這筆該刷哪張卡？
依照日常消費和真正會走的旅程，找到適合你的卡片組合。
年度價值＝回饋－換匯成本－年費＋用得到的貴賓室價值
設定會保存在此瀏覽器。
WALLET FINDER
你想用幾張卡？
設定張數上限，比較扣除年費後的持續收益；有時少一張更划算。
你符合申請資格的市場 · 比較範圍
請自行確認申請資格、商店收卡及核卡條件。不計首刷禮、利息、免費住宿券、會籍及消費補助；僅計基本回饋的卡可能被低估。
01 / 每月消費
每筆消費只填一次。CAD 視為加拿大商店、USD 為美國、TWD 為台灣。品牌專屬列取代一般分類；超市、藥房或機票消費不要重複填寫。請排除卡片費用及已由卡片補助折抵的消費。
| 類別 | CAD | USD | TWD |
|---|---|---|---|
| Loblaw 旗下超市 | |||
| Shoppers／Pharmaprix | |||
| WestJet・航空公司直訂 | |||
| 超市 | |||
| 餐廳與外送 | |||
| 加油與充電 | |||
| 交通與叫車 | |||
| 旅遊（一般） | |||
| 萬豪酒店 | |||
| 希爾頓酒店 | |||
| 加拿大航空 | |||
| 夏威夷／阿拉斯加航空 | |||
| 影音訂閱 | |||
| 藥妝店 | |||
| 定期帳單 | |||
| 娛樂 | |||
| 網購 | |||
| 運費／快遞 | |||
| 居家修繕 | |||
| 其他機票・航空公司直訂 | |||
| 其他飯店・直訂 | |||
| Hyatt・直訂 | |||
| 電話／網路／有線電視 | |||
| 搜尋／社群廣告 | |||
| 辦公用品店 | |||
| 其他所有消費 |
02 / 你的錢包
選一張卡，看看用它可以獲得多少回饋。勾選或取消卡片，右側各類別的分配立即更新；每張已選卡都會計入自訂年費。初始選擇是範例。
加拿大 49
官方標準年費: CAD 599.00
官方標準年費: CAD 191.88
官方標準年費: CAD 250.00
官方標準年費: CAD 799.00
官方標準年費: CAD 119.88
官方標準年費: CAD 120.00
官方標準年費: CAD 150.00
官方標準年費: CAD 150.00
官方標準年費: CAD 0.00
官方標準年費: CAD 139.00
官方標準年費: CAD 120.00
官方標準年費: CAD 89.00
官方標準年費: CAD 0.00
官方標準年費: CAD 0.00
官方標準年費: CAD 0.00
官方標準年費: CAD 139.00
官方標準年費: CAD 599.00
官方標準年費: CAD 120.00
官方標準年費: CAD 0.00
官方標準年費: CAD 120.00
官方標準年費: CAD 150.00
官方標準年費: CAD 149.00
官方標準年費: CAD 149.00
官方標準年費: CAD 149.00
官方標準年費: CAD 0.00
官方標準年費: CAD 12.00
官方標準年費: CAD 120.00
官方標準年費: CAD 139.00
官方標準年費: CAD 120.00
官方標準年費: CAD 175.00
官方標準年費: CAD 0.00
官方標準年費: CAD 48.00
官方標準年費: CAD 0.00
官方標準年費: CAD 120.00
官方標準年費: CAD 120.00
官方標準年費: CAD 150.00
官方標準年費: CAD 399.00
官方標準年費: CAD 0.00
官方標準年費: CAD 0.00
官方標準年費: CAD 0.00
官方標準年費: CAD 120.00
官方標準年費: CAD 139.00
官方標準年費: CAD 139.00
官方標準年費: CAD 139.00
官方標準年費: CAD 149.00
官方標準年費: CAD 120.00
官方標準年費: CAD 240.00
官方標準年費: CAD 240.00
官方標準年費: CAD 0.00
美國 31
官方標準年費: USD 375.00
官方標準年費: USD 895.00
官方標準年費: USD 325.00
官方標準年費: USD 895.00
官方標準年費: USD 550.00
官方標準年費: USD 0.00
官方標準年費: USD 650.00
官方標準年費: USD 125.00
官方標準年費: USD 0.00
官方標準年費: USD 195.00
官方標準年費: USD 395.00
官方標準年費: USD 99.00
官方標準年費: USD 0.00
官方標準年費: USD 95.00
官方標準年費: USD 395.00
官方標準年費: USD 0.00
官方標準年費: USD 195.00
官方標準年費: USD 0.00
官方標準年費: USD 0.00
官方標準年費: USD 0.00
官方標準年費: USD 95.00
官方標準年費: USD 0.00
官方標準年費: USD 95.00
官方標準年費: USD 795.00
官方標準年費: USD 795.00
官方標準年費: USD 95.00
官方標準年費: USD 95.00
官方標準年費: USD 0.00
官方標準年費: USD 95.00
官方標準年費: USD 0.00
官方標準年費: USD 0.00
台灣 2
官方標準年費: TWD 1,800.00
官方標準年費: TWD 1,800.00
日韓泰加碼和需登錄活動須依實際消費地區判斷，此 CAD／USD／TWD 表格不自動套用。
03 / 各計畫的點數估值
單位是「每 1 點值多少該幣別」。例如 USD 0.015＝1.5 美分。預設為估計值，可設為 0；提高估值不代表該卡自動具有轉點資格。
預設: 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.
預設: 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.
預設: 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.
預設: 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.
預設: CAD 0.006667
150 points per CAD 1 eligible travel redemption.
預設: CAD 0.01
100 points redeem for CAD 1; partner-specific multipliers are excluded.
預設: 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).
預設: CAD 0.01
cash — 1 program unit = 1 cent CAD by definition (1.5% cash back is rate 1.5). No external valuation needed.
預設: TWD 0.01
One reward unit equals TWD 0.01.
預設: USD 0.01
cash — 1 program unit = 1 cent USD by definition (1.5% cash back is rate 1.5). No external valuation needed.
預設: TWD 1
每 1 小樹點按 TWD 1 起算，兌換用途可能不同。
預設: 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.
預設: USD 0.01
Cash redemption only. The main Chase UR valuation is used automatically when an eligible companion is selected in the same wallet.
預設: USD 0.01
Conservative cash-equivalent assumption; configure your own transfer value.
預設: 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.
預設: 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.
預設: 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.
預設: CAD 0.01
Travel redemption estimate; cash redemption is lower.
預設: 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.
預設: 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.
預設: 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.
預設: CAD 0.005814
Standalone travel redemption: 172 points per CAD 1. Selected Avion Elite companion unlocks the main Avion valuation.
預設: 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.
預設: CAD 0.005
200 points = CAD 1 through Expedia for TD; other redemption methods can be lower. Editable scenario value.
預設: 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.
預設: USD 0.01
Cash-equivalent starting assumption; configure transfer value.
預設: CAD 0.01
100 WestJet points = CAD 1 travel value. Companion vouchers and checked baggage are excluded from this spending model.
預設: USD 0.015
Illustrative hotel redemption estimate, not a guaranteed cash value.
04 / 旅程與貴賓室
填真正會使用的出發／轉機機會，不要把同一趟能去的所有 lounge 都填入。每列代表一次出發，只有重複旅程才增加次數。請確認航廈、營業時間和會員登錄。同一次使用不會因多張卡重複計價。
05 / 匯率與資金成本
可自行修改的情境匯率，並非即時報價。結果區可切換 CAD／USD／TWD；匯率必須大於 0。
年度淨價值
—
每種消費用哪張卡
旅程的貴賓室覆蓋
信用卡年費
計算方式與限制
每月上限以穩定月支出年化。消費分配依回饋率排序，共用上限可能使結果近似。貴賓室先分配可用卡較少的目的地，複雜的同行／次數組合不保證全局最優。只計免費人次，不計付費同行、幼兒例外或達消費門檻才有的同行權益。貴賓室價值是你願意支付費用的估計，不是現金回饋。所有結果假設帳單全額繳清。
卡片資料與來源 (83)
美加與台灣的常見卡精選資料庫，不等於市場上的每張卡。展開可看已計算的倍率、未計入項目與發卡機構來源。以查核時條件年化，不是 2027 年權益預測。
依國家 → 銀行 → 卡片展開，或直接搜尋全部卡片。
沒有符合搜尋條件的卡片。
加拿大50 張
American Express8 張
American Express Aeroplan ReserveCA · American Express · AeroplanCAD 599.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 加拿大航空: 3 單位 / CAD 1 · any
- 餐廳與外送: 2 單位 / CAD 1 · domestic
- 其他所有消費: 1.25 單位 / CAD 1 · any
Air Canada Maple Leaf (North America) · ∞ · 同行 1
官方／補充來源
American Express CobaltCA · American Express · American Express Membership Rewards (Canada)CAD 191.88標準年費
計算說明: Canadian eligible merchants only. CAD 2,500 monthly food cap; no travel bonus. Monthly spending is assumed steady.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 5 單位 / CAD 1 · domestic · CAD 2,500.00 / monthly
- 餐廳與外送: 5 單位 / CAD 1 · domestic · CAD 2,500.00 / monthly
- 影音訂閱: 3 單位 / CAD 1 · domestic
- 加油與充電: 2 單位 / CAD 1 · domestic
- 交通與叫車: 2 單位 / CAD 1 · domestic
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
American Express Gold RewardsCA · American Express · American Express Membership Rewards (Canada)CAD 250.00標準年費
計算說明: Four Canadian Plaza Premium person-visits, shared with guests. Priority Pass membership alone does not include free visits. Travel credit not auto-valued.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 2 單位 / CAD 1 · domestic
- 加油與充電: 2 單位 / CAD 1 · domestic
- 藥妝店: 2 單位 / CAD 1 · domestic
- 旅遊（一般）: 2 單位 / CAD 1 · any
- 其他所有消費: 1 單位 / CAD 1 · any
Plaza Premium (direct card benefit) · 4 · 同行 10
官方／補充來源
American Express Platinum (Canada)CA · American Express · American Express Membership Rewards (Canada)CAD 799.00標準年費
計算說明: 2026 lounge terms. Plaza Premium/Priority Pass caps change January 2027; this annualized scenario is not a forecast. Guest benefits conservatively excluded. Credits excluded.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 餐廳與外送: 2 單位 / CAD 1 · domestic
- 旅遊（一般）: 2 單位 / CAD 1 · any
- 其他所有消費: 1 單位 / CAD 1 · any
Priority Pass · ∞ · 同行 0 / Plaza Premium (direct card benefit) · ∞ · 同行 0 / Centurion · ∞ · 同行 0
官方／補充來源
SimplyCash PreferredCA · American Express · Cash back (CAD)CAD 119.88標準年費
計算說明: CAD 9.99 monthly fee outside Quebec. Grocery bonus capped at CAD 30,000/year. Quebec fee may differ; override actual fee.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 4 單位 / CAD 1 · domestic · CAD 30,000.00 / annual
- 加油與充電: 4 單位 / CAD 1 · domestic
- 其他所有消費: 2 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
American Express Green CardCA · Amex Bank of Canada · American Express Membership Rewards (Canada)CAD 0.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-23
已建模回饋
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
- 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 120.00標準年費
計算說明: 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).
海外手續費: 2.5% · 查核日: 2026-10-23
已建模回饋
- 萬豪酒店: 5 單位 / CAD 1 · any
- 其他所有消費: 2 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Marriott Bonvoy Business American Express CardCA · Amex Bank of Canada · Marriott BonvoyCAD 150.00標準年費
計算說明: 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).
海外手續費: 2.5% · 查核日: 2026-10-23
已建模回饋
- 萬豪酒店: 5 單位 / CAD 1 · any
- 加油與充電: 3 單位 / CAD 1 · domestic
- 餐廳與外送: 3 單位 / CAD 1 · domestic
- 旅遊（一般）: 3 單位 / CAD 1 · any
- 希爾頓酒店: 2 單位 / CAD 1 · any
- 其他所有消費: 2 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
- 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 張
BMO Ascend World Elite MastercardCA · BMO · BMO RewardsCAD 150.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 旅遊（一般）: 5 單位 / CAD 1 · any · CAD 15,000.00 / annual
- 餐廳與外送: 3 單位 / CAD 1 · any · CAD 10,000.00 / annual
- 娛樂: 3 單位 / CAD 1 · any · CAD 10,000.00 / annual
- 定期帳單: 3 單位 / CAD 1 · any · CAD 10,000.00 / annual
- 其他所有消費: 1 單位 / CAD 1 · any
DragonPass / Visa Airport Companion · 4 · 同行 10
官方／補充來源
BMO CashBack MastercardCA · BMO · Cash back (CAD)CAD 0.00標準年費
計算說明: Canadian merchant bonuses only. Each statement-cycle cap is annualized assuming steady monthly purchases; introductory bonus excluded.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 3 單位 / CAD 1 · domestic · CAD 500.00 / monthly
- 定期帳單: 1 單位 / CAD 1 · domestic · CAD 500.00 / monthly
- 其他所有消費: 0.5 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
BMO CashBack World Elite MastercardCA · BMO · Cash back (CAD)CAD 139.00標準年費
計算說明: Monthly caps annualized assuming steady monthly spend. First-year fee rebate is not automatic.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 5 單位 / CAD 1 · domestic · CAD 500.00 / monthly
- 交通與叫車: 4 單位 / CAD 1 · domestic · CAD 300.00 / monthly
- 加油與充電: 3 單位 / CAD 1 · domestic · CAD 300.00 / monthly
- 定期帳單: 2 單位 / CAD 1 · domestic · CAD 500.00 / monthly
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
BMO eclipse Visa InfiniteCA · BMO · BMO RewardsCAD 120.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
- 餐廳與外送: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
- 加油與充電: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
- 交通與叫車: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Brim Financial1 張
Brim World Elite MastercardCA · Brim Financial · Brim RewardsCAD 89.00標準年費
計算說明: 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.
海外手續費: 1.5% · 查核日: 2026-10-24
已建模回饋
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Canadian Tire Bank1 張
Triangle World Elite MastercardCA · Canadian Tire Bank · Canadian Tire Money (Triangle Rewards)CAD 0.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-23
已建模回饋
- 超市: 3 單位 / CAD 1 · any · CAD 12,000.00 / annual
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Capital One2 張
Capital One Quicksilver World Elite Mastercard (Canada)CA · Capital One · Cash back (CAD)CAD 0.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 超市: 3 單位 / CAD 1 · any
- 加油與充電: 3 單位 / CAD 1 · any
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Capital One Quicksilver World Mastercard (Canada)CA · Capital One · Cash back (CAD)CAD 0.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 超市: 3 單位 / CAD 1 · any
- 加油與充電: 3 單位 / CAD 1 · any
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
CIBC4 張
CIBC Aeroplan Visa InfiniteCA · CIBC · AeroplanCAD 139.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
- 加油與充電: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
- 加拿大航空: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
CIBC Aeroplan Visa Infinite PrivilegeCA · CIBC · AeroplanCAD 599.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
- 加油與充電: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
- 旅遊（一般）: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
- 餐廳與外送: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
- 加拿大航空: 2 單位 / CAD 1 · any · CAD 100,000.00 / annual
- 其他所有消費: 1.25 單位 / CAD 1 · any
DragonPass / Visa Airport Companion · 6 · 同行 10 / Air Canada Maple Leaf (North America) · ∞ · 同行 1
官方／補充來源
CIBC Dividend Visa InfiniteCA · CIBC · Cash back (CAD)CAD 120.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 4 單位 / CAD 1 · any · CAD 20,000.00 / annual
- 加油與充電: 4 單位 / CAD 1 · any · CAD 20,000.00 / annual
- 餐廳與外送: 2 單位 / CAD 1 · any · CAD 20,000.00 / annual
- 交通與叫車: 2 單位 / CAD 1 · any · CAD 20,000.00 / annual
- 定期帳單: 2 單位 / CAD 1 · any · CAD 20,000.00 / annual
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Simplii Financial Cash Back VisaCA · Simplii Financial (CIBC) · Cash back (CAD)CAD 0.00標準年費
計算說明: Dining capped at CAD 5,000/year; fuel, grocery, pharmacy and pre-authorized payments share CAD 15,000/year. Introductory rates excluded.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 餐廳與外送: 4 單位 / CAD 1 · any · CAD 5,000.00 / annual
- 超市: 1.5 單位 / CAD 1 · any · CAD 15,000.00 / annual
- 加油與充電: 1.5 單位 / CAD 1 · any · CAD 15,000.00 / annual
- 藥妝店: 1.5 單位 / CAD 1 · any · CAD 15,000.00 / annual
- 定期帳單: 1.5 單位 / CAD 1 · any · CAD 15,000.00 / annual
- 其他所有消費: 0.5 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Equitable Bank (EQ Bank)1 張
EQ Bank CardCA · Equitable Bank (EQ Bank) · Cash back (CAD)CAD 0.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-23
已建模回饋
- 其他所有消費: 0.5 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
MBNA1 張
MBNA Rewards World Elite MastercardCA · MBNA · MBNA RewardsCAD 120.00標準年費
計算說明: CAD 50,000 cap per bonus category. Household utilities/membership bonuses and birthday bonus excluded because mixed recurring bills cannot reliably identify eligible merchants.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 5 單位 / CAD 1 · any · CAD 50,000.00 / annual
- 餐廳與外送: 5 單位 / CAD 1 · any · CAD 50,000.00 / annual
- 影音訂閱: 5 單位 / CAD 1 · any · CAD 50,000.00 / annual
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
National Bank of Canada1 張
National Bank World Elite MastercardCA · National Bank of Canada · National Bank À la carte RewardsCAD 150.00標準年費
計算說明: 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).
海外手續費: 2.5% · 查核日: 2026-10-23
已建模回饋
- 超市: 5 單位 / CAD 1 · any · CAD 2,500.00 / monthly
- 餐廳與外送: 5 單位 / CAD 1 · any · CAD 2,500.00 / monthly
- 超市: 2 單位 / CAD 1 · any
- 餐廳與外送: 2 單位 / CAD 1 · any
- 加油與充電: 2 單位 / CAD 1 · any
- 定期帳單: 2 單位 / CAD 1 · any
- 其他所有消費: 1 單位 / CAD 1 · any
National Bank Lounge · ∞ · 同行 1
官方／補充來源
Neo Financial3 張
Neo World Elite Mastercard · EverywhereCA · Neo Financial · Cash back (CAD)CAD 149.00標準年費
計算說明: 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.
海外手續費: 3% · 查核日: 2026-10-24
已建模回饋
- 其他所有消費: 2 單位 / CAD 1 · any · CAD 4,000.00 / monthly
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Neo World Elite Mastercard · Gas & GroceryCA · Neo Financial · Cash back (CAD)CAD 149.00標準年費
計算說明: 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.
海外手續費: 3% · 查核日: 2026-10-24
已建模回饋
- 超市: 5 單位 / CAD 1 · any · CAD 1,000.00 / monthly
- 加油與充電: 3 單位 / CAD 1 · any · CAD 1,000.00 / monthly
- 定期帳單: 4 單位 / CAD 1 · any · CAD 500.00 / monthly
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Neo World Elite Mastercard · Shop & DineCA · Neo Financial · Cash back (CAD)CAD 149.00標準年費
計算說明: 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.
海外手續費: 3% · 查核日: 2026-10-24
已建模回饋
- 餐廳與外送: 5 單位 / CAD 1 · any · CAD 1,000.00 / monthly
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
PC Financial1 張
PC World Elite MastercardCA · PC Financial · PC OptimumCAD 0.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- Loblaw 旗下超市: 30 單位 / CAD 1 · domestic
- Shoppers／Pharmaprix: 30 單位 / CAD 1 · domestic
- 其他所有消費: 10 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Peoples Trust Company1 張
PayPower Prepaid MastercardCA · Peoples Trust Company · Cash back (CAD)CAD 12.00標準年費
計算說明: 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.
海外手續費: 3% · 查核日: 2026-10-23
已建模回饋
- 其他所有消費: 0 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
- 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 張
RBC Cash Back Preferred World Elite MastercardCA · RBC · Cash back (CAD)CAD 120.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 3 單位 / CAD 1 · any
- 餐廳與外送: 3 單位 / CAD 1 · any
- 加油與充電: 3 單位 / CAD 1 · any
- 交通與叫車: 3 單位 / CAD 1 · any
- 影音訂閱: 3 單位 / CAD 1 · any
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
WestJet RBC World Elite MastercardCA · RBC · WestJet RewardsCAD 139.00標準年費
計算說明: Use the WestJet direct row for airline purchases. Companion voucher, checked bags, airline status, optional voucher-to-lounge exchanges and banking relationship offers excluded.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- WestJet・航空公司直訂: 2 單位 / CAD 1 · any
- 超市: 2 單位 / CAD 1 · any
- 加油與充電: 2 單位 / CAD 1 · any
- 交通與叫車: 2 單位 / CAD 1 · any
- 其他所有消費: 1.5 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
RBC Avion Visa InfiniteCA · RBC Royal Bank · RBC Avion RewardsCAD 120.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-23
已建模回饋
- 旅遊（一般）: 1.25 單位 / CAD 1 · any
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
RBC Avion Visa Infinite BusinessCA · RBC Royal Bank · RBC Avion RewardsCAD 175.00標準年費
計算說明: 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).
海外手續費: 2.5% · 查核日: 2026-10-23
已建模回饋
- 其他所有消費: 1.25 單位 / CAD 1 · any · CAD 75,000.00 / annual
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
RBC ION VisaCA · RBC Royal Bank · RBC Avion Select · ION / ION+ aloneCAD 0.00標準年費
計算說明: No caps stated. Welcome offer (apply by Nov 4, 2026): 7,000 pts on approval plus 7,000 after $500 in first 3 months.
海外手續費: 2.5% · 查核日: 2026-10-23
已建模回饋
- 超市: 1.5 單位 / CAD 1 · any
- 加油與充電: 1.5 單位 / CAD 1 · any
- 交通與叫車: 1.5 單位 / CAD 1 · any
- 影音訂閱: 1.5 單位 / CAD 1 · any
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
RBC ION+ VisaCA · RBC Royal Bank · RBC Avion Select · ION / ION+ aloneCAD 48.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-23
已建模回饋
- 超市: 3 單位 / CAD 1 · any
- 餐廳與外送: 3 單位 / CAD 1 · any
- 加油與充電: 3 單位 / CAD 1 · any
- 交通與叫車: 3 單位 / CAD 1 · any
- 影音訂閱: 3 單位 / CAD 1 · any
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Rogers Bank1 張
Rogers Red World Elite MastercardCA · Rogers Bank · Cash back (CAD)CAD 0.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-23
已建模回饋
- 其他所有消費: 3 單位 / CAD 1 · foreign · CAD 61,000.00 / annual
- 其他所有消費: 1.5 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
- 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 張
Scotia Momentum Visa Infinite +CA · Scotiabank · Cash back (CAD)CAD 120.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 4 單位 / CAD 1 · any · CAD 25,000.00 / annual
- 定期帳單: 4 單位 / CAD 1 · any · CAD 25,000.00 / annual
- 加油與充電: 2 單位 / CAD 1 · any · CAD 25,000.00 / annual
- 交通與叫車: 2 單位 / CAD 1 · any · CAD 25,000.00 / annual
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Scotiabank Gold American ExpressCA · Scotiabank · Scene+CAD 120.00標準年費
計算說明: Canadian bonus categories only; CAD 50,000 shared annual cap. Selected grocers earn 6x; that merchant-specific extra point is not modeled.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 超市: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
- 餐廳與外送: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
- 娛樂: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
- 加油與充電: 3 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
- 交通與叫車: 3 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
- 影音訂閱: 3 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Scotiabank Passport Visa Infinite +CA · Scotiabank · Scene+CAD 150.00標準年費
計算說明: Six DragonPass person-visits, registration required. Check the specific lounge in Visa Airport Companion. Selected merchant bonuses, travel credit and annual spend bonus excluded.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 超市: 2 單位 / CAD 1 · any · CAD 50,000.00 / annual
- 餐廳與外送: 2 單位 / CAD 1 · any · CAD 50,000.00 / annual
- 娛樂: 2 單位 / CAD 1 · any · CAD 50,000.00 / annual
- 交通與叫車: 2 單位 / CAD 1 · any · CAD 50,000.00 / annual
- 其他所有消費: 1 單位 / CAD 1 · any
DragonPass / Visa Airport Companion · 6 · 同行 10
官方／補充來源
Scotiabank Platinum American ExpressCA · Scotiabank · Scene+CAD 399.00標準年費
計算說明: Priority Pass: ten shared person-visits per membership year. Extra-card visits are not included. Portal multipliers excluded.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 其他所有消費: 2 單位 / CAD 1 · any
Priority Pass · 10 · 同行 9
官方／補充來源
Scotiabank Scene+ Visa CardCA · Scotiabank · Scene+CAD 0.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-23
已建模回饋
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Tangerine2 張
Tangerine Money-Back World MastercardCA · Tangerine · Cash back (CAD)CAD 0.00標準年費
計算說明: Modeled with grocery and restaurant as the two chosen categories. Third savings-account category not assumed; category elections must match your account.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 2 單位 / CAD 1 · any
- 餐廳與外送: 2 單位 / CAD 1 · any
- 其他所有消費: 0.5 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Tangerine Rewards World Elite MastercardCA · Tangerine · Scene+CAD 120.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 1.5 單位 / CAD 1 · any
- 餐廳與外送: 1.5 單位 / CAD 1 · any
- 加油與充電: 1.5 單位 / CAD 1 · any
- 其他所有消費: 1 單位 / CAD 1 · any
DragonPass / Visa Airport Companion · 4 · 同行 10
官方／補充來源
TD4 張
TD Aeroplan Visa InfiniteCA · TD · AeroplanCAD 139.00標準年費
計算說明: Current standard fee; announced CAD 159 renewal change not assumed here. Verify your actual fee. No complimentary lounge access assumed.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
- 加油與充電: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
- 加拿大航空: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
TD Cash Back Visa InfiniteCA · TD · Cash back (CAD)CAD 139.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 3 單位 / CAD 1 · any · CAD 15,000.00 / annual
- 加油與充電: 3 單位 / CAD 1 · any · CAD 15,000.00 / annual
- 交通與叫車: 3 單位 / CAD 1 · any · CAD 15,000.00 / annual
- 定期帳單: 3 單位 / CAD 1 · any · CAD 15,000.00 / annual
- 影音訂閱: 3 單位 / CAD 1 · any · CAD 15,000.00 / annual
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
TD First Class Travel Visa InfiniteCA · TD · TD RewardsCAD 139.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-24
已建模回饋
- 超市: 6 單位 / CAD 1 · any · CAD 25,000.00 / annual
- 餐廳與外送: 6 單位 / CAD 1 · any · CAD 25,000.00 / annual
- 交通與叫車: 6 單位 / CAD 1 · any · CAD 25,000.00 / annual
- 定期帳單: 4 單位 / CAD 1 · any · CAD 25,000.00 / annual
- 影音訂閱: 4 單位 / CAD 1 · any · CAD 25,000.00 / annual
- 其他所有消費: 2 單位 / CAD 1 · any
DragonPass / Visa Airport Companion · 4 · 同行 3
官方／補充來源
TD Aeroplan Visa Business CardCA · TD Canada Trust · AeroplanCAD 149.00標準年費
計算說明: 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).
海外手續費: 2.5% · 查核日: 2026-10-23
已建模回饋
- 加拿大航空: 2 單位 / CAD 1 · any · CAD 80,000.00 / annual
- 旅遊（一般）: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
- 交通與叫車: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
- 餐廳與外送: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
- 運費／快遞: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
- 定期帳單: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
- 網購: 1 單位 / CAD 1 · any
- 其他所有消費: 1 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
- 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 張
Vancity enviro Visa Infinite cardCA · Vancity (Vancouver City Savings Credit Union) · Vancity RewardsCAD 120.00標準年費
計算說明: 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.
海外手續費: 2.5% · 查核日: 2026-10-23
已建模回饋
- 超市: 2.5 單位 / CAD 1 · any
- 交通與叫車: 5 單位 / CAD 1 · any
- 其他所有消費: 1.25 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Wealthsimple3 張
Wealthsimple Visa Infinite +CA · Wealthsimple · Cash back (CAD)CAD 240.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 其他所有消費: 2 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Wealthsimple Visa Infinite PrivilegeCA · Wealthsimple · Cash back (CAD)CAD 240.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 其他所有消費: 2 單位 / CAD 1 · any
DragonPass / Visa Airport Companion · 6 · 同行 5
官方／補充來源
Wealthsimple Visa Platinum Prepaid CardCA · Wealthsimple · Cash back (CAD)CAD 0.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-23
已建模回饋
- 其他所有消費: 0 單位 / CAD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
- 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)
美國31 張
American Express10 張
American Express Business Gold (US)US · American Express · American Express Membership Rewards (US)USD 375.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
American Express Business Platinum (US)US · American Express · American Express Membership Rewards (US)USD 895.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 運費／快遞: 2 單位 / USD 1 · domestic · USD 2,000,000.00 / annual
- 居家修繕: 2 單位 / USD 1 · domestic · USD 2,000,000.00 / annual
- 其他所有消費: 1 單位 / USD 1 · any
Priority Pass · ∞ · 同行 2 / Centurion · ∞ · 同行 0 / Plaza Premium (direct card benefit) · ∞ · 同行 0
官方／補充來源
American Express Gold (US)US · American Express · American Express Membership Rewards (US)USD 325.00標準年費
計算說明: Direct airline bookings. US supermarkets only. Dining and grocery caps separate; prepaid portal hotels and statement credits excluded.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 餐廳與外送: 4 單位 / USD 1 · any · USD 50,000.00 / annual
- 超市: 4 單位 / USD 1 · domestic · USD 25,000.00 / annual
- 其他機票・航空公司直訂: 3 單位 / USD 1 · any
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
American Express Platinum (US)US · American Express · American Express Membership Rewards (US)USD 895.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 其他機票・航空公司直訂: 5 單位 / USD 1 · any · USD 500,000.00 / annual
- 其他所有消費: 1 單位 / USD 1 · any
Priority Pass · ∞ · 同行 2 / Centurion · ∞ · 同行 0 / Plaza Premium (direct card benefit) · ∞ · 同行 0
官方／補充來源
Hilton Honors American Express AspireUS · American Express · Hilton HonorsUSD 550.00標準年費
計算說明: No Priority Pass benefit assumed. US dining only. Direct rental-car bonus, status, resort/airline credits and free nights excluded.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 希爾頓酒店: 14 單位 / USD 1 · any
- 其他機票・航空公司直訂: 7 單位 / USD 1 · any
- 餐廳與外送: 7 單位 / USD 1 · domestic
- 其他所有消費: 3 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Hilton Honors American Express CardUS · American Express · Hilton HonorsUSD 0.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-23
已建模回饋
- 希爾頓酒店: 7 單位 / USD 1 · any
- 餐廳與外送: 5 單位 / USD 1 · domestic
- 超市: 5 單位 / USD 1 · domestic
- 加油與充電: 5 單位 / USD 1 · domestic
- 其他所有消費: 3 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Marriott Bonvoy Brilliant American ExpressUS · American Express · Marriott BonvoyUSD 650.00標準年費
計算說明: Only card-earned points; hotel membership points excluded. Free night, status and dining credits not auto-valued. PP enrollment required.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 萬豪酒店: 6 單位 / USD 1 · any
- 餐廳與外送: 3 單位 / USD 1 · any
- 其他機票・航空公司直訂: 3 單位 / USD 1 · any
- 其他所有消費: 2 單位 / USD 1 · any
Priority Pass · ∞ · 同行 2
官方／補充來源
Marriott Bonvoy Business American Express CardUS · American Express · Marriott BonvoyUSD 125.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-23
已建模回饋
- 萬豪酒店: 6 單位 / USD 1 · any
- 餐廳與外送: 4 單位 / USD 1 · any
- 加油與充電: 4 單位 / USD 1 · domestic
- 定期帳單: 4 單位 / USD 1 · domestic
- 運費／快遞: 4 單位 / USD 1 · domestic
- 其他所有消費: 2 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
The Blue Business Plus Credit Card from American ExpressUS · American Express · American Express Membership Rewards (US)USD 0.00標準年費
計算說明: 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.
海外手續費: 2.7% · 查核日: 2026-10-23
已建模回饋
- 其他所有消費: 2 單位 / USD 1 · any · USD 50,000.00 / annual
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
The Hilton Honors American Express Business CardUS · American Express · Hilton HonorsUSD 195.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-23
已建模回饋
- 希爾頓酒店: 12 單位 / USD 1 · any
- 其他所有消費: 5 單位 / USD 1 · any · USD 100,000.00 / annual
- 其他所有消費: 3 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Bank of America1 張
Atmos Rewards Summit Visa InfiniteUS · Bank of America · Atmos Rewards (Alaska / Hawaiian)USD 395.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 餐廳與外送: 3 單位 / USD 1 · any
- 夏威夷／阿拉斯加航空: 3 單位 / USD 1 · any
- 其他所有消費: 3 單位 / USD 1 · foreign
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Barclays1 張
Hawaiian Airlines World Elite MastercardUS · Barclays · Atmos Rewards (Alaska / Hawaiian)USD 99.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-23
已建模回饋
- 夏威夷／阿拉斯加航空: 3 單位 / USD 1 · any
- 加油與充電: 2 單位 / USD 1 · any
- 餐廳與外送: 2 單位 / USD 1 · any
- 超市: 2 單位 / USD 1 · any
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Capital One4 張
Capital One SavorUS · Capital One · Cash back (USD)USD 0.00標準年費
計算說明: Eligible grocery stores exclude superstores. Cash valuation; conversion via a miles card is not automatically assumed.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 超市: 3 單位 / USD 1 · any
- 餐廳與外送: 3 單位 / USD 1 · any
- 娛樂: 3 單位 / USD 1 · any
- 影音訂閱: 3 單位 / USD 1 · any
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Capital One Venture Rewards Credit CardUS · Capital One · Capital One MilesUSD 95.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-23
已建模回饋
- 其他所有消費: 2 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Capital One Venture XUS · Capital One · Capital One MilesUSD 395.00標準年費
計算說明: 2026 primary-cardholder access only; guests excluded unless separately qualified. Portal bonuses, annual travel credit and anniversary miles excluded.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 其他所有消費: 2 單位 / USD 1 · any
Priority Pass · ∞ · 同行 0 / Capital One Lounge · ∞ · 同行 0
官方／補充來源
Capital One VentureOne RewardsUS · Capital One · Capital One MilesUSD 0.00標準年費
計算說明: 1.25 miles per USD 1; portal-only 5x excluded. Card network can vary by issued version; verify the cardholder benefit guide.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 其他所有消費: 1.25 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Chase11 張
Chase Air Canada AeroplanUS · Chase · AeroplanUSD 195.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 旅遊（一般）: 3 單位 / USD 1 · any
- 超市: 3 單位 / USD 1 · any
- 餐廳與外送: 3 單位 / USD 1 · any
- 加油與充電: 2 單位 / USD 1 · any
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Chase Freedom FlexUS · Chase · Chase Ultimate Rewards · cash / no transfer cardUSD 0.00標準年費
計算說明: 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.
海外手續費: 3% · 查核日: 2026-10-24
已建模回饋
- 餐廳與外送: 3 單位 / USD 1 · any
- 藥妝店: 3 單位 / USD 1 · any
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Chase Freedom UnlimitedUS · Chase · Chase Ultimate Rewards · cash / no transfer cardUSD 0.00標準年費
計算說明: 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.
海外手續費: 3% · 查核日: 2026-10-24
已建模回饋
- 餐廳與外送: 3 單位 / USD 1 · any
- 藥妝店: 3 單位 / USD 1 · any
- 其他所有消費: 1.5 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Chase Ink Business CashUS · Chase · Chase Ultimate Rewards · cash / no transfer cardUSD 0.00標準年費
計算說明: 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.
海外手續費: 3% · 查核日: 2026-10-24
已建模回饋
- 電話／網路／有線電視: 5 單位 / USD 1 · any · USD 25,000.00 / annual
- 辦公用品店: 5 單位 / USD 1 · any · USD 25,000.00 / annual
- 加油與充電: 2 單位 / USD 1 · any · USD 25,000.00 / annual
- 餐廳與外送: 2 單位 / USD 1 · any · USD 25,000.00 / annual
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Chase Ink Business PreferredUS · Chase · Chase Ultimate RewardsUSD 95.00標準年費
計算說明: USD 150,000 shared annual bonus cap. Telecom means internet/cable/phone; advertising means eligible search/social platforms.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 旅遊（一般）: 3 單位 / USD 1 · any · USD 150,000.00 / annual
- 運費／快遞: 3 單位 / USD 1 · any · USD 150,000.00 / annual
- 電話／網路／有線電視: 3 單位 / USD 1 · any · USD 150,000.00 / annual
- 搜尋／社群廣告: 3 單位 / USD 1 · any · USD 150,000.00 / annual
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Chase Ink Business UnlimitedUS · Chase · Chase Ultimate Rewards · cash / no transfer cardUSD 0.00標準年費
計算說明: 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.
海外手續費: 3% · 查核日: 2026-10-24
已建模回饋
- 其他所有消費: 1.5 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Chase Sapphire Preferred CardUS · Chase · Chase Ultimate RewardsUSD 95.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-23
已建模回饋
- 餐廳與外送: 3 單位 / USD 1 · any
- 加油與充電: 3 單位 / USD 1 · any
- 影音訂閱: 3 單位 / USD 1 · any
- 旅遊（一般）: 2 單位 / USD 1 · any
- 交通與叫車: 2 單位 / USD 1 · any
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Chase Sapphire ReserveUS · Chase · Chase Ultimate RewardsUSD 795.00標準年費
計算說明: Direct flights/hotels only. Portal bonus and statement credits excluded; purchases reimbursed by credits must be removed from spend. Priority Pass enrollment required.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 其他機票・航空公司直訂: 4 單位 / USD 1 · any
- 其他飯店・直訂: 4 單位 / USD 1 · any
- 餐廳與外送: 3 單位 / USD 1 · any
- 其他所有消費: 1 單位 / USD 1 · any
Priority Pass · ∞ · 同行 2 / Chase Sapphire Lounge · ∞ · 同行 2
官方／補充來源
Chase Sapphire Reserve for BusinessUS · Chase · Chase Ultimate RewardsUSD 795.00標準年費
計算說明: Direct flights/hotels; eligible search/social ads only. Conservative USD 1m ad cap reflects announced Nov 15, 2026 cap. Portal bonus/credits excluded.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 其他機票・航空公司直訂: 4 單位 / USD 1 · any
- 其他飯店・直訂: 4 單位 / USD 1 · any
- 搜尋／社群廣告: 3 單位 / USD 1 · any · USD 1,000,000.00 / annual
- 其他所有消費: 1 單位 / USD 1 · any
Priority Pass · ∞ · 同行 2 / Chase Sapphire Lounge · ∞ · 同行 2
官方／補充來源
Marriott Bonvoy Boundless Credit CardUS · Chase · Marriott BonvoyUSD 95.00標準年費
計算說明: 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.
海外手續費: 0% · 查核日: 2026-10-23
已建模回饋
- 萬豪酒店: 6 單位 / USD 1 · any
- 超市: 3 單位 / USD 1 · any · USD 6,000.00 / annual
- 加油與充電: 3 單位 / USD 1 · any · USD 6,000.00 / annual
- 餐廳與外送: 3 單位 / USD 1 · any · USD 6,000.00 / annual
- 其他所有消費: 2 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
World of Hyatt Credit CardUS · Chase · World of HyattUSD 95.00標準年費
計算說明: Card-earned points only. Fitness categories, free nights and status value excluded.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- Hyatt・直訂: 4 單位 / USD 1 · any
- 餐廳與外送: 2 單位 / USD 1 · any
- 其他機票・航空公司直訂: 2 單位 / USD 1 · any
- 交通與叫車: 2 單位 / USD 1 · any
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Citi2 張
Citi Double CashUS · Citi · Cash back (USD)USD 0.00標準年費
計算說明: Assumes all purchases are paid in full: 1% at purchase plus 1% on payment. Cash redemption value; enhanced transfers are not assumed.
海外手續費: 3% · 查核日: 2026-10-24
已建模回饋
- 其他所有消費: 2 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Citi Strata PremierUS · Citi · Citi ThankYouUSD 95.00標準年費
計算說明: Direct eligible purchases; Citi Travel bonus and hotel benefit excluded.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 其他機票・航空公司直訂: 3 單位 / USD 1 · any
- 其他飯店・直訂: 3 單位 / USD 1 · any
- 餐廳與外送: 3 單位 / USD 1 · any
- 超市: 3 單位 / USD 1 · any
- 加油與充電: 3 單位 / USD 1 · any
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Wells Fargo2 張
Wells Fargo Active CashUS · Wells Fargo · Cash back (USD)USD 0.00標準年費
計算說明: 2% cash rewards; 3% foreign conversion fee.
海外手續費: 3% · 查核日: 2026-10-24
已建模回饋
- 其他所有消費: 2 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Wells Fargo AutographUS · Wells Fargo · Wells Fargo RewardsUSD 0.00標準年費
計算說明: Eligible streaming and phone plans only; generic recurring bills do not qualify automatically.
海外手續費: 0% · 查核日: 2026-10-24
已建模回饋
- 旅遊（一般）: 3 單位 / USD 1 · any
- 餐廳與外送: 3 單位 / USD 1 · any
- 加油與充電: 3 單位 / USD 1 · any
- 交通與叫車: 3 單位 / USD 1 · any
- 影音訂閱: 3 單位 / USD 1 · any
- 電話／網路／有線電視: 3 單位 / USD 1 · any
- 其他所有消費: 1 單位 / USD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
台灣2 張
Cathay United Bank1 張
國泰世華 CUBE 卡TW · Cathay United Bank · 小樹點（信用卡）TWD 1,800.00標準年費
計算說明: 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。
海外手續費: 1.5% · 查核日: 2026-10-24
已建模回饋
- 其他所有消費: 0.003 單位 / TWD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。
官方／補充來源
Taipei Fubon Bank1 張
台北富邦 J 卡（J Cash）TW · Taipei Fubon Bank · TWD cash backTWD 1,800.00標準年費
計算說明: 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。
海外手續費: 1.5% · 查核日: 2026-10-24
已建模回饋
- 其他所有消費: 0.5 單位 / TWD 1 · any
尚未納入已確認的免費貴賓室權益，不代表沒有其他權益。