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★ THE HONEST NUMBER ON EVERY CARD IN CANADA272 CARDS TRACKEDNO BIAS · NO SIGNUP · 60 SECONDSCIBC · SCOTIABANK · RBC ROYAL BANK · AMERICAN EXPRESS CANADA · BMO · COLLABRIA · TD BANK GROUP

You're probably losinga trip to Paris every year!

Most cardholders never check whether their card fits how they actually spend. In about 60 seconds, we'll match your spending against the 272 cards we track in Canada — and show you what the difference could buy.

Calculate My Rewards

*every number on this page comes from the 272 cards in our Canada catalogue.

FIND YOUR MISSING POINTS
•••• •••• 8793
Tell us roughly how you spend and we'll rank the 272 cards we track in Canada against it.
NO SIGNUP · TAKES 60 SECONDS
Start the 60-second quiz

The honest number on every card in Canada.

the full index · pointsexplained.com/ca272 CARDS

CardFeeWelcomeTop rate
Affinity World Elite Mastercard
Affinity Credit Union
C$144150,000 pts—
Affinity World Mastercard
Affinity Credit Union
C$12050,000 pts—
Affinity® Mastercard®
Affinity Credit Union
C$010,000 pts—
C$12035,000 pts—
C$250—2x Drugstores
C$010,000 pts—
C$12040,000 pts—
C$025,000 pts—
C$025,000 pts—
Brim Standard
Brim Financial
C$0—1 pts per C$2 Other
262 more, ranked for your exact spending
See my full ranking

Canada, by the numbers.

i.
272
cards tracked
ii.
39
issuers covered
iii.
228
fees confirmed from issuer terms
iv.
100%
unbiased & free, always

Short reads, straight answers.

01

How to actually value a point

Why "1 point = 1¢" is usually wrong — and the number that matters.
6 MIN
1¢1.6¢2.1¢SAME POINT ·2× THE VALUE
02

Welcome bonuses, decoded

The minimum-spend traps, and clearing a bonus without overspending.
5 MIN
SPEND C$3,000 IN 3 MONTHSOVERSPEND TRAP15,000PTS
03

Is an annual fee ever worth it?

The break-even math, in one rule of thumb.
4 MIN
FEE −C$156EARN +C$1,576EARN OUTWEIGHS FEE
04

The referral effect

Why one friend's pick becomes the office default — and how to benefit.
3 MIN
YOU+C$50+C$50ONE PICK → FOUR FRIENDS
POINTSEXPLAINED · CLAIM TICKET Nº 0001EXPIRES: NEVER · TAKES 60 SEC

Your spending already earned it.
Come collect.

MEMO: free · no signup · ranked against every card we track in Canada
VOID IF UNCLAIMED

How it works — and where to start.

i.

Tell us how you spend

A few numbers, no account — about sixty seconds.

ii.

We run the numbers

First-year value across 272 cards: bonus + earn − fee, using only figures we hold.

iii.

You pick your winner

Clear, easy, yours. Then apply in minutes.

★ BROWSE BY CATEGORY · CANADASCROLL TO EXPLORE · HOVER FOR EXAMPLESTAP FOR EXAMPLES
REWARDS№ 1

Rewards

157 cards in Canada.

157 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 1

Affinity World Elite Mastercard · Affinity World Mastercard · Affinity® Mastercard®

Browse all 157
NO ANNUAL FEE№ 2

No Annual Fee

97 cards in Canada.

97 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 2

Affinity® Mastercard® · ATB Gold My Rewards Mastercard · BMO Ascend Business Mastercard

Browse all 97
PREMIUM№ 3

Premium

77 cards in Canada.

77 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 3

Affinity World Elite Mastercard · American Express® Gold Rewards Card · ATB World Elite Mastercard

Browse all 77
TRAVEL№ 4

Travel

75 cards in Canada.

75 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 4

American Express® Gold Rewards Card · ATB World Elite Mastercard · BMO eclipse rise Visa Card

Browse all 75
CASH BACK№ 5

Cash Back

73 cards in Canada.

73 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 5

Brim Standard · Capital One Aspire Cash® Platinum Mastercard® · Cash Back Mastercard®

Browse all 73
BUSINESS№ 6

Business

61 cards in Canada.

61 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 6

BMO Ascend Business Mastercard · Meridian Visa Infinite Business Cash Back Plus Card · TD Aeroplan Visa Business Card

Browse all 61
GROCERIES№ 7

Groceries

58 cards in Canada.

58 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 7

BMO eclipse rise Visa Card · CIBC Aventura Visa Card · More Rewards RBC Visa

Browse all 58

Questions, answered plainly.

How is "first-year value" calculated?

Welcome bonus plus earn rates against your actual spending, minus the annual fee — using only the figures we hold for each card, and leaving out any we have not confirmed.

How do you make money if it's unbiased?

Today it doesn't: PointsExplained has no affiliate partnerships and earns nothing from card issuers. Rankings are driven by value to you, by the same rules for every card — and we show the math.

Where do the card details come from?

The issuer's own published terms, and in some countries the regulator's own product data. Where we hold a figure we print it; where we don't, we leave it blank and say so rather than guess.