102 cards · based on $16,920/yr
Net value = estimated annual rewards at published redemption values, minus the annual fee. Category caps, welcome bonuses, and insurance benefits are excluded. Estimates only. Confirm terms with the issuer.
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American Express · $192 fee · 21.99% purchase rate
5x Membership Rewards points on eligible eats & drinks in Canada incl. groceries and food delivery (up to $2,500/month)
$629 − $192 fee
Scotiabank · $120 fee · 21.99% purchase rate
6x Scene+ points per $1 at participating grocers (Sobeys, Safeway, FreshCo, Foodland, IGA and other Empire banners)
$556 − $120 fee
MBNA (TD) · $120 fee · 21.99% purchase rate
5 points per $1 on eligible restaurant, grocery, digital media, membership and household utility purchases (up to $50,000 annually per category)
$461 − $120 fee
Rogers Bank · $0 fee · 21.99% purchase rate
2% cash back on U.S. dollar purchases
$338 − $0 fee
Rogers Bank · $0 fee · 20.99% purchase rate
1% cash back on all eligible purchases (2% for customers with an eligible Rogers, Fido, Shaw or Comwave service)
$338 − $0 fee
Rogers Bank · $0 fee · 21.99% purchase rate
3% cash back on U.S. dollar purchases
$338 − $0 fee
Neo Financial · $149 fee · 19.99% purchase rate
5% cashback on groceries, 4% on recurring payments, 3% on gas/EV charging, 1% on everything else (monthly category caps apply)
$469 − $149 fee
TD · $139 fee · 21.99% purchase rate
8 TD Rewards points per $1 booked through Expedia For TD
$458 − $139 fee
Scotiabank · $0 fee · 21.99% purchase rate
3x Scene+ points per $1 at Sobeys, Safeway, FreshCo, Foodland and IGA
$313 − $0 fee
BMO · $139 fee · 21.99% purchase rate
5% cash back on groceries (up to $500 per statement period)
$443 − $139 fee
CIBC · $120 fee · 21.99% purchase rate
4% cash back on eligible gas, EV charging and groceries
$422 − $120 fee
Scotiabank · $120 fee · 20.99% purchase rate
4% cash back on groceries and recurring bill payments (up to $25,000 annual spend)
$410 − $120 fee
Desjardins · $100 fee · 20.90% purchase rate
Up to 4% cash back on groceries (first $10,000/year), 3% on restaurants (first $6,000/year), 3% on entertainment and alternative transportation, and 1% on all other purchases
$376 − $100 fee
BMO · $120 fee · 21.99% purchase rate
5 BMO Rewards points per $1 on groceries, dining, gas and transit
$374 − $120 fee
RBC · $0 fee · 20.99% purchase rate
5 More Rewards points per $1 at over 700 grocery, pharmacy and partner locations (Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Pharmasave and others)
$254 − $0 fee
CIBC · $0 fee · 21.99% purchase rate
1 Aeroplan point per $1 on eligible gas, EV charging, groceries and Air Canada purchases made directly
$254 − $0 fee
CIBC · $0 fee · 21.75% purchase rate
3% cash back at restaurants and Costco gas stations
$253 − $0 fee
American Express · $120 fee · 21.99% purchase rate
5x Marriott Bonvoy points per $1 at participating Marriott Bonvoy properties
$372 − $120 fee
Canadian Tire Bank · $0 fee · 21.99% purchase rate
4% back in CT Money at Canadian Tire, Sport Chek, Mark's/L'Equipeur, Atmosphere, Party City, Pro Hockey Life and participating Sports Experts
$247 − $0 fee
BMO · $0 fee · 21.99% purchase rate
5 BMO Rewards points per $2 (2.5 pts/$1) on groceries, dining/takeout and recurring bill payments
$242 − $0 fee
Scotiabank · $0 fee · 21.99% purchase rate
2x Scene+ points per $1 at Sobeys, Safeway, FreshCo, Foodland, participating IGA and co-ops, Home Hardware and Cineplex
$241 − $0 fee
Simplii Financial · $0 fee · 21.99% purchase rate
4% cash back at eligible restaurants and bars (first $5,000 per year)
$241 − $0 fee
Neo Financial · $0 fee · 19.99% purchase rate
Choose a plan: Gas & Grocery 2% on gas/EV charging, groceries and recurring payments ($1,000/mo cap per category, $500/mo on recurring)
$220 − $0 fee
Tangerine · $0 fee · 20.95% purchase rate
2% Money-Back in 2 chosen categories (3rd category unlocked when Money-Back is deposited to a Tangerine Savings Account)
$220 − $0 fee
American Express · $120 fee · 21.99% purchase rate
4% cash back at stand-alone gas stations and stand-alone grocery stores in Canada (4% categories capped at $1,200 cash back annually, then 2%)
$338 − $120 fee
BMO · $0 fee · 21.99% purchase rate
3% cash back on groceries (first $500 per statement period)
$217 − $0 fee
American Express · $0 fee · 21.99% purchase rate
2% cash back at stand-alone gas stations and stand-alone grocery stores in Canada (2% categories capped at $300 cash back annually, then 1.25%)
$212 − $0 fee
RBC · $48 fee · 20.99% purchase rate
3 Avion points per $1 on groceries, gas, dining, food delivery, rideshare and streaming
$259 − $48 fee
American Express · $120 fee · 30.00% purchase rate
2x Aeroplan points per $1 on eligible purchases made directly with Air Canada
$330 − $120 fee
TD · $139 fee · 21.99% purchase rate
3% cash back on grocery, gas, EV charging, public transit, recurring bills and streaming/gaming/media purchases (capped at $15,000 annual spend per category)
$349 − $139 fee
Scotiabank · $49 fee · 20.99% purchase rate
2% cash back on groceries, gas, EV charging, transit, food delivery, drugstores and recurring bills (up to $25,000 annual spend)
$259 − $49 fee
RBC · $0 fee · 20.99% purchase rate
2 Moi points per $1 at participating Metro, Super C, Jean Coutu, Brunet and Premiere Moisson stores (when the Moi card is also scanned) and on dining, gas and EV charging
$207 − $0 fee
American Express · $0 fee · 21.99% purchase rate
1x Membership Rewards point per $1 on all purchases
$203 − $0 fee
Desjardins · $130 fee · 20.90% purchase rate
Up to 3% in BONUSDOLLARS on groceries (first $10,000/year) and restaurants (first $6,000/year), 2% on travel, entertainment and alternative transportation, and 1% on all other purchases
$332 − $130 fee
MBNA (TD) · $39 fee · 21.99% purchase rate
5% cash back on gas and groceries for the first 6 months (on up to $500 in those purchases per month), then 2% on gas and groceries (up to $500 per month)
$235 − $39 fee
Tangerine · $0 fee · 20.95% purchase rate
2% Money-Back in 2 chosen categories (3rd category when Money-Back is deposited into a Tangerine Savings Account)
$184 − $0 fee
MBNA (TD) · $0 fee · 21.99% purchase rate
5% cash back on gas and groceries for the first 6 months (on up to $500 in those purchases per month), then 2% on gas and groceries (up to $500 per month)
$184 − $0 fee
TD · $139 fee · 21.99% purchase rate
1.5 Aeroplan points per $1 on eligible gas, EV charging, grocery and Air Canada purchases
$321 − $139 fee
$181 − $0 fee
CIBC · $139 fee · 21.99% purchase rate
1.5 Aeroplan points per $1 on gas, EV charging, groceries and Air Canada purchases (and at participating Hyatt hotels)
$312 − $139 fee
Scotiabank · $150 fee · 20.99% purchase rate
3 Scene+ points per $1 at Sobeys, Safeway, IGA, Foodland, FreshCo and other participating grocers
$320 − $150 fee
Home Trust · $0 fee · 21.99% purchase rate
1% cash back on every eligible purchase in Canada with no cap
$169 − $0 fee
MBNA (TD) · $0 fee · 21.74% purchase rate
Amazon Prime members: 2.5% back at Amazon.ca and Whole Foods Market Canada and 2.5% on foreign-currency purchases
$169 − $0 fee
Desjardins · $0 fee · 20.90% purchase rate
Up to 2% of purchases in BONUSDOLLARS on restaurants and pre-authorized payments (first $3,600/year combined), then 0.5% on all other purchases
$167 − $0 fee
Desjardins · $0 fee · 20.90% purchase rate
Up to 2% cash back in BONUSDOLLARS on restaurants and pre-authorized payments (first $3,600/year combined), 2% on entertainment and alternative transportation, and 0.5% on all other purchases
$167 − $0 fee
Desjardins · $0 fee · 20.90% purchase rate
Up to 2% cash back in BONUSDOLLARS on restaurants and pre-authorized payments (first $3,600/year combined), 2% on entertainment and alternative transportation, and 0.5% on all other purchases
$167 − $0 fee
TD · $89 fee · 21.99% purchase rate
1 Aeroplan point per $1 on eligible gas, EV charging, grocery and Air Canada purchases (up to $80,000 in annual spend)
$254 − $89 fee
BMO · $150 fee · 21.99% purchase rate
5 BMO Rewards points per $1 on eligible travel
$308 − $150 fee
RBC · $139 fee · 20.99% purchase rate
2 WestJet points per $1 on WestJet flights and vacations, groceries and transportation (gas, EV charging, transit, rideshare)
$296 − $139 fee
RBC · $0 fee · 20.99% purchase rate
2% cash back on the first $6,000 in annual grocery purchases (1% thereafter)
$157 − $0 fee
RBC · $0 fee · 20.99% purchase rate
8 More Rewards points per $1 at 700+ More Rewards partner locations
$156 − $0 fee
RBC · $99 fee · 20.99% purchase rate
1.5% cash back on the first $25,000 in qualifying annual purchases and 1% thereafter
$254 − $99 fee
RBC · $39 fee · 20.99% purchase rate
1.5 WestJet points per $1 on WestJet flights, WestJet Vacations, Sunwing Vacations, restaurants and digital services
$187 − $39 fee
RBC · $0 fee · 20.99% purchase rate
1.5 Avion points per $1 on groceries, gas, EV charging, transit, rideshare, streaming and digital gaming
$146 − $0 fee
TD · $0 fee · 21.99% purchase rate
4 TD Rewards Points per $1 on travel booked through Expedia For TD
$133 − $0 fee
MBNA (TD) · $0 fee · 21.99% purchase rate
4 points per $1 on eligible restaurant, grocery, digital media, membership and household utility purchases for the first 90 days, then 2 points per $1 (up to $10,000 annually per category)
$133 − $0 fee
Scotiabank · $0 fee · 20.99% purchase rate
1% cash back on groceries, gas, EV charging, transit, food delivery, drugstores, recurring bills and eligible subscriptions (up to $15,000 annual spend)
$130 − $0 fee
TD · $0 fee · 21.99% purchase rate
1% cash back on groceries, gas, EV charging, public transit, recurring bills and streaming/digital media (each category capped at $5,000 in annual net purchases)
$130 − $0 fee
CIBC · $139 fee · 21.99% purchase rate
2 Aventura points per $1 on travel booked through the CIBC Rewards Centre
$266 − $139 fee
BMO · $0 fee · 21.99% purchase rate
5 Blue Points per $1 at Blue Rewards Partners (up to $500/month, marketed as 10x the base rate)
$127 − $0 fee
Desjardins · $295 fee · 11.90% purchase rate
Up to 4% in BONUSDOLLARS on restaurants and entertainment, 3-4% on groceries and alternative transportation, up to 3% on travel (first $25,000/year), and 1.5% on other purchases
$422 − $295 fee
Canadian Tire Bank · $0 fee · 21.99% purchase rate
4% back in CT Money at Canadian Tire, Sport Chek, Mark's/L'Equipeur, Atmosphere, Party City, Pro Hockey Life and participating Sports Experts
$124 − $0 fee
Neo Financial · $0 fee · 19.99% purchase rate
1% cashback on gas/EV charging and groceries
$118 − $0 fee
Neo Financial · $0 fee · 19.99% purchase rate
1% cashback on gas/EV charging and groceries (up to $500/month per category)
$118 − $0 fee
CIBC · $0 fee · 21.99% purchase rate
1 Aventura point per $1 at gas stations, EV charging, groceries and drug stores
$117 − $0 fee
CIBC · $0 fee · 21.99% purchase rate
1.5 Adapta Points per $1 in your top 3 spending categories each month
$113 − $0 fee
Desjardins · $110 fee · 20.90% purchase rate
Up to 2% in BONUSDOLLARS on restaurants and pre-authorized payments, up to 2% on travel (first $15,000/year), and 0.65% on all other purchases
$201 − $110 fee
CIBC · $139 fee · 20.99% purchase rate
2x Aventura points per $1 on eligible travel booked through the CIBC Rewards Centre
$226 − $139 fee
Vancity · $0 fee · 19.50% purchase rate
1 Vancity Rewards point per $2 spent on all purchases
$85 − $0 fee
Brim Financial · $0 fee · 19.99% purchase rate
1 point per $2 spent (0.5% base return) plus up to 30% back in points through Brim Open Rewards at participating merchants
$85 − $0 fee
CIBC · $99 fee · 21.99% purchase rate
3% cash back on eligible gas, EV charging and groceries
$181 − $99 fee
Brim Financial · $89 fee · 19.99% purchase rate
1 point per $1 spent plus up to 30% back in points through Brim Open Rewards at participating merchants
$169 − $89 fee
American Express · $250 fee · 21.99% purchase rate
2x Membership Rewards points per $1 on eligible travel, groceries, gas stations and drugstore purchases in Canada
$325 − $250 fee
Neo Financial · $89 fee · 19.99% purchase rate
1.25 miles per $1 on United Airlines and Star Alliance flights
$151 − $89 fee
TD · $89 fee · 21.99% purchase rate
6 TD Rewards Points per $1 on travel booked through Expedia For TD
$145 − $89 fee
RBC · $120 fee · 20.99% purchase rate
1.25 Avion points per $1 on travel purchases and 1 point per $1 on all other eligible purchases
$172 − $120 fee
RBC · $120 fee · 20.99% purchase rate
1 Avion point per $1 spent on all eligible purchases
$169 − $120 fee
Vancity · $120 fee · 19.50% purchase rate
10 points per $1 at select local businesses
$169 − $120 fee
Vancity · $50 fee · 11.25% purchase rate
1 Vancity Rewards point per $2 spent on all purchases
$85 − $50 fee
BMO · $150 fee · 21.99% purchase rate
10 Blue Points per $1 at Blue Rewards Partners (up to $1,000/month)
$181 − $150 fee
$0 − $0 fee
$0 − $0 fee
$0 − $0 fee
$0 − $0 fee
$0 − $0 fee
BMO · $199 fee · 21.99% purchase rate
3 VIPorter points per $1 on Porter Airlines purchases
$193 − $199 fee
$0 − $20 fee
$0 − $29 fee
$0 − $29 fee
$0 − $29 fee
$0 − $39 fee
Scotiabank · $399 fee · 9.99% purchase rate
2x Scene+ points per $1 on all eligible purchases
$338 − $399 fee
RBC · $399 fee · 20.99% purchase rate
1.25 Avion points per $1 on all qualifying purchases
$326 − $399 fee
BMO · $499 fee · 21.99% purchase rate
5 BMO Rewards points per $1 on groceries, dining in and out, drugstore purchases, gas and travel
$374 − $499 fee
Rogers Bank · $495 fee · 21.99% purchase rate
2% cash back globally with no foreign exchange fees (0% FX markup)
$338 − $495 fee
RBC · $165 fee · 20.50% purchase rate
3 Avios per $1 on British Airways purchases, 2 Avios per $1 on dining and food delivery, 1 Avios per $1 on all other purchases
$0 − $165 fee
CIBC · $499 fee · 20.99% purchase rate
3x Aventura points per $1 on eligible travel booked through the CIBC Rewards Centre
$305 − $499 fee
American Express · $599 fee · 21.99% purchase rate
3x Aeroplan points per $1 on eligible purchases made directly with Air Canada
$376 − $599 fee
CIBC · $599 fee · 21.99% purchase rate
2 Aeroplan points per $1 on Air Canada purchases made directly
$357 − $599 fee
TD · $599 fee · 21.99% purchase rate
2 Aeroplan points per $1 on Air Canada and Hyatt purchases
$351 − $599 fee
American Express · $799 fee · 21.99% purchase rate
2x Membership Rewards points on eligible dining and food delivery in Canada
$275 − $799 fee
