250 of purchases at RONA, Reno-Depot or Lowe’s. After this initial credit, you can get another credit of up to 5% on the next $1,250 in purchases. In total, you can earn a maximum credit of $87.50.

4. Neo Credit – Best credit card in Canada

When we determined which was the best credit card in Canada, Neo Credit came out on top. First, it is free and available to people with a fair credit score or higher.

On average, you’ll earn 5% cash back at many partners located nationwide. There are over 10,000 partners, including Netflix, Avis and Clearly. To find them, go to the Neo mobile application.

Neo Credit allows you to opt for a subscription to benefit from additional benefits: travel, food and drinks, health. For example, with the Travel benefit priced at $4.99 per month, you get 2% cash back on all foreign transactions. Moreover, tap into a 1.5x cashback at all partner hotels. You also have access to Priority Pass airport lounges in more than 1,300 locations worldwide.

The benefits are designed to add up easily. You can add several to your Neo Credit card. If your plans change, simply modify your benefit selection accordingly.

This article is the shortened version of an article originally published on Hardbacon.ca by Louis Angot under the title "The 20 Best Credit Cards in Quebec".