Canadian Credit Card Spend Optimizer

What Cards Give You The Most Points Back?

This chart shows which cards give you the percentage of your spend back in points on specific reward categories.

Aeroplan & Membership Rewards Other Points Business Cards
Spend Optimzer
Credit Card Comparison
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Card (Click Here to Sort) Annual Fee Point Type Groceries Dining Streaming Gas Transit Entertainment Pharmacy Air Canada Other Travel Other Bank Benefits Offers
Amex Cobalt $156
Membership RewardsMR
01
10.50%
01
10.50%
01
6.30%
01
4.20%
01
4.20%
05
2.10%
05
2.10%
02
4.20%
01
4.20%
04
2.10%		 Amex
5x Points on Eats & DrinksP
 GCR
Amex Gold $250
Membership RewardsMR
03
4.20%
10
2.10%
09
2.10%
02
4.20%
06
2.10%
06
2.10%
01
4.20%
03
4.20%
02
4.20%
05
2.10%		 Amex
4 Lounge Passes, Nexus Credit, Hotel BenefitsLNH
 Perk/GCR
Amex Aeroplan Reserve $599 Aeroplan
08
2.63%
10
2.10%
05
2.63%
07
2.63%
04
2.63%
03
2.63%
03
2.63%
01
6.20%
06
2.63%
02
2.63%		 Amex
Unlimited Lounge Access, Nexus Credit, Priority Airport Services, Free 1st Checked Bag for 8 passangers on Air CanadaLNBA
 GCR/Ref
Amex Platinum $699
Membership RewardsMR
11
2.10%
02
6.30%
07
2.10%
10
2.10%
09
2.10%
09
2.10%
08
2.10%
05
4.20%
03
4.20%
06
2.10%		 Amex
Unlimited Lounge Access, Nexus Credit, Travel Credit, Status at Hotels, YYZ Benefits, Amex OffersLNHA
 GCR/Ref
RBC Avion Visa Infinite $120 Avion
10
2.60%
08
2.60%
06
2.60%
08
2.60%
05
2.60%
04
2.60%
04
2.60%
06
3.25%
05
3.25%
03
2.60%		 RBC CCG
Amex Business Platinum $499
Membership RewardsMR
08
2.63%
07
2.63%
04
2.63%
06
2.63%
03
2.63%
02
2.63%
02
2.63%
08
2.63%
06
2.63%
01
2.63%		 Amex
Unlimited Lounge Access, Nexus Credit, Travel Credit, Status at Hotels, YYZ Benefits, Amex OffersLNHA
 GCR/Ref
TD Aeroplan Visa Privilege $599 Aeroplan
05
3.15%
05
3.15%
08
2.10%
03
3.15%
07
2.10%
07
2.10%
06
2.10%
04
4.20%
09
2.10%
07
2.10%		 TD
Unlimited Lounge Access, Nexus Credit, Priority Airport Services, Free 1st Checked Bag for 8 passangers on Air CanadaLNBA
Scotia Amex Gold $0* Scene
02
6.00%1
03
5.00%
03
3.00%
05
3.00%
02
3.00%
01
5.00%
10
1.00%
10
1.00%
11
1.00%
11
1.00%		 Scotia
No Foreign Exchange FeeF
 GCR
CIBC Aeroplan Visa Infinite $0* Aeroplan
06
3.15%
11
2.10%
10
2.10%
04
3.15%
08
2.10%
08
2.10%
08
2.10%
07
3.15%
08
2.10%
08
2.10%		 CIBC
Free Checked Bag for 2 on Air CanadaB
TD Aeroplan Visa Infinite $139 Aeroplan
06
3.15%
11
2.10%
10
2.10%
04
3.15%
08
2.10%
08
2.10%
08
2.10%
07
3.15%
08
2.10%
08
2.10%		 TD
Free 1st Checked Bag for 8 on Air CanadaB
Amex Marriott Bonvoy Business $150
Marriott BonvoyMB
12
1.60%
09
2.40%
12
1.60%
09
2.40%
11
1.60%
10
1.60%
09
1.60%
09
2.40%
08
2.40%
09
1.60%		 Amex
1 Free Night after 1st year, Improved status at Mariott propertiesH
 GCR/Ref
Scotia Momentum Visa $0* Cashback
04
4.00%
12
1.00%
02
4.00%
11
2.00%
10
2.00%
12
1.00%
11
1.00%
11
1.00%
12
1.00%
12
1.00%		 Scotia
4% cashback on groceries/subscriptions, 2% cashback on gas/transitC
TD First Class Travel Visa $0* TD
07
3.00%
06
3.00%
11
2.00%
12
1.00%
12
1.00%
12
1.00%
12
1.00%
12
1.00%
04
4.00%2
10
1.00%		 TD GCR
Last Updated July 31st, 2023 - This Page Contains Affiliate Links

Notes

Not Financial Advice
This website is not financial advice and may not have up-to-date information. Please do your own reserach.
Assumptions
This chart assumes the following point valuations: Aeroplan/MR = 2.1 cents per point, Avion = 2.0 cents per point (plus 30% transfer bonus), Scene+ = 1.0 cent per point, and TD = .5 cent per point.
First Year Free
* means first year free. After your first year there is likely an annual fee. In almost all cases you can cancel the card before the second year annual fee.
Scotia Amex Groceries
The 6x Scene+ points on every $1 CAD you spend in Canada at only counts at Sobeys, Safeway, FreshCo, and Foodland.
Cash Value per M.S.R.
The 8x TD Points on every $1 CAD you spend is only eligible on purchases made on the Expedia for TD Portal.