Compare two credit cards side by side
Pick two cards. See what each one is worth to you in a year, then the fees, offers, earn rates and who can get them, row by row.
You can add a third and fourth card on the next page.
Cards people often compare
The pairs Canadians ask about most, picked by our editors. Numbers are year one at typical spending ($2,500 a month), after fees.
-
Food rewards or travel perks?
Amex Cobalt vs Amex Gold Rewards
Year one:
$1,651
vs
$1,885
-
Amex points or Scene+ points?
Amex Cobalt vs Scotiabank Gold Amex
Year one:
$1,651
vs
$1,825
-
Is Platinum worth the bigger fee?
Amex Gold Rewards vs Amex Platinum
Year one:
$1,885
vs
−$7
-
Everyday points or premium travel?
Amex Cobalt vs Amex Platinum
Year one:
$1,651
vs
−$7
-
Is the top Aeroplan tier worth it?
TD Aeroplan Visa Infinite vs TD Aeroplan Visa Infinite Privilege
Year one:
$1,896
vs
$1,498
-
Free card, or a small fee for more points?
RBC Ion Visa vs RBC Ion+ Visa
Year one:
$691
vs
$1,245
Show 6 more
-
Which Avion tier fits you?
RBC Avion Visa Platinum vs RBC Avion Visa Infinite
Year one:
$1,385
vs
$1,623
-
Flexible points or Aeroplan points?
CIBC Aventura Visa Infinite vs CIBC Aeroplan Visa Infinite
Year one:
$1,241
vs
$1,042
-
Bank points or airline points?
RBC Avion Visa Infinite vs TD Aeroplan Visa Infinite
Year one:
$1,623
vs
$1,896
-
Same Aeroplan points, which bank?
Amex Aeroplan vs TD Aeroplan Visa Infinite
Year one:
$1,270
vs
$1,896
-
Is the fee worth double the cash back?
Amex SimplyCash Preferred vs Amex SimplyCash
Year one:
$852
vs
$425
-
Pick your 2% categories, or partner offers?
Tangerine Money-Back vs Neo Mastercard
Year one:
$270
vs
$72
Close calls by type of card
The three cards at the top of our Rewards list, paired. Ranked by year one at typical spending, after fees.
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RBC Avion Visa Infinite Business vs TD Aeroplan Visa Business
Year one:
$2,033
vs
$2,018
-
RBC Avion Visa Infinite Business vs TD Aeroplan Visa Infinite
Year one:
$2,033
vs
$1,896
-
TD Aeroplan Visa Business vs TD Aeroplan Visa Infinite
Year one:
$2,018
vs
$1,896
What you get on a comparison
Every pair has its own page. For example: American Express Cobalt™ vs American Express® Gold Rewards Card.
- What each card is worth to you Year one and every year after, for light, typical and big spending, or your own amounts.
- The welcome offer, counted fairly How much of it you'd get at your spending, and what spending it needs.
- Earn rates and caps Groceries, gas, dining, bills and everything else, with the limits.
- Fees and interest Annual fee, interest rates, foreign currency fee, cash advance costs.
- Who can get it Income, credit score and residency rules, side by side.
- Sources and checked dates Each number links to where it came from.
Mr. Loonie’s tip Compare the card in your wallet with the one you're eyeing. If every year after is close, the welcome offer is doing all the work.
Questions
How many cards can I compare?
Up to four. Pick two here, then add more on the comparison page. You can also tap + Compare on any card page or in the cards list.
Do banks pay to appear here?
No. Our editors pick the pairs, and the close calls come from our lists. We may earn a fee when you apply through some links on card pages. That never changes the numbers.
What spending do you use?
Typical is $2,500 a month: $800 on groceries, $250 each on dining, gas and bills, $150 on travel and $650 on everything else. The comparison page also shows light and big spending, or your own amounts.
Why year one and every year after?
Year one includes the welcome offer you'd actually get. Every year after is what the card keeps paying once the offer is gone.
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates at typical spending ($2,500 a month), rounded to the nearest dollar.
Spot something wrong? We’ll check it with the bank. Suggest a correction