22 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
Scotiabank · $0 fee · 21.99% purchase rate
3x Scene+ points per $1 at Sobeys, Safeway, FreshCo, Foodland and IGA
$313 − $0 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
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
RBC · $48 fee · 20.99% purchase rate
3 Avion points per $1 on groceries, gas, dining, food delivery, rideshare and streaming
$259 − $48 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
RBC · $0 fee · 20.99% purchase rate
8 More Rewards points per $1 at 700+ More Rewards partner locations
$156 − $0 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
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
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 · $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
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
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
Vancity · $120 fee · 19.50% purchase rate
10 points per $1 at select local businesses
$169 − $120 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
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