Best credit cards for dining in Canada for 2026

Verified Oct 16, 2026CAD

Ranked by what a couple's restaurant and takeout spending earns each year. Each card shows Year 1 against every year after, so a card that's mostly its welcome bonus is easy to spot.

Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology

Spending: Couple · $2,555/moRank these on my own spending

#1
Scotiabank
Gold American Express
$120 feeGroceries 5xDining 5x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$1,000
Year 2+$700
3 years $2,401 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$1,000
Year 2+$700
Welcome or anniversary bonus$300 / $0Rewards on spending$820 / $820Fees (taken off the end)−$120 / −$120
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
5x
Groc
Groceries
5x
Dine
Dining and takeout
3x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
3x
Transit
Transit and rideshare
3x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #1 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $2,401 after fees.
Year 1. $1,000 = welcome bonus $300 + rewards $820 − fee $120.
Each year after. $700 = rewards $820 − fee $120.
Against #2. Beats American Express Cobalt Card by $1,251 over 3 years, mostly on rewards on spending (+$940).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#2
American Express
Cobalt Card
$15.99/moDining 5xGas 2x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$483
Year 2+$333
3 years $1,149 after fees· pays for itself in month 3
Apply
Breakdown, earn rates and why it's ranked here
Year 1$483
Year 2+$333
Welcome or anniversary bonus$150 / $0Rewards on spending$507 / $507Credits$18 / $18Fees (taken off the end)−$192 / −$192
Pays for itself in month 3 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
1x
Groc
Groceries
5x
Dine
Dining and takeout
2x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
2x
Transit
Transit and rideshare
3x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #2 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,149 after fees.
Year 1. $483 = welcome bonus $150 + rewards $507 + credits $18 − fee $192.
Each year after. $333 = rewards $507 + credits $18 − fee $192.
Against #1. Trails Scotiabank Gold American Express by $1,251 over 3 years, mostly on rewards on spending (−$940).
Against #3. Trails Simplii Financial Cash Back Visa by $244 over 3 years, mostly on annual fees (−$576).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#3
Simplii Financial
Cash Back Visa
No annual feeDining 4%Groceries 1.5%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$531
Year 2+$431
3 years $1,393 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$531
Year 2+$431
Welcome or anniversary bonus$100 / $0Rewards on spending$431 / $431Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1.5%
Groc
Groceries
4%
Dine
Dining and takeout
1.5%
Gas
Gas and EV charging
0.5%
Air
Flights
0.5%
Hotel
Hotels and car rentals
0.5%
Transit
Transit and rideshare
0.5%
Stream
Streaming
1.5%
Drug
Drugstores
0.5%
Online
Online shopping
1.5%
Bills
Phone, internet and utilities
0.5%
Other
Everything else
Why it's ranked here
Ranked #3 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,393 after fees.
Year 1. $531 = welcome bonus $100 + rewards $431.
Each year after. $431 = rewards $431.
Against #2. Beats American Express Cobalt Card by $244 over 3 years, mostly on annual fees (+$576).
Against #4. Trails BMO eclipse Visa Infinite by $745 over 3 years, mostly on welcome bonus (−$369).
Verified Oct 16, 2026Every term and assumption
#4
BMO
eclipse Visa Infinite
$120 fee · yr 1 freeGroceries 5xDining 5x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$1,185
Year 2+$476
3 years $2,138 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$1,185
Year 2+$476
Welcome or anniversary bonus$469 / $0Rewards on spending$546 / $546Credits$170 / $50Fees (taken off the end)-$0 / −$120
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
5x
Groc
Groceries
5x
Dine
Dining and takeout
5x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
5x
Transit
Transit and rideshare
1x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #4 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $2,138 after fees.
Year 1. $1,185 = welcome bonus $469 + rewards $546 + credits $170.
Each year after. $476 = rewards $546 + credits $50 − fee $120.
Against #3. Beats Simplii Financial Cash Back Visa by $745 over 3 years, mostly on welcome bonus (+$369).
Against #5. Trails TD First Class Travel Visa Infinite by $330 over 3 years, mostly on welcome bonus (−$331).
Points valued at 0.67¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#5
TD
First Class Travel Visa Infinite
$139 fee · yr 1 freeGroceries 6xDining 6x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$1,449
Year 2+$510
3 years $2,468 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$1,449
Year 2+$510
Welcome or anniversary bonus$800 / $0Rewards on spending$589 / $589Credits$60 / $60Fees (taken off the end)-$0 / −$139
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
6x
Groc
Groceries
6x
Dine
Dining and takeout
2x
Gas
Gas and EV charging
2x
Air
Flights
2x
Hotel
Hotels and car rentals
6x
Transit
Transit and rideshare
4x
Stream
Streaming
2x
Drug
Drugstores
2x
Online
Online shopping
4x
Bills
Phone, internet and utilities
2x
Other
Everything else
Why it's ranked here
Ranked #5 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $2,468 after fees.
Year 1. $1,449 = welcome bonus $800 + rewards $589 + credits $60.
Each year after. $510 = rewards $589 + credits $60 − fee $139.
Against #4. Beats BMO eclipse Visa Infinite by $330 over 3 years, mostly on welcome bonus (+$331).
Against #6. Beats RBC Cash Back Preferred World Elite Mastercard by $751 over 3 years, mostly on welcome bonus (+$500).
Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#6
RBC
Cash Back Preferred World Elite Mastercard
$120 feeGroceries 3%Dining 3%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$772
Year 2+$472
3 years $1,717 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$772
Year 2+$472
Welcome or anniversary bonus$300 / $0Rewards on spending$592 / $592Fees (taken off the end)−$120 / −$120
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
3%
Groc
Groceries
3%
Dine
Dining and takeout
3%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
3%
Transit
Transit and rideshare
3%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #6 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,717 after fees.
Year 1. $772 = welcome bonus $300 + rewards $592 − fee $120.
Each year after. $472 = rewards $592 − fee $120.
Against #5. Trails TD First Class Travel Visa Infinite by $751 over 3 years, mostly on welcome bonus (−$500).
Against #7. Beats Desjardins Cash Back World Elite Mastercard by $154 over 3 years, mostly on welcome bonus (+$300).
Verified Oct 16, 2026Every term and assumption
#7
Desjardins
Cash Back World Elite Mastercard
$100 feeGroceries 4%Dining 3%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$521
Year 2+$521
3 years $1,563 after fees· pays for itself in month 2
Apply
Breakdown, earn rates and why it's ranked here
Year 1$521
Year 2+$521
Rewards on spending$621 / $621Fees (taken off the end)−$100 / −$100
Pays for itself in month 2 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
4%
Groc
Groceries
3%
Dine
Dining and takeout
1%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
3%
Transit
Transit and rideshare
1%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #7 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,563 after fees.
Year 1. $521 = rewards $621 − fee $100.
Each year after. $521 = rewards $621 − fee $100.
Against #6. Trails RBC Cash Back Preferred World Elite Mastercard by $154 over 3 years, mostly on welcome bonus (−$300).
Against #8. Beats TD Platinum Travel Visa by $167 over 3 years, mostly on rewards on spending (+$539).
Verified Oct 16, 2026Every term and assumption
#8
TD
Platinum Travel Visa
$89 fee · yr 1 freeGroceries 4.5xDining 4.5x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$691
Year 2+$352
3 years $1,396 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$691
Year 2+$352
Welcome or anniversary bonus$250 / $0Rewards on spending$441 / $441Fees (taken off the end)-$0 / −$89
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
4.5x
Groc
Groceries
4.5x
Dine
Dining and takeout
1.5x
Gas
Gas and EV charging
1.5x
Air
Flights
1.5x
Hotel
Hotels and car rentals
4.5x
Transit
Transit and rideshare
3x
Stream
Streaming
1.5x
Drug
Drugstores
1.5x
Online
Online shopping
3x
Bills
Phone, internet and utilities
1.5x
Other
Everything else
Why it's ranked here
Ranked #8 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,396 after fees.
Year 1. $691 = welcome bonus $250 + rewards $441.
Each year after. $352 = rewards $441 − fee $89.
Against #7. Trails Desjardins Cash Back World Elite Mastercard by $167 over 3 years, mostly on rewards on spending (−$539).
Against #9. Trails American Express SimplyCash Preferred by $874 over 3 years, mostly on rewards on spending (−$1,055).
Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#9
American Express
SimplyCash Preferred
$119.88 feeGroceries 4%Gas 4%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$873
Year 2+$673
3 years $2,270 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$873
Year 2+$673
Welcome or anniversary bonus$200 / $0Rewards on spending$793 / $793Fees (taken off the end)−$120 / −$120
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
4%
Groc
Groceries
2%
Dine
Dining and takeout
4%
Gas
Gas and EV charging
2%
Air
Flights
2%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
2%
Stream
Streaming
2%
Drug
Drugstores
2%
Online
Online shopping
2%
Bills
Phone, internet and utilities
2%
Other
Everything else
Why it's ranked here
Ranked #9 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $2,270 after fees.
Year 1. $873 = welcome bonus $200 + rewards $793 − fee $120.
Each year after. $673 = rewards $793 − fee $120.
Against #8. Beats TD Platinum Travel Visa by $874 over 3 years, mostly on rewards on spending (+$1,055).
Against #10. Beats CIBC Dividend Visa Infinite by $314 over 3 years, mostly on rewards on spending (+$383).
Verified Oct 16, 2026Every term and assumption
#10
CIBC
Dividend Visa Infinite
$120 fee · yr 1 freeGroceries 4%Dining 2%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$865
Year 2+$545
3 years $1,956 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$865
Year 2+$545
Welcome or anniversary bonus$200 / $0Rewards on spending$665 / $665Fees (taken off the end)-$0 / −$120
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
4%
Groc
Groceries
2%
Dine
Dining and takeout
4%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
2%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
2%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #10 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,956 after fees.
Year 1. $865 = welcome bonus $200 + rewards $665.
Each year after. $545 = rewards $665 − fee $120.
Against #9. Trails American Express SimplyCash Preferred by $314 over 3 years, mostly on rewards on spending (−$383).
Against #11. Beats Scotiabank Platinum American Express by $314 over 3 years, mostly on annual fees (+$957).
Verified Oct 16, 2026Every term and assumption
#11
Scotiabank
Platinum American Express
$399 fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$1,014
Year 2+$214
3 years $1,643 after fees· pays for itself in month 2Mostly first-year value
Apply
Breakdown, earn rates and why it's ranked here
Year 1$1,014
Year 2+$214
Welcome or anniversary bonus$800 / $0Rewards on spending$613 / $613Fees (taken off the end)−$399 / −$399
Pays for itself in month 2 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
2x
Groc
Groceries
2x
Dine
Dining and takeout
2x
Gas
Gas and EV charging
2x
Air
Flights
2x
Hotel
Hotels and car rentals
2x
Transit
Transit and rideshare
2x
Stream
Streaming
2x
Drug
Drugstores
2x
Online
Online shopping
2x
Bills
Phone, internet and utilities
2x
Other
Everything else
Why it's ranked here
Ranked #11 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,643 after fees.
Year 1. $1,014 = welcome bonus $800 + rewards $613 − fee $399.
Each year after. $214 = rewards $613 − fee $399.
Against #10. Trails CIBC Dividend Visa Infinite by $314 over 3 years, mostly on annual fees (−$957).
Against #12. Beats Scotiabank American Express Card by $86 over 3 years, mostly on annual fees (−$1,197).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#12
Scotiabank
American Express Card
No annual feeGroceries 3xDining 2x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$585
Year 2+$485
3 years $1,556 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$585
Year 2+$485
Welcome or anniversary bonus$100 / $0Rewards on spending$485 / $485Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
3x
Groc
Groceries
2x
Dine
Dining and takeout
2x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
2x
Transit
Transit and rideshare
2x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #12 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,556 after fees.
Year 1. $585 = welcome bonus $100 + rewards $485.
Each year after. $485 = rewards $485.
Against #11. Trails Scotiabank Platinum American Express by $86 over 3 years, mostly on annual fees (+$1,197).
Against #13. Beats Scotiabank Passport Visa Infinite by $365 over 3 years, mostly on annual fees (+$450).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#13
Scotiabank
Passport Visa Infinite
$150 feeGroceries 3xDining 2x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$564
Year 2+$314
3 years $1,191 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$564
Year 2+$314
Welcome or anniversary bonus$250 / $0Rewards on spending$464 / $464Fees (taken off the end)−$150 / −$150
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
3x
Groc
Groceries
2x
Dine
Dining and takeout
1x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
2x
Transit
Transit and rideshare
1x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #13 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,191 after fees.
Year 1. $564 = welcome bonus $250 + rewards $464 − fee $150.
Each year after. $314 = rewards $464 − fee $150.
Against #12. Trails Scotiabank American Express Card by $365 over 3 years, mostly on annual fees (−$450).
Against #14. Beats Tangerine Money-Back Credit Card by $119 over 3 years, mostly on annual fees (−$450).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#14
Tangerine
Money-Back Credit Card
No annual feeGroceries 2%Dining 2%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$424
Year 2+$324
3 years $1,073 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$424
Year 2+$324
Welcome or anniversary bonus$100 / $0Rewards on spending$324 / $324Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
2%
Groc
Groceries
2%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
0.5%
Air
Flights
2%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
0.5%
Stream
Streaming
2%
Drug
Drugstores
0.5%
Online
Online shopping
2%
Bills
Phone, internet and utilities
0.5%
Other
Everything else
Why it's ranked here
Ranked #14 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,073 after fees.
Year 1. $424 = welcome bonus $100 + rewards $324.
Each year after. $324 = rewards $324.
Against #13. Trails Scotiabank Passport Visa Infinite by $119 over 3 years, mostly on annual fees (+$450).
Against #15. Beats National Bank World Elite Mastercard by $273 over 3 years, mostly on annual fees (+$450).
Verified Oct 16, 2026Every term and assumption
#15
National Bank
World Elite Mastercard
$150 feeGroceries 5xDining 5x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$267
Year 2+$267
3 years $800 after fees· pays for itself in month 5
Apply
Breakdown, earn rates and why it's ranked here
Year 1$267
Year 2+$267
Rewards on spending$327 / $327Credits$90 / $90Fees (taken off the end)−$150 / −$150
Pays for itself in month 5 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
5x
Groc
Groceries
5x
Dine
Dining and takeout
2x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
1x
Transit
Transit and rideshare
1x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
2x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #15 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $800 after fees.
Year 1. $267 = rewards $327 + credits $90 − fee $150.
Each year after. $267 = rewards $327 + credits $90 − fee $150.
Against #14. Trails Tangerine Money-Back Credit Card by $273 over 3 years, mostly on annual fees (−$450).
Against #16. Beats American Express Platinum Card by $1,308 over 3 years, mostly on annual fees (+$1,947).
Points valued at 0.40¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#16
American Express
Platinum Card
$799 feeDining 2xFlights 2x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1−$269
Year 2+−$269
3 years −$508 after fees· never covers its fee
Apply
Breakdown, earn rates and why it's ranked here
Year 1−$269
Year 2+−$269
Rewards on spending$370 / $370Credits$160 / $160Fees (taken off the end)−$799 / −$799
Doesn't cover its fees within 3 years
Year 1Year 2Year 3
Earn rate by category
1x
Groc
Groceries
2x
Dine
Dining and takeout
1x
Gas
Gas and EV charging
2x
Air
Flights
2x
Hotel
Hotels and car rentals
1x
Transit
Transit and rideshare
1x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #16 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth −$508 after fees.
Year 1. −$269 = rewards $370 + credits $160 − fee $799.
Each year after. −$269 = rewards $370 + credits $160 − fee $799.
Against #15. Trails National Bank World Elite Mastercard by $1,308 over 3 years, mostly on annual fees (−$1,947).
Against #17. Trails RBC ION+ Visa by $1,557 over 3 years, mostly on annual fees (−$2,253).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#17
RBC
ION+ Visa
$48 feeGroceries 3xDining 3x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$417
Year 2+$295
3 years $1,049 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$417
Year 2+$295
Welcome or anniversary bonus$122 / $0Rewards on spending$343 / $343Fees (taken off the end)−$48 / −$48
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
3x
Groc
Groceries
3x
Dine
Dining and takeout
3x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
3x
Transit
Transit and rideshare
3x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #17 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,049 after fees.
Year 1. $417 = welcome bonus $122 + rewards $343 − fee $48.
Each year after. $295 = rewards $343 − fee $48.
Against #16. Beats American Express Platinum Card by $1,557 over 3 years, mostly on annual fees (+$2,253).
Against #18. Trails Rogers Bank Red World Elite Mastercard by $331 over 3 years, mostly on rewards on spending (−$349).
Points valued at 0.58¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#18
Rogers Bank
Red World Elite Mastercard
No annual fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$460
Year 2+$460
3 years $1,380 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$460
Year 2+$460
Rewards on spending$460 / $460Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1.5%
Groc
Groceries
1.5%
Dine
Dining and takeout
1.5%
Gas
Gas and EV charging
1.5%
Air
Flights
1.5%
Hotel
Hotels and car rentals
1.5%
Transit
Transit and rideshare
1.5%
Stream
Streaming
1.5%
Drug
Drugstores
1.5%
Online
Online shopping
1.5%
Bills
Phone, internet and utilities
1.5%
Other
Everything else
Why it's ranked here
Ranked #18 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,380 after fees.
Year 1. $460 = rewards $460.
Each year after. $460 = rewards $460.
Against #17. Beats RBC ION+ Visa by $331 over 3 years, mostly on rewards on spending (+$349).
Against #19. Beats Tangerine Rewards World Elite Mastercard by $95 over 3 years, mostly on welcome bonus (−$500).
Verified Oct 16, 2026Every term and assumption
#19
Tangerine
Rewards World Elite Mastercard
$120 feeGroceries 1.5xDining 1.5x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$762
Year 2+$262
3 years $1,285 after fees· pays for itself in month 2
Apply
Breakdown, earn rates and why it's ranked here
Year 1$762
Year 2+$262
Welcome or anniversary bonus$500 / $0Rewards on spending$382 / $382Fees (taken off the end)−$120 / −$120
Pays for itself in month 2 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
1.5x
Groc
Groceries
1.5x
Dine
Dining and takeout
1.5x
Gas
Gas and EV charging
1x
Air
Flights
1.5x
Hotel
Hotels and car rentals
1.5x
Transit
Transit and rideshare
1x
Stream
Streaming
1.5x
Drug
Drugstores
1x
Online
Online shopping
1.5x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #19 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,285 after fees.
Year 1. $762 = welcome bonus $500 + rewards $382 − fee $120.
Each year after. $262 = rewards $382 − fee $120.
Against #18. Trails Rogers Bank Red World Elite Mastercard by $95 over 3 years, mostly on welcome bonus (+$500).
Against #20. Beats RBC WestJet World Elite Mastercard by $158 over 3 years, mostly on welcome bonus (+$500).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#20
RBC
WestJet World Elite Mastercard
$139 feeGroceries 2xGas 2x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1estimated value, about $376, based on 1 cents per point
Year 2+estimated value, about $376, based on 1 cents per point
3 years estimated value, about $1,127, based on 1 cents per point after fees· pays for itself in month 4Bonus not counted
Apply
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $376, based on 1 cents per point
Year 2+estimated value, about $376, based on 1 cents per point
Rewards on spending$515 / $515Fees (taken off the end)−$139 / −$139
Pays for itself in month 4 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
2x
Groc
Groceries
1.5x
Dine
Dining and takeout
2x
Gas
Gas and EV charging
2x
Air
Flights
1.5x
Hotel
Hotels and car rentals
2x
Transit
Transit and rideshare
1.5x
Stream
Streaming
1.5x
Drug
Drugstores
1.5x
Online
Online shopping
1.5x
Bills
Phone, internet and utilities
1.5x
Other
Everything else
Why it's ranked here
Ranked #20 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth about $1,127 (estimated) after fees.
Year 1. about $376 (estimated) = rewards $515 − fee $139.
Each year after. about $376 (estimated) = rewards $515 − fee $139.
Against #19. Trails Tangerine Rewards World Elite Mastercard by $158 over 3 years, mostly on welcome bonus (−$500).
Against #21. Beats TD Rewards Visa by $234 over 3 years, mostly on rewards on spending (+$727).
Not counted. Welcome offer not counted: Up to 70,000 WestJet points; the spend requirements aren't on the card page.
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#21
TD
Rewards Visa
No annual feeGroceries 3xDining 3x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$348
Year 2+$272
3 years $893 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$348
Year 2+$272
Welcome or anniversary bonus$76 / $0Rewards on spending$272 / $272Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
3x
Groc
Groceries
3x
Dine
Dining and takeout
1x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
3x
Transit
Transit and rideshare
2x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
2x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #21 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $893 after fees.
Year 1. $348 = welcome bonus $76 + rewards $272.
Each year after. $272 = rewards $272.
Against #20. Trails RBC WestJet World Elite Mastercard by $234 over 3 years, mostly on rewards on spending (−$727).
Against #22. Beats TD Aeroplan Visa Infinite Privilege by $373 over 3 years, mostly on annual fees (+$1,797).
Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#22
TD
Aeroplan Visa Infinite Privilege
$599 feeGroceries 1.5xDining 1.5x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1estimated value, about $840, based on 1 cents per point
Year 2+estimated value, about −$160, based on 1 cents per point
3 years estimated value, about $519, based on 1 cents per point after fees· pays for itself in month 5Mostly first-year value
Apply
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $840, based on 1 cents per point
Year 2+estimated value, about −$160, based on 1 cents per point
Welcome or anniversary bonus$1,000 / $0Rewards on spending$426 / $426Credits$13 / $13Fees (taken off the end)−$599 / −$599
Pays for itself in month 5 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
1.5x
Groc
Groceries
1.5x
Dine
Dining and takeout
1.5x
Gas
Gas and EV charging
2x
Air
Flights
1.5x
Hotel
Hotels and car rentals
1.5x
Transit
Transit and rideshare
1.25x
Stream
Streaming
1.25x
Drug
Drugstores
1.25x
Online
Online shopping
1.25x
Bills
Phone, internet and utilities
1.25x
Other
Everything else
Why it's ranked here
Ranked #22 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth about $519 (estimated) after fees.
Year 1. about $840 (estimated) = welcome bonus $1,000 + rewards $426 + credits $13 − fee $599.
Each year after. about −$160 (estimated) = rewards $426 + credits $13 − fee $599.
Against #21. Trails TD Rewards Visa by $373 over 3 years, mostly on annual fees (−$1,797).
Against #23. Trails Scotiabank Momentum Visa Infinite by $1,540 over 3 years, mostly on annual fees (−$1,557).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#23
Scotiabank
Momentum Visa Infinite
$120 fee · yr 1 freeGroceries 4%Bills 4%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$967
Year 2+$547
3 years $2,060 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$967
Year 2+$547
Welcome or anniversary bonus$300 / $0Rewards on spending$667 / $667Fees (taken off the end)-$0 / −$120
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
4%
Groc
Groceries
1%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
4%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
4%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #23 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $2,060 after fees.
Year 1. $967 = welcome bonus $300 + rewards $667.
Each year after. $547 = rewards $667 − fee $120.
Against #22. Beats TD Aeroplan Visa Infinite Privilege by $1,540 over 3 years, mostly on annual fees (+$1,557).
Against #24. Beats TD Cash Back Visa Infinite by $247 over 3 years, mostly on rewards on spending (+$259).
Verified Oct 16, 2026Every term and assumption
#24
TD
Cash Back Visa Infinite
$139 fee · yr 1 freeGroceries 3%Bills 3%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$930
Year 2+$441
3 years $1,813 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$930
Year 2+$441
Welcome or anniversary bonus$350 / $0Rewards on spending$580 / $580Fees (taken off the end)-$0 / −$139
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
3%
Groc
Groceries
1%
Dine
Dining and takeout
3%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
3%
Transit
Transit and rideshare
3%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
3%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #24 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,813 after fees.
Year 1. $930 = welcome bonus $350 + rewards $580.
Each year after. $441 = rewards $580 − fee $139.
Against #23. Trails Scotiabank Momentum Visa Infinite by $247 over 3 years, mostly on rewards on spending (−$259).
Against #25. Beats PC Financial PC World Elite Mastercard by $360 over 3 years, mostly on rewards on spending (+$338).
Verified Oct 16, 2026Every term and assumption
#25
PC Financial
PC World Elite Mastercard
No annual feeGroceries 30xDrugstores 45x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$517
Year 2+$467
3 years $1,452 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$517
Year 2+$467
Welcome or anniversary bonus$50 / $0Rewards on spending$467 / $467Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
30x
Groc
Groceries
10x
Dine
Dining and takeout
10x
Gas
Gas and EV charging
10x
Air
Flights
10x
Hotel
Hotels and car rentals
10x
Transit
Transit and rideshare
10x
Stream
Streaming
45x
Drug
Drugstores
10x
Online
Online shopping
10x
Bills
Phone, internet and utilities
10x
Other
Everything else
Why it's ranked here
Ranked #25 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,452 after fees.
Year 1. $517 = welcome bonus $50 + rewards $467.
Each year after. $467 = rewards $467.
Against #24. Trails TD Cash Back Visa Infinite by $360 over 3 years, mostly on rewards on spending (−$338).
Against #26. Beats CIBC Aventura Visa Infinite by $8 over 3 years, mostly on welcome bonus (−$550).
Points valued at 0.10¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#26
CIBC
Aventura Visa Infinite
$139 fee · yr 1 freeGroceries 1.5xGas 1.5x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$974
Year 2+$235
3 years $1,444 after fees· pays for itself in month 1Mostly first-year value
Apply
Breakdown, earn rates and why it's ranked here
Year 1$974
Year 2+$235
Welcome or anniversary bonus$600 / $0Rewards on spending$354 / $354Credits$20 / $20Fees (taken off the end)-$0 / −$139
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
1.5x
Groc
Groceries
1x
Dine
Dining and takeout
1.5x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
1x
Transit
Transit and rideshare
1x
Stream
Streaming
1.5x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #26 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,444 after fees.
Year 1. $974 = welcome bonus $600 + rewards $354 + credits $20.
Each year after. $235 = rewards $354 + credits $20 − fee $139.
Against #25. Trails PC Financial PC World Elite Mastercard by $8 over 3 years, mostly on welcome bonus (+$550).
Against #27. Beats American Express Gold Rewards Card by $87 over 3 years, mostly on annual fees (+$472).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#27
American Express
Gold Rewards Card
$250 feeGroceries 2xGas 2x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$852
Year 2+$252
3 years $1,357 after fees· pays for itself in month 2Mostly first-year value
Apply
Breakdown, earn rates and why it's ranked here
Year 1$852
Year 2+$252
Welcome or anniversary bonus$600 / $0Rewards on spending$422 / $422Credits$80 / $80Fees (taken off the end)−$250 / −$250
Pays for itself in month 2 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
2x
Groc
Groceries
1x
Dine
Dining and takeout
2x
Gas
Gas and EV charging
2x
Air
Flights
2x
Hotel
Hotels and car rentals
1x
Transit
Transit and rideshare
1x
Stream
Streaming
2x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #27 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,357 after fees.
Year 1. $852 = welcome bonus $600 + rewards $422 + credits $80 − fee $250.
Each year after. $252 = rewards $422 + credits $80 − fee $250.
Against #26. Trails CIBC Aventura Visa Infinite by $87 over 3 years, mostly on annual fees (−$472).
Against #28. Beats TD Aeroplan Visa Infinite by $43 over 3 years, mostly on annual fees (−$472).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#28
TD
Aeroplan Visa Infinite
$139 fee · yr 1 freeGroceries 1.5xGas 1.5x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1estimated value, about $864, based on 1 cents per point
Year 2+estimated value, about $225, based on 1 cents per point
3 years estimated value, about $1,314, based on 1 cents per point after fees· pays for itself in month 1Mostly first-year value
Apply
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $864, based on 1 cents per point
Year 2+estimated value, about $225, based on 1 cents per point
Welcome or anniversary bonus$500 / $0Rewards on spending$352 / $352Credits$13 / $13Fees (taken off the end)-$0 / −$139
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
1.5x
Groc
Groceries
1x
Dine
Dining and takeout
1.5x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
1x
Transit
Transit and rideshare
1x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #28 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth about $1,314 (estimated) after fees.
Year 1. about $864 (estimated) = welcome bonus $500 + rewards $352 + credits $13.
Each year after. about $225 (estimated) = rewards $352 + credits $13 − fee $139.
Against #27. Trails American Express Gold Rewards Card by $43 over 3 years, mostly on annual fees (+$472).
Against #29. Beats Scotiabank Momentum Visa by $117 over 3 years, mostly on welcome bonus (+$500).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#29
Scotiabank
Momentum Visa
$49 feeGroceries 2%Bills 2%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$399
Year 2+$399
3 years $1,198 after fees· pays for itself in month 2
Apply
Breakdown, earn rates and why it's ranked here
Year 1$399
Year 2+$399
Rewards on spending$448 / $448Fees (taken off the end)−$49 / −$49
Pays for itself in month 2 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
2%
Groc
Groceries
1%
Dine
Dining and takeout
2%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
2%
Transit
Transit and rideshare
2%
Stream
Streaming
2%
Drug
Drugstores
1%
Online
Online shopping
2%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #29 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,198 after fees.
Year 1. $399 = rewards $448 − fee $49.
Each year after. $399 = rewards $448 − fee $49.
Against #28. Trails TD Aeroplan Visa Infinite by $117 over 3 years, mostly on welcome bonus (−$500).
Against #30. Beats Scotiabank Scene+ Visa by $120 over 3 years, mostly on rewards on spending (+$317).
Verified Oct 16, 2026Every term and assumption
#30
Scotiabank
Scene+ Visa
No annual feeGroceries 2x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$393
Year 2+$343
3 years $1,078 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$393
Year 2+$343
Welcome or anniversary bonus$50 / $0Rewards on spending$343 / $343Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
2x
Groc
Groceries
1x
Dine
Dining and takeout
1x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
1x
Transit
Transit and rideshare
1x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #30 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $1,078 after fees.
Year 1. $393 = welcome bonus $50 + rewards $343.
Each year after. $343 = rewards $343.
Against #29. Trails Scotiabank Momentum Visa by $120 over 3 years, mostly on rewards on spending (−$317).
Against #31. Beats Brim Financial World Elite Mastercard by $425 over 3 years, mostly on annual fees (+$267).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#31
Brim Financial
World Elite Mastercard
$89 fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$218
Year 2+$218
3 years $653 after fees· pays for itself in month 4
Apply
Breakdown, earn rates and why it's ranked here
Year 1$218
Year 2+$218
Rewards on spending$307 / $307Fees (taken off the end)−$89 / −$89
Pays for itself in month 4 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
1%
Groc
Groceries
1%
Dine
Dining and takeout
1%
Gas
Gas and EV charging
1%
Air
Flights
1%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
1%
Stream
Streaming
1%
Drug
Drugstores
1%
Online
Online shopping
1%
Bills
Phone, internet and utilities
1%
Other
Everything else
Why it's ranked here
Ranked #31 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $653 after fees.
Year 1. $218 = rewards $307 − fee $89.
Each year after. $218 = rewards $307 − fee $89.
Against #30. Trails Scotiabank Scene+ Visa by $425 over 3 years, mostly on annual fees (−$267).
Against #32. Beats RBC Avion Visa Infinite Privilege by $603 over 3 years, mostly on annual fees (+$930).
Verified Oct 16, 2026Every term and assumption
#32
RBC
Avion Visa Infinite Privilege
$399 fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$142
Year 2+−$177
3 years $50 after fees· pays for itself in month 5Mostly first-year value
Apply
Breakdown, earn rates and why it's ranked here
Year 1$142
Year 2+−$177
Welcome or anniversary bonus$319 / $0Rewards on spending$222 / $222Fees (taken off the end)−$399 / −$399
Pays for itself in month 5 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
1.25x
Groc
Groceries
1.25x
Dine
Dining and takeout
1.25x
Gas
Gas and EV charging
1.25x
Air
Flights
1.25x
Hotel
Hotels and car rentals
1.25x
Transit
Transit and rideshare
1.25x
Stream
Streaming
1.25x
Drug
Drugstores
1.25x
Online
Online shopping
1.25x
Bills
Phone, internet and utilities
1.25x
Other
Everything else
Why it's ranked here
Ranked #32 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $50 after fees.
Year 1. $142 = welcome bonus $319 + rewards $222 − fee $399.
Each year after. −$177 = rewards $222 − fee $399.
Against #31. Trails Brim Financial World Elite Mastercard by $603 over 3 years, mostly on annual fees (−$930).
Against #33. Trails TD Aeroplan Visa Platinum by $676 over 3 years, mostly on annual fees (−$1,019).
Points valued at 0.58¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#33
TD
Aeroplan Visa Platinum
$89 fee · yr 1 freeGroceries 1xGas 1x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1estimated value, about $434, based on 1 cents per point
Year 2+estimated value, about $145, based on 1 cents per point
3 years estimated value, about $725, based on 1 cents per point after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $434, based on 1 cents per point
Year 2+estimated value, about $145, based on 1 cents per point
Welcome or anniversary bonus$200 / $0Rewards on spending$234 / $234Fees (taken off the end)-$0 / −$89
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
1x
Groc
Groceries
0.667x
Dine
Dining and takeout
1x
Gas
Gas and EV charging
0.667x
Air
Flights
0.667x
Hotel
Hotels and car rentals
0.667x
Transit
Transit and rideshare
0.667x
Stream
Streaming
0.667x
Drug
Drugstores
0.667x
Online
Online shopping
0.667x
Bills
Phone, internet and utilities
0.667x
Other
Everything else
Why it's ranked here
Ranked #33 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth about $725 (estimated) after fees.
Year 1. about $434 (estimated) = welcome bonus $200 + rewards $234.
Each year after. about $145 (estimated) = rewards $234 − fee $89.
Against #32. Beats RBC Avion Visa Infinite Privilege by $676 over 3 years, mostly on annual fees (+$1,019).
Against #34. Beats RBC ION Visa by $23 over 3 years, mostly on annual fees (−$178).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#34
RBC
ION Visa
No annual feeGroceries 1.5xGas 1.5x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$288
Year 2+$207
3 years $702 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$288
Year 2+$207
Welcome or anniversary bonus$81 / $0Rewards on spending$207 / $207Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1.5x
Groc
Groceries
1x
Dine
Dining and takeout
1.5x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
1.5x
Transit
Transit and rideshare
1.5x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #34 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $702 after fees.
Year 1. $288 = welcome bonus $81 + rewards $207.
Each year after. $207 = rewards $207.
Against #33. Trails TD Aeroplan Visa Platinum by $23 over 3 years, mostly on annual fees (+$178).
Against #35. Beats RBC Avion Visa Infinite by $114 over 3 years, mostly on annual fees (+$360).
Points valued at 0.58¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#35
RBC
Avion Visa Infinite
$120 feeFlights 1.25xHotels 1.25x
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$380
Year 2+$61
3 years $589 after fees· pays for itself in month 1Mostly first-year value
Apply
Breakdown, earn rates and why it's ranked here
Year 1$380
Year 2+$61
Welcome or anniversary bonus$319 / $0Rewards on spending$181 / $181Fees (taken off the end)−$120 / −$120
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
1x
Groc
Groceries
1x
Dine
Dining and takeout
1x
Gas
Gas and EV charging
1.25x
Air
Flights
1.25x
Hotel
Hotels and car rentals
1x
Transit
Transit and rideshare
1x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #35 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $589 after fees.
Year 1. $380 = welcome bonus $319 + rewards $181 − fee $120.
Each year after. $61 = rewards $181 − fee $120.
Against #34. Trails RBC ION Visa by $114 over 3 years, mostly on annual fees (−$360).
Against #36. Beats RBC Avion Visa Platinum by $9 over 3 years, mostly on rewards on spending (+$9).
Points valued at 0.58¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#36
RBC
Avion Visa Platinum
$120 fee
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$377
Year 2+$58
3 years $579 after fees· pays for itself in month 1Mostly first-year value
Apply
Breakdown, earn rates and why it's ranked here
Year 1$377
Year 2+$58
Welcome or anniversary bonus$319 / $0Rewards on spending$178 / $178Fees (taken off the end)−$120 / −$120
Pays for itself in month 1 · value so far covers fees so far
Year 1Year 2Year 3
Earn rate by category
1x
Groc
Groceries
1x
Dine
Dining and takeout
1x
Gas
Gas and EV charging
1x
Air
Flights
1x
Hotel
Hotels and car rentals
1x
Transit
Transit and rideshare
1x
Stream
Streaming
1x
Drug
Drugstores
1x
Online
Online shopping
1x
Bills
Phone, internet and utilities
1x
Other
Everything else
Why it's ranked here
Ranked #36 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $579 after fees.
Year 1. $377 = welcome bonus $319 + rewards $178 − fee $120.
Each year after. $58 = rewards $178 − fee $120.
Against #35. Trails RBC Avion Visa Infinite by $9 over 3 years, mostly on rewards on spending (−$9).
Against #37. Trails RBC Cash Back Mastercard by $342 over 3 years, mostly on annual fees (−$360).
Points valued at 0.58¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption
#37
RBC
Cash Back Mastercard
No annual feeGroceries 2%Gas 1%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$374
Year 2+$274
3 years $922 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$374
Year 2+$274
Welcome or anniversary bonus$100 / $0Rewards on spending$274 / $274Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
2%
Groc
Groceries
0.5%
Dine
Dining and takeout
1%
Gas
Gas and EV charging
0.5%
Air
Flights
0.5%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
0.5%
Stream
Streaming
0.5%
Drug
Drugstores
0.5%
Online
Online shopping
0.5%
Bills
Phone, internet and utilities
0.5%
Other
Everything else
Why it's ranked here
Ranked #37 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $922 after fees.
Year 1. $374 = welcome bonus $100 + rewards $274.
Each year after. $274 = rewards $274.
Against #36. Beats RBC Avion Visa Platinum by $342 over 3 years, mostly on annual fees (+$360).
Against #38. Beats Scotiabank Momentum No-Fee Visa by $149 over 3 years, mostly on rewards on spending (+$149).
Verified Oct 16, 2026Every term and assumption
#38
Scotiabank
Momentum No-Fee Visa
No annual feeGroceries 1%Bills 1%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$324
Year 2+$224
3 years $772 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$324
Year 2+$224
Welcome or anniversary bonus$100 / $0Rewards on spending$224 / $224Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1%
Groc
Groceries
0.5%
Dine
Dining and takeout
1%
Gas
Gas and EV charging
0.5%
Air
Flights
0.5%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
1%
Stream
Streaming
1%
Drug
Drugstores
0.5%
Online
Online shopping
1%
Bills
Phone, internet and utilities
0.5%
Other
Everything else
Why it's ranked here
Ranked #38 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $772 after fees.
Year 1. $324 = welcome bonus $100 + rewards $224.
Each year after. $224 = rewards $224.
Against #37. Trails RBC Cash Back Mastercard by $149 over 3 years, mostly on rewards on spending (−$149).
Against #39. Beats TD Cash Back Visa by $140 over 3 years, mostly on welcome bonus (+$100).
Verified Oct 16, 2026Every term and assumption
#39
TD
Cash Back Visa
No annual feeGroceries 1%Bills 1%
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$211
Year 2+$211
3 years $632 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$211
Year 2+$211
Rewards on spending$211 / $211Fees (taken off the end)-$0 / -$0
No annual fee
Year 1Year 2Year 3
Earn rate by category
1%
Groc
Groceries
0.5%
Dine
Dining and takeout
1%
Gas
Gas and EV charging
0.5%
Air
Flights
0.5%
Hotel
Hotels and car rentals
1%
Transit
Transit and rideshare
1%
Stream
Streaming
0.5%
Drug
Drugstores
0.5%
Online
Online shopping
1%
Bills
Phone, internet and utilities
0.5%
Other
Everything else
Why it's ranked here
Ranked #39 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth $632 after fees.
Year 1. $211 = rewards $211.
Each year after. $211 = rewards $211.
Against #38. Trails Scotiabank Momentum No-Fee Visa by $140 over 3 years, mostly on welcome bonus (−$100).
Against #40. Beats TD Low Rate Visa by $682 over 3 years, mostly on rewards on spending (+$632).
Verified Oct 16, 2026Every term and assumption
#40
TD
Low Rate Visa
$25 fee · yr 1 free
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
Year 1$0
Year 2+−$25
3 years −$50 after fees· never covers its fee
Apply
Breakdown, earn rates and why it's ranked here
Year 1$0
Year 2+−$25
Fees (taken off the end)-$0 / −$25
Doesn't cover its fees within 3 years
Year 1Year 2Year 3
Earn rate by category
0%
Groc
Groceries
0%
Dine
Dining and takeout
0%
Gas
Gas and EV charging
0%
Air
Flights
0%
Hotel
Hotels and car rentals
0%
Transit
Transit and rideshare
0%
Stream
Streaming
0%
Drug
Drugstores
0%
Online
Online shopping
0%
Bills
Phone, internet and utilities
0%
Other
Everything else
Why it's ranked here
Ranked #40 of 40. By earn on dining on the couple preset's spending. Over 3 years it's worth −$50 after fees.
Year 1. $0 = nothing.
Each year after. −$25 = fee $25.
Against #39. Trails TD Cash Back Visa by $682 over 3 years, mostly on rewards on spending (−$632).
Verified Oct 16, 2026Every term and assumption

All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.

Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.

Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.

More best-of lists

The ranking in numbers

Couple preset, $2,555 a month, after fees. "~" marks estimates.

Card	Year 1	Year 2+	3 years
Scotiabank Gold American Express	$1,000	$700	$2,401
American Express Cobalt Card	$483	$333	$1,149
Simplii Financial Cash Back Visa	$531	$431	$1,393
BMO eclipse Visa Infinite	$1,185	$476	$2,138
TD First Class Travel Visa Infinite	$1,449	$510	$2,468
RBC Cash Back Preferred World Elite Mastercard	$772	$472	$1,717
Desjardins Cash Back World Elite Mastercard	$521	$521	$1,563
TD Platinum Travel Visa	$691	$352	$1,396
American Express SimplyCash Preferred	$873	$673	$2,270
CIBC Dividend Visa Infinite	$865	$545	$1,956

Frequently asked questions

What are the best credit cards for dining?

On couple spending ($2,555 a month), Scotiabank Gold American Express ranks first: $1,000 in year 1 and $700 a year after fees.

How were these cards picked?

Ranked by what a couple's restaurant and takeout spending earns each year. The order comes from the same calculation as the comparison tool, with the same tie-breakers; commission never changes it.

Will the order be the same for me?

Only if you spend like the preset. This page sorts on dining alone, so a card with a lower rate there can still be worth more overall. Set your own numbers in the tool to see your order.

Sources

Estimates for information only; not financial advice. See how cards are ranked.