{"id":724194,"date":"2018-04-15T21:07:16","date_gmt":"2018-04-16T01:07:16","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?page_id=724194"},"modified":"2026-10-14T11:43:18","modified_gmt":"2026-10-14T15:43:18","slug":"rewards-credit-cards","status":"publish","type":"page","link":"https:\/\/www.finder.com\/ca\/credit-cards\/rewards-credit-cards","title":{"rendered":"Best rewards credit cards in Canada"},"content":{"rendered":"<p>A rewards credit card is a great way to earn reward points or travel miles you can put towards travel, gas or shopping at your favourite stores just by making your everyday purchases. If you use your card responsibly, a rewards card can be a great way to get discounts on your next flight, travel package or shopping spree. Keep reading to learn about how rewards credit cards work in Canada, how to compare the best rewards credit cards and how to find the right type of rewards card for your unique set of needs.<\/p><h3>The 8 best rewards credit cards in Canada<\/h3><ul>\n<li><strong>Best overall rewards card: <\/strong><a href=\"#best-overall-rewards-card\">Scotiabank Gold American Express Card<\/a><\/li>\n<li><strong>Best everyday rewards card: <\/strong><a href=\"#best-everyday-rewards-card\">BMO eclipse Visa Infinite<\/a><\/li>\n<li><strong>Best for earning flat-rate cash back: <\/strong><a href=\"#best-for-earning-flat-rate-cash-back\">SimplyCash Preferred Card from American Express<\/a><\/li>\n<li><strong>Best for earning accelerated cash back: <\/strong><a href=\"#best-for-earning-accelerated-cash-back\">Scotia Momentum Visa Infinite + Card <\/a><\/li>\n<li><strong>Best rewards card for earning Aeroplan Miles: <\/strong><a href=\"#best-rewards-card-for-earning-aeroplan-miles\">American Express Aeroplan Reserve Card<\/a><\/li>\n<li><strong>Best rewards credit card for travel: <\/strong><a href=\"#best-rewards-credit-card-for-travel\">American Express Cobalt Card<\/a><\/li>\n<li><strong>Best rewards card for hotel rewards: <\/strong><a href=\"#best-rewards-card-for-hotel-rewards\">Marriott Bonvoy American Express Card<\/a><\/li>\n<li><strong>Best no annual fee rewards credit card: <\/strong><a href=\"#best-no-annual-fee-rewards-credit-card\">MBNA Rewards Platinum Plus Mastercard<\/a><\/li>\n<\/ul>\n<script type=\"application\/ld+json\">\n{\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"ItemList\",\n    \"itemListElement\": [\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 1,\n            \"name\": \"Scotiabank Gold American Express Card\",\n            \"description\": \"Best overall rewards card\",\n            \"url\": 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\"description\": \"Best for earning accelerated cash back\",\n            \"url\": \"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card\"\n        },\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 5,\n            \"name\": \"American Express Aeroplan Reserve Card\",\n            \"description\": \"Best rewards card for earning Aeroplan Miles\",\n            \"url\": \"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-aeroplan-reserve-card-review\"\n        },\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 6,\n            \"name\": \"American Express Cobalt Card\",\n            \"description\": \"Best rewards credit card for travel\",\n            \"url\": \"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card\"\n        },\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 7,\n            \"name\": \"Marriott Bonvoy American Express Card\",\n            \"description\": \"Best rewards card for hotel rewards\",\n            \"url\": \"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/marriott-bonvoy-american-express-card\"\n        },\n        {\n            \"@type\": \"ListItem\",\n            \"position\": 8,\n            \"name\": \"MBNA Rewards Platinum Plus Mastercard\",\n            \"description\": \"Best no annual fee rewards credit card\",\n            \"url\": \"https:\/\/www.finder.com\/ca\/credit-cards\/mbna\/mbna-rewards-platinum-plus-mastercard-review\"\n        }\n    ]\n}\n<\/script><div class=\"content tableWithFilters\n         topFiltersEnabled\n        \n         best-cards-table-container\" id=\"comparison-table\" data-section=\"table\" data-niche=\"CACCF\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div id=\"portal-table-top-filters-modal\"><\/div>\n\n<div class=\"contentWrapper 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1px solid #e6b40f;\n    border-radius: 12px;\n    background: linear-gradient(162deg, rgba(255, 210, 59, 0.5) 9.47%, rgba(255, 216, 53, 0.5) 16.17%, rgba(254, 218, 61, 0.5) 21.75%, rgba(254, 224, 83, 0.5) 29.57%, rgba(254, 234, 119, 0.5) 39.61%, rgba(253, 247, 169, 0.5) 50.78%, rgba(253, 255, 196, 0.5) 56.36%, rgba(253, 248, 172, 0.5) 58.59%, rgba(253, 238, 136, 0.5) 61.94%, rgba(254, 230, 105, 0.5) 65.29%, rgba(254, 224, 82, 0.5) 68.64%, rgba(254, 219, 65, 0.5) 73.1%, rgba(254, 216, 56, 0.5) 77.57%, rgba(255, 216, 53, 0.5) 83.15%, rgba(255, 210, 59, 0.5) 89.85%), #ffffff;\n  }\n\n  .comparison-table__feature--offer-stacked .finder-reward-stack {\n    display: flex;\n    flex-direction: column;\n    padding: 0;\n    background: none;\n    border: 0;\n  }\n\n  .finder-reward-stack__reward {\n    border-bottom-left-radius: 0;\n    border-bottom-right-radius: 0;\n  }\n\n  .finder-reward-stack__offer {\n    display: flex;\n    align-items: flex-start;\n    gap: 8px;\n    margin-top: -1px;\n    padding: 12px 16px;\n    border: 1px solid #e6b40f;\n    border-radius: 0 0 12px 12px;\n    background: #fff9e5;\n    color: #232320;\n    font-size: 14px;\n    line-height: 1.25;\n  }\n\n  .finder-reward-stack__offer .luna-icon {\n    --fill: #1dd751;\n    flex-shrink: 0;\n    width: 20px;\n    height: 20px;\n  }\n\n  .finder-reward-stack__plus {\n    display: block;\n    align-self: center;\n    box-sizing: border-box;\n    width: 20px;\n    height: 20px;\n    margin: -10px auto;\n    position: relative;\n    z-index: 2;\n    border-radius: 9999px;\n    border: 1px solid #e6b40f;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n  }\n\n    .finder-reward-stack__plus::before,\n  .finder-reward-stack__plus::after {\n    content: '';\n    position: absolute;\n    top: 50%;\n    left: 50%;\n    width: 8px;\n    height: 2px;\n    background: #092673;\n    transform: translate(-50%, -50%);\n  }\n\n  .finder-reward-stack__plus::after {\n    transform: translate(-50%, -50%) rotate(90deg);\n  }\n\n    .finder-reward-badge {\n    position: absolute;\n    top: -8px;\n    left: 12px;\n    z-index: 1;\n    display: inline-flex;\n    align-items: center;\n    gap: 2px;\n    box-sizing: border-box;\n    height: 24px;\n    padding: 0 10px 0 4px;\n    border: 1px solid #e6b40f;\n    border-radius: 12px 999px 999px 80px;\n    background: linear-gradient(148.12deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n  }\n\n  .finder-reward-badge .finder-reward-badge__card {\n    width: 44px;\n    height: 31px;\n    margin: -4px 0 -4px -10px;\n  }\n\n    .finder-reward-badge .finder-reward-badge__card text {\n    font: italic 900 10px 'Modern Era', Arial, Helvetica, sans-serif;\n  }\n\n    .finder-reward-badge__text {\n    text-box: trim-both cap alphabetic;\n    color: #092673;\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n\n  .finder-reward-criteria__text {\n    margin: 0;\n    color: #232320;\n    font-size: 14px;\n    line-height: 1.25;\n  }\n\n  .finder-reward-criteria__text strong {\n    font-weight: 700;\n  }\n\n    .finder-reward-criteria__tc,\n  .finder-reward-criteria__tc:visited {\n    color: inherit;\n    font-weight: inherit;\n    text-decoration: underline;\n    text-underline-position: auto;\n    white-space: nowrap;\n  }\n\n    @media (max-width: 600px) {\n        table.has-combined-column-header tr.mobile-two-columns td.comparison-table__feature.comparison-table__feature--offer-stacked,\n    table.has-combined-column-header tr.mobile-two-columns td.comparison-table__feature.comparison-table__feature--reward-criteria {\n      padding-left: 16px !important;\n      padding-right: 16px !important;\n    }\n  }\n\n  .finder-reward-stack,\n  .finder-reward-criteria {\n    text-align: left;\n  }\n<\/style><h3 id=\"best-overall-rewards-card\" class=\"best-card__header\">Best overall rewards card<\/h3><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"caccf\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"8\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"075eb616a4ae45e1bce4a978fb1e474723e44b8fb6e5819f852911074f0277fa\" data-table-record-type=\"product\" data-table-record-ids='[\"884ed514-da14-4f30-a480-297dad67d7b4\",\"cb87864e-757c-4acd-82c0-6b97b8552c06\",\"16182eb0-e8c7-4cdb-bc24-df5f5c2751cd\",\"433a7891-03de-440f-a886-a6eb42465eea\",\"d520749b-3d07-40a3-b3bf-8649ed017350\",\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\",\"4b3b4b43-b121-48b2-b026-9f79b2e17aba\",\"925d3aaf-1216-44cf-b2d8-8d4014cb52c3\"]' data-total-data=\"8\" data-enable-top-filters=\"true\" data-gte-enabled-variants=\"table_share_pill_1\" data-total-product-count=\"8\" data-sponsored-placements=\"0\" data-rewards-campaign-names=\"scotiabank|gold|nov-2026~caccf\" data-rewards-component=\"template-products\" data-override-table-position-configuration=\"false\"><tbody><tr data-product-id=\"884ed514-da14-4f30-a480-297dad67d7b4\" data-provider-id=\"a27ab6c4-fb8f-4d55-bd26-eeb5240893fa\" data-product-name=\"Scotiabank Gold American Express Card\" data-provider-name=\"Scotiabank\" data-rewards-campaign-name=\"scotiabank|gold|nov-2026~caccf\" data-should-show-rewards=\"true\" data-eligibility-criteria-shown=\"true\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-3  js-comparison-table__row   rewards--element-container\"><td class=\"comparison-table__name combined-column-header  rewards-row f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotiabank-gold-american-express-credit-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6984e5861a6ef.png\" alt=\"Scotiabank Gold American Express Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6984e5861a6ef.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6984e5861a6ef.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6984e5861a6ef.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6984e5861a6ef.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6984e5861a6ef.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotiabank-gold-american-express-credit-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Scotiabank Gold American Express Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        65,000 points<span class=\"table-popover\" rel=\"popover\" data-content=\"Earn up to 65,000 bonus Scene+ points. &lt;b&gt;Apply by January 3, 2027.&lt;\/b&gt; To qualify for the 65,000 bonus Scene+ points offer, earn 40,000 bonus Scene+ points by making at least $2,000 in purchases in your first 3 months. Plus, earn 25,000 bonus Scene+ points when you spend at least $7,500 in purchases in your first year.&lt;br \/&gt;\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        Up to 6x points per $1 spent <span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 6 Scene+ points per $1 at participating grocery stores (Sobeys, Safeway, FreshCo, Foodland and more), 5 Scene+ points per $1 on other eligible grocery stores, dining, food delivery, food subscriptions and eligible entertainment (including movies, theatre and ticket agencies), 1 Scene+ point per $1 on eligible travel (plus an extra 3 Scene+ points per $1 on hotels and car rentals booked through Scene+ Travel, Powered by Expedia), 3 Scene+ points per $1 on eligible gas, transit and streaming services and 1 Scene+ point per $1 on all other eligible purchases.\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $120\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer comparison-table__feature--offer-stacked sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper finder-reward-stack js-calculator-table-value\" data-heading=\"Default Offer\"><span class=\"finder-reward-badge\"><svg width=\"44\" height=\"31\" viewbox=\"0 0 44 31\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"rewards-pill__icon-svg finder-reward-badge__card\"><g clip-path=\"url(#pill_clip0_pill_compact_0000000003)\"><rect y=\"5.56738\" width=\"40\" height=\"25.2248\" rx=\"1.61564\" transform=\"rotate(-8 0 5.56738)\" fill=\"#2857FF\"><\/rect><path d=\"M20.897 2.22497C30.3741 0.893043 39.1368 7.49621 40.4687 16.9734C41.8007 26.4505 35.1975 35.2132 25.7203 36.5451C21.4981 37.1385 17.4196 36.1536 14.0749 34.0446C11.4411 36.9939 7.79204 39.0648 3.56982 39.6582C-5.90734 40.9901 -14.67 34.387 -16.002 24.9098L-18.4137 7.74972L20.897 2.22497ZM20.554 -0.215411L-21.1973 5.65234L-18.4426 25.2531C-18.2559 26.5813 -17.9353 27.8906 -17.4896 29.1448C-17.0548 30.3681 -16.4961 31.5532 -15.8289 32.6667C-15.1742 33.7597 -14.4085 34.7947 -13.5532 35.7431C-12.7065 36.6819 -11.7646 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stop-color=\"#FFD23B\"><\/stop><stop offset=\"0.24\" stop-color=\"#FFD835\"><\/stop><stop offset=\"0.29\" stop-color=\"#FEDA3D\"><\/stop><stop offset=\"0.36\" stop-color=\"#FEE053\"><\/stop><stop offset=\"0.45\" stop-color=\"#FEEA77\"><\/stop><stop offset=\"0.55\" stop-color=\"#FDF7A9\"><\/stop><stop offset=\"0.6\" stop-color=\"#FDFFC4\"><\/stop><stop offset=\"0.62\" stop-color=\"#FDF8AC\"><\/stop><stop offset=\"0.65\" stop-color=\"#FDEE88\"><\/stop><stop offset=\"0.68\" stop-color=\"#FEE669\"><\/stop><stop offset=\"0.71\" stop-color=\"#FEE052\"><\/stop><stop offset=\"0.75\" stop-color=\"#FEDB41\"><\/stop><stop offset=\"0.79\" stop-color=\"#FED838\"><\/stop><stop offset=\"0.84\" stop-color=\"#FFD835\"><\/stop><stop offset=\"0.9\" stop-color=\"#FFD23B\"><\/stop><\/lineargradient><radialgradient id=\"pill_paint1_pill_compact_0000000003\" cx=\"0\" cy=\"0\" r=\"1\" gradientunits=\"userSpaceOnUse\" gradienttransform=\"translate(40.4043 24.2693) rotate(-172.006) scale(4.25594 5.99724)\"><stop offset=\"0.4\" stop-color=\"#EDEEF8\"><\/stop><stop offset=\"0.45\" stop-color=\"#F5F2E1\"><\/stop><stop offset=\"0.5\" stop-color=\"#F9CBD3\"><\/stop><stop offset=\"0.6\" stop-color=\"#DCECF6\"><\/stop><stop offset=\"0.7\" stop-color=\"#CAC5FE\"><\/stop><stop offset=\"0.9\" stop-color=\"#CBE9F3\"><\/stop><stop offset=\"1\" stop-color=\"#F9E9D0\"><\/stop><\/radialgradient><clippath id=\"pill_clip0_pill_compact_0000000003\"><rect y=\"5.56738\" width=\"40\" height=\"25.2248\" rx=\"1.61564\" transform=\"rotate(-8 0 5.56738)\" fill=\"white\"><\/rect><\/clippath><\/defs><\/svg><span class=\"finder-reward-badge__text\">$150 Reward<\/span><\/span><div class=\"finder-reward-stack__reward\"><p class=\"finder-reward-criteria__text\"><strong>Finder Rewards: <\/strong>Join Finder then apply through Finder and get approved for a Scotiabank Gold American Express Card as a new Scotiabank customer to receive a $150 digital Visa gift card. Ends 30 Dec 2026. <a class=\"finder-reward-criteria__tc\" href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-scotiabank-gold-american-express-card-reward-promotion-terms-and-conditions\" target=\"_blank\" rel=\"noopener noreferrer\">T&amp;Cs apply<\/a>.<\/p><\/div><span class=\"finder-reward-stack__plus\" aria-hidden=\"true\"><\/span><div class=\"finder-reward-stack__offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n            Earn up to $1,100 in first-year value, including up to 65,000 bonus Scene+ points. <b>Apply by January 3, 2027<\/b>. T&amp;Cs apply.\n        <\/span><\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"884ed514-da14-4f30-a480-297dad67d7b4\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/scotiabank-gold-american-express-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22best-card%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22Best_CA_Credit_Cards%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%2231936c6f-33b5-4308-8574-aeb55121fc7f%22%2C%22category_name%22%3A%22Best%2Bcards%2B-%2BRewards%2Bcards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794152376%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2224029%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22884ed514-da14-4f30-a480-297dad67d7b4%22%2C%22product_name%22%3A%22Scotiabank%2BGold%2BAmerican%2BExpress%2BCard%22%2C%22finder_reward%22%3A%221%22%2C%22finder_reward_campaign_name%22%3A%22scotiabank%257Cgold%257Cnov-2026%257Ecaccf%22%2C%22post_id%22%3A%22724194%22%2C%22post_path%22%3A%22credit-cards%252Frewards-credit-cards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall rewards--cta rewards--record-id-884ed514-da14-4f30-a480-297dad67d7b4 button--cta\" title=\"Go to Scotiabank's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Scotiabank Gold American Express Card\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"884ed514-da14-4f30-a480-297dad67d7b4\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-884ed514-da14-4f30-a480-297dad67d7b4\" value=\"884ed514-da14-4f30-a480-297dad67d7b4\" name=\"productID\" _productname=\"                            Scotiabank Gold American Express Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"884ed514-da14-4f30-a480-297dad67d7b4\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-884ed514-da14-4f30-a480-297dad67d7b4\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">The Scotiabank Gold American Express Card is a powerful everyday credit card as well as a strong travel companion. Earn 6 Scene+ points per $1 at participating grocery stores (Sobeys, Safeway, FreshCo, Foodland and more), 5 Scene+ points per $1 on other eligible grocery stores, dining, food delivery, food subscriptions and eligible entertainment (including movies, theatre and ticket agencies), 1 Scene+ point per $1 on eligible travel (plus an extra 3 Scene+ points per $1 on hotels and car rentals booked through Scene+ Travel, Powered by Expedia), 3 Scene+ points per $1 on eligible gas, transit and streaming services and 1 Scene+ point per $1 on all other eligible purchases.  Plus, enjoy peace of mind with a broad array of travel insurance options.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__884ed514-da14-4f30-a480-297dad67d7b4\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__884ed514-da14-4f30-a480-297dad67d7b4\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn up to $1,100 in first-year value, including up to 65,000 bonus Scene+ points. <b>Apply by January 3, 2027<\/b><\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn 6 Scene+ points per $1 at participating grocery stores (Sobeys, Safeway, FreshCo, Foodland and more), 5 Scene+ points per $1 on other eligible grocery stores, dining, food delivery, food subscriptions and eligible entertainment (including movies, theatre and ticket agencies), 1 Scene+ point per $1 on eligible travel (plus an extra 3 Scene+ points per $1 on hotels and car rentals booked through Scene+ Travel, Powered by Expedia), 3 Scene+ points per $1 on eligible gas, transit and streaming services and 1 Scene+ point per $1 on all other eligible purchases.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEnjoy travel perks and peace of mind with a broad array of travel insurance options\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tThis card has an annual fee of $120\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tYou'll need to earn a minimum income of $12,000 a year to be eligible for this card\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tIf you spend overseas, you'll pay a 0% foreign transaction fee\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><h3 id=\"best-everyday-rewards-card\" class=\"best-card__header\">Best everyday rewards card<\/h3><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000-2\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-niche=\"caccf\" data-table-record-type=\"product\" data-rewards-campaign-names=\"scotiabank|gold|nov-2026~caccf\" data-rewards-component=\"template-products\"><tbody><tr data-product-id=\"cb87864e-757c-4acd-82c0-6b97b8552c06\" data-provider-id=\"d2c47712-e4ff-4630-af29-f39e3997f320\" data-product-name=\"BMO eclipse Visa Infinite\" data-provider-name=\"BMO\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-eclipse-visa-infinite-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5fa9b01b4af1b.png\" alt=\"BMO eclipse Visa Infinite image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5fa9b01b4af1b.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5fa9b01b4af1b.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5fa9b01b4af1b.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5fa9b01b4af1b.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5fa9b01b4af1b.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\/bmo-eclipse-visa-infinite-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">BMO eclipse Visa Infinite<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        70,000<span class=\"table-popover\" rel=\"popover\" data-content=\"Get up to 70,000 welcome points. &lt;strong&gt;Apply by October 31, 2027.&lt;\/strong&gt;&lt;br \/&gt;&lt;br \/&gt;Earn 30,000 points when you spend $4,000 in the first 110 days, Earn 20,000 points when you spend at least $7,000 in the first 6 months. Receive an additional 20,000 points when you spend at least $12,000 in the first year.&lt;br \/&gt;&lt;br \/&gt;Plus, pay no annual fee in your first year.\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        5 points per $1 spent <span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit. Plus, earn 1 point for every $1 spent on everything else.\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $0 annual fee for the first year ($120 thereafter)\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n                Get up to 70,000 welcome points. <strong>Apply by October 31, 2027.<\/strong> Plus, pay no annual fee in your first year. T&amp;Cs apply.\n            <\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"cb87864e-757c-4acd-82c0-6b97b8552c06\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/bmo-eclipse-visa-infinite-ca-credit-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22best-card%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22Best_CA_Credit_Cards%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%2231936c6f-33b5-4308-8574-aeb55121fc7f%22%2C%22category_name%22%3A%22Best%2Bcards%2B-%2BRewards%2Bcards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794152376%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2221488%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22cb87864e-757c-4acd-82c0-6b97b8552c06%22%2C%22product_name%22%3A%22BMO%2Beclipse%2BVisa%2BInfinite%22%2C%22post_id%22%3A%22724194%22%2C%22post_path%22%3A%22credit-cards%252Frewards-credit-cards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to BMO's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about BMO eclipse Visa Infinite\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"cb87864e-757c-4acd-82c0-6b97b8552c06\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-cb87864e-757c-4acd-82c0-6b97b8552c06\" value=\"cb87864e-757c-4acd-82c0-6b97b8552c06\" name=\"productID\" _productname=\"                            BMO eclipse Visa Infinite            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"cb87864e-757c-4acd-82c0-6b97b8552c06\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-cb87864e-757c-4acd-82c0-6b97b8552c06\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">The BMO eclipse Visa Infinite let's you earn accelerated rewards on everyday purchases. Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit. Plus, earn 1 point for every $1 spent on everything else. Plus, you'll also get an annual lifestyle credit and a generous welcome offer. Get up to 70,000 welcome points. <strong>Apply by October 31, 2027.<\/strong><br><br>Earn 30,000 points when you spend $4,000 in the first 110 days, Earn 20,000 points when you spend at least $7,000 in the first 6 months. Receive an additional 20,000 points when you spend at least $12,000 in the first year.<br><br>Plus, pay no annual fee in your first year.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__cb87864e-757c-4acd-82c0-6b97b8552c06\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__cb87864e-757c-4acd-82c0-6b97b8552c06\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tGet up to 70,000 welcome points. <strong>Apply by October 31, 2027.<\/strong> Plus, pay no annual fee in your first year.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn 5x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit. Plus, earn 1 point for every $1 spent on everything else.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tTravel worry-free with emergency medical insurance, common carrier insurance and car rental collision insurance\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tThis card comes with a 2.5% foreign transaction fee\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tYou'll pay an annual fee of $120\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><h3 id=\"best-for-earning-flat-rate-cash-back\" class=\"best-card__header\">Best for earning flat-rate cash back<\/h3><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000-3\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-niche=\"caccf\" data-table-record-type=\"product\" data-rewards-campaign-names=\"scotiabank|gold|nov-2026~caccf\" data-rewards-component=\"template-products\"><tbody><tr data-product-id=\"16182eb0-e8c7-4cdb-bc24-df5f5c2751cd\" data-provider-id=\"795613d6-853c-4c46-b357-d7499b9dafa4\" data-product-name=\"SimplyCash Preferred Card from American Express\" data-provider-name=\"American Express\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-simplycash-preferred-card-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6346d5641bfea.png\" alt=\"SimplyCash Preferred Card from American Express image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6346d5641bfea.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6346d5641bfea.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6346d5641bfea.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6346d5641bfea.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6346d5641bfea.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-simplycash-preferred-card-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">SimplyCash Preferred Card from American Express<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        Up to $250 in bonus value<span class=\"table-popover\" rel=\"popover\" data-content=\"Earn a bonus 10% cash back on all purchases for your first 3 months (up to $2,000 in purchases). Plus, earn a $50 statement credit when you make a purchase in month 13. This could add up to $250 in bonus value in your first 13 months.\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        Up to 4% cash back <span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually), and 2% cash back on all other purchases.\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $119.88\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n                Earn a bonus 10% cash back on all purchases for your first 3 months (up to $2,000 in purchases). Plus, earn a $50 statement credit when you make a purchase in month 13. This could add up to $250 in bonus value in your first 13 months. T&amp;Cs apply.\n            <\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"16182eb0-e8c7-4cdb-bc24-df5f5c2751cd\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/american-express-simplycash-preferred-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22best-card%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22Best_CA_Credit_Cards%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%2231936c6f-33b5-4308-8574-aeb55121fc7f%22%2C%22category_name%22%3A%22Best%2Bcards%2B-%2BRewards%2Bcards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794152376%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%229289%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%2216182eb0-e8c7-4cdb-bc24-df5f5c2751cd%22%2C%22product_name%22%3A%22SimplyCash%2BPreferred%2BCard%2Bfrom%2BAmerican%2BExpress%22%2C%22post_id%22%3A%22724194%22%2C%22post_path%22%3A%22credit-cards%252Frewards-credit-cards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to American Express's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about SimplyCash Preferred Card from American Express\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"16182eb0-e8c7-4cdb-bc24-df5f5c2751cd\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-16182eb0-e8c7-4cdb-bc24-df5f5c2751cd\" value=\"16182eb0-e8c7-4cdb-bc24-df5f5c2751cd\" name=\"productID\" _productname=\"                            SimplyCash Preferred Card from American Express            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"16182eb0-e8c7-4cdb-bc24-df5f5c2751cd\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-16182eb0-e8c7-4cdb-bc24-df5f5c2751cd\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">The SimplyCash Preferred Card from American Express helps you earn rewards points fast. Earn a bonus 10% cash back on all purchases for your first 3 months (up to $2,000 in purchases). Plus, earn a $50 statement credit when you make a purchase in month 13. This could add up to $250 in bonus value in your first 13 months. The card also offers a suite of travel insurance benefits and exclusive offers on dining and entertainment. Just watch out for the annual fee of $119.88.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__16182eb0-e8c7-4cdb-bc24-df5f5c2751cd\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__16182eb0-e8c7-4cdb-bc24-df5f5c2751cd\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn a bonus 10% cash back on all purchases for your first 3 months (up to $2,000 in purchases). Plus, earn a $50 statement credit when you make a purchase in month 13. This could add up to $250 in bonus value in your first 13 months.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually), and 2% cash back on all other purchases.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEnjoy comprehensive travel insurance coverage\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tThis card has an annual fee of $119.88\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tWhen you spend overseas, you'll face a foreign transaction fee of 2.5%\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><h3 id=\"best-for-earning-accelerated-cash-back\" class=\"best-card__header\">Best for earning accelerated cash back<\/h3><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000-4\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-niche=\"caccf\" data-table-record-type=\"product\" data-rewards-campaign-names=\"scotiabank|gold|nov-2026~caccf\" data-rewards-component=\"template-products\"><tbody><tr data-product-id=\"433a7891-03de-440f-a886-a6eb42465eea\" data-provider-id=\"a27ab6c4-fb8f-4d55-bd26-eeb5240893fa\" data-product-name=\"Scotia Momentum Visa Infinite + Card \" data-provider-name=\"Scotiabank\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/69f4fb9e7aa7f.png\" alt=\"Scotia Momentum Visa Infinite + Card  image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/69f4fb9e7aa7f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/69f4fb9e7aa7f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/69f4fb9e7aa7f.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/69f4fb9e7aa7f.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/69f4fb9e7aa7f.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotia-momentum-visa-infinite-credit-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Scotia Momentum Visa Infinite + Card <\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        10% cash back<span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 12 months. And, pay no annual fee in the first year. &lt;b&gt;Apply by April 30, 2027.&lt;\/b&gt;\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        Up to 4% cash back <span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 4% cash back for every $1 spent on eligible grocery purchases &amp; recurring payments, 2% per $1 spent on eligible gas, daily transit purchases &amp; food delivery and 1% per $1 spent on everything else. Plus, get up to 7\u00a2\/L in value on fuel purchases at Shell stations\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $0 annual fee for the first year ($120 thereafter)\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n                Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 12 months. And, pay no annual fee in the first year. <b>Apply by April 30, 2027<\/b>. T&amp;Cs apply.\n            <\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"433a7891-03de-440f-a886-a6eb42465eea\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/scotia-momentum-visa-infinite-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22best-card%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22Best_CA_Credit_Cards%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%2231936c6f-33b5-4308-8574-aeb55121fc7f%22%2C%22category_name%22%3A%22Best%2Bcards%2B-%2BRewards%2Bcards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794152376%22%2C%22position%22%3A%224%22%2C%22offer_id%22%3A%2224028%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22433a7891-03de-440f-a886-a6eb42465eea%22%2C%22product_name%22%3A%22Scotia%2BMomentum%2BVisa%2BInfinite%2B%252B%2BCard%2B%22%2C%22post_id%22%3A%22724194%22%2C%22post_path%22%3A%22credit-cards%252Frewards-credit-cards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to Scotiabank's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Scotia Momentum Visa Infinite + Card \" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"433a7891-03de-440f-a886-a6eb42465eea\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-433a7891-03de-440f-a886-a6eb42465eea\" value=\"433a7891-03de-440f-a886-a6eb42465eea\" name=\"productID\" _productname=\"                            Scotia Momentum Visa Infinite + Card             \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"433a7891-03de-440f-a886-a6eb42465eea\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-433a7891-03de-440f-a886-a6eb42465eea\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 12 months. And, pay no annual fee in the first year. <b>Apply by April 30, 2027.<\/b> The card also offers a great suite of travel insurance benefits, an introductory balance transfer rate and exclusive offers on dining and entertainment \u2013 just watch out for the annual fee of $120.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__433a7891-03de-440f-a886-a6eb42465eea\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__433a7891-03de-440f-a886-a6eb42465eea\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on balance transfers for the first 12 months. And, pay no annual fee in the first year. <b>Apply by April 30, 2027<\/b><\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn 4% cash back for every $1 spent on eligible grocery purchases &amp; recurring payments, 2% per $1 spent on eligible gas, daily transit purchases &amp; food delivery and 1% per $1 spent on everything else. Plus, get up to 7\u00a2\/L in value on fuel purchases at Shell stations\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tGet comprehensive travel insurance coverage\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tThis card has an annual fee of $120\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tWhen you spend overseas, you'll face a foreign transaction fee of 2.5%\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><h3 id=\"best-rewards-card-for-earning-aeroplan-miles\" class=\"best-card__header\">Best rewards card for earning Aeroplan Miles<\/h3><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000-5\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-niche=\"caccf\" data-table-record-type=\"product\" data-rewards-campaign-names=\"scotiabank|gold|nov-2026~caccf\" data-rewards-component=\"template-products\"><tbody><tr data-product-id=\"d520749b-3d07-40a3-b3bf-8649ed017350\" data-provider-id=\"795613d6-853c-4c46-b357-d7499b9dafa4\" data-product-name=\"American Express Aeroplan Reserve Card\" data-provider-name=\"American Express\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-aeroplan-reserve-card-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5fa439ee92eed.png\" alt=\"American Express Aeroplan Reserve Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5fa439ee92eed.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5fa439ee92eed.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5fa439ee92eed.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5fa439ee92eed.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5fa439ee92eed.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-aeroplan-reserve-card-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">American Express Aeroplan Reserve Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        Up to 85,000 points<span class=\"table-popover\" rel=\"popover\" data-content=\"Earn up to 85,000 Aeroplan points. Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months. Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13. When you combine the Welcome Bonus offer of up to $1,700 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $1,760 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. &lt;b&gt;T&amp;Cs apply.&lt;\/b&gt;\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        Up to 3x points <span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1.25x the points on everything else.\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $599\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n                Earn up to 85,000 Aeroplan points. Plus, you could earn up to $4,400 in value within your first 13 months. T&amp;Cs apply.\n            <\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"d520749b-3d07-40a3-b3bf-8649ed017350\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/american-express-aeroplan-reserve-card-secure-ca.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22best-card%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22Best_CA_Credit_Cards%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%2231936c6f-33b5-4308-8574-aeb55121fc7f%22%2C%22category_name%22%3A%22Best%2Bcards%2B-%2BRewards%2Bcards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794152376%22%2C%22position%22%3A%225%22%2C%22offer_id%22%3A%229289%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22d520749b-3d07-40a3-b3bf-8649ed017350%22%2C%22product_name%22%3A%22American%2BExpress%2BAeroplan%2BReserve%2BCard%22%2C%22post_id%22%3A%22724194%22%2C%22post_path%22%3A%22credit-cards%252Frewards-credit-cards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to American Express's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about American Express Aeroplan Reserve Card\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"d520749b-3d07-40a3-b3bf-8649ed017350\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-d520749b-3d07-40a3-b3bf-8649ed017350\" value=\"d520749b-3d07-40a3-b3bf-8649ed017350\" name=\"productID\" _productname=\"                            American Express Aeroplan Reserve Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"d520749b-3d07-40a3-b3bf-8649ed017350\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-d520749b-3d07-40a3-b3bf-8649ed017350\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">The American Express Aeroplan Reserve Card offers a sizable welcome bonus along with a high return on Aeroplan points for $599 per year. Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1.25x the points on everything else. This card also comes with a full suite of travel insurance, which includes travel medical, common carrier, trip interruption or cancellation, baggage or flight delay and car rental insurance. You'll also enjoy special travel perks such as NEXUS discounts and free checked baggage with Air Canada.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__d520749b-3d07-40a3-b3bf-8649ed017350\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__d520749b-3d07-40a3-b3bf-8649ed017350\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn up to 85,000 Aeroplan points. Plus, you could earn up to $4,400 in value within your first 13 months\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1.25x the points on everything else.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tGet comprehensive travel insurance coverage and travel perks\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tThis card has a steep annual fee of $599\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tWhen you spend overseas, you'll face a foreign transaction fee of 2.5%\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><h3 id=\"best-rewards-credit-card-for-travel\" class=\"best-card__header\">Best rewards credit card for travel<\/h3><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000-6\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-niche=\"caccf\" data-table-record-type=\"product\" data-rewards-campaign-names=\"scotiabank|gold|nov-2026~caccf\" data-rewards-component=\"template-products\"><tbody><tr data-product-id=\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\" data-provider-id=\"795613d6-853c-4c46-b357-d7499b9dafa4\" data-product-name=\"American Express Cobalt Card\" data-provider-name=\"American Express\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/611af3f653608.png\" alt=\"American Express Cobalt Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">American Express Cobalt Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        15,000 points<span class=\"table-popover\" rel=\"popover\" data-content=\"Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That\u2019s up to $150 towards a weekend getaway or concert tickets.\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        Up to 5x points per $1 spent <span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 5x the points on eligible groceries, dining, drinks and food delivery in Canada (spend cap applies), 3x the points on eligible streaming subscriptions, 2x points on eligible ride shares, transit &amp; gas, 1x point for every other dollar spent and 1 extra point per dollar spent on eligible hotel and car rental bookings via the American Express Travel website (conditions apply).\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $191.88\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n                Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That\u2019s up to $150 towards a weekend getaway or shopping trip. T&amp;Cs apply.\n            <\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/american-express-cobalt-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22best-card%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22Best_CA_Credit_Cards%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%2231936c6f-33b5-4308-8574-aeb55121fc7f%22%2C%22category_name%22%3A%22Best%2Bcards%2B-%2BRewards%2Bcards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794152376%22%2C%22position%22%3A%226%22%2C%22offer_id%22%3A%229289%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%2285331120-bbda-48bc-b1ad-d0e17b8e76a5%22%2C%22product_name%22%3A%22American%2BExpress%2BCobalt%2BCard%22%2C%22post_id%22%3A%22724194%22%2C%22post_path%22%3A%22credit-cards%252Frewards-credit-cards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to American Express's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about American Express Cobalt Card\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-85331120-bbda-48bc-b1ad-d0e17b8e76a5\" value=\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\" name=\"productID\" _productname=\"                            American Express Cobalt Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-85331120-bbda-48bc-b1ad-d0e17b8e76a5\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">The American Express Cobalt Card offers a generous return on points for everyday purchases. You can collect  points for every dollar you spend on dining out plus 2 points for gas and transit purchases and 1 point for everything else. This card also comes with up to a 15,000 points welcome bonus if you spend a certain amount of money each month. You'll also get a full suite of travel insurance and purchase protection when you sign up.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__85331120-bbda-48bc-b1ad-d0e17b8e76a5\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__85331120-bbda-48bc-b1ad-d0e17b8e76a5\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That\u2019s up to $150 towards a weekend getaway or shopping trip.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn 5x the points on eligible groceries, dining, drinks and food delivery in Canada (spend cap applies), 3x the points on eligible streaming subscriptions, 2x points on eligible ride shares, transit &amp; gas, 1x point for every other dollar spent and 1 extra point per dollar spent on eligible hotel and car rental bookings via the American Express Travel website (conditions apply).\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tGet comprehensive travel insurance coverage and other travel perks\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tYou'll have to pay $191.88 per year to maintain this card\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tYou'll be charged a currency conversion rate of 2.5% when you spend overseas\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tMissed payments will be charged a penalty interest rate of 25.99% - 29.99%\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><h3 id=\"best-rewards-card-for-hotel-rewards\" class=\"best-card__header\">Best rewards card for hotel rewards<\/h3><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000-7\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-niche=\"caccf\" data-table-record-type=\"product\" data-rewards-campaign-names=\"scotiabank|gold|nov-2026~caccf\" data-rewards-component=\"template-products\"><tbody><tr data-product-id=\"4b3b4b43-b121-48b2-b026-9f79b2e17aba\" data-provider-id=\"795613d6-853c-4c46-b357-d7499b9dafa4\" data-product-name=\"Marriott Bonvoy American Express Card\" data-provider-name=\"American Express\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/marriott-bonvoy-american-express-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5c7624d6a5538.jpg\" alt=\"Marriott Bonvoy American Express Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5c7624d6a5538.jpg?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5c7624d6a5538.jpg?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5c7624d6a5538.jpg?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5c7624d6a5538.jpg?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5c7624d6a5538.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/marriott-bonvoy-american-express-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Marriott Bonvoy American Express Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        Up to 70,000 points<span class=\"table-popover\" rel=\"popover\" data-content=\"New cardmembers can earn up to 70,000 bonus Marriott Bonvoy points. Earn 60,000 bonus Marriott Bonvoy Points after you spend $3,000 on your card in your first 3 months of cardmembership. Plus, earn 10,000 points after you spend $500 on your card in your 13th month of cardmembership.\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        Up to 5x points per $1 spent <span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 5 points per $1 spent at hotels participating in Marriott Bonvoy, and 2 points per $1 spent elsewhere.\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $120\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n                Earn up to 70,000 bonus Marriott Bonvoy points. T&amp;Cs apply.\n            <\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"4b3b4b43-b121-48b2-b026-9f79b2e17aba\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/american-express-marriott-bonvoy-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22best-card%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22Best_CA_Credit_Cards%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%2231936c6f-33b5-4308-8574-aeb55121fc7f%22%2C%22category_name%22%3A%22Best%2Bcards%2B-%2BRewards%2Bcards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794152376%22%2C%22position%22%3A%227%22%2C%22offer_id%22%3A%229289%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%224b3b4b43-b121-48b2-b026-9f79b2e17aba%22%2C%22product_name%22%3A%22Marriott%2BBonvoy%2BAmerican%2BExpress%2BCard%22%2C%22post_id%22%3A%22724194%22%2C%22post_path%22%3A%22credit-cards%252Frewards-credit-cards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to American Express's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Marriott Bonvoy American Express Card\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"4b3b4b43-b121-48b2-b026-9f79b2e17aba\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-4b3b4b43-b121-48b2-b026-9f79b2e17aba\" value=\"4b3b4b43-b121-48b2-b026-9f79b2e17aba\" name=\"productID\" _productname=\"                            Marriott Bonvoy American Express Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"4b3b4b43-b121-48b2-b026-9f79b2e17aba\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-4b3b4b43-b121-48b2-b026-9f79b2e17aba\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">Experience discounts at a variety of luxurious hotel chains around the world with the Marriott Bonvoy American Express Card. Even though this card has an annual fee of $120, the rewards can quickly outpace the cost if you frequently visit Marriott Bonvoy hotels and their partners. The signup bonus alone is worth more than the annual fee of the card. New cardmembers can earn up to 70,000 bonus Marriott Bonvoy points. Earn 60,000 bonus Marriott Bonvoy Points after you spend $3,000 on your card in your first 3 months of cardmembership. Plus, earn 10,000 points after you spend $500 on your card in your 13th month of cardmembership.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__4b3b4b43-b121-48b2-b026-9f79b2e17aba\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__4b3b4b43-b121-48b2-b026-9f79b2e17aba\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn up to 70,000 bonus Marriott Bonvoy points.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn 5 points per $1 spent at hotels participating in Marriott Bonvoy, and 2 points per $1 spent elsewhere.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tAlthough this card has an annual fee, you can get up to 9 additional cards for $0\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tGet comprehensive travel insurance coverage and other travel perks\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tThis card comes with an annual fee of $120\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tAny missed payments will incur a penalty interest rate of 25.99% - 29.99% Variable\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tWhen you spend overseas, you'll face a foreign transaction fee of 2.5%\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><h3 id=\"best-no-annual-fee-rewards-credit-card\" class=\"best-card__header\">Best no annual fee rewards credit card<\/h3><table class=\"best-cards-table comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000-8\" data-has-sidepeek=\"true\" data-rendered-as=\"best-cards\" data-niche=\"caccf\" data-table-record-type=\"product\" data-rewards-campaign-names=\"scotiabank|gold|nov-2026~caccf\" data-rewards-component=\"template-products\"><tbody><tr data-product-id=\"925d3aaf-1216-44cf-b2d8-8d4014cb52c3\" data-provider-id=\"f64c9da3-c827-4b1d-b10d-f44627d2b161\" data-product-name=\"MBNA Rewards Platinum Plus Mastercard\" data-provider-name=\"MBNA\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-3  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/mbna\/mbna-rewards-platinum-plus-mastercard-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5e94a0f70bca6.jpg\" alt=\"MBNA Rewards Platinum Plus Mastercard image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5e94a0f70bca6.jpg?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5e94a0f70bca6.jpg?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5e94a0f70bca6.jpg?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5e94a0f70bca6.jpg?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5e94a0f70bca6.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/mbna\/mbna-rewards-platinum-plus-mastercard-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">MBNA Rewards Platinum Plus Mastercard<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        Up to 10,000 points<span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 4 points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases (up to $10,000 spend annually in the applicable category). Plus, get 5,000 bonus points ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening and 5,000 bonus points ($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        Up to 4 points per $1 spent <span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 2 points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases (up to $10,000 spend annually in the applicable category), and earn 1 point for every $1 spent on other eligible purchases.\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $0\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about MBNA Rewards Platinum Plus Mastercard\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"925d3aaf-1216-44cf-b2d8-8d4014cb52c3\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-925d3aaf-1216-44cf-b2d8-8d4014cb52c3\" value=\"925d3aaf-1216-44cf-b2d8-8d4014cb52c3\" name=\"productID\" _productname=\"                            MBNA Rewards Platinum Plus Mastercard            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"925d3aaf-1216-44cf-b2d8-8d4014cb52c3\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-925d3aaf-1216-44cf-b2d8-8d4014cb52c3\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><td class=\"best-card__container\"><div class=\"best-card__content\"><div class=\"why-we-like-it\"><h4 class=\"why-we-like-it__heading\">Why we like it<\/h4><p class=\"why-we-like-it__content\">The MBNA Rewards Platinum Plus Mastercard comes with no annual fee \u2013 but also offers a high earn rate. Earn 2 points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases (up to $10,000 spend annually in the applicable category), and earn 1 point for every $1 spent on other eligible purchases.<\/p><\/div><div class=\"pros-cons\"><button class=\"pros-cons__summary\" type=\"button\" aria-expanded=\"false\" aria-controls=\"pros-cons__925d3aaf-1216-44cf-b2d8-8d4014cb52c3\">\n\t\t\tPros &amp; cons\n\t\t\t<svg class=\"luna-icon pros-cons__indicator\" aria-hidden=\"true\"><use href=\"#chevron-down\"><\/use><\/svg><\/button><div class=\"pros-cons__details\" id=\"pros-cons__925d3aaf-1216-44cf-b2d8-8d4014cb52c3\"><div><h4 class=\"pros-cons__heading\">Pros<\/h4><ul class=\"pros-cons__list pros-cons__list--pros\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tEarn 2 points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases (up to $10,000 spend annually in the applicable category), and earn 1 point for every $1 spent on other eligible purchases.\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\t$0 annual fee\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><div><h4 class=\"pros-cons__heading\">Cons<\/h4><ul class=\"pros-cons__list pros-cons__list--cons\"><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tThis card comes with a 2.5% foreign transaction fee\n\t\t\t\t\t\t\t<\/li><li class=\"pros-cons__list-item\">\n\t\t\t\t\t\t\t\tNo travel insurance perks\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"CACCF\" data-rewards-component=\"compare-products\"><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How we chose the best rewards credit cards in Canada<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>We\u2019ve chosen the rewards credit cards on this page based on the providers available through Finder. These cards are not representative of the entire market. Our top rewards cards offer a high value of rewards points, miles or cash back, exclusive perks such as comprehensive travel insurance coverage, and a signup bonus. We\u2019ve also considered annual fees.<\/p><p>No single rewards card will be the best choice for everyone, so compare your options before picking your new card.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3 id=\"how\">How do rewards credit cards work?<\/h3><p>A rewards credit card lets you earn reward points or travel miles for every purchase you make on your card. While cashback is most often returned directly into your bank account or sent to you as a cheque in the mail, rewards points can typically be used a variety of ways. You might be able to use your points for travel, merchandise, statement credit, gift cards and more. Miles, on the other hand, can usually only be redeemed for travel or travel-related experiences.<\/p><p>Most basic cards let you earn between 0.5 and 1 point for every dollar you spend, while premium cards tend to offer between 1 and 3 points or miles per dollar. You may also earn a different number of reward points depending on what you buy and where you buy it.<\/p><p>For example, a travel card might let you earn a higher return on travel rewards when you book flights or stay at a hotel. An everyday card might offer a higher return on points for gas than restaurants purchases. With frequent flyer cards, you may also be able to earn a higher return on points or miles when you shop with partner stores.<\/p><h4>What happens when I want to redeem my points?<\/h4><p>When you\u2019ve collected enough points or miles, you can redeem them for rewards like travel, merchandise or gift cards. To do this, you usually just need to sign in to your online credit card account and follow the prompts browse their online store and redeem your points.<\/p><p>Just be aware that you may need to book your travel rewards on a third-party site. For example, you might be redirected to the booking site for a specific airline if you want to exchange frequent flyer miles. You could also be redirected to your provider\u2019s rewards catalogue to exchange your points for merchandise or gift cards.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 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<div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Find a card that rewards your spending habits<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"In 2022, I applied for an American Express Cobalt Card after comparing hundreds of credit cards on Finder. I was drawn to this card because I can earn accelerated rewards points in the categories I actually spend a lot of money in including groceries, restaurants and travel. Although the card has a monthly membership fee of $12.99, I\u2019ve found that I can easily offset this with the rewards points I earn.I previously had a no fee credit card from a Big Five bank and it took months to save up enough points to use toward statement credit or travel, but with my Amex I find I can use points on an almost monthly basis.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/ca\/author\/emmabalmforth\" itemprop=\"url\" target=\"_blank\">\n                        Emma Balmforth\n                                            <\/a>\n                                                    <div class=\"eeQuote__authorTitle\">Producer<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<h3 id=\"types\">The 6 types of rewards credit cards in Canada<\/h3><p>The type of reward credit card you pick will depend on factors like your eligibility and how you want to use your reward points. Rewards credit cards in Canada generally fall into one of the following five categories.<\/p><h4><b>1. Cashback<\/b><\/h4><p>You\u2019ll receive your rewards <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/cash-back-credit-cards\">in the form of cashback<\/a>, which you can usually redeem for statement credit or a deposit into your bank account. Some providers let you redeem your cashback directly towards travel, gift cards and merchandise.<\/p><h4><b>2. Travel<\/b><\/h4><p>Travel credit cards are a popular type of reward credit card, allowing Canadians to reach their travel goals more quickly. Travel cards work the same as other rewards cards \u2013 points you earn on everyday purchases can be redeemed for things like flights, car rentals or merchandise. Travel credit cards often come with airline-specific perks like priority boarding and free checked baggage. Travel credit card rewards programs generally fall into one of three categories:<\/p><ul class=\"list-1\"><li><strong>Bank-affiliated programs:<\/strong> The two big bank-affiliated travel rewards programs in Canada are the CIBC Aventura Rewards and <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rbc-credit-cards\/avion-credit-cards\">RBC Avion Rewards<\/a> programs. Both offer a selection of basic and premium travel rewards credit cards.<\/li><li><strong>Airline-affiliated programs:<\/strong> Probably the most well-known airline affiliated travel program in Canada is the Aeroplan Rewards program, which is owned by Air Canada. It currently partners with CIBC, TD and Amex to offer a wide range of <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/aeroplan-rewards-program\/aeroplan-credit-cards\">Aeroplan credit cards.<\/a><\/li><\/ul><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><h3>Credit cards accepted at major gas stations<\/h3><p>At all major gas station chains, you can use your credit card \u2014 whether it\u2019s a Visa, Mastercard or American Express. A notable exception is Costco gas stations, where you\u2019ll need to use a Mastercard, as this is the only credit card brand accepted at Costco.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Credit card type<\/th><th style=\"text-align: center;\" scope=\"col\">Petro-Canada<\/th><th style=\"text-align: center;\" scope=\"col\">Shell<\/th><th style=\"text-align: center;\" scope=\"col\">Canadian Tire<\/th><th style=\"text-align: center;\" scope=\"col\">Costco<\/th><th style=\"text-align: center;\" scope=\"col\">Esso<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Visa<\/td><td style=\"text-align: center;\">\u2705<\/td><td style=\"text-align: center;\">\u2705<\/td><td style=\"text-align: center;\">\u2705<\/td><td style=\"text-align: center;\">\u274c<\/td><td style=\"text-align: center;\">\u2705<\/td><\/tr><tr><td>Mastercard<\/td><td style=\"text-align: center;\">\u2705<\/td><td style=\"text-align: center;\">\u2705<\/td><td style=\"text-align: center;\">\u2705<\/td><td style=\"text-align: center;\">\u2705<\/td><td style=\"text-align: center;\">\u2705<\/td><\/tr><tr><td>American Express<\/td><td style=\"text-align: center;\">\u2705<\/td><td style=\"text-align: center;\">\u2705<\/td><td style=\"text-align: center;\">\u2705<\/td><td style=\"text-align: center;\">\u274c<\/td><td style=\"text-align: center;\">\u2705<\/td><\/tr><\/tbody><\/table><\/div><\/article><h4>3. Retail<\/h4><p>Retail credit cards offer benefits and rewards tied to a particular store. These retail cards allow you to earn rewards points when you pay for purchases, which you can use for in-store discounts or travel rewards. Keep in mind that sometimes you\u2019ll only be able to use your card with the affiliated company.<\/p><h4>4. Category-specific \u2014 Dining, entertainment, etc.<\/h4><p>You\u2019ll receive accelerated rewards when you use your card for a certain category, such as restaurants or streaming services. For example, you might receive 3% cash back for one category instead of 1%, which is the normal rewards rate for purchases. Some cards have spending caps for the highest rewards rates. Here are some examples:<\/p><ul class=\"list-1\"><li><b>Dining: <\/b><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-platinum-card\">The Platinum Card from American Express<\/a>. Earn 2 Membership Rewards points for every $1 spent on dining.<\/li><li><strong>Entertainment<\/strong>. <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scene-visa-credit-card\">Scotiabank Scene+ Visa Card<\/a>. Earn 2 for every $1 spent at Cineplex Entertainment theatres.<\/li><\/ul><h4>5. Hotel<\/h4><p>A hotel credit card offers bonus points when you spend with a certain hotel chain. You can often redeem points through the chain\u2019s rewards portal for hotel stays, travel packages, point transfers and more. Here are a few of our favorite hotel loyalty programs on the market. Usually, this card type also includes hotel-specific perks like loyalty-program upgrades and resort credits.<\/p><ul class=\"list-1\"><li><b>Here\u2019s an example:<\/b> The <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/marriott-bonvoy-american-express-card\">Marriott Bonvoy American Express Card<\/a> allows you to earn points towards the Marriott Bonvoy rewards program. Earn 5 points per $1 spent at hotels participating in Marriott Bonvoy, and 2 points per $1 spent elsewhere..<\/li><\/ul><h4>6. Business<\/h4><p>Get rewarded every time you spend money on business purchases such as office supplies, Internet costs or business trips. As a business owner, you may want to look for cards offering certain benefits like free additional cards for your employees, travel insurance and easy account monitoring.<\/p><ul class=\"list-1\"><li><b>Here\u2019s an example:<\/b> The <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-business-gold-rewards-card\">American Express Business Gold Rewards Card<\/a> helps you earn on your business expenses. Earn a welcome bonus of up to 70,000 Membership Rewards points in your first year. That's up to $700 in statement credits to reinvest in your business.<\/li><\/ul><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><h4>Types of loyalty programs<\/h4><ul><li><strong>Points program.<\/strong> Whenever you shop at a particular store, you get a certain number of points depending on how much you spend. These can be redeemed for some combination of rewards or discounts.<\/li><li><strong>Tiered rewards.<\/strong> The more you shop at a store, the higher the level of customer loyalty you reach and the more points you earn. For example, frequent flyer programs offer extra points and benefits for those who fly frequently.<\/li><li><strong>VIP membership.<\/strong> You can get special access to a company\u2019s discounted goods or services when you pay a small annual fee; for example, having a membership at a wholesale box store like Costco.<\/li><li><strong>Special perks.<\/strong> This loyalty program gives you fee-free perks for being a member. This could include freebies on your birthday or special coupons for discounts sent to your email.<\/li><\/ul><\/div><\/article><h3 id=\"compare\">Compare more rewards credit cards in Canada for 2026<\/h3><div class=\"content tableWithFilters\n         topFiltersEnabled\n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\" data-niche=\"CACCF\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div id=\"portal-table-top-filters-modal\"><\/div>\n\n<div class=\"contentWrapper tableWithFilters__contentWrapper\">\n    <div class=\"tableWithFilters__table content\">\n        <script type=\"text\/javascript\">\nwindow.rewardsConfigs = window.rewardsConfigs || {};\n    window.rewardsConfigs[\"scotiabank|gold|nov-2026~caccf\"] = {\"startDate\":\"2026-11-05T16:00:00.000Z\",\"endDate\":\"2026-12-31T04:59:59.000Z\",\"showVisaLogo\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"isTieredReward\":false,\"rewardCopy\":\"Join Finder then apply through Finder and get approved for a Scotiabank Gold American Express Card as a new Scotiabank customer to receive a $150 digital Visa gift card. 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solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg--large {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: left;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  \/* &#9472;&#9472; Responsive T&C: inline (inside pill) vs below (outside pill) &#9472;&#9472; *\/\n  .rewards-pill__tc--below {\n    display: none;\n  }\n\n  .rewards-pill__icon-svg--compact {\n    display: none;\n  }\n\n  @media (max-width: 960px) {\n    .rewards-pill__tc--inline {\n      display: none;\n    }\n\n    .rewards-pill__tc--below {\n      display: block;\n    }\n\n    \/* Swap to compact icon on mobile\/tablet *\/\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg--large {\n      display: none;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg--compact {\n      display: block;\n    }\n\n    \/* Revert pill to compact size when T&C moves outside *\/\n    .rewards-pill[data-show-tc=\"true\"] {\n      height: 24px;\n      padding: 0px 8px 0px 2px;\n      border-radius: 4px 20px 20px 20px;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n      border-radius: 4px 20px 20px 20px;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n      top: 55%;\n      left: 3%;\n      margin-top: -19px;\n      margin-left: -6px;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n      text-transform: uppercase;\n      font-size: 16px;\n      line-height: 24px;\n    }\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n  \/* Partner card (stacked rewards design) *\/\n  .rewards-pill__partner--large {\n    display: flex;\n    align-items: center;\n    gap: 2px;\n  }\n\n  .rewards-pill__partner--compact {\n    display: none;\n    align-items: center;\n    gap: 2px;\n  }\n\n  .rewards-pill__plus {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-size: 14px;\n    color: #232320;\n    z-index: 1;\n    line-height: 1;\n  }\n\n  .rewards-pill__partner-svg {\n    width: 68px;\n    height: 48px;\n    filter: drop-shadow(0px 0px 6.2px rgba(0, 0, 0, 0.15));\n  }\n\n  @media (max-width: 960px) {\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__partner--large {\n      display: none;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__partner--compact {\n      display: flex;\n    }\n  }\n\n<\/style><style>\n    .comparison-table__feature--offer.comparison-table__feature--offer-stacked {\n    display: flex;\n    flex-direction: column;\n  }\n\n    .comparison-table__feature.comparison-table__feature--reward-criteria {\n    padding-top: 16px;\n  }\n\n  .finder-reward-criteria,\n  .finder-reward-stack {\n    position: relative;\n    box-sizing: border-box;\n    width: 100%;\n    margin-top: 8px;\n  }\n\n  .finder-reward-criteria,\n  .finder-reward-stack__reward {\n    padding: 24px 16px 8px;\n    border: 1px solid #e6b40f;\n    border-radius: 12px;\n    background: linear-gradient(162deg, rgba(255, 210, 59, 0.5) 9.47%, rgba(255, 216, 53, 0.5) 16.17%, rgba(254, 218, 61, 0.5) 21.75%, rgba(254, 224, 83, 0.5) 29.57%, rgba(254, 234, 119, 0.5) 39.61%, rgba(253, 247, 169, 0.5) 50.78%, rgba(253, 255, 196, 0.5) 56.36%, rgba(253, 248, 172, 0.5) 58.59%, rgba(253, 238, 136, 0.5) 61.94%, rgba(254, 230, 105, 0.5) 65.29%, rgba(254, 224, 82, 0.5) 68.64%, rgba(254, 219, 65, 0.5) 73.1%, rgba(254, 216, 56, 0.5) 77.57%, rgba(255, 216, 53, 0.5) 83.15%, rgba(255, 210, 59, 0.5) 89.85%), #ffffff;\n  }\n\n  .comparison-table__feature--offer-stacked .finder-reward-stack {\n    display: flex;\n    flex-direction: column;\n    padding: 0;\n    background: none;\n    border: 0;\n  }\n\n  .finder-reward-stack__reward {\n    border-bottom-left-radius: 0;\n    border-bottom-right-radius: 0;\n  }\n\n  .finder-reward-stack__offer {\n    display: flex;\n    align-items: flex-start;\n    gap: 8px;\n    margin-top: -1px;\n    padding: 12px 16px;\n    border: 1px solid #e6b40f;\n    border-radius: 0 0 12px 12px;\n    background: #fff9e5;\n    color: #232320;\n    font-size: 14px;\n    line-height: 1.25;\n  }\n\n  .finder-reward-stack__offer .luna-icon {\n    --fill: #1dd751;\n    flex-shrink: 0;\n    width: 20px;\n    height: 20px;\n  }\n\n  .finder-reward-stack__plus {\n    display: block;\n    align-self: center;\n    box-sizing: border-box;\n    width: 20px;\n    height: 20px;\n    margin: -10px auto;\n    position: relative;\n    z-index: 2;\n    border-radius: 9999px;\n    border: 1px solid #e6b40f;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n  }\n\n    .finder-reward-stack__plus::before,\n  .finder-reward-stack__plus::after {\n    content: '';\n    position: absolute;\n    top: 50%;\n    left: 50%;\n    width: 8px;\n    height: 2px;\n    background: #092673;\n    transform: translate(-50%, -50%);\n  }\n\n  .finder-reward-stack__plus::after {\n    transform: translate(-50%, -50%) rotate(90deg);\n  }\n\n    .finder-reward-badge {\n    position: absolute;\n    top: -8px;\n    left: 12px;\n    z-index: 1;\n    display: inline-flex;\n    align-items: center;\n    gap: 2px;\n    box-sizing: border-box;\n    height: 24px;\n    padding: 0 10px 0 4px;\n    border: 1px solid #e6b40f;\n    border-radius: 12px 999px 999px 80px;\n    background: linear-gradient(148.12deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n  }\n\n  .finder-reward-badge .finder-reward-badge__card {\n    width: 44px;\n    height: 31px;\n    margin: -4px 0 -4px -10px;\n  }\n\n    .finder-reward-badge .finder-reward-badge__card text {\n    font: italic 900 10px 'Modern Era', Arial, Helvetica, sans-serif;\n  }\n\n    .finder-reward-badge__text {\n    text-box: trim-both cap alphabetic;\n    color: #092673;\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n\n  .finder-reward-criteria__text {\n    margin: 0;\n    color: #232320;\n    font-size: 14px;\n    line-height: 1.25;\n  }\n\n  .finder-reward-criteria__text strong {\n    font-weight: 700;\n  }\n\n    .finder-reward-criteria__tc,\n  .finder-reward-criteria__tc:visited {\n    color: inherit;\n    font-weight: inherit;\n    text-decoration: underline;\n    text-underline-position: auto;\n    white-space: nowrap;\n  }\n\n    @media (max-width: 600px) {\n        table.has-combined-column-header tr.mobile-two-columns td.comparison-table__feature.comparison-table__feature--offer-stacked,\n    table.has-combined-column-header tr.mobile-two-columns td.comparison-table__feature.comparison-table__feature--reward-criteria {\n      padding-left: 16px !important;\n      padding-right: 16px !important;\n    }\n  }\n\n  .finder-reward-stack,\n  .finder-reward-criteria {\n    text-align: left;\n  }\n<\/style><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000004\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"caccf\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"5\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"5\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"37\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-user-filters data-table-filter-presets=\"8875f7dd6e59ee4226f3bc930de75f963ebd4c3967d830b156a1a04bb86d8350\" data-table-record-type=\"product\" data-table-record-ids='[\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\",\"5ae93a81-6fcb-4c55-b1d4-a3b2064bc52c\",\"4f3ecaff-2455-4ea9-a8d3-e1837d011ef8\",\"884ed514-da14-4f30-a480-297dad67d7b4\",\"061f95ac-7190-492c-b98b-0d085d3d99bc\"]' data-total-data=\"5\" data-enable-top-filters=\"true\" data-gte-enabled-variants=\"table_share_pill_1\" data-total-product-count=\"37\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-rewards-campaign-names=\"scotiabank|gold|nov-2026~caccf\" data-rewards-component=\"template-products\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-4\"><th data-ajax-table-sorter-column=\"CACCF.PRODUCT.CACCF_BONUS_POINTS\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"bonus_points\">\n                                                        Bonus Points\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-mobile=\"hide\" data-desktop=\"hide\" data-ajax-table-sorter-column=\"PRODUCT.REWARDS.REWARD_PROGRAM\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"rewards_program\">\n                                                        Rewards Program\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"CACCF.PRODUCT.CACCF_PURCHASE_INTEREST_RATE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"purchase_interest_rate\">\n                                                        Purchase Interest Rate\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"CACCF.PRODUCT.CACCF_CASH_ADVANCE_RATE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"cash_advance_rate\">\n                                                        Cash Advance Rate\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"CACCF.PRODUCT.FEE_ANNUAL\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"annual_fee\">\n                                                        Annual Fee\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><\/tr><\/thead><tbody><tr data-product-id=\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\" data-provider-id=\"795613d6-853c-4c46-b357-d7499b9dafa4\" data-product-name=\"American Express Cobalt Card\" data-provider-name=\"American Express\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-6  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/611af3f653608.png\" alt=\"American Express Cobalt Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">American Express Cobalt Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Bonus Points\">\n                        15,000\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            \" data-mobile=\"hide\" data-desktop=\"hide\" data-sortvalue=\"Membership Rewards\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards Program\">\n                        Membership Rewards\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.caccf_purchase_interest_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchase Interest Rate\">\n                        21.99%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,caccf.product.caccf_cash_advance_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Cash Advance Rate\">\n                        21.99%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $191.88\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n                Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That\u2019s up to $150 towards a weekend getaway or shopping trip. T&amp;Cs apply.\n            <\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/american-express-cobalt-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22caccf-rewards-points%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22c053b3c7-3340-4658-b537-254a1b113c64%22%2C%22category_name%22%3A%22Rewards%2BCredit%2BCards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794152377%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%229289%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%2285331120-bbda-48bc-b1ad-d0e17b8e76a5%22%2C%22product_name%22%3A%22American%2BExpress%2BCobalt%2BCard%22%2C%22post_id%22%3A%22724194%22%2C%22post_path%22%3A%22credit-cards%252Frewards-credit-cards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to American Express's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about American Express Cobalt Card\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000006-85331120-bbda-48bc-b1ad-d0e17b8e76a5\" value=\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\" name=\"productID\" _productname=\"                            American Express Cobalt Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\"}'><label class=\"luna-label\" for=\"compare-product-0000000006-85331120-bbda-48bc-b1ad-d0e17b8e76a5\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"5ae93a81-6fcb-4c55-b1d4-a3b2064bc52c\" data-provider-id=\"a986f531-cda0-4772-b09a-fac68eadda11\" data-product-name=\"RBC Cash Back Mastercard\" data-provider-name=\"RBC\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-6  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rbc-credit-cards\/rbc-cash-back-mastercard-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6aea063c4abb9.png\" alt=\"RBC Cash Back Mastercard image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6aea063c4abb9.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6aea063c4abb9.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6aea063c4abb9.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6aea063c4abb9.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6aea063c4abb9.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rbc-credit-cards\/rbc-cash-back-mastercard-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">RBC Cash Back Mastercard<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Bonus Points\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            \" data-mobile=\"hide\" data-desktop=\"hide\" data-sortvalue=\"Cash back\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards Program\">\n                        Cash back\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.caccf_purchase_interest_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchase Interest Rate\">\n                        21.99%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,caccf.product.caccf_cash_advance_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Cash Advance Rate\">\n                        22.99% (21.99% for Quebec residents)\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $0\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n                Get 5% extra cash back on your first $2,000 in spend for 6 months. <strong>Apply by February 2, 2027.<\/strong>. T&amp;Cs apply.\n            <\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"5ae93a81-6fcb-4c55-b1d4-a3b2064bc52c\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/rbc-cash-back-mastercard-ca-credit-cards-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22caccf-rewards-points%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22c053b3c7-3340-4658-b537-254a1b113c64%22%2C%22category_name%22%3A%22Rewards%2BCredit%2BCards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794152377%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2221769%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%225ae93a81-6fcb-4c55-b1d4-a3b2064bc52c%22%2C%22product_name%22%3A%22RBC%2BCash%2BBack%2BMastercard%22%2C%22post_id%22%3A%22724194%22%2C%22post_path%22%3A%22credit-cards%252Frewards-credit-cards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to RBC's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about RBC Cash Back Mastercard\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"5ae93a81-6fcb-4c55-b1d4-a3b2064bc52c\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000006-5ae93a81-6fcb-4c55-b1d4-a3b2064bc52c\" value=\"5ae93a81-6fcb-4c55-b1d4-a3b2064bc52c\" name=\"productID\" _productname=\"                            RBC Cash Back Mastercard            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"5ae93a81-6fcb-4c55-b1d4-a3b2064bc52c\"}'><label class=\"luna-label\" for=\"compare-product-0000000006-5ae93a81-6fcb-4c55-b1d4-a3b2064bc52c\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"4f3ecaff-2455-4ea9-a8d3-e1837d011ef8\" data-provider-id=\"d2c47712-e4ff-4630-af29-f39e3997f320\" data-product-name=\"BMO eclipse rise Visa Card\" data-provider-name=\"BMO\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-6  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6567e8617cb63.png\" alt=\"BMO eclipse rise Visa Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6567e8617cb63.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6567e8617cb63.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6567e8617cb63.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6567e8617cb63.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6567e8617cb63.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-eclipse-rise-visa-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">BMO eclipse rise Visa Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Bonus Points\">\n                        25,000\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            \" data-mobile=\"hide\" data-desktop=\"hide\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards Program\"><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.caccf_purchase_interest_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchase Interest Rate\">\n                        21.99%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,caccf.product.caccf_cash_advance_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Cash Advance Rate\">\n                        23.99% (21.99% for Quebec residents)\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $0\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n                Get up to 25,000 welcome points and 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee. <strong>Apply by October 31, 2027.<\/strong> Plus, earn up to 5,000 bonus points every year. T&amp;Cs apply.\n            <\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"4f3ecaff-2455-4ea9-a8d3-e1837d011ef8\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/bmo-eclipse-rise-visa-card-ca-credit-cards-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22caccf-rewards-points%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22c053b3c7-3340-4658-b537-254a1b113c64%22%2C%22category_name%22%3A%22Rewards%2BCredit%2BCards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794152377%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2224251%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%224f3ecaff-2455-4ea9-a8d3-e1837d011ef8%22%2C%22product_name%22%3A%22BMO%2Beclipse%2Brise%2BVisa%2BCard%22%2C%22post_id%22%3A%22724194%22%2C%22post_path%22%3A%22credit-cards%252Frewards-credit-cards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to BMO's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about BMO eclipse rise Visa Card\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"4f3ecaff-2455-4ea9-a8d3-e1837d011ef8\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000006-4f3ecaff-2455-4ea9-a8d3-e1837d011ef8\" value=\"4f3ecaff-2455-4ea9-a8d3-e1837d011ef8\" name=\"productID\" _productname=\"                            BMO eclipse rise Visa Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"4f3ecaff-2455-4ea9-a8d3-e1837d011ef8\"}'><label class=\"luna-label\" for=\"compare-product-0000000006-4f3ecaff-2455-4ea9-a8d3-e1837d011ef8\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"884ed514-da14-4f30-a480-297dad67d7b4\" data-provider-id=\"a27ab6c4-fb8f-4d55-bd26-eeb5240893fa\" data-product-name=\"Scotiabank Gold American Express Card\" data-provider-name=\"Scotiabank\" data-rewards-campaign-name=\"scotiabank|gold|nov-2026~caccf\" data-should-show-rewards=\"true\" data-eligibility-criteria-shown=\"true\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-6  js-comparison-table__row   rewards--element-container\"><td class=\"comparison-table__name combined-column-header  rewards-row f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotiabank-gold-american-express-credit-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6984e5861a6ef.png\" alt=\"Scotiabank Gold American Express Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6984e5861a6ef.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6984e5861a6ef.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6984e5861a6ef.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6984e5861a6ef.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6984e5861a6ef.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\/scotiabank-gold-american-express-credit-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Scotiabank Gold American Express Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Bonus Points\">\n                        65,000\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            \" data-mobile=\"hide\" data-desktop=\"hide\" data-sortvalue=\"SCENE\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards Program\">\n                        SCENE\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.caccf_purchase_interest_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchase Interest Rate\">\n                        21.99%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,caccf.product.caccf_cash_advance_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Cash Advance Rate\">\n                        22.99%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $120\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer comparison-table__feature--offer-stacked sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper finder-reward-stack js-calculator-table-value\" data-heading=\"Default Offer\"><span class=\"finder-reward-badge\"><svg width=\"44\" height=\"31\" viewbox=\"0 0 44 31\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"rewards-pill__icon-svg finder-reward-badge__card\"><g clip-path=\"url(#pill_clip0_pill_compact_0000000007)\"><rect y=\"5.56738\" width=\"40\" height=\"25.2248\" rx=\"1.61564\" transform=\"rotate(-8 0 5.56738)\" fill=\"#2857FF\"><\/rect><path d=\"M20.897 2.22497C30.3741 0.893043 39.1368 7.49621 40.4687 16.9734C41.8007 26.4505 35.1975 35.2132 25.7203 36.5451C21.4981 37.1385 17.4196 36.1536 14.0749 34.0446C11.4411 36.9939 7.79204 39.0648 3.56982 39.6582C-5.90734 40.9901 -14.67 34.387 -16.002 24.9098L-18.4137 7.74972L20.897 2.22497ZM20.554 -0.215411L-21.1973 5.65234L-18.4426 25.2531C-18.2559 26.5813 -17.9353 27.8906 -17.4896 29.1448C-17.0548 30.3681 -16.4961 31.5532 -15.8289 32.6667C-15.1742 33.7597 -14.4085 34.7947 -13.5532 35.7431C-12.7065 36.6819 -11.7646 37.5443 -10.7538 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1.59314C30.8379 1.03233 29.632 0.581832 28.4009 0.253555C27.1466 -0.0809291 25.8534 -0.291272 24.5576 -0.372047C23.2292 -0.454812 21.8822 -0.402075 20.554 -0.215411Z\" fill=\"#214BFE\"><\/path><path d=\"M23.8385 17.2401C23.8288 16.8914 24.1147 16.6064 24.4638 16.6136C26.9443 16.6665 28.8169 14.4863 28.151 11.9285C27.9473 11.1418 27.4999 10.6612 26.9835 10.1609C26.7311 9.91722 26.7365 9.5027 27.0062 9.27628C29.903 6.8322 33.3932 7.98203 35.6878 10.8105C38.5012 14.2784 39.3834 20.067 37.6804 24.204C35.2952 29.9916 29.6166 30.2045 26.1863 25.1902C24.5972 22.8649 23.9104 20.0357 23.8413 17.2422L23.8385 17.2401Z\" fill=\"#214BFE\"><\/path><path d=\"M1.36248 20.3983C1.35268 20.0496 1.63862 19.7646 1.98769 19.7718C4.46824 19.8247 6.34083 17.6446 5.67496 15.0867C5.47126 14.3 5.0238 13.8194 4.50739 13.3191C4.255 13.0754 4.26048 12.6609 4.53014 12.4345C7.42694 9.9904 10.9171 11.1402 13.2117 13.9687C16.0252 17.4366 16.9073 23.2252 15.2044 27.3622C12.8191 33.1498 7.14051 33.3627 3.71022 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d=\"M22.8252 4.8209L23.3771 4.74333C23.43 4.73589 23.4815 4.76497 23.5023 4.81415C23.5365 4.8946 23.643 4.91094 23.7006 4.84496C23.7423 4.79726 23.7891 4.752 23.8413 4.70915C23.9488 4.62087 24.0801 4.56585 24.2349 4.5441C24.3616 4.52629 24.4754 4.53266 24.5762 4.56271C24.6402 4.58187 24.6733 4.65274 24.6505 4.71541L24.4173 5.35711C24.3968 5.41367 24.3373 5.44519 24.2788 5.43157C24.2211 5.4181 24.1559 5.41647 24.0831 5.4267C23.9397 5.44687 23.8226 5.51043 23.7325 5.61676C23.6422 5.72339 23.594 5.8728 23.5871 6.06508L23.5346 7.48898C23.5324 7.54613 23.4896 7.59372 23.4328 7.6017L22.7647 7.69559C22.6919 7.70582 22.6275 7.64778 22.63 7.57426L22.7236 4.93359C22.7256 4.87621 22.7686 4.82858 22.8254 4.82061L22.8252 4.8209Z\" fill=\"white\"><\/path><path d=\"M6.41567 10.0419C5.98602 10.1023 5.54792 10.0202 5.17029 9.81041C4.86486 10.1162 4.46662 10.3159 4.03696 10.3763C2.94773 10.5293 1.93705 9.76773 1.78397 8.6785L1.50635 6.70312L5.86069 6.09116C6.94992 5.93808 7.9606 6.69969 8.11368 7.78892C8.26677 8.87815 7.50516 9.88883 6.41593 10.0419L6.41567 10.0419Z\" fill=\"white\"><\/path><path d=\"M5.87924 6.22354C6.89699 6.0805 7.83792 6.78955 7.98096 7.8073C8.12399 8.82505 7.41495 9.76598 6.3972 9.90901C5.94381 9.97273 5.5058 9.86693 5.14663 9.64058C4.8638 9.95742 4.47189 10.1796 4.01849 10.2433C3.00074 10.3864 2.05981 9.67731 1.91678 8.65956L1.6578 6.81682L5.8795 6.2235M5.84196 5.95826L1.35498 6.58887L1.65124 8.69688C1.81462 9.8594 2.89326 10.672 4.05552 10.5086C4.48104 10.4488 4.87778 10.261 5.19315 9.9735C5.57555 10.1629 6.0087 10.2341 6.43422 10.1743C7.59674 10.0109 8.40932 8.93231 8.24598 7.77005C8.08263 6.60779 7.00396 5.79495 5.8417 5.9583L5.84196 5.95826Z\" fill=\"#232021\"><\/path><path d=\"M6.19491 7.83566C6.19386 7.79818 6.22455 7.76755 6.26203 7.76833C6.52835 7.77406 6.72936 7.53977 6.65782 7.26483C6.63594 7.18028 6.58789 7.12861 6.53244 7.07483C6.50534 7.04864 6.50592 7.00409 6.53487 6.97976C6.84584 6.71711 7.22057 6.84076 7.46697 7.1448C7.76909 7.51758 7.8639 8.13976 7.68114 8.58438C7.42515 9.20638 6.81548 9.22917 6.44711 8.69018C6.27646 8.44023 6.20267 8.13613 6.19521 7.83588L6.19491 7.83566Z\" fill=\"#232021\"><\/path><path d=\"M3.78134 8.17453C3.78028 8.13704 3.81098 8.10642 3.84845 8.1072C4.11477 8.11293 4.31578 7.87863 4.24425 7.6037C4.22237 7.51915 4.17432 7.46748 4.11887 7.4137C4.09177 7.38751 4.09235 7.34295 4.12129 7.31862C4.43226 7.05598 4.80699 7.17962 5.0534 7.48366C5.35552 7.85645 5.45033 8.47863 5.26756 8.92324C5.01157 9.54525 4.4019 9.56804 4.03353 9.02905C3.86288 8.77909 3.7891 8.475 3.78163 8.17475L3.78134 8.17453Z\" fill=\"#232021\"><\/path><path d=\"M39.3595 21.3505C40.1366 21.2413 40.8577 21.7847 40.9669 22.5618C41.0761 23.3389 40.5327 24.0599 39.7556 24.1691L39.7554 24.1692C39.4489 24.2122 39.1363 24.1537 38.8669 24.004C38.649 24.2221 38.3649 24.3646 38.0584 24.4077C37.2813 24.5169 36.5602 23.9735 36.451 23.1964L36.2529 21.7871L39.3595 21.3505ZM38.7838 22.344C38.608 22.1271 38.3407 22.0389 38.1188 22.2263C38.0982 22.2436 38.0978 22.2754 38.1171 22.2941C38.1567 22.3325 38.1909 22.3693 38.2065 22.4297C38.2576 22.6258 38.1142 22.793 37.9242 22.7889C37.8974 22.7883 37.8756 22.8102 37.8763 22.8369L37.8765 22.8371C37.8818 23.0513 37.9345 23.2682 38.0562 23.4466C38.319 23.8311 38.754 23.8148 38.9366 23.3711C39.067 23.0539 38.9994 22.61 38.7838 22.344ZM40.5056 22.1021C40.3298 21.8851 40.0624 21.7969 39.8406 21.9843C39.8199 22.0017 39.8195 22.0334 39.8388 22.0521C39.8784 22.0905 39.9127 22.1274 39.9283 22.1877C39.9793 22.3838 39.8359 22.551 39.6459 22.5469C39.6192 22.5463 39.5973 22.5682 39.598 22.5949L39.5982 22.5951C39.6036 22.8093 39.6562 23.0263 39.7779 23.2046C40.0408 23.5891 40.4757 23.5729 40.6584 23.1291C40.7888 22.8119 40.7211 22.368 40.5056 22.1021Z\" fill=\"url(#pill_paint1_pill_compact_0000000007)\"><\/path><\/g><defs><lineargradient id=\"pill_paint0_pill_compact_0000000007\" x1=\"25.2019\" y1=\"2.56791\" x2=\"36.7429\" y2=\"9.19153\" gradientunits=\"userSpaceOnUse\"><stop offset=\"0.18\" stop-color=\"#FFD23B\"><\/stop><stop offset=\"0.24\" stop-color=\"#FFD835\"><\/stop><stop offset=\"0.29\" stop-color=\"#FEDA3D\"><\/stop><stop offset=\"0.36\" stop-color=\"#FEE053\"><\/stop><stop offset=\"0.45\" stop-color=\"#FEEA77\"><\/stop><stop offset=\"0.55\" stop-color=\"#FDF7A9\"><\/stop><stop offset=\"0.6\" stop-color=\"#FDFFC4\"><\/stop><stop offset=\"0.62\" stop-color=\"#FDF8AC\"><\/stop><stop offset=\"0.65\" stop-color=\"#FDEE88\"><\/stop><stop offset=\"0.68\" stop-color=\"#FEE669\"><\/stop><stop offset=\"0.71\" stop-color=\"#FEE052\"><\/stop><stop offset=\"0.75\" stop-color=\"#FEDB41\"><\/stop><stop offset=\"0.79\" stop-color=\"#FED838\"><\/stop><stop offset=\"0.84\" stop-color=\"#FFD835\"><\/stop><stop offset=\"0.9\" stop-color=\"#FFD23B\"><\/stop><\/lineargradient><radialgradient id=\"pill_paint1_pill_compact_0000000007\" cx=\"0\" cy=\"0\" r=\"1\" gradientunits=\"userSpaceOnUse\" gradienttransform=\"translate(40.4043 24.2693) rotate(-172.006) scale(4.25594 5.99724)\"><stop offset=\"0.4\" stop-color=\"#EDEEF8\"><\/stop><stop offset=\"0.45\" stop-color=\"#F5F2E1\"><\/stop><stop offset=\"0.5\" stop-color=\"#F9CBD3\"><\/stop><stop offset=\"0.6\" stop-color=\"#DCECF6\"><\/stop><stop offset=\"0.7\" stop-color=\"#CAC5FE\"><\/stop><stop offset=\"0.9\" stop-color=\"#CBE9F3\"><\/stop><stop offset=\"1\" stop-color=\"#F9E9D0\"><\/stop><\/radialgradient><clippath id=\"pill_clip0_pill_compact_0000000007\"><rect y=\"5.56738\" width=\"40\" height=\"25.2248\" rx=\"1.61564\" transform=\"rotate(-8 0 5.56738)\" fill=\"white\"><\/rect><\/clippath><\/defs><\/svg><span class=\"finder-reward-badge__text\">$150 Reward<\/span><\/span><div class=\"finder-reward-stack__reward\"><p class=\"finder-reward-criteria__text\"><strong>Finder Rewards: <\/strong>Join Finder then apply through Finder and get approved for a Scotiabank Gold American Express Card as a new Scotiabank customer to receive a $150 digital Visa gift card. Ends 30 Dec 2026. <a class=\"finder-reward-criteria__tc\" href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-scotiabank-gold-american-express-card-reward-promotion-terms-and-conditions\" target=\"_blank\" rel=\"noopener noreferrer\">T&amp;Cs apply<\/a>.<\/p><\/div><span class=\"finder-reward-stack__plus\" aria-hidden=\"true\"><\/span><div class=\"finder-reward-stack__offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n            Earn up to $1,100 in first-year value, including up to 65,000 bonus Scene+ points. <b>Apply by January 3, 2027<\/b>. T&amp;Cs apply.\n        <\/span><\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"884ed514-da14-4f30-a480-297dad67d7b4\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/scotiabank-gold-american-express-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22caccf-rewards-points%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22c053b3c7-3340-4658-b537-254a1b113c64%22%2C%22category_name%22%3A%22Rewards%2BCredit%2BCards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794152377%22%2C%22position%22%3A%224%22%2C%22offer_id%22%3A%2224029%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22884ed514-da14-4f30-a480-297dad67d7b4%22%2C%22product_name%22%3A%22Scotiabank%2BGold%2BAmerican%2BExpress%2BCard%22%2C%22finder_reward%22%3A%221%22%2C%22finder_reward_campaign_name%22%3A%22scotiabank%257Cgold%257Cnov-2026%257Ecaccf%22%2C%22post_id%22%3A%22724194%22%2C%22post_path%22%3A%22credit-cards%252Frewards-credit-cards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall rewards--cta rewards--record-id-884ed514-da14-4f30-a480-297dad67d7b4 button--cta\" title=\"Go to Scotiabank's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Scotiabank Gold American Express Card\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"884ed514-da14-4f30-a480-297dad67d7b4\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000006-884ed514-da14-4f30-a480-297dad67d7b4\" value=\"884ed514-da14-4f30-a480-297dad67d7b4\" name=\"productID\" _productname=\"                            Scotiabank Gold American Express Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"884ed514-da14-4f30-a480-297dad67d7b4\"}'><label class=\"luna-label\" for=\"compare-product-0000000006-884ed514-da14-4f30-a480-297dad67d7b4\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"061f95ac-7190-492c-b98b-0d085d3d99bc\" data-provider-id=\"dd309337-1cc7-41b3-b99d-2c495fe53daa\" data-product-name=\"Neo Mastercard\" data-provider-name=\"Neo Financial\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-6  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/679da71a1bcc9.png\" alt=\"Neo Mastercard image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/679da71a1bcc9.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/679da71a1bcc9.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/679da71a1bcc9.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/679da71a1bcc9.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/679da71a1bcc9.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Neo Mastercard<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Bonus Points\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            \" data-mobile=\"hide\" data-desktop=\"hide\" data-sortvalue=\"Cash back\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards Program\">\n                        Cash back\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.caccf_purchase_interest_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchase Interest Rate\">\n                        19.99% - 29.99% (up to 24.99% in Quebec)\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,caccf.product.caccf_cash_advance_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Cash Advance Rate\">\n                        22.99% - 31.99% (up to 25.99% in Quebec)\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $0\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"061f95ac-7190-492c-b98b-0d085d3d99bc\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/neo-financial-credit-card-ca-credit-cards-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22caccf-rewards-points%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22c053b3c7-3340-4658-b537-254a1b113c64%22%2C%22category_name%22%3A%22Rewards%2BCredit%2BCards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794152377%22%2C%22position%22%3A%225%22%2C%22offer_id%22%3A%2223457%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22061f95ac-7190-492c-b98b-0d085d3d99bc%22%2C%22product_name%22%3A%22Neo%2BMastercard%22%2C%22post_id%22%3A%22724194%22%2C%22post_path%22%3A%22credit-cards%252Frewards-credit-cards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to Neo Financial's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Neo Mastercard\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"061f95ac-7190-492c-b98b-0d085d3d99bc\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000006-061f95ac-7190-492c-b98b-0d085d3d99bc\" value=\"061f95ac-7190-492c-b98b-0d085d3d99bc\" name=\"productID\" _productname=\"                            Neo Mastercard            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"061f95ac-7190-492c-b98b-0d085d3d99bc\"}'><label class=\"luna-label\" for=\"compare-product-0000000006-061f95ac-7190-492c-b98b-0d085d3d99bc\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer \"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"5\">Load More<\/button><div class=\"js-show-more-data_count-c053b3c7-3340-4658-b537-254a1b113c64 comparison-table__dataCount\">Showing\n\t\t\t5\n\t\t\tof\n\t\t\t37\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"CACCF\" data-rewards-component=\"compare-products\"><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<h3 id=\"who\">Who should consider getting a rewards credit card?<\/h3><div class=\"u-grid u-grid--alignStretch\"><div class=\"u-grid__col u-1\/2@s\"><article class=\"luna-card luna-card--border luna-card--stretch\"><div class=\"luna-card__block\"><h4>Consider getting a rewards card if you\u2019re\u2026<\/h4><ul class=\"list-10\"><li><b>Frequent spenders.<\/b> If you plan on using your credit card frequently, you can benefit with strong rewards.<\/li><li><b>Loyal customers.<\/b> If you do most of your shopping through a particular store, a retail card can reward you especially well versus a generic rewards card.<\/li><li><b>Cardholders who make regular payments.<\/b> Making timely payments is crucial if you wish to make the most of your rewards credit card. If you keep a balance on your card, you\u2019ll accrue interest that will eat into your rewards.<\/li><\/ul><\/div><\/article><\/div><div class=\"u-grid__col u-1\/2@s\"><article class=\"luna-card luna-card--border luna-card--stretch\"><div class=\"luna-card__block\"><h4>Consider NOT getting a rewards card if you\u2019re\u2026<\/h4><ul class=\"list-10\"><li><b>Someone in debt.<\/b> If you\u2019re in debt, consider a balance transfer card rather than a rewards card. It may be wise to avoid the temptation of earning rewards through additional spending.<\/li><li><b>Irregular spenders.<\/b> If you don\u2019t use your credit card regularly, it may not be worth paying the fees for a rewards card. This product type is only beneficial if the monetary value of your rewards exceeds the costs of the card.<\/li><\/ul><\/div><\/article><\/div><\/div><h3 id=\"pros\">What are the pros and cons of credit card rewards?<\/h3><p>What are the benefits of rewards credit cards? Are there any drawbacks? Check out the pros and cons before deciding if a rewards credit card is right for you.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Pros<\/h4><ul class=\"list-4\"><li><strong>Rewards for spending.<\/strong> You\u2019ll be able to earn rewards that you can redeem for travel, merchandise, gift cards and more.<\/li><li><strong>Additional benefits.<\/strong> Many cards offer a number of benefits, such as travel insurance, roadside assistance and mobile device protection if you pay an annual fee.<\/li><li><strong>Welcome bonus for signing up.<\/strong> You\u2019ll usually receive a large amount of reward points or miles just for signing up for a rewards card.<\/li><li><strong>Cards that suit your lifestyle.<\/strong> You can choose a card that will give you more points for the purchases you make the most, which means you\u2019ll earn more in the long run.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Cons<\/h4><ul class=\"list-13\"><li><b>Spending more than usual.<\/b> With the incentive of a reward to look forward to, some cardholders are tempted to make purchases for the sake of earning rewards. Remember that you\u2019ll need to repay the balance. Otherwise, the accumulated interest could outweigh the value you\u2019ve received from your rewards.<\/li><li><strong>Annual fees.<\/strong> Many rewards cards charge an annual fee for membership, so you\u2019ll need to make sure your rewards and benefits outweigh the costs.<\/li><li><strong>Rewards caps.<\/strong> Some providers put a cap on how many reward points you can earn at an accelerated rate, which means you\u2019ll miss out on getting the maximum return.<\/li><li><strong>Points can expire.<\/strong> In some cases, your reward points or miles may expire unexpectedly before you\u2019ve had a chance to redeem them.<\/li><li><strong>Low points value.<\/strong> Some cards offer a lower value for points than others, so you should look up the average return for the program you\u2019re interested in before signing up.<\/li><\/ul><\/div><\/div><h3>How to choose the best rewards credit card in Canada<\/h3><p>If you\u2019ve decided that a rewards credit card is the best fit for you, you should consider these factors while deciding which specific card you want.<\/p><ul><li><strong>Return on rewards.<\/strong> The first step is to work out which credit card points are worth the most. Think about how many reward points or miles you\u2019ll earn for every purchase and multiply this number by how much your points are worth on average. Choose the card that gives you the highest return and the highest value for your points.<\/li><li><strong>Welcome offers.<\/strong> <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\">Look for a card<\/a> that offers a large welcome bonus since this can often give you enough points to get hundreds of dollars worth of rewards.<\/li><li><strong>Benefits.<\/strong> Search for a card that offers a solid mix of benefits and perks that you\u2019ll actually use for a price you can afford. Benefits can include travel insurance, mobile device insurance, rental car insurance, roadside assistance and more.<\/li><li><strong>Annual fee.<\/strong> Find a low-fee card if you don\u2019t need many benefits, or search for a premium card that waives your first annual fee if you want extra perks and a higher return on points.<\/li><li><strong>Interest rates.<\/strong> Try to pick a card with a maximum interest rate of 19.99% for purchases and 21.99% for cash advances. If possible, aim for a lower interest rate to save money if you intend to keep an outstanding balance on your card.<\/li><li><strong>Other fees.<\/strong> Make sure to read your contract fully and pay attention to fees for services like cash advances, foreign transactions, and others. Look for a card that doesn\u2019t charge for the services you use regularly.<\/li><li><strong>Provider.<\/strong> When deciding on a rewards credit card, you can choose from many providers. These include big banks, digital banks and private companies. Look for a card from an establishment you trust, and make sure the rewards are tailored to your lifestyle.<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h4>How to calculate how much rewards points are worth<\/h4><p>If you\u2019re wondering how much your points or travel miles are worth for certain redemption options like merchandise or gift cards, you can follow these three simple steps to calculate the value of your points. Let\u2019s use a gift card as an example:<\/p><ol><li><b>Check how much the redemption option is worth.<\/b> For this example, we\u2019ll use a gift card worth $25.<\/li><li><b>Check how many points or miles you must trade for it.<\/b> Let\u2019s say you\u2019ll have to redeem 3,000 points to get the gift card.<\/li><li><b>Divide the redemption\u2019s monetary value by the number of points you must redeem.<\/b> In this case, you would divide the $25 gift card value by the 3,000 points needed to get it: $25 \/ 3,000 = 0.008.<\/li><\/ol><p>That means your points would be worth 0.8 cents apiece if you redeemed them for this gift card. That\u2019s less than the industry standard of 1 point = 1 cent, so redeeming your points for a gift card in this example is not such a great deal.<\/p><\/div><\/article><h3 id=\"maximize\">How to maximize your points with credit card rewards<\/h3><p>Once you decide to sign up for a rewards credit card, you can maximize the number of reward points or miles you earn by using these tricks:<\/p><ul class=\"list-2\"><li><strong>Pay an annual fee for a premium card.<\/strong> You\u2019ll get a higher return on rewards and a better mix of benefits when you pay an annual fee for a premium card.<\/li><li><strong>Spend more in your bonus-reward categories.<\/strong> Your card might offer accelerated rewards for certain purchase categories. If you have the option to choose those categories, make sure to choose ones for purchases you tend to make the most. For example, if your card pays 5% cash back on groceries, it\u2019s a no-brainer to use your card at the grocery store as much as you can.<\/li><li><strong>Avoid rewards caps.<\/strong> Avoid rewards caps on your monthly or annual spending limits to earn more reward points or miles if you intend to spend a lot of money on your card.<\/li><li><strong>Sign up for targeted rewards.<\/strong> Find rewards programs targeted towards the types of purchases you make the most (e.g. travel rewards for frequent flyers).<\/li><li><strong>Look for a welcome bonus.<\/strong> Search for a card with a generous welcome bonus or a special promotional offer to load up the points in your account right from the start.<\/li><li><strong>Keep an eye on expiration dates.<\/strong> Your points may expire if you don\u2019t use them within a certain time period, so make sure you know how long they\u2019ll be good for.<\/li><li><strong>Be mindful of excluded purchases.<\/strong> Some purchases aren\u2019t eligible for rewards, so you should look into your rewards program to find out where you stand to earn the most.<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h3>Is it worth using rewards points to pay off credit card debt?<\/h3><p>If you\u2019ve been steadily racking up credit card debt and have vowed to get back on track, you can likely redeem your rewards points for a statement credit and pay down some \u2013 or all \u2013 of your card balance. Credit card rewards, which include cashback, points and miles, can often be turned into statement credit that you can use to start hacking away at your debt.<\/p><p>How can I use reward points to pay off credit card debt?<br>Most rewards card providers allow you to redeem points for statement credit to your account. How this is done depends on your card but generally involves the following steps:<\/p><ol><li>Log on to your credit card account or your rewards account if they\u2019re separate.<\/li><li>Search for payback with points or rewards.<\/li><li>Select the number of points that you\u2019d like to redeem for statement credit.<\/li><li>Follow the prompts to complete your redemption.<\/li><\/ol><p>Once your redemption is processed, allow several business days for the credit to be added to your card account. The cash amount you redeemed should then lower your credit card balance.<\/p><h4>What other factors should I consider?<\/h4><p>Before using rewards points to pay off your credit card balance, make sure you consider the following details:<\/p><ul><li><strong>Point value.<\/strong> Depending on your rewards program, redeeming for statement credit may not give you the best value for your points. Compare the value of statement credit against other reward options and find out which type of redemption gives you the best value.<\/li><li><strong>Other cash redemption options.<\/strong> Compare the value of statement credit redemption with other options like gift cards. In some cases, you could get a $100 gift card for fewer points than a $100 statement credit would cost you.<\/li><li><strong>Miles credit cards.<\/strong> If you have a credit card that earns miles, you may not be able to redeem them directly for statement credit.<\/li><li><strong>Minimum payments.<\/strong> Statement credit is usually applied to your minimum monthly payment. This means you\u2019ll still need to pay at least the minimum amount listed on your statement to avoid penalties.<\/li><li><strong>Reward processing.<\/strong> Allow 2 to 30 days for your rewards or statement credit to appear in your account. Continue making payments to avoid interest and potential late penalties.<\/li><li><strong>Consider your long-term expenses.<\/strong> If you have an upcoming trip, use your points for travel to save money on airfare.<\/li><\/ul><\/div><\/article><h3 id=\"qualify\">Who can qualify for a rewards credit card in Canada?<\/h3><p>You should be able to qualify for a rewards credit card if you have a decent credit score. Just be aware that you may need to meet certain income amounts to be eligible for premium cards. Other criteria you may need to meet include the following:<\/p><ol><li>Be 18 years old or the age of majority in your province or territory.<\/li><li>Be a Canadian citizen or a permanent resident with a valid Canadian address and, in some cases, a SIN card.<\/li><li>Have a working bank account (this is sometimes not a requirement \u2013 it varies between providers).<\/li><li>Have an average credit score and not be struggling with bankruptcy or a consumer proposal.<\/li><\/ol><p>You\u2019ll also need to be willing to meet additional requirements put forth by your credit card provider to qualify in some cases. Learn more about choosing a card on the <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/credit-cards\/choose-credit-card.html\" target=\"_blank\" rel=\"noopener\">Government of Canada website<\/a>.<\/p><h3 id=\"apply\">How to apply for a rewards credit card<\/h3><p>You can follow these steps to apply for a rewards credit card in Canada:<\/p><ol><li><strong>Compare rewards credit cards.<\/strong> <a class=\"scroll\" href=\"#compare\">Compare the rewards credit cards on this table<\/a> available in Canada from a number of providers to find the best fit for your budget and lifestyle.<\/li><li><strong>Apply for the card of your choice.<\/strong> Visit the main site of the provider you\u2019re interested in to apply for the credit card of your choice.<\/li><li><strong>Fill out application details.<\/strong> Fill out personal details such as your full name, address, email and phone number to start your application.<\/li><li><strong>Submit to a credit check.<\/strong> Submit a personal credit check to get approved for the rewards credit card of your choice.<\/li><li><strong>Review final details.<\/strong> Look at the details of your contract and make sure you understand what type of reward points and benefits you\u2019ll get with your card.<\/li><li><strong>Click submit.<\/strong> Once you\u2019re ready to apply, click submit on your application or call your credit card provider directly to apply over the phone.<\/li><li><strong>Wait for your card to arrive.<\/strong> When your application is approved, your provider should send your card out in the mail or allow you to pick it up at a branch location.<\/li><\/ol><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><h3>What are charity credit cards?<\/h3><p>One of the easiest ways to deploy your spending for good is to get a charity credit card. There are different ways charity credit cards work, and it will usually depend on the type of credit card you have and the provider you choose.<\/p><ul><li>Affinity credit card providers will donate a percentage of your spending to the charity.<\/li><li>Some providers, such as BMO, allow you to donate reward points to a charity you select from their list.<\/li><\/ul><\/div><\/article><h3>Why you can trust Finder's credit card experts<\/h3>\n\n<div class=\"u-grid\">\n<div class=\"u-grid__col u-1\/2@s u-1\/4@m\">\n<div class=\"gridExample\"><center><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/07\/slashed-dollar-free-no-money-icon_5_150x150.png\" alt=\"slashed dollar sign\" width=\"72\" height=\"72\" class=\"aligncenter size-full wp-image-2839142\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/07\/slashed-dollar-free-no-money-icon_5_150x150.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/07\/slashed-dollar-free-no-money-icon_5_150x150.png?fit=216 216w\" sizes=\"(max-width: 216px) 100vw, 216px\" loading=\"lazy\"><\/center>\n<h4><center>We're free<\/center><\/h4>\nOur comparison tables are completely free to use. We link you directly to the lender's secure application page. Sometimes, we have exclusive offers that you won't find on any other site.\n<\/div>\n<\/div>\n<div class=\"u-grid__col u-1\/2@s u-1\/4@m\">\n<div class=\"gridExample\"><center><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/07\/star-ribbon-winner-icon_150x150.png\" alt=\"winner star ribbon\" width=\"72\" height=\"72\" class=\"aligncenter size-full wp-image-2839143\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/07\/star-ribbon-winner-icon_150x150.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/07\/star-ribbon-winner-icon_150x150.png?fit=216 216w\" sizes=\"(max-width: 216px) 100vw, 216px\" loading=\"lazy\"><\/center>\n<h4><center>We're experts<\/center><\/h4>\nSince 2018, we've researched 150+ cards and published hundreds of financial guides. Major media outlets like The Globe and Mail, BNN Bloomberg and the Financial Post have referenced our work.<\/div><\/div>\n<div class=\"u-grid__col u-1\/2@s u-1\/4@m\">\n<div class=\"gridExample\"><center><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/07\/waving-flag-independence-icon_2_150x150.png\" alt=\"independence flag\" width=\"71\" height=\"71\" class=\"aligncenter size-full wp-image-2839144\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/07\/waving-flag-independence-icon_2_150x150.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/07\/waving-flag-independence-icon_2_150x150.png?fit=213 213w\" sizes=\"(max-width: 213px) 100vw, 213px\" loading=\"lazy\"><\/center>\n<h4><center>We're independent<\/center><\/h4>\nWe're not owned by a bank or lender. That means our opinions are our own, and you can compare a wide selection of Canadian credit cards on Finder.\n<\/div><\/div>\n<div class=\"u-grid__col u-1\/2@s u-1\/4@m\">\n<div class=\"gridExample\"><center><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/07\/raised-hand-help-support-icon.png\" alt=\"person raising hand to help\" width=\"72\" height=\"72\" class=\"aligncenter size-full wp-image-2839145\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/07\/raised-hand-help-support-icon.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/07\/raised-hand-help-support-icon.png?fit=216 216w\" sizes=\"(max-width: 216px) 100vw, 216px\" loading=\"lazy\"><\/center>\n<h4><center>We're here to help<\/center><\/h4>\nWe've helped thousands of people compare offers and find a credit card. We'll never ask for your personal information. We're here to help you make a decision.<\/div>\n<\/div>\n<\/div><h3 id=\"bottom\">Bottom line<\/h3><p>There are plenty of rewards credit cards on the market for you to choose from. The best rewards credit cards can be particularly useful if you travel often or you would prefer to earn points that you can redeem for merchandise or gift cards. Learn more about how rewards credit cards work and compare providers to find the best deal.<\/p><div style=\"text-align: center;\"><a class=\"btn btn-masthead btn-success scroll\" href=\"#compare\">Compare rewards credit cards &amp; apply securely<\/a><\/div><h3 data-toc=\"false\">Best rewards credit cards FAQs<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000008\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000008\">\n                <span class=\"luna-accordion__title\">What is a rewards credit card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000008\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>A rewards credit card lets you earn rewards when you spend with your card. These rewards could be in the form of points you can redeem for things like travel and gift cards, cash back or in-store discounts.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000009\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000009\">\n                <span class=\"luna-accordion__title\">Should I switch credit cards to get more rewards?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000009\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>If the card you want to switch to offers a higher rate of points, miles or cash back, as well as more useful benefits, then it can be worth it to switch, depending on how much you spend each month. Remember that you'll want to consider other factors of the card, including the annual fee, APR and any additional fees. But if you are in the market for a new card, then it can pay to look around for a card with the best rewards program. Just make sure that you don't switch to a card that offers more points per $1 spent but a lower return when it comes to redeeming your points.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000010\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000010\">\n                <span class=\"luna-accordion__title\">What is the difference between a credit card and a rewards credit card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000010\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>All credit cards let you pay for purchases using credit. A rewards credit card is a type of credit card that lets you earn rewards when you pay for purchases using your card. Those rewards may be in the form of points that can be redeemed for other purchases or cash back.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000011\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000011\">\n                <span class=\"luna-accordion__title\">What's the difference between a cashback and a rewards credit card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000011\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Cashback cards will let you earn a certain percentage of cashback for every purchase you make. This can then be applied to your credit card statement to cut down on your upfront repayment costs. Rewards cards let you earn points that you can exchange for rewards such as travel, merchandise and gift cards.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000012\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000012\">\n                <span class=\"luna-accordion__title\">What are accelerated rewards with rewards credit cards?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000012\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Accelerated rewards are cash back, points or miles that you earn at a higher rate than the base rate.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000013\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000013\">\n                <span class=\"luna-accordion__title\">What are three potential rewards that credit card companies offer?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000013\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can use a rewards credit card to earn cash back on purchases, or to earn reward points you can redeem on travel, dining, entertainment and more.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000014\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000014\">\n                <span class=\"luna-accordion__title\">How much is 25,000 points on a credit card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000014\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The value of credit card reward points depends on what rewards you can redeem them for. To find out what your points are worth, check out our guide to calculating the value of credit card reward points.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000015\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000015\">\n                <span class=\"luna-accordion__title\">Can I transfer my credit card's reward points to another rewards program?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000015\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It depends on which card you have. Some will let you move reward points from one program to another while others lock your points in. You should contact your provider directly to find out whether you can move your points between programs or exchange them for cashback.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000016\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000016\">\n                <span class=\"luna-accordion__title\">What should I look for in the fine print when applying for rewards credit cards?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000016\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The fine print for your credit card tells you important details about your card. You may want to keep an eye out for information such as your annual fee, interest rates, how many rewards you can earn and when your points expire in the fine print to make sure you get the most out of your card.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000017\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000017\">\n                <span class=\"luna-accordion__title\">What if my application for a rewards credit card is denied?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000017\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Credit card applications are denied for a variety of reasons, including recent late payments and short employment history. You won't know the specific reason or reasons you've been denied until you contact your credit card provider directly.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000018\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000018\">\n                <span class=\"luna-accordion__title\">Do rewards credit cards come with other features?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000018\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, some rewards cards offer 0% intro APR period, travel insurance, luggage insurance, car rental collision damage waiver, travel credit and more.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000019\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000019\">\n                <span class=\"luna-accordion__title\">What is the best card to use while travelling?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000019\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>To find the best travel rewards card, you will need to compare factors such as eligible purchases, points earning rate, points caps, and card annual fees.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000020\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000020\">\n                <span class=\"luna-accordion__title\">Are travel rewards programs worth it?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000020\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It depends on how often you use your card and whether you like to travel regularly. If you're a frequent credit card user and you choose a card with a high points earning rate, you'll build a points balance quickly and be able to access a wide range of travel-related rewards. However, you'll also need to factor in the card's annual fee, plus make sure to pay your card off during the interest-free grace period to decide whether a travel rewards credit card is worth it.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000021\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000021\">\n                <span class=\"luna-accordion__title\">Should I get a rewards credit card that offers the same rate on all purchases? Or one with different rewards rates?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000021\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It depends on your spending. As a rule of thumb, get a tiered-rewards card only if you spend a lot in its bonus-reward categories. If your spending is dispersed throughout many categories, consider a flat-rate-rewards card instead.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000022\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000022\">\n                <span class=\"luna-accordion__title\">Why is it important to calculate redemption values for my rewards credit card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000022\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The value of rewards can be deceptive, especially if you earn points or miles.<\/p><p>Here's an example: Card A has a welcome offer of 150,000 points, and Card B has a welcome offer of 75,000 points.<\/p><p>It may seem like Card A has a more valuable welcome offer, but its points are worth only 0.5 cents apiece. Meanwhile, Card B's points are worth 1 cent each. When you do the math, both card's welcome offers are worth the same.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000023\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000023\">\n                <span class=\"luna-accordion__title\">Can I exchange my travel points for other types of rewards?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000023\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Some cards will allow you to use your travel rewards points to purchase merchandise, gift cards or other goods and services, as well as trade in your points for statement credit or cash back. Most Aeroplan cards won't allow you to exchange points for anything other than travel.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000024\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000024\">\n                <span class=\"luna-accordion__title\">Is there a limit to how many points I can earn with my rewards credit card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000024\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It depends on your card. Some credit card providers cap your earnings at a maximum amount of cashback or points earned per year. Read the fine print for any card you're interested in to see if there are points caps on your card.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000025\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000025\">\n                <span class=\"luna-accordion__title\">Why do most rewards credit cards come with annual fees?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000025\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>A lot of the best rewards credit cards in Canada come with annual fees so the card provider can offset the cost of the benefits you receive. You should make sure that you'll use your card on an ongoing basis to earn enough rewards to at least make up for the annual fee you're spending on your card.<\/p><p>The other option is to look for a no-annual-fee rewards credit card. One of the best $0 fee rewards card in Canada is the <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-credit-cards\/tangerine-money-back-credit-card\">Tangerine Money-Back Credit Card<\/a>, which offers up to 2% cashback on category-specific purchases.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Learn how to earn cash back, travel rewards and other perks with everyday purchases on a rewards credit card.<\/p>\n","protected":false},"author":474,"featured_media":1030970,"parent":15,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-masthead-two-column.php","meta":{"_yoast_wpseo_focuskw":"rewards credit card","_yoast_wpseo_title":"Best Rewards Credit Cards | Finder Canada","_yoast_wpseo_metadesc":"Earn cash back, points or miles and receive perks on everyday purchases with a rewards credit card. Compare and apply securely today.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"https:\/\/www.finder.com\/ca\/credit-cards\/rewards-credit-cards","_yoast_wpseo_opengraph-title":"Best Rewards Credit Cards | Finder Canada","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","post_is_fact_checked":"false","post_co_author":"846","post_co_author_date":"2026-10-14T11:43:24","post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"1275","post_editor_date":"","post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2024-01-26 08:33:15\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We added information on why you can trust Finder&#39;s credit card experts.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":""},"tags":[5440],"class_list":["post-724194","page","type-page","status-publish","has-post-thumbnail","hentry","tag-latest-1"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best Rewards Credit Cards | Finder Canada<\/title>\n<meta name=\"description\" content=\"Earn cash back, points or miles and receive perks on everyday purchases with a rewards credit card. 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Rewards cards let you earn points that you can exchange for rewards such as travel, merchandise and gift cards.\"}},{\"@type\":\"Question\",\"name\":\"What are accelerated rewards with rewards credit cards?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Accelerated rewards are cash back, points or miles that you earn at a higher rate than the base rate.\"}},{\"@type\":\"Question\",\"name\":\"What are three potential rewards that credit card companies offer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can use a rewards credit card to earn cash back on purchases, or to earn reward points you can redeem on travel, dining, entertainment and more.\"}},{\"@type\":\"Question\",\"name\":\"How much is 25,000 points on a credit card?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The value of credit card reward points depends on what rewards you can redeem them for. To find out what your points are worth, check out our guide to calculating the value of credit card reward points.\"}},{\"@type\":\"Question\",\"name\":\"Can I transfer my credit card's reward points to another rewards program?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on which card you have. Some will let you move reward points from one program to another while others lock your points in. You should contact your provider directly to find out whether you can move your points between programs or exchange them for cashback.\"}},{\"@type\":\"Question\",\"name\":\"What should I look for in the fine print when applying for rewards credit cards?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fine print for your credit card tells you important details about your card. You may want to keep an eye out for information such as your annual fee, interest rates, how many rewards you can earn and when your points expire in the fine print to make sure you get the most out of your card.\"}},{\"@type\":\"Question\",\"name\":\"What if my application for a rewards credit card is denied?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Credit card applications are denied for a variety of reasons, including recent late payments and short employment history. You won't know the specific reason or reasons you've been denied until you contact your credit card provider directly.\"}},{\"@type\":\"Question\",\"name\":\"Do rewards credit cards come with other features?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, some rewards cards offer 0% intro APR period, travel insurance, luggage insurance, car rental collision damage waiver, travel credit and more.\"}},{\"@type\":\"Question\",\"name\":\"What is the best card to use while travelling?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"To find the best travel rewards card, you will need to compare factors such as eligible purchases, points earning rate, points caps, and card annual fees.\"}},{\"@type\":\"Question\",\"name\":\"Are travel rewards programs worth it?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on how often you use your card and whether you like to travel regularly. If you're a frequent credit card user and you choose a card with a high points earning rate, you'll build a points balance quickly and be able to access a wide range of travel-related rewards. However, you'll also need to factor in the card's annual fee, plus make sure to pay your card off during the interest-free grace period to decide whether a travel rewards credit card is worth it.\"}},{\"@type\":\"Question\",\"name\":\"Should I get a rewards credit card that offers the same rate on all purchases? Or one with different rewards rates?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on your spending. As a rule of thumb, get a tiered-rewards card only if you spend a lot in its bonus-reward categories. If your spending is dispersed throughout many categories, consider a flat-rate-rewards card instead.\"}},{\"@type\":\"Question\",\"name\":\"Why is it important to calculate redemption values for my rewards credit card?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The value of rewards can be deceptive, especially if you earn points or miles. Here's an example: Card A has a welcome offer of 150,000 points, and Card B has a welcome offer of 75,000 points. It may seem like Card A has a more valuable welcome offer, but its points are worth only 0.5 cents apiece. Meanwhile, Card B's points are worth 1 cent each. When you do the math, both card's welcome offers are worth the same.\"}},{\"@type\":\"Question\",\"name\":\"Can I exchange my travel points for other types of rewards?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Some cards will allow you to use your travel rewards points to purchase merchandise, gift cards or other goods and services, as well as trade in your points for statement credit or cash back. Most Aeroplan cards won't allow you to exchange points for anything other than travel.\"}},{\"@type\":\"Question\",\"name\":\"Is there a limit to how many points I can earn with my rewards credit card?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on your card. Some credit card providers cap your earnings at a maximum amount of cashback or points earned per year. 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To find out what your points are worth, check out our guide to calculating the value of credit card reward points."}},{"@type":"Question","name":"Can I transfer my credit card's reward points to another rewards program?","acceptedAnswer":{"@type":"Answer","text":"It depends on which card you have. Some will let you move reward points from one program to another while others lock your points in. You should contact your provider directly to find out whether you can move your points between programs or exchange them for cashback."}},{"@type":"Question","name":"What should I look for in the fine print when applying for rewards credit cards?","acceptedAnswer":{"@type":"Answer","text":"The fine print for your credit card tells you important details about your card. You may want to keep an eye out for information such as your annual fee, interest rates, how many rewards you can earn and when your points expire in the fine print to make sure you get the most out of your card."}},{"@type":"Question","name":"What if my application for a rewards credit card is denied?","acceptedAnswer":{"@type":"Answer","text":"Credit card applications are denied for a variety of reasons, including recent late payments and short employment history. You won't know the specific reason or reasons you've been denied until you contact your credit card provider directly."}},{"@type":"Question","name":"Do rewards credit cards come with other features?","acceptedAnswer":{"@type":"Answer","text":"Yes, some rewards cards offer 0% intro APR period, travel insurance, luggage insurance, car rental collision damage waiver, travel credit and more."}},{"@type":"Question","name":"What is the best card to use while travelling?","acceptedAnswer":{"@type":"Answer","text":"To find the best travel rewards card, you will need to compare factors such as eligible purchases, points earning rate, points caps, and card annual fees."}},{"@type":"Question","name":"Are travel rewards programs worth it?","acceptedAnswer":{"@type":"Answer","text":"It depends on how often you use your card and whether you like to travel regularly. If you're a frequent credit card user and you choose a card with a high points earning rate, you'll build a points balance quickly and be able to access a wide range of travel-related rewards. However, you'll also need to factor in the card's annual fee, plus make sure to pay your card off during the interest-free grace period to decide whether a travel rewards credit card is worth it."}},{"@type":"Question","name":"Should I get a rewards credit card that offers the same rate on all purchases? Or one with different rewards rates?","acceptedAnswer":{"@type":"Answer","text":"It depends on your spending. As a rule of thumb, get a tiered-rewards card only if you spend a lot in its bonus-reward categories. If your spending is dispersed throughout many categories, consider a flat-rate-rewards card instead."}},{"@type":"Question","name":"Why is it important to calculate redemption values for my rewards credit card?","acceptedAnswer":{"@type":"Answer","text":"The value of rewards can be deceptive, especially if you earn points or miles. Here's an example: Card A has a welcome offer of 150,000 points, and Card B has a welcome offer of 75,000 points. It may seem like Card A has a more valuable welcome offer, but its points are worth only 0.5 cents apiece. Meanwhile, Card B's points are worth 1 cent each. When you do the math, both card's welcome offers are worth the same."}},{"@type":"Question","name":"Can I exchange my travel points for other types of rewards?","acceptedAnswer":{"@type":"Answer","text":"Some cards will allow you to use your travel rewards points to purchase merchandise, gift cards or other goods and services, as well as trade in your points for statement credit or cash back. Most Aeroplan cards won't allow you to exchange points for anything other than travel."}},{"@type":"Question","name":"Is there a limit to how many points I can earn with my rewards credit card?","acceptedAnswer":{"@type":"Answer","text":"It depends on your card. Some credit card providers cap your earnings at a maximum amount of cashback or points earned per year. Read the fine print for any card you're interested in to see if there are points caps on your card."}},{"@type":"Question","name":"Why do most rewards credit cards come with annual fees?","acceptedAnswer":{"@type":"Answer","text":"A lot of the best rewards credit cards in Canada come with annual fees so the card provider can offset the cost of the benefits you receive. You should make sure that you'll use your card on an ongoing basis to earn enough rewards to at least make up for the annual fee you're spending on your card. The other option is to look for a no-annual-fee rewards credit card. One of the best $0 fee rewards card in Canada is the Tangerine Money-Back Credit Card, which offers up to 2% cashback on category-specific purchases."}}]},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/bfddbe38fd9e7ed027d3bd4980d7384f","name":"Emma Balmforth","description":"Emma Balmforth is a producer at Finder. 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