Calculator
Which card pays you the most?
Type what you spend in a month. Every card on the site is ranked by the dollars it pays you in a year, after the annual fee. Nothing you type leaves your browser.
What you spend in a month
Total: $2,500 a month, $30,000 a year
Points counted at their simplest redemption, like a statement credit or gift card. What points are worth →
Pays you the most
Scotiabank Gold Amex
$888a year
after the $120 annual fee
Year one with the welcome bonus: $1,388, if you reach the bonus spend
Every card, for your spending
1. Scotiabank Gold Amex
$888 a year · $1,388 year one
2. SimplyCash Preferred
$732 a year · $932 year one
3. Neo World Elite Mastercard
$703 a year
4. Amex Cobalt
$666 a year · $816 year one
5. CIBC Dividend Visa Infinite
$651 a year · $1,021 year one
6. Scotiabank Amex
$642 a year · $742 year one
7. Scotia Momentum Visa Infinite
$618 a year · $1,038 year one
8. Rogers Red World Elite
$600 a year
9. National Bank World Elite Mastercard
$592 a year
10. Desjardins Cash Back World Elite Mastercard
$584 a year
Based on each card's earn rates, caps and annual fee as checked on the bank's own page. Insurance, lounges and travel credits aren't counted; the card pages list them.