Canadian Finance Hub

Credit Card Rewards Maximizer

How it works: Enter your monthly spending by category. We calculate annual rewards for each major Canadian card and rank them by total value to you.

Rewards Maximizer

Monthly spend: $1,800 → Annual: $21,600

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Best cards for your spending profile (net of annual fee)

Best for you

TD First Class Travel® Visa Infinite*

$139/yr fee

$725

net/year

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American Express Cobalt® Card

$156/yr fee

$612

net/year

BMO CashBack® World Elite® Mastercard®

$120/yr fee

$420

net/year

Tangerine Money-Back Credit Card

No annual fee

$360

net/year

Simplii Financial™ Cash Back Visa*

No annual fee

$324

net/year

Scotiabank Passport® Visa Infinite*

$150/yr fee

$306

net/year

Scotiabank Scene+™ Visa*

No annual fee

$288

net/year

TD Rewards Visa* Card

No annual fee

$288

net/year

Scotiabank® Scene+™ Visa* for Students

No annual fee

$288

net/year

TD Cash Back Visa Infinite*

$120/yr fee

$276

net/year

BMO Student Mastercard*

No annual fee

$216

net/year

CIBC Aventura® Visa Infinite*

$139/yr fee

$122

net/year

Reward values are estimated based on stated earn rates and a standard redemption value (1 point = $0.01 unless otherwise specified). Annual fees are factored in. Welcome bonuses are excluded. Always verify earn rates directly with the card issuer. We may earn a commission on approved applications at no cost to you.