Rewards calculator
See which card earns you the most
Enter your monthly spending by category. We rank every Canadian credit card by annual rewards minus fees, using cited point values last updated 2026-07-29.
0Cards analyzed
~$0Average monthly spend
07-29Updated
$0Affiliate bias
Your monthly spending
$2,590/mo total
Annual fee:
| # | Card | Annual net value | Year 1 (incl. bonus) | Annual fee | Welcome value |
|---|---|---|---|---|---|
| 1 | More Rewards RBC Visa InfiniteRBC Royal Bank | +$1,896 | +$2,096 | No fee | +$200 |
| 2 | The American Express® Cobalt® CardAmerican Express | +$1,572 | +$1,872 | $191.88/yr | +$300 |
| 3 | More Rewards RBC VisaRBC Royal Bank | +$1,259 | +$1,459 | No fee | +$200 |
| 4 | RBC ION+ VisaRBC Royal Bank | +$1,236 | +$1,516 | $48/yr | +$280 |
| 5 | Scotiabank Gold American Express CardScotiabank | +$961 | +$1,411 | $120/yr | +$450 |
| 6 | CIBC Aeroplan Visa Business CardCIBC | +$799 | +$2,374 | $180/yr | +$1,575 |
| 7 | RBC ION VisaRBC Royal Bank | +$751 | +$891 | No fee | +$140 |
| 8 | SimplyCash® Preferred Card from American ExpressAmerican Express | +$742 | +$742 | $119.88/yr | — |
| 9 | American Express® Aeroplan®* CardAmerican Express | +$734 | +$1,679 | $120/yr | +$945 |
| 10 | American Express® Gold Rewards CardAmerican Express | +$686 | +$1,886 | $250/yr | +$1,200 |
Annual net value = (monthly spend × earn rate × 12) − annual fee. Welcome bonus added for Year 1. Point values from our cited valuations. Cards with unvalued currencies show $0 in those columns.
Dig deeper
Frequently asked
- How does the rewards calculator work?
- You enter how much you spend each month in categories like groceries, dining, and gas. The calculator looks up every card's earn rate in each category using our cited point valuations, multiplies by your spending, subtracts the annual fee, and ranks cards by net annual value.
- Where do the earn rates come from?
- From the official issuer product page. Every card in our dataset has earn rules sourced from the issuer's website, not from comparison sites. If a card's earn rate isn't published, we show $0 rather than guessing.
- How do you value points?
- Each reward currency (Aeroplan, Scene+, Membership Rewards, etc.) has a cited mid-market cents-per-point valuation from our methodology. Cash-back is valued at face value. See our points valuations page for the full list.
- What does 'annual net value' mean?
- It is your annual rewards (monthly spend per category × earn rate × 12 months) minus the annual fee. Year 1 also adds the welcome bonus value. Welomes are one-time; net value is what you earn year after year.
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