#1Best fit
American Express Cobalt Card
American Express · $192 fee
Net value / year
$437
$629 in rewards, after the fee
Canada · 102 cards, one honest scoreboard
Stop guessing. See what each card actually pays you.
Tell us how you spend. We convert every rewards program (points, miles, cash back) into one number: dollars back per year, minus the fee.
- 102
- cards, levelled
- 16
- issuers covered
- $0
- cost to you
Your top three
Ranked by what you keep after the annual fee. 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.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Or start with a category
Same scoreboard, narrower field.
How we level the field
01
One currency
Points, miles, and cash back are converted to Canadian dollars at published redemption values, so a 5x card and a 2% card can finally be compared.
02
Your spending, not an average
Rankings run on the profile you set. Change one slider and the entire board re-sorts around you.
03
The fee is subtracted
We show net value, not gross rewards. A premium card only wins if the rewards outrun its annual fee.
