Canadian credit cards, in plain numbers

≈ $864.72 a year after fees, on a typical budget

Annual fee

$155.88

Earns

American Express Membership Rewards

FX fee

2.5%

• 5×Eats & drinks *
• 3×Streaming
• 2×Gas, transit & travel
• 1×Everything else

• Points

≈ $574.80 a year after fees, on a typical budget

Annual fee

$120

Earns

Scene+

FX fee

None

• 6×Scene+ partner grocers *
• 5×Grocery, dining, food delivery & entertainment *
• 3×Gas, transit & streaming
• 1×Everything else

• No FX fee
• Points

≈ $523.20 a year after fees, on a typical budget

Annual fee

$150

Earns

National Bank À la carte Rewards

FX fee

2.5%

• 5×Grocery & restaurants *
• 2×Gas, EV charging & recurring bills
• 1×Everything else

• Points

≈ $511.32 a year after fees, on a typical budget

Annual fee

$119.88

Earns

Cash back

FX fee

2.5%

• 4%Gas & grocery *
• 2%Everything else

• Cash back

≈ $442.80 a year after fees, on a typical budget

Annual fee

$48

Earns

RBC Avion

FX fee

2.5%

• 3×Everyday categories
• 1×Everything else

• Points

≈ $441.60 a year after fees, on a typical budget

Annual fee

$120

Earns

Cash back

FX fee

2.5%

• 4%Grocery, gas & EV charging *
• 2%Dining, transit & recurring bills *
• 1%Everything else

• Cash back

≈ $428.40 a year after fees, on a typical budget

Annual fee

$120

Earns

Cash back

FX fee

2.5%

• 5%Grocery *
• 4%Transit *
• 3%Gas & EV charging *
• 1%Everything else

• Cash back

≈ $411.60 a year after fees, on a typical budget

Annual fee

$120

Earns

Cash back

FX fee

2.5%

• 4%Grocery & recurring bills *
• 2%Gas & daily transit
• 1%Everything else

• Cash back

≈ $379.28 a year after fees, on a typical budget

Annual fee

$120

Earns

BMO Rewards

FX fee

2.5%

• 5×Grocery, dining, gas & transit *
• 1×Everything else

• Points

≈ $366.00 a year after fees, on a typical budget

Annual fee

$0

Earns

Cash back

FX fee

2.5%

• 4%Canadian Tire family of stores
• 3%Grocery *
• 1%Everything else

• No annual fee
• Cash back

≈ $347.70 a year after fees, on a typical budget

Annual fee

$0

Earns

Cash back

FX fee

2.5%

• 2%Gas & grocery *
• 1.25%Everything else

• No annual fee
• Cash back

≈ $333.00 a year after fees, on a typical budget

Annual fee

$0

Earns

American Express Membership Rewards

FX fee

2.5%

• 1×Everything else

• No annual fee
• Points

≈ $333.00 a year after fees, on a typical budget

Annual fee

$0

Earns

Cash back

FX fee

2.5%

• 3%Purchases charged in US dollars
• 1.5%Everything else

• No annual fee
• Cash back

≈ $327.80 a year after fees, on a typical budget

Annual fee

$139

Earns

Cash back

FX fee

2.5%

• 3%Grocery, gas, EV charging, transit & recurring bills *
• 1%Everything else

• Cash back

≈ $308.60 a year after fees, on a typical budget

Annual fee

$139

Earns

TD Rewards

FX fee

2.5%

• 8×Expedia for TD bookings
• 6×Grocery, restaurants & food delivery
• 4×Recurring bill payments
• 2×Everything else

• Points

≈ $291.60 a year after fees, on a typical budget

Annual fee

$0

Earns

Cash back

FX fee

2.5%

• 3%Restaurants
• 3%Costco gas stations *
• 2%Other gas & EV charging *
• 1%Everything else

• No annual fee
• Cash back

≈ $287.40 a year after fees, on a typical budget

Annual fee

$0

Earns

Cash back

FX fee

2.5%

• 2%Your 2% Money-Back categories
• 0.5%Everything else

• No annual fee
• Cash back
• Pick your categories

≈ $274.20 a year after fees, on a typical budget

Annual fee

$0

Earns

RBC Avion

FX fee

2.5%

• 1.5×Everyday categories
• 1×Everything else

• No annual fee
• Points

≈ $264.20 a year after fees, on a typical budget

Annual fee

$139

Earns

Aeroplan

FX fee

2.5%

• 1.5×Gas & grocery
• 1.5×Air Canada purchases
• 1×Everything else

• Points
• Aeroplan

≈ $264.20 a year after fees, on a typical budget

Annual fee

$139

Earns

Aeroplan

FX fee

2.5%

• 1.5×Gas, EV charging & grocery
• 1.5×Air Canada purchases
• 1×Everything else

• Points
• Aeroplan

≈ $255.80 a year after fees, on a typical budget

Annual fee

$250

Earns

American Express Membership Rewards

FX fee

2.5%

• 2×Travel, gas, grocery & drugstore
• 1×Everything else

• Points

≈ $246.70 a year after fees, on a typical budget

Annual fee

$89

Earns

TD Rewards

FX fee

2.5%

• 6×Expedia for TD bookings
• 4.5×Grocery, restaurants & food delivery
• 3×Recurring bill payments
• 1.5×Everything else

• Points

≈ $235.50 a year after fees, on a typical budget

Annual fee

$120

Earns

Aeroplan

FX fee

2.5%

• 2×Air Canada purchases
• 1.5×Dining & food delivery
• 1×Everything else

• Points
• Aeroplan

≈ $223.80 a year after fees, on a typical budget

Annual fee

$0

Earns

TD Rewards

FX fee

2.5%

• 4×Expedia for TD bookings
• 3×Grocery, restaurants & food delivery
• 2×Recurring bill payments
• 1×Everything else

• No annual fee
• Points

≈ $222.00 a year after fees, on a typical budget

Annual fee

$0

Earns

Scene+

FX fee

2.5%

• 2×Scene+ partner grocers
• 1×Everything else

• No annual fee
• Points

≈ $222.00 a year after fees, on a typical budget

Annual fee

$0

Earns

Cash back

FX fee

2.5%

• 1%Everything else

• No annual fee
• Cash back

≈ $222.00 a year after fees, on a typical budget

Annual fee

$0

Earns

PC Optimum

FX fee

2.5%

• 45×Shoppers Drug Mart
• 30×Stores where PC products are sold
• 10×Everything else

• No annual fee
• Points

≈ $214.00 a year after fees, on a typical budget

Annual fee

$119

Earns

Cash back

FX fee

2.5%

• 2%WestJet purchases
• 1.5%Everything else

• Cash back

≈ $204.00 a year after fees, on a typical budget

Annual fee

$240

Earns

Cash back

FX fee

None

• 2%Everything else

• No FX fee
• Cash back

≈ $190.80 a year after fees, on a typical budget

Annual fee

$120

Earns

Marriott Bonvoy

FX fee

2.5%

• 5×Marriott hotels
• 2×Everything else

• Points

≈ $181.20 a year after fees, on a typical budget

Annual fee

$150

Earns

Scene+

FX fee

None

• 3×Scene+ partner grocers
• 2×Grocery, dining, entertainment & transit
• 1×Everything else

• No FX fee
• Points

≈ $180.44 a year after fees, on a typical budget

Annual fee

$89

Earns

Aeroplan

FX fee

2.5%

• 1×Gas & grocery
• 1×Air Canada purchases
• 0.67×Everything else

• Points
• Aeroplan

≈ $172.20 a year after fees, on a typical budget

Annual fee

$0

Earns

Cash back

FX fee

2.5%

• 1%Grocery, gas, transit & recurring bills
• 0.5%Everything else

• No annual fee
• Cash back

≈ $168.60 a year after fees, on a typical budget

Annual fee

$0

Earns

Cash back

FX fee

2.5%

• 1%Grocery, gas & recurring bills
• 0.5%Everything else

• No annual fee
• Cash back

≈ $133.40 a year after fees, on a typical budget

Annual fee

$139

Earns

CIBC Aventura

FX fee

2.5%

• 2×Travel booked through CIBC Rewards
• 1.5×Gas, EV charging, grocery & drugstore
• 1×Everything else

• Points

≈ $105.60 a year after fees, on a typical budget

Annual fee

$120

Earns

RBC Avion

FX fee

2.5%

• 1.25×Travel
• 1×Everything else

• Points

≈ $102.00 a year after fees, on a typical budget

Annual fee

$120

Earns

RBC Avion

FX fee

2.5%

• 1×Everything else

• Points

≈ −$121.50 a year after fees, on a typical budget

Annual fee

$399

Earns

RBC Avion

FX fee

2.5%

• 1.25×Everything else

• Points

≈ −$131.00 a year after fees, on a typical budget

Annual fee

$599

Earns

Aeroplan

FX fee

2.5%

• 2×Air Canada purchases
• 1.5×Gas, grocery, travel & dining
• 1.25×Everything else

• Points
• Aeroplan

≈ −$149.00 a year after fees, on a typical budget

Annual fee

$599

Earns

Aeroplan

FX fee

2.5%

• 3×Air Canada purchases
• 2×Dining & food delivery
• 1.25×Everything else

• Points
• Aeroplan

≈ −$399.40 a year after fees, on a typical budget

Annual fee

$799

Earns

American Express Membership Rewards

FX fee

2.5%

• 2×Dining & food delivery
• 2×Travel
• 1×Everything else

• Points