Capital · Credit Cards
Points Are Not Dollars
Until You Move Them.
Ten cards on this site earn a travel currency, from a card that costs nothing to one that costs $799. What separates them is not the earn rate, it is what the points are worth when you spend them, and whether the issuer publishes that at all. Every figure is off the issuer, read 6 September 2026.
Ten cards published on this site earn a travel currency, from the no fee American Express Green Card to the $799 Platinum. What separates them is not the earn rate but what each programme will actually give you for a point, and most issuers do not publish that. Not advice.
10 Cards, Side By Side
Sorted by annual fee, cheapest first. Every figure is off the issuer, and every card name links to its own page.
| Card | Annual Fee | Purchases | Cash Advance | Foreign Fee | Income Test | The Headline Rate | The Cap |
|---|---|---|---|---|---|---|---|
| CIBC Aeroplan Visa for Students | $0 | 21.99% | 22.99% | 2.5%, CIBC’s general rate | None | 1x on gas, groceries and Air Canada | A $40,000 cap is stated in a disputed footnote |
| American Express Green Card | $0 | Not published by American Express | Not published | Not published by American Express | Not published | 1x on everything, no categories | None stated |
| MBNA Rewards World Elite | $120 | 21.99% | 22.99% | Not published for this card | $80,000 personal or $150,000 household | 5x on five categories | $50,000 per category, per calendar year |
| Scotiabank Gold American Express | $120 | 21.99% | 22.99% | None | $12,000 personal | 6x at Sobeys banner grocery stores | $50,000, calendar year |
| TD Aeroplan Visa Infinite | $139 | 21.99% | 22.99% | Not in this card’s own disclosure | $60,000 personal or $100,000 household | 1.5x on gas, EV charging, grocery and Air Canada | None stated |
| RBC Avion Visa Infinite Business | $175 | 19.99% | 22.99% | 2.5% over the benchmark rate | One of five declarations | 1.25 Avion points per $1 | $75,000 per annual period |
| American Express Cobalt Card | $15.99 a month | 21.99% | 21.99% | Not read for this card | Not published | 5x on eats and drinks in Canada | A $2,500 monthly cap could not be confirmed |
| American Express Gold Rewards | $250 | Amex publishes 21.99% and 20.99% | Not published | Not published by American Express | Not published | 2x on travel, gas, grocery and drugstore | None, Amex states there is no cap |
| TD Aeroplan Visa Infinite Privilege | $599 | 21.99% | 22.99% | Not in this card’s own disclosure | $150,000 personal or $200,000 household | 2x directly with Air Canada | None stated |
| The Platinum Card | $799 | None, it is a charge card | Not applicable | Not published by American Express | Not published | 2x on travel and dining | Not published |
The Pages Behind The Table
CIBC Aeroplan Visa for Students
$0 a year. 1x on gas, groceries and Air Canada. Cap: a $40,000 cap is stated in a disputed footnote.
American Express Green Card
$0 a year. 1x on everything, no categories. Cap: none stated.
MBNA Rewards World Elite
$120 a year. 5x on five categories. Cap: $50,000 per category, per calendar year.
Scotiabank Gold American Express
$120 a year. 6x at Sobeys banner grocery stores. Cap: $50,000, calendar year.
TD Aeroplan Visa Infinite
$139 a year. 1.5x on gas, EV charging, grocery and Air Canada. Cap: none stated.
RBC Avion Visa Infinite Business
$175 a year. 1.25 Avion points per $1. Cap: $75,000 per annual period.
American Express Cobalt Card
$15.99 a month a year. 5x on eats and drinks in Canada. Cap: a $2,500 monthly cap could not be confirmed.
American Express Gold Rewards
$250 a year. 2x on travel, gas, grocery and drugstore. Cap: none, Amex states there is no cap.
TD Aeroplan Visa Infinite Privilege
$599 a year. 2x directly with Air Canada. Cap: none stated.
The Platinum Card
$799 a year. 2x on travel and dining. Cap: not published.
A point is worth what the programme will give you for it, which is a cent on most of these and more only on a fixed redemption schedule. Any calculation above a cent is a calculation about transfer partners.
The Other Card Lists
Same standard on every one of them. Every figure off the issuer, every card linked to its own page.
Compare All Sixteen
Every card on this site, every published figure, side by side.
No Annual Fee
The 6 cards on this site that fit, ordered by annual fee.
Cash Back
The 4 cards on this site that fit, ordered by annual fee.
Low Interest
The 3 cards on this site that fit, ordered by annual fee.
Business Cards
The 2 cards on this site that fit, ordered by annual fee.
Foreign Fees
The 3 cards on this site that fit, ordered by annual fee.
Common Questions
10 cards, every one of which has its own page on this site carrying the issuer wording behind each figure.
By annual fee, cheapest first. This is not a ranking. Ranking would require weighing the cards against a spending pattern, and this site does not have yours.
Each card’s own issuer page in Canada, read on 6 September 2026. No figure on any of these pages comes from a comparison site.
Probably. This list covers the cards written up on this site, each read off its issuer. A card with no page here is a card whose figures have not been read yet, not a card that failed a test.
A List Is Not
A Recommendation.
These are the cards on this site that meet the description, ordered by annual fee. Nothing here is advice.
Not financial advice.