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Two very different travel philosophies — flexibility (Avion) vs. lounge + credits (Platinum).

Cobalt wins on point value; Eclipse wins on Visa acceptance and gas coverage.

Passport wins on FX; Avion wins on transfer partners.

Gold has a bigger welcome bonus; Cobalt earns more every month afterward.

No annual fee vs 5% grocery. Different wallets, different winners.

MBNA offers 5x on Mastercard's wider network; Cobalt earns more per point via Aeroplan.

The Cobalt earns the highest grocery + dining rate in Canada, but the monthly fee and Amex acceptance change who it fits.

A flexible mid-tier Amex with a strong welcome bonus and Aeroplan transfer partners.

The Platinum's value hinges on lounge access and credits — not everyday earn.

The strongest no-FX 5x earn in Canada, on the Amex network.

A no-FX Visa with lounge access — rare combo in Canada.

One of the two flagship Aeroplan cards in Canada.

CIBC's take on the flagship Aeroplan Visa Infinite.

The flexible any-airline alternative to Aeroplan.

Best grocery cashback Mastercard in Canada — and it works at Costco.

The no-fee cashback Mastercard Canadians use for US-dollar spend.

Our top overall picks across the most common Canadian wallets.

The best cards for restaurants, food delivery, and takeout.

The short list of Canadian cards without foreign transaction fees.

Which cards get you into lounges — and how many visits.

Stack a 5x grocery card with PC Optimum for maximum value.

Any 5x grocery card works — stack with Moi Rewards where offered.

Scene+ is Sobeys' loyalty program — a Scotia card stacks well.

No Frills is part of Loblaw — same PC Optimum stacking applies.

Cobalt earns 5x on Uber Eats (dining); Platinum earns 3x on delivery.

Any 5x dining card earns big on DoorDash.

Bonvoy points shine when you use the free-night certificate or transfer to Aeroplan.

WestJet dollars are 1:1 cash toward flights — no complex award chart.

PC Optimum stacks on top of any credit card — always scan your card.

Everything a beginner needs to understand credit card rewards in Canada.