WALLET

Build your wallet

Answer three questions, then build the wallet that earns you the most.

Where do you spend?

I live in

Spending outside Canada

What do you want from your cards?

Your spending style

CAD
CAD 0CAD 10,000
Categories & amounts

Your wallet

Up to 3 cards. A spending style fills in its best wallet; add or remove cards to make it yours.

Cards from
Canada73 cards
American Express12 cards
BMO6 cards
Brim Financial2 cards
Canadian Tire Bank1 card
Capital One2 cards
CIBC11 cards
MBNA1 card
National Bank of Canada1 card
Neo Financial5 cards
PC Financial1 card
RBC9 cards
Rogers Bank4 cards
Scotiabank6 cards
Tangerine2 cards
TD6 cards
Vancity1 card
Wealthsimple3 cards

Saved only in this browser.

Your wallet

About these estimates
  • New wallets have up to 3 cards. Each card beyond the first has to add at least CAD 50 a year, after its fee, to be worth carrying.
  • Only spending you can put on a card
  • Spending abroad: “Some” moves about 15% and “A lot” about 40% of groceries, dining, gas, transit, travel and other in-person spending to the local currency, so foreign transaction fees count. Bills, subscriptions, online shopping, Costco and Loblaw stay at home.
  • Costco and Loblaw stores are separate because some cards aren’t accepted there: Costco Canada takes Mastercard only, Costco US Visa only, and Loblaw stores don’t take Amex.
  • Illustrative proportions, not a survey of people like you.
  • Cash back values points at each program’s simplest redemption, such as a statement credit. Airline and hotel points have no cash option, so they use the low end of their travel value. Travel bookings assume you redeem for flights or hotels at a typical rate; your own value can be lower.
  • Recurring rewards, plus lounge visits if you use lounges. Welcome offers, insurance and existing points balances are excluded.
  • Conditional rates, merchant acceptance and eligibility can change the result. Check the issuer’s terms, especially grocery merchants and income or banking requirements.
  • Lite suggests Canadian personal cards for spending in one country. Use Advanced to split spending across countries, set your own point values or add lounge trips.
  • FX snapshot 2026-10-23: 1 USD = CAD 1.4005 · 1 TWD = CAD 0.044
  • Card images belong to their respective issuers.

The best wallet for the Everyday style. Add or remove cards to make it yours; the style then switches to Custom.

Estimated annual net value

CAD 946.44

after annual fees · 1 card

Rewards value
CAD 1,138.32
− Annual fees
CAD 191.88
= Net annual value
CAD 946.44
  • American Express Cobalt

    American Express Cobalt

    🛒💳🍽️🧾⛽✈️

    CAD 191.88 / year

Card sources
American Express CobaltStandard fee: CAD 191.88 · Data checked: 2026-10-24

Canadian eligible merchants only. CAD 2,500 monthly food cap; no travel bonus. Monthly spending is assumed steady.

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Estimated per year—