36 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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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
TD · $139 fee · 21.99% purchase rate
8 TD Rewards points per $1 booked through Expedia For TD
$458 − $139 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
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
American Express · $120 fee · 21.99% purchase rate
5x Marriott Bonvoy points per $1 at participating Marriott Bonvoy properties
$372 − $120 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
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
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
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
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
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 · $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
TD · $0 fee · 21.99% purchase rate
4 TD Rewards Points per $1 on travel booked through Expedia For TD
$133 − $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
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
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
CIBC · $139 fee · 20.99% purchase rate
2x Aventura points per $1 on eligible travel booked through the CIBC Rewards Centre
$226 − $139 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
$0 − $0 fee
BMO · $199 fee · 21.99% purchase rate
3 VIPorter points per $1 on Porter Airlines purchases
$193 − $199 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
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