Card database
Every card, scored the same way.
78 Canadian cards scored with the Standard Score, each with a source URL and a last-reviewed date. The database grows weekly toward full market coverage.
How we make money & how we rank: rankings are set by the Standard Score, never by compensation. Some card links may become referral links; that never changes a card's score or position. Full disclosure.
78 of 78 cards
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Perks |
|---|---|---|---|---|---|---|
| 1 | Amex Cobalt Card American Express | 8.3/10 | $191.88 | ≈ $714 | Amex Membership Rewards | — |
| 2 | Amex Platinum Card (Canada) American Express | 8.1/10 | $799 | ≈ $2,400 | Amex Membership Rewards | Lounge |
| 3 | Amex Gold Rewards Card American Express | 7.8/10 | $250 | ≈ $1,700 | Amex Membership Rewards | Lounge |
| 4 | Amex Business Platinum Card American Express | 7.7/10 | $799 | ≈ $2,100 | Amex Membership Rewards | Lounge |
| 5 | Amex SimplyCash Preferred American Express | 7.7/10 | $119.88 | ≈ $680 | Cash back | — |
| 6 | Amex Aeroplan Reserve Card American Express | 7.7/10 | $599 | ≈ $1,710 | Aeroplan | Lounge |
| 7 | CIBC Dividend Visa Infinite CIBC | 7.5/10 | $120 | ≈ $560 | Cash back | — |
| 8 | BMO CashBack World Elite Mastercard BMO | 7.4/10 | $120 | ≈ $560 | Cash back | — |
| 9 | TD Aeroplan Visa Infinite Privilege TD | 7.4/10 | $599 | ≈ $1,186 | Aeroplan | Lounge |
| 10 | TD Aeroplan Visa Infinite TD | 7.4/10 | $139 | ≈ $880 | Aeroplan | — |
| 11 | Scotia Momentum Visa Infinite Scotiabank | 7.3/10 | $120 | ≈ $480 | Cash back | — |
| 12 | Amex Marriott Bonvoy Card American Express | 7.3/10 | $120 | ≈ $420 | Marriott Bonvoy | — |
| 13 | TD Cash Back Visa Infinite TD | 7.3/10 | $139 | ≈ $500 | Cash back | — |
| 14 | Scotiabank Gold American Express Scotiabank | 7.2/10 | $120 | ≈ $620 | Scene+ | No FX |
| 15 | RBC Avion Visa Infinite RBC | 7.2/10 | $120 | ≈ $1,000 | RBC Avion | — |
| 16 | Scotiabank Passport Visa Infinite Scotiabank | 7.2/10 | $150 | ≈ $850 | Scene+ | No FXLounge |
| 17 | Rogers Red World Elite Mastercard Rogers Bank | 7.1/10 | None | ≈ $360 | Cash back | — |
| 18 | WestJet RBC World Elite Mastercard RBC | 7.0/10 | $139 | ≈ $460 | WestJet dollars | — |
| 19 | Amex Aeroplan Card American Express | 6.8/10 | $120 | ≈ $615 | Aeroplan | — |
| 20 | Scotiabank Passport Visa Infinite Privilege Scotiabank | 6.8/10 | $599 | ≈ $550 | Scene+ | No FXLounge |
| 21 | Scotiabank Platinum American Express Scotiabank | 6.8/10 | $399 | ≈ $400 | Scene+ | No FXLounge |
| 22 | MBNA Rewards World Elite Mastercard MBNA | 6.7/10 | $120 | ≈ $400 | MBNA Rewards | — |
| 23 | Wealthsimple Visa Infinite+ Card Wealthsimple | 6.7/10 | $240 | ≈ $360 | Cash back | No FX |
| 24 | RBC British Airways Visa Infinite RBC | 6.7/10 | $165 | ≈ $855 | Avios | — |
| 25 | National Bank World Elite Mastercard National Bank | 6.7/10 | $150 | ≈ $550 | National Bank Rewards | Lounge |
| 26 | BMO Ascend World Elite Mastercard BMO | 6.7/10 | $150 | ≈ $820 | BMO Rewards | Lounge |
| 27 | RBC Avion Visa Infinite Privilege RBC | 6.7/10 | $399 | ≈ $480 | RBC Avion | Lounge |
| 28 | CIBC Aventura Visa Infinite CIBC | 6.6/10 | $139 | ≈ $460 | Aventura | Lounge |
| 29 | TD First Class Travel Visa Infinite TD | 6.6/10 | $139 | ≈ $730 | TD Rewards | — |
| 30 | RBC Visa Business Platinum Avion RBC | 6.6/10 | $120 | ≈ $460 | RBC Avion | — |
| 31 | Wealthsimple Visa Infinite Privilege Card Wealthsimple | 6.6/10 | $240 | ≈ $360 | Cash back | No FXLounge |
| 32 | BMO Eclipse Visa Infinite BMO | 6.5/10 | $120 | ≈ $590 | BMO Rewards | — |
| 33 | Tangerine Money-Back Credit Card Tangerine | 6.3/10 | None | ≈ $340 | Cash back | — |
| 34 | BMO VIPorter World Elite Mastercard BMO | 6.3/10 | $199 | ≈ $700 | VIPorter | — |
| 35 | BMO CashBack Mastercard BMO | 6.3/10 | None | ≈ $340 | Cash back | — |
| 36 | Simplii Financial Cash Back Visa Card Simplii Financial | 6.2/10 | None | ≈ $420 | Cash back | — |
| 37 | Amex Business Edge Card American Express | 6.2/10 | None | ≈ $260 | Amex Membership Rewards | — |
| 38 | Desjardins Odyssey Visa Infinite Privilege Desjardins | 6.2/10 | $395 | ≈ $450 | Desjardins BONUSDOLLARS | Lounge |
| 39 | CIBC Aventura Visa Infinite Privilege CIBC | 6.1/10 | $499 | ≈ $550 | Aventura | Lounge |
| 40 | BMO Blue Rewards World Elite Mastercard BMO | 6.1/10 | $150 | ≈ $700 | BMO Blue Rewards | — |
| 41 | Tangerine Rewards World Elite Mastercard Tangerine | 5.9/10 | $120 | ≈ $380 | Scene+ | Lounge |
| 42 | RBC ION+ Visa RBC | 5.8/10 | $48 | ≈ $508 | RBC Avion | — |
| 43 | TD Business Travel Visa Card TD | 5.8/10 | $89 | ≈ $300 | TD Rewards | — |
| 44 | PC Financial World Elite Mastercard PC Financial | 5.8/10 | None | ≈ $90 | PC Optimum | — |
| 45 | Amazon.ca Rewards Mastercard MBNA | 5.6/10 | None | ≈ $300 | Cash back | — |
| 46 | CIBC Costco Mastercard CIBC | 5.6/10 | None | ≈ $260 | Cash back | — |
| 47 | Scotiabank Scene+ Visa Card Scotiabank | 5.5/10 | None | ≈ $130 | Scene+ | — |
| 48 | Triangle World Elite Mastercard Canadian Tire | 5.5/10 | None | ≈ $250 | CT Money | — |
| 49 | Neo World Elite Mastercard Neo Financial | 5.5/10 | $149 | ≈ $220 | Cash back | Lounge |
| 50 | American Express SimplyCash Card American Express | 5.5/10 | None | ≈ $180 | Cash back | — |
| 51 | TD Aeroplan Visa Platinum Card TD | 5.5/10 | $89 | ≈ $460 | Aeroplan | — |
| 52 | National Bank Platinum Mastercard National Bank | 5.5/10 | $70 | ≈ $390 | National Bank Rewards | — |
| 53 | Home Trust Preferred Visa Home Trust | 5.5/10 | None | ≈ $180 | Cash back | No FX |
| 54 | RBC ION Visa RBC | 5.5/10 | None | ≈ $260 | RBC Avion | — |
| 55 | Desjardins Odyssey World Elite Mastercard Desjardins | 5.3/10 | $130 | ≈ $260 | Desjardins BONUSDOLLARS | Lounge |
| 56 | Neo World Mastercard Neo Financial | 5.3/10 | None | ≈ $140 | Cash back | — |
| 57 | Scotiabank Scene+ Visa Card for Students Scotiabank | 5.3/10 | None | ≈ $80 | Scene+ | — |
| 58 | BMO SPC CashBack Mastercard for Students BMO | 5.2/10 | None | ≈ $90 | Cash back | — |
| 59 | Brim World Elite Mastercard Brim Financial | 5.2/10 | $89 | ≈ $150 | Brim Rewards | — |
| 60 | CIBC Dividend Visa Card CIBC | 5.1/10 | None | ≈ $120 | Cash back | — |
| 61 | PC Insiders World Elite Mastercard PC Financial | 5.0/10 | $120 | ≈ $150 | PC Optimum | — |
| 62 | Desjardins Odyssey Gold Visa Desjardins | 4.9/10 | $110 | ≈ $180 | Desjardins BONUSDOLLARS | — |
| 63 | CIBC Aeroplan Visa Card CIBC | 4.8/10 | None | ≈ $270 | Aeroplan | — |
| 64 | American Express Green Card American Express | 4.8/10 | None | ≈ $260 | Amex Membership Rewards | — |
| 65 | CIBC Aventura Visa Card CIBC | 4.7/10 | None | ≈ $190 | CIBC Aventura | — |
| 66 | Triangle Mastercard Canadian Tire | 4.7/10 | None | ≈ $150 | CT Money | — |
| 67 | National Bank ECHO Cashback Mastercard National Bank | 4.5/10 | $30 | ≈ $80 | Cash back | — |
| 68 | National Bank mycredit Mastercard National Bank | 4.5/10 | None | ≈ $70 | Cash back | — |
| 69 | Scotia Momentum Mastercard Scotiabank | 4.3/10 | None | ≈ $90 | Cash back | — |
| 70 | MBNA True Line Mastercard MBNA | 3.6/10 | None | ≈ $0 | None (low-rate card, no rewards program) | — |
| 71 | MBNA True Line Gold Mastercard MBNA | 3.5/10 | $39 | ≈ -$39 | None (low-rate card, no rewards program) | — |
| 72 | Desjardins Flexi Visa Desjardins | 3.5/10 | None | ≈ $0 | None (low-rate card, no rewards program) | — |
| 73 | BMO Preferred Rate Mastercard BMO | 3.3/10 | $29 | ≈ $0 | None (low-rate card, no rewards program) | — |
| 74 | Scotiabank Value Visa Scotiabank | 3.3/10 | $29 | ≈ $0 | None (low-rate card, no rewards program) | — |
| 75 | National Bank Allure Mastercard National Bank | 3.3/10 | None | ≈ $50 | National Bank Rewards | — |
| 76 | CIBC Select Visa CIBC | 3.2/10 | $29 | ≈ $0 | None (low-rate card, no rewards program) | — |
| 77 | National Bank Syncro Mastercard National Bank | 3.2/10 | $35 | ≈ $70 | None (low-rate card, no rewards program) | — |
| 78 | National Bank MC1 Mastercard National Bank | 2.3/10 | None | ≈ $20 | None (no rewards program) | — |