Issuer: American Express
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American Express Cobalt Card
Five points a dollar on restaurants, bars, coffee and groceries is the highest food earn rate in Canada, and Membership Rewards transfer to Aeroplan. Worth it if you eat out; not if you do not. $191.88 a year. 21.99% purchase APR.
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American Express Gold Rewards Card
A $250 fee for 2 points a dollar, when the Cobalt charges $192 for 5 on food. Hard to recommend unless you specifically want the travel credit and NEXUS rebate. $250 a year. 21.99% purchase APR.