Published October 17, 2026 · Updated October 25, 2026 · By the Best Canadian Credit Cards Editorial Team
Our card reviews look closely at one card at a time, using the issuer’s own rates and terms, with a calculator so you can see what the card earns on your spending. Our shortlists rank the best cards for one type of spending. Pick a page below, or read how we rate cards.
Where to start: pick by what you need
No fee2% where you spend most: the Tangerine Money-Back cards pay 2% in up to 3 categories you pick, with no annual fee.
RogersHave Rogers, Fido or Shaw? the Rogers Red World Elite pays 2% on everything, up to $61,000 a year, with no fee. It needs $80,000 personal or $150,000 household income.
GroceriesShop at Loblaw stores? the PC World Elite earns 3% at Loblaw stores and 4.5% at Shoppers Drug Mart, with no fee.
DiningEat out a lot? the Simplii Cash Back Visa earns 4% at restaurants and bars on the first $5,000 a year, with no fee.
AbroadSpend in U.S. dollars? the Home Trust Preferred Visa has no foreign transaction fee and no annual fee.
2% flatBank with Wealthsimple? the Wealthsimple credit card pays 2% on everything with no foreign fee. The $240 fee is waived with $100,000 there or $4,000 a month in direct deposits.
Canadian TireShop at Canadian Tire? both Triangle Mastercards earn 4% there with no fee.
WestJetFly WestJet? the WestJet RBC World Elite gives a free first checked bag for you and up to 8 guests, plus a yearly companion voucher, for $139.
TravelFly Porter or stay at Marriott? see the Porter card for free checked bags, or the Amex Bonvoy card for a yearly free night.
Tip: Every review has a calculator, so you can check what a card earns on your own spending before you apply.
Card reviews10
In-depth looks at one card or card family: fees, earn rates, caps, perks and insurance, each with a calculator for your own spending.
We check every fee, earn rate, cap and perk on the issuer’s own website and documents, then work out what the card is worth after fees for typical spending. Our full method is on the How we rate cards page.
Do card issuers pay to be reviewed?
No. No issuer pays to be reviewed or ranked, and partners never decide what we recommend.
How often are reviews updated?
We recheck reviews when issuers change their cards and at least every few months. Each page shows when it was last updated under the title.
How we checked: Each review and shortlist cites the issuer pages and documents it was checked against. The quick picks above come from those pages. More reviews are added as we publish them. This page is general information, not financial advice.
