Skip to main content
Ratehub logo
Ratehub logo

Credit Cards Rewards Comparison Calculator

Searching for the perfect credit card? In under 60 seconds, CardFinder narrows down your top matches without impacting your credit score, no SIN required.

let's get started

Credit Card Rewards Calculator

Credit card issuers are constantly coming up with new programs and incentives that appeal to new customers. One way they do this is by offering credit cards with rewards. Whether those rewards are travel-related, cash back, free merchandise or more, these credit cards promise perks to consumers who use them for purchases and to simply sign-up.

If you’re on the fence about which rewards credit card is right for you, browse our top rewards credit cards below.

To calculate exactly how much you'd expect to earn in TD points a year for each card you can use our CardFinder tool. Simply input your monthly spending profile and answer some questions, to compare and discover which card will give you the best rewards based on your personal spending habits. 

Compare the best rewards credit cards in Canada

The best rewards cards for
  • all reward types
  • cash back
  • store credit
  • travel
with
  • any annual fee
  • no annual fee
CardBest used forAnnual feeRewards

Food & transit

$120

  • 5 pts/$1 for gas, groceries, restaurants
  • 1 pts/$1 for other

Purchase interest: 20.99%  |  Cash advance: 23.99%  |  Balance transfer: 23.99%

Groceries & gas

$120

  • 4% eligible gas, groceries
  • 2% bills, restaurants, Daily transit
  • 1% cash back on all other purchases†.

Purchase interest: 20.99%  |  Cash advance: 22.99%  |  Balance transfer: 22.99%

Everyday spending

$0

  • 1% all everyday purchases
  • 3% eligible airlines
  • 4% select retailers*

Purchase interest: 19.99%  |  Cash advance: 21.50%  |  Balance transfer: 19.99%

Canadian Tire

$0

  • 4% Canadian Tire Spending
  • 1.5% groceries
  • 0.5% everything else

Purchase interest: 19.99%  |  Cash advance: 22.99%  |  Balance transfer: 22.99%

Find your perfect credit card in under 60 seconds - No SIN required

  1. Tell us a bit about yourself

    Answer some questions so we can personalize our recommendations - this won't impact your credit score

  2. Check your eligibility

    We confirm your eligibility with our partner, TransUnion. This will be a ‘soft credit check’ which you can see but lenders cannot

  3. Find your perfect matches

    We show you the cards you’re most likely to want and most likely to get

let's get started

Why use CardFinder

  • CardFinder has no impact on your credit score, no SIN required

  • Industry-standard protection

  • Match with cards you're most likely to qualify for

  • Your information is encrypted & never shared

The knowledge bank

A wealth of wealth knowledge delivered right to your inbox

By submitting your email address, you acknowledge and agree to Ratehub.ca‘s Terms of Use and Privacy Policy. Contact us for more information. You can unsubscribe at any time.

About Ratehub.ca

Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

When it comes to mortgages, Ratehub.ca is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place.

Ratehub.ca has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.

How does Ratehub.ca make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.

read more about us