Find The Best Cards For You

Credit Card Rewards Calculators

Use our credit card rewards calculators to find the best credit cards in Canada for earning rewards with your favorite programs based on your spend.

Welcome to the best credit card finder tool for calculating which credit cards will earn you the most points, miles, and cash back rewards.

Looking for a business card? Jump over to: Business Credit Card Rewards Calculator

I want to find the best

Personal Credit Cards

for

Click on a card to learn more about it through our partners -OR- use our rewards calculator to calculate total rewards and the cash value of the card based on your spend and how much you value card benefits, minus any annual fees. You can compare multiple cards side-by-side or pair cards to calculate rewards all together.

Cards are in order of intro bonus value which is based on our valuations. The database only has intro bonuses for partner and leading (aka "popular") credit cards.

FinlyWealth

You can apply through FinlyWealth to earn a cash rebate in addition to the card's current Intro Bonus!

Rewards Calculator: Which Credit Card Is Best For You?

Input your monthly and yearly spend into our calculator to get an idea of which credit cards will earn you the most rewards and best return on your spend.

Results include all the credit cards listed in the section above and will be sorted by either estimated card value or total rewards, with featured cards appearing first (if applicable).

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

Currency Controls

Currencies

Sections of the calculator allows you to choose a currency. You will be able to choose from the options below. If you want more options, add them!

Currency Conversions

This site's currency rates update once per hour. If you have a different exchange rate in mind for any of the added currencies, you can change the rate here.

Calculator Options

Year 1 or Year 2+?

Year 1 - Calculate how much you will earn in your first year of being a cardmember. Includes Intro Bonuses (if toggled on) and will use the free or reduced first year annual fees for any cards that have them.

Year 2+ - Calculate how much the card will be worth the 2nd year and onward. Automatically turns off intro bonuses and will ignore first year free/reduced annual fees.

Include Intro Bonuses?

If set to yes, intro bonuses will be included for a card's calculation ONLY IF you have met the monthly spend criteria based on what's entered into the tool.

Note: We do not have intro bonuses for all credit cards (mainly partners and popular credit cards), and we cannot calculate intro bonuses for some cards due to the complexity of some spend requirements.

Rewards Value

Input how much you value Rewards. This will be the value used in the calculator. Leave it blank if you want to use our valuation.

$0.0000 per point

Authorized Users

Some banks charge an additional fee to add family, friends, or employees to the credit card account. If you plan on adding authorized users to your credit card(s), you can enter that amount here.

Note: Some credit cards have a cap on how many authorized users you can add. While we do keep track of the fee structures, we do not keep track of caps. So be sure to check the rates and fees before applying.

Max of 100.

Income Maximum

Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household -AND- select the maximum income requirement you want listed in the results.

Income Type

Income Amount

Calculate Foreign Transaction Fees?

Many cards will charge you a foreign transaction fee when making purchases in a foreign currency. This is typically between 2.5% and 3% for most credit cards.

If set to yes, we will calculate the estimated fee for any spend entered into the calculator that is considered foreign. This amount will appear in the calculations as well.

Note: We do not have the foreign transaction fee rates for all credit cards.

Monthly/Yearly Spending

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Results Will Appear Here

No Results. This is usually due to:

There's no good card options based on the spend entered.
The calculator is having a brain-fart and is not calculating rewards properly.

Enter different values or try again later.

Results

Listed below are the results based on what was entered into the tool above. These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card.

They should be used for illustrative purposes only.

You can click on "Show Calculations" to see a breakdown of how the rewards were calculated, click on the card itself to learn more/apply through our partners (big thanks if you do!), or click on any of the other links to learn more about the card and it's rewards.

Note: Some of the calculations are rounded so it is possible that the estimated values may be off by a few points when added up.

FinlyWealth

You can apply through FinlyWealth to earn a cash rebate in addition to the card's current Intro Bonus!

About These Calculations

This tool uses our point/mile valuations, the intro bonuses we have in the database, and includes the maximum (calculable) bonuses for each card.

If you want to have control over these options and much more, slide over to our Rewards Credit Card Directory. It has a lot of advanced tools for diving deeper into calculating rewards.

Rewards Credit Card Directory & Calculator

Canada’s Top Travel Card – Over $1,300 in value the first 12 months.

Unlock up to $1,300 in travel perks in your first year with the Scotiabank Passport® Visa Infinite* Card.

No foreign transaction fees
3X Scene+ points on travel, dining & more
Lounge access & premium insurance
Limited Time: Apply through FinlyWealth & get a $120 cash rebate—making your first year of cardmembership FREE.

Learn more

Use Our Calculator To Maximize Your Rewards

Discover personalized credit card options that match your spending habits and maximizes your rewards.

View the highest offers from our partners and input your monthly and yearly spend amounts into our easy-to-use calculator to find the best credit card options for you!

Travel Cash Back Airline Hotel Rewards Business