Shorter lists, each ranked on one thing. Every figure comes from the issuer’s own published pages, and a card that publishes nothing on what a list ranks by is not in that list rather than being given a zero.
- Best cash back credit cards in Canada32 comparedCash back is the only reward that cannot be devalued. A point is worth what the issuer decides it is worth this year, and a dollar is worth a dollar, which is why a cash back card that pays slightly less can still be the better card.
- Best travel credit cards in Canada28 comparedA travel card earns its fee on two things most comparisons treat as footnotes: what the foreign transaction fee costs you, and whether the insurance is the kind you would actually claim on. The points are the part everyone reads and the smallest part of the answer.
- Best student credit cards in Canada10 comparedOnly two Canadian banks issue a card whose terms are genuinely different for students. Everyone else markets an ordinary card on a page with the word student on it. Both kinds are here, under their real names, because what matters is the terms rather than the marketing.
- Best no annual fee credit cards in Canada44 comparedA free card is not the same as a cheap card. The fee is the number people compare and the interest rate is the number that costs them money, so this list ranks on what the card returns rather than on the fact that it costs nothing.
- Canadian credit cards with no foreign transaction fee5 comparedAlmost every Canadian card adds 2.5% to anything bought in another currency, including things bought online from a Canadian looking website that bills in US dollars. The cards on this page do not. It is the shortest list on the site and the easiest saving to calculate.
- Best credit cards for groceries in Canada80 comparedGroceries are the largest category of ordinary spending for most households, which makes the grocery rate the single number most worth getting right. This page ranks on the real return, so a card paying points is converted at what we say those points are worth rather than at the number on the marketing page.
None of these ask what you spend. The comparison does, and it reranks every card on your own numbers, which is a different answer from any list written in advance.