Card reviews
Every card, scored the same way.
98 Canadian cards scored with the Standard Score, each with a source URL and a last-reviewed date, spanning every major Canadian issuer.
98 of 98 cards
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Perks |
|---|---|---|---|---|---|---|
| 1 | Amex Cobalt Card American Express | 7.7/10 | $191.88 | ≈ $699 | Amex Membership Rewards | — |
| 2 | Amex Platinum Card (Canada) American Express | 7.6/10 | $799 | ≈ $1,130 | Amex Membership Rewards | Lounge |
| 3 | Amex Gold Rewards Card American Express | 7.5/10 | $250 | ≈ $1,040 | Amex Membership Rewards | Lounge |
| 4 | BMO CashBack World Elite Mastercard BMO | 7.4/10 | $139 | ≈ $740 | Cash back | — |
| 4 | TD Aeroplan Visa Infinite Privilege TD | 7.4/10 | $599 | ≈ $1,016 | Aeroplan | Lounge |
| 6 | CIBC Dividend Visa Infinite CIBC | 7.3/10 | $120 | ≈ $590 | Cash back | — |
| 6 | Scotiabank Passport Visa Infinite Scotiabank | 7.3/10 | $150 | ≈ $700 | Scene+ | No FXLounge |
| 8 | Amex Marriott Bonvoy Card American Express | 7.2/10 | $120 | ≈ $474 | Marriott Bonvoy | — |
| 8 | Amex SimplyCash Preferred American Express | 7.2/10 | $119.88 | ≈ $480 | Cash back | — |
| 8 | RBC Avion Visa Infinite RBC | 7.2/10 | $120 | ≈ $840 | RBC Avion | — |
| 8 | Scotiabank Gold American Express Scotiabank | 7.2/10 | $120 | ≈ $620 | Scene+ | No FX |
| 12 | Amex Business Platinum Card American Express | 7.1/10 | $799 | ≈ $1,077 | Amex Membership Rewards | Lounge |
| 12 | TD Cash Back Visa Infinite TD | 7.1/10 | $139 | ≈ $500 | Cash back | — |
| 14 | CIBC Aeroplan Visa Infinite CIBC | 7.0/10 | $139 | ≈ $615 | Aeroplan | — |
| 14 | Scotia Momentum Visa Infinite Scotiabank | 7.0/10 | $120 | ≈ $480 | Cash back | — |
| 16 | Amex Aeroplan Reserve Card American Express | 6.9/10 | $599 | ≈ $719 | Aeroplan | Lounge |
| 16 | TD Aeroplan Visa Infinite TD | 6.9/10 | $139 | ≈ $515 | Aeroplan | — |
| 18 | Amex Aeroplan Business Reserve Card American Express | 6.8/10 | $599 | ≈ $636 | Aeroplan | Lounge |
| 18 | Amex Business Gold Rewards Card American Express | 6.8/10 | $199 | ≈ $1,701 | Amex Membership Rewards | — |
| 18 | CIBC Aeroplan Visa Infinite Privilege CIBC | 6.8/10 | $599 | ≈ $945 | Aeroplan | Lounge |
| 18 | RBC Avion Visa Infinite Privilege RBC | 6.8/10 | $399 | ≈ $481 | RBC Avion | Lounge |
| 18 | WestJet RBC World Elite Mastercard RBC | 6.8/10 | $139 | ≈ $460 | WestJet points | — |
| 23 | MBNA Rewards World Elite Mastercard MBNA | 6.7/10 | $120 | ≈ $400 | MBNA Rewards | — |
| 23 | RBC Visa Business Platinum Avion RBC | 6.7/10 | $120 | ≈ $660 | RBC Avion | — |
| 23 | Rogers Red World Elite Mastercard Rogers Bank | 6.7/10 | None | ≈ $285 | Cash back | — |
| 23 | Wealthsimple Visa Infinite+ Card Wealthsimple | 6.7/10 | $240 | ≈ $360 | Cash back | No FX |
| 27 | RBC British Airways Visa Infinite RBC | 6.6/10 | $165 | ≈ $875 | British Airways Avios | — |
| 27 | Wealthsimple Visa Infinite Privilege Card Wealthsimple | 6.6/10 | $240 | ≈ $360 | Cash back | No FXLounge |
| 29 | Amex Aeroplan Card American Express | 6.5/10 | $120 | ≈ $545 | Aeroplan | — |
| 29 | CIBC Aventura Visa Infinite CIBC | 6.5/10 | $139 | ≈ $478 | CIBC Aventura | Lounge |
| 29 | Scotiabank Passport Visa Infinite Privilege Scotiabank | 6.5/10 | $599 | ≈ $550 | Scene+ | No FXLounge |
| 29 | Scotiabank Platinum American Express Scotiabank | 6.5/10 | $399 | ≈ $400 | Scene+ | No FXLounge |
| 33 | BMO Ascend World Elite Mastercard BMO | 6.4/10 | $150 | ≈ $720 | BMO Rewards | Lounge |
| 33 | BMO Eclipse Visa Infinite BMO | 6.4/10 | $120 | ≈ $590 | BMO Rewards | — |
| 33 | Simplii Financial Cash Back Visa Card Simplii Financial | 6.4/10 | None | ≈ $340 | Cash back | — |
| 36 | BMO VIPorter World Elite Mastercard BMO | 6.3/10 | $199 | ≈ $700 | VIPorter | — |
| 36 | Tangerine Money-Back Credit Card Tangerine | 6.3/10 | None | ≈ $340 | Cash back | — |
| 38 | Cathay World Elite Mastercard Neo Financial | 6.2/10 | $180 | ≈ $810 | Asia Miles | — |
| 38 | Desjardins Odyssey Visa Infinite Privilege Desjardins | 6.2/10 | $395 | ≈ $450 | Desjardins BONUSDOLLARS | Lounge |
| 40 | Amex Marriott Bonvoy Business Card American Express | 6.1/10 | $150 | ≈ $570 | Marriott Bonvoy | — |
| 40 | BMO Blue Rewards World Elite Mastercard BMO | 6.1/10 | $150 | ≈ $700 | BMO Blue Rewards | — |
| 40 | National Bank World Elite Mastercard National Bank | 6.1/10 | $150 | ≈ $150 | National Bank Rewards | Lounge |
| 40 | TD Business Travel Visa Card TD | 6.1/10 | $149 | ≈ $1,039 | TD Rewards | — |
| 44 | CIBC Aventura Visa Infinite Privilege CIBC | 6.0/10 | $499 | ≈ $517 | CIBC Aventura | Lounge |
| 44 | TD First Class Travel Visa Infinite TD | 6.0/10 | $139 | ≈ $730 | TD Rewards | — |
| 46 | Tangerine Rewards World Elite Mastercard Tangerine | 5.9/10 | $120 | ≈ $380 | Scene+ | Lounge |
| 47 | BMO CashBack Mastercard BMO | 5.8/10 | None | ≈ $140 | Cash back | — |
| 47 | PC Financial World Elite Mastercard PC Financial | 5.8/10 | None | ≈ $90 | PC Optimum | — |
| 47 | RBC ION+ Visa RBC | 5.8/10 | $48 | ≈ $396 | RBC Avion | — |
| 50 | BMO CashBack Mastercard for Students BMO | 5.7/10 | None | ≈ $150 | Cash back | — |
| 50 | RBC Cash Back Preferred World Elite Mastercard RBC | 5.7/10 | $99 | ≈ $300 | Cash back | — |
| 52 | Amazon.ca Rewards Mastercard MBNA | 5.6/10 | None | ≈ $300 | Cash back | — |
| 52 | American Express SimplyCash Card American Express | 5.6/10 | None | ≈ $180 | Cash back | — |
| 52 | TD Platinum Travel Visa Card TD | 5.6/10 | $89 | ≈ $330 | TD Rewards | — |
| 55 | Home Trust Preferred Visa Home Trust | 5.5/10 | None | ≈ $180 | Cash back | No FX |
| 55 | National Bank Platinum Mastercard National Bank | 5.5/10 | $70 | ≈ $390 | National Bank Rewards | — |
| 55 | RBC ION Visa RBC | 5.5/10 | None | ≈ $260 | RBC Avion | — |
| 55 | Rogers Red Mastercard Rogers Bank | 5.5/10 | None | ≈ $150 | Cash back | — |
| 55 | TD Aeroplan Visa Platinum Card TD | 5.5/10 | $89 | ≈ $420 | Aeroplan | — |
| 55 | Triangle World Elite Mastercard Canadian Tire | 5.5/10 | None | ≈ $250 | CT Money | — |
| 61 | CIBC Costco Mastercard CIBC | 5.4/10 | None | ≈ $160 | Cash back | — |
| 61 | CIBC Dividend Visa Card CIBC | 5.4/10 | None | ≈ $120 | Cash back | — |
| 61 | Neo World Elite Mastercard Neo Financial | 5.4/10 | $149 | ≈ $220 | Cash back | — |
| 61 | Scotiabank Scene+ Visa Card Scotiabank | 5.4/10 | None | ≈ $130 | Scene+ | — |
| 65 | Desjardins Odyssey World Elite Mastercard Desjardins | 5.3/10 | $130 | ≈ $260 | Desjardins BONUSDOLLARS | Lounge |
| 65 | Scotia Momentum Visa Card Scotiabank | 5.3/10 | $49 | ≈ $250 | Cash back | — |
| 65 | Scotiabank Scene+ Visa Card for Students Scotiabank | 5.3/10 | None | ≈ $105 | Scene+ | — |
| 68 | American Express Green Card American Express | 5.2/10 | None | ≈ $260 | Amex Membership Rewards | — |
| 68 | Brim World Elite Mastercard Brim Financial | 5.2/10 | $89 | ≈ $150 | Brim Rewards | — |
| 68 | Neo World Mastercard Neo Financial | 5.2/10 | None | ≈ $140 | Cash back | — |
| 68 | Scotiabank American Express Card Scotiabank | 5.2/10 | None | ≈ $180 | Scene+ | — |
| 72 | PC Insiders World Elite Mastercard PC Financial | 5.0/10 | $120 | ≈ $150 | PC Optimum | — |
| 72 | TD Rewards Visa Card TD | 5.0/10 | None | ≈ $200 | TD Rewards | — |
| 74 | RBC Cash Back Mastercard RBC | 4.9/10 | None | ≈ $150 | Cash back | — |
| 74 | Rogers Red World Legend Mastercard Rogers Bank | 4.9/10 | $495 | ≈ $5 | Cash back | No FXLounge |
| 76 | CIBC Aeroplan Visa Card CIBC | 4.8/10 | None | ≈ $155 | Aeroplan | — |
| 76 | MBNA Rewards Platinum Plus Mastercard MBNA | 4.8/10 | None | ≈ $120 | MBNA Rewards | — |
| 76 | Triangle Mastercard Canadian Tire | 4.8/10 | None | ≈ $150 | CT Money | — |
| 79 | CIBC Aventura Visa Card CIBC | 4.7/10 | None | ≈ $190 | CIBC Aventura | — |
| 79 | Desjardins Odyssey Gold Visa Desjardins | 4.7/10 | $110 | ≈ $70 | Desjardins BONUSDOLLARS | — |
| 79 | MBNA Smart Cash Platinum Plus Mastercard MBNA | 4.7/10 | None | ≈ $160 | Cash back | — |
| 82 | National Bank ECHO Cashback Mastercard National Bank | 4.5/10 | $30 | ≈ $80 | Cash back | — |
| 82 | National Bank mycredit Mastercard National Bank | 4.5/10 | None | ≈ $70 | Cash back | — |
| 84 | Scotia Momentum Mastercard Scotiabank | 4.3/10 | None | ≈ $90 | Cash back | — |
| 85 | Secured Neo Mastercard Neo Financial | 4.0/10 | None | ≈ $0 | Cash back | — |
| 85 | Walmart Rewards Mastercard Walmart Rewards | 4.0/10 | None | ≈ $80 | Walmart Reward Dollars | — |
| 87 | Walmart Rewards World Mastercard Walmart Rewards | 3.9/10 | None | ≈ $85 | Walmart Reward Dollars | — |
| 88 | Desjardins Flexi Visa Desjardins | 3.5/10 | None | ≈ $0 | None (no rewards) | — |
| 88 | MBNA True Line Gold Mastercard MBNA | 3.5/10 | $39 | ≈ -$39 | None (no rewards) | — |
| 88 | MBNA True Line Mastercard MBNA | 3.5/10 | None | ≈ $0 | None (no rewards) | — |
| 91 | Capital One Guaranteed Secured Mastercard Capital One | 3.4/10 | None | ≈ $0 | None (no rewards) | — |
| 91 | National Bank Syncro Mastercard National Bank | 3.4/10 | $35 | ≈ $70 | None (no rewards) | — |
| 93 | National Bank Allure Mastercard National Bank | 3.3/10 | None | ≈ $50 | National Bank Rewards | — |
| 94 | BMO Preferred Rate Mastercard BMO | 3.2/10 | $29 | ≈ $0 | None (no rewards) | — |
| 94 | Home Trust Secured Visa Home Trust | 3.2/10 | None | ≈ $0 | None (no rewards) | — |
| 96 | CIBC Select Visa CIBC | 3.1/10 | $29 | ≈ $0 | None (no rewards) | — |
| 96 | Scotiabank Value Visa Scotiabank | 3.1/10 | $29 | ≈ $0 | None (no rewards) | — |
| 98 | National Bank MC1 Mastercard National Bank | 2.4/10 | None | ≈ $20 | None (no rewards) | — |