Disclosures

Credit cards: education first

TopRates.ca provides educational information about Canadian credit cards. We do not currently have signed issuer affiliate relationships or card application links. Product information must be checked with the issuer before making a financial decision.

The card list on /credit-cards is for browsing and comparison only. Browsing the site is not a credit application.

Regulatory compliance

Our affiliate disclosures follow the Competition Bureau of Canada’s guidance in The Deceptive Marketing Practices Digest, Volume 4 (June 2018) on influencer marketing, savings claims, and material connections. We disclose affiliate relationships at the top of every page where affiliate-linked products appear and on this dedicated page.

Advertising

Where TopRates.ca displays advertising — including display ad units, sponsored content, or partner placements — those placements are clearly labelled. Advertising never appears as editorial recommendation, and ad placement does not influence which products we feature or how any product is ranked.

Editorial separation

• No card is currently scored or ranked. Readers choose the list sort order.
• Our methodology describes planned review criteria.
• Every card in our list is labelled as not yet verified, and the list shows no fees, interest rates, offers or eligibility details: check them with the issuer.
• We do not run pay-to-be-ranked placements.
• We do not list products under fake or generic names.

Refresh & accuracy

The card details listed on /credit-cards today have not yet been checked against each issuer’s website and carry no review date. Confirm every term with the issuer before you apply.

Product terms (rates, fees, sign-up bonuses, insurance coverage) change frequently. For verified listings, we commit to a quarterly review of every featured product with a “last reviewed” date on each listing, and a same-day update when an issuer announces a major change — for example, removing a category bonus or repricing an annual fee.

If you spot stale information, please contact us.

Links to card issuers

The card list has no affiliate links or issuer application buttons. Confirm current rates, fees, offers and eligibility directly with the issuer. Final approval, pricing, and product terms are at the issuer’s sole discretion.

TopRates.ca does not sell your application data to lead-buyers.