Card reviews
Every card, scored the same way.
107 Canadian cards scored with the Standard Score, each with a source URL and a last-reviewed date, spanning every major Canadian issuer.
The roster
- Cards scored
- 107
- Issuers covered
- 20
Every row below is verified against the issuer’s own page and carries the date it was last checked. The newest verification on the site is Oct 4, 2026.
How the score is builtSearch and filter every reviewed card
107 of 107 cards
| # | Card | Standard Score | Annual fee | First-year net value | Top earn rate | Perks & watch-outs |
|---|---|---|---|---|---|---|
| 1 | Amex Platinum Card (Canada) American ExpressAmex Membership Rewards | 7.8/10 | $799 | ≈ $1,330 | 2xDining and food delivery | Lounge access |
| 2 | Amex Cobalt Card American ExpressAmex Membership Rewards | 7.7/10 | $191.88 | ≈ $699 | 5xEats & drinks | — |
| 3 | Amex Gold Rewards Card American ExpressAmex Membership Rewards | 7.5/10 | $250 | ≈ $1,040 | 2xTravel | Lounge access5 coverages |
| 4 | BMO CashBack World Elite Mastercard BMOCash back | 7.4/10 | $139 | ≈ $740 | 5%Groceries | Fee waived yr 15 coveragesMin. $80k income |
| 5 | CIBC Dividend Visa Infinite CIBCCash back | 7.3/10 | $120 | ≈ $590 | 4%Groceries and gas/EV… | Fee waived yr 1Min. $60k income |
| 5 | TD Aeroplan Visa Infinite Privilege TDAeroplan | 7.3/10 | $599 | ≈ $921 | 2xAir Canada purchases | Lounge accessMin. $150k income |
| 7 | Amex Marriott Bonvoy Card American ExpressMarriott Bonvoy | 7.2/10 | $120 | ≈ $528 | 5xMarriott properties | — |
| 7 | Amex SimplyCash Preferred American ExpressCash back | 7.2/10 | $119.88 | ≈ $480 | 4%Gas and groceries | 5 coverages |
| 7 | RBC Avion Visa Infinite RBCRBC Avion | 7.2/10 | $120 | ≈ $840 | 1.25xTravel | 5 coveragesMin. $60k income |
| 7 | Scotiabank Gold American Express ScotiabankScene+ | 7.2/10 | $120 | ≈ $620 | 6xGroceries at Sobeys… | No FX feesMin. $12k income |
| 7 | Scotiabank Passport Visa Infinite + ScotiabankScene+ | 7.2/10 | $150 | ≈ $450 | 2-3xGroceries | No FX feesLounge accessMin. $60k income |
| 12 | Amex Business Platinum Card American ExpressAmex Membership Rewards | 7.1/10 | $799 | ≈ $1,077 | 1.25xon everything | Lounge access |
| 12 | TD Cash Back Visa Infinite TDCash back | 7.1/10 | $139 | ≈ $500 | 3%Gas, groceries & more | Fee waived yr 1Min. $60k income |
| 14 | CIBC Aeroplan Visa Infinite CIBCAeroplan | 7.0/10 | $139 | ≈ $615 | 1.5xGas, EV charging & more | Fee waived yr 15 coveragesMin. $60k income |
| 14 | Scotia Momentum Visa Infinite ScotiabankCash back | 7.0/10 | $120 | ≈ $480 | 4%Groceries and recurring… | Fee waived yr 15 coveragesMin. $60k income |
| 16 | Amex Aeroplan Reserve Card American ExpressAeroplan | 6.9/10 | $599 | ≈ $719 | 3xAir Canada and Air Canada… | Lounge access |
| 16 | TD Aeroplan Visa Infinite TDAeroplan | 6.9/10 | $139 | ≈ $515 | 1.5xGas, groceries & more | Fee waived yr 1Min. $60k income |
| 18 | Amex Aeroplan Business Reserve Card American ExpressAeroplan | 6.8/10 | $599 | ≈ $636 | 3xAir Canada and Air Canada… | Lounge access |
| 18 | Amex Business Gold Rewards Card American ExpressAmex Membership Rewards | 6.8/10 | $199 | ≈ $1,701 | 1xon everything | 5 coverages |
| 18 | CIBC Aeroplan Visa Infinite Privilege CIBCAeroplan | 6.8/10 | $599 | ≈ $945 | 2xAir Canada and Air Canada… | Lounge access5 coveragesMin. $150k income |
| 18 | CIBC Aventura Visa Infinite CIBCCIBC Aventura | 6.8/10 | $139 | ≈ $817 | 2xTravel booked through the… | Lounge accessFee waived yr 15 coveragesMin. $60k income |
| 18 | RBC Avion Visa Infinite Privilege RBCRBC Avion | 6.8/10 | $399 | ≈ $581 | 1.25xTravel | Lounge access5 coveragesMin. $200k income |
| 18 | Wealthsimple Visa Infinite+ Card WealthsimpleCash back | 6.8/10 | $240 | ≈ $660 | 2%on everything | No FX fees5 coveragesMin. $80k income |
| 18 | WestJet RBC World Elite Mastercard RBCWestJet points | 6.8/10 | $139 | ≈ $460 | 2xWestJet purchases | Min. $80k income |
| 25 | MBNA Rewards World Elite Mastercard MBNAMBNA Rewards | 6.7/10 | $120 | ≈ $400 | 5xRestaurants, groceries &… | 5 coveragesMin. $80k income |
| 25 | RBC Visa Business Platinum Avion RBCRBC Avion | 6.7/10 | $120 | ≈ $660 | 1xAll business purchases | Fee waived yr 1 |
| 25 | Rogers Red World Elite Mastercard Rogers BankCash back | 6.7/10 | None | ≈ $285 | 3%USD purchases | Min. $80k income |
| 25 | Wealthsimple Visa Infinite Privilege Card WealthsimpleCash back | 6.7/10 | $240 | ≈ $660 | 2%on everything | No FX feesLounge access6 coveragesMin. $150k income |
| 29 | Amex Aeroplan Card American ExpressAeroplan | 6.5/10 | $120 | ≈ $545 | 2xAir Canada and Air Canada… | — |
| 29 | BMO eclipse Visa Infinite Privilege BMOBMO Rewards | 6.5/10 | $599 | ≈ $819 | 5xTravel, groceries & more | Lounge access5 coveragesMin. $150k income |
| 29 | RBC British Airways Visa Infinite RBCBritish Airways Avios | 6.5/10 | $165 | ≈ $715 | 3xBritish Airways purchases | Min. $60k income |
| 29 | RBC Cash Back Preferred World Elite Mastercard RBCCash back | 6.5/10 | $120 | ≈ $500 | 3%Groceries, dining and… | 7 coveragesMin. $80k income |
| 29 | RBC ION+ Visa RBCRBC Avion | 6.5/10 | $48 | ≈ $490 | 3xGroceries, dining & more | — |
| 29 | Scotiabank Passport Visa Infinite Privilege ScotiabankScene+ | 6.5/10 | $599 | ≈ $550 | 6xHotels and car rentals… | No FX feesLounge access7 coveragesMin. $150k income |
| 29 | Scotiabank Platinum American Express ScotiabankScene+ | 6.5/10 | $399 | ≈ $400 | 2xon everything | No FX feesLounge accessMin. $12k income |
| 36 | BMO Ascend World Elite Mastercard BMOBMO Rewards | 6.4/10 | $150 | ≈ $586 | 5xTravel | Lounge accessFee waived yr 1Min. $80k income |
| 36 | BMO Eclipse Visa Infinite BMOBMO Rewards | 6.4/10 | $120 | ≈ $456 | 5xGroceries, dining & more | Fee waived yr 1Min. $60k income |
| 36 | Desjardins Cash Back World Elite Mastercard DesjardinsCash back | 6.4/10 | $100 | ≈ $320 | 4%Groceries | 7 coveragesMin. $80k income |
| 36 | Simplii Financial Cash Back Visa Card Simplii FinancialCash back | 6.4/10 | None | ≈ $340 | 4%Restaurants, bars & more | Min. $15k household |
| 40 | Tangerine Money-Back Credit Card TangerineCash back | 6.3/10 | None | ≈ $340 | 2%Two chosen categories | Min. $12k income |
| 40 | United MileagePlus Neo World Elite Mastercard Neo FinancialUnited MileagePlus | 6.3/10 | $89 | ≈ $425 | 1.25xUnited and participating… | 5 coveragesMin. $80k income |
| 42 | Desjardins Odyssey Visa Infinite Privilege DesjardinsDesjardins BONUSDOLLARS | 6.2/10 | $395 | ≈ $450 | 4%Restaurants, entertainment… | Lounge access7 coveragesMin. $150k income |
| 42 | TD Business Travel Visa Card TDTD Rewards | 6.2/10 | $149 | ≈ $1,314 | 9xTravel booked through… | Fee waived yr 1 |
| 42 | TD First Class Travel Visa Infinite TDTD Rewards | 6.2/10 | $139 | ≈ $800 | 8xTravel via Expedia for TD | Fee waived yr 1Min. $60k income |
| 45 | Amex Marriott Bonvoy Business Card American ExpressMarriott Bonvoy | 6.1/10 | $150 | ≈ $570 | 5xMarriott Bonvoy properties | 5 coverages |
| 45 | National Bank World Elite Mastercard National BankNational Bank Rewards | 6.1/10 | $150 | ≈ $150 | 5xGroceries and restaurants | Lounge access8 coveragesMin. $80k income |
| 47 | BMO Blue Rewards World Elite Mastercard BMOBMO Blue Rewards | 6.0/10 | $150 | ≈ $466 | 10xBlue Rewards partner… | Fee waived yr 1Min. $80k income |
| 47 | BMO VIPorter World Elite Mastercard BMOVIPorter | 6.0/10 | $199 | ≈ $400 | 3xPorter Airlines purchases | Fee waived yr 1Min. $80k income |
| 47 | CIBC Aventura Visa Infinite Privilege CIBCCIBC Aventura | 6.0/10 | $499 | ≈ $517 | 3xTravel booked through the… | Lounge access5 coveragesMin. $150k income |
| 47 | Tangerine Rewards World Elite Mastercard TangerineScene+ | 6.0/10 | $120 | ≈ $580 | 1.5xThree chosen accelerator… | Lounge accessMin. $80k income |
| 51 | Cathay World Elite Mastercard Neo FinancialAsia Miles | 5.8/10 | $180 | ≈ $435 | 4xCathay Pacific bookings | 8 coveragesMin. $80k income |
| 51 | PC Financial World Elite Mastercard PC FinancialPC Optimum | 5.8/10 | None | ≈ $120 | 4.5%Shoppers Drug Mart and… | Min. $80k income |
| 53 | BMO CashBack Mastercard for Students BMOCash back | 5.7/10 | None | ≈ $150 | 3%Groceries | — |
| 54 | Amazon.ca Rewards Mastercard MBNACash back | 5.6/10 | None | ≈ $300 | 2.5%Amazon.ca and Whole Foods | — |
| 54 | American Express SimplyCash Card American ExpressCash back | 5.6/10 | None | ≈ $180 | 2%Gas and groceries | — |
| 54 | BMO CashBack Mastercard BMOCash back | 5.6/10 | None | ≈ $138 | 3%Groceries | — |
| 54 | TD Platinum Travel Visa Card TDTD Rewards | 5.6/10 | $89 | ≈ $330 | 6xTravel booked through… | Fee waived yr 110 coverages |
| 58 | Home Trust Preferred Visa Home TrustCash back | 5.5/10 | None | ≈ $180 | 1%on everything | No FX feesMin. $15k income |
| 58 | National Bank Platinum Mastercard National BankNational Bank Rewards | 5.5/10 | $70 | ≈ $390 | 2xGroceries and restaurants | Fee waived yr 1 |
| 58 | RBC ION Visa RBCRBC Avion | 5.5/10 | None | ≈ $260 | 1.5xGroceries, gas & more | — |
| 58 | Rogers Red Mastercard Rogers BankCash back | 5.5/10 | None | ≈ $150 | 2%Everything, with an… | — |
| 58 | Rogers Red World Mastercard Rogers BankCash back | 5.5/10 | None | ≈ $150 | 2%Everything, with an… | Min. $50k income |
| 58 | TD Aeroplan Visa Platinum Card TDAeroplan | 5.5/10 | $89 | ≈ $420 | 1xGas, EV charging & more | Fee waived yr 1 |
| 58 | Triangle World Elite Mastercard Canadian TireCT Money | 5.5/10 | None | ≈ $250 | 4%Canadian Tire, Sport Chek… | Min. $80k income |
| 65 | CIBC Costco Mastercard CIBCCash back | 5.4/10 | None | ≈ $160 | 3%Restaurants and Costco gas | Min. $15k income |
| 65 | CIBC Dividend Visa Card CIBCCash back | 5.4/10 | None | ≈ $120 | 2%Groceries | Min. $15k household |
| 65 | Neo World Elite Mastercard Neo FinancialCash back | 5.4/10 | $149 | ≈ $220 | 3-5%Gas & Grocery plan… | Min. $80k income |
| 65 | Scotiabank Scene+ Visa Card ScotiabankScene+ | 5.4/10 | None | ≈ $130 | 2xGroceries, dining & more | — |
| 69 | Desjardins Odyssey World Elite Mastercard DesjardinsDesjardins BONUSDOLLARS | 5.3/10 | $130 | ≈ $260 | up to 3%Groceries | Lounge access7 coveragesMin. $80k income |
| 69 | Scotia Momentum Visa Card ScotiabankCash back | 5.3/10 | $49 | ≈ $250 | 2%Groceries, food delivery… | Min. $12k income |
| 69 | Scotiabank Scene+ Visa Card for Students ScotiabankScene+ | 5.3/10 | None | ≈ $105 | 2xGroceries, dining & more | — |
| 72 | American Express Green Card American ExpressAmex Membership Rewards | 5.2/10 | None | ≈ $260 | 1xon everything | — |
| 72 | Brim World Elite Mastercard Brim FinancialBrim Rewards | 5.2/10 | $89 | ≈ $150 | 1%on everything | 5 coveragesMin. $80k income |
| 72 | Neo World Mastercard Neo FinancialCash back | 5.2/10 | None | ≈ $140 | 2%Gas & Grocery plan… | Min. $50k income |
| 72 | PC World Mastercard PC FinancialPC Optimum | 5.2/10 | None | ≈ $100 | 3.5%Shoppers Drug Mart and… | Min. $50k income |
| 72 | RBC Cash Back Mastercard RBCCash back | 5.2/10 | None | ≈ $210 | 2%Groceries | — |
| 72 | Scotiabank American Express Card ScotiabankScene+ | 5.2/10 | None | ≈ $180 | 3xEmpire grocery banners… | Min. $12k income |
| 78 | PC Insiders World Elite Mastercard PC FinancialPC Optimum | 5.0/10 | $120 | ≈ $200 | 5%Shoppers Drug Mart and… | Fee waived yr 1Min. $80k income |
| 79 | Rogers Red World Legend Mastercard Rogers BankCash back | 4.9/10 | $495 | ≈ $5 | 2%Everything, globally &… | No FX feesLounge access8 coveragesMin. $150k income |
| 80 | CIBC Aeroplan Visa Card CIBCAeroplan | 4.8/10 | None | ≈ $155 | 1x per $1Gas, EV charging & more | Min. $15k household |
| 80 | MBNA Rewards Platinum Plus Mastercard MBNAMBNA Rewards | 4.8/10 | None | ≈ $120 | 2xRestaurants, groceries &… | — |
| 80 | TD Rewards Visa Card TDTD Rewards | 4.8/10 | None | ≈ $126 | 4xTravel booked through… | — |
| 80 | Triangle Mastercard Canadian TireCT Money | 4.8/10 | None | ≈ $150 | 4%Canadian Tire, Sport Chek… | — |
| 84 | CIBC Aventura Visa Card CIBCCIBC Aventura | 4.7/10 | None | ≈ $190 | 1x per $1Gas, EV charging & more | Min. $15k household |
| 84 | Desjardins Cash Back Mastercard DesjardinsCash back | 4.7/10 | None | ≈ $130 | 2%Restaurants and… | 6 coverages |
| 84 | Desjardins Cash Back Visa DesjardinsCash back | 4.7/10 | None | ≈ $130 | 2%Restaurants and… | 6 coverages |
| 84 | Desjardins Odyssey Gold Visa DesjardinsDesjardins BONUSDOLLARS | 4.7/10 | $110 | ≈ $70 | 2%Restaurants and… | — |
| 84 | MBNA Smart Cash Platinum Plus Mastercard MBNACash back | 4.7/10 | None | ≈ $160 | 2%Gas and groceries | — |
| 89 | National Bank ECHO Cashback Mastercard National BankCash back | 4.5/10 | $30 | ≈ $80 | 1.5%Gas, groceries & more | — |
| 89 | National Bank mycredit Mastercard National BankCash back | 4.5/10 | None | ≈ $70 | 1%Restaurants and recurring… | — |
| 91 | PC Mastercard PC FinancialPC Optimum | 4.4/10 | None | ≈ $80 | 2.5%Shoppers Drug Mart and… | — |
| 92 | Desjardins Bonus Visa DesjardinsDesjardins BONUSDOLLARS | 4.3/10 | None | ≈ $130 | 2%Restaurants and… | 6 coverages |
| 92 | Scotia Momentum Mastercard ScotiabankCash back | 4.3/10 | None | ≈ $90 | 1%Gas stations, grocery… | — |
| 94 | Secured Neo Mastercard Neo FinancialCash back | 4.0/10 | None | ≈ $0 | 1%Gas, EV charging & more | — |
| 94 | Walmart Rewards Mastercard Walmart RewardsWalmart Reward Dollars | 4.0/10 | None | ≈ $80 | 3%Walmart: in-store… | — |
| 96 | Walmart Rewards World Mastercard Walmart RewardsWalmart Reward Dollars | 3.9/10 | None | ≈ $85 | 3%Walmart: in-store… | — |
| 97 | Desjardins Flexi Visa DesjardinsNone (no rewards) | 3.5/10 | None | ≈ $0 | — | — |
| 97 | MBNA True Line Gold Mastercard MBNANone (no rewards) | 3.5/10 | $39 | ≈ -$39 | — | — |
| 97 | MBNA True Line Mastercard MBNANone (no rewards) | 3.5/10 | None | ≈ $0 | — | — |
| 100 | Capital One Guaranteed Secured Mastercard Capital OneNone (no rewards) | 3.4/10 | None | ≈ $0 | — | 6 coverages |
| 100 | National Bank Syncro Mastercard National BankNone (no rewards) | 3.4/10 | $35 | ≈ $70 | — | Fee waived yr 1 |
| 102 | National Bank Allure Mastercard National BankNational Bank Rewards | 3.3/10 | None | ≈ $50 | up to 0.5%on everything | — |
| 103 | BMO Preferred Rate Mastercard BMONone (no rewards) | 3.2/10 | $29 | ≈ $0 | — | Fee waived yr 1 |
| 103 | Home Trust Secured Visa Home TrustNone (no rewards) | 3.2/10 | None | ≈ $0 | — | — |
| 105 | CIBC Select Visa CIBCNone (no rewards) | 3.1/10 | $29 | ≈ $0 | — | Fee waived yr 1Min. $15k household |
| 105 | Scotiabank Value Visa ScotiabankNone (no rewards) | 3.1/10 | $29 | ≈ $0 | — | Fee waived yr 1 |
| 107 | National Bank MC1 Mastercard National BankNone (no rewards) | 2.4/10 | None | ≈ $20 | — | — |
20 issuers
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