Which card should I use?
Find a wallet that fits your spending and the journeys you actually take.
Annual value = rewards − conversion costs − annual fees + useful lounge visits
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WALLET FINDER
How many cards fit your life?
Choose an upper limit. Compare recurring value after annual fees; fewer cards may be better.
Markets you can apply in · Search within
Eligibility, merchant acceptance and approval are your responsibility. Welcome bonuses, interest, free-night certificates, status and statement credits are excluded. Cards modeled only at base rates can be undervalued.
01 / Monthly spending
Enter each purchase once. CAD assumes Canadian merchants, USD US merchants and TWD Taiwanese merchants. Brand-specific rows replace their general category; do not enter the same grocery, pharmacy or flight purchase twice. Amounts exclude card fees and reimbursed purchases.
| Category | CAD | USD | TWD |
|---|---|---|---|
| Loblaw-banner groceries | |||
| Shoppers / Pharmaprix | |||
| WestJet · booked direct | |||
| Groceries | |||
| Dining & delivery | |||
| Gas & EV charging | |||
| Transit & rideshare | |||
| Travel (general) | |||
| Marriott hotels | |||
| Hilton hotels | |||
| Air Canada | |||
| Hawaiian / Alaska | |||
| Streaming | |||
| Drugstores | |||
| Recurring bills | |||
| Entertainment | |||
| Online shopping | |||
| Shipping | |||
| Home improvement | |||
| Other flights · booked direct | |||
| Other hotels · booked direct | |||
| Hyatt · booked direct | |||
| Phone / internet / cable | |||
| Search / social advertising | |||
| Office supply stores | |||
| Everything else |
02 / Your wallet
Select a card to see what you would earn with it. Add or remove cards to see category recommendations change. Each selected card includes its configured annual fee. The starting selection is an example.
Canada 49
Standard annual fee: CAD 599.00
Standard annual fee: CAD 191.88
Standard annual fee: CAD 250.00
Standard annual fee: CAD 799.00
Standard annual fee: CAD 119.88
Standard annual fee: CAD 120.00
Standard annual fee: CAD 150.00
Standard annual fee: CAD 150.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 139.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 89.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 139.00
Standard annual fee: CAD 599.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 150.00
Standard annual fee: CAD 149.00
Standard annual fee: CAD 149.00
Standard annual fee: CAD 149.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 12.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 139.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 175.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 48.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 150.00
Standard annual fee: CAD 399.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 139.00
Standard annual fee: CAD 139.00
Standard annual fee: CAD 139.00
Standard annual fee: CAD 149.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 240.00
Standard annual fee: CAD 240.00
Standard annual fee: CAD 0.00
United States 31
Standard annual fee: USD 375.00
Standard annual fee: USD 895.00
Standard annual fee: USD 325.00
Standard annual fee: USD 895.00
Standard annual fee: USD 550.00
Standard annual fee: USD 0.00
Standard annual fee: USD 650.00
Standard annual fee: USD 125.00
Standard annual fee: USD 0.00
Standard annual fee: USD 195.00
Standard annual fee: USD 395.00
Standard annual fee: USD 99.00
Standard annual fee: USD 0.00
Standard annual fee: USD 95.00
Standard annual fee: USD 395.00
Standard annual fee: USD 0.00
Standard annual fee: USD 195.00
Standard annual fee: USD 0.00
Standard annual fee: USD 0.00
Standard annual fee: USD 0.00
Standard annual fee: USD 95.00
Standard annual fee: USD 0.00
Standard annual fee: USD 95.00
Standard annual fee: USD 795.00
Standard annual fee: USD 795.00
Standard annual fee: USD 95.00
Standard annual fee: USD 95.00
Standard annual fee: USD 0.00
Standard annual fee: USD 95.00
Standard annual fee: USD 0.00
Standard annual fee: USD 0.00
Taiwan 2
Standard annual fee: TWD 1,800.00
Standard annual fee: TWD 1,800.00
Japan/Korea/Thailand bonuses and promotional registrations need country-specific purchases; not modeled in CAD/USD/TWD columns.
03 / Point valuations
Amount in the displayed currency per ONE point. Example: USD 0.015 = 1.5 US cents. Defaults are estimates; zero is allowed. A transfer valuation does not make a card eligible to transfer.
Default: CAD 0.015
Owner's own redemptions vs CAD cash fares (1.3–1.7, default 1.5). For comparison: Prince of Travel values Aeroplan at 2.0 cents CAD (Q2 2026, lowered from 2.1); Milesopedia also 2.0 cents (values in effect since 2026-09-01). Published values are target/average-of-community figures and run higher than the owner's measured results.
Default: CAD 0.017
Default = Milesopedia 1.7 cents CAD (since 2026-09-01). High = Prince of Travel 2.2 cents CAD (Q2 2026), reflecting 1:1 Aeroplan/Avios/Flying Blue transfers; Fixed Points Travel up to ~2 cents at zone caps. Low = statement credit at 1.0 cent (1,000 pts = $10, travel or other purchases, per The Point Calculator / Milesopedia). Note: some Canadian MR cards (e.g. MR Select tier) do not transfer to airlines, so their realistic value sits near the 1.0 floor.
Default: USD 0.013
Default = NerdWallet 1.3 cents USD (Oct 2026, based on Avianca LifeMiles transfers). High = The Points Guy 2.0 cents (Oct 2026). Low = statement credit ~0.6 cents (NerdWallet); Amex Travel flights 1.0 cent.
Default: USD 0.014
Default/low = NerdWallet 1.4 cents USD (Oct 2026, award-flight data from Aug 2026). High = The Points Guy 1.55 cents (Oct 2026, Points Path data). Frequent Miler RRV 1.5 cents (Apr 2026). Prince of Travel lists 2.2 cents CAD (Q2 2026). No cash-out floor published, so cpp_low is the most conservative published award value, not a cash floor.
Default: CAD 0.006667
150 points per CAD 1 eligible travel redemption.
Default: CAD 0.01
100 points redeem for CAD 1; partner-specific multipliers are excluded.
Default: USD 0.013
Default = NerdWallet 1.3 cents USD (Oct 2026, based on Avianca LifeMiles transfers). High = The Points Guy 1.85 cents (Oct 2026). Low = cash back / statement credit at 0.5 cents (TPG); covering a travel purchase within 90 days or booking Capital One Travel = 1.0 cent (NerdWallet, TPG).
Default: CAD 0.01
cash — 1 program unit = 1 cent CAD by definition (1.5% cash back is rate 1.5). No external valuation needed.
Default: TWD 0.01
One reward unit equals TWD 0.01.
Default: USD 0.01
cash — 1 program unit = 1 cent USD by definition (1.5% cash back is rate 1.5). No external valuation needed.
Default: TWD 1
每 1 小樹點按 TWD 1 起算，兌換用途可能不同。
Default: USD 0.014
Default = NerdWallet 1.4 cents USD for Sapphire Preferred / Ink Preferred (Oct 2026; Sapphire Reserve 1.8). High = The Points Guy 2.05 cents (Oct 2026). Low = cash back / statement credit at 1.0 cent (NerdWallet). Cash-back-only cards (Freedom family) are worth 1.0 unless points are pooled to a Sapphire/Ink Preferred.
Default: USD 0.01
Cash redemption only. The main Chase UR valuation is used automatically when an eligible companion is selected in the same wallet.
Default: USD 0.01
Conservative cash-equivalent assumption; configure your own transfer value.
Default: CAD 0.01
Fixed value: Canadian Tire states 'Redeem CT Money $1 for $1' and earn as a percentage ('Earn 4% back in CT Money'), collected on the pre-tax amount. 1 program unit = 1 cent of CT Money, so '4% back' => rate 4. Milesopedia also lists CT$1 = $1. Caveat: only redeemable at Canadian Tire-family stores (Canadian Tire, Sport Chek, Mark's, Gas+, etc.), so it is worth less than cash to anyone who would not otherwise shop there.
Default: USD 0.006
Owner's own redemptions (0.52–0.8 cents USD, default 0.6). For comparison: The Points Guy 0.4 cents (Oct 2026, Gondola median data); NerdWallet 0.4 cents (Oct 2026); Prince of Travel 0.7 cents CAD (Q2 2026); Milesopedia 0.5 cents CAD. Owner's measured value is above the US published consensus.
Default: USD 0.007
Expressed in USD. Default/low = NerdWallet 0.7 cents USD (Oct 2026, down from 0.8 in 2025); high = The Points Guy 0.75 cents USD (Oct 2026, Gondola median). No cash-out floor (points have no statement-credit option worth considering). Canadian sources value in CAD: Prince of Travel 0.8 cents CAD (Q2 2026), Milesopedia 0.9 cents CAD (Aug 2026 article) / 1.0 cents CAD (table) — roughly consistent with the USD figures after FX. Canadian Amex Bonvoy cards earn the same points, so use this one USD valuation and convert.
Default: CAD 0.01
Travel redemption estimate; cash redemption is lower.
Default: CAD 0.009
Default = Milesopedia average 0.9 cents CAD (since 2026-09-01). High = Prince of Travel 1.0 cent (Q2 2026), matching travel booked through À la carte Travel (10,000 pts = $100). Low = 0.83 cents for travel booked elsewhere (statement credit) or financial products (RRSP/TFSA/mortgage, 12,000 pts = $100). Non-travel statement credits are only ~0.4 cents — avoid.
Default: CAD 0.001
10,000 points = CAD 10 at eligible stores; statement credit is lower (CAD 7/10,000). Ordinary loyalty points available with any payment method are excluded from card comparisons.
Default: CAD 0.017
Default = Milesopedia average value 1.7 cents CAD (raised from 1.5 on 2026-09-01). High = Prince of Travel 2.0 cents (Q2 2026); Air Travel Redemption Schedule tops out at 2.0–2.33 cents only when fares hit the zone cap. Low = statement credit / Avion Rewards Pay at 0.58 cents (1 cent on Avion Visa Infinite Privilege); RBC financial products 0.83 cents, gift cards ~0.71 cents.
Default: CAD 0.005814
Standalone travel redemption: 172 points per CAD 1. Selected Avion Elite companion unlocks the main Avion valuation.
Default: CAD 0.01
Prince of Travel values Scene+ at 1 cent CAD (Q2 2026 table and Scene+ program page, updated Oct 14, 2026); Milesopedia also 1 cent. 1 cent applies to travel (offset or portal), Empire-banner groceries (1,000 pts = $10) and Cineplex. Low = statement credit at ~0.7 cents.
Default: CAD 0.005
200 points = CAD 1 through Expedia for TD; other redemption methods can be lower. Editable scenario value.
Default: CAD 0.01
Issuer-stated fixed value: '$1 in rewards value for every 100 Vancity Rewards points' (1 cent CAD) for cash back toward the enviro Visa balance, loan payments, travel and gift cards. No independent published valuation found (Prince of Travel and Milesopedia do not list Vancity), so this rests on the issuer's own page only — medium confidence; no evidence of above-1-cent redemptions.
Default: USD 0.01
Cash-equivalent starting assumption; configure transfer value.
Default: CAD 0.01
100 WestJet points = CAD 1 travel value. Companion vouchers and checked baggage are excluded from this spending model.
Default: USD 0.015
Illustrative hotel redemption estimate, not a guaranteed cash value.
04 / Journeys & lounge access
Add actual departure opportunities, not every lounge you could visit. One row per departure/connection, repeated visits only for repeated trips. Confirm terminal access, operating hours and your enrolled card membership. Overlapping cards never count the same visit twice.
05 / Exchange rates & funding
Editable scenario rates, not a live quote. Choose CAD, USD or TWD in the results section. Enter positive FX rates.
Annual net value
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Where to use each card
Lounge coverage
Annual card fees
Model & limits
Monthly caps are annualized assuming steady monthly spending. Allocation uses a rate-first heuristic; shared caps can make it approximate. Lounge allocation prioritizes constrained destinations and may not maximize complex guest/visit combinations. Only complimentary person-visits count; paid guests, infant exceptions and earned spend-threshold guest privileges are excluded. Lounge value is an estimate of avoided spending, not cashback. All totals assume bills paid in full.
Card data & sources (83)
A curated CA / US / TW catalog, not every product on the market. Expand a card for modeled rates, omissions and issuer sources. Terms are an annualized snapshot, not a forecast of 2027 changes.
Browse by country → bank → card, or search across every group.
No cards match this search.
Canada50 cards
American Express8 cards
American Express Aeroplan ReserveCA · American Express · AeroplanCAD 599.00standard / year
Model notes: 2026 terms. Annual fee rises to CAD 799 on the first annual fee billing after January 2027; verify renewal. Maple Leaf access is for eligible flights in North America. Status and companion pass excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Air Canada: 3 units / CAD 1 · any
- Dining & delivery: 2 units / CAD 1 · domestic
- Everything else: 1.25 units / CAD 1 · any
Air Canada Maple Leaf (North America) · ∞ · guests 1
Official / supporting sources
American Express CobaltCA · American Express · American Express Membership Rewards (Canada)CAD 191.88standard / year
Model notes: Canadian eligible merchants only. CAD 2,500 monthly food cap; no travel bonus. Monthly spending is assumed steady.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 5 units / CAD 1 · domestic · CAD 2,500.00 / monthly
- Dining & delivery: 5 units / CAD 1 · domestic · CAD 2,500.00 / monthly
- Streaming: 3 units / CAD 1 · domestic
- Gas & EV charging: 2 units / CAD 1 · domestic
- Transit & rideshare: 2 units / CAD 1 · domestic
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
American Express Gold RewardsCA · American Express · American Express Membership Rewards (Canada)CAD 250.00standard / year
Model notes: Four Canadian Plaza Premium person-visits, shared with guests. Priority Pass membership alone does not include free visits. Travel credit not auto-valued.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 2 units / CAD 1 · domestic
- Gas & EV charging: 2 units / CAD 1 · domestic
- Drugstores: 2 units / CAD 1 · domestic
- Travel (general): 2 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
Plaza Premium (direct card benefit) · 4 · guests 10
Official / supporting sources
American Express Platinum (Canada)CA · American Express · American Express Membership Rewards (Canada)CAD 799.00standard / year
Model notes: 2026 lounge terms. Plaza Premium/Priority Pass caps change January 2027; this annualized scenario is not a forecast. Guest benefits conservatively excluded. Credits excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Dining & delivery: 2 units / CAD 1 · domestic
- Travel (general): 2 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
Priority Pass · ∞ · guests 0 / Plaza Premium (direct card benefit) · ∞ · guests 0 / Centurion · ∞ · guests 0
Official / supporting sources
SimplyCash PreferredCA · American Express · Cash back (CAD)CAD 119.88standard / year
Model notes: CAD 9.99 monthly fee outside Quebec. Grocery bonus capped at CAD 30,000/year. Quebec fee may differ; override actual fee.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 4 units / CAD 1 · domestic · CAD 30,000.00 / annual
- Gas & EV charging: 4 units / CAD 1 · domestic
- Everything else: 2 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
American Express Green CardCA · Amex Bank of Canada · American Express Membership Rewards (Canada)CAD 0.00standard / year
Model notes: Issuing country UNCONFIRMED: the cardholder closed this card and does not know whether it was the Canadian or the US American Express Green Card. This file describes the CANADIAN version. The US Green Card is a different product with a different fee, earn and program (amex-mr-us). Card is closed, so it is kept for history only. Canada: no annual fee, 21.99% purchases and funds advances. FX: the agreement confirms a conversion commission set in the information box, which could not be retrieved. The 2.5% is from Milesopedia (secondary). Not the same product as the 'American Express Card' (Green charge card), which has its own agreement.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
- American Express Green Card, Canada (official)
- American Express Green Card benefits, Canada (official)
- Membership Rewards Program Terms, Amex Bank of Canada 50500074 (10/26), Appendix 1 (official)
- Cobalt / Gold Rewards / Green Card Cardmember Agreement 50498176 (09/26) (official)
- Milesopedia (secondary, used only for the 2.5% FX figure)
Marriott Bonvoy American Express CardCA · Amex Bank of Canada · Marriott BonvoyCAD 120.00standard / year
Model notes: FX fee: the official Cardmember Agreement confirms foreign-currency charges carry a 'single conversion commission as specified in the information box and disclosure statement', but that information box could not be retrieved, and the product page would not load without a consent prompt. The 2.5% comes from Milesopedia (secondary) and matches the 2.5% Amex Canada states for the Platinum Card; confirm on a statement or the information box. No earn caps stated. 5x scope: the 5x clause names no country, but the program terms define 'eligible' as Amex merchants in Canada, so 5x at Marriott hotels outside Canada is not explicitly confirmed. Interest 21.99% purchases and funds advances. No fee for supplementary cards (max 9). Annual Free Night Award after each anniversary (up to 35,000 points), 15 Elite Night Credits per calendar year, automatic Silver Elite, Gold Elite after $30,000 net purchases a year (not modelled).
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Marriott hotels: 5 units / CAD 1 · any
- Everything else: 2 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Marriott Bonvoy Business American Express CardCA · Amex Bank of Canada · Marriott BonvoyCAD 150.00standard / year
Model notes: FX fee: the official agreement confirms a conversion commission set in the information box, which could not be retrieved. The 2.5% is from Milesopedia (secondary). The schema's 'travel' includes hotels, but this card's 3x travel excludes lodging. hotel_hilton is pinned to 2, and any other non-Marriott hotel should also be treated as 2. The 3x travel clause names no country, but the general program definition of 'eligible' says Amex merchants in Canada, so foreign travel and foreign Marriott earn are not explicitly confirmed. No earn caps stated. Interest 21.99% purchases and funds advances. Supplementary cards $50 each (max 99). Benefits page: Annual Free Night Award up to 35,000 points, 15 Elite Night Credits a year, automatic Silver Elite, Gold Elite after $30,000 net purchases (not modelled).
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Marriott hotels: 5 units / CAD 1 · any
- Gas & EV charging: 3 units / CAD 1 · domestic
- Dining & delivery: 3 units / CAD 1 · domestic
- Travel (general): 3 units / CAD 1 · any
- Hilton hotels: 2 units / CAD 1 · any
- Everything else: 2 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
- Amex Canada, Compare Marriott Bonvoy credit cards (official)
- Marriott Bonvoy Business American Express Card (official)
- Marriott Bonvoy Business Card benefits (official)
- Marriott Bonvoy Business Amex Cardmember Agreement 50498176 (09/26) (official)
- Milesopedia (secondary, used only for the 2.5% FX figure)
BMO4 cards
BMO Ascend World Elite MastercardCA · BMO · BMO RewardsCAD 150.00standard / year
Model notes: Four DragonPass person-visits per calendar year; enrollment and lounge confirmation required. CAD 15,000 annual travel cap; separate CAD 10,000 caps for dining, entertainment and recurring bills. Fee rebate and statement credits not assumed.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Travel (general): 5 units / CAD 1 · any · CAD 15,000.00 / annual
- Dining & delivery: 3 units / CAD 1 · any · CAD 10,000.00 / annual
- Entertainment: 3 units / CAD 1 · any · CAD 10,000.00 / annual
- Recurring bills: 3 units / CAD 1 · any · CAD 10,000.00 / annual
- Everything else: 1 units / CAD 1 · any
DragonPass / Visa Airport Companion · 4 · guests 10
Official / supporting sources
BMO CashBack MastercardCA · BMO · Cash back (CAD)CAD 0.00standard / year
Model notes: Canadian merchant bonuses only. Each statement-cycle cap is annualized assuming steady monthly purchases; introductory bonus excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 3 units / CAD 1 · domestic · CAD 500.00 / monthly
- Recurring bills: 1 units / CAD 1 · domestic · CAD 500.00 / monthly
- Everything else: 0.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
BMO CashBack World Elite MastercardCA · BMO · Cash back (CAD)CAD 139.00standard / year
Model notes: Monthly caps annualized assuming steady monthly spend. First-year fee rebate is not automatic.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 5 units / CAD 1 · domestic · CAD 500.00 / monthly
- Transit & rideshare: 4 units / CAD 1 · domestic · CAD 300.00 / monthly
- Gas & EV charging: 3 units / CAD 1 · domestic · CAD 300.00 / monthly
- Recurring bills: 2 units / CAD 1 · domestic · CAD 500.00 / monthly
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
BMO eclipse Visa InfiniteCA · BMO · BMO RewardsCAD 120.00standard / year
Model notes: Canadian merchant bonus categories share CAD 50,000/year. Authorized-user 10% point boost, lifestyle credit and portal offers excluded. Annualized recurring value. Welcome bonuses, first-year cash-back matching and automatic fee rebates are excluded; set the actual fee to zero if you qualify.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Dining & delivery: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Gas & EV charging: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Transit & rideshare: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Brim Financial1 card
Brim World Elite MastercardCA · Brim Financial · Brim RewardsCAD 89.00standard / year
Model notes: Current issuer terms show 1 point/CAD 1 and 1.5% FX, rather than older 2% earning / zero-FX claims. Travel Pass membership is paid-entry access, so no complimentary lounge value is counted.
FX fee: 1.5% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Canadian Tire Bank1 card
Triangle World Elite MastercardCA · Canadian Tire Bank · Canadian Tire Money (Triangle Rewards)CAD 0.00standard / year
Model notes: NOT modelled as categories because they are merchant-specific, not category-wide: (1) 4% back in CT Money on almost everything at Canadian Tire, Sport Chek, Mark's, L'Equipeur, Party City, Atmosphere and other Canadian Tire-family banners. These stores sell automotive, sporting goods, clothing and housewares, and the 4% does NOT apply at other home-improvement stores (Home Depot, RONA, Home Hardware), so mapping it to home_improvement would overstate the card. Per the footnotes, 4% = the Triangle Rewards everyday 10x (0.4%) plus a 30x cardholder bonus. No cap is stated on the 4%. (2) Fuel: 7 cents/L in CT Money on premium and 5 cents/L on other grades at Gas+ and Petro-Canada (whole litres, rounded down; rate can vary by location). This is per litre, not a percentage. Other gas stations earn the 1% base. No annual fee. Income requirement: $80,000 personal or $150,000 household. FX fee: the 'Mastercard conversion rate plus 2.5%' disclosure sits under the 'Information for the Triangle Mastercard' heading. No separate World Elite disclosure was found, so 2.5% is assumed and confidence is medium. Footnote 2 also mentions a '1.5% and 3%' rate on the first $12,000, which conflicts with the headline 3%. 3% is used here. CT Money is redeemable only at Canadian Tire-family stores.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Groceries: 3 units / CAD 1 · any · CAD 12,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Capital One2 cards
Capital One Quicksilver World Elite Mastercard (Canada)CA · Capital One · Cash back (CAD)CAD 0.00standard / year
Model notes: Steady-state 3% groceries/fuel and 1% other purchases; first-year matching excluded. Costco/Walmart are not eligible groceries. World and World Elite have different eligibility/insurance; avoid treating identical reward variants as two needed cards.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 3 units / CAD 1 · any
- Gas & EV charging: 3 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Capital One Quicksilver World Mastercard (Canada)CA · Capital One · Cash back (CAD)CAD 0.00standard / year
Model notes: Steady-state 3% groceries/fuel and 1% other purchases; first-year matching excluded. Costco/Walmart are not eligible groceries. World and World Elite have different eligibility/insurance; avoid treating identical reward variants as two needed cards.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 3 units / CAD 1 · any
- Gas & EV charging: 3 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
CIBC4 cards
CIBC Aeroplan Visa InfiniteCA · CIBC · AeroplanCAD 139.00standard / year
Model notes: 2026 fee; CAD 159 effective January 12, 2027. No lounge value assumed. Airline status and baggage benefits excluded. Issuer cap counts all account purchases; this bonus-category pool is an approximation when non-bonus spending is large.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Gas & EV charging: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Air Canada: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
CIBC Aeroplan Visa Infinite PrivilegeCA · CIBC · AeroplanCAD 599.00standard / year
Model notes: CAD 699 effective January 12, 2027. Six DragonPass person-visits plus eligible North American Maple Leaf lounges. Registration/flight rules apply. Cap counts all account purchases; bonus-category pool is an approximation for mixed spending.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Gas & EV charging: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Travel (general): 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Dining & delivery: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Air Canada: 2 units / CAD 1 · any · CAD 100,000.00 / annual
- Everything else: 1.25 units / CAD 1 · any
DragonPass / Visa Airport Companion · 6 · guests 10 / Air Canada Maple Leaf (North America) · ∞ · guests 1
Official / supporting sources
CIBC Dividend Visa InfiniteCA · CIBC · Cash back (CAD)CAD 120.00standard / year
Model notes: 4%/2% categories share CAD 20,000 in annual bonus spending. The additional CAD 50,000 all-account-purchase cutoff is not modeled, so large wallets can overestimate this card. Expedia-only bonuses excluded. Annualized recurring value. Welcome bonuses, first-year cash-back matching and automatic fee rebates are excluded; set the actual fee to zero if you qualify.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 4 units / CAD 1 · any · CAD 20,000.00 / annual
- Gas & EV charging: 4 units / CAD 1 · any · CAD 20,000.00 / annual
- Dining & delivery: 2 units / CAD 1 · any · CAD 20,000.00 / annual
- Transit & rideshare: 2 units / CAD 1 · any · CAD 20,000.00 / annual
- Recurring bills: 2 units / CAD 1 · any · CAD 20,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Simplii Financial Cash Back VisaCA · Simplii Financial (CIBC) · Cash back (CAD)CAD 0.00standard / year
Model notes: Dining capped at CAD 5,000/year; fuel, grocery, pharmacy and pre-authorized payments share CAD 15,000/year. Introductory rates excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Dining & delivery: 4 units / CAD 1 · any · CAD 5,000.00 / annual
- Groceries: 1.5 units / CAD 1 · any · CAD 15,000.00 / annual
- Gas & EV charging: 1.5 units / CAD 1 · any · CAD 15,000.00 / annual
- Drugstores: 1.5 units / CAD 1 · any · CAD 15,000.00 / annual
- Recurring bills: 1.5 units / CAD 1 · any · CAD 15,000.00 / annual
- Everything else: 0.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Equitable Bank (EQ Bank)1 card
EQ Bank CardCA · Equitable Bank (EQ Bank) · Cash back (CAD)CAD 0.00standard / year
Model notes: EQ calls it a 'prepaid reloadable card', and its press release says 'prepaid reloadable Mastercard issued by Equitable Bank'. It is loaded from, and linked to, the EQ Bank Personal Account, and the card balance earns the same interest as that account. No monthly or annual fees. No foreign transaction fee: the Mastercard Currency Conversion rate applies with no markup. EQ reimburses ATM fees charged in Canada, but not ATM-operator fees abroad.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 0.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
MBNA1 card
MBNA Rewards World Elite MastercardCA · MBNA · MBNA RewardsCAD 120.00standard / year
Model notes: CAD 50,000 cap per bonus category. Household utilities/membership bonuses and birthday bonus excluded because mixed recurring bills cannot reliably identify eligible merchants.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 5 units / CAD 1 · any · CAD 50,000.00 / annual
- Dining & delivery: 5 units / CAD 1 · any · CAD 50,000.00 / annual
- Streaming: 5 units / CAD 1 · any · CAD 50,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
National Bank of Canada1 card
National Bank World Elite MastercardCA · National Bank of Canada · National Bank À la carte RewardsCAD 150.00standard / year
Model notes: 2 pts/$ also on travel booked through the À la carte Travel agency on the rewards site (not modelled, since general travel earns 1x). Each purchase earns in one category only, whichever rate is best. Additional card has an annual fee, but the amount didn't render on the official page (unverified). FX 2.5% is NBC's general credit card rate (help centre); the card agreement points to a summary table that couldn't be retrieved. Income requirement $80k personal or $150k household. Up to $150 per calendar year in travel expense reimbursements (parking, baggage, seat selection, lounge, upgrades).
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Groceries: 5 units / CAD 1 · any · CAD 2,500.00 / monthly
- Dining & delivery: 5 units / CAD 1 · any · CAD 2,500.00 / monthly
- Groceries: 2 units / CAD 1 · any
- Dining & delivery: 2 units / CAD 1 · any
- Gas & EV charging: 2 units / CAD 1 · any
- Recurring bills: 2 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
National Bank Lounge · ∞ · guests 1
Official / supporting sources
Neo Financial3 cards
Neo World Elite Mastercard · EverywhereCA · Neo Financial · Cash back (CAD)CAD 149.00standard / year
Model notes: Unboosted category rates and monthly caps. Uses 3% FX before optional Grow reimbursement; no fee rebate or balance-dependent bonus assumed. Paid lounge membership is not complimentary entry.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 2 units / CAD 1 · any · CAD 4,000.00 / monthly
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Neo World Elite Mastercard · Gas & GroceryCA · Neo Financial · Cash back (CAD)CAD 149.00standard / year
Model notes: Unboosted category rates and monthly caps. Uses 3% FX before optional Grow reimbursement; no fee rebate or balance-dependent bonus assumed. Paid lounge membership is not complimentary entry.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 5 units / CAD 1 · any · CAD 1,000.00 / monthly
- Gas & EV charging: 3 units / CAD 1 · any · CAD 1,000.00 / monthly
- Recurring bills: 4 units / CAD 1 · any · CAD 500.00 / monthly
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Neo World Elite Mastercard · Shop & DineCA · Neo Financial · Cash back (CAD)CAD 149.00standard / year
Model notes: Unboosted category rates and monthly caps. Retail-shopping-only 3% is excluded because the online-shopping row can include ineligible Amazon and wholesale purchases. Uses 3% FX before optional Grow reimbursement; no fee rebate or balance-dependent bonus assumed. Paid lounge membership is not complimentary entry.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Dining & delivery: 5 units / CAD 1 · any · CAD 1,000.00 / monthly
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
PC Financial1 card
PC World Elite MastercardCA · PC Financial · PC OptimumCAD 0.00standard / year
Model notes: Card-attributable points only: 30/$ at participating Loblaw banners and Shoppers, 10/$ elsewhere. Shoppers advertises 45/$ total, but 15 loyalty points are earned regardless of payment and excluded here. Per-litre Esso/Mobil bonuses and personalized offers excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Loblaw-banner groceries: 30 units / CAD 1 · domestic
- Shoppers / Pharmaprix: 30 units / CAD 1 · domestic
- Everything else: 10 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Peoples Trust Company1 card
PayPower Prepaid MastercardCA · Peoples Trust Company · Cash back (CAD)CAD 12.00standard / year
Model notes: UNVERIFIED AGAINST OFFICIAL TERMS: paypower.ca is a JavaScript-only app, so none of its fee or terms pages could be read. Every figure here comes from third-party sources dated 2026. What it is: a Mastercard prepaid card issued by Peoples Trust Company under licence from Mastercard (not a credit card), bought or loaded at retailers and now mainly issued as a digital reloadable card in the PayPower app (the physical black reloadable card is reported as discontinued). annual_fee = 12 assumes the reported $1/month maintenance fee on the digital reloadable card. The old physical reloadable card was $4.95/month. FX: 3% of the converted amount (several sources agree). Reported load fees: $6.95 for an in-store/cash load, online debit $3.95, online credit $4.95 (Amex not accepted), Interac e-Transfer $1, direct deposit free. On the cardholder's belief: $6.95 matches the in-store load fee, but $500 is the maximum per load transaction (loads run from $20 up to $500), not a fixed increment. Other reported fees: bill payment $1.95 (with daily/7-day/30-day caps), domestic ATM $1.95. One source says in-store loads at Canada Post end Dec 3, 2026. Check the PayPower app before relying on any of this.
FX fee: 3% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 0 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
- PayPower Limits and Fees (official; JavaScript app, content could not be read 2026-10-23)
- Reloadable PayPower Prepaid Mastercard Cardholder Agreement (official; could not be read 2026-10-23)
- Savvy New Canadians PayPower review (updated Sept 1, 2026), third-party
- Frugal Flyer PayPower guide (updated Sept 22, 2026), third-party, issuer = Peoples Trust Company
- Perkfox PayPower digital card guide (updated Oct 9, 2026), third-party
RBC6 cards
RBC Cash Back Preferred World Elite MastercardCA · RBC · Cash back (CAD)CAD 120.00standard / year
Model notes: Uses the current issuer page: CAD 120/year, 3% eligible categories and 1% other purchases. Older CAD 99 / flat 1.5% versions are not used. Gaming and merchant promotions excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 3 units / CAD 1 · any
- Dining & delivery: 3 units / CAD 1 · any
- Gas & EV charging: 3 units / CAD 1 · any
- Transit & rideshare: 3 units / CAD 1 · any
- Streaming: 3 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
WestJet RBC World Elite MastercardCA · RBC · WestJet RewardsCAD 139.00standard / year
Model notes: Use the WestJet direct row for airline purchases. Companion voucher, checked bags, airline status, optional voucher-to-lounge exchanges and banking relationship offers excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- WestJet · booked direct: 2 units / CAD 1 · any
- Groceries: 2 units / CAD 1 · any
- Gas & EV charging: 2 units / CAD 1 · any
- Transit & rideshare: 2 units / CAD 1 · any
- Everything else: 1.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
RBC Avion Visa InfiniteCA · RBC Royal Bank · RBC Avion RewardsCAD 120.00standard / year
Model notes: Additional card $50. FX: 2.5% over RBC benchmark rate (Avion disclosure PDF dated 05/2022; same 2.5% wording in RBC's 11/2025 ION application). Income requirement $60k personal or $100k household. Welcome offer (apply by Nov 25, 2026): 35,000 pts on approval, 20,000 after $5,000 spend in 6 months, 15,000 one-time anniversary bonus. No earn caps stated.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Travel (general): 1.25 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
RBC Avion Visa Infinite BusinessCA · RBC Royal Bank · RBC Avion RewardsCAD 175.00standard / year
Model notes: Additional cards $75 each (max 9). The $75,000 cap counts ALL net purchases per card. 20% bonus Avion points at Petro-Canada with a linked card (not modelled). The Hertz 3X offer ended Feb 7, 2024. Current offer (Aug 25 to Nov 30, 2026): first-year fee waived for the primary owner; bonus points tied to $5,000 spend in 3 months and another $15,000 in 6 months. The page's welcome-point amounts are inconsistent (25k+20k vs 35k).
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 1.25 units / CAD 1 · any · CAD 75,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
RBC ION VisaCA · RBC Royal Bank · RBC Avion Select · ION / ION+ aloneCAD 0.00standard / year
Model notes: No caps stated. Welcome offer (apply by Nov 4, 2026): 7,000 pts on approval plus 7,000 after $500 in first 3 months.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Groceries: 1.5 units / CAD 1 · any
- Gas & EV charging: 1.5 units / CAD 1 · any
- Transit & rideshare: 1.5 units / CAD 1 · any
- Streaming: 1.5 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
RBC ION+ VisaCA · RBC Royal Bank · RBC Avion Select · ION / ION+ aloneCAD 48.00standard / year
Model notes: Annual fee $48, advertised as '$4/month'; the official page doesn't say whether it is billed monthly or yearly. Fee rebated for eligible RBC Signature No Limit Banking / student account holders. No caps stated on 3X. FX 2.5% is inferred: no ION+-specific official document stating it could be retrieved (RBC's 11/2025 ION Visa application and other RBC disclosures all state 2.5% over benchmark). Welcome offer (apply by Nov 4, 2026): 7,000 pts on approval, 14,000 after $1,500 in 6 months, 7,000 anniversary bonus.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Groceries: 3 units / CAD 1 · any
- Dining & delivery: 3 units / CAD 1 · any
- Gas & EV charging: 3 units / CAD 1 · any
- Transit & rideshare: 3 units / CAD 1 · any
- Streaming: 3 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Rogers Bank1 card
Rogers Red World Elite MastercardCA · Rogers Bank · Cash back (CAD)CAD 0.00standard / year
Model notes: Cardholder claim VERIFIED: without a Rogers/Fido/Shaw service the base rate is 1.5% (2% requires >=1 qualifying postpaid consumer service in good standing). USD purchases earn 3% regardless of service status. No minimum annual spend: the former $15,000 requirement was removed April 9, 2024. No annual fee. NEW since Aug 4, 2026: $61,000 Annual Cap on Annual Spend (anniversary year). At or above the cap, all eligible purchases earn 1.5 points per $1. The legal text says this equals a 'Rewards value of 1%', but the tables in the same documents say 1.5% and points redeem at $0.01 each, so 1.5% is used here. For a non-Rogers customer the cap therefore only removes the 3% USD rate. The product page still says 'unlimited' and doesn't mention the cap. From Nov 18, 2026: 5% on Eligible Rogers Purchases (irrelevant without Rogers services) and the 1.5x Rogers redemption bonus is removed; trip cancellation/interruption/delay insurance is also removed. Redemption minimum $10.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 3 units / CAD 1 · foreign · CAD 61,000.00 / annual
- Everything else: 1.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
- Rogers Red World Elite Mastercard (official product page)
- Rogers Red World Elite Mastercard Benefits Guide (08/2026), s.4 earn rates, s.13 Annual Cap $61,000
- Rogers Bank change notice (Annual Cap $61,000, effective Aug 4, 2026)
- Rogers Red World Elite upcoming changes (effective Nov 18, 2026)
- Rogers Bank Disclosure Summary (08/2026), FX 2.5% (0% only on Red World Legend)
- Rogers World Elite change notice, $15,000 minimum annual spend removed April 9, 2024
Scotiabank5 cards
Scotia Momentum Visa Infinite +CA · Scotiabank · Cash back (CAD)CAD 120.00standard / year
Model notes: Each tier shares its annual cap. Food-delivery-only 2% is excluded because the dining row includes restaurants. Rent and tax payments are not assumed eligible recurring bills. Annualized recurring value. Welcome bonuses, first-year cash-back matching and automatic fee rebates are excluded; set the actual fee to zero if you qualify.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 4 units / CAD 1 · any · CAD 25,000.00 / annual
- Recurring bills: 4 units / CAD 1 · any · CAD 25,000.00 / annual
- Gas & EV charging: 2 units / CAD 1 · any · CAD 25,000.00 / annual
- Transit & rideshare: 2 units / CAD 1 · any · CAD 25,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Scotiabank Gold American ExpressCA · Scotiabank · Scene+CAD 120.00standard / year
Model notes: Canadian bonus categories only; CAD 50,000 shared annual cap. Selected grocers earn 6x; that merchant-specific extra point is not modeled.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Dining & delivery: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Entertainment: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Gas & EV charging: 3 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Transit & rideshare: 3 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Streaming: 3 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Scotiabank Passport Visa Infinite +CA · Scotiabank · Scene+CAD 150.00standard / year
Model notes: Six DragonPass person-visits, registration required. Check the specific lounge in Visa Airport Companion. Selected merchant bonuses, travel credit and annual spend bonus excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 2 units / CAD 1 · any · CAD 50,000.00 / annual
- Dining & delivery: 2 units / CAD 1 · any · CAD 50,000.00 / annual
- Entertainment: 2 units / CAD 1 · any · CAD 50,000.00 / annual
- Transit & rideshare: 2 units / CAD 1 · any · CAD 50,000.00 / annual
- Everything else: 1 units / CAD 1 · any
DragonPass / Visa Airport Companion · 6 · guests 10
Official / supporting sources
Scotiabank Platinum American ExpressCA · Scotiabank · Scene+CAD 399.00standard / year
Model notes: Priority Pass: ten shared person-visits per membership year. Extra-card visits are not included. Portal multipliers excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 2 units / CAD 1 · any
Priority Pass · 10 · guests 9
Official / supporting sources
Scotiabank Scene+ Visa CardCA · Scotiabank · Scene+CAD 0.00standard / year
Model notes: 2 Scene+ points per $1 applies only at specific merchants, not whole categories, so those rates are not modelled as category rules (a 'grocery 2x' rule would wrongly cover Save-On, Superstore, T&T, Costco and similar): (1) eligible Sobeys-family grocers: Sobeys, Safeway, participating IGA, Foodland and participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Bery, Les Marches Tradition, and Voila by Sobeys/Safeway/IGA (list may change without notice); (2) Home Hardware and Home Building Centre; (3) Cineplex theatres and cineplex.com. No annual fee for the primary or additional cards. Purchase APR 21.99%, cash advance APR 22.99%. 2.5% foreign currency conversion fee (the card is not on Scotia's exempt list). Welcome offer: up to 5,000 bonus points (2,500 after $250 spend plus 2,500 after $1,000 spend in the first 3 months) for accounts opened July 2 - Nov 1, 2026. Not available to anyone who held a Scotiabank personal credit card in the past 2 years.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Tangerine2 cards
Tangerine Money-Back World MastercardCA · Tangerine · Cash back (CAD)CAD 0.00standard / year
Model notes: Modeled with grocery and restaurant as the two chosen categories. Third savings-account category not assumed; category elections must match your account.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 2 units / CAD 1 · any
- Dining & delivery: 2 units / CAD 1 · any
- Everything else: 0.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Tangerine Rewards World Elite MastercardCA · Tangerine · Scene+CAD 120.00standard / year
Model notes: Modeled with grocery, restaurant and gas as your three chosen categories; elections must match your account. Four shared DragonPass person-visits after enrollment. Annual spend bonus and merchant/portal bonuses excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 1.5 units / CAD 1 · any
- Dining & delivery: 1.5 units / CAD 1 · any
- Gas & EV charging: 1.5 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
DragonPass / Visa Airport Companion · 4 · guests 10
Official / supporting sources
TD4 cards
TD Aeroplan Visa InfiniteCA · TD · AeroplanCAD 139.00standard / year
Model notes: Current standard fee; announced CAD 159 renewal change not assumed here. Verify your actual fee. No complimentary lounge access assumed.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Gas & EV charging: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Air Canada: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
TD Cash Back Visa InfiniteCA · TD · Cash back (CAD)CAD 139.00standard / year
Model notes: Transit means public transit, not all rideshare purchases. Streaming and recurring bills share one cap; groceries, fuel and public transit each have separate caps. Annualized recurring value. Welcome bonuses, first-year cash-back matching and automatic fee rebates are excluded; set the actual fee to zero if you qualify.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 3 units / CAD 1 · any · CAD 15,000.00 / annual
- Gas & EV charging: 3 units / CAD 1 · any · CAD 15,000.00 / annual
- Transit & rideshare: 3 units / CAD 1 · any · CAD 15,000.00 / annual
- Recurring bills: 3 units / CAD 1 · any · CAD 15,000.00 / annual
- Streaming: 3 units / CAD 1 · any · CAD 15,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
TD First Class Travel Visa InfiniteCA · TD · TD RewardsCAD 139.00standard / year
Model notes: Public-transit-only bonus approximates the broader transit row. Portal-only 8x, birthday bonus, travel credit and welcome offers excluded. Four shared DragonPass person-visits require enrollment and a verified lounge.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 6 units / CAD 1 · any · CAD 25,000.00 / annual
- Dining & delivery: 6 units / CAD 1 · any · CAD 25,000.00 / annual
- Transit & rideshare: 6 units / CAD 1 · any · CAD 25,000.00 / annual
- Recurring bills: 4 units / CAD 1 · any · CAD 25,000.00 / annual
- Streaming: 4 units / CAD 1 · any · CAD 25,000.00 / annual
- Everything else: 2 units / CAD 1 · any
DragonPass / Visa Airport Companion · 4 · guests 3
Official / supporting sources
TD Aeroplan Visa Business CardCA · TD Canada Trust · AeroplanCAD 149.00standard / year
Model notes: Earn rates and the cap are high confidence, confirmed on both the TD product page and the Cardholder Agreement. One $80,000 annual cap is shared by the 2x Air Canada and all 1.5x categories, after which spend earns 1. EV charging (business use) earns 1.5, but the schema's 'gas' category also covers gas stations, which earn 1, so no gas rule is set. Hyatt: 2 points per $1 at participating Hyatt properties (in place of base, separate $80,000 cap, July 15 2026 to July 15 2029), plus 1 World of Hyatt point per $1. Not modelled, so Hyatt falls under travel at 1.5. FX fee: the agreement says conversion is at the Visa rate plus a fixed percentage shown in the Disclosure Statement, which could not be retrieved. 2.5% is from Milesopedia and matches TD's official 2.5% for the TD Aeroplan Visa Infinite. Interest 14.99% purchases and 22.99% cash advances. Additional cardholder $49. TD FAQ: the annual fee rises to $169 (additional $54) effective January 25, 2027, with new benefits from January 12, 2027 (FLY15OFF, $50/yr AC Wallet credit, 4th night/day free). Lounge pass per $10,000 net purchases (max 4/yr), 1,000 SQC per $20,000 (max 25,000).
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Air Canada: 2 units / CAD 1 · any · CAD 80,000.00 / annual
- Travel (general): 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Transit & rideshare: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Dining & delivery: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Shipping: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Recurring bills: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Online shopping: 1 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
- TD Aeroplan Visa Business Card (official product page)
- TD Aeroplan Visa Business Cardholder Agreement (official, linked from td.com/businessagreements)
- TD Aeroplan Visa Business Card FAQ, 2027 changes (official)
- TD notice of change, EV charging added to 1.5x (official)
- Milesopedia (secondary, used only for the 2.5% FX figure)
Vancity (Vancouver City Savings Credit Union)1 card
Vancity enviro Visa Infinite cardCA · Vancity (Vancouver City Savings Credit Union) · Vancity RewardsCAD 120.00standard / year
Model notes: This is the rewards version: $120 annual fee, 19.50% APR. The separate 'Low Interest Rate plus Vancity Rewards' version costs $145 at 11.25% APR. Full annual-fee rebate for the primary Total Chequing Account holder, and new cardholders get two annual-fee rebates (years 1-2). Additional cards are $50 each. Not modelled: 10 points per $1 at select local partners (named: Modo, JJ Bean, Fresh Prep; the list may change), and 'double points' on flights, hotels and car rentals booked through rewards.vancity.com. FX: Visa exchange rate plus a 2.5% administration fee. Eligibility: BC resident, 19+, and one of: $60,000 personal income, $100,000 household income, $15,000 annual card spend, or $250,000+ investable assets. Cash-back redemption needs a Vancity deposit account.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Groceries: 2.5 units / CAD 1 · any
- Transit & rideshare: 5 units / CAD 1 · any
- Everything else: 1.25 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Wealthsimple3 cards
Wealthsimple Visa Infinite +CA · Wealthsimple · Cash back (CAD)CAD 240.00standard / year
Model notes: CAD 20 monthly fee annualized. A qualifying deposit/assets waiver must be entered as actual annual fee 0; no waiver assumed. Privilege includes six shared person-visits after enrollment; the Infinite + variant does not automatically inherit them. Temporary boosted offers excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 2 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Wealthsimple Visa Infinite PrivilegeCA · Wealthsimple · Cash back (CAD)CAD 240.00standard / year
Model notes: CAD 20 monthly fee annualized. A qualifying deposit/assets waiver must be entered as actual annual fee 0; no waiver assumed. Privilege includes six shared person-visits after enrollment; the Infinite + variant does not automatically inherit them. Temporary boosted offers excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 2 units / CAD 1 · any
DragonPass / Visa Airport Companion · 6 · guests 5
Official / supporting sources
Wealthsimple Visa Platinum Prepaid CardCA · Wealthsimple · Cash back (CAD)CAD 0.00standard / year
Model notes: Cash back does NOT depend on client tier. Core, Premium and Generation tiers change the chequing interest rate, not the card earn rate, and the personal prepaid card earns 0% for every tier. Wealthsimple's cash-back card is now the Wealthsimple Visa Infinite credit card (2% on net purchases, a separate product). The prepaid BUSINESS Visa earns 1% on eligible purchases, but it is a business product that excludes bill payments and pre-authorized debits. Wealthsimple is moving clients in phases from the Wealthsimple Prepaid Mastercard (issued by KOHO Financial Inc.) to the Wealthsimple Visa Platinum Prepaid Card. Once a client switches, the Mastercard is locked. The Visa's legal issuer is not named on the pages read. No FX fee (the network conversion rate still applies), no monthly or annual fee, and ATM fees are reimbursed worldwide. Medium confidence: the personal card's marketing page (wealthsimple.com/en-ca/card) could not be fetched. The 0% comes from the official Help Centre.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 0 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
- Wealthsimple Help Centre, prepaid card cash back (0% since Oct 1, 2025)
- Wealthsimple Help Centre, move from prepaid Mastercard to Visa Platinum Prepaid
- Wealthsimple Chequing (official), no FX fee, no ATM fees, no monthly fees
- Wealthsimple Help Centre, 1% cash back on the prepaid BUSINESS Visa card (not this card)
United States31 cards
American Express10 cards
American Express Business Gold (US)US · American Express · American Express Membership Rewards (US)USD 375.00standard / year
Model notes: Conservative BASE-RATE model: 4x on top two eligible US categories (USD 150,000 shared annual cap) is not modeled because actual category ranking changes with allocation. Do not use this base-only comparison to dismiss its business value.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
American Express Business Platinum (US)US · American Express · American Express Membership Rewards (US)USD 895.00standard / year
Model notes: Eligible US shipping/construction categories only. USD 5,000 individual-purchase bonus and technology merchants not identifiable from monthly totals; excluded. Portal flight/hotel bonuses and credits excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Shipping: 2 units / USD 1 · domestic · USD 2,000,000.00 / annual
- Home improvement: 2 units / USD 1 · domestic · USD 2,000,000.00 / annual
- Everything else: 1 units / USD 1 · any
Priority Pass · ∞ · guests 2 / Centurion · ∞ · guests 0 / Plaza Premium (direct card benefit) · ∞ · guests 0
Official / supporting sources
American Express Gold (US)US · American Express · American Express Membership Rewards (US)USD 325.00standard / year
Model notes: Direct airline bookings. US supermarkets only. Dining and grocery caps separate; prepaid portal hotels and statement credits excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Dining & delivery: 4 units / USD 1 · any · USD 50,000.00 / annual
- Groceries: 4 units / USD 1 · domestic · USD 25,000.00 / annual
- Other flights · booked direct: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
American Express Platinum (US)US · American Express · American Express Membership Rewards (US)USD 895.00standard / year
Model notes: Direct airline flights only. Centurion guests excluded unless USD 75,000 qualification is separately met. Delta and other conditional networks not assumed. PP enrollment required. Credits excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Other flights · booked direct: 5 units / USD 1 · any · USD 500,000.00 / annual
- Everything else: 1 units / USD 1 · any
Priority Pass · ∞ · guests 2 / Centurion · ∞ · guests 0 / Plaza Premium (direct card benefit) · ∞ · guests 0
Official / supporting sources
Hilton Honors American Express AspireUS · American Express · Hilton HonorsUSD 550.00standard / year
Model notes: No Priority Pass benefit assumed. US dining only. Direct rental-car bonus, status, resort/airline credits and free nights excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Hilton hotels: 14 units / USD 1 · any
- Other flights · booked direct: 7 units / USD 1 · any
- Dining & delivery: 7 units / USD 1 · domestic
- Everything else: 3 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Hilton Honors American Express CardUS · American Express · Hilton HonorsUSD 0.00standard / year
Model notes: No earning caps stated on the official page. Includes Hilton Honors Silver status (20% bonus on base points, not modelled); Gold status after $20,000 in eligible purchases in a calendar year. No free night benefit.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Hilton hotels: 7 units / USD 1 · any
- Dining & delivery: 5 units / USD 1 · domestic
- Groceries: 5 units / USD 1 · domestic
- Gas & EV charging: 5 units / USD 1 · domestic
- Everything else: 3 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Marriott Bonvoy Brilliant American ExpressUS · American Express · Marriott BonvoyUSD 650.00standard / year
Model notes: Only card-earned points; hotel membership points excluded. Free night, status and dining credits not auto-valued. PP enrollment required.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Marriott hotels: 6 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Other flights · booked direct: 3 units / USD 1 · any
- Everything else: 2 units / USD 1 · any
Priority Pass · ∞ · guests 2
Official / supporting sources
Marriott Bonvoy Business American Express CardUS · American Express · Marriott BonvoyUSD 125.00standard / year
Model notes: No earning caps stated. 1 Free Night Award each year after card renewal month (redemption level at or under 35,000 points; resort fees may apply), plus an additional Free Night Award after $60K in purchases in a calendar year. Welcome offer seen 2026-10-23 required $8,000 in purchases in the first 6 months (offer ends 11/4/26). Restaurant bonus is worldwide; gas, wireless and shipping bonuses are U.S.-only.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Marriott hotels: 6 units / USD 1 · any
- Dining & delivery: 4 units / USD 1 · any
- Gas & EV charging: 4 units / USD 1 · domestic
- Recurring bills: 4 units / USD 1 · domestic
- Shipping: 4 units / USD 1 · domestic
- Everything else: 2 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
The Blue Business Plus Credit Card from American ExpressUS · American Express · American Express Membership Rewards (US)USD 0.00standard / year
Model notes: Foreign transaction fee is 2.7% of each transaction after conversion to US dollars. Eligible purchases on AmexTravel.com also earn 2X and do not count toward the $50,000 cap (not modelled; that spend is treated like any other spend here). Cap resets each calendar year.
FX fee: 2.7% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 2 units / USD 1 · any · USD 50,000.00 / annual
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
The Hilton Honors American Express Business CardUS · American Express · Hilton HonorsUSD 195.00standard / year
Model notes: Official pages do not say whether Hilton-direct (12X) purchases count toward the $100,000 5X cap; modelled here as counting only the 'other' spend. Up to $60 Hilton statement credit per quarter (up to $240/yr) for purchases made directly with a Hilton property. Hilton Honors Diamond status after $40,000 in eligible purchases in a calendar year. Welcome offer seen 2026-10-23: 130,000 points after $6,000 in purchases in the first 6 months.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Hilton hotels: 12 units / USD 1 · any
- Everything else: 5 units / USD 1 · any · USD 100,000.00 / annual
- Everything else: 3 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Bank of America1 card
Atmos Rewards Summit Visa InfiniteUS · Bank of America · Atmos Rewards (Alaska / Hawaiian)USD 395.00standard / year
Model notes: Foreign transactions earn 3x; USD dining and Alaska/Hawaiian also 3x. Eligible bank-account 10% boost, companion awards and status value excluded. Eight Alaska Lounge passes are issued two per quarter and not modeled as an unrestricted annual lounge pool; this card has no assumed Priority Pass access.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Dining & delivery: 3 units / USD 1 · any
- Hawaiian / Alaska: 3 units / USD 1 · any
- Everything else: 3 units / USD 1 · foreign
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Barclays1 card
Hawaiian Airlines World Elite MastercardUS · Barclays · Atmos Rewards (Alaska / Hawaiian)USD 99.00standard / year
Model notes: The product name is unchanged. It is still issued by Barclays Bank Delaware, but earns Atmos Rewards points since HawaiianMiles became Atmos Rewards on 2025-10-01 (1 HawaiianMile = 1 Atmos point). Barclays stopped taking applications for its directly marketed Hawaiian cards on 2025-10-01. The Bank of Hawaii co-branded version, with the same earn rates, $99 fee and 0% FX, is still open. On 2026-04-20 Alaska said Bank of America would eventually become the only Atmos co-brand issuer, with no date given and no announced conversion for Barclays Hawaiian cardholders as of 2026-10-23. The current Barclays reward rules (exact category definitions, and whether gas/dining/grocery are limited to U.S. merchants) could not be fetched because Barclays pages block automated access. The 2x rates are therefore modelled as scope any. Promos: Hawaii residents get a 50% bonus (4.5x/3x/1.5x) on up to $10,000 spend (max 5,000 bonus points) through 2026-12-31. 2026 cardmember sweepstakes.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Hawaiian / Alaska: 3 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Groceries: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Capital One4 cards
Capital One SavorUS · Capital One · Cash back (USD)USD 0.00standard / year
Model notes: Eligible grocery stores exclude superstores. Cash valuation; conversion via a miles card is not automatically assumed.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 3 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Entertainment: 3 units / USD 1 · any
- Streaming: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Capital One Venture Rewards Credit CardUS · Capital One · Capital One MilesUSD 95.00standard / year
Model notes: Not modelled (portal only): 5x on hotels, vacation rentals and rental cars booked through Capital One Travel, and 5x on Capital One Entertainment ticket purchases. Global Entry/TSA PreCheck credit up to $120 every 4 years. Welcome offer seen 2026-10-23: 75,000 miles after $4,000 spend in 3 months, plus a one-time $300 Capital One Travel Stays credit. Not available if a Venture/Venture X bonus was received in the last 48 months.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 2 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Capital One Venture XUS · Capital One · Capital One MilesUSD 395.00standard / year
Model notes: 2026 primary-cardholder access only; guests excluded unless separately qualified. Portal bonuses, annual travel credit and anniversary miles excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 2 units / USD 1 · any
Priority Pass · ∞ · guests 0 / Capital One Lounge · ∞ · guests 0
Official / supporting sources
Capital One VentureOne RewardsUS · Capital One · Capital One MilesUSD 0.00standard / year
Model notes: 1.25 miles per USD 1; portal-only 5x excluded. Card network can vary by issued version; verify the cardholder benefit guide.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 1.25 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase11 cards
Chase Air Canada AeroplanUS · Chase · AeroplanUSD 195.00standard / year
Model notes: 2026 earn rates: grocery/dining drop to 2x January 1, 2027. Air Canada flight-status points are not card rewards and are excluded. Monthly spend bonus/credits excluded. Aeroplan 25K is not automatic lounge access.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Travel (general): 3 units / USD 1 · any
- Groceries: 3 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Freedom FlexUS · Chase · Chase Ultimate Rewards · cash / no transfer cardUSD 0.00standard / year
Model notes: Cash redemption when held alone. Uses the main Chase UR valuation automatically when a selected eligible Sapphire/Ink Preferred companion enables pooling. Portal/rotating bonuses excluded.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Dining & delivery: 3 units / USD 1 · any
- Drugstores: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Freedom UnlimitedUS · Chase · Chase Ultimate Rewards · cash / no transfer cardUSD 0.00standard / year
Model notes: Cash redemption when held alone. Uses the main Chase UR valuation automatically when a selected eligible Sapphire/Ink Preferred companion enables pooling. Portal/rotating bonuses excluded.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Dining & delivery: 3 units / USD 1 · any
- Drugstores: 3 units / USD 1 · any
- Everything else: 1.5 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Ink Business CashUS · Chase · Chase Ultimate Rewards · cash / no transfer cardUSD 0.00standard / year
Model notes: Cash redemption when held alone. Uses the main Chase UR valuation automatically when a selected eligible Sapphire/Ink Preferred companion enables pooling. Portal/rotating bonuses excluded.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Phone / internet / cable: 5 units / USD 1 · any · USD 25,000.00 / annual
- Office supply stores: 5 units / USD 1 · any · USD 25,000.00 / annual
- Gas & EV charging: 2 units / USD 1 · any · USD 25,000.00 / annual
- Dining & delivery: 2 units / USD 1 · any · USD 25,000.00 / annual
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Ink Business PreferredUS · Chase · Chase Ultimate RewardsUSD 95.00standard / year
Model notes: USD 150,000 shared annual bonus cap. Telecom means internet/cable/phone; advertising means eligible search/social platforms.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Travel (general): 3 units / USD 1 · any · USD 150,000.00 / annual
- Shipping: 3 units / USD 1 · any · USD 150,000.00 / annual
- Phone / internet / cable: 3 units / USD 1 · any · USD 150,000.00 / annual
- Search / social advertising: 3 units / USD 1 · any · USD 150,000.00 / annual
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Ink Business UnlimitedUS · Chase · Chase Ultimate Rewards · cash / no transfer cardUSD 0.00standard / year
Model notes: Cash redemption when held alone. Uses the main Chase UR valuation automatically when a selected eligible Sapphire/Ink Preferred companion enables pooling. Portal/rotating bonuses excluded.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 1.5 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Sapphire Preferred CardUS · Chase · Chase Ultimate RewardsUSD 95.00standard / year
Model notes: No foreign transaction fee (confirmed on the official page). Not modelled: 5x on purchases made through Chase Travel (2x via FROSCH / Valerie Wilson Travel; the first $100 of Chase Travel hotel purchases each year earns no points). 3x online grocery is not modelled as grocery because it applies only to online grocery pickup/delivery orders (excludes Target, Walmart and wholesale clubs), so in-store grocery earns 1x. 3x also applies to vacation homes at select top brands. Lyft: 5x total on eligible rides through 09/30/2027. Peloton: 5x total on equipment/accessories over $150 (up to $5,000) through 12/31/2027. The official page lists no 10% anniversary points bonus. Credits: up to $100 per account anniversary year for Chase Travel hotel stays; Global Entry/TSA PreCheck/NEXUS credit up to $120 every 4 years. Welcome offer seen 2026-10-23: 75,000 points after $5,000 spend in 3 months.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Dining & delivery: 3 units / USD 1 · any
- Gas & EV charging: 3 units / USD 1 · any
- Streaming: 3 units / USD 1 · any
- Travel (general): 2 units / USD 1 · any
- Transit & rideshare: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Sapphire ReserveUS · Chase · Chase Ultimate RewardsUSD 795.00standard / year
Model notes: Direct flights/hotels only. Portal bonus and statement credits excluded; purchases reimbursed by credits must be removed from spend. Priority Pass enrollment required.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Other flights · booked direct: 4 units / USD 1 · any
- Other hotels · booked direct: 4 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
Priority Pass · ∞ · guests 2 / Chase Sapphire Lounge · ∞ · guests 2
Official / supporting sources
Chase Sapphire Reserve for BusinessUS · Chase · Chase Ultimate RewardsUSD 795.00standard / year
Model notes: Direct flights/hotels; eligible search/social ads only. Conservative USD 1m ad cap reflects announced Nov 15, 2026 cap. Portal bonus/credits excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Other flights · booked direct: 4 units / USD 1 · any
- Other hotels · booked direct: 4 units / USD 1 · any
- Search / social advertising: 3 units / USD 1 · any · USD 1,000,000.00 / annual
- Everything else: 1 units / USD 1 · any
Priority Pass · ∞ · guests 2 / Chase Sapphire Lounge · ∞ · guests 2
Official / supporting sources
Marriott Bonvoy Boundless Credit CardUS · Chase · Marriott BonvoyUSD 95.00standard / year
Model notes: The cap 'year' runs from account opening through the first December statement cycle, then in 12-billing-cycle periods ending with each December statement (roughly a calendar year). Spend over the cap earns the 2x base rate. Annual Free Night Award after each account anniversary (up to 35,000 points; expires after 12 months). 15 Elite Night Credits each calendar year, plus 1 ENC per $5,000 spent. Automatic Silver Elite; $35,000 spend in a calendar year earns Gold. Welcome offer seen 2026-10-23: 3 Free Night Awards (up to 50,000 points each) after $3,000 spend in 3 months.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Marriott hotels: 6 units / USD 1 · any
- Groceries: 3 units / USD 1 · any · USD 6,000.00 / annual
- Gas & EV charging: 3 units / USD 1 · any · USD 6,000.00 / annual
- Dining & delivery: 3 units / USD 1 · any · USD 6,000.00 / annual
- Everything else: 2 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
World of Hyatt Credit CardUS · Chase · World of HyattUSD 95.00standard / year
Model notes: Card-earned points only. Fitness categories, free nights and status value excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Hyatt · booked direct: 4 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Other flights · booked direct: 2 units / USD 1 · any
- Transit & rideshare: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Citi2 cards
Citi Double CashUS · Citi · Cash back (USD)USD 0.00standard / year
Model notes: Assumes all purchases are paid in full: 1% at purchase plus 1% on payment. Cash redemption value; enhanced transfers are not assumed.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 2 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Citi Strata PremierUS · Citi · Citi ThankYouUSD 95.00standard / year
Model notes: Direct eligible purchases; Citi Travel bonus and hotel benefit excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Other flights · booked direct: 3 units / USD 1 · any
- Other hotels · booked direct: 3 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Groceries: 3 units / USD 1 · any
- Gas & EV charging: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Wells Fargo2 cards
Wells Fargo Active CashUS · Wells Fargo · Cash back (USD)USD 0.00standard / year
Model notes: 2% cash rewards; 3% foreign conversion fee.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 2 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Wells Fargo AutographUS · Wells Fargo · Wells Fargo RewardsUSD 0.00standard / year
Model notes: Eligible streaming and phone plans only; generic recurring bills do not qualify automatically.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Travel (general): 3 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Gas & EV charging: 3 units / USD 1 · any
- Transit & rideshare: 3 units / USD 1 · any
- Streaming: 3 units / USD 1 · any
- Phone / internet / cable: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Taiwan2 cards
Cathay United Bank1 card
國泰世華 CUBE 卡TW · Cathay United Bank · 小樹點（信用卡）TWD 1,800.00standard / year
Model notes: 一般消費 0.3%（每 TWD 1 得 0.003 小樹點）。指定方案／商店加碼未預設；不是所有餐飲購物都符合。電子帳單等年費減免請將實付年費改為 0。公用事業／電信／影音等排除。
FX fee: 1.5% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 0.003 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Taipei Fubon Bank1 card
台北富邦 J 卡（J Cash）TW · Taipei Fubon Bank · TWD cash backTWD 1,800.00standard / year
Model notes: 未符合本行帳戶自扣條件：一般消費 0.5%；符合條件：一般 1%、日韓泰 3%。此處預設 0.5%，可開啟自扣條件。登錄加碼、交通卡儲值及排除商店不計。年費符合減免請改為 0。
FX fee: 1.5% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 0.5 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.