Canada-wide

Credit Cards by Province and Territory

Ontario

Province or territory

Spending level

Moderate $2,000/month Standard $3,000/month High $5,000/month

Certified ranking

All-category Top 3 in Quebec

Complete basket of $24,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $448 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $440 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $420 / year

Annual fee
$100

Reference basket details — $24,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $5,600
Everyday purchases: $4,800
Pre-authorized payments: $4,000
Gas / charging: $2,400
Restaurants: $2,400
Transportation: $1,600
Entertainment: $1,600
Hotels: $800
Travel: $800
Total evaluated: $24,000

See the full ranking in Quebec Adapt to my spending

All cards in Quebec

Certified ranking

All-category Top 3 in Quebec

Complete basket of $36,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $732 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $720 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $680 / year

Annual fee
$100

Reference basket details — $36,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $8,400
Everyday purchases: $7,200
Pre-authorized payments: $6,000
Gas / charging: $3,600
Restaurants: $3,600
Transportation: $2,400
Entertainment: $2,400
Hotels: $1,200
Travel: $1,200
Total evaluated: $36,000

See the full ranking in Quebec Adapt to my spending

All cards in Quebec

Certified ranking

All-category Top 3 in Quebec

Complete basket of $60,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $1,300 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $1,280 / year

Annual fee
$120
#3 — Another excellent option

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $1,195 / year

Annual fee
$295

Reference basket details — $60,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $14,000
Everyday purchases: $12,000
Pre-authorized payments: $10,000
Gas / charging: $6,000
Restaurants: $6,000
Transportation: $4,000
Entertainment: $4,000
Hotels: $2,000
Travel: $2,000
Total evaluated: $60,000

See the full ranking in Quebec Adapt to my spending

All cards in Quebec

Certified ranking

All-category Top 3 in Ontario

Complete basket of $24,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $448 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $440 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $420 / year

Annual fee
$100

Reference basket details — $24,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $5,600
Everyday purchases: $4,800
Pre-authorized payments: $4,000
Gas / charging: $2,400
Restaurants: $2,400
Transportation: $1,600
Entertainment: $1,600
Hotels: $800
Travel: $800
Total evaluated: $24,000

See the full ranking in Ontario Adapt to my spending

All cards in Ontario

Certified ranking

All-category Top 3 in Ontario

Complete basket of $36,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $732 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $720 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $680 / year

Annual fee
$100

Reference basket details — $36,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $8,400
Everyday purchases: $7,200
Pre-authorized payments: $6,000
Gas / charging: $3,600
Restaurants: $3,600
Transportation: $2,400
Entertainment: $2,400
Hotels: $1,200
Travel: $1,200
Total evaluated: $36,000

See the full ranking in Ontario Adapt to my spending

All cards in Ontario

Certified ranking

All-category Top 3 in Ontario

Complete basket of $60,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $1,300 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $1,280 / year

Annual fee
$120
#3 — Another excellent option

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $1,195 / year

Annual fee
$295

Reference basket details — $60,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $14,000
Everyday purchases: $12,000
Pre-authorized payments: $10,000
Gas / charging: $6,000
Restaurants: $6,000
Transportation: $4,000
Entertainment: $4,000
Hotels: $2,000
Travel: $2,000
Total evaluated: $60,000

See the full ranking in Ontario Adapt to my spending

All cards in Ontario

Certified ranking

All-category Top 3 in British Columbia

Complete basket of $24,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $448 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $440 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $420 / year

Annual fee
$100

Reference basket details — $24,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $5,600
Everyday purchases: $4,800
Pre-authorized payments: $4,000
Gas / charging: $2,400
Restaurants: $2,400
Transportation: $1,600
Entertainment: $1,600
Hotels: $800
Travel: $800
Total evaluated: $24,000

See the full ranking in British Columbia Adapt to my spending

All cards in British Columbia

Certified ranking

All-category Top 3 in British Columbia

Complete basket of $36,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $732 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $720 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $680 / year

Annual fee
$100

Reference basket details — $36,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $8,400
Everyday purchases: $7,200
Pre-authorized payments: $6,000
Gas / charging: $3,600
Restaurants: $3,600
Transportation: $2,400
Entertainment: $2,400
Hotels: $1,200
Travel: $1,200
Total evaluated: $36,000

See the full ranking in British Columbia Adapt to my spending

All cards in British Columbia

Certified ranking

All-category Top 3 in British Columbia

Complete basket of $60,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $1,300 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $1,280 / year

Annual fee
$120
#3 — Another excellent option

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $1,195 / year

Annual fee
$295

Reference basket details — $60,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $14,000
Everyday purchases: $12,000
Pre-authorized payments: $10,000
Gas / charging: $6,000
Restaurants: $6,000
Transportation: $4,000
Entertainment: $4,000
Hotels: $2,000
Travel: $2,000
Total evaluated: $60,000

See the full ranking in British Columbia Adapt to my spending

All cards in British Columbia

Certified ranking

All-category Top 3 in Alberta

Complete basket of $24,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $448 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $440 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $420 / year

Annual fee
$100

Reference basket details — $24,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $5,600
Everyday purchases: $4,800
Pre-authorized payments: $4,000
Gas / charging: $2,400
Restaurants: $2,400
Transportation: $1,600
Entertainment: $1,600
Hotels: $800
Travel: $800
Total evaluated: $24,000

See the full ranking in Alberta Adapt to my spending

All cards in Alberta

Certified ranking

All-category Top 3 in Alberta

Complete basket of $36,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $732 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $720 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $680 / year

Annual fee
$100

Reference basket details — $36,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $8,400
Everyday purchases: $7,200
Pre-authorized payments: $6,000
Gas / charging: $3,600
Restaurants: $3,600
Transportation: $2,400
Entertainment: $2,400
Hotels: $1,200
Travel: $1,200
Total evaluated: $36,000

See the full ranking in Alberta Adapt to my spending

All cards in Alberta

Certified ranking

All-category Top 3 in Alberta

Complete basket of $60,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $1,300 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $1,280 / year

Annual fee
$120
#3 — Another excellent option

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $1,195 / year

Annual fee
$295

Reference basket details — $60,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $14,000
Everyday purchases: $12,000
Pre-authorized payments: $10,000
Gas / charging: $6,000
Restaurants: $6,000
Transportation: $4,000
Entertainment: $4,000
Hotels: $2,000
Travel: $2,000
Total evaluated: $60,000

See the full ranking in Alberta Adapt to my spending

All cards in Alberta

Certified ranking

All-category Top 3 in Manitoba

Complete basket of $24,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $448 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $440 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $420 / year

Annual fee
$100

Reference basket details — $24,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $5,600
Everyday purchases: $4,800
Pre-authorized payments: $4,000
Gas / charging: $2,400
Restaurants: $2,400
Transportation: $1,600
Entertainment: $1,600
Hotels: $800
Travel: $800
Total evaluated: $24,000

See the full ranking in Manitoba Adapt to my spending

All cards in Manitoba

Certified ranking

All-category Top 3 in Manitoba

Complete basket of $36,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $732 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $720 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $680 / year

Annual fee
$100

Reference basket details — $36,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $8,400
Everyday purchases: $7,200
Pre-authorized payments: $6,000
Gas / charging: $3,600
Restaurants: $3,600
Transportation: $2,400
Entertainment: $2,400
Hotels: $1,200
Travel: $1,200
Total evaluated: $36,000

See the full ranking in Manitoba Adapt to my spending

All cards in Manitoba

Certified ranking

All-category Top 3 in Manitoba

Complete basket of $60,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $1,300 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $1,280 / year

Annual fee
$120
#3 — Another excellent option

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $1,195 / year

Annual fee
$295

Reference basket details — $60,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $14,000
Everyday purchases: $12,000
Pre-authorized payments: $10,000
Gas / charging: $6,000
Restaurants: $6,000
Transportation: $4,000
Entertainment: $4,000
Hotels: $2,000
Travel: $2,000
Total evaluated: $60,000

See the full ranking in Manitoba Adapt to my spending

All cards in Manitoba

Certified ranking

All-category Top 3 in Saskatchewan

Complete basket of $24,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $448 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $440 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $420 / year

Annual fee
$100

Reference basket details — $24,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $5,600
Everyday purchases: $4,800
Pre-authorized payments: $4,000
Gas / charging: $2,400
Restaurants: $2,400
Transportation: $1,600
Entertainment: $1,600
Hotels: $800
Travel: $800
Total evaluated: $24,000

See the full ranking in Saskatchewan Adapt to my spending

All cards in Saskatchewan

Certified ranking

All-category Top 3 in Saskatchewan

Complete basket of $36,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $732 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $720 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $680 / year

Annual fee
$100

Reference basket details — $36,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $8,400
Everyday purchases: $7,200
Pre-authorized payments: $6,000
Gas / charging: $3,600
Restaurants: $3,600
Transportation: $2,400
Entertainment: $2,400
Hotels: $1,200
Travel: $1,200
Total evaluated: $36,000

See the full ranking in Saskatchewan Adapt to my spending

All cards in Saskatchewan

Certified ranking

All-category Top 3 in Saskatchewan

Complete basket of $60,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $1,300 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $1,280 / year

Annual fee
$120
#3 — Another excellent option

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $1,195 / year

Annual fee
$295

Reference basket details — $60,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $14,000
Everyday purchases: $12,000
Pre-authorized payments: $10,000
Gas / charging: $6,000
Restaurants: $6,000
Transportation: $4,000
Entertainment: $4,000
Hotels: $2,000
Travel: $2,000
Total evaluated: $60,000

See the full ranking in Saskatchewan Adapt to my spending

All cards in Saskatchewan

Certified ranking

All-category Top 3 in New Brunswick

Complete basket of $24,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $448 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $440 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $420 / year

Annual fee
$100

Reference basket details — $24,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $5,600
Everyday purchases: $4,800
Pre-authorized payments: $4,000
Gas / charging: $2,400
Restaurants: $2,400
Transportation: $1,600
Entertainment: $1,600
Hotels: $800
Travel: $800
Total evaluated: $24,000

See the full ranking in New Brunswick Adapt to my spending

All cards in New Brunswick

Certified ranking

All-category Top 3 in New Brunswick

Complete basket of $36,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $732 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $720 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $680 / year

Annual fee
$100

Reference basket details — $36,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $8,400
Everyday purchases: $7,200
Pre-authorized payments: $6,000
Gas / charging: $3,600
Restaurants: $3,600
Transportation: $2,400
Entertainment: $2,400
Hotels: $1,200
Travel: $1,200
Total evaluated: $36,000

See the full ranking in New Brunswick Adapt to my spending

All cards in New Brunswick

Certified ranking

All-category Top 3 in New Brunswick

Complete basket of $60,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $1,300 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $1,280 / year

Annual fee
$120
#3 — Another excellent option

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $1,195 / year

Annual fee
$295

Reference basket details — $60,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $14,000
Everyday purchases: $12,000
Pre-authorized payments: $10,000
Gas / charging: $6,000
Restaurants: $6,000
Transportation: $4,000
Entertainment: $4,000
Hotels: $2,000
Travel: $2,000
Total evaluated: $60,000

See the full ranking in New Brunswick Adapt to my spending

All cards in New Brunswick

Certified ranking

All-category Top 3 in Nova Scotia

Complete basket of $24,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $448 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $440 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $420 / year

Annual fee
$100

Reference basket details — $24,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $5,600
Everyday purchases: $4,800
Pre-authorized payments: $4,000
Gas / charging: $2,400
Restaurants: $2,400
Transportation: $1,600
Entertainment: $1,600
Hotels: $800
Travel: $800
Total evaluated: $24,000

See the full ranking in Nova Scotia Adapt to my spending

All cards in Nova Scotia

Certified ranking

All-category Top 3 in Nova Scotia

Complete basket of $36,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $732 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $720 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $680 / year

Annual fee
$100

Reference basket details — $36,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $8,400
Everyday purchases: $7,200
Pre-authorized payments: $6,000
Gas / charging: $3,600
Restaurants: $3,600
Transportation: $2,400
Entertainment: $2,400
Hotels: $1,200
Travel: $1,200
Total evaluated: $36,000

See the full ranking in Nova Scotia Adapt to my spending

All cards in Nova Scotia

Certified ranking

All-category Top 3 in Nova Scotia

Complete basket of $60,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $1,300 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $1,280 / year

Annual fee
$120
#3 — Another excellent option

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $1,195 / year

Annual fee
$295

Reference basket details — $60,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $14,000
Everyday purchases: $12,000
Pre-authorized payments: $10,000
Gas / charging: $6,000
Restaurants: $6,000
Transportation: $4,000
Entertainment: $4,000
Hotels: $2,000
Travel: $2,000
Total evaluated: $60,000

See the full ranking in Nova Scotia Adapt to my spending

All cards in Nova Scotia

Certified ranking

All-category Top 3 in Prince Edward Island

Complete basket of $24,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $448 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $440 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $420 / year

Annual fee
$100

Reference basket details — $24,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $5,600
Everyday purchases: $4,800
Pre-authorized payments: $4,000
Gas / charging: $2,400
Restaurants: $2,400
Transportation: $1,600
Entertainment: $1,600
Hotels: $800
Travel: $800
Total evaluated: $24,000

See the full ranking in Prince Edward Island Adapt to my spending

All cards in Prince Edward Island

Certified ranking

All-category Top 3 in Prince Edward Island

Complete basket of $36,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $732 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $720 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $680 / year

Annual fee
$100

Reference basket details — $36,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $8,400
Everyday purchases: $7,200
Pre-authorized payments: $6,000
Gas / charging: $3,600
Restaurants: $3,600
Transportation: $2,400
Entertainment: $2,400
Hotels: $1,200
Travel: $1,200
Total evaluated: $36,000

See the full ranking in Prince Edward Island Adapt to my spending

All cards in Prince Edward Island

Certified ranking

All-category Top 3 in Prince Edward Island

Complete basket of $60,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $1,300 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $1,280 / year

Annual fee
$120
#3 — Another excellent option

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $1,195 / year

Annual fee
$295

Reference basket details — $60,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $14,000
Everyday purchases: $12,000
Pre-authorized payments: $10,000
Gas / charging: $6,000
Restaurants: $6,000
Transportation: $4,000
Entertainment: $4,000
Hotels: $2,000
Travel: $2,000
Total evaluated: $60,000

See the full ranking in Prince Edward Island Adapt to my spending

All cards in Prince Edward Island

Certified ranking

All-category Top 3 in Newfoundland and Labrador

Complete basket of $24,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $448 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $440 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $420 / year

Annual fee
$100

Reference basket details — $24,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $5,600
Everyday purchases: $4,800
Pre-authorized payments: $4,000
Gas / charging: $2,400
Restaurants: $2,400
Transportation: $1,600
Entertainment: $1,600
Hotels: $800
Travel: $800
Total evaluated: $24,000

See the full ranking in Newfoundland and Labrador Adapt to my spending

All cards in Newfoundland and Labrador

Certified ranking

All-category Top 3 in Newfoundland and Labrador

Complete basket of $36,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $732 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $720 / year

Annual fee
$120
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $680 / year

Annual fee
$100

Reference basket details — $36,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $8,400
Everyday purchases: $7,200
Pre-authorized payments: $6,000
Gas / charging: $3,600
Restaurants: $3,600
Transportation: $2,400
Entertainment: $2,400
Hotels: $1,200
Travel: $1,200
Total evaluated: $36,000

See the full ranking in Newfoundland and Labrador Adapt to my spending

All cards in Newfoundland and Labrador

Certified ranking

All-category Top 3 in Newfoundland and Labrador

Complete basket of $60,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $1,300 / year

Annual fee
$120
#2 — Excellent alternative

CIBC Dividend Visa Infinite Card

CIBC · Visa

Net value
About $1,280 / year

Annual fee
$120
#3 — Another excellent option

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $1,195 / year

Annual fee
$295

Reference basket details — $60,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $14,000
Everyday purchases: $12,000
Pre-authorized payments: $10,000
Gas / charging: $6,000
Restaurants: $6,000
Transportation: $4,000
Entertainment: $4,000
Hotels: $2,000
Travel: $2,000
Total evaluated: $60,000

See the full ranking in Newfoundland and Labrador Adapt to my spending

All cards in Newfoundland and Labrador

Certified ranking

All-category Top 3 in Yukon

Complete basket of $24,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $448 / year

Annual fee
$120
#2 — Excellent alternative

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $420 / year

Annual fee
$100
#3 — Another excellent option

TD First Class Travel Visa Infinite Card

TD Canada Trust · Visa

Net value
About $333 / year

Annual fee
$139

Reference basket details — $24,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $5,600
Everyday purchases: $4,800
Pre-authorized payments: $4,000
Gas / charging: $2,400
Restaurants: $2,400
Transportation: $1,600
Entertainment: $1,600
Hotels: $800
Travel: $800
Total evaluated: $24,000

See the full ranking in Yukon Adapt to my spending

All cards in Yukon

Certified ranking

All-category Top 3 in Yukon

Complete basket of $36,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $732 / year

Annual fee
$120
#2 — Excellent alternative

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $680 / year

Annual fee
$100
#3 — Another excellent option

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $599 / year

Annual fee
$295

Reference basket details — $36,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $8,400
Everyday purchases: $7,200
Pre-authorized payments: $6,000
Gas / charging: $3,600
Restaurants: $3,600
Transportation: $2,400
Entertainment: $2,400
Hotels: $1,200
Travel: $1,200
Total evaluated: $36,000

See the full ranking in Yukon Adapt to my spending

All cards in Yukon

Certified ranking

All-category Top 3 in Yukon

Complete basket of $60,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $1,300 / year

Annual fee
$120
#2 — Excellent alternative

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $1,195 / year

Annual fee
$295
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $1,080 / year

Annual fee
$100

Reference basket details — $60,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $14,000
Everyday purchases: $12,000
Pre-authorized payments: $10,000
Gas / charging: $6,000
Restaurants: $6,000
Transportation: $4,000
Entertainment: $4,000
Hotels: $2,000
Travel: $2,000
Total evaluated: $60,000

See the full ranking in Yukon Adapt to my spending

All cards in Yukon

Certified ranking

All-category Top 3 in the Northwest Territories

Complete basket of $24,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $448 / year

Annual fee
$120
#2 — Excellent alternative

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $420 / year

Annual fee
$100
#3 — Another excellent option

TD First Class Travel Visa Infinite Card

TD Canada Trust · Visa

Net value
About $333 / year

Annual fee
$139

Reference basket details — $24,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $5,600
Everyday purchases: $4,800
Pre-authorized payments: $4,000
Gas / charging: $2,400
Restaurants: $2,400
Transportation: $1,600
Entertainment: $1,600
Hotels: $800
Travel: $800
Total evaluated: $24,000

See the full ranking in the Northwest Territories Adapt to my spending

All cards in the Northwest Territories

Certified ranking

All-category Top 3 in the Northwest Territories

Complete basket of $36,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $732 / year

Annual fee
$120
#2 — Excellent alternative

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $680 / year

Annual fee
$100
#3 — Another excellent option

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $599 / year

Annual fee
$295

Reference basket details — $36,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $8,400
Everyday purchases: $7,200
Pre-authorized payments: $6,000
Gas / charging: $3,600
Restaurants: $3,600
Transportation: $2,400
Entertainment: $2,400
Hotels: $1,200
Travel: $1,200
Total evaluated: $36,000

See the full ranking in the Northwest Territories Adapt to my spending

All cards in the Northwest Territories

Certified ranking

All-category Top 3 in the Northwest Territories

Complete basket of $60,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $1,300 / year

Annual fee
$120
#2 — Excellent alternative

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $1,195 / year

Annual fee
$295
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $1,080 / year

Annual fee
$100

Reference basket details — $60,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $14,000
Everyday purchases: $12,000
Pre-authorized payments: $10,000
Gas / charging: $6,000
Restaurants: $6,000
Transportation: $4,000
Entertainment: $4,000
Hotels: $2,000
Travel: $2,000
Total evaluated: $60,000

See the full ranking in the Northwest Territories Adapt to my spending

All cards in the Northwest Territories

Certified ranking

All-category Top 3 in Nunavut

Complete basket of $24,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $448 / year

Annual fee
$120
#2 — Excellent alternative

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $420 / year

Annual fee
$100
#3 — Another excellent option

TD First Class Travel Visa Infinite Card

TD Canada Trust · Visa

Net value
About $333 / year

Annual fee
$139

Reference basket details — $24,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $5,600
Everyday purchases: $4,800
Pre-authorized payments: $4,000
Gas / charging: $2,400
Restaurants: $2,400
Transportation: $1,600
Entertainment: $1,600
Hotels: $800
Travel: $800
Total evaluated: $24,000

See the full ranking in Nunavut Adapt to my spending

All cards in Nunavut

Certified ranking

All-category Top 3 in Nunavut

Complete basket of $36,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $732 / year

Annual fee
$120
#2 — Excellent alternative

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $680 / year

Annual fee
$100
#3 — Another excellent option

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $599 / year

Annual fee
$295

Reference basket details — $36,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $8,400
Everyday purchases: $7,200
Pre-authorized payments: $6,000
Gas / charging: $3,600
Restaurants: $3,600
Transportation: $2,400
Entertainment: $2,400
Hotels: $1,200
Travel: $1,200
Total evaluated: $36,000

See the full ranking in Nunavut Adapt to my spending

All cards in Nunavut

Certified ranking

All-category Top 3 in Nunavut

Complete basket of $60,000 a year · net value after fees, welcome offers excluded.

#1 — Futello top choice

Scotia Momentum Visa Infinite Card

Scotiabank Canada · Visa

Net value
About $1,300 / year

Annual fee
$120
#2 — Excellent alternative

Odyssey Visa Infinite Privilege

Desjardins · Visa

Net value
About $1,195 / year

Annual fee
$295
#3 — Another excellent option

Cash Back World Elite Mastercard

Desjardins · Mastercard

Net value
About $1,080 / year

Annual fee
$100

Reference basket details — $60,000 a year

A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.

Groceries: $14,000
Everyday purchases: $12,000
Pre-authorized payments: $10,000
Gas / charging: $6,000
Restaurants: $6,000
Transportation: $4,000
Entertainment: $4,000
Hotels: $2,000
Travel: $2,000
Total evaluated: $60,000

See the full ranking in Nunavut Adapt to my spending

All cards in Nunavut