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Mr. Loonie

Comparing 2 cards

Tims vs Wealthsimple Visa Infinite

At typical spending, Tims is worth $12 more in year one and $12 more every year after.

Worked out from each card’s fees, earn rates and welcome offer. How we work it out

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400

ATB Financial

Tims® Credit Card

Remove Tims

KOHO

Wealthsimple Visa Infinite card

Remove Wealthsimple Visa Infinite
What it’s worth to you
Better: $672
Year one
Better: Every year after $672

Cash back, counted at face value. Why we value Tims this way

Better: $660
Year one
Better: Every year after $660

Cash back, counted at face value. Why we value Wealthsimple Visa Infinite this way

Apply now with ATB Financial (opens in a new tab)
Apply now with KOHO (opens in a new tab)
We may earn a fee when you apply through these links. It never changes the numbers.

Lower is better here.

Annual fee
$0
$0
Foreign currency fee On purchases in another currency
2.5%
Better: 0%
Interest on purchases
20.99%
20.99%
Interest on cash advances
22.99%
22.99%
Cash advance fee
$2.50, $5.00 fee for cash advances outside of Canada.
Not listed
Source
Not listed
wealthsimple.comChecked Nov 8, 2026

Typical spending, $2,500 a month. Bigger is better.

Groceries $9,600 a year
Better: $480 5 points per $1
Better: $192 2% back (base rate)
Restaurants $3,000 a year
Better: $15 0.5 point per $1 (base rate)
Better: $60 2% back (base rate)
Gas $3,000 a year
Better: $150 5 points per $1
Better: $60 2% back (base rate)
Recurring bills $3,000 a year
Better: $15 0.5 point per $1 (base rate)
Better: $60 2% back (base rate)
Travel $1,800 a year
Better: $9 0.5 point per $1 (base rate)
Better: $36 2% back (base rate)
Everything else (base rate) $7,800 a year
Better: $39 0.5 point per $1
Better: $156 2% back
Foreign currency $1,800 a year
Better: $9 0.5 point per $1 (base rate)
Better: $36 2% back (base rate)
Total earned Before fees and the welcome offer
Better: $717
Better: $600
Foreign currency fee On the budget’s foreign spending. * Fee not listed, counted at the usual rate
Better: $45
Better: $0
Perks you’d use Lounge visits and cover, at what they cost on their own
Better: $0
Better: $60
Limits
None listed
None listed
Source
Not listed
wealthsimple.comChecked Nov 8, 2026

Extended warranty
Included
Included
Purchase protection
Included
Included
Mobile device
Not listed
Up to $1,000
Mobile wallets
Apple Pay, Google Pay
Not listed

Personal income Minimum the bank lists
Better: None listed
$80,000 a year
Household income Or this, instead of personal
Not listed
$150,000 a year
Network
Mastercard
Visa
Source
Not listed
wealthsimple.comChecked Nov 8, 2026

Quebec rules change some rates and fees.

Different in Quebec
Purchase rate: 20.99% to 24.99%. Cash advance rate: 22.99% to 25.99%.
Annual fee: billed once a year instead of monthly.

Mr. Loonie’s tip Look at every year after before year one. A big welcome offer pays once; the earn rates pay every month you keep the card.

Questions

How do you work out year one?

We add what each card earns at your spending, plus the part of the welcome offer you’d get, then take off the first year’s annual fee. Every year after leaves out the offer and uses the regular fee.

Can I compare more than two cards?

Yes, up to four. Tap Add a card above the table, or + Compare on any card page.

Do banks pay to appear here?

No. You pick the cards and the math decides the numbers. We may earn a fee when you apply through some links. That never changes a number.

Year one adds what each card earns at the spending you picked, plus the part of the welcome offer that spending reaches, then takes off the first year’s fee. Every year after leaves out the offer and uses the regular fee. Points are counted at the value shown under each card.

Sources, checked by us:

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 for the spending you picked, rounded to the nearest dollar.

Spot something wrong? We’ll check it with the bank. Suggest a correction

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