[ad_1] As the largest credit card company in the world, Visa is a solid choice for any Canadian wanting the assurance of wide acceptance and access to a variety of programs and products. Plus, if you already bank with RBC, CIBC, Scotiabank or another Visa issuer, a Visa card is a way to keep your financial services “in the family.” Whatever your reasons for considering Visa, this guide will help you find a credit card that fits your lifestyle. The best Visa credit cards in Canada Card Rewards / Features Annual fee BMO eclipse Visa Infinite (get more details)* • 5 BMO points/$1 on groceries, dining, gas & daily transit• 1 point/$1 on everything else• $50 annual credit $120 (waived for the first year) Scotia Momentum Visa Infinite (get more details)* • 4% cash back on groceries and bills• 2% on gas and daily transit• 1% on everything else $120 (waived for the first year) TD First Class Travel Visa Infinite (get more details)* • 8 TD points/$1 on travel (via Expedia For TD)• 6 points/$1 on groceries & restaurants• 4 points/$1 on recurring bills• 2 points/$1 on everything else $120 (waived for the first year) TD Aeroplan Visa Infinite (get more details)* • 1.5 points/$1 on groceries, gas & Air Canada• 1 point/$1 on everything else• Free first checked bags on Air Canada $139 (waived for the first year) Home Trust Preferred (get more details)* • 1% cash back on all CAD purchases• No FX Fees $0 Scotiabank Passport Visa Infinite (get more details)* • 2 Scotia points/$1 on groceries, dining, and daily transit• 1 pt/$1 on everything else• No FX Fees• Lounge access $150 Best overall Visa credit card BMO eclipse Visa Infinite* At a glance: Maximize the power of your everyday spending with strong earn rates on BMO Rewards points that you can redeem for merchandise or gift cards, travel, statement credits or investments. Good perks—like the juicy annual $50 “lifestyle credit,” earned for simply exceeding that amount on one of your monthly statements, and included mobile device and travel insurance—round out the package. Annual fee: $120 (waived for first year) Interest rates: 20.99% on purchases, 23.99% on cash advances, 23.99% on balance transfers Welcome bonus: Get 60,000 points ($400 in travel rewards) when you sign up. Also receive $50 lifestyle credit on your account that you use for any purchase. Earn rate: Five times the BMO Rewards points for every $1 spent on dining in and out, groceries, and gas and transit for the first $50,000 in annual purchases; 1 BMO Rewards point for everything else; earn 10% more points when you add an authorized user Our favourite features: $50 lifestyle credit every year Additional benefits: Annual lifestyle credit worth $50; mobile device coverage; car rental collision/loss damage protection; out-of-province/country emergency medical; Visa Infinite privileges Annual income requirement: personal income of $60,000 or household income of $100,000 Pros Offers boosted earn rates in top categories like groceries, gas and dining. Includes travel insurance and new mobile device coverage. Get 10% more Rewards points when you add an authorized user (for $50 annually). Cardholders get an annual $50 statement credit to spend however they wish. Cons There is an annual cap of $50,000 in purchases for boosted spend categories; after that, you’ll earn at a rate of 1 BMO point per $1 spent. The minimum income requirements put this card out of reach for some. Get more details about the BMO eclipse Visa Infinite* Go to Site Best Visa credit card for cash back Scotia Momentum Visa Infinite* At a glance: The Scotiabank Momentum Visa Infinite is our pick for best cash back Visa for its robust purchase and travel protection, as well as its high earn rate—4% on groceries and recurring bills, 2% on gas and daily transit (including public transit, taxis and rideshares) and 1% on everything else. Annual fee: $120 (waived for the first year) Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers Welcome bonus: Earn 10% cash back on all eligible purchases for the first three months (up to $2,000). Pay no annual fee for the first year. Offer ends April 30, 2023. Earn rate: 4% on gas and recurring bills; 2% on gas and daily transit; 1% on everything else Additional benefits: Mobile device insurance, travel emergency medical and travel accident coverage, car rental damage/loss waiver, flight interruption and delayed and lost baggage insurance; and access to Visa Infinite experiences Annual income requirement: $60,000 or a minimum household income of $100,000 Pros This card’s earn rates are some of the highest in the country in key and broadly defined spending categories. Included new mobile device, travel and car rental insurance make this an all-around credit card. Pay off larger purchases in installments through Scotia SelectPay. Cons You can only access your cash back once per year, and only as a statement credit. If you buy your groceries at Walmart, you’ll only get 1% cash back as it isn’t considered a grocery store. The minimum income requirement may put this card out of reach for some. Get more details about the Scotia Momentum Visa Infinite* Go to Site Best Visa credit card for gas and groceries CIBC Dividend Visa Infinite At a glance: Take the sting out of rising prices with the CIBC Dividend Visa Infinite’s return of 4% cash back on gas and groceries, and 2% back on daily transit (including rideshares and public transit), dining, and recurring payments. You’ll also get perks like travel medical and rental car collision insurance. Annual fee: $120 (waived for the first year) Interest rates: 20.99% on purchases, 22.99% on cash advances (21.99% for Quebec residents) and 22.99% on balance transfers Earn rate: 4% cash back on gas and groceries, 2% on dining, daily transit and recurring bills, and 1% back on everything else. Welcome bonus: Earn 10% cash back on all purchases (up to $250 in value) for the first four statements (up to a maximum of $2,500 in purchases), plus an annual fee rebate for the first year. To be