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CREDIT CARDS IN CANADA

The right credit cards for your spending.

Find out which cards to keep, when to use them, and whether adding another is worth it.

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Free · No account · No bank connection

Travel and points

$3,000 a month · Quebec · Amex included

  • American Express Cobalt Card
  • Marriott Bonvoy American Express Card
  • BMO Ascend World Elite Mastercard
Estimated net value per year$904.56

Fees deducted: $461.88 · welcome bonuses excluded

Explore this strategy in detail

Example calculated on November 5, 2026 (source verification incomplete) — your result depends on your spending and province.

Choose how to get started

A strategy that fits your lifeAnswer the questionnaire with your spending and the cards you already have.Start my analysis Profiles to inspire your next moveExplore reference scenarios before personalizing your analysis.View strategies The right card in the right placeBrowse cards for groceries, restaurants, travel and other purchases.Compare cards Welcome offerNet bonus, year 1 +$835.00 Considering a new card?Review welcome bonuses, their conditions and their value after fees.See the best offers

A few answers before you start

Is it free?

Yes. The questionnaire is free and does not require an account.

Do I need to upload a statement?

No. You can enter your spending yourself. Importing is optional; the privacy policy explains how it is processed.

Understand how my data is handled
Do I need to apply for a new card?

No. You can compare options and keep your cards. Applications are made only with the issuer.

How are results determined?

They use your answers and published card data. The methodology explains assumptions and limitations; amounts are estimates.

See our methodology
Who is behind Futello?

Get clarity on your cards.

Start with your needs. Then choose what works for you.

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