Interactive calculator

Find your highest yielding card, automatically.

Drag the range sliders below to adjust your household budget. Our engine runs dynamic scoring calculations across all 72 Canadian credit cards in real-time.

Monthly Spending

Enter your average monthly credit card transactions

Groceries$800/mo

$0$1,000$2,000

Dining / Delivery$350/mo

$0$500$1,000

Gas / EV Transit$220/mo

$0$400$800

Recurring Bills$280/mo

$0$750$1,500

Travel & Flights$180/mo

$0$1,000$2,000

Other Purchases$370/mo

$0$1,000$2,000

Spending Presets

Total Annual Spend

$26,400/yr

Rewards Mode

Filter

Your #1 MatchThe Platinum Card

Adjusting sliders modifies returns. This card returns the highest CAD yield of $2,509 per year.

CAD Net Value

+$2,509

PlatinumAMEX

—AMERICAN EXPRESS

The Platinum Card

American Express · Amex

Up to 100,000 MR pts

+$2,509

Annual Fee: $799Welcome bonus: +$2000

Apply →Full review

GoldAMEX

—AMERICAN EXPRESS

American Express Gold Rewards Card

American Express · Amex

Up to 75,000 MR pts

+$2,096

Annual Fee: $250Welcome bonus: +$1500

Apply →Full review

Aero ReserveAMEX

—AMERICAN EXPRESS

American Express Aeroplan Reserve Card

American Express · Amex

Up to 90,000 Aeroplan pts

+$2,076

Annual Fee: $599Welcome bonus: +$1350

Apply →Full review

AeroplanVISA

—VISA

TD Aeroplan Visa Infinite Privilege Card

TD · Visa

Up to 100,000 Aeroplan pts

+$2,070

Annual Fee: $599Welcome bonus: +$1500

Apply →Full review

BMO VIPorterMASTERCARD

—MASTERCARD

BMO VIPorter World Elite Mastercard

BMO · Mastercard

VIPorter benefits

+$1,945

Annual Fee: $199 (First Year Waived)Welcome bonus: +$1050

Apply →Full review

eclipse VIPVISA

—VISA

BMO eclipse Visa Infinite Privilege Card

BMO · Visa

Up to 200,000 pts

+$1,922

Annual Fee: $399Welcome bonus: +$1340

Apply →Full review

AeroplanVISA

—VISA

CIBC Aeroplan Visa Infinite Privilege Card

CIBC · Visa

Up to 80,000 Aeroplan pts

+$1,770

Annual Fee: $599Welcome bonus: +$1200

Apply →Full review

TD FirstVISA

—VISA

TD First Class Travel Visa Infinite Card

TD · Visa

Up to 165,000 TD pts

+$1,458

Annual Fee: $139 (First Year Waived)Welcome bonus: +$825

Apply →Full review

HSBC WorldMASTERCARD

—MASTERCARD

HSBC World Elite Mastercard

HSBC Canada · Mastercard

Up to 100,000 pts

+$1,442

Annual Fee: $149Welcome bonus: +$1000

Apply →Full review

American ExpressAMEX

—AMERICAN EXPRESS

American Express Business Edge Card

American Express · Amex

Up to 50,000 MR pts

+$1,359

Annual Fee: $199Welcome bonus: +$1000

Apply →Full review

AvionVISA

—VISA

RBC Avion Visa Infinite Privilege Card

RBC · Visa

Up to 75,000 Avion pts

+$1,340

Annual Fee: $399Welcome bonus: +$750

Apply →Full review

AscendMASTERCARD

—MASTERCARD

BMO Ascend World Elite Mastercard

BMO · Mastercard

Up to 115,000 pts

+$1,338

Annual Fee: $150 (First Year Waived)Welcome bonus: +$771

Apply →Full review

CashBack WEMASTERCARD

—MASTERCARD

BMO CashBack World Elite Mastercard

BMO · Mastercard

Up to $480 bonus CB

+$1,310

Annual Fee: $120 (First Year Waived)Welcome bonus: +$480

Apply →Full review

eclipse VIVISA

—VISA

BMO eclipse Visa Infinite Card

BMO · Visa

Up to 70,000 pts

+$1,284

Annual Fee: $120 (First Year Waived)Welcome bonus: +$469

Apply →Full review

CobaltAMEX

—AMERICAN EXPRESS

American Express Cobalt Card

American Express · Amex

Up to 30,000 MR pts

+$1,214

Annual Fee: $155.88Welcome bonus: +$600

Apply →Full review

How our calculations work

We decompose your category spending profiles, mapping multipliers dynamically to individual points values in CAD (e.g. Aeroplan = 1.5¢, Scene+ = 1.0¢, cash = 100%). Net ongoing values subtract full fees, and Year-1 calculations include welcome payouts.

Full methodology →