Stop comparing 100 cards. Find the one that fits you!
Plain-language guides to credit card rewards in Canada. Learn how cash back and points really work, then pick the one card that fits how you spend. No 30-card tables.
Start hereNew to rewards?
How cash back and points work, and how to choose your first card, in about 10 minutes.
Cash back or points?
We run the numbers for three household budgets to see which pays more.
Free calculators
Run your own numbers
Six simple tools. Each one answers a single question, in Canadian dollars.
¢RewardsPoints valueWhat your points are worth on a real booking.Open calculator →$RewardsAnnual feeDoes a fee card pay for itself on your spending?Open calculator →FXRewardsForeign transaction feeWhat the fee costs you on US and travel purchases.Open calculator →%DebtCredit card interestInterest per month and how long it takes to pay off.Open calculator →minDebtMinimum paymentHow long minimum payments really take, and what they cost.Open calculator →↓DebtDebt repaymentAvalanche vs. snowball across several debts.Open calculator →
See all calculators →
Where to start
Pick your situation
Choose the question closest to yours.
I’m new to credit card rewardsThe basics, the one rule that matters, and how to pick a first card.→
Should I get cash back or points?A side-by-side comparison at three spending levels.→
What are my points worth?Use our calculator to turn any booking or balance into dollars.→
I travel or shop in US dollarsHow foreign transaction fees work and how to avoid them.→
Best cards by spending
Find the card for your biggest bills
Ranked by what each card leaves you with after its annual fee.
4%back on gas and EV chargingGas and EVBest cards for gas in CanadaIncludes Costco gas, no-fee picks and station rewards.Top pick: CIBC Dividend Visa InfiniteSee the ranking →4%back on recurring billsBillsBest cards for phone, internet and billsWhat counts as a recurring bill, and what doesn’t.Top pick: Scotia Momentum Visa InfiniteSee the ranking →
Best grocery credit cards
Up to 6x points at the grocery store→Best no-fee credit cards
Cash back and points with no annual fee→Best travel credit cards
No foreign fees, lounges and free bags→Credit card reviews
Porter, Simplii, Rogers, Amex Bonvoy and more→Where Amex works in Canada
Grocery stores, Costco, Walmart and more→How we rate cards
Three household budgets, one method, no paid rankings→
Up to 6x points at the grocery store→Best no-fee credit cards
Cash back and points with no annual fee→Best travel credit cards
No foreign fees, lounges and free bags→Credit card reviews
Porter, Simplii, Rogers, Amex Bonvoy and more→Where Amex works in Canada
Grocery stores, Costco, Walmart and more→How we rate cards
Three household budgets, one method, no paid rankings→
Points value
What are your points worth?
The same balance can be worth twice as much depending on how you redeem it. See yours in dollars.
Value per point
Our October 2026 values, by redemption
CIBC Aventura, long-haul flight at max priceup to 3.2¢RBC Avion, flights on RBC’s scheduleup to 2¢RBC Avion, any travel1¢WestJet points, base fare1¢TD Rewards, Expedia For TD0.5¢TD Rewards, everyday purchases0.25¢Avion values are for Avion Elite cards. Aventura is the best case, at the chart maximum. See each page for how we got them.
Learn the language
Key terms, explained simply
Rewards cards come with their own jargon. Start with the terms people ask about most.
IndependentNot owned by a bank or card issuer.
No paid rankingsPartners never decide what we recommend. How we make money
Dated and checkedEach guide shows when its rates were last checked.