Find Your Best Canadian Credit Card

Adjust your monthly spending — your best matches update instantly.

Card type:

Monthly Spending Your spending data stays on your device and is never collected.
$300
$150
$200
$100
$150
$100
Combine cards that share a points pool
Included only when your entered spend meets the stored offer requirement
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← scroll to compare  ·  best match centred automatically

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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.
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Compare Two Cards Head to Head

Already narrowed it to two? These pages work through the earn rates, the category caps and the annual fees, and say at what spending level the answer changes.

Amex Cobalt vs Amex Gold
5x on food with a monthly cap against a flat 2x with no cap. Your grocery and restaurant total decides it.
Amex Cobalt vs Scotiabank Gold
Both pay 5x on groceries and dining. Only one caps the rate, and only one waives foreign transaction fees.
Scotia Momentum vs TD Cash Back
4% on groceries against 3% on groceries, gas and bills. The shared caps settle it, not the headline rate.
Amex Cobalt vs TD Aeroplan
Points volume against airline benefits. Cobalt points transfer to Aeroplan, which changes the usual argument.
TD Aeroplan vs CIBC Aeroplan
Same fee, same program, narrow differences in caps and insurance coverage.
Full Card Reviews
Earn rates, caps, insurance and eligibility for individual cards, including who should skip each one.
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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.