One Card
The best all-around card by net value, with fees already deducted.
The displayed strategy and best picks match the active selections.
Reference strategies
Reference strategy: One Card
Your recommended cards
Scotia Momentum Visa Infinite Card
Scotiabank Canada
$36,000/year assigned to this card
Welcome offer included
View cardHow to use this strategy
Spending breakdown for the reference profile and the recommended card for each category.
$36,000per year
- Everyday purchases $9,600 Scotia Momentum Visa Infinite
- Groceries $8,400 Scotia Momentum Visa Infinite
- Pre-authorized payments $6,000 Scotia Momentum Visa Infinite
- Gas / charging $3,600 Scotia Momentum Visa Infinite
- Restaurants $3,600 Scotia Momentum Visa Infinite
- Transportation $2,400 Scotia Momentum Visa Infinite
- Entertainment $2,400 Scotia Momentum Visa Infinite
These amounts make up this scenario’s reference profile. Adapt them to receive a personalized strategy.
View calculation details Understand net value, fees, and each card’s contribution.
How this strategy’s value is built
The breakdown shows each card’s contribution. Applicable fees have already been deducted.
- Annual gross value
- $852
- Annual fees
- $120
- Annual net value
- $732
- Recurring net value
- $732
- Eligible offers
- $420
- First-year value
- $1,152
2-year total$1,884
3-year total$2,616
The first year includes offers earned during the first 12 months; subsequent years use recurring value.
Each card’s contribution
Each expense is assigned once to the card responsible for it.
Scotia Momentum Visa Infinite Card
Primary card
$36,000 in assigned spending
- Transportation
- Everyday purchases
- Entertainment
- Gas / charging
- Groceries
- Pre-authorized payments
- Restaurants
- Annual net contribution
- $732
- Offer — first 12 months
- $420
- First-year contribution
- $1,152
- Annual fee
- $120
Assumptions used
Strategy assumptions
$36,000/year
Standard
1 card max.
Priority: Maximum net value with one card