DYNAMIC DESIGN LAB

Build your own Credit Card.

Adjust visual materials, reward multipliers, and premium insurances. Our cost simulator estimates your card's annual fee in real time, letting you test your design against actual Canadian cards.

TOPRATES METALLICVisa

METAL MATRIX

GAUTAM KHOSLA

EXP 05/31

Lab Valuation Metrics

4.6 / 5.0 Rating

Gross Annual Rewards+$1,277At $2,420/mo spend

Perks Utility Value+$235Lounges & insurance suites

Simulated Annual Fee-$293Card issuer issuance cost

Personalized Net Value

Gross gains minus annual fee

+$1,219/yr

Bo's Issuer Math Tip

Banks make money on merchant interchange fees (~1.5% to 2.5%). If you build a card returning 5% cash back on everything for a $0 fee, no bank could remain solvent! Try adjusting your multipliers to match a realistic premium annual fee bracket ($120 - $150).

Aesthetic Visual Styling

Configure card materials, engraving name, and card colors

Custom Card Title

Cardholder Name

Card Material & Build

Foil Coating Gradient

Payment Network Integration

Points & Multipliers Builder

Select reward currencies and customize earn rates per category

Premium Insurances & Perks

Select airport lounge access options and travel insurance coverages

Household Monthly Spend Profile

Adjust your real budget inputs to customize annual dollar yield

Live Database Comparison

Can your design Beat the Canadian Banks?

We processed your custom rewards rate and perk profile against the seeded credit cards in our database. Here is how your design performs side-by-side against the best actual cards available in Canada for your budget.

Card Feature Spec	Your Custom Card Design	24% Match Neo World Elite Mastercard	15% Match Neo World Mastercard	15% Match Neo Secured Mastercard
Ongoing Net Annual Value	+$1,219	+$949.2	+$885.6	+$853.8
TopRates Score Rating	4.6 / 5.0	3.0 / 5.0	3.0 / 5.0	3.0 / 5.0
Annual Fee spec	$293	$0	$0	$0
Points Currency Program	Aeroplan	Cash Back	Cash Back	Cash Back
Grocery Rate	2x	5%	5%	5%
Dining Rate	3x	5%	5%	5%
Gas & EV Rate	2x	5%	5%	5%
Transit Rate	2x	1x	1x	1x
Travel Rate	4x	2%	1%	0.5%
Recurring Bills	2x	2%	1%	0.5%
Base Earn Rate	1x	1x	1x	1x
Lounge Access Passes	6 Passes/yr	—	—	—
FX Mark-up Fee	0% (No FX Fees)	0% (No FX Fees)	2.5% Fee	2.5% Fee
Action Links		Apply Now Read Review	Apply Now Read Review	Apply Now Read Review