See each card's real net value for your spending — use a quick estimate, enter your own amounts, or upload a statement.
Browse all 70 cards →Showing estimates based on average Canadian household spending (~$2,080/mo). Switch to for numbers tailored to you.
Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
| $24,960/yr spending | ★ Best value Scotiabank Gold American Express Card Scotiabank | American Express Cobalt Card American Express Canada | BMO eclipse Visa Infinite Card BMO | TD Aeroplan Visa Infinite Card TD |
|---|---|---|---|---|
| Card details | ||||
| Annual fee | $120/yr | $155.88/yr | $120/yr | $139/yr |
| Network | Amex | Amex | Visa | Visa |
| No foreign fee | ✓ Yes | ✗ No | ✗ No | ✗ No |
| Income required | None | None | $60k personal | $60k personal |
| Rewards on your spending | ||||
| 🛒Groceries | $360/yr | $360/yr | $241/yr | $162/yr |
| 💳General / Other | $60/yr | $60/yr | $40/yr | $90/yr |
| 🍽️Dining & Restaurants | $180/yr | $180/yr | $121/yr | $54/yr |
| ⚡Recurring Bills | $24/yr | $24/yr | $16/yr | $36/yr |
| 📦Online Shopping | $24/yr | $24/yr | $16/yr | $36/yr |
| ⛽Gas & Fuel | $54/yr | $18/yr | $60/yr | $41/yr |
| 🚌Transit & Rideshare | $29/yr | $19/yr | $32/yr | $14/yr |
| 📺Streaming & Subscriptions | $18/yr | $18/yr | $4/yr | $9/yr |
| Annual summary | ||||
| Gross rewards/yr | $749 | $703 | $531 | $442 |
| Annual fee | -$120 | -$155.88 | -$120 | -$139 |
| Net value/yr | $629 | $547 | $411 | $303 |
| Welcome bonus | $450 value (spend $2,000 in 90d) | $150 value (spend $3,000 in 90d) | $402 value (spend $3,000 in 90d) | $675 value |
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