Side-by-side comparisons of Canada’s most popular credit cards. Each comparison looks at earn rates, annual fees, insurance benefits, and which type of spender each card suits best.
Available Comparisons
Travel Cards
| Comparison | Key Question |
|---|---|
| TD Aeroplan vs CIBC Aeroplan Visa Infinite | Near-identical Aeroplan cards — which one is actually better? |
| Scotiabank Passport vs Home Trust Preferred Visa | $150 vs $0 — is the Passport no-FX card worth the premium? |
| WestJet World Elite vs TD Aeroplan Visa Infinite | Companion voucher vs free bag — two airline card philosophies |
Everyday Rewards
| Comparison | Key Question |
|---|---|
| Amex Cobalt vs Scotiabank Gold Amex | Canada’s two most-recommended everyday cards — which is better? |
| Amex Cobalt vs Amex Gold Rewards Card | Both earn MR — which Amex card earns more for your spending? |
Cash Back
| Comparison | Key Question |
|---|---|
| CIBC Dividend vs Scotiabank Momentum Visa Infinite | Both earn 4% on grocery and gas at $120/year — what’s the difference? |
| TD Cash Back vs BMO CashBack World Elite | Premium cash back — which card earns more and costs less? |
| Rogers vs Tangerine vs Simplii | Best no annual fee cash back card in Canada |
| Tangerine vs Simplii Financial Cash Back Visa | Flexible categories vs fixed 4% dining — which no-fee card wins? |
Why Compare Credit Cards?
Two cards can look similar on the surface — same network, similar earn rates, close annual fees — yet deliver very different outcomes depending on how you spend and redeem. Our comparisons dig into:
- Earn rates by category (groceries, gas, dining, travel, everything else)
- Annual fee vs. value delivered — when the higher-fee card actually wins
- Point/rewards value — fixed-value programmes vs. transferable points that can be worth more
- Insurance packages — travel medical, trip cancellation, rental car coverage
- Foreign transaction fees — a 2.5% gap that compounds quickly on international spend
- Welcome bonus value — and the minimum spend required to earn it
How We Compare Cards
All comparisons are based on published card terms and standard Canadian earn rates. Point values use conservative estimates based on typical redemption options — we note when premium redemptions can unlock higher values, but we don’t build the headline comparison around best-case scenarios.
Card terms change. We update comparisons when issuers modify earn rates, annual fees, or benefits — check the lastmod date on each page and verify current terms with the issuer before applying.