Find Your Best Canadian Credit Card

Enter your monthly spending below and we will show you which cards earn the most rewards, cash back, or travel points for your lifestyle.

Monthly Spending Calculator
Top matches for a balanced spender
Amex Cobalt Card
5x points on dining & groceries, 2x on travel
Best Overall
Scotia Gold American Express
6x points on dining, 5x on groceries & gas
No FX Fee
BMO Cashback World Elite
5% on groceries, 4% on transit, 3% on gas
Cash Back

Browse by Category

Not sure what you want? Start with a category that matches your biggest spending or travel goal.

Best Travel Cards
Earn points toward flights, hotels, and airport lounges. Great for frequent flyers.
Best Cash Back Cards
Get a percentage of every purchase back as cash. Simple, predictable rewards.
No Foreign Transaction Fee
Skip the 2.5% surcharge on international purchases and online USD shopping.
Best Aeroplan Cards
Earn Aeroplan points on everyday spending and redeem for Air Canada flights.
Best Grocery Cards
Maximize your largest household expense with elevated earn rates at grocery stores.
No Annual Fee Cards
Strong rewards without paying a yearly fee. Ideal for occasional spenders.

How CardGenie Works

We analyze your actual spending patterns — not generic profiles — to surface the cards that pay you the most.

1
Enter Your Monthly Spend
Fill in what you typically spend each month across groceries, gas, dining, travel, and other categories.
2
We Compare Every Card
CardGenie runs your numbers against 40+ Canadian credit cards, accounting for annual fees, earn rates, and welcome bonuses.
3
Pick Your Best Match
See your net annual value for each card ranked side by side. Apply directly with the issuer — no hidden referral pressure.