Best credit cards in Quebec in Canada for 2026

Verified Oct 16, 2026CAD

Ranked by 3-year value on a family's spending for a Quebec resident: welcome offers not open to Quebec are left out, Quebec's own offers are used, and cards not available in Quebec are set aside. 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: Family · $3,350/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$1,240
Year 2+$940
3 years $3,119 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$1,240
Year 2+$940
Welcome or anniversary bonus$300 / $0Rewards on spending$1,060 / $1,060Fees (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 3-year value on the family preset's spending. Over 3 years it's worth $3,119 after fees.
Year 1. $1,240 = welcome bonus $300 + rewards $1,060 − fee $120.
Each year after. $940 = rewards $1,060 − fee $120.
Against #2. Beats American Express SimplyCash Preferred by $60 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
#2
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$1,136
Year 2+$936
3 years $3,058 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$1,136
Year 2+$936
Welcome or anniversary bonus$200 / $0Rewards on spending$1,056 / $1,056Fees (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 #2 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $3,058 after fees.
Year 1. $1,136 = welcome bonus $200 + rewards $1,056 − fee $120.
Each year after. $936 = rewards $1,056 − fee $120.
Against #1. Trails Scotiabank Gold American Express by $60 over 3 years, mostly on welcome bonus (−$100).
Against #3. Beats TD First Class Travel Visa Infinite by $92 over 3 years, mostly on rewards on spending (+$904).
Verified Oct 16, 2026Every term and assumption
#3
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$1,615
Year 2+$676
3 years $2,966 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$1,615
Year 2+$676
Welcome or anniversary bonus$800 / $0Rewards on spending$755 / $755Credits$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 #3 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $2,966 after fees.
Year 1. $1,615 = welcome bonus $800 + rewards $755 + credits $60.
Each year after. $676 = rewards $755 + credits $60 − fee $139.
Against #2. Trails American Express SimplyCash Preferred by $92 over 3 years, mostly on rewards on spending (−$904).
Against #4. Beats Scotiabank Momentum Visa Infinite by $253 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
#4
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$1,184
Year 2+$764
3 years $2,713 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$1,184
Year 2+$764
Welcome or anniversary bonus$300 / $0Rewards on spending$884 / $884Fees (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 #4 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $2,713 after fees.
Year 1. $1,184 = welcome bonus $300 + rewards $884.
Each year after. $764 = rewards $884 − fee $120.
Against #3. Trails TD First Class Travel Visa Infinite by $253 over 3 years, mostly on welcome bonus (−$500).
Against #5. Beats CIBC Dividend Visa Infinite by $93 over 3 years, mostly on welcome bonus (+$100).
Verified Oct 16, 2026Every term and assumption
#5
CIBC
Dividend Visa Infinite
$120 fee · yr 1 freeGroceries 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$1,087
Year 2+$767
3 years $2,620 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$1,087
Year 2+$767
Welcome or anniversary bonus$200 / $0Rewards on spending$887 / $887Fees (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 #5 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $2,620 after fees.
Year 1. $1,087 = welcome bonus $200 + rewards $887.
Each year after. $767 = rewards $887 − fee $120.
Against #4. Trails Scotiabank Momentum Visa Infinite by $93 over 3 years, mostly on welcome bonus (−$100).
Against #6. Beats BMO eclipse Visa Infinite by $156 over 3 years, mostly on rewards on spending (+$695).
Verified Oct 16, 2026Every term and assumption
#6
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$1,294
Year 2+$585
3 years $2,465 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$1,294
Year 2+$585
Welcome or anniversary bonus$469 / $0Rewards on spending$655 / $655Credits$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 #6 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $2,465 after fees.
Year 1. $1,294 = welcome bonus $469 + rewards $655 + credits $170.
Each year after. $585 = rewards $655 + credits $50 − fee $120.
Against #5. Trails CIBC Dividend Visa Infinite by $156 over 3 years, mostly on rewards on spending (−$695).
Against #7. Beats TD Cash Back Visa Infinite by $78 over 3 years, mostly on rewards on spending (−$349).
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
#7
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$1,122
Year 2+$633
3 years $2,387 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$1,122
Year 2+$633
Welcome or anniversary bonus$350 / $0Rewards on spending$772 / $772Fees (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 #7 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $2,387 after fees.
Year 1. $1,122 = welcome bonus $350 + rewards $772.
Each year after. $633 = rewards $772 − fee $139.
Against #6. Trails BMO eclipse Visa Infinite by $78 over 3 years, mostly on rewards on spending (+$349).
Against #8. Beats RBC Cash Back Preferred World Elite Mastercard by $132 over 3 years, mostly on annual fees (+$82).
Verified Oct 16, 2026Every term and assumption
#8
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$952
Year 2+$652
3 years $2,255 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$952
Year 2+$652
Welcome or anniversary bonus$300 / $0Rewards on spending$772 / $772Fees (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 #8 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $2,255 after fees.
Year 1. $952 = welcome bonus $300 + rewards $772 − fee $120.
Each year after. $652 = rewards $772 − fee $120.
Against #7. Trails TD Cash Back Visa Infinite by $132 over 3 years, mostly on annual fees (−$82).
Against #9. Beats Scotiabank Platinum American Express by $40 over 3 years, mostly on annual fees (+$837).
Verified Oct 16, 2026Every term and assumption
#9
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$1,205
Year 2+$405
3 years $2,215 after fees· pays for itself in month 2
Apply
Breakdown, earn rates and why it's ranked here
Year 1$1,205
Year 2+$405
Welcome or anniversary bonus$800 / $0Rewards on spending$804 / $804Fees (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 #9 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $2,215 after fees.
Year 1. $1,205 = welcome bonus $800 + rewards $804 − fee $399.
Each year after. $405 = rewards $804 − fee $399.
Against #8. Trails RBC Cash Back Preferred World Elite Mastercard by $40 over 3 years, mostly on annual fees (−$837).
Against #10. Beats Desjardins Cash Back World Elite Mastercard by $121 over 3 years, mostly on annual fees (−$897).
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
#10
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$698
Year 2+$698
3 years $2,094 after fees· pays for itself in month 2
Apply
Breakdown, earn rates and why it's ranked here
Year 1$698
Year 2+$698
Rewards on spending$798 / $798Fees (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 #10 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $2,094 after fees.
Year 1. $698 = rewards $798 − fee $100.
Each year after. $698 = rewards $798 − fee $100.
Against #9. Trails Scotiabank Platinum American Express by $121 over 3 years, mostly on annual fees (+$897).
Against #11. Beats Scotiabank American Express Card by $90 over 3 years, mostly on rewards on spending (+$490).
Verified Oct 16, 2026Every term and assumption
#11
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$735
Year 2+$635
3 years $2,004 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$735
Year 2+$635
Welcome or anniversary bonus$100 / $0Rewards on spending$635 / $635Fees (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 #11 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $2,004 after fees.
Year 1. $735 = welcome bonus $100 + rewards $635.
Each year after. $635 = rewards $635.
Against #10. Trails Desjardins Cash Back World Elite Mastercard by $90 over 3 years, mostly on rewards on spending (−$490).
Against #12. Beats PC Financial PC World Elite Mastercard by $97 over 3 years, mostly on welcome bonus (+$50).
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
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$669
Year 2+$619
3 years $1,908 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$669
Year 2+$619
Welcome or anniversary bonus$50 / $0Rewards on spending$619 / $619Fees (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 #12 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,908 after fees.
Year 1. $669 = welcome bonus $50 + rewards $619.
Each year after. $619 = rewards $619.
Against #11. Trails Scotiabank American Express Card by $97 over 3 years, mostly on welcome bonus (−$50).
Against #13. Beats Rogers Bank Red World Elite Mastercard by $99 over 3 years, mostly on welcome bonus (+$50).
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
#13
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$603
Year 2+$603
3 years $1,809 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$603
Year 2+$603
Rewards on spending$603 / $603Fees (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 #13 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,809 after fees.
Year 1. $603 = rewards $603.
Each year after. $603 = rewards $603.
Against #12. Trails PC Financial PC World Elite Mastercard by $99 over 3 years, mostly on welcome bonus (−$50).
Against #14. Beats CIBC Aventura Visa Infinite by $21 over 3 years, mostly on welcome bonus (−$600).
Verified Oct 16, 2026Every term and assumption
#14
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$1,089
Year 2+$350
3 years $1,788 after fees· pays for itself in month 1Mostly first-year value
Apply
Breakdown, earn rates and why it's ranked here
Year 1$1,089
Year 2+$350
Welcome or anniversary bonus$600 / $0Rewards on spending$469 / $469Credits$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 #14 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,788 after fees.
Year 1. $1,089 = welcome bonus $600 + rewards $469 + credits $20.
Each year after. $350 = rewards $469 + credits $20 − fee $139.
Against #13. Trails Rogers Bank Red World Elite Mastercard by $21 over 3 years, mostly on welcome bonus (+$600).
Against #15. Beats American Express Gold Rewards Card by $2 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
#15
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$995
Year 2+$395
3 years $1,786 after fees· pays for itself in month 2
Apply
Breakdown, earn rates and why it's ranked here
Year 1$995
Year 2+$395
Welcome or anniversary bonus$600 / $0Rewards on spending$565 / $565Credits$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 #15 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,786 after fees.
Year 1. $995 = welcome bonus $600 + rewards $565 + credits $80 − fee $250.
Each year after. $395 = rewards $565 + credits $80 − fee $250.
Against #14. Trails CIBC Aventura Visa Infinite by $2 over 3 years, mostly on annual fees (−$472).
Against #16. Beats TD Platinum Travel Visa by $15 over 3 years, mostly on annual fees (−$572).
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
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$816
Year 2+$477
3 years $1,770 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$816
Year 2+$477
Welcome or anniversary bonus$250 / $0Rewards on spending$566 / $566Fees (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 #16 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,770 after fees.
Year 1. $816 = welcome bonus $250 + rewards $566.
Each year after. $477 = rewards $566 − fee $89.
Against #15. Trails American Express Gold Rewards Card by $15 over 3 years, mostly on annual fees (+$572).
Against #17. Beats Simplii Financial Cash Back Visa by $113 over 3 years, mostly on annual fees (−$178).
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
#17
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$619
Year 2+$519
3 years $1,657 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$619
Year 2+$519
Welcome or anniversary bonus$100 / $0Rewards on spending$519 / $519Fees (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 #17 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,657 after fees.
Year 1. $619 = welcome bonus $100 + rewards $519.
Each year after. $519 = rewards $519.
Against #16. Trails TD Platinum Travel Visa by $113 over 3 years, mostly on annual fees (+$178).
Against #18. Beats TD Aeroplan Visa Infinite by $3 over 3 years, mostly on welcome bonus (−$400).
Verified Oct 16, 2026Every term and assumption
#18
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 $978, based on 1 cents per point
Year 2+estimated value, about $339, based on 1 cents per point
3 years estimated value, about $1,655, 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 $978, based on 1 cents per point
Year 2+estimated value, about $339, based on 1 cents per point
Welcome or anniversary bonus$500 / $0Rewards on spending$465 / $465Credits$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 #18 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth about $1,655 (estimated) after fees.
Year 1. about $978 (estimated) = welcome bonus $500 + rewards $465 + credits $13.
Each year after. about $339 (estimated) = rewards $465 + credits $13 − fee $139.
Against #17. Trails Simplii Financial Cash Back Visa by $3 over 3 years, mostly on welcome bonus (+$400).
Against #19. Beats Scotiabank Momentum Visa by $20 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
#19
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$545
Year 2+$545
3 years $1,635 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$545
Year 2+$545
Rewards on spending$594 / $594Fees (taken off the end)−$49 / −$49
Pays for itself in month 1 · 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 #19 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,635 after fees.
Year 1. $545 = rewards $594 − fee $49.
Each year after. $545 = rewards $594 − fee $49.
Against #18. Trails TD Aeroplan Visa Infinite by $20 over 3 years, mostly on welcome bonus (−$500).
Against #20. Beats Tangerine Rewards World Elite Mastercard by $1 over 3 years, mostly on welcome bonus (−$500).
Verified Oct 16, 2026Every term and assumption
#20
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$878
Year 2+$378
3 years $1,634 after fees· pays for itself in month 2
Apply
Breakdown, earn rates and why it's ranked here
Year 1$878
Year 2+$378
Welcome or anniversary bonus$500 / $0Rewards on spending$498 / $498Fees (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 #20 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,634 after fees.
Year 1. $878 = welcome bonus $500 + rewards $498 − fee $120.
Each year after. $378 = rewards $498 − fee $120.
Against #19. Trails Scotiabank Momentum Visa by $1 over 3 years, mostly on welcome bonus (+$500).
Against #21. Beats RBC WestJet World Elite Mastercard by $17 over 3 years, mostly on rewards on spending (−$540).
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
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 $539, based on 1 cents per point
Year 2+estimated value, about $539, based on 1 cents per point
3 years estimated value, about $1,617, based on 1 cents per point after fees· pays for itself in month 3Bonus not counted
Apply
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $539, based on 1 cents per point
Year 2+estimated value, about $539, based on 1 cents per point
Rewards on spending$678 / $678Fees (taken off the end)−$139 / −$139
Pays for itself in month 3 · 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 #21 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth about $1,617 (estimated) after fees.
Year 1. about $539 (estimated) = rewards $678 − fee $139.
Each year after. about $539 (estimated) = rewards $678 − fee $139.
Against #20. Trails Tangerine Rewards World Elite Mastercard by $17 over 3 years, mostly on rewards on spending (+$540).
Against #22. Beats Scotiabank Passport Visa Infinite by $17 over 3 years, mostly on welcome bonus (−$250).
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
#22
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$700
Year 2+$450
3 years $1,600 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$700
Year 2+$450
Welcome or anniversary bonus$250 / $0Rewards on spending$600 / $600Fees (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 #22 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,600 after fees.
Year 1. $700 = welcome bonus $250 + rewards $600 − fee $150.
Each year after. $450 = rewards $600 − fee $150.
Against #21. Trails RBC WestJet World Elite Mastercard by $17 over 3 years, mostly on welcome bonus (+$250).
Against #23. Beats American Express Cobalt Card by $53 over 3 years, mostly on annual fees (+$126).
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
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$616
Year 2+$466
3 years $1,547 after fees· pays for itself in month 2
Apply
Breakdown, earn rates and why it's ranked here
Year 1$616
Year 2+$466
Welcome or anniversary bonus$150 / $0Rewards on spending$640 / $640Credits$18 / $18Fees (taken off the end)−$192 / −$192
Pays for itself in month 2 · 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 #23 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,547 after fees.
Year 1. $616 = welcome bonus $150 + rewards $640 + credits $18 − fee $192.
Each year after. $466 = rewards $640 + credits $18 − fee $192.
Against #22. Trails Scotiabank Passport Visa Infinite by $53 over 3 years, mostly on annual fees (−$126).
Against #24. Beats Scotiabank Scene+ Visa by $147 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
#24
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$500
Year 2+$450
3 years $1,400 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$500
Year 2+$450
Welcome or anniversary bonus$50 / $0Rewards on spending$450 / $450Fees (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 #24 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,400 after fees.
Year 1. $500 = welcome bonus $50 + rewards $450.
Each year after. $450 = rewards $450.
Against #23. Trails American Express Cobalt Card by $147 over 3 years, mostly on annual fees (+$576).
Against #25. Beats RBC ION+ Visa by $39 over 3 years, mostly on annual fees (+$144).
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
#25
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$521
Year 2+$400
3 years $1,361 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$521
Year 2+$400
Welcome or anniversary bonus$122 / $0Rewards on spending$448 / $448Fees (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 #25 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,361 after fees.
Year 1. $521 = welcome bonus $122 + rewards $448 − fee $48.
Each year after. $400 = rewards $448 − fee $48.
Against #24. Trails Scotiabank Scene+ Visa by $39 over 3 years, mostly on annual fees (−$144).
Against #26. Beats Tangerine Money-Back Credit Card by $10 over 3 years, mostly on annual fees (−$144).
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
#26
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$517
Year 2+$417
3 years $1,351 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$517
Year 2+$417
Welcome or anniversary bonus$100 / $0Rewards on spending$417 / $417Fees (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 #26 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,351 after fees.
Year 1. $517 = welcome bonus $100 + rewards $417.
Each year after. $417 = rewards $417.
Against #25. Trails RBC ION+ Visa by $10 over 3 years, mostly on annual fees (+$144).
Against #27. Beats RBC Cash Back Mastercard by $162 over 3 years, mostly on rewards on spending (+$162).
Verified Oct 16, 2026Every term and assumption
#27
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$463
Year 2+$363
3 years $1,189 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$463
Year 2+$363
Welcome or anniversary bonus$100 / $0Rewards on spending$363 / $363Fees (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 #27 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,189 after fees.
Year 1. $463 = welcome bonus $100 + rewards $363.
Each year after. $363 = rewards $363.
Against #26. Trails Tangerine Money-Back Credit Card by $162 over 3 years, mostly on rewards on spending (−$162).
Against #28. Beats National Bank World Elite Mastercard by $102 over 3 years, mostly on annual fees (+$450).
Verified Oct 16, 2026Every term and assumption
#28
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$362
Year 2+$362
3 years $1,087 after fees· pays for itself in month 4
Apply
Breakdown, earn rates and why it's ranked here
Year 1$362
Year 2+$362
Rewards on spending$422 / $422Credits$90 / $90Fees (taken off the end)−$150 / −$150
Pays for itself in month 4 · 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 #28 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,087 after fees.
Year 1. $362 = rewards $422 + credits $90 − fee $150.
Each year after. $362 = rewards $422 + credits $90 − fee $150.
Against #27. Trails RBC Cash Back Mastercard by $102 over 3 years, mostly on annual fees (−$450).
Against #29. Beats TD Rewards Visa by $21 over 3 years, mostly on annual fees (−$450).
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
#29
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$406
Year 2+$330
3 years $1,066 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$406
Year 2+$330
Welcome or anniversary bonus$76 / $0Rewards on spending$330 / $330Fees (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 #29 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $1,066 after fees.
Year 1. $406 = welcome bonus $76 + rewards $330.
Each year after. $330 = rewards $330.
Against #28. Trails National Bank World Elite Mastercard by $21 over 3 years, mostly on annual fees (+$450).
Against #30. Beats TD Aeroplan Visa Platinum by $113 over 3 years, mostly on annual fees (+$178).
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
#30
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 $510, based on 1 cents per point
Year 2+estimated value, about $221, based on 1 cents per point
3 years estimated value, about $952, 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 $510, based on 1 cents per point
Year 2+estimated value, about $221, based on 1 cents per point
Welcome or anniversary bonus$200 / $0Rewards on spending$310 / $310Fees (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 #30 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth about $952 (estimated) after fees.
Year 1. about $510 (estimated) = welcome bonus $200 + rewards $310.
Each year after. about $221 (estimated) = rewards $310 − fee $89.
Against #29. Trails TD Rewards Visa by $113 over 3 years, mostly on annual fees (−$178).
Against #31. Beats Brim Financial World Elite Mastercard by $13 over 3 years, mostly on rewards on spending (−$276).
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$313
Year 2+$313
3 years $939 after fees· pays for itself in month 3
Apply
Breakdown, earn rates and why it's ranked here
Year 1$313
Year 2+$313
Rewards on spending$402 / $402Fees (taken off the end)−$89 / −$89
Pays for itself in month 3 · 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 3-year value on the family preset's spending. Over 3 years it's worth $939 after fees.
Year 1. $313 = rewards $402 − fee $89.
Each year after. $313 = rewards $402 − fee $89.
Against #30. Trails TD Aeroplan Visa Platinum by $13 over 3 years, mostly on rewards on spending (+$276).
Against #32. Beats Scotiabank Momentum No-Fee Visa by $11 over 3 years, mostly on rewards on spending (+$378).
Verified Oct 16, 2026Every term and assumption
#32
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$376
Year 2+$276
3 years $928 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$376
Year 2+$276
Welcome or anniversary bonus$100 / $0Rewards on spending$276 / $276Fees (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 #32 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $928 after fees.
Year 1. $376 = welcome bonus $100 + rewards $276.
Each year after. $276 = rewards $276.
Against #31. Trails Brim Financial World Elite Mastercard by $11 over 3 years, mostly on rewards on spending (−$378).
Against #33. Beats TD Aeroplan Visa Infinite Privilege by $9 over 3 years, mostly on annual fees (+$1,797).
Verified Oct 16, 2026Every term and assumption
#33
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 $973, based on 1 cents per point
Year 2+estimated value, about −$27, based on 1 cents per point
3 years estimated value, about $919, based on 1 cents per point after fees· pays for itself in month 4Mostly first-year value
Apply
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $973, based on 1 cents per point
Year 2+estimated value, about −$27, based on 1 cents per point
Welcome or anniversary bonus$1,000 / $0Rewards on spending$560 / $560Credits$13 / $13Fees (taken off the end)−$599 / −$599
Pays for itself in month 4 · 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 #33 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth about $919 (estimated) after fees.
Year 1. about $973 (estimated) = welcome bonus $1,000 + rewards $560 + credits $13 − fee $599.
Each year after. about −$27 (estimated) = rewards $560 + credits $13 − fee $599.
Against #32. Trails Scotiabank Momentum No-Fee Visa by $9 over 3 years, mostly on annual fees (−$1,797).
Against #34. Beats RBC ION Visa by $19 over 3 years, mostly on annual fees (−$1,797).
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$354
Year 2+$273
3 years $900 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$354
Year 2+$273
Welcome or anniversary bonus$81 / $0Rewards on spending$273 / $273Fees (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 3-year value on the family preset's spending. Over 3 years it's worth $900 after fees.
Year 1. $354 = welcome bonus $81 + rewards $273.
Each year after. $273 = rewards $273.
Against #33. Trails TD Aeroplan Visa Infinite Privilege by $19 over 3 years, mostly on annual fees (+$1,797).
Against #35. Beats TD Cash Back Visa by $93 over 3 years, mostly on welcome bonus (+$81).
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
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$269
Year 2+$269
3 years $807 after fees· no fee to cover
Apply
Breakdown, earn rates and why it's ranked here
Year 1$269
Year 2+$269
Rewards on spending$269 / $269Fees (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 #35 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $807 after fees.
Year 1. $269 = rewards $269.
Each year after. $269 = rewards $269.
Against #34. Trails RBC ION Visa by $93 over 3 years, mostly on welcome bonus (−$81).
Against #36. Beats RBC Avion Visa Infinite by $48 over 3 years, mostly on annual fees (+$360).
Verified Oct 16, 2026Every term and assumption
#36
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$437
Year 2+$118
3 years $759 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$437
Year 2+$118
Welcome or anniversary bonus$319 / $0Rewards on spending$238 / $238Fees (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 #36 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $759 after fees.
Year 1. $437 = welcome bonus $319 + rewards $238 − fee $120.
Each year after. $118 = rewards $238 − fee $120.
Against #35. Trails TD Cash Back Visa by $48 over 3 years, mostly on annual fees (−$360).
Against #37. Beats RBC Avion Visa Platinum by $13 over 3 years, mostly on rewards on spending (+$13).
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
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$432
Year 2+$113
3 years $745 after fees· pays for itself in month 1
Apply
Breakdown, earn rates and why it's ranked here
Year 1$432
Year 2+$113
Welcome or anniversary bonus$319 / $0Rewards on spending$233 / $233Fees (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 #37 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $745 after fees.
Year 1. $432 = welcome bonus $319 + rewards $233 − fee $120.
Each year after. $113 = rewards $233 − fee $120.
Against #36. Trails RBC Avion Visa Infinite by $13 over 3 years, mostly on rewards on spending (−$13).
Against #38. Beats American Express Platinum Card by $222 over 3 years, mostly on annual fees (+$2,037).
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
#38
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$541
Year 2+−$159
3 years $523 after fees· pays for itself in month 3Mostly first-year value
Apply
Breakdown, earn rates and why it's ranked here
Year 1$541
Year 2+−$159
Welcome or anniversary bonus$700 / $0Rewards on spending$480 / $480Credits$160 / $160Fees (taken off the end)−$799 / −$799
Pays for itself in month 3 · value so far covers fees so far
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 #38 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $523 after fees.
Year 1. $541 = welcome bonus $700 + rewards $480 + credits $160 − fee $799.
Each year after. −$159 = rewards $480 + credits $160 − fee $799.
Against #37. Trails RBC Avion Visa Platinum by $222 over 3 years, mostly on annual fees (−$2,037).
Against #39. Beats RBC Avion Visa Infinite Privilege by $266 over 3 years, mostly on annual fees (−$1,200).
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
#39
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$211
Year 2+−$108
3 years $257 after fees· pays for itself in month 4Mostly first-year value
Apply
Breakdown, earn rates and why it's ranked here
Year 1$211
Year 2+−$108
Welcome or anniversary bonus$319 / $0Rewards on spending$291 / $291Fees (taken off the end)−$399 / −$399
Pays for itself in month 4 · 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 #39 of 40. By 3-year value on the family preset's spending. Over 3 years it's worth $257 after fees.
Year 1. $211 = welcome bonus $319 + rewards $291 − fee $399.
Each year after. −$108 = rewards $291 − fee $399.
Against #38. Trails American Express Platinum Card by $266 over 3 years, mostly on annual fees (+$1,200).
Against #40. Beats TD Low Rate Visa by $307 over 3 years, mostly on annual fees (−$1,147).
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
#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 3-year value on the family 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 RBC Avion Visa Infinite Privilege by $307 over 3 years, mostly on annual fees (+$1,147).
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

Family preset, $3,350 a month, after fees. "~" marks estimates.

Card	Year 1	Year 2+	3 years
Scotiabank Gold American Express	$1,240	$940	$3,119
American Express SimplyCash Preferred	$1,136	$936	$3,058
TD First Class Travel Visa Infinite	$1,615	$676	$2,966
Scotiabank Momentum Visa Infinite	$1,184	$764	$2,713
CIBC Dividend Visa Infinite	$1,087	$767	$2,620
BMO eclipse Visa Infinite	$1,294	$585	$2,465
TD Cash Back Visa Infinite	$1,122	$633	$2,387
RBC Cash Back Preferred World Elite Mastercard	$952	$652	$2,255
Scotiabank Platinum American Express	$1,205	$405	$2,215
Desjardins Cash Back World Elite Mastercard	$698	$698	$2,094

Frequently asked questions

What are the best credit cards in Quebec?

On family spending ($3,350 a month), Scotiabank Gold American Express ranks first: $1,240 in year 1 and $940 a year after fees.

How were these cards picked?

Ranked by 3-year value on a family's spending for a Quebec resident: welcome offers not open to Quebec are left out, Quebec's own offers are used, and cards not available in Quebec are set aside. 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

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