Find the best credit card for your wallet — in 60 seconds
We compare 200+ Canadian credit cards on real earn rates, fees and perks — then show what each one is actually worth on the way you spend. No signup. No credit check. Just honest math.
Tell us how you spend. We'll do the math.
Start the quiz and know your best-suited card in about a minute.
Answer 4 quick questions
What you want from a card, and roughly what you spend each month. No account, no email, no credit check.
We rank every card on your numbers
Your spending runs through each card's real earn rates, so you get what that card would pay you — not a generic best-of list.
See the reasoning, then apply
Every match shows why it was picked and whether you're likely to qualify. Apply directly with the issuer.
Already know what you're after?
Jump straight to a category. Each tile opens the full list, filtered and ranked by score.
Can't decide between two cards?
Tick up to three on the browse page and see them lined up row by row — score, fees, rewards and perks, with the best value in each row marked.
| VISA TD TD Aeroplan Visa Infinite* Card | BMO BMO Blue Rewards World Elite Mastercard | Brim Financial Brim Mastercard | |
| PointsGenius score | 4.7 ✓ | 4.3 | 4.3 |
|---|---|---|---|
| Annual fee | $139 | $150 | $0 ✓ |
| Welcome value | $1,350 | $1,600 ✓ | $500 |
We show our work. Every number explained.
No bank owns us, no issuer pays for placement, and every card is measured with the same rubric.
We show our work
Every score breaks down into the four things it's built from. No black box.
Real dollars, not points
Every rewards programme is converted to what it's actually worth, so cards compare like for like.
No signup, no tricks
Free and instant. No email, no account, and we never run a credit check.
Straight from the source
Fees and rewards pulled from issuer sites, not copied from a stale blog post.
How a PointsGenius score is built
The same four inputs, weighted the same way, for every one of the 200+ cards we track.
Credit cards, explained simply
The best credit cards in Canada for 2026
We ranked every major Canadian card by real-dollar value across travel, cash back, and no-fee categories.
Read the guide → Cash backBest cash back credit cards in Canada
Which cards actually pay the most on groceries, gas, and bills.
Read the guide → TravelBest travel credit cards for 2026
Lounge access, no FX fees, and the biggest sign-up bonuses.
Read the guide →Still not sure which card is right?
Take the quiz and we'll rank every card on how you actually spend. Or line your shortlist up side by side.