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Top United States Credit Cards Offered in Canada (updated November 28, 2017)

I may not update this list very frequently, but every now and then, there are updates to be had. Only minor updates this time around. Not to mix up with U.S. based credit cards, below is a list of Canadian based USD credit cards that allow you to make purchases in U.S. currency (which essentially avoids foreign transaction fees), but you would need to pay off the balance with USD.

The first thought would be that it makes no sense to get this credit card if you do not have any existing US currency savings or USD income. Because then you would need to exchange for CAD to USD every time you need to pay off your credit card.

Therefore, I would recommend this credit card Canadians who have existing USD savings from before or ongoing USD income, but unable to apply for US based credit cards (which is the preferred method).

Below is the updated list of credit cards, which I have ranked according to the annual fees.

BMO U.S. Dollar MasterCard for Business

  • $25 USD annual fee
  • $5 USD annual fee for supplementary cardholders (for employees)
  • No rewards

Desjardins U.S Visa Card

  • $30 USD annual fee
  • No annual fee for supplementary cardholders (for spouse and other family members)
  • No rewards

Desjardins U.S Business Visa Card

  • $30 USD annual fee
  • No annual fee for supplementary cardholders
  • No rewards

BMO U.S. Dollar MasterCard

  • $35 USD annual fee (next year’s fee waived if you spend $1,000 per year, based on your anniversary date)
  • No annual fee for supplementary cardholders (no limit mentioned)
  • No rewards

Scotiabank U.S. Dollar Visa Card

  • $35 USD annual fee
  • No annual fee for supplementary cardholders
  • No rewards

CIBC U.S. Dollar Visa Card

  • $35 USD annual fee
  • No annual fee for supplementary cardholders (to a maximum of 3)
  • No rewards

National Bank U.S. Dollar MasterCard

  • $35 USD annual fee
  • No annual fee for supplementary cardholders (to a maximum of 3)
  • No rewards

National Bank U.S. Dollar MasterCard Business

  • $35 USD annual fee
  • No annual fee for supplementary cardholders (to a maximum of 3)
  • No rewards

TD U.S. Dollar Visa Card

  • $39 USD annual fee
  • No annual fee for supplementary cardholders (up to 3 limit)
  • No rewards

RBC U.S. Dollar Visa Gold

  • $65 USD annual fee
  • $30 USD for supplementary cardholders
  • Earn 1 RBC Rewards point for every $1 spend on all purchases

Please let us know in the comment section below whether we missed any cards!

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Pointshogger aims to provide analysis and updates on earning loyalty reward points and maximizing the value of your points. We hope to inspire our readers to experience the joy of travel and make the most out of what they've already got!

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