Best Points credit cards in Canada

The best points card in Canada depends on your spending and goals. We list every points card we hold — 14 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Yes. Many people pair a points card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.