Enter what you spend in a typical month. We'll show you the top cards for your spending, with the math — and which one puts the most dollars back in your pocket after annual fees.
Rough numbers are fine. We update results as you type.
American Express · AMEX · $192/yr annual fee
Based on 53,640 Membership Rewards earned per year.
American Express Cobalt Card
American Express · $192/yr · Best for dining & takeout (5×)
$613
/yr after fees
Simplii Financial Cash Back Visa
Simplii Financial · No fee · Best for dining & takeout (4×)
$446
/yr after fees
Scotiabank Gold American Express
Scotiabank · $120/yr · Best for dining & takeout (5×)
$428
/yr after fees
SimplyCash Preferred Card from Amex
American Express · $120/yr · Best for groceries (4×)
$406
/yr after fees
Neo World Elite Mastercard
Neo Financial · $125/yr · Best for groceries (5×)
$378
/yr after fees
Every Canadian credit card has earn rates — how many points or how much cash back you get per dollar, broken down by category. A card like the Amex Cobalt pays 5× on groceries and dining; a card like the CIBC Aventura Visa Infinite pays 2× on gas and 1.5× on groceries. The right card depends on what you actually spend on.
We take your monthly spending, multiply it out to a year, apply each card's earn rate by category, then multiply by the typical redemption value per point. We subtract the annual fee. What's left is what the card genuinely earns you — ranked high to low.
The catalog covers 35+ Canadian cards from Amex, TD, RBC, Scotia, CIBC, BMO, and National Bank — fee and no-fee, Visa, Mastercard, and Amex. We don't include cards that aren't available to Canadian residents.
Yes. No signup, no email, no paywall. If you want to track cards you already own, set expiry alerts, and get personalized picks over time, that's what the free app does — but the calculator stands alone.
We use each program's typical redemption value (Aeroplan ≈ 1.5¢, Amex MR ≈ 1.5¢, cashback = 1¢, etc.). Your actual value can be higher or lower depending on how you redeem. For big travel redemptions Aeroplan can be worth 3–8¢ per point; for toasters it's closer to 0.5¢. Treat the numbers as a strong baseline, not a promise.
No — welcome bonuses are one-time, and they distort the comparison if you're picking a card to keep long-term. We rank by ongoing earn minus annual fee. The app's welcome-bonus tracker (in Plus) handles the short-term math separately.
Because for most Canadians with typical grocery + dining + gas spending, it actually is the best card. If your mix is very different — heavy travel, heavy transit, or you want cashback simplicity — the ranking shifts. Try different splits and see.
No. These are estimates based on publicly available earn rates and typical redemption values. Always read the fine print on any card before applying — fees, minimum income requirements, and bonus categories can change.