This guide is for residents of Quebec looking for the best credit card options available in the province and credit card deals and promotions they can take advantage of.
Unlike the rest of Canada, there are differences in the rules that credit card companies must abide by when they offer credit in Quebec.
For example, the monthly minimum payment on credit cards is higher at 5% when you open a new credit card account, compared to 2.50% of the balance owed for the rest of Canada (or a minimum payment of $10).
Read on to learn about the best credit cards for Quebec in 2024.
Best Credit Cards in Quebec
| Credit Cards | Annual Fee | Income Requirement | Apply |
| Tangerine Money-Back Credit Card | $0 | $12,000 personal | Apply |
| SimplyCash Card from Amex | $0 | None | Apply |
| American Express Cobalt Card | $155.88 | None | Apply |
| Scotiabank Gold American Express Card | $120 | $12,000 personal | Apply |
| National Bank World Elite Mastercard | $150 | $80,000 personal or $150,000 household | Apply |
| KOHO Prepaid Mastercard (regular) | $0 | None | Apply |
| Scotia Momentum Visa Infinite Card | $120 | $60,000 personal or $100,000 household | Apply |
| SimplyCash Preferred Card from Amex | $119.88 | None | Apply |
| American Express Aeroplan Card | $120 | None | Apply |
| Scotiabank Passport Visa Infinite Card | $139 | $60,000 personal or $100,000 household | Apply |
| The Platinum Card | $799 | None | Apply |
Best No-Fee Cash Back Credit Cards in Quebec
Tangerine Money-Back Credit Card
The Tangerine Money-Back Credit Card is easily the best cash back credit card in Canada if you want to avoid paying annual fees.
This card offers unlimited 2% cash back rewards when you spend on 2-3 categories of your choice and 0.50% cash back on all other purchases.
It doubles as a student credit card, with a low-income requirement of $12,000 and credit scores of 600+.
New cardholders also have access to a low balance transfer rate of 1.95% for the first 6 months.
To qualify for the Tangerine Money-Back Card, you must be the age of the majority in your province, reside in Canada, and have no bankruptcy history over the last seven years.
Apply here or learn more in this detailed review.
If you have a personal income of $60,000 per year, or a gross household income of $100,000, you may qualify for the Tangerine World Mastercard, a no-fee premium cash back credit card.
Tangerine Money-Back Credit Card
Rewards: Earn up to 2% unlimited cash back in up to 3 spending categories and 0.50% on all other purchases.
Welcome offer: Get an extra 10% cash back on up to $1,000 in spending in the first 2 months ($100 value); 1.95% balance transfer rate for 6 months.
Interest rates: 19.95% for purchases, balance transfers, and cash advances.
Annual fee: $0
SimplyCash Card From American Express
For a card that offers straightforward cash back rewards on all purchases and no category tiers, look at the SimplyCash Card from AMEX.
This credit card offers 2% cash back on gas and groceries ($300 annual cashback limit at this rate) and an unlimited 1.25% cash back on all other purchases.
It also includes travel accident insurance of up to $100,000 when you fully charge your travel tickers (plane, ship, bus, or train) to your card.
Other insurance coverages provided are purchase protection and extended warranty insurance.
There is no income requirement for the SimplyCash Card from Amex.
Apply here or read our review. You can also view the promotional offer in the box below.
SimplyCash Card from American Express
Rewards and benefits: Earn up to 2% cash back on gas and groceries; 1.25% cash back on all other purchases; travel accident insurance.
Welcome offer: NA
Interest rates: 20.99% on purchases and 21.99% on cash advances.
Annual fee: $0
Best Travel Credit Cards For Quebec
Quebecers can access a long list of travel credit cards and earn rewards points, Aeroplan points, Air Miles, and more.
Scotiabank Gold American Express Card
The Scotiabank Gold American Express Card is one of a few credit cards in Canada that waive foreign transaction fees. It is also a great grocery credit card and includes comprehensive travel insurance coverage.
Cardholders earn 5x Scene+ points per $1 spent on food, drinks, and entertainment, 3x points per $1 spent on gas and daily transit, and 1x point per $1 spent on all other purchases.
When you spend money in a foreign currency, the 2.50% FX fee is waived.
Insurance benefits for the Scotiabank Gold American Express Card include travel emergency medical, trip cancellation, trip interruption, flight delay, delayed baggage, lost baggage, travel accident, hotel burglary, and rental car insurance.
Cardholders also get a discounted Priority Pass membership plus other premium perks.
To qualify, you need a personal income of at least $12,000.
Apply here or read our detailed review. You can review the promotional offer for the card below.
Scotiabank Gold American Express
Rewards: Earn 5x Scene+ points/$1 on restaurants, food delivery, and grocery (up to 6x at some stores); 3x points/$1 in gas & travel; 1x points/$1 everything else.
Welcome offer: Get up to 40,000 points ($400 value).
Interest rates: 20.99% on purchases; 22.99% on cash advances.
Annual fee: $120
American Express Cobalt Card
The American Express Cobalt Card is a premium travel rewards card that is also great for cash back.
Cardholders earn 5 points per dollar spent on food and drinks, 3 points per $1 spent on streaming subscriptions, 2 points per $1 spent on travel and transit, and 1 point per $1 spent on everything else.
In addition, this card includes competitive travel insurance coverage and benefits with emergency medical insurance, flight delay, baggage delay, hotel burglary, lost or stolen baggage, travel accident, and car rental insurance.
It even offers rare mobile device insurance for up to $1,000.
The American Express Cobalt Card also includes many other premium perks, and you can learn about them in this review.
In your first year, you can earn up to 30,000 bonus Membership Rewards points.
Like the other American Express cards on this list, this card has no minimum income requirement.
American Express Cobalt Card
Rewards: Earn 5x pts per $1 spent on food & drinks; 3x pts on streaming subscriptions; 2x pts on travel; 1x pts everywhere else.
Welcome offer: Get up to 15,000 bonus points in the first year.
Interest rates: 20.99% on purchases and 21.99% on cash advances.
Annual fee: $155.88
National Bank World Elite Mastercard
The National Bank World Elite Mastercard is great for travellers with unlimited access to the NB VIP Lounge at the Montreal Airport and travel insurance for up to 60 days. It has a $150 annual fee.
You earn up to 2 points per dollar spent based on your net spending over the last 12 months:
- $0 to $40,000: 1.5 points/$1
- $40,001 to $80,000: 2 points/$1
- $80,001+: 1.5 points/$1
Cardholders enjoy comprehensive travel insurance coverage, including up to $5 million for out-of-province medical/hospital insurance.
You also get up to $250 in travel credit each year.
To qualify, you need a gross annual personal income of $80,000 or $150,000 for household income.
Read our review of the card.
Best Prepaid Card for Quebec
KOHO Prepaid Mastercard
A reloadable prepaid card with no “fees” and pays cash back on your purchases is the KOHO Prepaid Mastercard.
The KOHO Card offers 1% cash back on grocery purchases and bill payments and up to 10% cash back at select partners.
The regular card has no annual fee and also includes:
- Free unlimited debit transactions and Interac e-Transfers
- Savings interest on your balance if you set up a direct deposit
- Budgeting app
You can also opt for the premium version of the card and pay $84 per year (or $9/month) to access other benefits:
- 2% cash back on groceries, restaurants, food delivery, and transportation (and up to 10% cash back at partners)
- No foreign currency conversion fees (2-3% savings)
- Price matching
- Access to financial coaching
- One free international ATM withdrawal each month
Apply here for the card or read our review.
KOHO Prepaid Mastercard
Rewards: Earn 1% cash back on groceries and transportation, up to 5% unlimited cash back at partner stores in Canada. Get 3% interest on your entire balance. Users also get access to a free budgeting app.
Welcome offer: $20 sign up bonus after first purchase (use CASHBACK promo code during sign-up)
Interest rate fee: N/A
Annual fee: $0 (no monthly fees)
Best Premium Cash Back Credit Cards for Quebec
These premium credit cards offer cash back along with other rewards and have an annual fee.
Scotia Momentum Visa Infinite Card
The Scotia Momentum Visa Infinite Card is one of Canada’s best cash back credit cards.
Cardholders earn 4% cash back on grocery purchases and recurring payments, 2% cash back on gas and transit, and 1% cash back on everything else.
This credit card offers mobile device, trip cancellation, trip interruption, travel emergency medical, flight delay, travel accident, delayed baggage, lost baggage, flight delay, and car rental insurance.
For a limited time, you also earn bonus cash back and the first year’s annual fee is waived.
You will require a minimum annual income of $60,000 or a household income of $100,000 to qualify.
Apply here or read our review. The promotional offer is detailed below.
Scotiabank Momentum Visa Infinite Card
Rewards: Earn 4% cashback on groceries & recurring bills; 2% cashback on gas & daily transit; 1% cashback on everything else.
Welcome offer: Earn 10% cashback in the first 3 months on up to $2,000 spent ($200 value).
Interest rates: 20.99% on purchases; 22.99% on cash advances.
Annual fee: $120
SimplyCash Preferred Card from Amex
The SimplyCash Preferred Card from Amex offers a 4% cash back rate on gas and groceries ($1,200 annual cash back limit at this rate) and unlimited 2% cash back rewards on all other purchases.
Combine this with its $100,000 travel accident insurance and $5 million emergency medical insurance, and you have a card that works well for both cash back rewards and travel.
Apply here or read our review. For a limited time, new cardholders get a welcome bonus.
SimplyCash Preferred Card from American Express
Rewards: Earn 4% cash back on gas and grocery purchases ($1,200 annual limit); 2.00% cash back on all other purchases.
Welcome offer: NA
Interest rates: 20.99% on purchases and 21.99% on cash advances.
Annual fee: $9.99/month or $119.88/year
CIBC Dividend Visa Infinite Card
The CIBC Dividend Visa Infinite Card pays 4% cash back on gas and groceries, 2% cash back on transportation, dining, and recurring bill payments, and 1% cash back on everything else.
Cardholders also enjoy mobile device insurance, emergency travel medical, common carrier accident, and car rental insurance.
This card has a $120 annual fee, and you can learn more about it in this review.
Other Quebec Credit Cards
American Express Aeroplan Card
The American Express Aeroplan Card makes it easy to collect Aeroplan points when you spend. It also offers a bunch of travel rewards that will come in handy if you are a frequent traveller.
Cardholders earn 2x the points on Air Canada and Air Canada Vacations purchases, 1.5x points per $1 spent on dining and food delivery purchases, 1x the points on everything else.
It includes comprehensive travel insurance coverage and the following perks:
- First checked bag is free on Air Canada flights (including up to 8 companions)
- Exclusive access to Amex Experiences
You can easily redeem your points for flights, car rentals, vacations, merchandise, and other rewards.
This charge card has no pre-set spending limits, and there is no minimum annual income required to qualify.
Apply here or read our review.
American Express Aeroplan Card
Rewards: Earn 2x Aeroplan pts on Air Canada purchases; 1.5x pts dining & food delivery; 1x pts everywhere else; comprehensive travel insurance coverage.
Welcome offer: NA
Interest rates: Charge card (pay in full each month or 30% interest rate applies).
Annual fee: $120
Scotiabank Passport Visa Infinite Card
The Scotiabank Passport Visa Infinite Card is another top travel rewards card available in Quebec.
Cardholders earn 2 Scene+ points per $1 spent on groceries, dining, entertainment, and daily transit; and 1 point per $1 spent elsewhere.
Frequent travellers will be pleased with this card’s 6 free complimentary airport lounge access each year and its no foreign transaction fees.
For insurance coverage, it also covers all the basic with travel emergency medical, trip cancellation, travel accident, rental car, hotel/motel burglary, flight delay, delayed and lost baggage, and trip interruption insurance.
To qualify for this card, you need a minimum annual income of $60,000 or $100,000 for household income.
Apply here or read our detailed review. The current promotional offer is shown below.
Scotiabank Passport Visa Infinite Card
Rewards: Earn 2x Scene+ points/$1 on groceries, dining, entertainment, and daily transit; 1x points/$1 everything else; 6 free airport lounge passes/year; no FX fees.
Welcome offer: Get up to 40,000 points ($400 value).
Interest rates: 20.99% on purchases; 22.99% on cash advances.
Annual fee: $150 (waived in the first year)
The Platinum Card
The Platinum Card from Amex is another solid credit card to consider if you live in Quebec.
It offers 2x the points on food and drinks, 2x the points on travel purchases, and 1x the point on everything else.
This premium card includes several VIP perks:
- $100 NEXUS Card statement credit
- $200 annual travel credit
- $200 annual dining credit
- Complimentary airport lounge access
- Comprehensive travel insurance benefits, including up to $5 million for emergency medical
- Access to American Express Experiences and more
The Platinum Card has no pre-set spending limit, and there is no minimum income requirement.
Apply here or read our review of the card.
The American Express Platinum Card
Rewards: Earn 2 pts per $1 spent on dining & food delivery; 2pts per $1 spent on travel; 1pt/$1 everywhere else.
Welcome offer: NA
Interest rates: N/A. Check card details for penalty APRs.
Annual fee: $799
BMO Air Miles World Elite Mastercard
The BMO Air Miles World Elite Mastercard is great for collecting AIR MILES Bonus Miles.
This credit card has a $120 annual fee and offers 1 Mile for every $12 you spend, or 3 Miles per $12 spent at participating AIR MILES partners.
Cardholders enjoy comprehensive travel insurance benefits as well as complimentary membership in Mastercard Airport Experiences provided by LoungeKey.
You can redeem your Miles for travel, merchandise, gift cards, and more.
Learn more in this review.
Methodology:
The Savvy New Canadians team assesses the best credit cards for Quebec based on their availability to residents of the province, annual fees, interest rates, welcome bonuses, rewards, top features, insurance coverage, and other perks. We carefully evaluate each credit card and place more weight on the long-term rewards value each card offers. Visit the credit card issuer’s website using the links to confirm each product’s terms and conditions before applying.
Credit Cards For Quebec FAQs
Quebec’s Consumer Protection Act stipulates a 5% minimum monthly payment on credit card balance. This will help Quebecers pay off their credit card debt faster.
The best credit cards for Quebecers will vary depending on your needs. For a no-annual-fee cash back credit card, our top choices are the Tangerine Money-Back Credit Card and SimplyCash Card from AMEX. For premium credit cards, consider the American Express Cobalt Card and National Bank World Elite Mastercard.
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