Market: CA
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TD Cash Back Visa Infinite Card
3% across five categories with a separate $15,000 cap on each, rather than one shared pot. Nobody realistically exhausts $75,000 of bonus spending, so this is effectively uncapped for a normal household. $139 a year. 21.99% purchase APR.
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TD Aeroplan Visa Infinite Card
The free first checked bag for you and up to eight companions is worth more than the fee if you fly Air Canada even twice a year. The earn rates are ordinary. $139 a year. 21.99% purchase APR.
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TD First Class Travel Visa Infinite Card
Six and eight points a dollar sounds enormous until you learn a TD Rewards point is worth half a cent. It is a 3% card with an Expedia lock-in. $139 a year. 21.99% purchase APR.
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TD Cash Back Visa Card
The no-fee version of TD’s cash back card, and it is a third of the card. 1% on five categories capped at $5,000 each, and 0.5% on everything else. No annual fee. 21.99% purchase APR.
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RBC Avion Visa Infinite Card
$120 a year for 1 point a dollar and 1.25 on travel, with no grocery, gas or dining bonus at all. The insurance is good. The earning is not. $120 a year. 20.99% purchase APR.
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RBC ION Plus Visa Card
Three points a dollar across five everyday categories for $48 a year. At RBC’s own one cent redemption rate that is 3% back, which almost nothing else at this price matches. $48 a year. 20.99% purchase APR.
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RBC Cash Back Mastercard
A free card with an earn structure that runs backwards. Non-grocery spending starts at 0.5% and rises to 1% after $6,000, while groceries start at 2% and fall to 1%. No annual fee. 20.99% purchase APR.
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WestJet RBC World Elite Mastercard
An annual companion voucher that flies someone with you from $119, plus a free checked bag. Worth it if WestJet is your airline and worth very little if it is not. $139 a year. 20.99% purchase APR.
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National Bank World Elite Mastercard
The only card here that covers travellers over 65 properly, with 15 days of medical cover up to age 75. The earning is crippled by a monthly cap most people will not notice until it bites. $150 a year. 20.99% purchase APR.
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National Bank ECHO Cashback Mastercard
National Bank states plainly that there is no minimum income, which is rare. The cash back is modest and the bonus rate is capped against your total spending rather than your grocery spending. $30 a year. 20.99% purchase APR.