The Top 7 Credit Card Apps In Canada

When you are shopping around for a new credit card, the quality of an issuer’s mobile application might seem insignificant. Still, not all apps are created equally — some have better features or a more intuitive layout than their competitors. Ultimately, this can affect the day-to-day experience of carrying a particular credit card.

A high-quality mobile app may not be the sole reason that you register for a credit card, but it could be the deciding factor if you are interested in several different cards. As a result, we have rounded up some of the best credit card apps in Canada (and noted some of the competitive credit cards that they support).

KOHO – Best Features to Budget and Save Money

Apple App Store rating: 4.8 stars

Apple App Store ranking: #11 in finance

Google Play rating: 4.6 stars

By nature, KOHO’s prepaid credit card requires users to be more involved than they would be with a standard credit card. Luckily, the app makes it very easy to add funds, monitor your spending, and more. Users love how it helps them save without thinking about it thanks to features such as Round Ups. It also helps you monitor expenses and set goals.

Register for KOHO to start using this credit card app. 

Neo Financial – Best Cash Back

Apple App Store rating: 4.8

Apple App Store ranking: #21 in finance

Google Play rating: 4.5 stars

Neo Financial is known for offering significant cashback at partner businesses, making it important to know where to shop. Luckily, their app makes it easy to find local partner businesses and track offer completion. The app also provides a variety of graphs that show your spending over time, making it easier to curb poor financial habits.

Apply for Neo Credit to start using this credit card app. 

Amex Canada – Everything You Need at a Glance

Apple App Store rating: 4.8 stars

Apple App Store ranking: #15 in finance

Google Play rating: 4.8 stars

American Express’ mobile app makes it easy to get the most out of their credit cards. The biggest perk? It is incredibly easy to sign up for store-specific bonus rewards offers. The app even includes a map view for offers, making it easy to figure out which local businesses are participating (although not all offers show up on the map). 

The Amex Canada app has quite a few additional perks, including freezing your card and chatting with customer service agents in-app. Most users appreciate the app. It displays all the information you need at a glance when you log in, such as the remaining balance so you can make sure not to pay interest charges.

Apply for the American Express Cobalt Credit Card to start using this credit card app. 

RBC Mobile – Best for Beginners

Apple App Store rating: 4.8 stars

Apple App Store ranking: #2 in finance

Google Play rating: 3.6 stars

RBC Mobile is incredibly beginner-friendly: it defines financial terms, offers smart insights into your spending, creates detailed spending graphs, and more. It can even generate budgets based on your spending patterns, making it incredibly easy to foster healthy financial habits. However, many users complain of problems with tablets (not supported), with depositing a cheque, and so on.

Apply for the RBC Avion Visa Infinite card to start using this credit card app. 

Scotiabank – Credit Score, Points Balance and Accounts in a Single App

Apple App Store rating: 4.7 stars

Apple App Store ranking: #5 in finance

Google Play rating: 4.6 stars

Scotiabank’s app makes it simple to check various metrics at a glance. Those who sign up for a Scotiabank/Scene+ credit card can view their Scene+ points balance within the app. Additionally, it is easy to check your TransUnion credit score from within the app.

In the event that you need to contact Scotiabank, their app makes it easy to start a chat with customer service. The app also lets you book appointments with branch advisors.

Apply for the Scotiabank Scene+ Visa Card to start using this credit card app. 

Tangerine Mobile Banking – Best for Visually Oriented People

Apple App Store rating: 4.7 stars 

Apple App Store ranking: #27 in finance

Google Play rating: 4.6 stars

Tangerine Mobile Banking comes with a variety of budgeting-related features, making it easier to create healthy financial habits. Tangerine’s app also creates visual graphs of your transaction history so you can easily identify areas of overspending. Ultimately, these features make it very easy to monitor your credit card usage (and quickly identify irresponsible usage) — especially if you are a visually oriented person.

Apply for Tangerine’s Money-Back Credit Card to start using this credit card app. 

EQ Bank Mobile Banking – Best for Travellers

Apple App Store rating: 4.7 stars

Apple App Store ranking: #39 in finance

Google Play rating: 4.4 stars

Much like the KOHO card, EQ’s Bank Card is prepaid (and requires more maintenance than a standard credit card). There are no FX fees when you make purchases online or abroad. Fortunately, it is also easy to load funds and review your transaction history. The app also makes it simple to apply for additional EQ products. However, users report frequent problems with the app such as error messages.

Register for the EQ Bank Card to start using this credit card app. 

Do you still have questions about Canadian credit card apps? Check out our list of frequently asked questions for help.