Compare Canadian credit cards by first-year value, plus savings rates, GICs, chequing bonuses, online brokers and robo-advisors, with the math shown.
| Card | Issuer | Annual fee | First-year value | Net annual rewards |
|---|---|---|---|---|
| TD First Class Travel Visa Infinite Card | TD | $139 | $1,251 | $357 |
| BMO VIPorter World Elite Mastercard | BMO | $199 | $1,064 | $165 |
| BMO CashBack World Elite Mastercard | BMO | $139 | $1,049 | $430 |
| Scotiabank Gold American Express | Scotiabank | $120 | $1,011 | $361 |
| WestJet RBC World Elite Mastercard | RBC | $139 | $865 | $265 |
| BMO Ascend World Elite Mastercard | BMO | $150 | $805 | $122 |
| Capital One Quicksilver World Elite Mastercard | Capital One | $0 | $792 | $396 |
| Capital One Quicksilver World Mastercard | Capital One | $0 | $792 | $396 |
| BMO eclipse Visa Infinite | BMO | $120 | $791 | $338 |
| Scotiabank Platinum American Express | Scotiabank | $399 | $781 | $81 |
| TD Aeroplan Visa Infinite | TD | $139 | $779 | $140 |
| CIBC Aeroplan Visa Infinite | CIBC | $139 | $779 | $140 |
| Hilton Honors American Express Card | American Express | $150 | $742 | $442 |
| TD Aeroplan Visa Infinite Privilege | TD | $599 | $732 | −$268 |
| CIBC Aeroplan Visa Infinite Privilege | CIBC | $599 | $730 | −$270 |
Values assume $2,000 a month of typical spending. First-year value is the welcome bonus plus a year of rewards, minus the annual fee; net annual rewards is a year of rewards minus the annual fee. Commission never changes the order.
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WalletReturn is an independent Canadian comparison site. Values are estimates; confirm current terms with the provider. Commission never changes rankings. Methodology · Advertising disclosure