Free calculator
How much are you leaving on the table?
Enter your monthly spending. We rank every rewards card in Canada by what you would actually earn, and show the dollars your current card is costing you each year.
Your monthly spend
$2,590/moPick what you carry now to see your exact gap. Leave blank to compare against a typical card.
The average card costs you
$1,473
per year vs the best fit
Your best fit
More Rewards RBC Visa Infinite
RBC Royal Bank
Earns $1,896/yr net of fees + ~$200 first-year bonus.
See this card →Top cards for your spend
| # | Card | Annual fee | Net rewards/yr | vs your card |
|---|---|---|---|---|
| 1 | More Rewards RBC Visa InfiniteRBC Royal Bank | $0 | $1,896 | +$1,473 |
| 2 | The American Express® Cobalt® CardAmerican Express | $192 | $1,572 | +$1,149 |
| 3 | More Rewards RBC VisaRBC Royal Bank | $0 | $1,259 | +$836 |
| 4 | RBC ION+ VisaRBC Royal Bank | $48 | $1,236 | +$813 |
| 5 | Scotiabank Gold American Express CardScotiabank | $120 | $961 | +$538 |
| 6 | CIBC Aeroplan Visa Business CardCIBC | $180 | $799 | +$376 |
| 7 | RBC ION VisaRBC Royal Bank | $0 | $751 | +$328 |
| 8 | SimplyCash® Preferred Card from American ExpressAmerican Express | $120 | $742 | +$319 |
Net rewards = estimated annual earn at our cited point valuations, minus the annual fee. Welcome bonuses are first-year only and shown separately. Estimates are mid-market and not issuer-guaranteed. Nothing here is financial advice; confirm earn rates on the issuer page before applying.
Cited, never sponsored
Found a better card? Lock it in.
See the full, daily-refreshed details for your best fit, every figure linked to the issuer's own page.