Best credit cards for first-year value in Canada for 2026
Verified Oct 16, 2026CAD
Ranked by year 1 value on a big spender's spending, with what each card is worth after that. 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: Big spender · $7,960/moRank these on my own spending
- #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$2,446Year 2+$1,5073 years $5,461 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$2,446Year 2+$1,507Welcome or anniversary bonus$800 / $0Rewards on spending$1,586 / $1,586Credits$60 / $60Fees (taken off the end)-$0 / −$139 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
6xGrocGroceries6xDineDining and takeout2xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals6xTransitTransit and rideshare4xStreamStreaming2xDrugDrugstores2xOnlineOnline shopping4xBillsPhone, internet and utilities2xOtherEverything elseWhy it's ranked here
- Ranked #1 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $5,461 after fees.
- Year 1. $2,446 = welcome bonus $800 + rewards $1,586 + credits $60.
- Each year after. $1,507 = rewards $1,586 + credits $60 − fee $139.
- Against #2. Trails American Express SimplyCash Preferred by $1,240 over 3 years, mostly on rewards on spending (−$2,052).
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 - #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$2,351Year 2+$2,1513 years $6,702 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$2,351Year 2+$2,151Welcome or anniversary bonus$200 / $0Rewards on spending$2,270 / $2,270Fees (taken off the end)−$120 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
4%GrocGroceries2%DineDining and takeout4%GasGas and EV charging2%AirFlights2%HotelHotels and car rentals2%TransitTransit and rideshare2%StreamStreaming2%DrugDrugstores2%OnlineOnline shopping2%BillsPhone, internet and utilities2%OtherEverything elseWhy it's ranked here
- Ranked #2 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $6,702 after fees.
- Year 1. $2,351 = welcome bonus $200 + rewards $2,270 − fee $120.
- Each year after. $2,151 = rewards $2,270 − fee $120.
- Against #1. Beats TD First Class Travel Visa Infinite by $1,240 over 3 years, mostly on rewards on spending (+$2,052).
- Against #3. Beats Scotiabank Platinum American Express by $1,167 over 3 years, mostly on rewards on spending (+$1,080).
Verified Oct 16, 2026Every term and assumption - #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$2,311Year 2+$1,5113 years $5,534 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$2,311Year 2+$1,511Welcome or anniversary bonus$800 / $0Rewards on spending$1,910 / $1,910Fees (taken off the end)−$399 / −$399 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries2xDineDining and takeout2xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming2xDrugDrugstores2xOnlineOnline shopping2xBillsPhone, internet and utilities2xOtherEverything elseWhy it's ranked here
- Ranked #3 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $5,534 after fees.
- Year 1. $2,311 = welcome bonus $800 + rewards $1,910 − fee $399.
- Each year after. $1,511 = rewards $1,910 − fee $399.
- Against #2. Trails American Express SimplyCash Preferred by $1,167 over 3 years, mostly on rewards on spending (−$1,080).
- Against #4. Trails Scotiabank Gold American Express by $699 over 3 years, mostly on annual fees (−$837).
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 - #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$2,278Year 2+$1,9783 years $6,233 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$2,278Year 2+$1,978Welcome or anniversary bonus$300 / $0Rewards on spending$2,098 / $2,098Fees (taken off the end)−$120 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
5xGrocGroceries5xDineDining and takeout3xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals3xTransitTransit and rideshare3xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #4 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $6,233 after fees.
- Year 1. $2,278 = welcome bonus $300 + rewards $2,098 − fee $120.
- Each year after. $1,978 = rewards $2,098 − fee $120.
- Against #3. Beats Scotiabank Platinum American Express by $699 over 3 years, mostly on annual fees (+$837).
- Against #5. Beats Scotiabank Momentum Visa Infinite by $1,118 over 3 years, mostly on rewards on spending (+$1,238).
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 - #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$1,985Year 2+$1,5653 years $5,114 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,985Year 2+$1,565Welcome or anniversary bonus$300 / $0Rewards on spending$1,685 / $1,685Fees (taken off the end)-$0 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
4%GrocGroceries1%DineDining and takeout2%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals2%TransitTransit and rideshare4%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping4%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #5 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $5,114 after fees.
- Year 1. $1,985 = welcome bonus $300 + rewards $1,685.
- Each year after. $1,565 = rewards $1,685 − fee $120.
- Against #4. Trails Scotiabank Gold American Express by $1,118 over 3 years, mostly on rewards on spending (−$1,238).
- Against #6. Beats CIBC Dividend Visa Infinite by $35 over 3 years, mostly on welcome bonus (+$100).
Verified Oct 16, 2026Every term and assumption - #6
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$1,906Year 2+$1,5863 years $5,079 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,906Year 2+$1,586Welcome or anniversary bonus$200 / $0Rewards on spending$1,706 / $1,706Fees (taken off the end)-$0 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
4%GrocGroceries2%DineDining and takeout4%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals2%TransitTransit and rideshare2%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping2%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #6 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $5,079 after fees.
- Year 1. $1,906 = welcome bonus $200 + rewards $1,706.
- Each year after. $1,586 = rewards $1,706 − fee $120.
- Against #5. Trails Scotiabank Momentum Visa Infinite by $35 over 3 years, mostly on welcome bonus (−$100).
- Against #7. Beats TD Cash Back Visa Infinite by $442 over 3 years, mostly on rewards on spending (+$554).
Verified Oct 16, 2026Every term and assumption - #7
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$1,872Year 2+$1,3833 years $4,637 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,872Year 2+$1,383Welcome or anniversary bonus$350 / $0Rewards on spending$1,522 / $1,522Fees (taken off the end)-$0 / −$139 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
3%GrocGroceries1%DineDining and takeout3%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals3%TransitTransit and rideshare3%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping3%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #7 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $4,637 after fees.
- Year 1. $1,872 = welcome bonus $350 + rewards $1,522.
- Each year after. $1,383 = rewards $1,522 − fee $139.
- Against #6. Trails CIBC Dividend Visa Infinite by $442 over 3 years, mostly on rewards on spending (−$554).
- Against #8. Trails RBC Cash Back Preferred World Elite Mastercard by $84 over 3 years, mostly on rewards on spending (−$216).
Verified Oct 16, 2026Every term and assumption - #8
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$1,774Year 2+$1,4743 years $4,721 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,774Year 2+$1,474Welcome or anniversary bonus$300 / $0Rewards on spending$1,594 / $1,594Fees (taken off the end)−$120 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
3%GrocGroceries3%DineDining and takeout3%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals3%TransitTransit and rideshare3%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping1%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #8 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $4,721 after fees.
- Year 1. $1,774 = welcome bonus $300 + rewards $1,594 − fee $120.
- Each year after. $1,474 = rewards $1,594 − fee $120.
- Against #7. Beats TD Cash Back Visa Infinite by $84 over 3 years, mostly on rewards on spending (+$216).
- Against #9. Beats BMO eclipse Visa Infinite by $855 over 3 years, mostly on rewards on spending (+$1,414).
Verified Oct 16, 2026Every term and assumption - #9
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$1,761Year 2+$1,0523 years $3,866 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,761Year 2+$1,052Welcome or anniversary bonus$469 / $0Rewards on spending$1,122 / $1,122Credits$170 / $50Fees (taken off the end)-$0 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
5xGrocGroceries5xDineDining and takeout5xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals5xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #9 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $3,866 after fees.
- Year 1. $1,761 = welcome bonus $469 + rewards $1,122 + credits $170.
- Each year after. $1,052 = rewards $1,122 + credits $50 − fee $120.
- Against #8. Trails RBC Cash Back Preferred World Elite Mastercard by $855 over 3 years, mostly on rewards on spending (−$1,414).
- Against #10. Beats TD Aeroplan Visa Infinite Privilege by $612 over 3 years, mostly on annual fees (+$1,557).
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 - #10
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 $1,752, based on 1 cents per pointYear 2+estimated value, about $752, based on 1 cents per point3 years estimated value, about $3,255, based on 1 cents per point after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,752, based on 1 cents per pointYear 2+estimated value, about $752, based on 1 cents per pointWelcome or anniversary bonus$1,000 / $0Rewards on spending$1,338 / $1,338Credits$13 / $13Fees (taken off the end)−$599 / −$599 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries1.5xDineDining and takeout1.5xGasGas and EV charging2xAirFlights1.5xHotelHotels and car rentals1.5xTransitTransit and rideshare1.25xStreamStreaming1.25xDrugDrugstores1.25xOnlineOnline shopping1.25xBillsPhone, internet and utilities1.25xOtherEverything elseWhy it's ranked here
- Ranked #10 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth about $3,255 (estimated) after fees.
- Year 1. about $1,752 (estimated) = welcome bonus $1,000 + rewards $1,338 + credits $13 − fee $599.
- Each year after. about $752 (estimated) = rewards $1,338 + credits $13 − fee $599.
- Against #9. Trails BMO eclipse Visa Infinite by $612 over 3 years, mostly on annual fees (−$1,557).
- Against #11. Trails American Express Gold Rewards Card by $781 over 3 years, mostly on annual fees (−$1,047).
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 - #11
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$1,745Year 2+$1,1453 years $4,036 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,745Year 2+$1,145Welcome or anniversary bonus$600 / $0Rewards on spending$1,315 / $1,315Credits$80 / $80Fees (taken off the end)−$250 / −$250 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries1xDineDining and takeout2xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming2xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #11 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $4,036 after fees.
- Year 1. $1,745 = welcome bonus $600 + rewards $1,315 + credits $80 − fee $250.
- Each year after. $1,145 = rewards $1,315 + credits $80 − fee $250.
- Against #10. Beats TD Aeroplan Visa Infinite Privilege by $781 over 3 years, mostly on annual fees (+$1,047).
- Against #12. Beats CIBC Aventura Visa Infinite by $500 over 3 years, mostly on rewards on spending (+$792).
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
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$1,671Year 2+$9323 years $3,536 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,671Year 2+$932Welcome or anniversary bonus$600 / $0Rewards on spending$1,051 / $1,051Credits$20 / $20Fees (taken off the end)-$0 / −$139 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries1xDineDining and takeout1.5xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1.5xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #12 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $3,536 after fees.
- Year 1. $1,671 = welcome bonus $600 + rewards $1,051 + credits $20.
- Each year after. $932 = rewards $1,051 + credits $20 − fee $139.
- Against #11. Trails American Express Gold Rewards Card by $500 over 3 years, mostly on rewards on spending (−$792).
- Against #13. Beats TD Aeroplan Visa Infinite by $141 over 3 years, mostly on welcome bonus (+$100).
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
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 $1,558, based on 1 cents per pointYear 2+estimated value, about $919, based on 1 cents per point3 years estimated value, about $3,395, based on 1 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,558, based on 1 cents per pointYear 2+estimated value, about $919, based on 1 cents per pointWelcome or anniversary bonus$500 / $0Rewards on spending$1,045 / $1,045Credits$13 / $13Fees (taken off the end)-$0 / −$139 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries1xDineDining and takeout1.5xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #13 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth about $3,395 (estimated) after fees.
- Year 1. about $1,558 (estimated) = welcome bonus $500 + rewards $1,045 + credits $13.
- Each year after. about $919 (estimated) = rewards $1,045 + credits $13 − fee $139.
- Against #12. Trails CIBC Aventura Visa Infinite by $141 over 3 years, mostly on welcome bonus (−$100).
- Against #14. Trails Tangerine Rewards World Elite Mastercard by $97 over 3 years, mostly on rewards on spending (−$216).
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
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$1,497Year 2+$9973 years $3,492 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,497Year 2+$997Welcome or anniversary bonus$500 / $0Rewards on spending$1,117 / $1,117Fees (taken off the end)−$120 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries1.5xDineDining and takeout1.5xGasGas and EV charging1xAirFlights1.5xHotelHotels and car rentals1.5xTransitTransit and rideshare1xStreamStreaming1.5xDrugDrugstores1xOnlineOnline shopping1.5xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #14 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $3,492 after fees.
- Year 1. $1,497 = welcome bonus $500 + rewards $1,117 − fee $120.
- Each year after. $997 = rewards $1,117 − fee $120.
- Against #13. Beats TD Aeroplan Visa Infinite by $97 over 3 years, mostly on rewards on spending (+$216).
- Against #15. Trails Scotiabank American Express Card by $648 over 3 years, mostly on rewards on spending (−$688).
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 - #15
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$1,446Year 2+$1,3463 years $4,139 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,446Year 2+$1,346Welcome or anniversary bonus$100 / $0Rewards on spending$1,346 / $1,346Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
3xGrocGroceries2xDineDining and takeout2xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #15 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $4,139 after fees.
- Year 1. $1,446 = welcome bonus $100 + rewards $1,346.
- Each year after. $1,346 = rewards $1,346.
- Against #14. Beats Tangerine Rewards World Elite Mastercard by $648 over 3 years, mostly on rewards on spending (+$688).
- Against #16. Trails RBC WestJet World Elite Mastercard by $192 over 3 years, mostly on rewards on spending (−$709).
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 - #16
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 $1,444, based on 1 cents per pointYear 2+estimated value, about $1,444, based on 1 cents per point3 years estimated value, about $4,331, based on 1 cents per point after fees· pays for itself in month 2Bonus not counted
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,444, based on 1 cents per pointYear 2+estimated value, about $1,444, based on 1 cents per pointRewards on spending$1,583 / $1,583Fees (taken off the end)−$139 / −$139 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries1.5xDineDining and takeout2xGasGas and EV charging2xAirFlights1.5xHotelHotels and car rentals2xTransitTransit and rideshare1.5xStreamStreaming1.5xDrugDrugstores1.5xOnlineOnline shopping1.5xBillsPhone, internet and utilities1.5xOtherEverything elseWhy it's ranked here
- Ranked #16 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth about $4,331 (estimated) after fees.
- Year 1. about $1,444 (estimated) = rewards $1,583 − fee $139.
- Each year after. about $1,444 (estimated) = rewards $1,583 − fee $139.
- Against #15. Beats Scotiabank American Express Card by $192 over 3 years, mostly on rewards on spending (+$709).
- Against #17. Beats TD Platinum Travel Visa by $690 over 3 years, mostly on rewards on spending (+$1,179).
- 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 - #17
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$1,440Year 2+$1,1013 years $3,641 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,440Year 2+$1,101Welcome or anniversary bonus$250 / $0Rewards on spending$1,190 / $1,190Fees (taken off the end)-$0 / −$89 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
4.5xGrocGroceries4.5xDineDining and takeout1.5xGasGas and EV charging1.5xAirFlights1.5xHotelHotels and car rentals4.5xTransitTransit and rideshare3xStreamStreaming1.5xDrugDrugstores1.5xOnlineOnline shopping3xBillsPhone, internet and utilities1.5xOtherEverything elseWhy it's ranked here
- Ranked #17 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $3,641 after fees.
- Year 1. $1,440 = welcome bonus $250 + rewards $1,190.
- Each year after. $1,101 = rewards $1,190 − fee $89.
- Against #16. Trails RBC WestJet World Elite Mastercard by $690 over 3 years, mostly on rewards on spending (−$1,179).
- Against #18. Trails American Express Cobalt Card by $372 over 3 years, mostly on rewards on spending (−$815).
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 - #18
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$1,438Year 2+$1,2883 years $4,013 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,438Year 2+$1,288Welcome or anniversary bonus$150 / $0Rewards on spending$1,462 / $1,462Credits$18 / $18Fees (taken off the end)−$192 / −$192 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries5xDineDining and takeout2xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals2xTransitTransit and rideshare3xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #18 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $4,013 after fees.
- Year 1. $1,438 = welcome bonus $150 + rewards $1,462 + credits $18 − fee $192.
- Each year after. $1,288 = rewards $1,462 + credits $18 − fee $192.
- Against #17. Beats TD Platinum Travel Visa by $372 over 3 years, mostly on rewards on spending (+$815).
- Against #19. Trails Rogers Bank Red World Elite Mastercard by $285 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 - #19
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$1,433Year 2+$1,4333 years $4,298 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,433Year 2+$1,433Rewards on spending$1,433 / $1,433Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.5%GrocGroceries1.5%DineDining and takeout1.5%GasGas and EV charging1.5%AirFlights1.5%HotelHotels and car rentals1.5%TransitTransit and rideshare1.5%StreamStreaming1.5%DrugDrugstores1.5%OnlineOnline shopping1.5%BillsPhone, internet and utilities1.5%OtherEverything elseWhy it's ranked here
- Ranked #19 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $4,298 after fees.
- Year 1. $1,433 = rewards $1,433.
- Each year after. $1,433 = rewards $1,433.
- Against #18. Beats American Express Cobalt Card by $285 over 3 years, mostly on annual fees (+$576).
- Against #20. Beats Scotiabank Passport Visa Infinite by $589 over 3 years, mostly on annual fees (+$450).
Verified Oct 16, 2026Every term and assumption - #20
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$1,403Year 2+$1,1533 years $3,710 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,403Year 2+$1,153Welcome or anniversary bonus$250 / $0Rewards on spending$1,303 / $1,303Fees (taken off the end)−$150 / −$150 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
3xGrocGroceries2xDineDining and takeout1xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals2xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #20 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $3,710 after fees.
- Year 1. $1,403 = welcome bonus $250 + rewards $1,303 − fee $150.
- Each year after. $1,153 = rewards $1,303 − fee $150.
- Against #19. Trails Rogers Bank Red World Elite Mastercard by $589 over 3 years, mostly on annual fees (−$450).
- Against #21. Trails PC Financial PC World Elite Mastercard by $196 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 - #21
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$1,335Year 2+$1,2853 years $3,906 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,335Year 2+$1,285Welcome or anniversary bonus$50 / $0Rewards on spending$1,285 / $1,285Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
30xGrocGroceries10xDineDining and takeout10xGasGas and EV charging10xAirFlights10xHotelHotels and car rentals10xTransitTransit and rideshare10xStreamStreaming45xDrugDrugstores10xOnlineOnline shopping10xBillsPhone, internet and utilities10xOtherEverything elseWhy it's ranked here
- Ranked #21 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $3,906 after fees.
- Year 1. $1,335 = welcome bonus $50 + rewards $1,285.
- Each year after. $1,285 = rewards $1,285.
- Against #20. Beats Scotiabank Passport Visa Infinite by $196 over 3 years, mostly on annual fees (+$450).
- Against #22. Trails Desjardins Cash Back World Elite Mastercard by $64 over 3 years, mostly on rewards on spending (−$414).
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 - #22
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$1,323Year 2+$1,3233 years $3,970 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,323Year 2+$1,323Rewards on spending$1,423 / $1,423Fees (taken off the end)−$100 / −$100 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
4%GrocGroceries3%DineDining and takeout1%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals3%TransitTransit and rideshare1%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping1%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #22 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $3,970 after fees.
- Year 1. $1,323 = rewards $1,423 − fee $100.
- Each year after. $1,323 = rewards $1,423 − fee $100.
- Against #21. Beats PC Financial PC World Elite Mastercard by $64 over 3 years, mostly on rewards on spending (+$414).
- Against #23. Beats American Express Platinum Card by $1,193 over 3 years, mostly on annual fees (+$2,097).
Verified Oct 16, 2026Every term and assumption - #23
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$1,292Year 2+$5923 years $2,777 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$1,292Year 2+$592Welcome or anniversary bonus$700 / $0Rewards on spending$1,231 / $1,231Credits$160 / $160Fees (taken off the end)−$799 / −$799 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries2xDineDining and takeout1xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #23 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $2,777 after fees.
- Year 1. $1,292 = welcome bonus $700 + rewards $1,231 + credits $160 − fee $799.
- Each year after. $592 = rewards $1,231 + credits $160 − fee $799.
- Against #22. Trails Desjardins Cash Back World Elite Mastercard by $1,193 over 3 years, mostly on annual fees (−$2,097).
- Against #24. Trails Scotiabank Momentum Visa by $692 over 3 years, mostly on annual fees (−$2,250).
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 - #24
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$1,156Year 2+$1,1563 years $3,469 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,156Year 2+$1,156Rewards on spending$1,205 / $1,205Fees (taken off the end)−$49 / −$49 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2%GrocGroceries1%DineDining and takeout2%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals2%TransitTransit and rideshare2%StreamStreaming2%DrugDrugstores1%OnlineOnline shopping2%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #24 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $3,469 after fees.
- Year 1. $1,156 = rewards $1,205 − fee $49.
- Each year after. $1,156 = rewards $1,205 − fee $49.
- Against #23. Beats American Express Platinum Card by $692 over 3 years, mostly on annual fees (+$2,250).
- Against #25. Beats Scotiabank Scene+ Visa by $337 over 3 years, mostly on rewards on spending (+$534).
Verified Oct 16, 2026Every term and assumption - #25
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$1,077Year 2+$1,0273 years $3,132 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,077Year 2+$1,027Welcome or anniversary bonus$50 / $0Rewards on spending$1,027 / $1,027Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2xGrocGroceries1xDineDining and takeout1xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #25 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $3,132 after fees.
- Year 1. $1,077 = welcome bonus $50 + rewards $1,027.
- Each year after. $1,027 = rewards $1,027.
- Against #24. Trails Scotiabank Momentum Visa by $337 over 3 years, mostly on rewards on spending (−$534).
- Against #26. Beats RBC ION+ Visa by $340 over 3 years, mostly on rewards on spending (+$309).
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 - #26
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$998Year 2+$8763 years $2,791 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$998Year 2+$876Welcome or anniversary bonus$122 / $0Rewards on spending$924 / $924Fees (taken off the end)−$48 / −$48 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
3xGrocGroceries3xDineDining and takeout3xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals3xTransitTransit and rideshare3xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #26 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $2,791 after fees.
- Year 1. $998 = welcome bonus $122 + rewards $924 − fee $48.
- Each year after. $876 = rewards $924 − fee $48.
- Against #25. Trails Scotiabank Scene+ Visa by $340 over 3 years, mostly on rewards on spending (−$309).
- Against #27. Beats Tangerine Money-Back Credit Card by $124 over 3 years, mostly on rewards on spending (+$206).
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 - #27
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$956Year 2+$8563 years $2,667 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$956Year 2+$856Welcome or anniversary bonus$100 / $0Rewards on spending$856 / $856Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2%GrocGroceries2%DineDining and takeout2%GasGas and EV charging0.5%AirFlights2%HotelHotels and car rentals2%TransitTransit and rideshare0.5%StreamStreaming2%DrugDrugstores0.5%OnlineOnline shopping2%BillsPhone, internet and utilities0.5%OtherEverything elseWhy it's ranked here
- Ranked #27 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $2,667 after fees.
- Year 1. $956 = welcome bonus $100 + rewards $856.
- Each year after. $856 = rewards $856.
- Against #26. Trails RBC ION+ Visa by $124 over 3 years, mostly on rewards on spending (−$206).
- Against #28. Beats Simplii Financial Cash Back Visa by $159 over 3 years, mostly on rewards on spending (+$159).
Verified Oct 16, 2026Every term and assumption - #28
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$903Year 2+$8033 years $2,508 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$903Year 2+$803Welcome or anniversary bonus$100 / $0Rewards on spending$803 / $803Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.5%GrocGroceries4%DineDining and takeout1.5%GasGas and EV charging0.5%AirFlights0.5%HotelHotels and car rentals0.5%TransitTransit and rideshare0.5%StreamStreaming1.5%DrugDrugstores0.5%OnlineOnline shopping1.5%BillsPhone, internet and utilities0.5%OtherEverything elseWhy it's ranked here
- Ranked #28 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $2,508 after fees.
- Year 1. $903 = welcome bonus $100 + rewards $803.
- Each year after. $803 = rewards $803.
- Against #27. Trails Tangerine Money-Back Credit Card by $159 over 3 years, mostly on rewards on spending (−$159).
- Against #29. Beats TD Aeroplan Visa Platinum by $395 over 3 years, mostly on rewards on spending (+$317).
Verified Oct 16, 2026Every term and assumption - #29
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 $897, based on 1 cents per pointYear 2+estimated value, about $608, based on 1 cents per point3 years estimated value, about $2,113, based on 1 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $897, based on 1 cents per pointYear 2+estimated value, about $608, based on 1 cents per pointWelcome or anniversary bonus$200 / $0Rewards on spending$697 / $697Fees (taken off the end)-$0 / −$89 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries0.667xDineDining and takeout1xGasGas and EV charging0.667xAirFlights0.667xHotelHotels and car rentals0.667xTransitTransit and rideshare0.667xStreamStreaming0.667xDrugDrugstores0.667xOnlineOnline shopping0.667xBillsPhone, internet and utilities0.667xOtherEverything elseWhy it's ranked here
- Ranked #29 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth about $2,113 (estimated) after fees.
- Year 1. about $897 (estimated) = welcome bonus $200 + rewards $697.
- Each year after. about $608 (estimated) = rewards $697 − fee $89.
- Against #28. Trails Simplii Financial Cash Back Visa by $395 over 3 years, mostly on rewards on spending (−$317).
- Against #30. Trails Brim Financial World Elite Mastercard by $485 over 3 years, mostly on rewards on spending (−$774).
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 - #30
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$866Year 2+$8663 years $2,599 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$866Year 2+$866Rewards on spending$955 / $955Fees (taken off the end)−$89 / −$89 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1%GrocGroceries1%DineDining and takeout1%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals1%TransitTransit and rideshare1%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping1%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #30 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $2,599 after fees.
- Year 1. $866 = rewards $955 − fee $89.
- Each year after. $866 = rewards $955 − fee $89.
- Against #29. Beats TD Aeroplan Visa Platinum by $485 over 3 years, mostly on rewards on spending (+$774).
- Against #31. Beats RBC Cash Back Mastercard by $328 over 3 years, mostly on rewards on spending (+$695).
Verified Oct 16, 2026Every term and assumption - #31
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$824Year 2+$7243 years $2,271 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$824Year 2+$724Welcome or anniversary bonus$100 / $0Rewards on spending$724 / $724Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2%GrocGroceries0.5%DineDining and takeout1%GasGas and EV charging0.5%AirFlights0.5%HotelHotels and car rentals1%TransitTransit and rideshare0.5%StreamStreaming0.5%DrugDrugstores0.5%OnlineOnline shopping0.5%BillsPhone, internet and utilities0.5%OtherEverything elseWhy it's ranked here
- Ranked #31 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $2,271 after fees.
- Year 1. $824 = welcome bonus $100 + rewards $724.
- Each year after. $724 = rewards $724.
- Against #30. Trails Brim Financial World Elite Mastercard by $328 over 3 years, mostly on rewards on spending (−$695).
- Against #32. Beats RBC Avion Visa Infinite by $490 over 3 years, mostly on rewards on spending (+$436).
Verified Oct 16, 2026Every term and assumption - #32
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$777Year 2+$4583 years $1,781 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$777Year 2+$458Welcome or anniversary bonus$319 / $0Rewards on spending$578 / $578Fees (taken off the end)−$120 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries1xDineDining and takeout1xGasGas and EV charging1.25xAirFlights1.25xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #32 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $1,781 after fees.
- Year 1. $777 = welcome bonus $319 + rewards $578 − fee $120.
- Each year after. $458 = rewards $578 − fee $120.
- Against #31. Trails RBC Cash Back Mastercard by $490 over 3 years, mostly on rewards on spending (−$436).
- Against #33. Trails National Bank World Elite Mastercard by $524 over 3 years, mostly on rewards on spending (−$750).
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
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$768Year 2+$7683 years $2,305 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$768Year 2+$768Rewards on spending$828 / $828Credits$90 / $90Fees (taken off the end)−$150 / −$150 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
5xGrocGroceries5xDineDining and takeout2xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping2xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #33 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $2,305 after fees.
- Year 1. $768 = rewards $828 + credits $90 − fee $150.
- Each year after. $768 = rewards $828 + credits $90 − fee $150.
- Against #32. Beats RBC Avion Visa Infinite by $524 over 3 years, mostly on rewards on spending (+$750).
- Against #34. Beats RBC Avion Visa Platinum by $597 over 3 years, mostly on rewards on spending (+$823).
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 - #34
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$753Year 2+$4343 years $1,708 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$753Year 2+$434Welcome or anniversary bonus$319 / $0Rewards on spending$554 / $554Fees (taken off the end)−$120 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries1xDineDining and takeout1xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #34 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $1,708 after fees.
- Year 1. $753 = welcome bonus $319 + rewards $554 − fee $120.
- Each year after. $434 = rewards $554 − fee $120.
- Against #33. Trails National Bank World Elite Mastercard by $597 over 3 years, mostly on rewards on spending (−$823).
- Against #35. Trails TD Rewards Visa by $248 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
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$702Year 2+$6273 years $1,956 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$702Year 2+$627Welcome or anniversary bonus$76 / $0Rewards on spending$627 / $627Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
3xGrocGroceries3xDineDining and takeout1xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals3xTransitTransit and rideshare2xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping2xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #35 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $1,956 after fees.
- Year 1. $702 = welcome bonus $76 + rewards $627.
- Each year after. $627 = rewards $627.
- Against #34. Beats RBC Avion Visa Platinum by $248 over 3 years, mostly on annual fees (+$360).
- Against #36. Beats RBC ION Visa by $29 over 3 years, mostly on rewards on spending (+$34).
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 - #36
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$696Year 2+$6153 years $1,927 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$696Year 2+$615Welcome or anniversary bonus$81 / $0Rewards on spending$615 / $615Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries1xDineDining and takeout1.5xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals1.5xTransitTransit and rideshare1.5xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #36 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $1,927 after fees.
- Year 1. $696 = welcome bonus $81 + rewards $615.
- Each year after. $615 = rewards $615.
- Against #35. Trails TD Rewards Visa by $29 over 3 years, mostly on rewards on spending (−$34).
- Against #37. Beats Scotiabank Momentum No-Fee Visa by $169 over 3 years, mostly on rewards on spending (+$188).
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
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$653Year 2+$5533 years $1,758 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$653Year 2+$553Welcome or anniversary bonus$100 / $0Rewards on spending$553 / $553Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1%GrocGroceries0.5%DineDining and takeout1%GasGas and EV charging0.5%AirFlights0.5%HotelHotels and car rentals1%TransitTransit and rideshare1%StreamStreaming1%DrugDrugstores0.5%OnlineOnline shopping1%BillsPhone, internet and utilities0.5%OtherEverything elseWhy it's ranked here
- Ranked #37 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $1,758 after fees.
- Year 1. $653 = welcome bonus $100 + rewards $553.
- Each year after. $553 = rewards $553.
- Against #36. Trails RBC ION Visa by $169 over 3 years, mostly on rewards on spending (−$188).
- Against #38. Beats RBC Avion Visa Infinite Privilege by $297 over 3 years, mostly on annual fees (+$1,197).
Verified Oct 16, 2026Every term and assumption - #38
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$613Year 2+$2943 years $1,461 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$613Year 2+$294Welcome or anniversary bonus$319 / $0Rewards on spending$693 / $693Fees (taken off the end)−$399 / −$399 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.25xGrocGroceries1.25xDineDining and takeout1.25xGasGas and EV charging1.25xAirFlights1.25xHotelHotels and car rentals1.25xTransitTransit and rideshare1.25xStreamStreaming1.25xDrugDrugstores1.25xOnlineOnline shopping1.25xBillsPhone, internet and utilities1.25xOtherEverything elseWhy it's ranked here
- Ranked #38 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $1,461 after fees.
- Year 1. $613 = welcome bonus $319 + rewards $693 − fee $399.
- Each year after. $294 = rewards $693 − fee $399.
- Against #37. Trails Scotiabank Momentum No-Fee Visa by $297 over 3 years, mostly on annual fees (−$1,197).
- Against #39. Trails TD Cash Back Visa by $212 over 3 years, mostly on annual fees (−$1,197).
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 - #39
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$558Year 2+$5583 years $1,673 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$558Year 2+$558Rewards on spending$558 / $558Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1%GrocGroceries0.5%DineDining and takeout1%GasGas and EV charging0.5%AirFlights0.5%HotelHotels and car rentals1%TransitTransit and rideshare1%StreamStreaming0.5%DrugDrugstores0.5%OnlineOnline shopping1%BillsPhone, internet and utilities0.5%OtherEverything elseWhy it's ranked here
- Ranked #39 of 40. By Year 1 value on the big spender preset's spending. Over 3 years it's worth $1,673 after fees.
- Year 1. $558 = rewards $558.
- Each year after. $558 = rewards $558.
- Against #38. Beats RBC Avion Visa Infinite Privilege by $212 over 3 years, mostly on annual fees (+$1,197).
- Against #40. Beats TD Low Rate Visa by $1,723 over 3 years, mostly on rewards on spending (+$1,673).
Verified Oct 16, 2026Every term and assumption - #40
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$0Year 2+−$253 years −$50 after fees· never covers its fee
Breakdown, earn rates and why it's ranked here
Year 1$0Year 2+−$25Fees (taken off the end)-$0 / −$25 Doesn't cover its fees within 3 years Year 1Year 2Year 3Earn rate by category
0%GrocGroceries0%DineDining and takeout0%GasGas and EV charging0%AirFlights0%HotelHotels and car rentals0%TransitTransit and rideshare0%StreamStreaming0%DrugDrugstores0%OnlineOnline shopping0%BillsPhone, internet and utilities0%OtherEverything elseWhy it's ranked here
- Ranked #40 of 40. By Year 1 value on the big spender 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 $1,723 over 3 years, mostly on rewards on spending (−$1,673).
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
Big spender preset, $7,960 a month, after fees. "~" marks estimates.
| Card | Year 1 | Year 2+ | 3 years |
|---|---|---|---|
| TD First Class Travel Visa Infinite | $2,446 | $1,507 | $5,461 |
| American Express SimplyCash Preferred | $2,351 | $2,151 | $6,702 |
| Scotiabank Platinum American Express | $2,311 | $1,511 | $5,534 |
| Scotiabank Gold American Express | $2,278 | $1,978 | $6,233 |
| Scotiabank Momentum Visa Infinite | $1,985 | $1,565 | $5,114 |
| CIBC Dividend Visa Infinite | $1,906 | $1,586 | $5,079 |
| TD Cash Back Visa Infinite | $1,872 | $1,383 | $4,637 |
| RBC Cash Back Preferred World Elite Mastercard | $1,774 | $1,474 | $4,721 |
| BMO eclipse Visa Infinite | $1,761 | $1,052 | $3,866 |
| TD Aeroplan Visa Infinite Privilege | ~$1,752 | ~$752 | ~$3,255 |
Frequently asked questions
What are the best credit cards for first-year value?
On big spender spending ($7,960 a month), TD First Class Travel Visa Infinite ranks first: $2,446 in year 1 and $1,507 a year after fees. From year 2, American Express SimplyCash Preferred keeps the most: $2,151 a year.
How were these cards picked?
Ranked by year 1 value on a big spender's spending, with what each card is worth after that. 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. Spending more in a card's bonus categories moves it up. Set your own numbers in the tool to see your order.
Sources
- Amex Cobalt card page
- Milesopedia points valuations, in effect since September 1, 2026
- Prince of Travel points valuations (cross-check, high end of range)
- CIBC Aventura Visa Infinite card page
- RBC Avion Visa Infinite card page
- PC World Elite Mastercard page
- WestJet RBC World Elite Mastercard page (70,000 points = up to $700 off travel)
- National Bank World Elite Mastercard page (redemption examples)
Estimates for information only; not financial advice. See how cards are ranked.