45 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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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
Scotiabank · $0 fee · 21.99% purchase rate
3x Scene+ points per $1 at Sobeys, Safeway, FreshCo, Foodland and IGA
$313 − $0 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
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
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 · $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
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
$181 − $0 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
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 · $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
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
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
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
$0 − $0 fee
$0 − $0 fee
$0 − $0 fee
$0 − $0 fee
$0 − $0 fee