106 Canadian credit cards, compared plainly
The picks we’d give a friend, and the math behind every one.
No sign-up106 plain-English reviewsRankings aren’t for sale
What do you spend the most on?
Here’s what you get with the American Express Cobalt.
Our best overall pick
Earn 5x points on groceries, restaurants, cafés and food delivery.
Membership Rewards60,000
points a year on $1,000 a month of food spend.¹
Aeroplan1:1
Move points to Aeroplan at full value.
Where it falls short
5x stops after $2,500 of food spend a month, and Amex isn’t accepted at Costco.
$15.99 a month · No income requirement
Here’s what you get with the Scotia Momentum Visa Infinite +.
Our best cashback pick
4% back on groceries and recurring bills. 2% on gas, EV charging, transit and delivery.
$576
back a year on $1,200 a month of groceries and bills.²
$25K
of spend a year at 4% before it drops to 1%.
Where it falls short
Each bonus tier is capped at $25,000 a year, and you’ll need $60K personal or $100K household income.
$120 a year · $60K personal or $100K household
Here’s what you get with the Scotiabank Passport Visa Infinite +.
Our pick for spending abroad
No foreign transaction fees, plus six airport lounge passes every year.
$0
in foreign transaction fees on purchases abroad.
6
airport lounge passes a year.
Where it falls short
Outside its bonus categories, you earn 1 point per dollar.
$150 a year · $60K personal or $100K household
Here’s what you get with the American Express Platinum.
Our premium travel pick
Unlimited Amex Centurion Lounge access, plus Priority Pass and Plaza Premium.
Yearly credits$400
in travel and dining credits every year, $200 each.
Gold
status with Marriott Bonvoy and Hilton Honors.
Where it falls short
The $799 fee only pays off if you actually use the credits and the lounges.
$799 a year · No income requirement
Apply opens the issuer’s site. We aren’t paid for these links.
Best overall
$191.88 a year
Best cashback
$120 a year
Best premium travel
$799 a year
Best for travel abroad
$150 a year
2 cards · Getting started
One card for food, one Aeroplan card for everything else. The simplest way to start earning flights.
Combined annual fees
$330.88
3 cards · Air Canada flyers
Lounge access almost everywhere you fly, and the fastest way to build an Aeroplan balance.
Combined annual fees
$1,589.88
3 cards · WestJet flyers
The yearly companion voucher, plus strong everyday earn, all from one bank.
Combined annual fees
$586.00
4 cards · Frequent travellers
Premium perks across both major Canadian airlines, for people who fly often enough to use them.
Combined annual fees
$1,728.88
Filter all 106 Canadian cards. Counts update as you go, so you never hit a dead end.
106 cards
American Express · Amex
$120 a year|Income None
2x Aeroplan pts on Air Canada, 1.5x on dining & food delivery
Review
American Express · Amex
$599 a year|Income None
3x Aeroplan pts on Air Canada, 2x on dining & food delivery
Review
American Express · Amex
$599 a year|Income None
3x Aeroplan pts on Air Canada, 2x on hotels & car rentals
ReviewAmerican Express · Amex
$191.88 a year|Income None
5x pts on food & dining, 3x on streaming
Review
American Express · Amex
$25 a year|Income None
Low interest rate on purchases
Review
American Express · Amex
$199 a year|Income None
1 MR pt per $1 on all purchases
Review
American Express · Amex
$250 a year|Income None
2x pts on gas, groceries, drugstores & travel
Review
American Express · Amex
$0 a year|Income None
No annual fee
Review
American Express · Amex
$120 a year|Income None
5x pts at Marriott properties
ReviewOne-on-one advice
Book a private session. We’ll go through your spending and the cards you hold, then send you a written plan you can act on.
Review
Your spending, the cards you already hold, and where you want to go.
Plan
Which cards to keep, cancel or apply for next, and in what order.
Write-up
A written plan within 3 business days of your call, so nothing gets lost.
$99· 45-minute video call
No payment until we’ve agreed on a time.
106 cards from 12 Canadian issuers, each with a plain-English review.
1. Based on $1,000 a month in eligible Canadian food and dining purchases at 5x, below the $2,500 monthly cap.
2. Based on $1,200 a month in groceries and recurring bills at 4%, within the $25,000 annual cap.
We check card details against each issuer’s own website, but offers change. Confirm terms with the issuer before you apply. We aren’t currently paid for any card listed on this site, and rankings aren’t for sale.
