Editorial

Editorial Policy

Last updated: 2026-07-13

Who writes and reviews this

Content is produced and reviewed under one published standard by The Points Standard, and we publish unsigned — by design. Like The Economist, we treat every page as the publication’s judgment rather than one writer’s opinion: a score is the output of the published methodology, and The Points Standard stands behind it. We don’t attribute pages to invented personas or credentials we don’t hold. Every card review, ranking, and comparison shows a “Reviewed” or “Updated” date so you can see exactly how current the analysis is; see our methodology for how the underlying scores are produced. Accountability doesn’t need a byline: it needs sources you can check, math you can re-run, and a corrections log — all three are on this site.

Independence

Rankings and reviews are produced by the editorial process described in our methodology, insulated from all commercial relationships. Issuers do not preview, approve, or influence coverage. See our Advertising Disclosure for how we make money.

Sourcing and accuracy

Every card record stores a source URL (the issuer’s own page) and a last-reviewed date.
Point valuations are published with their basis and refreshed monthly.
We recheck source data before publishing and during scheduled review cycles.

Usefulness standard

Every recommendation explains who the card is for and who should skip it. Every monetized page must be useful to a reader who never applies for anything.

Corrections

When we get something wrong, we fix it, note the update date, and — for material errors — describe the correction. Report errors via our contact page; accuracy reports are treated as priority mail.

Corrections log

Material corrections, newest first. Entries are never edited or removed after publication, and the log also appears in the site-wide change log:

August 10, 2026 — Anniversary bonuses were counted as first-year value while only one annual fee was charged: A reader challenged the [TD Aeroplan Visa Infinite Privilege](/cards/td-aeroplan-visa-infinite-privilege)'s **$1,586 first-year net value**: the full 85,000-point headline includes 30,000 points awarded only after the first account anniversary, but our calculation charged only one $599 annual fee. The reader was right. TD requires the account to remain open and active for 12 months, can take up to eight further weeks to issue the points, and warns that closing or switching first may forfeit them. The old arithmetic was $1,615 for all 85,000 points, plus $570 of qualifying-spend earn, less one $599 fee. It combined a post-anniversary reward with a one-fee horizon. We had made the boundary error systemic in code and tests by declaring every tranche called ‘anniversary’ to be year one. That rule is reversed. First-year net value now excludes anything awarded at an anniversary, renewal, or month 13 and later; the review separately warns when collecting the full headline requires another annual fee. On the TD Privilege card, first-year net falls **$1,586 → $1,016** and the Standard Score **7.70 → 7.40**. If someone instead evaluates the complete 85,000-point offer across renewal, its net is about **$987** before valuing non-cash perks: $1,615 of bonus points + $570 of earn − two $599 fees. The roster audit found the same first-year timing error on five other paid cards: **TD Aeroplan Visa Infinite** $800 → **$515** (score 7.22 → 6.93); **CIBC Aeroplan Visa Infinite** $1,090 → **$615** (7.25 → 6.95); **CIBC Aeroplan Visa Infinite Privilege** $1,895 → **$945** (7.20 → 6.75); **CIBC Aventura Visa Infinite Privilege** $892 → **$517** (6.27 → 5.98); and **RBC ION+ Visa** $508 → **$396** (5.97 → 5.83). The no-fee CIBC Aeroplan Visa's first-year figure falls $250 → $155 because its anniversary points also arrive later, though there is no renewal-cost error and its score does not change. RBC Avion Visa Infinite Privilege and WestJet RBC World Elite already excluded their anniversary or renewal points from first-year dollars; they now carry the same structural flag so future calculators cannot accidentally add those points back. A regression test now requires every anniversary or renewal tranche to be marked post-year-one and rejects any such card from the one-fee calculator. This correction supersedes our July 27 treatment of anniversary tranches and the contrary sentence in the August 3 correction; those historical entries remain visible rather than being silently rewritten.
August 10, 2026 — We published a first-year scoring rule that 20 cards did not follow — the rule is now executable and the rankings have been corrected: Our [methodology](/methodology) says every first-year-value input starts at a fixed dollar anchor and may move only downward, by at most one point, where spend gates or a weak currency make the headline overstate reality. The data did not honour that promise: fifteen cards sat above their anchor and five sat more than one point below it. The scoring function now owns the same ladder the methodology page displays, and a roster-wide test prevents either the table or a card input from drifting outside it again. The largest correction is the [Amex Cobalt](/cards/amex-cobalt): about $699 of published first-year net value anchors at 7.0, not 9.0, so its Standard Score moves **8.30 → 7.70**. It now co-leads the overall ranking with the TD Aeroplan Visa Infinite Privilege instead of holding first place alone. Other downward corrections: Rogers Red World Elite **6.97 → 6.67**; Amex Marriott Bonvoy **7.45 → 7.15**; CIBC Dividend Visa Infinite **7.45 → 7.30**; Rogers Red World Legend **5.03 → 4.88**; Secured Neo **4.20 → 4.05**; TD Cash Back Visa Infinite **7.28 → 7.13**; BMO eclipse Visa Infinite **6.55 → 6.40**; WestJet RBC World Elite **7.00 → 6.85**; Scotiabank Scene+ Visa **5.55 → 5.40**; Neo World Mastercard **5.30 → 5.15**; MBNA True Line **3.63 → 3.47**; BMO Preferred Rate **3.32 → 3.18**; Scotiabank Value Visa **3.27 → 3.13**; and CIBC Select Visa **3.23 → 3.08**. Five cards had been penalized beyond the published limit and move up: RBC ION+ **5.83 → 5.97**; Triangle Mastercard **4.70 → 4.85**; National Bank Syncro **3.20 → 3.35**; National Bank MC1 **2.28 → 2.43**; and RBC Cash Back Mastercard **4.75 → 4.90**. No fee, offer, valuation, or other score component changed. Three related ranking defects are fixed in the same pass. General rankings now co-rank cards with the same one-decimal score readers see, so a hidden hundredth cannot decide an order or produce labels such as ‘7.5 · Strong’. Equal low-interest carrying costs co-rank as well. The overall list is now the real top ten across every personal card rather than ten records carrying a manual tag. And specialist rankings no longer let a rewards score overrule their actual job: low-interest cards are ordered by fee plus interest on a disclosed $3,000 average balance, while secured cards use typed guaranteed-approval and minimum-deposit facts before fee and Standard Score. Finally, the personalized value engine now applies explicit ‘first’, ‘up to’, and ‘capped at’ monthly or annual thresholds written into earn tables, including shared and per-category caps. It also stops counting the CIBC Dividend Visa Infinite's first-year fee rebate twice: that issuer headline bundles the rebate into ‘up to $350 in value’, while the calculator already sets the first-year fee to zero. The personalized welcome value is now the $250 non-fee portion, plus the avoided $120 fee once — not twice. Every card review now also exposes structured evidence beneath all six score inputs, generated from the same typed fee, offer, earn, currency, benefit, eligibility, and fit facts as the rest of the review. The facts are machine-consistent; the page still labels the rating itself as editorial judgment rather than dressing it up as an automatic formula.
August 3, 2026 — Both record Amex offers have ended. We published one of them as still running, and both cards' scores fall with the replacements: On July 29 we published that the [Amex Aeroplan Reserve](/cards/amex-aeroplan-reserve)'s 150,000-point offer was **“still being advertised”** past its July 28 deadline, and that for the [Amex Platinum](/cards/amex-platinum)'s 170,000 we **“could not confirm a replacement.”** Both statements were wrong. Amex had already replaced both offers, and the replacements are materially smaller. **The Aeroplan Reserve now pays up to 85,000 Aeroplan points** — 60,000 on $7,500 of spend in three months, plus 25,000 on $2,500 in month 13. That is $1,615 at our 1.9¢ Aeroplan mark, against $2,850 before, and it cuts what had been the largest bonus in the Aeroplan program by nearly half. Only the first 60,000 lands inside year one, so first-year net value falls **$1,490 → $719** and the Standard Score **7.35 → 6.90**. The arithmetic, since we ask you to check ours: $1,140 for the 60,000-point tranche, plus $178 for the earning that the $7,500 of qualifying spend itself generates at the card's 1.25x floor, less the $599 fee. **The Platinum now pays up to 100,000 MR points** — 70,000 on $10,000 in three months, plus 30,000 on a purchase in months 15–17. That is $1,900 against $3,230 before; first-year net value falls **$2,270 → $1,130** and the Standard Score **8.07 → 7.62**. That figure is $1,330 for the 70,000-point tranche, plus $399 for a realistic year of 2x earn on dining and travel and Amex's $200 annual travel credit, less the $799 fee — the earn and credit assumptions are unchanged from the old offer, because neither depends on the size of the welcome bonus. Amex publishes no end date on either. **Why we got it wrong, plainly:** Amex serves its welcome offers through a client-side script instead of writing them into the page, so the tooling we use to read every other issuer returns a page shell with no offer text in it. We read that absence as “unchanged” on the Reserve because a stale listing still showed the old figure. It wasn't unchanged; we simply could not see the update. Both offers above were confirmed in a rendered browser session on August 3, which is the only method that works for this issuer — and that is now written into both cards' notes so the limitation is visible rather than assumed away. **A third thing this exposed, which was ours alone.** Our tools decide whether a card's year-one earning can be separated out by checking whether one subtraction comes out above $25. For cards paying a tranche after month 12 that subtraction isn't earning at all, and the old numbers happened to land below the threshold, so it worked by luck. With the Platinum's new figures it came out at $29 — which flipped the card to "fully modelled", and the [card value calculator](/tools/card-value-calculator) began counting the months-15-17 tranche as year-one value while the compare table published −$770 as its ongoing value. Every part of an offer that pays after month 12 is now marked as such in our data — eleven tranches plus one offer whose prose isn't broken into tranches — and the tools read that flag instead of inferring from arithmetic. Anniversary tranches are NOT among them: those pay at the twelve-month mark and count in year one, exactly as our July 27 correction treated them. Four further cards turn out to have had the same defect as the Platinum and are fixed by the same change: the TD Business Travel Visa, the Scotiabank Passport Visa Infinite Privilege, the Amex SimplyCash Preferred and the RBC WestJet World Elite. No published dollar figure other than the two Amex cards changed. Two knock-on fixes: our [Platinum application guide](/blog/applying-for-amex-platinum-what-to-expect) still described the 170,000 offer as current and now carries the replacement with its arithmetic shown, and the top-five list in our [best-cards ranking post](/blog/best-credit-cards-canada-ranking) had the Platinum at 8.07. The ranking order is unchanged. We also pulled the corresponding item from the unsent August Brief rather than let it go out repeating the original claim.
August 1, 2026 — Four things we published about ourselves, or showed you, that weren't right: None of these is a card number, but each one is something a reader could have acted on or been misled by, so they belong here. **A card that costs you money in year one was shown in the styling we use for money you gain.** Our tables and ranking rows print a first-year net value, coloured green for positive. One card on the roster — the [MBNA True Line Gold](/cards/mbna-true-line-gold-mastercard) — currently has a *negative* first-year net value of about -$39, because its fee exceeds what it returns. Five separate places in our code applied the green treatment unconditionally, so that -$39 rendered as though it were a gain on the card database, the compare tool, the low-interest ranking, the MBNA issuer page and one comparison page. All five now colour by sign. The number was always correct; the way we showed it argued against the number. **We promised a daily offer watch we don't run.** Our editorial policy listed the update cadence as “Daily: offer watch on live bonuses”, alongside weekly, monthly and quarterly commitments. In fact three automated jobs run weekly, on Mondays, and nothing runs daily. The cadence section now describes what actually runs — the source monitor, the freshness check and the offer alert — and says plainly that each raises work for a person rather than editing anything itself. We would rather publish a smaller promise we keep. **Our privacy policy described our browser storage incompletely.** It said we use `sessionStorage`, cleared when you close the tab. That was true of the signup prompts but not of everything: if you answer the “was this review useful?” question on a card review, we store that answer in `localStorage`, which persists across visits. It is a yes/no flag per card with no identifier attached, and it never leaves your device — but the policy didn't mention it, and a privacy policy that under-describes what a site stores is wrong even when the storage itself is harmless. The policy now names the key and what it holds. **Offer countdowns could be a day out, and expire offers early.** Every date in our pipeline was stamped in UTC. UTC midnight is 20:00 the previous evening in Toronto, so anything that ran in the Canadian evening believed it was already tomorrow: countdowns read one day short, and an offer could be treated as expired while it was still live. We reproduced it on one unchanged commit — a run at 14:55 UTC printed one date and countdown, a run at 01:06 UTC printed the next day's. All five places that stamped a date now use a single definition of “today”, fixed to Canadian Eastern time, with a regression test that fails if anyone reintroduces the UTC version.
August 1, 2026 — BMO CashBack World Elite — we had its fee, one of its earn rates, and its grocery cap all wrong: A full-site audit found three separate errors on the [BMO CashBack World Elite Mastercard](/cards/bmo-cashback-world-elite-mastercard), and they had spread from the card's own review into a comparison page and a blog post. All three are now corrected against BMO's own product page, read on 2026-07-29. **The fee.** A drawback on the review called it a “$120 fee”, directly under the correct $139 in the same card's fee line. BMO states $139 three times on its page, including “the annual fee is waived in the first year - a savings of $139”. The same $120 appeared in our [BMO-versus-CIBC-Dividend comparison](/compare/bmo-cashback-world-elite-mastercard-vs-cibc-dividend-visa-infinite), which described the two cards as sitting “at an identical $120 fee” — they don't; the Dividend is $120 and the BMO is $139 — and in the stack total on our [Costco card post](/blog/best-credit-card-for-costco-canada), which is now $139. **The earn rate.** We told readers the card pays **4% on recurring bills**. It does not. BMO's table reads “4% on transit” and “2% on recurring bills”, which is exactly what our own earn table said — so the review was contradicting its own data one line below. Anyone who chose this card to put their phone, internet and streaming bills on was told to expect double what it pays. That claim was on the card review and in the comparison verdict; both are corrected. **The cap, which was wrong in both directions at once.** Our prose said the 5% grocery rate was “capped at $12,000/year”. Our earn table said there was no cap at all. BMO says “5% cash back up to a limit of $500 spent for a given statement period” — about $6,000 a year, and it resets monthly rather than accumulating. So the prose overstated the cap roughly twofold, and the missing cap in our data meant our [card finder](/tools/card-finder), [stack builder](/tools/stack-builder) and value calculator were projecting 5% on unlimited grocery spend. That is the most consequential of the three, because it inflated a personalized dollar figure rather than a line of copy. All four of the card's bonus rates are capped per statement period — $500 groceries, $500 recurring bills, $300 transit, $300 gas — and all four are now in the earn table, where the tools read them. No Standard Score changes: the score is authored from rated inputs rather than derived from the earn table, which is once again why a wrong rate can sit in our data without moving anything that would have flagged it. We have not re-dated this card's review, because BMO's page renders its interest rates through a script that returns an error where the numbers should be, so the purchase and cash-advance rates could not be re-read on this pass and the card stays on our re-verification queue.
August 1, 2026 — Scotia Momentum Visa Infinite — we hedged an offer Scotiabank states plainly, and billed a fee it waives: We published this card's welcome offer as “~15% cash back on first $2,000 of purchases (offers vary)”, with a note telling readers the $300 was “a typical recent offer, not a guaranteed figure” and no end date. That hedging was wrong on every count. Scotiabank's own page, read on 2026-08-01, states the offer without qualification: **“Earn 15% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)”**, running to a published deadline of **November 1, 2026**. More materially, the same offer includes **“no annual fee in the first year, including on additional cards”**, and Scotiabank's terms confirm the waiver applies to cards issued between May 1 and November 1, 2026. Our fee note said only “commonly waived first year” — deliberately hedged language that our own data model treats as *not* a confirmed waiver, so our tools were charging the full $120 against this card's first-year value. A reader following our page would have budgeted a fee they are not being asked to pay. The offer, its deadline, and the first-year fee waiver are now recorded as confirmed, which also puts the card on our offer countdown and expiry alerts for the first time — previously it carried no end date, so nothing would have warned anyone when the offer lapsed. We have deliberately left the card's published first-year net value at $480: that figure subtracts the annual fee regardless of a first-year waiver, which is the conservative convention we use across the roster, and changing it is a broader piece of work than a correction.
August 1, 2026 — Three pages contradicted our own card data — a ranking, a lounge answer, and an Avion comparison: The same audit diffed every freehand claim on the site against the card records behind it. Three said things our own data flatly denies. **Our best-cards ranking post named the wrong card in its top five.** It listed “TD Aeroplan Visa Infinite (7.38)” at number five. Recomputing the ranking the way [the ranking page](/best/best-credit-cards-canada) does puts the [Scotiabank Passport Visa Infinite](/cards/scotiabank-passport-visa-infinite) fifth at **7.3**, with TD Aeroplan Visa Infinite sixth at **7.22** — so both the card and the score were wrong, and the ranking page had been contradicting the post one click away. The post now names the Passport. **Our lounge-access answer promised a fee waiver that card explicitly doesn't have.** The FAQ on [best lounge-access cards](/best/best-lounge-access-credit-cards-canada) described the Scotiabank Passport as “$150 fee, commonly waived the first year”. The card's own review says the opposite in as many words: the fee is rebated only if you hold an eligible Scotiabank chequing package, and the card carries no first-year waiver of its own. We corrected that distinction on the review in July and it survived here — a reader arriving from the lounge ranking would have budgeted nothing and been billed $150. **Our Avion comparison told readers two cards pay the same bonus.** It said that “on the standard 35,000-point offer both cards pay the same bonus”. They don't: the [Avion Visa Infinite](/cards/rbc-avion-visa-infinite) pays up to 55,000 points and the [Avion Visa Infinite Privilege](/cards/rbc-avion-visa-infinite-privilege) up to 70,000. The two offers do open identically — 35,000 on approval, then 20,000 on $5,000 in six months — but the Privilege adds a further 15,000 at your first anniversary, worth about $240 at our Avion mark. The verdict's argument rested on the bonuses being equal, so the recommendation and not just the number needed rewriting.
July 29, 2026 — Neo World Elite Mastercard — we understated the top of its interest-rate range by three points: We published the [Neo World Elite Mastercard](/cards/neo-world-elite-mastercard)'s purchase rate as **19.99%–26.99%** and its cash-advance rate as **22.99%–28.99%**. Neo's own card pages put both ranges higher: the comparison table on each of its three plan pages lists **Purchase Rate 19.99%–29.99%** and **Cash Advance Rate 22.99%–31.99%**, identically for the World Elite and the no-fee World Mastercard. Both figures are now corrected. This matters more than most data fixes on this site: Neo assigns your rate at approval based on your credit profile, so the top of the range is the number an applicant with thinner credit should be planning around, and we were showing it three percentage points lower than it is. On a $2,000 balance carried for a year, the gap we were hiding is roughly $60. No score changes — the Standard Score measures rewards value, not interest rates, which is exactly why a rate error can sit in our data without moving anything that would have flagged it. The same pass re-verified both Neo cards' annual fees ($0 and $149), income requirements ($50,000/$80,000 personal and $80,000/$150,000 household), and the no-fee card's rates, all of which were correct as published.
July 27, 2026 — Our tools priced a cents-per-litre fuel discount as a 100% rewards rate — and misread seven other cards' earn rates: A sweep of every interactive tool on the site found four related defects in the engine behind the [card finder](/tools/card-finder), the [stack builder](/tools/stack-builder), and the keep-or-cancel module on card reviews. **Eight cards' personalized estimates change; seven fall and one rises.** Every figure below is at the default spending profile our tools open with ($1,350 a month). **The worst of it: the Triangle World Elite Mastercard's gas rate is published as “5-7¢/litre” at Canadian Tire Gas+ — a discount at the pump, not a share of what you spend.** Our engine could not parse it, fell back to a neutral “1 point per dollar”, and then converted that through CT Money's valuation, where one CT Money is worth one dollar. The result was a dollar back for every dollar of gas spending. At the default profile our tools use ($150/month of gas) the card showed **$2,064 a year in CT Money, where our corrected model now shows about $264** — a 12.7% blended return, where nothing in the Canadian market clears 7%. That made it our top cash-back and top simplicity recommendation and the best single card in every stack we suggested. It was neither. To be precise about what the new figure is: it counts no value at all for the fuel discount, because a per-litre saving cannot be derived from dollars of card spend without a fuel-price assumption we don't publish. The discount is real, and a Gas+ regular will do better than $264; the number is a floor, not a valuation of the card. The neutral fallback is now a currency-independent 1%, so an unreadable rate can never again be multiplied by a dollar-denominated currency. **Second, our engine looked for a base-rate row called “Everything else”, and where an issuer words that row differently it fell through to the card's *first* listed rate — usually its best one.** Four cards were affected. The [RBC Cash Back Mastercard](/cards/rbc-cash-back-mastercard) calls its base row “Other purchases”, so its **2% grocery rate was credited to dining, gas, travel and everything else alike** ($324 → $171). The [Secured Neo Mastercard](/cards/neo-secured-mastercard) publishes no base rate at all, and its 1% gas-and-grocery rate was applied to every category ($162 → $78). The [Rogers Red World Legend](/cards/rogers-red-world-legend-mastercard) and [Rogers Red World Elite](/cards/rogers-world-elite-mastercard) both pay their headline 2% only with an active Rogers, Fido or Shaw service, and the tools assumed every reader had one ($324 → $243 each). The engine now recognizes how issuers actually word a base row, takes the entry tier where a base rate is tiered by annual spend, takes the unconditional rate where one is conditional, and credits nothing at all where a card publishes no base rate — under-crediting rather than borrowing a bonus rate it cannot justify. **Third, and the subtlest: our tools were pricing the two Neo cards as a card nobody can hold.** The [Neo World Mastercard](/cards/neo-world-mastercard) and [Neo World Elite](/cards/neo-world-elite-mastercard) make you choose one reward plan — Gas & Grocery, Shop & Dine, or Everywhere — and only the plan you are on earns its elevated rates. Our engine picked the best-paying row for each spending category independently, so it was billing groceries and gas to the Gas & Grocery plan while simultaneously billing dining to Shop & Dine. No cardholder can have both. (A related error had the explanatory first line of each table — the one naming the three plans, with no rate against it — read as though it were a rate, which hid the real rows underneath.) The engine now chooses a single plan per card, prices every category under it, and the tools name the plan they assumed. Both figures fall: **Neo World $246 → $198** and **Neo World Elite $330 → $324** at the default profile. The right plan depends entirely on where you spend — on a dining-heavy profile the engine picks Shop & Dine instead, and the World Elite's estimate rises — which is exactly why a single named plan is the only honest way to show it. Two consequences worth stating: on the keep-or-cancel module on each card review you can now tell us which plan your card is on, because the right figure for a card you already hold is the one its own plan earns, not the best of the three; and in the [stack builder](/tools/stack-builder), a Neo card's plan is chosen together with the rest of the stack rather than on its own, since a Neo sitting beside a strong grocery card should be on Shop & Dine rather than Gas & Grocery. **Fourth, one card's estimate rises because of the fallback change itself.** The [PC Insiders World Elite Mastercard](/cards/pc-insiders-world-elite-mastercard) earns an unconfirmed multiplier at Loblaw banners — our table says so plainly — and the old fallback priced that as one PC Optimum point per dollar, which at 0.1¢ a point is a tenth of a percent. The new currency-independent 1% raises its estimate from $92 to $162 a year. That figure is still hedged, and still stands in for a rate the issuer has not published; the fix makes it less wrong, not right. **And a separate correction the same review forced us to make: we had been publishing two contradictory claims about the Neo plan mechanic, and the one in our card data was the wrong one.** Our [Neo relaunch post](/blog/neo-credit-cards) and our Rogers-versus-Neo comparison said the reward plans can be switched every 90 days. Our card data said the opposite — plan chosen at application, fixed, not switchable — and said so in the earn table, the drawbacks, and the verdict. Both had been live for weeks. The card data was wrong: Neo's own help-centre article, [“Changing the cashback categories on your Neo credit card”](https://support.neofinancial.com/en/articles/14009976-changing-the-cashback-categories-on-your-neo-credit-card) (dated June 2, 2026), states that you can change plans in the app, that **the change takes effect immediately**, and that you can do it **once every 90 days**. Your card number, credit limit, APR and history all carry over; only the rates change. Gas & Grocery is the default. That materially improves both cards — a plan you can re-point each quarter is worth more than one you are stuck with — and it is now stated consistently on the earn tables, the drawbacks, the verdicts, the relaunch post, the comparison, and the two tools that price these cards. Our internal research file recorded a correction *to* the wrong version, so that file has been corrected too. The lesson we are taking from it: when a correction lands on one surface and not the others, the site starts arguing with itself, and nothing in our tests catches a disagreement between prose and data. **No Standard Score or published first-year net value changes.** Those are authored card by card and never came from this engine; the error was confined to the personalized dollar figures the three tools calculate from spending you type in. A regression test now rejects any card whose estimate returns more than 8% of spend overall or 10% in any one category — the previous guard was set at 15%, loose enough to let this through.
July 27, 2026 — Seven more first-year figures raised — the same omission, found by auditing the whole roster: Having found two cards whose first-year net value left out earning we had already assumed, we checked all 98. Seventy-seven were already correct. Seven were not, in exactly the same way: each credits a welcome tranche that only pays out once you hit a spending target, while counting none of the rewards that spending generates. All seven figures rise, and six Standard Scores rise with them. **TD Aeroplan Visa Infinite Privilege** $1,016 → **$1,586** (score 7.40 → 7.70) and **CIBC Aeroplan Visa Infinite Privilege** $1,301 → **$1,895** (7.05 → 7.20) — both credit an anniversary tranche requiring $24,000 and $25,000 of spend respectively, worth around $570 and $594 in unclaimed earn. **Amex Business Gold Rewards** $1,131 → **$1,701** (6.50 → 6.80); its second tranche needs $30,000 of spend, worth $570 at the card's flat 1x. **RBC Avion Visa Infinite** $760 → **$840** (7.03 → 7.17) and **RBC British Airways Visa Infinite** $795 → **$875** (6.47 → 6.63), each adding $80 from the $5,000 their offers require. **Amex Marriott Bonvoy** $420 → **$474** (7.30 → 7.45) and **Amex Marriott Bonvoy Business** $480 → **$570** (score unchanged at 6.10, since the figure stays inside the same band on our rating ladder). Each card's earn is credited at its *lowest* published rate on the *minimum* qualifying spend, so these are floors rather than estimates — a cardholder whose spending falls in the accelerated categories will do better. We have deliberately not touched the seventy-seven cards that already count first-year earning: their figures were authored individually over months and reconciling them to a single spend model is a larger piece of work than a correction, which we would rather do properly than quickly. The Aeroplan comparison table and the RBC Avion deep dive have been updated to match.
July 27, 2026 — Correcting yesterday's corrections — two first-year figures were understated, and one claim we couldn't support: An independent review of yesterday's Amex and CIBC pass found errors in the corrections themselves. We publish these the same way we publish the originals. **The two first-year figures were too low, because they left out earning we had already assumed.** Our methodology defines first-year net value as the welcome bonus at our valuations *plus realistic first-year earning*, minus the annual fee. For the Amex Business Platinum and the CIBC Aventura Visa Infinite Privilege we counted only the bonus. That is not merely inconsistent — it is incoherent, because in both cases we credited a bonus tranche that only pays out if you hit a spending target, then ignored the rewards that same spending earns. Amex Business Platinum: the 80,000-point tranche needs $15,000 of spend, which itself earns $356 at the card's flat 1.25x, so first-year net is **$1,077, not the $721 we published yesterday** — and the Standard Score is **7.13, not 6.82** (ladder baseline 8.0, less the full one-point reduction for a bonus gated all-or-nothing behind $15,000 in 90 days). CIBC Aventura Visa Infinite Privilege: the 30,000-point anniversary tranche needs $25,000 of spend, worth at least $391 even if every dollar earns the 1.25x floor, so first-year net is **$892, not $501**, and the score is **6.27, not the 6.13 we left unchanged** (baseline 7.5, less a full point for the spend gate and for Aventura being a currency that transfers nowhere). Both corrections move in the cards' favour. **The Business Platinum's statement-credit list was also wrong twice over:** we described $820 a year as including a $100 NEXUS credit, but Amex's $820 is the travel, Indeed, Dell and wireless credits alone — our list added to $920 — and the NEXUS credit is a separate benefit available once every four years, not annually. **And we withdraw a claim we could not support:** we said the incorrect “2x on shipping, advertising, and gas” earn table we had been publishing was the American Business Platinum's structure. It isn't. The US Business Platinum's categories are different again, and advertising and gas belong to the US Business Gold. The old earn table was simply wrong; we don't know where it came from, and we shouldn't have guessed in a correction notice. Finally, three prose surfaces still contradicted the corrected data and now don't: the Gold Rewards deep dive still put transit in the 2x band, the Cobalt break-even formula still put general travel there, and the Green-versus-Gold comparison still described a 2x hotels tier that doesn't exist.
July 26, 2026 — Two more welcome offers overstated — CIBC Aventura Visa Infinite and BMO Ascend World Elite: Both of these cards' welcome offers had shrunk since we last read them, and we were still publishing the old numbers. **CIBC Aventura Visa Infinite:** we showed up to 45,000 Aventura points as 15,000 on the first purchase plus 30,000 on $3,000 of spend in four statement periods. CIBC's page now shows the same first tranche but only **20,000** on the spend tranche — **35,000 in total, not 45,000**. Welcome value $560 → $438 and first-year net $600 → $478, moving the first-year-value input to the ladder baseline of 6.5 (Standard Score 6.78 → 6.47). Two smaller fixes on the same card: the 1.5x band includes **drug stores**, which our table omitted, and CIBC's first-year fee rebate covers not just the primary cardholder but up to three authorized users at $50 each — a stated value of up to $189, where we had described only the $139. **BMO Ascend World Elite:** we published up to 115,000 BMO Rewards points with a 60,000-point first tranche. BMO's own page now headlines **up to 100,000**, and the first tranche is **45,000** on $5,000 within 110 days; the 20,000-on-$10,000 and 35,000-on-$20,000 tranches are unchanged, as is the October 31, 2026 application window. Welcome value $770 → $670 and first-year net $820 → $720 (Standard Score 6.55 → 6.40). We were also failing to credit the card's **$200 NEXUS statement credit** and the fact that BMO's first-year fee waiver extends to authorized users, both of which are now in the review. BMO publishes the tranche split only through a script its page doesn't serve, so the 45,000 figure is corroborated against Milesopedia while the 100,000 total, the NEXUS credit and the fee waiver all come from BMO's own page.
July 26, 2026 — All three Rogers cards — annual cash-back caps arrive August 4, and we weren't saying so: Rogers Bank is putting an annual limit on its accelerated cash-back rates, and none of our three Rogers reviews mentioned it. Rogers' own card-comparison page states the change plainly: “Effective August 4, 2026: Annual limits will apply on the cash back rewards you can earn at the rates described in the table above as an eligible Rogers service customer”, that the limit depends on which card you hold, that exceeding it drops you to the card's lower rate, and that it resets on your account anniversary. Rogers publishes the dollar figure only on a linked notification page, but Milesopedia, Prince of Travel, iPhone in Canada and Canadian Rewards independently put it at **$61,000 of annual spend**, with the Rogers Red World Legend the one card exempt. So from August 4 the [Rogers Red Mastercard](/cards/rogers-red-mastercard)'s 2% drops to 1% past $61,000, the [Rogers Red World Elite](/cards/rogers-world-elite-mastercard)'s 2% drops to 1.5%, and the [Red World Legend](/cards/rogers-red-world-legend-mastercard) keeps earning 2% with no cap — which makes the exemption a real point in the Legend's favour, and it now appears in that card's benefits. The caps are disclosed on all three earn tables and in the drawbacks of the two affected cards. No scores change: the caps bite only above $61,000 of annual spend, well beyond the profile our value engine models. All three cards' earn rates were otherwise re-verified against Rogers' comparison table and are correct as published. We will confirm the $61,000 figure against rogersbank.com once the change is live.
July 26, 2026 — Amex SimplyCash Preferred — the welcome offer was a $400 placeholder; Amex publishes $250: This card carried an estimate rather than a fact. We published “up to $400 in bonus cash back in the first year (offers vary)”, with a caveat saying Amex rotates the offer and that $400 was a typical recent public figure. Amex's own card listing publishes the current offer plainly and it is smaller: a bonus **10% cash back on your first $2,000 of purchases in the first three months — up to $200** — plus a **$50 statement credit** for any purchase made in month 13. That is $250 in total, and only $200 of it can arrive in year one. The hedge was the real problem: it let a number we had not verified sit on the page for months looking like data. Welcome value $400 → $250 and first-year net value $680 → $480, moving the first-year-value input from 7.0 to 6.5 under the anchor ladder (Standard Score 7.35 → 7.20). The caveat has been removed rather than reworded, because there is nothing left to hedge — Amex states this offer on its own page. The 4% gas and grocery rates and their $30,000 annual cap were re-verified in the same pass and are correct as published.
July 26, 2026 — Three more Amex earn tables corrected — Cobalt, SimplyCash, and the Green Card: Reading Amex's own card listing against our database turned up three earn-rate errors beyond the cards we had set out to re-verify. **Amex Cobalt:** our 2x band read “gas, transit, travel”. Amex's terms define it as gas stations and *local commuter transportation* — subway, streetcar, taxi, limousine and ride sharing — with **no travel category at all**. Travel booked on a Cobalt earns the base 1 point per dollar, not 2, so anyone putting flights or hotels on it for double points was earning half what we implied. We have also moved the 5x cap onto the earn table itself, where it belongs: the 5x rate applies to the first $2,500 of eats-and-drinks spend each month, and 1x thereafter. **Amex SimplyCash (no fee):** we described this as a flat 1.25% card with “no categories, no caps”. It isn't — Amex pays **2% on gas and 2% on groceries** up to a combined $15,000 of annual spend ($300 back), then 1.25%. That error ran against the card, and against readers looking for a no-fee cash-back option, for as long as the review has existed; the ongoing-value input rises 5.5 → 6.0 to match (Standard Score 5.50 → 5.60). **American Express Green Card:** we listed 2x on hotels and car rentals booked through Amex Travel Online. Amex's terms for this card describe a single flat rate — 1 point per dollar on everything — so the 2x tier has been removed. No welcome offers or dollar figures changed on any of the three; all three welcome offers were re-verified and are exactly as we publish them.
July 26, 2026 — Amex Business Platinum — we published a welcome offer 30,000 points too large and an earn rate that doesn't exist: This was the worst error in our database, and it had been sitting in a review, a deep-dive blog post, and a head-to-head comparison since July. We published a welcome offer of up to 150,000 Membership Rewards points, split as 75,000 on $25,000 of spend in three months and another 75,000 on $75,000 within the first year. Amex's own Canadian business card listing publishes something quite different: **up to 120,000 points — 80,000 after $15,000 of net purchases in the first three months, then 40,000 for any single purchase made between months 15 and 17.** Every part of our version was wrong. The total was 30,000 points too high; the first tranche's spend requirement was $10,000 higher than Amex asks; the $75,000 second tranche does not exist; and, most importantly for anyone deciding, we implied the whole bonus was reachable in year one when a third of it cannot arrive until month 15 — which means paying the $799 fee a second time to collect it. Our earn table was wrong in a different way: we listed 2x on shipping, advertising, and gas with 1x on everything else, which is the structure of the *American* Business Platinum. The Canadian card has no accelerated categories at all and earns a flat 1.25 points per dollar on everything — better than we said for general business spend, worse for anyone who had routed shipping or advertising to it expecting double points. Welcome value $2,850 → $2,280, and first-year net value $1,950 → $721, counting only the 80,000-point tranche that can actually land in year one. Under the anchor ladder $721 baselines at 7.0; we applied the documented full one-point reduction because the entire year-one bonus is gated behind $15,000 in 90 days on an all-or-nothing basis, giving a first-year-value input of 6.0 (Standard Score 7.72 → 6.82). The ongoing-value input is unchanged: a flat 1.25x is worth about 2.4¢ a dollar at our valuation, which roughly offsets the narrow 2x categories we had wrongly credited. We have also added the card's real perk stack, which we had omitted — up to $820 a year in business and travel statement credits. The blog post built on the old figures has been rewritten.
July 26, 2026 — CIBC Aventura Visa Infinite Privilege — the welcome offer, the base earn rate, and a $200 credit were all wrong: We described this card's welcome offer as up to 75,000 Aventura points, with 35,000 granted on approval and 40,000 more for $10,000 of spend in the first year. CIBC publishes up to **80,000 points in three spend-gated tranches**: 25,000 for $3,000 of spend in the first four monthly statement periods, another 25,000 for $6,000 in the same window, and 30,000 as an anniversary bonus for $25,000 of net purchases across the first twelve statement periods. The point total was understated by 5,000, but the structure was overstated in the way that matters — nothing on this card arrives simply for being approved, and a reader planning around 35,000 free points would have been wrong. The earn table had errors in both directions: travel booked through the CIBC Rewards Centre earns 3 points per dollar, not the 2.5 we published; the 2x band is far wider than the gas, EV charging and groceries we listed, also covering dining, entertainment and transportation; but the base rate on everything else is **1.25 points per dollar, not the 1.5 we published** — an overstatement on the largest category of most people's spending. We were also missing a **$200 annual travel credit** entirely, and described a single NEXUS rebate where CIBC gives two every four years, a pair it values at $325. Welcome value $940 → $1,000 and first-year net value $550 → $501; the small drop is because our previous figure did not follow the first-year convention the anchor ladder is defined against. Both the first-year-value and ongoing-value inputs are unchanged, and the Standard Score stays at 6.13: the wider 2x band and the higher travel rate very nearly cancel the lower base rate on a realistic spend profile, and we would rather say so than manufacture a score move. The head-to-head against the standard Aventura Visa Infinite has been corrected too.
July 26, 2026 — Amex Gold Rewards — transit does not earn 2x, and drugstores do: Our earn table for the Gold Rewards listed “Travel and transit” at 2 points per dollar. Amex's own terms for this card define the 2x travel category as air, water, rail and road transport, lodging and tour operators, and then explicitly exclude “local and commuter transportation” — transit, taxis and rideshare earn the base 1 point per dollar. A reader routing a monthly transit pass to this card for double points would have earned half what we implied. In the other direction, the same terms include **stand-alone drugstores** in the 2x band alongside gas and groceries, which our table omitted. Both halves of the table are now correct and the exclusion is called out in the card's drawbacks. No dollar figures change and the Standard Score is unchanged at 7.47, since the two errors run in opposite directions and roughly offset. The card's welcome offer was re-verified in the same pass and is unchanged at up to 60,000 points, earned 5,000 at a time in each monthly billing period where you post at least $1,000 of net purchases.
July 26, 2026 — CIBC Aeroplan Visa Infinite Privilege — a missing 2x earn category, and a guest privilege with an end date: Our earn table for this card showed 2 points per dollar on Air Canada purchases, 1.5 on a broad everyday band, and 1.25 on everything else. CIBC publishes a second 2x category we had left out entirely: **participating Hyatt hotels and resorts**, which also earn 2 World of Hyatt bonus points per dollar on top. Anyone choosing a card for a Hyatt stay was working from an incomplete table. Separately, we described the card's Maple Leaf Lounge access as including a guest without qualification; CIBC's page states the guest privilege as running only **to December 31, 2026**, which we now disclose and have added to our re-verification queue. The card's 100,000-point welcome offer was re-verified in the same pass and is exactly as we publish it, including all three spend thresholds. No dollar figures or scores change.
July 26, 2026 — Both BMO CashBack cards corrected — the fee, the offer, and the earn table were all wrong: Our July 20 sweep flagged both of these cards as probably wrong but couldn't confirm anything, because every attempt to read BMO's site failed. That turned out to be a fault in our own tooling rather than a block by BMO, and once we could read the pages both cards needed real corrections. **BMO CashBack World Elite:** the annual fee is $139, not the $120 we published. The welcome offer we described — 10% back on groceries and gas for three months — is gone, replaced by $40 a month for twelve months in any month you spend at least $2,000 (up to $480), plus the $139 first-year fee rebate and a $75 Roadside Assistance membership. Our earn table was wrong on three of four rows: groceries earn 5% (correct), but transit earns 4% rather than being lumped with gas at 2%, gas and EV charging earn 3%, and recurring bill payments earn 2% rather than the 4% we listed; the 4% and 3% tiers are each capped at $300 of spend per statement period, which we hadn't disclosed. Welcome value $300 → $480 and first-year net $560 → $740, with no change to the Standard Score. **BMO CashBack Mastercard (no fee):** the 10%-on-groceries offer we published is also gone; BMO now shows up to 5% cash back on all purchases for the first three months. BMO publishes the dollar cap only in a footnote its page doesn't serve, so we credit the conservative $100 — the figure BMO does publish for the equivalent intro on its student card — and say so in a caveat rather than guessing higher. Welcome value $300 → $100 and first-year net $340 → $140, moving the first-year-value input from 5.5 to 4.0 under the anchor ladder (Standard Score 6.25 → 5.80). The ongoing earn table on that card was already correct.
July 26, 2026 — Scotiabank Passport Visa Infinite — the annual fee is not waived in year one: Our review said this card's $150 annual fee was waived for the first year as part of the current offer. It isn't. Scotiabank's own card page lists the fee as “$150/year — Waived with an eligible bank account”, meaning a rebate you earn by holding a Scotiabank chequing package (an Ultimate Package rebates the full $150; a Preferred Package rebates $40), not something the card offer gives you. What the offer actually waives is the $50 fee on your first supplementary card. So a reader without the right chequing account pays $150 in year one, and our first-year figure assumed they paid nothing. First-year net value $850 → $700 and the first-year-value input moves 7.5 → 7.0 under the anchor ladder (Standard Score 7.45 → 7.30); the typed first-year-waiver flag has been removed so the card's year-one math stops zeroing a fee most applicants will pay, and the fee condition is now spelled out in the review's drawbacks. The 60,000-point offer itself was confirmed unchanged, including its August 3, 2026 end date, which Scotiabank states as an application window of January 2 to August 3, 2026.
July 26, 2026 — TD Business Travel Visa — annual fee and welcome offer both years out of date: This review had gone stale in a way that understated the card badly and misstated its cost. We published a $89 annual fee and a welcome offer of up to 50,000 TD Rewards points on $5,000 of spend. TD's current page shows an annual fee of $149 and a four-tranche offer worth up to 200,000 points: 30,000 on the first purchase, 120,000 on $15,000 of spend within 180 days, 30,000 on $25,000 within 365 days, and a 20,000-point bonus in month 15 — plus a first-year fee rebate covering the primary cardholder and the first four additional cardholders. Welcome value $250 → $1,000 at our 0.5¢ TD Rewards mark, and first-year net value $300 → $1,039 counting only the three tranches that can land in year one. Under the anchor ladder that net would baseline at 8.0, but we applied the documented full one-point reduction for tranches gated behind spending most applicants won't reach — $15,000 in 180 days is heavy for a small business — giving a first-year-value input of 7.0 (Standard Score 5.78 → 6.07). The drawbacks now name the spend gates, the month-15 tranche, and the year-two fee. Separately, TD is running a banner reading “Changes are coming to the TD Business Travel Visa Card” with no stated effective date; that's on our watchlist for re-verification.
July 26, 2026 — Both Scotiabank Scene+ Visa cards — welcome offer structure corrected and an end date added: We described the Scene+ Visa's welcome offer as up to 5,000 bonus Scene+ points on $500 of spend in the first three months. Scotiabank pays it in two tranches against two different thresholds: 2,500 points on $250 of spend and a further 2,500 on $1,000, both within the first three months. The point total and its $50 value were right; the spend requirement a reader would plan against was not. Scotiabank also publishes an application window ending November 1, 2026, which we weren't carrying at all — the card now has an offer end date and will surface in our expiry checks. The student version of the card had a larger error: we credited it with only 2,500 points for a first purchase, while Scotiabank's student page shows the same up-to-5,000-point, two-tranche offer, so its welcome value rises $25 → $50 and its first-year net $80 → $105. Because the student page's terms are written against a “Scotiabank Scene+ Visa credit card account” rather than the student product by name, we've added a caveat telling students to confirm the second tranche applies to their application rather than assuming it.
July 26, 2026 — Tangerine Money-Back — the third 2% category unlocks with a savings account, not a direct deposit: Our review, the two-card-wallet post, and the Tangerine-versus-Simplii comparison all said the Money-Back Credit Card's third 2% cash-back category unlocks with a qualifying direct deposit. Tangerine's own page ties it to having the card's cash back deposited into a Tangerine Savings Account — a different condition, and an easier one to meet, since it requires opening a savings account rather than redirecting a payroll deposit. A reader could have concluded the third category was out of reach when it wasn't. No dollar figures or scores change; the earn table and all three prose surfaces now state the actual condition.
July 26, 2026 — RBC British Airways Visa Infinite — earn rates understated on two of three tiers: Our earn table for this card said 2 Avios per dollar on British Airways purchases and 1 Avios on everything else. RBC publishes three tiers, and we had the top one too low and the middle one missing entirely: 3 Avios per dollar on British Airways purchases, 2 Avios on dining and food delivery, and 1 Avios on all other qualifying purchases. Both errors ran against the card, understating what it earns. The ongoing-value input was raised 5 → 5.5 to reflect the corrected table (Standard Score 6.38 → 6.47). The welcome offer was re-verified in the same pass and is unchanged: RBC's campaign page for the card states the offer period as July 23, 2025 to August 4, 2026, confirming both the 60,000-Avios structure and the end date we publish. That end date was not on our internal watchlist despite being nine days away when we found it; it is now.
July 26, 2026 — RBC Visa Business Platinum Avion welcome offer — we understated it by 5,000 points and a fee waiver: We published this card's welcome offer as up to 30,000 Avion points requiring $5,000 of spend in the first three months. RBC's current offer is better on both counts: 35,000 Avion points on approval, with no spend requirement at all, plus the first-year annual fee waived. Welcome value $480 → $560 at our 1.6¢ Avion mark, and first-year net value $460 → $660 once the waived $120 fee is counted, moving the first-year-value input from 6.5 to 7.0 under the anchor ladder (Standard Score 6.58 → 6.73). We also added the waiver as a typed field so the card's year-one math stops subtracting a fee RBC isn't charging, and noted in the drawbacks that the waiver lapses in year two. Corrections usually run the other way; this one had been costing the card credit it was due.
July 26, 2026 — Desjardins Odyssey Gold Visa — fee waiver removed, base earn rate and category caps corrected: Three problems in one review, all found in a scheduled re-verification against Desjardins' own card page. First, we credited the card with a first-year annual fee waiver for the primary cardholder. Desjardins publishes no such waiver, and independent sources disagree with each other about whether one exists — Ratehub describes a first-year rebate, Prince of Travel says the card asks you to commit to the fee with no first-year cushion. Under our rule against publishing offers we can't confirm on the issuer's page, the full $110 now counts in year one; a waiver you're quoted at application is upside on top of our numbers. Second, our earn table gave the base rate as 1%; Desjardins pays 0.65% on everything outside the bonus categories, one of the weakest base rates on our roster. Third, we published the 2% categories as uncapped — they are not: $6,000 a year combined across restaurants and pre-authorized payments, and $15,000 on travel, after which earning drops to the 0.65% rate. First-year net value $180 → $70 (the change is the fee we now count, not a re-derived earn estimate), moving the first-year-value input from 4.5 to 4.0 under the anchor ladder, and the ongoing-value input from 5 to 4.5 to reflect the real base rate and caps; Standard Score 4.90 → 4.65. The verdict, best-for, and skip-if were rewritten to match.
July 26, 2026 — CIBC Costco Mastercard — welcome bonus removed, earn-rate caps corrected: We credited this card with a $100 welcome bonus and published two spending caps that don't exist. CIBC's own card page shows no welcome offer at all, and states twice that there is “no limit on how much cash back you can earn” — while our earn table claimed the 3% Costco gas rate stopped after $5,000 of annual spend and the 2% Costco.ca rate after $8,000. Both caps are gone from our table, and the welcome value is now scored at $0 (any bonus you catch is upside, as we already do for the Canadian Tire cards). We also had the categories themselves wrong: electric-vehicle charging earns 2%, not 3%, and the 2% tier covers all non-Costco gas stations, not just Costco.ca. Welcome value $100 → $0 and first-year net value $260 → $160, moving the first-year-value input down one anchor-ladder band (5 → 4) while the removal of the phantom caps raised ongoing value (6 → 6.5); Standard Score 5.58 → 5.38. Added the Skip+ membership and 3% dining-and-delivery benefit, which CIBC publishes and we had missed. The $100 figure circulating on comparison sites appears to belong to the separate CIBC Costco Business Mastercard.
July 26, 2026 — CIBC Dividend Visa Infinite welcome offer — placeholder replaced with the posted offer: This review carried a hedged placeholder — “first-year annual fee rebate plus bonus cash back (offers vary)” valued at $320 — because CIBC's page had been unreachable on our last several verification passes. It is reachable now, and the posted offer is specific: a 10% cash back bonus worth up to $200 over the first four statements (on net purchases up to $2,000), a $50 bonus for setting up a pre-authorized payment in the same window, and a $120 first-year annual fee rebate. CIBC headlines the package as “up to $350 in value”, which is what we now publish, even though its own itemization adds to $370 — we follow the issuer's stated total rather than our arithmetic. Welcome value $320 → $350 and first-year net value $560 → $590 (no change to the Standard Score: both figures sit in the same anchor-ladder band). We also added the first-year fee rebate as a typed field so the card's year-one math no longer subtracts a fee CIBC rebates, and corrected the 2% earn category, which omitted CIBC by Expedia travel purchases. The card's $80,000 annual cap on accelerated categories was re-checked and stands. Separately, CIBC's page discloses that the additional-cardholder fee rises from $30 to $50 on August 1, 2026; that's now on our watchlist.
July 25, 2026 — Simplii Cash Back Visa review corrected — welcome offer overstated fourfold, earn table wrong: Our review of the Simplii Financial Cash Back Visa described a card Simplii no longer offers. We published the welcome as “4% cash back on gas and groceries for the first year (up to $10,000 combined spend)” worth $400. The actual offer is up to $100 — 20% back for the first three months on up to $500 of gas, grocery, drugstore, and pre-authorized-payment spend. We also had the ongoing earn table wrong in a way that undersold the card: we listed 4% on gas and groceries as a first-year promotion dropping to 1.5%, and 0.5% on everything else. Simplii's actual structure is 4% on restaurants, bars, and coffee shops (first $5,000 a year) as a permanent rate, 1.5% on gas, groceries, drugstores, and pre-authorized payments (first $15,000 a year), and 0.5% on the rest — so the card's headline rate is a dining rate that doesn't expire, not a grocery rate that does. Welcome value $400 → $100 and first-year net value $420 → $340; the first-year-value input stays at 6 under the anchor ladder (both figures fall in the $300–$449 band) because the smaller bonus is offset by real ongoing earning the old record didn't credit, while the ongoing-value input rose 5.5 → 6.5 (Standard Score 6.20 → 6.40). The review's verdict, best-for, skip-if, benefits, and drawbacks were rewritten around the corrected structure, as were the Tangerine-vs-Simplii comparison and the first-card post, both of which repeated the “strong first-year gas and grocery rate” framing. Confirmed against simplii.com plus three independent sources (Frugal Flyer, FinlyWealth, ThePointCalculator).
July 25, 2026 — Amex Aeroplan Card — we published an offer end date American Express doesn't state: Our review of the entry-level Amex Aeroplan Card said its up-to-45,000-point welcome offer ends July 28, 2026. American Express publishes no end date for that card's offer. The July 28 date is real, but it belongs to two other cards — the Platinum Card's 170,000-point offer and the Aeroplan Reserve's 150,000-point offer — and we applied it to the entry card on a single unconfirmed source. Amex's own Aeroplan comparison page carries the “Offer ends July 28, 2026” clause on the Reserve and no end date on the Aeroplan Card, and the same distinction appears in PointsWise's Amex changelog. A reader could have rushed an application against a deadline that doesn't exist, so the date has been removed from the review, the offer archive, and the expiry alerts. The offer's points and spend requirements were correct and are unchanged. The Aeroplan Business Reserve's confidence note, which flagged the same July 28 date as a possibility, has been cleared for the same reason.
July 20, 2026 — Cathay World Elite Mastercard revalued — Asia Miles joins the Index at 1.5¢: Asia Miles was promoted from an off-index reference rate to a full Points Standard Index row at 1.5¢ per mile, up from the conservative 1¢ placeholder we had used pending proper sourcing (three independent Canadian valuations — Prince of Travel, Milesopedia, Frugal Flyer — converge at 1.5–1.6¢ for 2026). The Cathay World Elite Mastercard, the one card on our roster earning Asia Miles, was revalued accordingly: welcome-offer value $600 → $900 (60,000 miles at the new mark) and first-year net value $480 → $810. Its first-year-value score input was raised one band under the same anchor ladder used in our July 12 roster-wide re-score, preserving the existing specialist-currency adjustment (Standard Score 5.93 → 6.22). The new Asia Miles guide documents the valuation basis, including the April 2025 and May 2026 award-chart increases already reflected in the mark.
July 19, 2026 — BMO student card review corrected — SPC benefit removed, earn rate and welcome bonus updated: Our review of BMO's no-fee student cash-back Mastercard was out of date. It described the welcome as a free Student Price Card (SPC) membership and listed the earn as only 1% on recurring bills and 0.5% on everything else. BMO's current card carries no SPC membership — the BMO–SPC partnership has ended — and earns 3% on groceries and 1% on recurring bill payments (each to a $500/month spend cap) plus 0.5% on all other purchases, with an intro offer of 5% cash back for the first three months (up to roughly $100). We corrected the card name (the SPC branding is gone), the welcome bonus (welcome value $10 → $100), the earn table (the 3% grocery rate had been missing entirely), and the benefits (SPC retailer discounts replaced by the card's Instacart+ credit and National/Alamo car-rental discounts), and added its purchase-protection and extended-warranty coverage. The first-year-value and ongoing-value score inputs were raised to reflect the stronger earn (firstYearValue 4 → 5, ongoingValue 4.5 → 5.5). BMO bot-walls automated verification, so current terms were confirmed against multiple independent 2026 sources (Milesopedia, creditcardGenius, Forbes Advisor); the exact welcome cap varies by source ($100–$125) and we took the conservative figure.
July 15, 2026 — Amex Business Edge review removed — card closed to new applications since August 2024: Our review of the Amex Business Edge Card has been taken down. A scheduled availability check confirmed American Express closed the card to new applications on August 27, 2024 — nearly two years before our review went live — yet our page still carried an apply link. The same check found the review's core specs did not match closure-era records of the card (sources describe a $99 annual fee and 3x bonus categories; we listed no fee and 2x categories). Because Amex no longer publishes a product page to verify against, we removed the review rather than patch it. If it returns, it will be as a clearly marked closed-card archive entry with re-verified terms. Existing cardholders are unaffected — the card still works; it simply cannot be applied for.
July 12, 2026 — First-year value re-score (ten cards) — Standard Score input consistency: Our methodology audit found the firstYearValue input — the judgment score that tracks a card’s realistic year-one dollar value — had drifted out of step across the roster: cards with comparable first-year economics carried this input as much as two points apart. We adopted a single anchor ladder (first-year net-value bands, with documented adjustments where a weak or locked point currency makes the headline points overstate the value) and re-scored the ten clearest outliers in one pass. Lowered: TD First Class Travel Visa Infinite (Standard Score 6.60 → 6.00 — its bonus pays in TD Rewards at ~0.5¢, the biggest overstatement), RBC British Airways Visa Infinite (6.68 → 6.38, after two 2026 Avios devaluations), Amex SimplyCash Preferred (7.65 → 7.35), Amex Aeroplan Card (6.83 → 6.53), Scotiabank Momentum Visa Infinite (7.33 → 7.02), Scotiabank Platinum Amex (6.78 → 6.48), Amex Aeroplan Reserve (7.65 → 7.35 — its record 150,000-point offer still leads the field, but it no longer outscores the higher-net Amex Platinum on this input), and TD Aeroplan Visa Infinite (7.38 → 7.22). Raised, where the old input understated the card relative to peers: RBC Avion Visa Infinite (7.17 → 7.33) and Amex Green Card (4.78 → 5.22). No weights changed and no published dollar figures changed — only the judgment input, applied openly rather than silently.
July 12, 2026 — Rogers Red World Elite earn rate (review and several posts): We described the card as paying an unconditional 2% cash back on all purchases. Rogers Bank’s published terms condition the 2% on holding an eligible Rogers, Fido, or Shaw service — without one, the non-USD rate is 1.5% (the 3% USD rate is unconditional). The review’s earn table, first-year value ($360 → $285, now computed at the unconditional 1.5%), and ongoing-value score input were corrected (Standard Score 7.08 → 6.97), and every post and comparison that repeated the flat-2% claim now states the condition. The card’s 1.5x redemption bonus against Rogers purchases, previously garbled in our earn table, is now described accurately as a benefit.
July 12, 2026 — Lounge benefits (five reviews): A source-verification pass on every lounge-access card found four errors in our copy. CIBC Aventura Visa Infinite Privilege: we said unlimited Visa Airport Companion visits; the benefit is six per year. Scotiabank Passport Visa Infinite: we said Priority Pass; the card now uses Visa Airport Companion (same six visits). National Bank World Elite: we said “four annual lounge passes”; the actual benefit is unlimited access to National Bank’s own lounge at Montréal-Trudeau plus a pay-per-visit DragonPass membership. Neo World Elite: we described “real lounge access via DragonPass”; the membership includes no complimentary visits — every entry costs US$32 — so the review no longer carries the lounge-access badge and its perk-usability input was trimmed (Standard Score 5.50 → 5.42). The Amex Platinum reviews also now note the visit caps Amex has announced for January 2027.
July 11, 2026 — BMO Ascend World Elite review: We listed the base earn rate as 2 points per dollar; BMO’s published rate is 1 point per dollar outside the bonus categories. Corrected, and the category caps (5x on the first $15,000 of travel, 3x on the first $10,000 per category) were added here and on three other reviews (SimplyCash Preferred, Momentum Visa Infinite, MBNA Rewards World Elite) where our copy omitted them. The Ascend’s ongoing-value score input was lowered accordingly (Standard Score 6.65 → 6.55).
July 11, 2026 — Standard Score inputs (three cards): Consistency fixes from our methodology audit, applied openly rather than silently: Scotiabank Passport Visa Infinite first-year input raised (score 7.15 → 7.45) and its Privilege sibling lowered (6.83 → 6.53) — the pair was inverted relative to their actual first-year economics; CIBC Dividend Visa’s redemption-flexibility input aligned with the Dividend Visa Infinite’s, since the redemption mechanics are identical (score 5.07 → 5.38); Amex Gold Rewards first-year input lowered to reflect the corrected 60,000-point public offer (7.78 → 7.47).
July 11, 2026 — Amex Gold Rewards review: We listed the welcome offer as up to 90,000 MR points (~$1,800). That figure is the referral-only offer; the public offer is up to 60,000 points (~$1,200). The review, first-year value, and every page citing the bonus have been corrected.
July 11, 2026 — WestJet points guide and redemption post: Our copy still described WestJet Dollars and said taxes and fees are always paid in cash. WestJet replaced Dollars with WestJet points (1:100) in April 2025, and points can now cover taxes and fees at 105–110 points per dollar. The valuation (a fixed 1¢ per point) was and remains correct; the mechanics copy was out of date.
July 11, 2026 — No-FX rankings: The Brim World Elite, Rogers Red World Elite, and Rogers Platinum Mastercards appeared on our no-foreign-transaction-fee page despite charging FX fees (Brim caps its fee at 1.5%; the Rogers cards offset the fee with USD earn rates rather than waiving it). All three have been removed from that ranking; their reviews already stated the fees correctly.

Update cadence

This is what actually runs, not what we aspire to. If something here stops being true, it belongs in the corrections log like any other error.

Weekly, every Monday: three automated jobs. A source monitor re-fetches issuer pages and diffs them against what we publish; a freshness check flags cards coming due for re-verification; an offer alert flags welcome bonuses approaching their end date. None of them edits a card — each one raises work for a person to do.
Monthly: Point Valuation Index refresh.
Whenever a card changes: Standard Scores and every ranking that uses them recompute from the card’s data. There is no separate ranking pass that could fall behind it.
Per card: each review carries its own Last reviewed date, which is the only date that tells you when that card’s numbers were last checked against the issuer. We don’t advance it on a card whose figures we couldn’t actually read.