Cards
88 Canadian cards, each checked on the bank's own page. Find yours by role, by what you spend on, or by bank.
Everyday card
Earns well on most spending and is accepted almost everywhere (Visa or Mastercard); the card you reach for by default.
Category card
Best in one or two spending areas; pair it with an everyday card.
Scotiabank Gold Amex
Groceries and dining: 5–6 Scene+ points per $1 ($5–$6 per $100), and no foreign-transaction fee
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SimplyCash Preferred
Groceries and gas: 4% cash back (first $30,000 a year combined), and 2% on everything else
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Neo World Elite Mastercard
Groceries: 5% cash back, up to $1,000 a month, plus 4% on recurring bills and 3% on gas (Gas & Grocery plan)
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Amex Cobalt
Groceries, restaurants and food delivery: 5 points per $1 ($5 per $100 as a statement credit), up to $2,500 a month
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CIBC Dividend Visa Infinite
Groceries and gas: 4% cash back, on up to $20,000 a year of bonus-category spending
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Scotia Momentum Visa Infinite
Groceries and recurring bills: 4% cash back, up to $25,000 a year combined
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National Bank World Elite Mastercard
Groceries and restaurants: 5 points per $1 ($5 per $100 in travel) on up to $2,500 a month
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Desjardins Cash Back World Elite Mastercard
Groceries: 4% cash back on up to $10,000 a year, plus 3% on restaurants, entertainment and transit
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Capital One Quicksilver World Elite Mastercard
Groceries and gas: 3% cash back with no cap and no annual fee, and no foreign-exchange fee on purchases made outside Canada
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Capital One Quicksilver World Mastercard
Groceries and gas: 3% cash back with no cap and no annual fee, for incomes from $50,000 ($80,000 household)
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BMO CashBack World Elite Mastercard
Groceries: 5% cash back on the first $500 a month, plus 4% transit, 3% gas and 2% bills
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RBC Cash Back Preferred World Elite
Dining, gas and groceries: 3% cash back, no cap, plus transit, rideshare and streaming
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TD Cash Back Visa Infinite
Groceries, gas, transit and recurring bills: 3% cash back, first $15,000 a year in each
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SimpliiCash Back Visa
Simplii Cash Back Visa
Restaurants, bars and coffee shops: 4% cash back, on the first $5,000 a year, no annual fee
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TangerineMoney-Back
Tangerine Money-Back
2% cash back in 2 categories you pick (3 with a Tangerine Savings Account), uncapped, no annual fee
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TangerineMoney-Back World Mastercard
Tangerine Money-Back World Mastercard
2% cash back in 2 categories you pick (3 with a Tangerine Savings Account), uncapped, no annual fee, plus phone insurance
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BMO eclipse Visa Infinite
Dining, groceries, gas and transit: 5 points per $1 (about 3.35% back in travel), year one free
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Churning card
Get it for the welcome bonus, then cancel or downgrade before the fee comes back.
CIBC Dividend Platinum Visa
The welcome offer: $250 cash back and the $99 fee back in year one, on a cash-back card that needs only $15,000 household income
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TD First Class Travel Visa Infinite
Welcome offer: up to 160,000 TD points = $800 on Expedia For TD travel, with the $139 fee rebated in year one
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National Bank Platinum Mastercard
The welcome offer: up to 35,000 points and the $70 fee back in year one, on a card with no minimum income
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Tangerine Rewards World Elite Mastercard
The welcome bonus: 50,000 Scene+ points ($500) for $5,000 of spending in the first 90 days
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CIBC Aventura Visa Infinite
The welcome bonus: up to 60,000 Aventura points on $5,000 of spending, year-one fee rebated
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CIBC Aventura Gold Visa
The welcome bonus without the Visa Infinite income bar: up to 60,000 Aventura points, $15,000 household income
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TD Aeroplan Visa Infinite
Welcome offer: up to 50,000 Aeroplan points in year one, with the $139 fee rebated
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CIBC Aeroplan Visa Infinite
The welcome bonus: up to 50,000 Aeroplan points, year-one fee rebated, plus a free checked bag on Air Canada
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Amex Aeroplan
Welcome offer: up to 45,000 Aeroplan points, plus a free checked bag on Air Canada
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Amex Gold Rewards
Welcome offer: up to 60,000 Membership Rewards points (about $600); an elevated 90,000 shows at times
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Scotiabank Platinum Amex
A big welcome offer: up to 100,000 Scene+ points (about $1,000), plus 10 airport lounge visits and no foreign-transaction fee
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RBC Avion Visa Infinite
A travel-points welcome offer: up to 70,000 Avion points, with transfers 1:1 to British Airways Avios and Cathay Asia Miles
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RBC British Airways Visa Infinite
Collecting Avios fast: 50,000 bonus Avios after $6,000 in 3 months, enough for a one-way flight to London (RBC)
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BMO Ascend World Elite Mastercard
The welcome offer: up to 115,000 points (about $767 in travel) plus 4 lounge passes, year one free
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BMO VIPorter Mastercard
A Porter welcome offer with no fee in year one: up to 40,000 VIPorter points and a 35%-off flight voucher
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CIBC Aventura Visa Infinite Privilege
The welcome bonus plus travel extras: up to 80,000 Aventura points, a $200 yearly travel credit and 6 lounge visits
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RBC Avion Visa Infinite Privilege
A premium welcome offer: up to 100,000 Avion points + 6 airport lounge passes, with the strongest insurance of the RBC Avion cards
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Niche card
Worth it only for a specific need, such as a store, an airline or travel insurance.
Scotiabank Amex
Sobeys-family groceries: 3 Scene+ points per $1 ($3 per $100) on a no-fee card, plus 2 points on dining, gas and transit
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PC World Elite Mastercard
Loblaw-banner groceries (30 points per $1, about 3%) and Shoppers Drug Mart (45 points per $1, about 4.5%), with no annual fee
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PC Insiders World Elite Mastercard
Loblaw-store groceries (40 points per $1, about 4%) and Shoppers Drug Mart (50 points per $1, about 5%), plus free PC Express grocery pickup and delivery
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Triangle World Elite Mastercard
Groceries (3% on the first $12,000 a year) and Canadian Tire stores (4%), in Canadian Tire Money, with no annual fee
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Scotiabank Passport Visa Infinite
Travel abroad: no foreign-transaction fee, 6 free airport lounge visits a year and strong travel insurance on a Visa
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WestJet RBC World Elite Mastercard
Families who fly WestJet: free first checked bag for up to 9 people and a yearly companion voucher from $119
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CIBC Costco Mastercard
Costco members: 3% on restaurants and Costco gas, and the card doubles as your membership card
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PC Mastercard
Shoppers Drug Mart and Pharmaprix: 25 points per $1 (about 2.5% back), with no annual fee
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WealthsimpleCredit Card
Wealthsimple Credit Card
Wealthsimple clients and travellers: 2% cash back on everything, with no foreign-exchange fee
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DesjardinsOdyssey Visa Infinite Privilege
Desjardins Odyssey Visa Infinite Privilege
Travel insurance and low interest: 11.90% on purchases, $5 million travel medical, 4% on dining
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Marriott Bonvoy American Express
Marriott stays: a free night every year (worth up to 35,000 points) and 5 Bonvoy points per $1 at Marriott hotels
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Triangle Mastercard
Canadian Tire, Sport Chek, Mark's and Party City: 4% back in Canadian Tire Money, with no annual fee
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RBC ION+ Visa
Students and cardholders 24 and under with RBC banking: 3 Avion points per $1 on groceries, dining, gas and transit, fee rebated
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Home Trust Preferred Visa
Spending in foreign currencies with no fee: no 2.5% foreign-transaction fee on a $0 card, plus 1% cash back in Canada
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WestJet RBC Mastercard
WestJet flyers on a budget: a yearly companion voucher from $199 for $39 a year
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BMO VIPorter World Elite Mastercard
People who fly Porter: free checked and carry-on bags for you and up to 8 companions, plus free PorterClassic seat selection
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CIBC Aeroplan Visa
Keeping Aeroplan points alive for $0: 1 point per $1 on groceries, gas and Air Canada, no annual fee
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United MileagePlus Neo World Elite Mastercard
People who fly United: first checked bag free for the cardholder, plus 20,000 MileagePlus miles in year one, for $89 a year
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Cathay World Elite Mastercard
People who fly Cathay Pacific: 35,000 Asia Miles in year one and up to 15% off Cathay flights
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Rogers Red World Legend
Big spenders and frequent travellers with Rogers service: 2% cash back on everything, no annual cap, no foreign-transaction fee
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Capital One Guaranteed Mastercard
Building or rebuilding credit when other banks turn you down: $0 fee, approval guaranteed if you meet four conditions
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Capital One Guaranteed Secured Mastercard
Building or rebuilding credit when other banks turn you down: $0 fee, a refundable deposit, approval guaranteed if you meet four conditions
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BMO eclipse Visa Infinite Privilege
Heavy spenders who travel: 5 points per $1 on groceries, dining, gas, travel and drugstores, plus 6 lounge visits
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Amex Aeroplan Reserve
Frequent Air Canada flyers: Maple Leaf Lounge access for you + 1 guest, priority airport service and a free checked bag
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TD Aeroplan Visa Infinite Privilege
Frequent Air Canada flyers: unlimited Maple Leaf Lounge access in North America, for you and each additional cardholder
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CIBC Aeroplan Visa Infinite Privilege
Frequent Air Canada flyers: Maple Leaf Lounge access, a yearly Companion Pass and 2 points per $1 on Air Canada
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Scotiabank Passport Visa Infinite Privilege
Frequent travellers: 10 airport lounge visits per cardholder, a $250 travel credit, no foreign-transaction fee and $5 million travel medical on a Visa
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Amex Platinum
Frequent travellers who use lounges: 1,550+ airport lounges, $400 a year in travel and dining credits, and the richest Amex travel insurance
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Skip for now
Not worth applying for today; we will say when that changes.
Scotiabank Scene+ Visa
Sobeys-family groceries, Home Hardware and Cineplex: 2 Scene+ points per $1 on a $0 Visa
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Amex SimplyCash
No-fee cash back: 2% on gas and groceries (first $15,000 a year combined), 1.25% on everything else
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DesjardinsOdyssey World Elite Mastercard
Desjardins Odyssey World Elite Mastercard
Groceries and restaurants: 3% back, up to $10,000 of groceries and $6,000 of dining a year
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Neo World Mastercard
Groceries, gas and bills: 2% cash back with no annual fee, up to a monthly cap in each (Gas & Grocery plan)
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CIBC Dividend Visa
A no-fee CIBC card for groceries: 2% cash back, if you want to keep everything at CIBC
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National Bank ECHO Cashback Mastercard
No minimum income: 1% cash back on everything, 1.5% on groceries, gas and online shopping
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TD Platinum Travel Visa
Groceries, dining and transit: 4.5 TD points per $1 (about 2.25% if you book travel on Expedia For TD)
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BMO CashBack Mastercard
A no-fee grocery card: 3% cash back on the first $500 of groceries a month
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RBC Cash Back Mastercard
A no-fee grocery card for RBC clients: 2% cash back on groceries, no cap
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Amex Green
No-fee Membership Rewards points: 1 point per $1 on everything, transferable to Aeroplan and other partners
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CIBC Adapta Mastercard
A no-fee CIBC Mastercard that picks your bonus categories for you: 1.5 points per $1 in your top 3 each month
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TD Rewards Visa
No-fee card with 3 TD points per $1 on groceries, dining and transit, first $5,000 a year in each
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Scotia Momentum No-Fee Visa
A no-fee backup Visa: 1% cash back on groceries, gas, transit, drugstores, food delivery and recurring bills
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Brim World Elite Mastercard
Travel insurance on a 1% card: $5 million travel medical and trip cover for $89 a year
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RBC ION Visa
A no-fee RBC card: 1.5 Avion points per $1 on groceries, gas, transit, rideshare and streaming
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CIBC Aventura Visa
Keeping Aventura points alive for $0: if you are downgrading from a CIBC Aventura fee card
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BMO eclipse rise Visa
A no-fee BMO card: 2.5 points per $1 (about 1.7% back in travel) on groceries, dining and recurring bills
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Capital One Smart Rewards Mastercard
A no-fee card that pays about 0.6% in gift cards on what you pay off. Few people should pick it over a cash-back card
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National Bank mycredit Mastercard
A no-fee, no-income-minimum Mastercard: 1% cash back on restaurants and recurring bills
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RBC Avion Visa Platinum
Avion points with airline transfers if your income is under the Visa Infinite bar: same 70,000-point offer as the Avion Visa Infinite
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TD Aeroplan Visa Platinum
Gas, groceries, EV charging and Air Canada: 1 Aeroplan point per $1, up to $80,000 a year combined
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Brim Mastercard (Brim Standard)
No-fee backup card at 0.5% back, plus in-app merchant offers
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BMO Blue Rewards Mastercard
A no-fee way to collect Blue Rewards points (the program that replaced AIR MILES): 5 points per $1 at partners
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Neo Mastercard
Building credit with no annual fee and no income minimum, if Neo approves you for the regular (unsecured) version
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Neo Secured Mastercard
Building credit when you can't get approved elsewhere: approval guaranteed on four conditions, if you post security funds
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GroceriesGas / EVDining & restaurantsBills & subscriptionsTravelTransitDrugstore / pharmacyEntertainment
Ranked by cash back a year on our standard household's spending in each area, caps included. Points at their simplest redemption. Before annual fees. Everyday, category and churning cards only: store and airline cards earn their rates in one place, so they are under Niche cards.
Best for groceries
On $9,600 a year.
Scotiabank Gold Amex
6× points on groceries
$576/yr
≈ 6.0% in value
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Neo World Elite Mastercard
5% back on groceries
$480/yr
5.0% back
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Amex Cobalt
5× points on groceries
$480/yr
≈ 5.0% in value
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National Bank World Elite Mastercard
5× points on groceries
$398/yr
≈ 4.2% in value
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Desjardins Cash Back World Elite Mastercard
4% back on groceries
$384/yr
4.0% back
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SimplyCash Preferred
4% back on groceries
$384/yr
4.0% back
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Scotia Momentum Visa Infinite
4% back on groceries
$384/yr
4.0% back
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CIBC Dividend Visa Infinite
4% back on groceries
$378/yr
3.9% back
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BMO CashBack World Elite Mastercard
5% back on groceries
$336/yr
3.5% back
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Capital One Quicksilver World Elite Mastercard
3% back on groceries
$288/yr
3.0% back
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Capital One Quicksilver World Mastercard
3% back on groceries
$288/yr
3.0% back
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RBC Cash Back Preferred World Elite
3% back on groceries
$288/yr
3.0% back
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TD Cash Back Visa Infinite
3% back on groceries
$288/yr
3.0% back
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CIBC Dividend Platinum Visa
3% back on groceries
$284/yr
3.0% back
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TD First Class Travel Visa Infinite
6× points on groceries
$230/yr
≈ 2.4% in value
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TangerineMoney-Back
Tangerine Money-Back
2% back on groceries
$192/yr
2.0% back
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Rogers Red World Elite
2% back on groceries
$192/yr
2.0% back
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TangerineMoney-Back World Mastercard
Tangerine Money-Back World Mastercard
2% back on groceries
$192/yr
2.0% back
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Amex Gold Rewards
2× points on groceries
$192/yr
≈ 2.0% in value
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Scotiabank Platinum Amex
2× points on groceries
$192/yr
≈ 2.0% in value
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CIBC Aventura Visa Infinite Privilege
2× points on groceries
$192/yr
≈ 2.0% in value
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BMO eclipse Visa Infinite
5× points on groceries
$168/yr
≈ 1.8% in value
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National Bank Platinum Mastercard
2× points on groceries
$144/yr
≈ 1.5% in value
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Tangerine Rewards World Elite Mastercard
1.5× points on groceries
$144/yr
≈ 1.5% in value
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TD Aeroplan Visa Infinite
1.5× points on groceries
$144/yr
≈ 1.5% in value
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CIBC Aeroplan Visa Infinite
1.5× points on groceries
$144/yr
≈ 1.5% in value
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CIBC Aventura Visa Infinite
1.5× points on groceries
$144/yr
≈ 1.5% in value
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CIBC Aventura Gold Visa
1.5× points on groceries
$144/yr
≈ 1.5% in value
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SimpliiCash Back Visa
Simplii Cash Back Visa
1.5% back on groceries
$134/yr
1.4% back
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RBC Avion Visa Infinite Privilege
1.25× points on groceries
$120/yr
≈ 1.3% in value
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RBC Avion Visa Infinite
1× points on groceries
$96/yr
≈ 1.0% in value
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Amex Aeroplan
1× points on groceries
$96/yr
≈ 1.0% in value
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RBC British Airways Visa Infinite
1× points on groceries
$96/yr
≈ 1.0% in value
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BMO VIPorter Mastercard
1× points on groceries
$67/yr
≈ 0.7% in value
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BMO Ascend World Elite Mastercard
1× points on groceries
$48/yr
≈ 0.5% in value
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Best for gas / ev
On $3,000 a year.
SimplyCash Preferred
4% back on gas / ev
$120/yr
4.0% back
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CIBC Dividend Visa Infinite
4% back on gas / ev
$118/yr
3.9% back
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Capital One Quicksilver World Elite Mastercard
3% back on gas / ev
$90/yr
3.0% back
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Capital One Quicksilver World Mastercard
3% back on gas / ev
$90/yr
3.0% back
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Scotiabank Gold Amex
3× points on gas / ev
$90/yr
≈ 3.0% in value
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RBC Cash Back Preferred World Elite
3% back on gas / ev
$90/yr
3.0% back
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BMO CashBack World Elite Mastercard
3% back on gas / ev
$90/yr
3.0% back
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TD Cash Back Visa Infinite
3% back on gas / ev
$90/yr
3.0% back
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Neo World Elite Mastercard
3% back on gas / ev
$90/yr
3.0% back
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CIBC Dividend Platinum Visa
3% back on gas / ev
$89/yr
3.0% back
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BMO eclipse Visa Infinite
5× points on gas / ev
$75/yr
≈ 2.5% in value
›
TangerineMoney-Back
Tangerine Money-Back
2% back on gas / ev
$60/yr
2.0% back
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Rogers Red World Elite
2% back on gas / ev
$60/yr
2.0% back
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TangerineMoney-Back World Mastercard
Tangerine Money-Back World Mastercard
2% back on gas / ev
$60/yr
2.0% back
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Scotia Momentum Visa Infinite
2% back on gas / ev
$60/yr
2.0% back
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Amex Cobalt
2× points on gas / ev
$60/yr
≈ 2.0% in value
›
Amex Gold Rewards
2× points on gas / ev
$60/yr
≈ 2.0% in value
›
Scotiabank Platinum Amex
2× points on gas / ev
$60/yr
≈ 2.0% in value
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CIBC Aventura Visa Infinite Privilege
2× points on gas / ev
$60/yr
≈ 2.0% in value
›
National Bank World Elite Mastercard
2× points on gas / ev
$50/yr
≈ 1.7% in value
›
TD Aeroplan Visa Infinite
1.5× points on gas / ev
$45/yr
≈ 1.5% in value
›
CIBC Aeroplan Visa Infinite
1.5× points on gas / ev
$45/yr
≈ 1.5% in value
›
CIBC Aventura Visa Infinite
1.5× points on gas / ev
$45/yr
≈ 1.5% in value
›
CIBC Aventura Gold Visa
1.5× points on gas / ev
$45/yr
≈ 1.5% in value
›
SimpliiCash Back Visa
Simplii Cash Back Visa
1.5% back on gas / ev
$42/yr
1.4% back
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RBC Avion Visa Infinite Privilege
1.25× points on gas / ev
$38/yr
≈ 1.3% in value
›
National Bank Platinum Mastercard
1.5× points on gas / ev
$37/yr
≈ 1.2% in value
›
Desjardins Cash Back World Elite Mastercard
1% back on gas / ev
$30/yr
1.0% back
›
RBC Avion Visa Infinite
1× points on gas / ev
$30/yr
≈ 1.0% in value
›
Amex Aeroplan
1× points on gas / ev
$30/yr
≈ 1.0% in value
›
Tangerine Rewards World Elite Mastercard
1× points on gas / ev
$30/yr
≈ 1.0% in value
›
RBC British Airways Visa Infinite
1× points on gas / ev
$30/yr
≈ 1.0% in value
›
BMO VIPorter Mastercard
1× points on gas / ev
$26/yr
≈ 0.9% in value
›
TD First Class Travel Visa Infinite
2× points on gas / ev
$24/yr
≈ 0.8% in value
›
BMO Ascend World Elite Mastercard
1× points on gas / ev
$15/yr
≈ 0.5% in value
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Best for dining & restaurants
On $3,000 a year.
Scotiabank Gold Amex
5× points on dining & restaurants
$150/yr
≈ 5.0% in value
›
Amex Cobalt
5× points on dining & restaurants
$150/yr
≈ 5.0% in value
›
National Bank World Elite Mastercard
5× points on dining & restaurants
$125/yr
≈ 4.2% in value
›
SimpliiCash Back Visa
Simplii Cash Back Visa
4% back on dining & restaurants
$120/yr
4.0% back
›
Desjardins Cash Back World Elite Mastercard
3% back on dining & restaurants
$90/yr
3.0% back
›
RBC Cash Back Preferred World Elite
3% back on dining & restaurants
$90/yr
3.0% back
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BMO eclipse Visa Infinite
5× points on dining & restaurants
$75/yr
≈ 2.5% in value
›
TD First Class Travel Visa Infinite
6× points on dining & restaurants
$72/yr
≈ 2.4% in value
›
Rogers Red World Elite
2% back on dining & restaurants
$60/yr
2.0% back
›
SimplyCash Preferred
2% back on dining & restaurants
$60/yr
2.0% back
›
RBC British Airways Visa Infinite
2× points on dining & restaurants
$60/yr
≈ 2.0% in value
›
Scotiabank Platinum Amex
2× points on dining & restaurants
$60/yr
≈ 2.0% in value
›
CIBC Aventura Visa Infinite Privilege
2× points on dining & restaurants
$60/yr
≈ 2.0% in value
›
CIBC Dividend Platinum Visa
2% back on dining & restaurants
$59/yr
2.0% back
›
CIBC Dividend Visa Infinite
2% back on dining & restaurants
$59/yr
2.0% back
›
National Bank Platinum Mastercard
2× points on dining & restaurants
$50/yr
≈ 1.7% in value
›
Amex Aeroplan
1.5× points on dining & restaurants
$45/yr
≈ 1.5% in value
›
Tangerine Rewards World Elite Mastercard
1.5× points on dining & restaurants
$45/yr
≈ 1.5% in value
›
BMO Ascend World Elite Mastercard
3× points on dining & restaurants
$45/yr
≈ 1.5% in value
›
RBC Avion Visa Infinite Privilege
1.25× points on dining & restaurants
$38/yr
≈ 1.3% in value
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Capital One Quicksilver World Elite Mastercard
1% back on dining & restaurants
$30/yr
1.0% back
›
Capital One Quicksilver World Mastercard
1% back on dining & restaurants
$30/yr
1.0% back
›
RBC Avion Visa Infinite
1× points on dining & restaurants
$30/yr
≈ 1.0% in value
›
Scotia Momentum Visa Infinite
1% back on dining & restaurants
$30/yr
1.0% back
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TD Aeroplan Visa Infinite
1× points on dining & restaurants
$30/yr
≈ 1.0% in value
›
CIBC Aeroplan Visa Infinite
1× points on dining & restaurants
$30/yr
≈ 1.0% in value
›
CIBC Aventura Visa Infinite
1× points on dining & restaurants
$30/yr
≈ 1.0% in value
›
CIBC Aventura Gold Visa
1× points on dining & restaurants
$30/yr
≈ 1.0% in value
›
BMO CashBack World Elite Mastercard
1% back on dining & restaurants
$30/yr
1.0% back
›
TD Cash Back Visa Infinite
1% back on dining & restaurants
$30/yr
1.0% back
›
Neo World Elite Mastercard
1% back on dining & restaurants
$30/yr
1.0% back
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Amex Gold Rewards
1× points on dining & restaurants
$30/yr
≈ 1.0% in value
›
BMO VIPorter Mastercard
1× points on dining & restaurants
$21/yr
≈ 0.7% in value
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TangerineMoney-Back
Tangerine Money-Back
0.5% back on dining & restaurants
$15/yr
0.5% back
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TangerineMoney-Back World Mastercard
Tangerine Money-Back World Mastercard
0.5% back on dining & restaurants
$15/yr
0.5% back
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Best for bills & subscriptions
On $3,600 a year.
Scotia Momentum Visa Infinite
4% back on bills & subscriptions
$144/yr
4.0% back
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Neo World Elite Mastercard
4% back on bills & subscriptions
$144/yr
4.0% back
›
TD Cash Back Visa Infinite
3% back on bills & subscriptions
$108/yr
3.0% back
›
TangerineMoney-Back
Tangerine Money-Back
2% back on bills & subscriptions
$72/yr
2.0% back
›
Rogers Red World Elite
2% back on bills & subscriptions
$72/yr
2.0% back
›
TangerineMoney-Back World Mastercard
Tangerine Money-Back World Mastercard
2% back on bills & subscriptions
$72/yr
2.0% back
›
SimplyCash Preferred
2% back on bills & subscriptions
$72/yr
2.0% back
›
BMO CashBack World Elite Mastercard
2% back on bills & subscriptions
$72/yr
2.0% back
›
Scotiabank Platinum Amex
2× points on bills & subscriptions
$72/yr
≈ 2.0% in value
›
CIBC Dividend Platinum Visa
2% back on bills & subscriptions
$71/yr
2.0% back
›
CIBC Dividend Visa Infinite
2% back on bills & subscriptions
$71/yr
2.0% back
›
National Bank World Elite Mastercard
2× points on bills & subscriptions
$60/yr
≈ 1.7% in value
›
TD First Class Travel Visa Infinite
4× points on bills & subscriptions
$58/yr
≈ 1.6% in value
›
Tangerine Rewards World Elite Mastercard
1.5× points on bills & subscriptions
$54/yr
≈ 1.5% in value
›
BMO Ascend World Elite Mastercard
3× points on bills & subscriptions
$54/yr
≈ 1.5% in value
›
SimpliiCash Back Visa
Simplii Cash Back Visa
1.5% back on bills & subscriptions
$50/yr
1.4% back
›
RBC Avion Visa Infinite Privilege
1.25× points on bills & subscriptions
$45/yr
≈ 1.3% in value
›
CIBC Aventura Visa Infinite Privilege
1.25× points on bills & subscriptions
$45/yr
≈ 1.3% in value
›
National Bank Platinum Mastercard
1.5× points on bills & subscriptions
$45/yr
≈ 1.2% in value
›
Capital One Quicksilver World Elite Mastercard
1% back on bills & subscriptions
$36/yr
1.0% back
›
Capital One Quicksilver World Mastercard
1% back on bills & subscriptions
$36/yr
1.0% back
›
Desjardins Cash Back World Elite Mastercard
1% back on bills & subscriptions
$36/yr
1.0% back
›
RBC Avion Visa Infinite
1× points on bills & subscriptions
$36/yr
≈ 1.0% in value
›
Amex Aeroplan
1× points on bills & subscriptions
$36/yr
≈ 1.0% in value
›
Scotiabank Gold Amex
1× points on bills & subscriptions
$36/yr
≈ 1.0% in value
›
RBC Cash Back Preferred World Elite
1% back on bills & subscriptions
$36/yr
1.0% back
›
TD Aeroplan Visa Infinite
1× points on bills & subscriptions
$36/yr
≈ 1.0% in value
›
CIBC Aeroplan Visa Infinite
1× points on bills & subscriptions
$36/yr
≈ 1.0% in value
›
CIBC Aventura Visa Infinite
1× points on bills & subscriptions
$36/yr
≈ 1.0% in value
›
CIBC Aventura Gold Visa
1× points on bills & subscriptions
$36/yr
≈ 1.0% in value
›
RBC British Airways Visa Infinite
1× points on bills & subscriptions
$36/yr
≈ 1.0% in value
›
Amex Cobalt
1× points on bills & subscriptions
$36/yr
≈ 1.0% in value
›
Amex Gold Rewards
1× points on bills & subscriptions
$36/yr
≈ 1.0% in value
›
BMO VIPorter Mastercard
0.5× points on bills & subscriptions
$18/yr
≈ 0.5% in value
›
BMO eclipse Visa Infinite
1× points on bills & subscriptions
$18/yr
≈ 0.5% in value
›
Best for travel
On $2,400 a year.
TD First Class Travel Visa Infinite
8× points on travel
$77/yr
≈ 3.2% in value
›
CIBC Aventura Visa Infinite Privilege
3× points on travel
$72/yr
≈ 3.0% in value
›
BMO Ascend World Elite Mastercard
5× points on travel
$60/yr
≈ 2.5% in value
›
Rogers Red World Elite
2% back on travel
$48/yr
2.0% back
›
CIBC Dividend Platinum Visa
2% back on travel
$48/yr
2.0% back
›
SimplyCash Preferred
2% back on travel
$48/yr
2.0% back
›
Amex Aeroplan
2× points on travel
$48/yr
≈ 2.0% in value
›
CIBC Dividend Visa Infinite
2% back on travel
$48/yr
2.0% back
›
CIBC Aventura Visa Infinite
2× points on travel
$48/yr
≈ 2.0% in value
›
CIBC Aventura Gold Visa
2× points on travel
$48/yr
≈ 2.0% in value
›
Amex Gold Rewards
2× points on travel
$48/yr
≈ 2.0% in value
›
Scotiabank Platinum Amex
2× points on travel
$48/yr
≈ 2.0% in value
›
National Bank World Elite Mastercard
2× points on travel
$40/yr
≈ 1.7% in value
›
TD Aeroplan Visa Infinite
1.5× points on travel
$36/yr
≈ 1.5% in value
›
CIBC Aeroplan Visa Infinite
1.5× points on travel
$36/yr
≈ 1.5% in value
›
RBC Avion Visa Infinite
1.25× points on travel
$30/yr
≈ 1.3% in value
›
RBC Avion Visa Infinite Privilege
1.25× points on travel
$30/yr
≈ 1.3% in value
›
National Bank Platinum Mastercard
1.5× points on travel
$30/yr
≈ 1.2% in value
›
Capital One Quicksilver World Elite Mastercard
1% back on travel
$24/yr
1.0% back
›
Capital One Quicksilver World Mastercard
1% back on travel
$24/yr
1.0% back
›
BMO VIPorter Mastercard
1× points on travel
$24/yr
≈ 1.0% in value
›
Desjardins Cash Back World Elite Mastercard
1% back on travel
$24/yr
1.0% back
›
Scotiabank Gold Amex
1× points on travel
$24/yr
≈ 1.0% in value
›
RBC Cash Back Preferred World Elite
1% back on travel
$24/yr
1.0% back
›
Scotia Momentum Visa Infinite
1% back on travel
$24/yr
1.0% back
›
Tangerine Rewards World Elite Mastercard
1× points on travel
$24/yr
≈ 1.0% in value
›
BMO CashBack World Elite Mastercard
1% back on travel
$24/yr
1.0% back
›
TD Cash Back Visa Infinite
1% back on travel
$24/yr
1.0% back
›
Neo World Elite Mastercard
1% back on travel
$24/yr
1.0% back
›
RBC British Airways Visa Infinite
1× points on travel
$24/yr
≈ 1.0% in value
›
Amex Cobalt
1× points on travel
$24/yr
≈ 1.0% in value
›
TangerineMoney-Back
Tangerine Money-Back
0.5% back on travel
$12/yr
0.5% back
›
TangerineMoney-Back World Mastercard
Tangerine Money-Back World Mastercard
0.5% back on travel
$12/yr
0.5% back
›
SimpliiCash Back Visa
Simplii Cash Back Visa
0.5% back on travel
$12/yr
0.5% back
›
BMO eclipse Visa Infinite
1× points on travel
$12/yr
≈ 0.5% in value
›
Best for transit
On $1,200 a year.
BMO CashBack World Elite Mastercard
4% back on transit
$48/yr
4.0% back
›
Desjardins Cash Back World Elite Mastercard
3% back on transit
$36/yr
3.0% back
›
Scotiabank Gold Amex
3× points on transit
$36/yr
≈ 3.0% in value
›
RBC Cash Back Preferred World Elite
3% back on transit
$36/yr
3.0% back
›
TD Cash Back Visa Infinite
3% back on transit
$36/yr
3.0% back
›
BMO eclipse Visa Infinite
5× points on transit
$30/yr
≈ 2.5% in value
›
TD First Class Travel Visa Infinite
6× points on transit
$29/yr
≈ 2.4% in value
›
Rogers Red World Elite
2% back on transit
$24/yr
2.0% back
›
SimplyCash Preferred
2% back on transit
$24/yr
2.0% back
›
Scotia Momentum Visa Infinite
2% back on transit
$24/yr
2.0% back
›
Amex Cobalt
2× points on transit
$24/yr
≈ 2.0% in value
›
Scotiabank Platinum Amex
2× points on transit
$24/yr
≈ 2.0% in value
›
CIBC Aventura Visa Infinite Privilege
2× points on transit
$24/yr
≈ 2.0% in value
›
CIBC Dividend Platinum Visa
2% back on transit
$24/yr
2.0% back
›
CIBC Dividend Visa Infinite
2% back on transit
$24/yr
2.0% back
›
RBC Avion Visa Infinite Privilege
1.25× points on transit
$15/yr
≈ 1.3% in value
›
Capital One Quicksilver World Elite Mastercard
1% back on transit
$12/yr
1.0% back
›
Capital One Quicksilver World Mastercard
1% back on transit
$12/yr
1.0% back
›
RBC Avion Visa Infinite
1× points on transit
$12/yr
≈ 1.0% in value
›
Amex Aeroplan
1× points on transit
$12/yr
≈ 1.0% in value
›
Tangerine Rewards World Elite Mastercard
1× points on transit
$12/yr
≈ 1.0% in value
›
TD Aeroplan Visa Infinite
1× points on transit
$12/yr
≈ 1.0% in value
›
CIBC Aeroplan Visa Infinite
1× points on transit
$12/yr
≈ 1.0% in value
›
CIBC Aventura Visa Infinite
1× points on transit
$12/yr
≈ 1.0% in value
›
CIBC Aventura Gold Visa
1× points on transit
$12/yr
≈ 1.0% in value
›
Neo World Elite Mastercard
1% back on transit
$12/yr
1.0% back
›
RBC British Airways Visa Infinite
1× points on transit
$12/yr
≈ 1.0% in value
›
Amex Gold Rewards
1× points on transit
$12/yr
≈ 1.0% in value
›
BMO VIPorter Mastercard
1× points on transit
$10/yr
≈ 0.9% in value
›
National Bank World Elite Mastercard
1× points on transit
$10/yr
≈ 0.8% in value
›
National Bank Platinum Mastercard
0.67× points on transit
$7/yr
≈ 0.6% in value
›
TangerineMoney-Back
Tangerine Money-Back
0.5% back on transit
$6/yr
0.5% back
›
TangerineMoney-Back World Mastercard
Tangerine Money-Back World Mastercard
0.5% back on transit
$6/yr
0.5% back
›
SimpliiCash Back Visa
Simplii Cash Back Visa
0.5% back on transit
$6/yr
0.5% back
›
BMO Ascend World Elite Mastercard
1× points on transit
$6/yr
≈ 0.5% in value
›
Best for drugstore / pharmacy
On $600 a year.
Rogers Red World Elite
2% back on drugstore / pharmacy
$12/yr
2.0% back
›
SimplyCash Preferred
2% back on drugstore / pharmacy
$12/yr
2.0% back
›
Amex Gold Rewards
2× points on drugstore / pharmacy
$12/yr
≈ 2.0% in value
›
Scotiabank Platinum Amex
2× points on drugstore / pharmacy
$12/yr
≈ 2.0% in value
›
CIBC Aventura Visa Infinite
1.5× points on drugstore / pharmacy
$9/yr
≈ 1.5% in value
›
CIBC Aventura Gold Visa
1.5× points on drugstore / pharmacy
$9/yr
≈ 1.5% in value
›
SimpliiCash Back Visa
Simplii Cash Back Visa
1.5% back on drugstore / pharmacy
$8/yr
1.4% back
›
RBC Avion Visa Infinite Privilege
1.25× points on drugstore / pharmacy
$8/yr
≈ 1.3% in value
›
CIBC Aventura Visa Infinite Privilege
1.25× points on drugstore / pharmacy
$8/yr
≈ 1.3% in value
›
Capital One Quicksilver World Elite Mastercard
1% back on drugstore / pharmacy
$6/yr
1.0% back
›
Capital One Quicksilver World Mastercard
1% back on drugstore / pharmacy
$6/yr
1.0% back
›
CIBC Dividend Platinum Visa
1% back on drugstore / pharmacy
$6/yr
1.0% back
›
Desjardins Cash Back World Elite Mastercard
1% back on drugstore / pharmacy
$6/yr
1.0% back
›
RBC Avion Visa Infinite
1× points on drugstore / pharmacy
$6/yr
≈ 1.0% in value
›
Amex Aeroplan
1× points on drugstore / pharmacy
$6/yr
≈ 1.0% in value
›
Scotiabank Gold Amex
1× points on drugstore / pharmacy
$6/yr
≈ 1.0% in value
›
RBC Cash Back Preferred World Elite
1% back on drugstore / pharmacy
$6/yr
1.0% back
›
CIBC Dividend Visa Infinite
1% back on drugstore / pharmacy
$6/yr
1.0% back
›
Scotia Momentum Visa Infinite
1% back on drugstore / pharmacy
$6/yr
1.0% back
›
Tangerine Rewards World Elite Mastercard
1× points on drugstore / pharmacy
$6/yr
≈ 1.0% in value
›
TD Aeroplan Visa Infinite
1× points on drugstore / pharmacy
$6/yr
≈ 1.0% in value
›
CIBC Aeroplan Visa Infinite
1× points on drugstore / pharmacy
$6/yr
≈ 1.0% in value
›
BMO CashBack World Elite Mastercard
1% back on drugstore / pharmacy
$6/yr
1.0% back
›
TD Cash Back Visa Infinite
1% back on drugstore / pharmacy
$6/yr
1.0% back
›
Neo World Elite Mastercard
1% back on drugstore / pharmacy
$6/yr
1.0% back
›
RBC British Airways Visa Infinite
1× points on drugstore / pharmacy
$6/yr
≈ 1.0% in value
›
Amex Cobalt
1× points on drugstore / pharmacy
$6/yr
≈ 1.0% in value
›
National Bank World Elite Mastercard
1× points on drugstore / pharmacy
$5/yr
≈ 0.8% in value
›
TD First Class Travel Visa Infinite
2× points on drugstore / pharmacy
$5/yr
≈ 0.8% in value
›
National Bank Platinum Mastercard
0.67× points on drugstore / pharmacy
$3/yr
≈ 0.6% in value
›
TangerineMoney-Back
Tangerine Money-Back
0.5% back on drugstore / pharmacy
$3/yr
0.5% back
›
TangerineMoney-Back World Mastercard
Tangerine Money-Back World Mastercard
0.5% back on drugstore / pharmacy
$3/yr
0.5% back
›
BMO VIPorter Mastercard
0.5× points on drugstore / pharmacy
$3/yr
≈ 0.5% in value
›
BMO eclipse Visa Infinite
1× points on drugstore / pharmacy
$3/yr
≈ 0.5% in value
›
BMO Ascend World Elite Mastercard
1× points on drugstore / pharmacy
$3/yr
≈ 0.5% in value
›
Best for entertainment
On $600 a year.
Scotiabank Gold Amex
5× points on entertainment
$30/yr
≈ 5.0% in value
›
Desjardins Cash Back World Elite Mastercard
3% back on entertainment
$18/yr
3.0% back
›
RBC Cash Back Preferred World Elite
3% back on entertainment
$18/yr
3.0% back
›
Amex Cobalt
3× points on entertainment
$18/yr
≈ 3.0% in value
›
Rogers Red World Elite
2% back on entertainment
$12/yr
2.0% back
›
SimplyCash Preferred
2% back on entertainment
$12/yr
2.0% back
›
Scotiabank Platinum Amex
2× points on entertainment
$12/yr
≈ 2.0% in value
›
CIBC Aventura Visa Infinite Privilege
2× points on entertainment
$12/yr
≈ 2.0% in value
›
BMO Ascend World Elite Mastercard
3× points on entertainment
$9/yr
≈ 1.5% in value
›
RBC Avion Visa Infinite Privilege
1.25× points on entertainment
$8/yr
≈ 1.3% in value
›
Capital One Quicksilver World Elite Mastercard
1% back on entertainment
$6/yr
1.0% back
›
Capital One Quicksilver World Mastercard
1% back on entertainment
$6/yr
1.0% back
›
CIBC Dividend Platinum Visa
1% back on entertainment
$6/yr
1.0% back
›
RBC Avion Visa Infinite
1× points on entertainment
$6/yr
≈ 1.0% in value
›
Amex Aeroplan
1× points on entertainment
$6/yr
≈ 1.0% in value
›
CIBC Dividend Visa Infinite
1% back on entertainment
$6/yr
1.0% back
›
Scotia Momentum Visa Infinite
1% back on entertainment
$6/yr
1.0% back
›
Tangerine Rewards World Elite Mastercard
1× points on entertainment
$6/yr
≈ 1.0% in value
›
TD Aeroplan Visa Infinite
1× points on entertainment
$6/yr
≈ 1.0% in value
›
CIBC Aeroplan Visa Infinite
1× points on entertainment
$6/yr
≈ 1.0% in value
›
CIBC Aventura Visa Infinite
1× points on entertainment
$6/yr
≈ 1.0% in value
›
CIBC Aventura Gold Visa
1× points on entertainment
$6/yr
≈ 1.0% in value
›
BMO CashBack World Elite Mastercard
1% back on entertainment
$6/yr
1.0% back
›
TD Cash Back Visa Infinite
1% back on entertainment
$6/yr
1.0% back
›
Neo World Elite Mastercard
1% back on entertainment
$6/yr
1.0% back
›
RBC British Airways Visa Infinite
1× points on entertainment
$6/yr
≈ 1.0% in value
›
Amex Gold Rewards
1× points on entertainment
$6/yr
≈ 1.0% in value
›
National Bank World Elite Mastercard
1× points on entertainment
$5/yr
≈ 0.8% in value
›
TD First Class Travel Visa Infinite
2× points on entertainment
$5/yr
≈ 0.8% in value
›
National Bank Platinum Mastercard
0.67× points on entertainment
$3/yr
≈ 0.6% in value
›
TangerineMoney-Back
Tangerine Money-Back
0.5% back on entertainment
$3/yr
0.5% back
›
TangerineMoney-Back World Mastercard
Tangerine Money-Back World Mastercard
0.5% back on entertainment
$3/yr
0.5% back
›
SimpliiCash Back Visa
Simplii Cash Back Visa
0.5% back on entertainment
$3/yr
0.5% back
›
BMO VIPorter Mastercard
0.5× points on entertainment
$3/yr
≈ 0.5% in value
›
BMO eclipse Visa Infinite
1× points on entertainment
$3/yr
≈ 0.5% in value
›
Best for spending abroad
What each card nets on $20,000 of purchases in a foreign currency (euros, yen, pesos…) and on $30,000 in US dollars, after its foreign-transaction fee. Before the annual fee.
Purchases abroad earn the card's base rate (most bonus categories only count Canadian merchants). Points at their simplest redemption. Welcome offers left out. Most cards charge 2.5%, so they lose money abroad. How we worked it out →
WealthsimpleCredit Card
Wealthsimple Credit Card
No foreign-transaction fee · earns 2% abroad
+$400
on $20,000 abroad · +$600 on $30,000 USD
›
Scotiabank Platinum Amex
No foreign-transaction fee · earns 2% abroad
+$400
on $20,000 abroad · +$600 on $30,000 USD
›
Rogers Red World Legend
No foreign-transaction fee · earns 2% abroad
+$400
on $20,000 abroad · +$600 on $30,000 USD
›
Capital One Quicksilver World Elite Mastercard
No foreign-transaction fee · earns 1% abroad
+$200
on $20,000 abroad · +$300 on $30,000 USD
›
Capital One Quicksilver World Mastercard
No foreign-transaction fee · earns 1% abroad
+$200
on $20,000 abroad · +$300 on $30,000 USD
›
Scotiabank Gold Amex
No foreign-transaction fee · earns 1% abroad
+$200
on $20,000 abroad · +$300 on $30,000 USD
›
Scotiabank Passport Visa Infinite
No foreign-transaction fee · earns 1% abroad
+$200
on $20,000 abroad · +$300 on $30,000 USD
›
Scotiabank Passport Visa Infinite Privilege
No foreign-transaction fee · earns 1% abroad
+$200
on $20,000 abroad · +$300 on $30,000 USD
›
Home Trust Preferred Visa
No foreign-transaction fee · earns 0% abroad
+$0
on $20,000 abroad · +$0 on $30,000 USD
›
Rogers Red World Elite
2.5% foreign-transaction fee · earns 2% abroad, 3% in US dollars
−$100
on $20,000 abroad · +$150 on $30,000 USD
›
SimplyCash Preferred
2.5% foreign-transaction fee · earns 2% abroad
−$100
on $20,000 abroad · −$150 on $30,000 USD
›
WestJet RBC World Elite Mastercard
2.5% foreign-transaction fee · earns 1.5% abroad
−$200
on $20,000 abroad · −$300 on $30,000 USD
›
Cathay World Elite Mastercard
3% foreign-transaction fee · earns 2% abroad
−$200
on $20,000 abroad · −$300 on $30,000 USD
›
DesjardinsOdyssey Visa Infinite Privilege
Desjardins Odyssey Visa Infinite Privilege
2.5% foreign-transaction fee · earns 1.5% abroad
−$200
on $20,000 abroad · −$300 on $30,000 USD
›
Marriott Bonvoy American Express
2.5% foreign-transaction fee · earns 1.4% abroad
−$220
on $20,000 abroad · −$330 on $30,000 USD
›
RBC Avion Visa Infinite Privilege
2.5% foreign-transaction fee · earns 1.25% abroad
−$250
on $20,000 abroad · −$375 on $30,000 USD
›
CIBC Aventura Visa Infinite Privilege
2.5% foreign-transaction fee · earns 1.25% abroad
−$250
on $20,000 abroad · −$375 on $30,000 USD
›
TD Aeroplan Visa Infinite Privilege
2.5% foreign-transaction fee · earns 1.25% abroad
−$250
on $20,000 abroad · −$375 on $30,000 USD
›
CIBC Aeroplan Visa Infinite Privilege
2.5% foreign-transaction fee · earns 1.25% abroad
−$250
on $20,000 abroad · −$375 on $30,000 USD
›
Amex Aeroplan Reserve
2.5% foreign-transaction fee · earns 1.25% abroad
−$250
on $20,000 abroad · −$375 on $30,000 USD
›
Scotiabank Amex
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
PC Mastercard
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
PC World Elite Mastercard
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
CIBC Costco Mastercard
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
Triangle World Elite Mastercard
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
WestJet RBC Mastercard
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
CIBC Dividend Platinum Visa
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
Desjardins Cash Back World Elite Mastercard
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
RBC Avion Visa Infinite
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
Amex Aeroplan
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
RBC Cash Back Preferred World Elite
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
CIBC Dividend Visa Infinite
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
Scotia Momentum Visa Infinite
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
PC Insiders World Elite Mastercard
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
Tangerine Rewards World Elite Mastercard
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
TD Aeroplan Visa Infinite
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
CIBC Aeroplan Visa Infinite
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
CIBC Aventura Visa Infinite
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
CIBC Aventura Gold Visa
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
BMO CashBack World Elite Mastercard
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
TD Cash Back Visa Infinite
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
RBC British Airways Visa Infinite
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
Amex Cobalt
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
BMO VIPorter World Elite Mastercard
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
Amex Gold Rewards
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
Amex Platinum
2.5% foreign-transaction fee · earns 1% abroad
−$300
on $20,000 abroad · −$450 on $30,000 USD
›
National Bank World Elite Mastercard
2.5% foreign-transaction fee · earns 0.83% abroad
−$334
on $20,000 abroad · −$501 on $30,000 USD
›
TD First Class Travel Visa Infinite
2.5% foreign-transaction fee · earns 0.8% abroad
−$340
on $20,000 abroad · −$510 on $30,000 USD
›
CIBC Aeroplan Visa
2.5% foreign-transaction fee · earns 0.67% abroad
−$366
on $20,000 abroad · −$549 on $30,000 USD
›
National Bank Platinum Mastercard
2.5% foreign-transaction fee · earns 0.55% abroad
−$389
on $20,000 abroad · −$584 on $30,000 USD
›
RBC ION+ Visa
2.5% foreign-transaction fee · earns 0.55% abroad
−$390
on $20,000 abroad · −$585 on $30,000 USD
›
TangerineMoney-Back
Tangerine Money-Back
2.5% foreign-transaction fee · earns 0.5% abroad
−$400
on $20,000 abroad · −$600 on $30,000 USD
›
Triangle Mastercard
2.5% foreign-transaction fee · earns 0.5% abroad
−$400
on $20,000 abroad · −$600 on $30,000 USD
›
TangerineMoney-Back World Mastercard
Tangerine Money-Back World Mastercard
2.5% foreign-transaction fee · earns 0.5% abroad
−$400
on $20,000 abroad · −$600 on $30,000 USD
›
SimpliiCash Back Visa
Simplii Cash Back Visa
2.5% foreign-transaction fee · earns 0.5% abroad
−$400
on $20,000 abroad · −$600 on $30,000 USD
›
BMO VIPorter Mastercard
2.5% foreign-transaction fee · earns 0.5% abroad
−$400
on $20,000 abroad · −$600 on $30,000 USD
›
BMO eclipse Visa Infinite
2.5% foreign-transaction fee · earns 0.5% abroad
−$400
on $20,000 abroad · −$600 on $30,000 USD
›
Neo World Elite Mastercard
3% foreign-transaction fee · earns 1% abroad
−$400
on $20,000 abroad · −$600 on $30,000 USD
›
BMO Ascend World Elite Mastercard
2.5% foreign-transaction fee · earns 0.5% abroad
−$400
on $20,000 abroad · −$600 on $30,000 USD
›
BMO eclipse Visa Infinite Privilege
2.5% foreign-transaction fee · earns 0.5% abroad
−$400
on $20,000 abroad · −$600 on $30,000 USD
›
United MileagePlus Neo World Elite Mastercard
3% foreign-transaction fee · earns 0.75% abroad
−$450
on $20,000 abroad · −$675 on $30,000 USD
›
Amex 9BMO 9Brim 2Canadian Tire 2Capital One 5CIBC 12Desjardins 3Home Trust 1National Bank 4Neo 6PC Financial 3RBC 10Rogers 2Scotiabank 8Simplii 1Tangerine 3TD 7Wealthsimple 1
Amex
Amex Aeroplan
Earn up to 45,000 Aeroplan points. · Checked October 21, 2026
›
Amex Aeroplan Reserve
"Elevated offer": earn 70,000 Aeroplan points (crossed-out 60,000) after spending $7,500 in the first 3 months, plus 40,000 points (crossed-out 25,000) when you spend $2,500 in month 13. · Checked October 21, 2026
›
Amex Cobalt
"Earn up to 15,000 Membership Rewards Points" by earning 1,250 Membership Rewards points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cobalt Cardmember. "This could add up to 15,000 points in a year." · Checked October 21, 2026
›
Amex Gold Rewards
"Up to 60,000 points." Earn 60,000 Membership Rewards points by earning 5,000 MR for each monthly billing period in which you spend $1,000 on your Card in your first year. "This could add up to 60,000 points in a year." "That's up to $600 towards your next vacation." · Checked October 21, 2026
›
Amex Green
Earn 10,000 Membership Rewards points when you charge $1,000 in purchases in your first 3 months — claimed value $100 (toward groceries or concert tickets via statement credit). · Checked October 21, 2026
›
Amex Platinum
"Elevated offer: up to 130,000 points." Earn 70,000 90,000 MR after spending $10,000 in your first 3 months, plus 30,000 40,000 MR when you make a purchase between 15 and 17 months of Cardmembership. "Earn up to 130,000 points - That's up to $1,300 towards your next vacation." · Checked October 21, 2026
›
Amex SimplyCash
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in purchases = up to $100). · Checked October 21, 2026
›
Marriott Bonvoy American Express
Up to 70,000 Marriott Bonvoy points — tiered over ~13 months. · Checked October 21, 2026
›
SimplyCash Preferred
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in purchases = up to $200), plus a $50 statement credit for a purchase in month 13 — up to $250 total. · Checked October 21, 2026
›
BMO
BMO Ascend World Elite Mastercard
Up to 115,000 BMO Rewards points (tiered) + first-year $150 annual fee waived (primary + authorized users) + 4 complimentary lounge passes + NEXUS application-fee credit (~$200) + Instacart+ promo — BMO markets the bundle as "up to $1,900 in value" (struck-through $1,600 on the page). · Checked October 21, 2026
›
BMO Blue Rewards Mastercard
Earn 20,000 bonus Blue Points after spending $1,500 in net purchases within the first 110 days. · Checked October 21, 2026
›
BMO CashBack Mastercard
Earn 5% cash back in the first 3 months — up to $125. · Checked October 21, 2026
›
BMO CashBack World Elite Mastercard
Up to $480 cash back ($40/month for 12 months) + first-year $139 annual fee waived. · Checked October 21, 2026
›
BMO eclipse rise Visa
Earn 20,000 BMO Rewards points (≈ $133 travel value) when you spend $1,500 in the first 3 months — plus up to 5,000 bonus points/year for good financial habits = "up to 25,000 points" in year one. · Checked October 21, 2026
›
BMO eclipse Visa Infinite
Up to 70,000 BMO Rewards points (≈ $469 in travel value at ~0.67¢/pt) + first-year $120 annual fee waived + up to $20/month in streaming credits in year one, · Checked October 21, 2026
›
BMO eclipse Visa Infinite Privilege
Earn up to 200,000 BMO Rewards points across three spend milestones, plus Visa Airport Companion membership + 6 lounge passes, a NEXUS statement credit and a $200 statement credit — trackers market the package as "up to ~$2,300 in value." · Checked November 2, 2026
›
BMO VIPorter Mastercard
Get up to $1,800 in value including 40,000 VIPorter points, a 35% off flight voucher and the annual fees waived in the first year · Checked November 2, 2026
›
BMO VIPorter World Elite Mastercard
Get up to $2,400 in value including 70,000 VIPorter points, a round-trip companion pass, the annual fee waived in the first year, and more · Checked November 2, 2026
›
Brim
Brim Mastercard (Brim Standard)
Official site shows "Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants." This is a soft merchant-discount ceiling, not a guaranteed cash bonus — independent trackers (CreditCardGenius) list the actual cash welcome bonus as $0. · Checked October 21, 2026
›
Brim World Elite Mastercard
Official site shows the same "up to $500 in Brim points" via discounts at participating merchants — a soft merchant-offer ceiling, not a guaranteed cash bonus. Independent trackers (CreditCardGenius, Milesopedia) list the actual cash welcome bonus as $0 / none. · Checked October 21, 2026
›
Canadian Tire
Capital One
Capital One Guaranteed Mastercard
No welcome bonus. · Checked October 21, 2026
›
Capital One Guaranteed Secured Mastercard
No welcome bonus. · Checked October 21, 2026
›
Capital One Quicksilver World Elite Mastercard
"Special first-year offer: Earn unlimited 2x cash back." · Checked October 21, 2026
›
Capital One Quicksilver World Mastercard
"Special first-year offer: Earn unlimited 2x cash back." · Checked October 21, 2026
›
Capital One Smart Rewards Mastercard
No welcome bonus. · Checked October 21, 2026
›
CIBC
CIBC Adapta Mastercard
"Join and earn up to $200 in value with no annual fee." For new cards approved beginning October 1, 2026 (footnote adapta-100-value-offer, last modified September 22, 2026). No end date. · Checked October 23, 2026
›
CIBC Aeroplan Visa
Up to 10,000 Aeroplan points — "up to $200 in travel value." · Checked October 21, 2026
›
CIBC Aeroplan Visa Infinite
Up to 50,000 Aeroplan points + first-year annual fee rebate — "up to $1,300 in value." · Checked October 21, 2026
›
CIBC Aeroplan Visa Infinite Privilege
Up to 100,000 Aeroplan points — "up to $3,200 in value" · Checked October 21, 2026
›
CIBC Aventura Gold Visa
Up to 60,000 Aventura points (up to $1,200 travel value) + 4 lounge visits + 1 NEXUS rebate + first-year fee rebate — "up to $1,800 in value." · Checked October 21, 2026
›
CIBC Aventura Visa
Up to 12,500 Aventura points — "up to $125 in travel value." · Checked October 21, 2026
›
CIBC Aventura Visa Infinite
Up to 60,000 Aventura points (up to $1,200 travel value) + 4 lounge visits + 1 NEXUS rebate + first-year fee rebate — "up to $1,800 in value." · Checked October 21, 2026
›
CIBC Aventura Visa Infinite Privilege
Up to 80,000 Aventura points + $200 annual travel credit + 6 lounge visits + 2 NEXUS rebates — "up to $2,500 in value." · Checked October 21, 2026
›
CIBC Costco Mastercard
No standing sign-up cash bonus at June 14, 2026 capture. · Checked October 21, 2026
›
CIBC Dividend Platinum Visa
"Join and earn up to $300 in value including an annual fee rebate." For new cards approved beginning July 16, 2026; no end date published. Same offer footnote as the Dividend Visa Infinite. · Checked October 23, 2026
›
CIBC Dividend Visa
No standing welcome bonus at June 14, 2026 capture. · Checked October 21, 2026
›
CIBC Dividend Visa Infinite
Up to $350 in value — a 10% cash-back intro bonus + a pre-authorized-payment bonus + first-year annual fee rebate. · Checked October 21, 2026
›
Desjardins
Desjardins Cash Back World Elite Mastercard
No welcome bonus. · Checked October 23, 2026
›
DesjardinsOdyssey Visa Infinite Privilege
Desjardins Odyssey Visa Infinite Privilege
No welcome bonus. · Checked October 21, 2026
›
DesjardinsOdyssey World Elite Mastercard
Desjardins Odyssey World Elite Mastercard
No welcome bonus. · Checked October 21, 2026
›
Home Trust
National Bank
National Bank ECHO Cashback Mastercard
No welcome bonus. · Checked October 23, 2026
›
National Bank mycredit Mastercard
No welcome bonus. · Checked October 21, 2026
›
National Bank Platinum Mastercard
"You could get up to 35,000 rewards points and save on annual fees for the first year after enrollment." · Checked October 21, 2026
›
National Bank World Elite Mastercard
No welcome bonus. · Checked October 21, 2026
›
Neo
Cathay World Elite Mastercard
"Get up to 35,000 Asia Miles¹ and up to 15% off flights²" (verified October 17, 2026). · Checked October 21, 2026
›
Neo Mastercard
No welcome bonus. · Checked October 21, 2026
›
Neo Secured Mastercard
No welcome bonus. · Checked October 21, 2026
›
Neo World Elite Mastercard
No welcome bonus. · Checked October 21, 2026
›
Neo World Mastercard
No welcome bonus. · Checked October 21, 2026
›
United MileagePlus Neo World Elite Mastercard
"Up to 25,000 MileagePlus miles" (verified October 17, 2026, product page). · Checked October 21, 2026
›
PC Financial
PC Insiders World Elite Mastercard
Year-one $120 annual fee credited back, plus 50,000 PC Optimum points (about $50) when you spend $3,000 in the first 3 months; apply by December 31, 2026. · Checked October 23, 2026
›
PC Mastercard
Earn a one-time bonus of 50,000 PC Optimum points (≈ $50 at 0.1¢/pt) when you spend $100 or more at participating stores within 60 days of account approval. · Checked October 21, 2026
›
PC World Elite Mastercard
Earn a one-time bonus of 50,000 PC Optimum points (≈ $50 at 0.1¢/pt) when you spend $100 or more at participating stores within 60 days of approval. · Checked October 21, 2026
›
RBC
RBC Avion Visa Infinite
Up to 70,000 Avion points — "up to $1,500 in value." · Checked October 21, 2026
›
RBC Avion Visa Infinite Privilege
Up to 100,000 Avion points + 6 airport lounge passes — "up to $2,375 in value." · Checked October 21, 2026
›
RBC Avion Visa Platinum
Up to 70,000 Avion points — "a travel value of up to $1,500." · Checked October 21, 2026
›
RBC British Airways Visa Infinite
Receive 50,000 bonus Avios – that's enough for a one-way Reward Flight to London from all Canadian destinations · Checked October 23, 2026
›
RBC Cash Back Mastercard
Get 5% extra cash back on your first $2,000 in spend for 6 months · Checked October 21, 2026
›
RBC Cash Back Preferred World Elite
Get 15% extra cash back on your first $2,000 in spend for 3 months · Checked October 21, 2026
›
RBC ION Visa
Up to 14,000 Avion points — "up to $100 of value in gift cards." · Checked October 21, 2026
›
RBC ION+ Visa
Up to 28,000 Avion points — "up to $200 of value in gift cards." · Checked October 21, 2026
›
WestJet RBC Mastercard
Up to 15,000 WestJet points ("a value of up to $150 off travel") + a welcome round-trip companion voucher. · Checked October 21, 2026
›
WestJet RBC World Elite Mastercard
Up to 70,000 WestJet points ("a value of up to $700 off travel") + a welcome round-trip companion voucher. · Checked October 21, 2026
›
Rogers
Scotiabank
Scotia Momentum No-Fee Visa
Earn 5% cash back on the first $2,000 in eligible purchases in the first 3 months (≈$100 max bonus) + 0.99% intro interest on balance transfers for 9 months. · Checked November 2, 2026
›
Scotia Momentum Visa Infinite
Earn 15% cash back on the first $2,000 in eligible purchases in the first 3 months (≈$300 max bonus) + first-year annual fee waived. · Checked November 2, 2026
›
Scotiabank Amex
Earn up to 10,000 bonus Scene+ points — "that's up to $100 in value." · Checked November 2, 2026
›
Scotiabank Gold Amex
Earn up to 50,000 bonus Scene+ points — "up to $950 in welcome offers, first year rewards and savings value." · Checked November 2, 2026
›
Scotiabank Passport Visa Infinite
Earn up to 35,000 bonus Scene+ points — "up to $1,250 in first year welcome offers, rewards and savings." · Checked November 2, 2026
›
Scotiabank Passport Visa Infinite Privilege
Earn up to 80,000 bonus Scene+ points within your first 14 months. · Checked November 2, 2026
›
Scotiabank Platinum Amex
Earn up to $3,000 in value in the first 14 months, including up to 100,000 bonus Scene+ points. · Checked November 2, 2026
›
Scotiabank Scene+ Visa
Earn up to 5,000 bonus Scene+ points (≈$50 in indicative value) in the first 3 months. · Checked November 2, 2026
›
Simplii
Tangerine
TangerineMoney-Back
Tangerine Money-Back
Earn an extra 10% cash back for the first 2 months (up to $100) on everyday purchases. · Checked October 21, 2026
›
TangerineMoney-Back World Mastercard
Tangerine Money-Back World Mastercard
Get $120 cash back when you spend $1,500 in your first 3 months. · Checked October 21, 2026
›
Tangerine Rewards World Elite Mastercard
Get 50,000 Scene+ points ($500) when you spend $5,000 in the first 90 days; apply by January 31, 2027. · Checked October 23, 2026
›
TD
TD Aeroplan Visa Infinite
Up to 50,000 Aeroplan points + first-year annual fee rebate + extras — "up to $1,550 in value." · Checked October 21, 2026
›
TD Aeroplan Visa Infinite Privilege
Up to 100,000 Aeroplan points + additional travel benefits — "up to $3,300 in value." · Checked October 21, 2026
›
TD Aeroplan Visa Platinum
Up to 20,000 Aeroplan points + first-year annual fee rebate — "up to $500 in value." · Checked October 21, 2026
›
TD Cash Back Visa Infinite
Earn 10% cash back for the first 3 months (on up to $3,500 in purchases) + first-year annual fee rebate + a free Deluxe TD Auto Club membership — "up to $600 in total value." · Checked October 21, 2026
›
TD First Class Travel Visa Infinite
Earn up to 160,000 TD Rewards Points (≈ $800 in Expedia For TD travel) + a first-year annual-fee rebate — TD markets "up to $1,400 in value." · Checked October 24, 2026
›
TD Platinum Travel Visa
Earn up to 50,000 TD Rewards Points (≈ $250 in Expedia For TD travel) + a first-year annual-fee rebate — TD markets "up to $370 in value." · Checked October 21, 2026
›
TD Rewards Visa
Earn 15,152 TD Rewards Points (marketed as "a value of $50 on Amazon.ca") when you spend $500 within 90 days of account opening. · Checked October 21, 2026
›
Wealthsimple
What the roles mean
Spread your spending across a few cards, each where it pays most. The role says what a card does in that wallet. It is not a score: a category card can earn more than an everyday card in its area.
- Everyday card Earns well on most spending and is accepted almost everywhere (Visa or Mastercard); the card you reach for by default.
- Category card Best in one or two spending areas; pair it with an everyday card.
- Churning card Get it for the welcome bonus, then cancel or downgrade before the fee comes back.
- Niche card Worth it only for a specific need, such as a store, an airline or travel insurance.
- Skip for now Not worth applying for today; we will say when that changes.
We track 1 more card, held back until we can check it on the bank's own page.