Credit Card Tune-Up - Canada
Find credit card rewards for your expenses
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Content Updated: 08/08/2019
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Advertiser Disclosure

Many of the card offers that appear on this site are from companies from which Credit Card Tune-Up receives a commission for new cardmembers (e.g. Barclays, American Express, etc.), though many offers are from companies with which there is no such partnership (e.g. PenFed, Fort Knox FCU, Navy FCU, First National Bank, etc.). However, these commissions do not impact how or where products appear on this site, including the order in which they appear. Other factors, such as our own proprietary website rules (e.g. reward currency valuations) do impact how and where products appear on this site. The Credit Card Tune-Up calculation engine does not include the entire universe of available credit card offers.


Overview

It can be daunting to choose reward credit cards that are right for you. Credit card companies offer dozens of competing cards and their reward structures for cashback, frequent flier miles, and points are a complex mix of categories, tiers, limits, and earning percentages.

The Credit Card Tune-Up calculator makes all of that easy. Just choose your filter criteria in the box on the right, plug in how much you spend each month, and press the Recalculate button. You'll then be presented with a list of the cards in our calculation engine sorted in descending order by the expected value of your first-year rewards minus any annual fee. All reward types -- miles, points, cashback -- are converted into dollars for an easy apples-to-apples comparison. You can hover over a calculated dollar amount to see any details about how points or miles are valued for that card. Note that these valuations are based on our research and not assigned by the card companies.

If having more than one of the credit cards in our database and using each card for its more-rewarding categories will earn you a greater annual reward, then those best combinations are shown in the columns labeled "Best N-Card Combo" — up to as many as "Best 3-Card Combo". (Note that when calculating card combination rewards our tool conservatively assumes you'll only earn any initial bonuses from one card in the combination, even though it may be possible to simultaneously earn bonuses from more than one of the cards in that set.)

Usage Tips

  • Only the "Total you spend per month" amount is required, but entering your expenses by category can make a significant difference in possible rewards. Since there is no "Other" category, don't worry about having your category amounts add up to your total amount; the calculator figures out your "Other" spending for you.
  • To apply for credit cards or read the terms and conditions, you can click on the card name link or "Apply Now" button. Also, applying for credit cards through the category links above helps support this web site.
  • For a detailed explanation of any credit card, category, or reward amount, hover your mouse pointer over that item. Card detail bullets can also be toggled with the "Show Details" button.
  • To exclude a credit card from the "Best N-Card Combo" results (those with amounts highlighted in green), check its checkbox in the "Omit Card from Calc?" column and press the Recalculate button.
  What country do you live in?
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  Total you spend per month:$
     Gas Stations:$     Restaurants:$
     Supermarkets:$     Amazon.com:$
     Drug Stores:$     Wholesale Clubs:$
     Department Stores:$     Utilities:$
     Cable, Internet, and Landline:$     Wireless Phone (except Verizon):$
     Airfare:$     Hotels:$
     Cruises, Tours, & Travel Agents:$     Vehicle Renters:$
     Movie Theaters & Entertainment:$     Computer & Electronics Stores:$
     Office Supply Stores:$     Courier, Postal, and Freight:$
Omit
Card
from
Calc?
Credit Card Name
(and link to card details and application)
First Year Net Reward Value (minus annual fee) Best
2-Card Combo
Best
3-Card Combo
More Details
and Apply for Card
Show Details  BMO® World Elite™ Mastercard® $824.00$644.00$524.00Apply Now
  • Limited Time: $150 annual fee waiver in the first year*
  • Welcome Offer: Get 35,000 welcome points (after you spend $3,000 in the first 3 months)*
  • Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases
  • Get 2 points for every $1 spent everywhere else*
  • Points you can use to cover all flight charges & taxes*
  • Fly on any airline, with no blackout dates*
  • Earn 2 BMO Reward points for every $1 you spend on the card
  • Best-in-class travel and medical insurance (unlimited trips per year)*
  • VIP airport lounge access (over $200 US/year value)*
  • BMO Concierge Service*
The first-year annual fee that was subtracted from the first-year reward value of this card is $150.
Show Details  Scotiabank®* Gold American Express® Card $753.00Apply Now
  • Earn 15,000 bonus points with your first $1000 in everyday purchases in the first 3 months*
  • Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Rates, fees and other information are effective as of March 1, 2018. Subject to change.
The first-year annual fee that was subtracted from the first-year reward value of this card is $99.
Show Details  SimplyCash™ Preferred Card from American Express $657.00Apply Now
  • New SimplyCash™ Preferred Card from American Express Cardmembers can earn 5% cash back on all eligible purchases (up to $300 cash back) for the first 6 months of Cardmembership
  • Earn 2.0% cash back when your Welcome Rate ends
  • Optional Balance Transfer Offer - Enjoy a 1.99% interest in first 6 months of Cardmembership if you choose to transfer your other credit card balances to this American Express card
  • Balance Transfer option is only available at time of online application. There is no balance transfer fee at time of application
  • No limit to the amount of cash back you can earn after your Welcome Rate ends
  • Access to memorable experiences with American Express Invites®
  • Extensive insurance coverage and 24/7 Customer Service
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Offer subject to change without notice.
The first-year annual fee that was subtracted from the first-year reward value of this card is $99.
Show Details  MBNA Rewards World Elite Mastercard® credit card $587.00Apply Now
  • Get all the features of the MBNA Rewards card with more earning potential
  • Earn 2 MBNA Rewards points for every $1 in eligible purchases‡
  • Get 10,000 bonus points after your first eligible purchase††
  • No limit to the points that can be earned in a year, points don't expire
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • Enjoy price protection and concierge services
  • $89 annual fee
  • Take advantage of a credit card that rewards you for who you are. Apply below for the MBNA Rewards World Elite® Mastercard® credit card
The first-year annual fee that was subtracted from the first-year reward value of this card is $89.
Show Details  BMO SPC® CashBack® Mastercard® $576.00Apply Now
  • Welcome offer: Get 4% cash back in your first 4 months
  • Earn 1% CashBack on ALL card purchases* without restrictions!*
  • No Annual fee*
  • Extended Warranty*
  • Purchase Protection*
  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores*
  • *Terms and conditions apply
Show Details  Scotia Momentum® Visa Infinite* Card $558.00$360.00$360.00Apply Now
  • First year annual fee waived
  • 4% on eligible gas station and grocery store purchases
  • 2% on eligible drug store purchases and recurring bill payments
  • 1% cash back on all other eligible purchases
  • Rates, fees and other information are effective as of March 1, 2018. Subject to change.
Show Details  BMO® CashBack® World Elite®* Mastercard®* $534.00Apply Now
  • Get up to $150 CashBack Bonus (Receive $50 in CashBack rewards after your first purchase, plus an additional $100 when you spend $3,000 in the first three months.)
  • Earn 1.75% CashBack on ALL card purchases - without restrictions!
  • Complimentary Roadside Assistance Program
  • BMO CashBack World Elite Travel and Medical Protection
  • Extended Warranty Plus
  • Purchase Protection Plus
  • FREE additional cards
  • BMO Concierge Service
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
  • *Terms and conditions apply
The first-year annual fee that was subtracted from the first-year reward value of this card is $120.
Show Details  American Express® Gold Rewards Card $478.00Apply Now
  • New American Express® Gold Rewards* Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of Cardmembership.
  • That's enough to redeem for a round-trip Fixed Mileage Flight Reward™* to almost anywhere in North America.
  • Transfer your points 1:1 to Aeroplan®*. You can also transfer your points to other frequent flyer and hotel rewards programs.
  • Earn 2 points for every $1 on eligible travel and everyday purchases. Earn 1 point for every $1 in Card purchases everywhere else.
  • Charge any eligible purchase to your Card then log in to redeem your points for a statement credit.
  • Book flights within Canada or to destinations around the world for a fixed amount of points with the Fixed Points Travel Program. You can book any airline, fly any day, and even book right up to a day before departure.
  • 1 Free Supplementary Gold Rewards Card (a $50 value*) to help you earn points faster.
  • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
  • * American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
The first-year annual fee that was subtracted from the first-year reward value of this card is $150.
Show Details  Blue Sky® Credit Card $460.00Apply Now
  • New Blue Sky Credit Card Cardmembers, earn 10,000 Blue Sky® Points after you charge $500 in purchases to your Card in your first three months of Cardmembership.
  • Earn 1.25 Blue Sky Points for every $1 in purchases charged to the Card
  • You can start redeeming with as little as 10,000 points towards any travel purchase charged to your Card
  • Enjoy the convenience of no blackout dates, no advance purchase requirements, no seat restrictions and no travel restrictions.
  • $100,000 Travel Accident Insurance
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
Show Details  BMO® Rewards Mastercard® $453.00Apply Now
  • Welcome offer: Get 10,000 welcome points after your first card purchase and an additional 10,000 points when you spend $1,000 in the first 3 months and a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred
  • Get 1 BMO Rewards point for every $1 spent*
  • Earn faster with additional cardholders
  • Apply rewards toward the retail price of flights, hotels and more without mark-ups when you book through the BMO Reward Center*
  • Get up to 25% off car rentals at National® Car Rental and Alamo® Rent A Car locations worldwide
  • Extended Warranty
  • Purchase Protection
  • Zero Dollar Liability: protects you from unauthorized use of your credit card*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
The first-year annual fee that was subtracted from the first-year reward value of this card is $35.
Show Details  SimplyCash™ Card from American Express $435.00$150.00Apply Now
  • New SimplyCash™ Card from American Express Cardmembers can earn 2.5% cash back on purchases (up to $150 cash back) for the first 3 months of Cardmembership.
  • Earn 1.25% cash back on all other purchases when your Welcome Rate ends
  • No limit to the amount of cash back you can earn
  • Optional Balance Transfer Offer to new Cardmembers - Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application. There is no balance transfer fee at time of application.
  • No annual fee for Supplementary Cards
  • Access to memorable experiences with American Express Invites®
  • Insurance coverage and 24/7 Customer Service
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
Show Details  BMO AIR MILES® World Elite® Mastercard® $393.68Apply Now
  • Welcome Offer: Get 2,000 AIR MILES Bonus Miles after your first card purchase.
  • Earn 1 AIR MILES reward mile for every $10 that you spend on your credit card.
  • Exclusive 15% Flight Discount on all AIR MILES flights in North America with no blackout periods.
  • Out of Country/ Out of province Emergency Medical Coverage.
  • *Terms and conditions apply
The first-year annual fee that was subtracted from the first-year reward value of this card is $120.
Show Details  Capital One® Aspire Travel™ Platinum Mastercard® $388.00Apply Now
  • Earn reward miles - with no annual fee!
  • No limit to the amount of miles you can earn
  • Earn 1 reward mile for every $1 spent - on all purchases
  • One-time bonus of 10,000 miles - equal to $100 in travel - once you spend $500 on purchases within the first 3 months2
  • Book your own trip - including the hotel, airline or rental car of your choice - then redeem your reward miles for your travel expenses
  • Pay for the taxes on your travel with your miles
  • No blackout dates or hidden fees
  • Redeem for travel, cash or gift cards
  • Add an authorized user for $0 and earn even more miles with their purchases
Show Details  The American Express® AIR MILES®* Platinum Credit Card $379.21Apply Now
  • New American Express® AIR MILES®* Platinum Credit Card Cardmembers, earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $1,500 in purchases to your Card within your first three months of Cardmembership. That's enough for a select flight.
  • Earn 1 reward mile for every $10 in Card purchases at AIR MILES®* Sponsors
  • Earn 1 reward mile for every $10 in Card purchases at other eligible grocery stores, gas stations, and drugstores in Canada
  • Plus, earn 1 reward mile for every $15 in Card purchases everywhere else
  • Enjoy a special 0% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application. A 1% balance transfer fee will be charged on the transaction amount and interest is payable on the amount of this fee at the applicable rate for purchase.
  • Shop at participating AIR MILES Sponsors across Canada with your Card and show your AIR MILES®* Collector Card, and you can earn reward miles twice
  • More than 1000 rewards to choose from! Redeem for a wide range of rewards - everything from movie tickets to electronics, travel and more
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
The first-year annual fee that was subtracted from the first-year reward value of this card is $65.
Show Details  Scotia Momentum® VISA* card $378.00Apply Now
  • 2.99% introductory interest rate on balance transfers for the first 6 months
  • Cash back with low annual fee
  • 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 1% cash back on all other eligible purchases
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Show Details  BMO® CashBack® Mastercard®* $363.00Apply Now
  • Limited time: Get up to $75 cash back rewards*
  • Earn 1% CashBack on ALL card purchases* without restrictions!*
  • No Annual fee*
  • Receive a discount on car rentals*
  • Extended Warranty*
  • Purchase Protection*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
  • *Terms and conditions apply
Show Details  Tangerine Money-Back Credit Card (with grocery, restaurants, & gas as bonus categories) $351.00Apply Now
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.5% Money-Back Rewards on all other purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • New applicants receive 1.95% interest on balance transfers made within 30 days of your account opening. The 1.95% promotional rate will remain in effect for the first 6 months.*
  • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.
  • Orange Alerts are emailed to you so that you're up-to-date on what's happening in your Account.
Show Details  Scotiabank®* American Express® Card $338.00Apply Now
  • Earn 5,000 Scotia Rewards bonus points with your first $500 in everyday purchases in the first three months*
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Show Details  Best Western Mastercard® credit card $292.80Apply Now
  • Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡
  • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡
  • Earn 20,000 Best Western Rewards® points†† on your first purchase — enough for a free night stay
  • You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year◊◊
  • No limit to the Best Western Rewards® points that can be earned using the credit card in a year
  • Use your Best Western Rewards® points in many ways — hotel stays, elite status upgrades◊◊, dining, airfare, gift cards and more.
  • You could get a 1.99% promotional annual interest rate ("AIR") for 10 months on balance transfers [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50)
Show Details  Capital One® Aspire Cash™ Platinum Mastercard® $288.00Apply Now
  • Earn cash rewards and pay no annual fee!
  • Earn 1% cash rewards on all net purchases
  • No limit to the amount of cash you can earn
  • Add an authorized user for $0
Show Details  SCENE® VISA* card $262.40Apply Now
  • SPECIAL OFFER: 4,000 BONUS SCENE points - that's enough for 4 FREE movies for accounts opened by October 31, 2016.
  • Earn 1 SCENE point for every $1 you spend.
  • Earn 5 SCENE points for every $1 you spend at participating Cineplex Entertainment theatres or online at cineplex.com.
  • Redeem for free movies, music, & other entertainment rewards starting at just 1,000 points.
  • No annual fee
Show Details  ScotiaGold Passport® VISA* card $228.00Apply Now
  • Earn 5,000 bonus points upon your first purchase
  • Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday purchases
  • 5% cash back on travel purchased through Scotia Rewards Flexible Point Redemption
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
The first-year annual fee that was subtracted from the first-year reward value of this card is $110.
Show Details  The American Express® AIR MILES®* Credit Card $204.21Apply Now
  • New American Express® AIR MILES®* Credit Card Cardmembers, earn a Welcome Bonus of 500 AIR MILES®* Reward Miles when you charge a total of $500 in purchases to your Card within your first three months of Cardmembership.
  • Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors
  • Earn 1 reward mile for every $20 in Card purchases you charge to the Card everywhere else.
  • Shop at participating AIR MILES Sponsors across Canada with your Card and show your AIR MILES®* Collector Card, and you can earn reward miles twice
  • Redeem for a wide range of rewards - everything from electronics to travel and more
  • Have the flexibility to pay your balance off in full or over time
  • Optional Balance Transfer Offer to new Cardmembers - Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application. There is no balance transfer fee at time of application.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
Show Details  BMO AIR MILES® Mastercard® $204.21Apply Now
  • Welcome Offer: Get 500 AIR MILES Bonus Miles*
  • Then get 1 reward mile for every $20 in purchases*
  • Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred*
  • Double dip at AIR MILES sponsored locations*
  • No Annual fee*
  • Receive a discount on car rentals*
  • Extended Warranty*
  • Purchase Protection*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
  • *Terms and conditions apply
Show Details  BMO SPC® AIR MILES® Mastercard® $204.21Apply Now
  • Welcome offer: Earn 500 Bonus AIR MILES Bonus Miles*
  • 1 AIR MILES reward mile for every $20 that you spend on your credit card*
  • No Annual fee*
  • Extended Warranty*
  • Purchase Protection*
  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores*
  • *Terms and conditions apply
Show Details  Scotia Momentum® No-Fee VISA* card $189.00Apply Now
  • 7.99% introductory interest rate on purchases for the first 6 months
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of November 1, 2017. Subject to change.
Show Details  The American Express® Platinum Card® $161.00Apply Now
  • New Platinum Card® Cardmembers, earn 50,000 Bonus Membership Rewards® points by spending $3,000 in purchases in the first three months of Cardmembership
  • Platinum members earn 1.25 Membership Rewards® points for every dollar in purchases charged to the Card and automatically enrolled in the Membership Rewards First™ Tier
  • You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service
  • Relax in more than 1,100 airport lounges worldwide. Enjoy access to the following partner lounges and benefits: Canadian Platinum Lounge Benefit, Delta Sky Club, The Centurion  Lounge network, and Priority Pass™ membership
  • You will also have access to many leading hotel and car rental companies' loyalty programs. Our partners include Starwood® Hotels & Resorts, Hilton Hotels and Resorts, Radisson Hotel Group, Hertz and Avis.
  • Platinum Cardmembers can enjoy access to special events and unique opportunities and a dedicated Concierge team
  • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
  • $175 annual fee for supplementary card.
The first-year annual fee that was subtracted from the first-year reward value of this card is $699.
Show Details  Harley-Davidson® Mastercard® credit card $144.00Apply Now
  • You could get a 1.99% promotional annual interest rate ("AIR") for 10 months on balance transfers [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50)
  • Earn 1 Genuine Rewards Point or every $2 in eligible purchases‡
  • Redeem your points for Harley Chrome® Cash‡ to be used at participating Harley-Davidson Canadian retailers
  • Use your card for eligible purchases and you may be entered in a quarterly Harley-Davidson motorcycle draw‡
  • No annual fee
Show Details  Scotiabank® Rewards VISA* card $144.00Apply Now
  • Earn 1 Scotia Rewards points for every $2 you spend
  • Extraordinary travel benefits
  • Flexible Point Redemption
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Receive up to 25% off qualifying car rentals
  • Redeem points for merchandise and other rewards
Show Details  No-Fee ScotiaGold® VISA* Card $0.00Apply Now
  • Essential travel benefits with no annual fee
  • Rental Car Collision Insurance 
  • 20% Discount at AVIS Car Rental
  • Commission-free travellers cheques
  • No annual fee
Best First Year Reward Value (minus any annual fee)$824.00$1004.00$1034.00
Best First Year Reward Percentage (of total spending)2.86%3.49%3.59%
Additional Reward Value for Using an Additional Card$180.00$30.00
Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
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Content Updated: 08/08/2019

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