Build your wallet in detail
Enter every figure: spending by country, your own card fees and point values, and lounge trips.
Where do you spend?
Spending outside Canada
- This fills the currency columns of the spending table below; you can still edit each cell.
- 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.
What do you want from your cards?
Using your own point values from Point valuations below.
Airport lounges
Add the lounges you actually use and how often. A visit counts when a card in your wallet gets you in, and one visit is never counted twice across cards.
Hotel elite status
Aiming for a status? Cards add elite night credits, nights earned by spending, or status itself. A goal counts only when your wallet gets you there and your own stays would not.
MarriottNot tracked
HiltonNot tracked
HyattNot tracked
IHGNot tracked
ChoiceNot tracked
Monthly spending
- Enter each purchase once. CAD assumes Canadian merchants, USD US merchants and TWD Taiwanese merchants. Brand-specific rows replace their general category; do not enter the same grocery, pharmacy or flight purchase twice. Amounts exclude card fees and reimbursed purchases.
Spending on trips abroad (a year)
Each destination is spent in its own currency, so country-specific bonuses (for example Japan-only rates on Taiwanese cards) and foreign fees apply. Amounts are a year, in your display currency.
Many cards, especially in Taiwan, give their bonus only at named merchants (a few supermarkets, delivery apps, one mobile wallet). Each rule counts an estimated share of its category; open a category under “Which card for each purchase?” to see it.
Spending by category and currency
| Category | CAD | USD | TWD |
|---|---|---|---|
| Everyday | |||
| Groceries, other stores+5 | |||
| Loblaw-banner groceries | |||
| Costco | |||
| Walmart & superstores | |||
| Convenience stores (7-Eleven, Couche-Tard / Circle K) | |||
| PX Mart | |||
| Dining, other+1 | |||
| Food delivery apps (Uber Eats, DoorDash, SkipTheDishes) | |||
| Gas & EV charging | |||
| Transit & rideshare | |||
| Rent or mortgage (no-fee card payment) | |||
| Streaming | |||
| Drugstores, other+4 | |||
| Shoppers / Pharmaprix | |||
| Watsons | |||
| Cosmed | |||
| Poya | |||
| Recurring bills | |||
| Entertainment | |||
| Online shopping, other sites+1 | |||
| Online marketplaces (Amazon, eBay, Walmart.com) | |||
| Home improvement | |||
| Phone / internet / cable | |||
| Everything else, other payments+1 | |||
| Paid by mobile wallet | |||
| Travel | |||
| Travel (general) | |||
| Flights, other airlines+17 | |||
| Air Canada | |||
| WestJet | |||
| Porter | |||
| Hawaiian / Alaska | |||
| United | |||
| Delta | |||
| American Airlines | |||
| EVA Air | |||
| China Airlines | |||
| STARLUX | |||
| Cathay Pacific | |||
| Korean Air | |||
| Singapore Airlines | |||
| Air France / KLM | |||
| British Airways | |||
| Lufthansa | |||
| Avianca | |||
| Hotels, other chains+6 | |||
| Marriott hotels | |||
| Hilton hotels | |||
| Hyatt | |||
| IHG hotels | |||
| Choice hotels | |||
| Accor hotels | |||
| Booked through card travel portals | |||
| Hotels & cars | |||
| Flights | |||
| Hotels & cars | |||
| Flights | |||
| Hotels & cars | |||
| Flights | |||
| Hotels & cars | |||
| Flights | |||
| Hotels & cars | |||
| Flights | |||
| Hotels & cars | |||
| Flights | |||
| Hotels & cars | |||
| Flights | |||
| Hotels & cars | |||
| Flights | |||
| Hotels & cars | |||
| Flights | |||
| Business | |||
| Shipping | |||
| Search / social advertising | |||
| Office supply stores | |||
Your wallet
- Select a card to see what you would earn with it. Add or remove cards to see category recommendations change. Each selected card includes its configured annual fee. The starting selection is an example.
Advanced holds up to 6 cards. Uncheck one to choose another.
Canada 76 cards
American Express 12 cards
Annual credits 1
Standard annual fee: CAD 599.00
Standard annual fee: CAD 191.88
Annual credits 2
Standard annual fee: CAD 250.00
Annual credits 3
Standard annual fee: CAD 799.00
Standard annual fee: CAD 119.88
Annual credits 1
Standard annual fee: CAD 599.00
Standard annual fee: CAD 99.00
Standard annual fee: CAD 199.00
Standard annual fee: CAD 0.00
Annual credits 5
Standard annual fee: CAD 799.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 150.00
BMO 6 cards
Standard annual fee: CAD 150.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 139.00
Annual credits 1
Standard annual fee: CAD 120.00
Standard annual fee: CAD 89.00
Standard annual fee: CAD 199.00
Brim Financial 2 cards
Standard annual fee: CAD 132.00
Standard annual fee: CAD 89.00
Canadian Tire Bank 1 card
Standard annual fee: CAD 0.00
Capital One 2 cards
Standard annual fee: CAD 0.00
Standard annual fee: CAD 0.00
CIBC 11 cards
Standard annual fee: CAD 180.00
Standard annual fee: CAD 139.00
Standard annual fee: CAD 139.00
Annual credits 1
Standard annual fee: CAD 599.00
Standard annual fee: CAD 0.00
Annual credits 1
Standard annual fee: CAD 139.00
Annual credits 2
Standard annual fee: CAD 499.00
Annual credits 1
Standard annual fee: CAD 139.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 0.00
Equitable Bank (EQ Bank) 1 card
Standard annual fee: CAD 0.00
MBNA 1 card
Standard annual fee: CAD 120.00
National Bank of Canada 1 card
Annual credits 1
Standard annual fee: CAD 150.00
Neo Financial 5 cards
Standard annual fee: CAD 180.00
Standard annual fee: CAD 149.00
Standard annual fee: CAD 149.00
Standard annual fee: CAD 149.00
Standard annual fee: CAD 89.00
PC Financial 1 card
Standard annual fee: CAD 0.00
Peoples Trust Company 1 card
Standard annual fee: CAD 12.00
RBC 9 cards
Standard annual fee: CAD 120.00
Standard annual fee: CAD 139.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 175.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 165.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 48.00
Rogers Bank 4 cards
Standard annual fee: CAD 0.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 495.00
Standard annual fee: CAD 0.00
Scotiabank 6 cards
Standard annual fee: CAD 120.00
Standard annual fee: CAD 120.00
Standard annual fee: CAD 150.00
Standard annual fee: CAD 199.00
Standard annual fee: CAD 399.00
Standard annual fee: CAD 0.00
Tangerine 2 cards
Standard annual fee: CAD 0.00
Standard annual fee: CAD 120.00
TD 6 cards
Standard annual fee: CAD 139.00
Standard annual fee: CAD 139.00
Annual credits 1
Standard annual fee: CAD 139.00
Standard annual fee: CAD 149.00
Annual credits 1
Standard annual fee: CAD 599.00
Standard annual fee: CAD 89.00
Vancity 1 card
Standard annual fee: CAD 120.00
Wealthsimple 4 cards
Standard annual fee: CAD 240.00
Standard annual fee: CAD 0.00
Standard annual fee: CAD 240.00
Standard annual fee: CAD 0.00
United States 83 cards
American Express 17 cards
Annual credits 4
Standard annual fee: USD 375.00
Annual credits 9
Standard annual fee: USD 895.00
Annual credits 4
Standard annual fee: USD 325.00
Annual credits 12
Standard annual fee: USD 895.00
Standard annual fee: USD 0.00
Annual credits 3
Standard annual fee: USD 150.00
Annual credits 3
Standard annual fee: USD 150.00
Annual credits 4
Standard annual fee: USD 350.00
Annual credits 4
Standard annual fee: USD 350.00
Annual credits 4
Standard annual fee: USD 650.00
Annual credits 4
Standard annual fee: USD 650.00
Annual credits 3
Standard annual fee: USD 550.00
Standard annual fee: USD 0.00
Annual credits 2
Standard annual fee: USD 650.00
Standard annual fee: USD 125.00
Standard annual fee: USD 0.00
Annual credits 1
Standard annual fee: USD 195.00
Bank of America 4 cards
Standard annual fee: USD 89.00
Standard annual fee: USD 95.00
Annual credits 1
Standard annual fee: USD 395.00
Standard annual fee: USD 95.00
Barclays 5 cards
Standard annual fee: USD 99.00
Annual credits 2
Standard annual fee: USD 99.00
Standard annual fee: USD 0.00
Annual credits 2
Standard annual fee: USD 99.00
Annual credits 3
Standard annual fee: USD 499.00
Bilt 4 cards
Standard annual fee: USD 0.00
Annual credits 1
Standard annual fee: USD 95.00
Annual credits 1
Standard annual fee: USD 95.00
Annual credits 2
Standard annual fee: USD 495.00
Capital One 5 cards
Standard annual fee: USD 0.00
Annual credits 1
Standard annual fee: USD 95.00
Annual credits 3
Standard annual fee: USD 395.00
Annual credits 3
Standard annual fee: USD 395.00
Standard annual fee: USD 0.00
Cardless 2 cards
Standard annual fee: USD 99.00
Standard annual fee: USD 249.00
Chase 21 cards
Annual credits 2
Standard annual fee: USD 195.00
Standard annual fee: USD 0.00
Standard annual fee: USD 0.00
Standard annual fee: USD 0.00
Standard annual fee: USD 95.00
Standard annual fee: USD 0.00
Annual credits 2
Standard annual fee: USD 95.00
Annual credits 11
Standard annual fee: USD 795.00
Annual credits 9
Standard annual fee: USD 795.00
Annual credits 3
Standard annual fee: USD 200.00
Standard annual fee: USD 0.00
Annual credits 3
Standard annual fee: USD 150.00
Annual credits 3
Standard annual fee: USD 350.00
Standard annual fee: USD 95.00
Annual credits 1
Standard annual fee: USD 299.00
Annual credits 1
Standard annual fee: USD 99.00
Annual credits 1
Standard annual fee: USD 149.00
Annual credits 1
Standard annual fee: USD 149.00
Annual credits 1
Standard annual fee: USD 229.00
Annual credits 2
Standard annual fee: USD 450.00
Standard annual fee: USD 95.00
Citi 11 cards
Standard annual fee: USD 0.00
Standard annual fee: USD 99.00
Annual credits 5
Standard annual fee: USD 695.00
Annual credits 4
Standard annual fee: USD 350.00
Standard annual fee: USD 99.00
Standard annual fee: USD 0.00
Standard annual fee: USD 0.00
Annual credits 4
Standard annual fee: USD 595.00
Annual credits 1
Standard annual fee: USD 95.00
Standard annual fee: USD 0.00
Standard annual fee: USD 0.00
HSBC Bank USA 2 cards
Annual credits 4
Standard annual fee: USD 495.00
Standard annual fee: USD 95.00
U.S. Bank 8 cards
Annual credits 2
Standard annual fee: USD 450.00
Standard annual fee: USD 0.00
Standard annual fee: USD 99.00
Standard annual fee: USD 99.00
Annual credits 1
Standard annual fee: USD 0.00
Annual credits 1
Standard annual fee: USD 0.00
Standard annual fee: USD 0.00
Standard annual fee: USD 0.00
Wells Fargo 4 cards
Standard annual fee: USD 0.00
Standard annual fee: USD 0.00
Standard annual fee: USD 0.00
Annual credits 2
Standard annual fee: USD 95.00
Taiwan 46 cards
American Express Taiwan 3 cards
Standard annual fee: TWD 36,800.00
Standard annual fee: TWD 8,500.00
Standard annual fee: TWD 36,800.00
Bank SinoPac 2 cards
Standard annual fee: TWD 3,000.00
Standard annual fee: TWD 3,000.00
Cathay United Bank 10 cards
Standard annual fee: TWD 1,800.00
Standard annual fee: TWD 1,800.00
Standard annual fee: TWD 1,800.00
Standard annual fee: TWD 1,800.00
Standard annual fee: TWD 1,800.00
Standard annual fee: TWD 1,800.00
Standard annual fee: TWD 1,800.00
Standard annual fee: TWD 1,800.00
Standard annual fee: TWD 20,000.00
Standard annual fee: TWD 2,400.00
CTBC Bank 7 cards
Standard annual fee: TWD 8,000.00
Standard annual fee: TWD 1,800.00
Standard annual fee: TWD 22,000.00
Standard annual fee: TWD 1,800.00
Standard annual fee: TWD 6,600.00
Standard annual fee: TWD 22,000.00
Standard annual fee: TWD 0.00
E.SUN Bank 8 cards
Standard annual fee: TWD 3,000.00
Standard annual fee: TWD 1,200.00
Standard annual fee: TWD 500.00
Standard annual fee: TWD 6,000.00
Standard annual fee: TWD 100,000.00
Standard annual fee: TWD 3,000.00
Standard annual fee: TWD 3,000.00
Standard annual fee: TWD 1,788.00
HSBC Bank (Taiwan) 3 cards
Standard annual fee: TWD 2,000.00
Standard annual fee: TWD 8,000.00
Standard annual fee: TWD 2,500.00
Shanghai Commercial & Savings Bank 1 card
Standard annual fee: TWD 1,200.00
Taipei Fubon Bank 3 cards
Standard annual fee: TWD 1,800.00
Standard annual fee: TWD 1,800.00
Standard annual fee: TWD 1,800.00
Taishin Bank 7 cards
Standard annual fee: TWD 3,000.00
Standard annual fee: TWD 3,000.00
Standard annual fee: TWD 3,000.00
Standard annual fee: TWD 3,000.00
Standard annual fee: TWD 3,000.00
Standard annual fee: TWD 3,000.00
Standard annual fee: TWD 3,000.00
Union Bank of Taiwan 2 cards
Standard annual fee: TWD 1,000.00
Standard annual fee: TWD 2,000.00
United Kingdom 12 cards
American Express 5 cards
Standard annual fee: GBP 195.00
Standard annual fee: GBP 0.00
Standard annual fee: GBP 300.00
Standard annual fee: GBP 95.00
Annual credits 1
Standard annual fee: GBP 650.00
Barclays 3 cards
Standard annual fee: GBP 0.00
Standard annual fee: GBP 240.00
Standard annual fee: GBP 0.00
Chase 1 card
Standard annual fee: GBP 0.00
Currensea 2 cards
Standard annual fee: GBP 55.00
Standard annual fee: GBP 175.00
HSBC UK Bank plc 1 card
Standard annual fee: GBP 290.00
Point valuations
- Cash back uses 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 use a typical value for flights and hotels; your own value can be lower.
- Amount in the displayed currency per ONE point. Example: USD 0.015 = 1.5 US cents. Defaults are estimates; zero is allowed. A transfer valuation does not make a card eligible to transfer.
Canada 14
Default: 1.7¢ CAD
Default = Milesopedia 1.7 cents CAD (since 2026-09-01). High = Prince of Travel 2.2 cents CAD (Q2 2026), reflecting 1:1 Aeroplan/Avios/Flying Blue transfers; Fixed Points Travel up to ~2 cents at zone caps. Low = statement credit at 1.0 cent (1,000 pts = $10, travel or other purchases, per The Point Calculator / Milesopedia). Note: some Canadian MR cards (e.g. MR Select tier) do not transfer to airlines, so their realistic value sits near the 1.0 floor.
Default: 0.6667¢ CAD
150 points per CAD 1 eligible travel redemption.
Default: 1¢ CAD
100 points redeem for CAD 1; partner-specific multipliers are excluded.
Default: 1¢ CAD
Fixed value: Canadian Tire states 'Redeem CT Money $1 for $1' and earn as a percentage ('Earn 4% back in CT Money'), collected on the pre-tax amount. 1 program unit = 1 cent of CT Money, so '4% back' => rate 4. Milesopedia also lists CT$1 = $1. Caveat: only redeemable at Canadian Tire-family stores (Canadian Tire, Sport Chek, Mark's, Gas+, etc.), so it is worth less than cash to anyone who would not otherwise shop there.
Default: 1¢ CAD
cash — 1 program unit = 1 cent CAD by definition (1.5% cash back is rate 1.5). No external valuation needed.
Default: 1¢ CAD
Default = 1.0 cent CAD (Milesopedia reference value since 2026-09-01; Prince of Travel Q2 2026 also 1.0), which is what travel booked through the CIBC Rewards Centre returns. High = 2.0 cents from the Aventura Airline Rewards Chart (fixed points per round trip up to a maximum base fare, e.g. 20,000 points for a $400 short-haul fare); CIBC itself advertises 60,000 points as 'up to $1,200 in travel value'. Milesopedia's best case for the chart is ~2.3 cents; the issuer's 2.0 is used. Low = ~0.6 cents for statement credits / pay with points (Milesopedia: 4,000 points = $25); CIBC financial products ~0.83, gift cards and merchandise ~0.7. Taxes and anything above the chart's maximum base fare are paid separately. No airline or hotel transfer partners.
Default: 1¢ CAD
Travel redemption estimate; cash redemption is lower.
Default: 0.9¢ CAD
Default = Milesopedia average 0.9 cents CAD (since 2026-09-01). High = Prince of Travel 1.0 cent (Q2 2026), matching travel booked through À la carte Travel (10,000 pts = $100). Low = 0.83 cents for travel booked elsewhere (statement credit) or financial products (RRSP/TFSA/mortgage, 12,000 pts = $100). Non-travel statement credits are only ~0.4 cents — avoid.
Default: 0.1¢ CAD
10,000 points = CAD 10 at eligible stores; statement credit is lower (CAD 7/10,000). Ordinary loyalty points available with any payment method are excluded from card comparisons.
Default: 1.7¢ CAD
Default = Milesopedia average value 1.7 cents CAD (raised from 1.5 on 2026-09-01). High = Prince of Travel 2.0 cents (Q2 2026); Air Travel Redemption Schedule tops out at 2.0–2.33 cents only when fares hit the zone cap. Low = statement credit / Avion Rewards Pay at 0.58 cents (1 cent on Avion Visa Infinite Privilege); RBC financial products 0.83 cents, gift cards ~0.71 cents.
Default: 0.5814¢ CAD
Standalone travel redemption: 172 points per CAD 1. Selected Avion Elite companion unlocks the main Avion valuation. ION and ION+ points can also move to WestJet, effectively 1:1 (100 points per WestJet dollar).
Default: 1¢ CAD
Prince of Travel values Scene+ at 1 cent CAD (Q2 2026 table and Scene+ program page, updated Oct 14, 2026); Milesopedia also 1 cent. 1 cent applies to travel (offset or portal), Empire-banner groceries (1,000 pts = $10) and Cineplex. Low = statement credit at ~0.7 cents.
Default: 0.5¢ CAD
200 points = CAD 1 through Expedia for TD; other redemption methods can be lower. Editable scenario value.
Default: 1¢ CAD
Issuer-stated fixed value: '$1 in rewards value for every 100 Vancity Rewards points' (1 cent CAD) for cash back toward the enviro Visa balance, loan payments, travel and gift cards. No independent published valuation found (Prince of Travel and Milesopedia do not list Vancity), so this rests on the issuer's own page only — medium confidence; no evidence of above-1-cent redemptions.
United States 14
Default: 1.3¢ USD
Default = NerdWallet 1.3 cents USD (Oct 2026, based on Avianca LifeMiles transfers). High = The Points Guy 2.0 cents (Oct 2026). Low = statement credit ~0.6 cents (NerdWallet); Amex Travel flights 1.0 cent.
Default: 2¢ USD
Average of 2026 valuations: The Points Guy 2.2¢ (Oct 2026), Upgraded Points 2.0¢ (Oct 2026), Prince of Travel 1.7¢ (2026-10-22). Low = 1.25¢ fixed Bilt Travel value. Hyatt transfers drop to 4:3 on 2027-01-01. Other partners (Turkish, Emirates, Virgin Atlantic, Iberia, Qatar, TAP, LifeMiles, Etihad, Aer Lingus) aren't in this tool's list.
Default: 1.3¢ USD
Default = NerdWallet 1.3 cents USD (Oct 2026, based on Avianca LifeMiles transfers). High = The Points Guy 1.85 cents (Oct 2026). Low = cash back / statement credit at 0.5 cents (TPG); covering a travel purchase within 90 days or booking Capital One Travel = 1.0 cent (NerdWallet, TPG).
Default: 1¢ USD
cash — 1 program unit = 1 cent USD by definition (1.5% cash back is rate 1.5). No external valuation needed.
Default: 1.4¢ USD
Points on Sapphire Preferred and Ink Business Preferred (Sapphire Reserve cards use chase-ur-reserve). Hyatt transfers 4:3 since 2026-10-01. Fixed 1.25-cent Chase Travel redemptions were replaced by Points Boost (up to 1.75 cents on flights, 1.5 on hotels). Default = NerdWallet 1.4 cents USD (Oct 2026). High = The Points Guy 2.05 cents (Oct 2026). Low = cash back / statement credit at 1.0 cent (NerdWallet). Cash-back-only cards (Freedom family) are worth 1.0 unless points are pooled to a Sapphire/Ink Preferred.
Default: 1¢ USD
Cash redemption only. The main Chase UR valuation is used automatically when an eligible companion is selected in the same wallet.
Default: 1.8¢ USD
Points on Sapphire Reserve and Sapphire Reserve for Business. Default = NerdWallet 1.8 cents USD (Oct 2026), reflecting Points Boost redemptions of up to 2 cents in Chase Travel. High = The Points Guy 2.05 cents (Oct 2026). Low = cash back at 1 cent. Unlike Sapphire Preferred and Ink Preferred (4:3 since 2026-10-01), Hyatt transfers stay 1:1.
Default: 1.6¢ USD
Points on Strata Premier and Strata Elite, which transfer at full rates. Default = Upgraded Points 1.6 cents (Oct 2026). Low = 1 cent cash redemption. High = TPG 1.9 cents (Oct 2026).
Default: 1¢ USD
Points on no-fee Citi cards (e.g. Custom Cash) used alone: they transfer to airlines at 70% of the premium rate. Default and low = 1 cent cash redemption. High = transfers at 0.7x (about 1.3 cents). Pooled into your own Strata Premier or Elite, they take full ThankYou value (modelled as a combo).
Default: 1¢ USD
Official program rules: points against HSBC Travel bookings are worth $0.015 (20,000 = $300); statement credit or deposit $0.01; Amazon $0.008. Default = 1 cent. Transfers to airline partners (ratios from The Point Calculator, 2026-09-27, secondary).
Default: 1¢ USD
Official program rules: points against HSBC Travel bookings are worth $0.0125 (20,000 = $250); statement credit or deposit $0.01; Amazon $0.008. Default = 1 cent. Transfers to airline partners (ratios from The Point Calculator, 2026-09-27, secondary).
Default: 1.5¢ USD
Altitude Reserve: 1.5¢ a point for travel; 1¢ for cash. Transfers (from 2026-08-11) only from the Altitude Reserve and legacy FlexPerks cards, all closed to new applicants: 1:1 to Flying Blue, LifeMiles, Qantas and Ethiopian, 2:1 to Accor.
Default: 1¢ USD
Worth 1¢ a point as a deposit to a U.S. Bank account or for travel. No transfers.
Default: 1¢ USD
Points on Autograph cards, and Active Cash rewards combined with them. Default and low = 1 cent cash. High = 1.5 cents via 1:1 airline transfers (Avios, Flying Blue, LifeMiles; also Aer Lingus, Iberia and Virgin Atlantic, not in the catalog) or Choice 1:2.
Taiwan 5
Default: TWD 0.4
Estimate: TWD 0.40 default, TWD 0.25 low. Transfer partners and fees not verified.
Default: TWD 1
Each Tree Point is counted at TWD 1; value can vary by redemption.
Default: TWD 0.45
Low = official cash redemption (5,000 points = TWD 1,500, TWD 0.30 per point). Default = TWD 0.45, the same as one airline mile, since points transfer 1:1 to 16 airlines.
Default: TWD 1
CTBC terms say 1 point = NT$1. Spendable 1:1 at LINE Pay merchants and LINE services; cannot be cashed out or used to pay the card bill; expire 180 days after the last earning.
Default: TWD 0.01
One reward unit equals TWD 0.01.
United Kingdom 3
Default: 1¢ GBP
Pence per point. 1:1 transfers to Avios valued at about 1p; low = statement credit or vouchers; high = premium-cabin Avios or Flying Blue redemptions.
Default: 1¢ GBP
1% = 1p per £1.
Default: 0.5¢ GBP
Pence per point: 2 points = 1 airline mile (about 1p per Avios), so roughly 0.5p per point.
Airlines 22
Default: 1.5¢ CAD
Owner's own redemptions vs CAD cash fares (1.3–1.7, default 1.5). For comparison: Prince of Travel values Aeroplan at 2.0 cents CAD (Q2 2026, lowered from 2.1); Milesopedia also 2.0 cents (values in effect since 2026-09-01). Published values are target/average-of-community figures and run higher than the owner's measured results.
Default: 1¢ CAD
100 WestJet points = CAD 1 travel value. Companion vouchers and checked baggage are excluded from this spending model.
Default: 1.5¢ CAD
Default = Prince of Travel 1.5 cents CAD (Q2 2026); Milesopedia also 1.5 cents CAD. Low = Milesopedia YUL-YHZ example ~0.99 cents. High = Milesopedia YUL-YVR example ~2.5 cents.
Default: 1.2¢ USD
Default = TPG 1.2 cents (Oct 2026). Low = Upgraded Points 1.2 cents (Oct 2026) and NerdWallet 1.2 cents (Aug 2026) agree; no fixed-value floor.
Default: 1.2¢ USD
Default = TPG 1.2 cents (Oct 2026); Upgraded Points and NerdWallet agree. Low = Pay with Miles fixed 1.0 cent a mile (Amex SkyMiles cardholders).
Default: 1.45¢ USD
Default = TPG 1.45 cents (Oct 2026). Low = Upgraded Points 1.4 cents (Oct 2026). High = NerdWallet 1.7 cents (Aug 2026).
Default: 1.4¢ USD
Default/low = NerdWallet 1.4 cents USD (Oct 2026, award-flight data from Aug 2026). High = The Points Guy 1.55 cents (Oct 2026, Points Path data). Frequent Miler RRV 1.5 cents (Apr 2026). Prince of Travel lists 2.2 cents CAD (Q2 2026). No cash-out floor published, so cpp_low is the most conservative published award value, not a cash floor.
Default: 1.25¢ USD
Default = TPG 1.25 cents (Oct 2026). Low = TPG 1.25 cents (lowest published). High = NerdWallet 1.4 cents (2026).
Default: 1.35¢ USD
Default = TPG 1.35 cents (Oct 2026). Low = Upgraded Points 1.3 cents. High = NerdWallet 1.4 cents.
Default: TWD 0.45
Estimate: TWD 0.45 per mile default, TWD 0.30 low. No Taiwanese publisher gives an authoritative per-mile value.
Default: TWD 0.45
Estimate: TWD 0.45 per mile default, TWD 0.30 low. No Taiwanese publisher gives an authoritative per-mile value; value depends on route and cabin.
Default: 1.4¢ USD
Estimate: no published valuation exists. Derived from the award chart against cash fares (economy Asia 17,500 miles one-way for US$150–350 fares ≈ 1.5–2¢; business is higher), less the US$30 award fee, cash taxes and limited saver space. Not in any alliance; no bank points transfer in.
Default: 1.4¢ USD
US-dollar equivalent. Default = TPG 1.4 cents (Oct 2026); Upgraded Points 1.4 cents agrees. ANA raised award prices in 2026 and fuel surcharges rose, so real values can be lower.
Default: 1.3¢ USD
US-dollar equivalent. Default = Upgraded Points 1.3 cents (Oct 2026); single source (TPG does not value JAL).
Default: 1.3¢ USD
Default = The Points Guy 1.3 US cents (2026-10-01). Low = Prince of Travel 1.1 US cents (2026-10-17; 1.5 CAD cents).
Default: 1.4¢ USD
Default and low = Prince of Travel 1.4 US cents (2026-10-22). High = Upgraded Points 1.6 cents (secondary, undated). No bank currency transfers to SKYPASS in 2026; only hotel partners (Accor, Shangri-La, Hyatt).
Default: 1.3¢ USD
Default = The Points Guy 1.3 cents (Oct 2026). Low = Prince of Travel 1.2 US cents / 1.7 CAD cents (Q2 2026), after the Nov 2025 and Mar 2026 chart increases. High = Upgraded Points 1.35 cents (Oct 2026).
Default: 1.4¢ USD
Default = TPG 1.4 cents (Oct 2026). Low = Upgraded Points 1.25 cents (Oct 2026).
Default: 1.4¢ USD
Default = TPG 1.4 cents (Oct 2026). Low = Upgraded Points 1.3 cents (Oct 2026). High = TPG July 2026 1.55 cents.
Default: 1.3¢ USD
Default and high = Upgraded Points 1.3 cents (Oct 2026). Low = One Mile at a Time 1.2 cents (Oct 2026). Lufthansa, SWISS and Austrian awards are dynamically priced since 2025-06-03, so value varies widely. No US, Canadian or Taiwanese bank points transfer to it.
Default: 1.3¢ USD
Default = TPG 1.3¢ (2026), matching Frequent Miler / Points Path's reasonable redemption value 1.3¢ (2026-04-23). Low = median observed redemption 1.10¢; high = mean 1.42¢. The August 2025 Classic Reward increase is priced in. oneworld member; no co-brand card outside Australia.
Default: 1.4¢ USD
Default = rounded average of TPG 1.6¢, OMAAT 1.3¢ and NerdWallet 1.3¢ (Oct 2026). Low = OMAAT 1.3¢. High = TPG 1.6¢ (2026-10-01). Star Alliance member.
Hotels 10
Default: 0.7¢ USD
Expressed in USD. Default/low = NerdWallet 0.7 cents USD (Oct 2026, down from 0.8 in 2025); high = The Points Guy 0.75 cents USD (Oct 2026, Gondola median). No cash-out floor (points have no statement-credit option worth considering). Canadian sources value in CAD: Prince of Travel 0.8 cents CAD (Q2 2026), Milesopedia 0.9 cents CAD (Aug 2026 article) / 1.0 cents CAD (table) — roughly consistent with the USD figures after FX. Canadian Amex Bonvoy cards earn the same points, so use this one USD valuation and convert.
Default: 0.6¢ USD
Owner's own redemptions (0.52–0.8 cents USD, default 0.6). For comparison: The Points Guy 0.4 cents (Oct 2026, Gondola median data); NerdWallet 0.4 cents (Oct 2026); Prince of Travel 0.7 cents CAD (Q2 2026); Milesopedia 0.5 cents CAD. Owner's measured value is above the US published consensus.
Default: 1.5¢ USD
Illustrative hotel redemption estimate, not a guaranteed cash value.
Default: 0.6¢ USD
Default = TPG 0.6 cents (Oct 2026). Low = Upgraded Points 0.5 cents (Oct 2026).
Default: 0.85¢ USD
Default = TPG 0.85 cents (Oct 2026). Low = Upgraded Points 0.6 cents (Oct 2026).
Default: 2.3¢ USD
Fixed value: 1 point = EUR 0.02 off stays (about 2.3 US cents). TPG 2.3¢ (Oct 2026), Upgraded Points 2.2¢. Bank ratios into Accor partly from AwardTravelFinder.
Default: 0.7¢ USD
Midpoint of TPG 0.55¢ and Upgraded Points 0.9¢ (Oct 2026). Award chart 7,500 / 15,000 / 30,000 points a night.
Default: 0.5¢ USD
Upgraded Points 0.5¢ (Oct 2026); Frequent Miler median 0.49¢.
Default: 0.25¢ USD
Upgraded Points 0.25¢ (Oct 2026). Radisson Rewards Americas merged into Choice in 2023.
Default: 8¢ USD
Upgraded Points 8.0¢ (Oct 2026); dynamic awards from 4,000 points a night.
Exchange rates & funding
Editable scenario rates, not a live quote. Choose CAD, USD or TWD in the results section. Enter positive FX rates.
Other currencies (trips abroad)
ECB reference rates, late June 2026 (VND approximate).
Your wallet
- Annual value = rewards − conversion costs − annual fees + useful lounge visits
- Settings stay in this browser.
Estimated annual net value
—
Where to use each card
Which lounges you can use
Hotel elite status
Annual card fees
Model & limits
- Monthly caps are annualized assuming steady monthly spending.
- Allocation uses a rate-first heuristic; shared caps can make it approximate.
- Lounge allocation prioritizes constrained destinations and may not maximize complex guest/visit combinations.
- Only complimentary person-visits count; paid guests, infant exceptions and earned spend-threshold guest privileges are excluded.
- Lounge value is an estimate of avoided spending, not cashback.
- All totals assume bills paid in full.
Card data & sources (218)
- A curated CA / US / TW catalog, not every product on the market. Expand a card for modeled rates, omissions and issuer sources. Terms are an annualized snapshot, not a forecast of 2027 changes.
Browse by country → bank → card, or search across every group.
No cards match this search.
Canada76 cards
American Express12 cards
American Express Aeroplan ReserveCA · American Express · AeroplanCAD 599.00standard / year
Model notes: 2026 terms. Annual fee rises to CAD 799 on the first annual fee billing after January 2027; verify renewal. Maple Leaf access is for eligible flights in North America. Status and companion pass excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Air Canada: 3 units / CAD 1 · any
- Dining & delivery: 2 units / CAD 1 · domestic
- Everything else: 1.25 units / CAD 1 · any
Air Canada Maple Leaf · ∞ · guests 1
Official / supporting sources
American Express CobaltCA · American Express · American Express Membership Rewards (Canada)CAD 191.88standard / year
Model notes: Canadian eligible merchants only. CAD 2,500 monthly food cap; no travel bonus. Monthly spending is assumed steady.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 5 units / CAD 1 · domestic · CAD 2,500.00 / monthly
- Dining & delivery: 5 units / CAD 1 · domestic · CAD 2,500.00 / monthly
- Streaming: 3 units / CAD 1 · domestic
- Gas & EV charging: 2 units / CAD 1 · domestic
- Transit & rideshare: 2 units / CAD 1 · domestic
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
American Express Gold Rewards (Canada)CA · American Express · American Express Membership Rewards (Canada)CAD 250.00standard / year
Model notes: Four Canadian Plaza Premium person-visits, shared with guests. Priority Pass membership alone does not include free visits. Travel credit not auto-valued.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 2 units / CAD 1 · domestic
- Gas & EV charging: 2 units / CAD 1 · domestic
- Drugstores: 2 units / CAD 1 · domestic
- Travel (general): 2 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
Plaza Premium (direct card benefit) · 4 · guests 10
Official / supporting sources
American Express Platinum (Canada)CA · American Express · American Express Membership Rewards (Canada)CAD 799.00standard / year
Model notes: 2026 lounge terms. Plaza Premium/Priority Pass caps change January 2027; this annualized scenario is not a forecast. Guest benefits conservatively excluded. Credits excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Dining & delivery: 2 units / CAD 1 · domestic
- Travel (general): 2 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
Priority Pass · ∞ · guests 1 / Plaza Premium (direct card benefit) · ∞ · guests 1 / Centurion · ∞ · guests 0
Official / supporting sources
SimplyCash PreferredCA · American Express · Cash back (CAD)CAD 119.88standard / year
Model notes: CAD 9.99 monthly fee outside Quebec. Grocery bonus capped at CAD 30,000/year. Quebec fee may differ; override actual fee.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 4 units / CAD 1 · domestic · CAD 30,000.00 / annual
- Gas & EV charging: 4 units / CAD 1 · domestic
- Everything else: 2 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
American Express Aeroplan Business Reserve CardCA · American Express · AeroplanCAD 599.00standard / year
Model notes: From Jan 12, 2027: fee $599 to $799; Maple Leaf access goes worldwide (AC flights) with +1 guest; Priority Pass with 2 passes a year (more after $25k spend); 8 Aspire lounge passes in Canada. Current lounges modelled: North American Maple Leaf Lounges with 1 guest on a same-day AC or Star Alliance departure. The 2x hotel rate says 'in Canada' on the product page but not in the agreement. FX 2.5% is secondary. Not modelled: SQC, Companion Pass, NEXUS credit, free first bag.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Air Canada: 3 units / CAD 1 · any
- Hyatt: 2.5 units / CAD 1 · any
- Other hotels: 2 units / CAD 1 · any
- Everything else: 1.25 units / CAD 1 · any
Air Canada Maple Leaf · ∞ · guests 1
Official / supporting sources
American Express Business Edge CardCA · American Express · American Express Membership Rewards (Canada)CAD 99.00standard / year
Model notes: Closed to new applicants since August 2024; existing cardholders keep it (the Sep 2026 agreement and Oct 2026 MR Terms still list it). The $99 fee is from the archived 2024 page; FX 2.5% unconfirmed. Cap period (calendar or cardmember year) not stated. No lounge access.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Dining & delivery: 3 units / CAD 1 · domestic · CAD 25,000.00 / annual
- Gas & EV charging: 3 units / CAD 1 · domestic · CAD 25,000.00 / annual
- Transit & rideshare: 3 units / CAD 1 · domestic · CAD 25,000.00 / annual
- Office supply stores: 3 units / CAD 1 · domestic · CAD 25,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
American Express Business Gold Rewards CardCA · American Express · American Express Membership Rewards (Canada)CAD 199.00standard / year
Model notes: Charge card with no pre-set spending limit. The quarterly bonus (10,000 points per quarter with $20,000 of purchases) can't be expressed as a rate and is not modelled. Credits not modelled: Dell, Instacart. No lounge access. FX 2.5% is secondary.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
American Express Green Card (Canada)CA · American Express · American Express Membership Rewards (Canada)CAD 0.00standard / year
Model notes: Current no-fee Canadian credit card earning full Membership Rewards (transfers 1:1 to frequent flyer programs). Not modelled: 1 extra point per $1 on hotel or car bookings through Amex Travel Online. FX: the agreement sets the conversion commission in an information box that could not be retrieved; 2.5% is secondary but matches other Amex Canada cards. A different product from the US Green Card.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Business Platinum Card from American Express (Canada)CA · American Express · American Express Membership Rewards (Canada)CAD 799.00standard / year
Model notes: Charge card. Lounges as of 2026: unlimited Priority Pass, Plaza Premium and Centurion; 1 guest for PP and Plaza is secondary; Centurion guest policy unconfirmed (0). From Jan 1, 2027 Priority Pass and Plaza become limited (6 visits a year per secondary sources) unless $20,000 is spent in the calendar year. Not modelled: Amex Travel credit, Fine Hotels + Resorts, Instacart. FX 2.5% is secondary.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1.25 units / CAD 1 · any
Priority Pass · ∞ · guests 1 / Plaza Premium (direct card benefit) · ∞ · guests 1 / Centurion · ∞ · guests 0
Official / supporting sources
Marriott Bonvoy American Express CardCA · American Express · Marriott BonvoyCAD 120.00standard / year
Model notes: FX fee: the official Cardmember Agreement confirms foreign-currency charges carry a 'single conversion commission as specified in the information box and disclosure statement', but that information box could not be retrieved, and the product page would not load without a consent prompt. The 2.5% comes from Milesopedia (secondary) and matches the 2.5% Amex Canada states for the Platinum Card; confirm on a statement or the information box. No earn caps stated. 5x scope: the 5x clause names no country, but the program terms define 'eligible' as Amex merchants in Canada, so 5x at Marriott hotels outside Canada is not explicitly confirmed. Interest 21.99% purchases and funds advances. No fee for supplementary cards (max 9). Annual Free Night Award after each anniversary (up to 35,000 points), 15 Elite Night Credits per calendar year, automatic Silver Elite, Gold Elite after $30,000 net purchases a year (not modelled).
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Marriott hotels: 5 units / CAD 1 · any
- Everything else: 2 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Marriott Bonvoy Business American Express CardCA · American Express · Marriott BonvoyCAD 150.00standard / year
Model notes: FX fee: the official agreement confirms a conversion commission set in the information box, which could not be retrieved. The 2.5% is from Milesopedia (secondary). The schema's 'travel' includes hotels, but this card's 3x travel excludes lodging. hotel_hilton is pinned to 2, and any other non-Marriott hotel should also be treated as 2. The 3x travel clause names no country, but the general program definition of 'eligible' says Amex merchants in Canada, so foreign travel and foreign Marriott earn are not explicitly confirmed. No earn caps stated. Interest 21.99% purchases and funds advances. Supplementary cards $50 each (max 99). Benefits page: Annual Free Night Award up to 35,000 points, 15 Elite Night Credits a year, automatic Silver Elite, Gold Elite after $30,000 net purchases (not modelled).
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Marriott hotels: 5 units / CAD 1 · any
- Gas & EV charging: 3 units / CAD 1 · domestic
- Dining & delivery: 3 units / CAD 1 · domestic
- Travel (general): 3 units / CAD 1 · any
- Hilton hotels: 2 units / CAD 1 · any
- Everything else: 2 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
- Amex Canada, Compare Marriott Bonvoy credit cards (official)
- Marriott Bonvoy Business American Express Card (official)
- Marriott Bonvoy Business Card benefits (official)
- Marriott Bonvoy Business Amex Cardmember Agreement 50498176 (09/26) (official)
- Milesopedia (secondary, used only for the 2.5% FX figure)
- Marriott, Canadian co-brand card benefits (official)
BMO6 cards
BMO Ascend World Elite MastercardCA · BMO · BMO RewardsCAD 150.00standard / year
Model notes: Four DragonPass person-visits per calendar year; enrollment and lounge confirmation required. CAD 15,000 annual travel cap; separate CAD 10,000 caps for dining, entertainment and recurring bills. Fee rebate and statement credits not assumed.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Travel (general): 5 units / CAD 1 · any · CAD 15,000.00 / annual
- Dining & delivery: 3 units / CAD 1 · any · CAD 10,000.00 / annual
- Entertainment: 3 units / CAD 1 · any · CAD 10,000.00 / annual
- Recurring bills: 3 units / CAD 1 · any · CAD 10,000.00 / annual
- Everything else: 1 units / CAD 1 · any
DragonPass / Visa Airport Companion · 4 · guests 10
Official / supporting sources
BMO CashBack MastercardCA · BMO · Cash back (CAD)CAD 0.00standard / year
Model notes: Canadian merchant bonuses only. Each statement-cycle cap is annualized assuming steady monthly purchases; introductory bonus excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 3 units / CAD 1 · domestic · CAD 500.00 / monthly
- Recurring bills: 1 units / CAD 1 · domestic · CAD 500.00 / monthly
- Everything else: 0.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
BMO CashBack World Elite MastercardCA · BMO · Cash back (CAD)CAD 139.00standard / year
Model notes: Monthly caps annualized assuming steady monthly spend. First-year fee rebate is not automatic.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 5 units / CAD 1 · domestic · CAD 500.00 / monthly
- Transit & rideshare: 4 units / CAD 1 · domestic · CAD 300.00 / monthly
- Gas & EV charging: 3 units / CAD 1 · domestic · CAD 300.00 / monthly
- Recurring bills: 2 units / CAD 1 · domestic · CAD 500.00 / monthly
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
BMO eclipse Visa InfiniteCA · BMO · BMO RewardsCAD 120.00standard / year
Model notes: Canadian merchant bonus categories share CAD 50,000/year. Authorized-user 10% point boost, lifestyle credit and portal offers excluded. Annualized recurring value. Welcome bonuses, first-year cash-back matching and automatic fee rebates are excluded; set the actual fee to zero if you qualify.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Dining & delivery: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Gas & EV charging: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Transit & rideshare: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
BMO VIPorter MastercardCA · BMO · Porter Airlines VIPorterCAD 89.00standard / year
Model notes: Caps reset January 1. BMO's terms also mention a 'VIPorter World Mastercard' variant with the same earn rates, issued depending on eligibility. Not modelled: free bags, seat selection, Avid Traveller status.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Porter: 2 units / CAD 1 · any · CAD 10,000.00 / annual
- Gas & EV charging: 1 units / CAD 1 · any · CAD 3,000.00 / annual
- Transit & rideshare: 1 units / CAD 1 · any · CAD 3,000.00 / annual
- Groceries: 1 units / CAD 1 · any · CAD 5,000.00 / annual
- Dining & delivery: 1 units / CAD 1 · any · CAD 5,000.00 / annual
- Other hotels: 1 units / CAD 1 · any · CAD 3,000.00 / annual
- Everything else: 0.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
BMO VIPorter World Elite MastercardCA · BMO · Porter Airlines VIPorterCAD 199.00standard / year
Model notes: All caps reset on January 1. Mastercard Travel Pass is paid entry only, so no lounge benefit. Not modelled: annual companion pass, free bags, seat selection, Avid Traveller status, status-qualifying spend, Instacart+.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Porter: 3 units / CAD 1 · any · CAD 20,000.00 / annual
- Gas & EV charging: 2 units / CAD 1 · any · CAD 5,000.00 / annual
- Transit & rideshare: 2 units / CAD 1 · any · CAD 5,000.00 / annual
- Groceries: 2 units / CAD 1 · any · CAD 10,000.00 / annual
- Dining & delivery: 2 units / CAD 1 · any · CAD 10,000.00 / annual
- Other hotels: 2 units / CAD 1 · any · CAD 5,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Brim Financial2 cards
Air France KLM World Elite Mastercard (Canada)CA · Brim Financial · Air France-KLM Flying BlueCAD 132.00standard / year
Model notes: Not modelled: Flying Blue miles accelerator (tied to the member number, not card payment), Brim merchant offers, XP bonuses, mile-validity extension. Dining MCC list and any cap not confirmed (cardholder agreement not read). No lounge benefit.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Dining & delivery: 2 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Brim World Elite MastercardCA · Brim Financial · Brim RewardsCAD 89.00standard / year
Model notes: Current issuer terms show 1 point/CAD 1 and 1.5% FX, rather than older 2% earning / zero-FX claims. Travel Pass membership is paid-entry access, so no complimentary lounge value is counted.
FX fee: 1.5% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Canadian Tire Bank1 card
Triangle World Elite MastercardCA · Canadian Tire Bank · Canadian Tire Money (Triangle Rewards)CAD 0.00standard / year
Model notes: NOT modelled as categories because they are merchant-specific, not category-wide: (1) 4% back in CT Money on almost everything at Canadian Tire, Sport Chek, Mark's, L'Equipeur, Party City, Atmosphere and other Canadian Tire-family banners. These stores sell automotive, sporting goods, clothing and housewares, and the 4% does NOT apply at other home-improvement stores (Home Depot, RONA, Home Hardware), so mapping it to home_improvement would overstate the card. Per the footnotes, 4% = the Triangle Rewards everyday 10x (0.4%) plus a 30x cardholder bonus. No cap is stated on the 4%. (2) Fuel: 7 cents/L in CT Money on premium and 5 cents/L on other grades at Gas+ and Petro-Canada (whole litres, rounded down; rate can vary by location). This is per litre, not a percentage. Other gas stations earn the 1% base. No annual fee. Income requirement: $80,000 personal or $150,000 household. FX fee: the 'Mastercard conversion rate plus 2.5%' disclosure sits under the 'Information for the Triangle Mastercard' heading. No separate World Elite disclosure was found, so 2.5% is assumed and confidence is medium. Footnote 2 also mentions a '1.5% and 3%' rate on the first $12,000, which conflicts with the headline 3%. 3% is used here. CT Money is redeemable only at Canadian Tire-family stores.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Groceries: 3 units / CAD 1 · any · CAD 12,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Capital One2 cards
Capital One Quicksilver World Elite Mastercard (Canada)CA · Capital One · Cash back (CAD)CAD 0.00standard / year
Model notes: Steady-state 3% groceries/fuel and 1% other purchases; first-year matching excluded. Costco/Walmart are not eligible groceries. World and World Elite have different eligibility/insurance; avoid treating identical reward variants as two needed cards.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 3 units / CAD 1 · any
- Gas & EV charging: 3 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Capital One Quicksilver World Mastercard (Canada)CA · Capital One · Cash back (CAD)CAD 0.00standard / year
Model notes: Steady-state 3% groceries/fuel and 1% other purchases; first-year matching excluded. Costco/Walmart are not eligible groceries. World and World Elite have different eligibility/insurance; avoid treating identical reward variants as two needed cards.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 3 units / CAD 1 · any
- Gas & EV charging: 3 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
CIBC11 cards
CIBC Aeroplan Visa Business CardCA · CIBC · AeroplanCAD 180.00standard / year
Model notes: Bonus rates apply to the first $80,000 of net annual card purchases, and ALL purchases count toward that limit, so the cap overstates bonus room for mixed spenders. From Jan 12, 2027 the fee becomes $200. Maple Leaf: 1 one-time pass per $10,000 of spend, max 4 a year, domestic and transborder lounges on AC-operated flights; modelled loosely as 4 visits. Not modelled: SQC, free first bag.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Air Canada: 2 units / CAD 1 · any · CAD 80,000.00 / annual
- Hyatt: 2 units / CAD 1 · any
- Travel (general): 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Transit & rideshare: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Dining & delivery: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Shipping: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Phone / internet / cable: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Everything else: 1 units / CAD 1 · any
Air Canada Maple Leaf · 4 · guests 3
Official / supporting sources
CIBC Aeroplan Visa Business Plus CardCA · CIBC · AeroplanCAD 139.00standard / year
Model notes: Separate product from the Aeroplan Visa Business Card (business-liability agreement). Same earn structure and the same $80,000 limit counting all purchases. Maple Leaf passes: 1 per $10,000 of spend, max 4 a year, modelled loosely.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Air Canada: 2 units / CAD 1 · any · CAD 80,000.00 / annual
- Hyatt: 2 units / CAD 1 · any
- Travel (general): 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Transit & rideshare: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Dining & delivery: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Shipping: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Phone / internet / cable: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Everything else: 1 units / CAD 1 · any
Air Canada Maple Leaf · 4 · guests 3
Official / supporting sources
CIBC Aeroplan Visa InfiniteCA · CIBC · AeroplanCAD 139.00standard / year
Model notes: 2026 fee; CAD 159 effective January 12, 2027. No lounge value assumed. Airline status and baggage benefits excluded. Issuer cap counts all account purchases; this bonus-category pool is an approximation when non-bonus spending is large.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Gas & EV charging: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Air Canada: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
CIBC Aeroplan Visa Infinite PrivilegeCA · CIBC · AeroplanCAD 599.00standard / year
Model notes: CAD 699 effective January 12, 2027. Six DragonPass person-visits plus eligible North American Maple Leaf lounges. Registration/flight rules apply. Cap counts all account purchases; bonus-category pool is an approximation for mixed spending.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Gas & EV charging: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Travel (general): 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Dining & delivery: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Air Canada: 2 units / CAD 1 · any · CAD 100,000.00 / annual
- Everything else: 1.25 units / CAD 1 · any
DragonPass / Visa Airport Companion · 6 · guests 10 / Air Canada Maple Leaf · ∞ · guests 1
Official / supporting sources
CIBC Aeroplan® Visa* CardCA · CIBC · AeroplanCAD 0.00standard / year
Model notes: No-fee Aeroplan card. The bonus rate applies only to the first $40,000 of total card purchases a year (any merchant). Earns twice at partners; 4th hotel night free on points; from Jan 12 2027, 15% off eligible Air Canada flight rewards.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Air Canada: 1 units / CAD 1 · any · CAD 40,000.00 / annual
- Groceries: 1 units / CAD 1 · any · CAD 40,000.00 / annual
- Gas & EV charging: 1 units / CAD 1 · any · CAD 40,000.00 / annual
- Everything else: 0.6667 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
CIBC Aventura® Gold Visa* CardCA · CIBC · CIBC AventuraCAD 139.00standard / year
Model notes: Earn 2 points per $1 on CIBC Rewards Centre travel (no cap), 1.5 at grocery, gas/EV and drug stores on the first $80,000 of total annual card purchases (resets after the December statement), 1 elsewhere. Four Visa Airport Companion (DragonPass) visits a year, usable for guests. Same earn and fee as the Aventura Visa Infinite without Visa Infinite income requirements ($15,000 household income). Welcome offer (up to 60,000 points, first-year fee rebate) excluded.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- CIBC Rewards Centre · hotels & cars: 2 units / CAD 1 · any
- CIBC Rewards Centre · flights: 2 units / CAD 1 · any
- Groceries: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Gas & EV charging: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Drugstores: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Everything else: 1 units / CAD 1 · any
DragonPass / Visa Airport Companion · 4 · guests 3
Official / supporting sources
CIBC Aventura® Visa Infinite Privilege* CardCA · CIBC · CIBC AventuraCAD 499.00standard / year
Model notes: Earn 3 points per $1 on CIBC Rewards Centre travel (no cap), 2 on grocery, dining, gas/EV, Canadian commuter transit/taxi/rideshare and entertainment on the first $200,000 of total annual card purchases, 1.25 elsewhere. Drug stores earn the base rate. Six Visa Airport Companion (DragonPass) visits a year, usable for guests. Additional cards $99 each. Business-class Aventura chart and welcome offer (up to 80,000 points) excluded.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- CIBC Rewards Centre · hotels & cars: 3 units / CAD 1 · any
- CIBC Rewards Centre · flights: 3 units / CAD 1 · any
- Groceries: 2 units / CAD 1 · any · CAD 200,000.00 / annual
- Dining & delivery: 2 units / CAD 1 · any · CAD 200,000.00 / annual
- Gas & EV charging: 2 units / CAD 1 · any · CAD 200,000.00 / annual
- Transit & rideshare: 2 units / CAD 1 · domestic · CAD 200,000.00 / annual
- Entertainment: 2 units / CAD 1 · any · CAD 200,000.00 / annual
- Everything else: 1.25 units / CAD 1 · any
DragonPass / Visa Airport Companion · 6 · guests 5
Official / supporting sources
CIBC Aventura® Visa Infinite* CardCA · CIBC · CIBC AventuraCAD 139.00standard / year
Model notes: Earn 2 points per $1 on CIBC Rewards Centre travel (no cap), 1.5 at grocery, gas/EV and drug stores on the first $80,000 of total annual card purchases (resets after the December statement), 1 elsewhere. Four Visa Airport Companion (DragonPass) visits a year, usable for guests. Visa Infinite income requirements apply. Welcome offer (up to 60,000 points, first-year fee rebate) excluded.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- CIBC Rewards Centre · hotels & cars: 2 units / CAD 1 · any
- CIBC Rewards Centre · flights: 2 units / CAD 1 · any
- Groceries: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Gas & EV charging: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Drugstores: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Everything else: 1 units / CAD 1 · any
DragonPass / Visa Airport Companion · 4 · guests 3
Official / supporting sources
CIBC Aventura® Visa* CardCA · CIBC · CIBC AventuraCAD 0.00standard / year
Model notes: No-fee Aventura card. 1 point per $1 on CIBC Rewards Centre travel and at grocery, gas/EV and drug stores (the latter only on the first $6,000 of total annual card purchases), 1 point per $2 elsewhere. No lounge access. The $6,000 cap comes from the benefits guide, which may be older than the product page; the product page does not mention a cap. A student version (CIBC Aventura Visa Card for Students) has the same earn and fee and is not listed separately. Welcome offer (up to 12,500 points) excluded.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- CIBC Rewards Centre · hotels & cars: 1 units / CAD 1 · any
- CIBC Rewards Centre · flights: 1 units / CAD 1 · any
- Groceries: 1 units / CAD 1 · any · CAD 6,000.00 / annual
- Gas & EV charging: 1 units / CAD 1 · any · CAD 6,000.00 / annual
- Drugstores: 1 units / CAD 1 · any · CAD 6,000.00 / annual
- Everything else: 0.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
CIBC Dividend Visa InfiniteCA · CIBC · Cash back (CAD)CAD 120.00standard / year
Model notes: 4%/2% categories share CAD 20,000 in annual bonus spending. The additional CAD 50,000 all-account-purchase cutoff is not modeled, so large wallets can overestimate this card. Expedia-only bonuses excluded. Annualized recurring value. Welcome bonuses, first-year cash-back matching and automatic fee rebates are excluded; set the actual fee to zero if you qualify.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 4 units / CAD 1 · any · CAD 20,000.00 / annual
- Gas & EV charging: 4 units / CAD 1 · any · CAD 20,000.00 / annual
- Dining & delivery: 2 units / CAD 1 · any · CAD 20,000.00 / annual
- Transit & rideshare: 2 units / CAD 1 · any · CAD 20,000.00 / annual
- Recurring bills: 2 units / CAD 1 · any · CAD 20,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Simplii Financial Cash Back VisaCA · CIBC · Cash back (CAD)CAD 0.00standard / year
Model notes: Dining capped at CAD 5,000/year; fuel, grocery, pharmacy and pre-authorized payments share CAD 15,000/year. Introductory rates excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Dining & delivery: 4 units / CAD 1 · any · CAD 5,000.00 / annual
- Groceries: 1.5 units / CAD 1 · any · CAD 15,000.00 / annual
- Gas & EV charging: 1.5 units / CAD 1 · any · CAD 15,000.00 / annual
- Drugstores: 1.5 units / CAD 1 · any · CAD 15,000.00 / annual
- Recurring bills: 1.5 units / CAD 1 · any · CAD 15,000.00 / annual
- Everything else: 0.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Equitable Bank (EQ Bank)1 card
EQ Bank CardCA · Equitable Bank (EQ Bank) · Cash back (CAD)CAD 0.00standard / year
Model notes: EQ calls it a 'prepaid reloadable card', and its press release says 'prepaid reloadable Mastercard issued by Equitable Bank'. It is loaded from, and linked to, the EQ Bank Personal Account, and the card balance earns the same interest as that account. No monthly or annual fees. No foreign transaction fee: the Mastercard Currency Conversion rate applies with no markup. EQ reimburses ATM fees charged in Canada, but not ATM-operator fees abroad.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 0.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
MBNA1 card
MBNA Rewards World Elite MastercardCA · MBNA · MBNA RewardsCAD 120.00standard / year
Model notes: CAD 50,000 cap per bonus category. Household utilities/membership bonuses and birthday bonus excluded because mixed recurring bills cannot reliably identify eligible merchants.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 5 units / CAD 1 · any · CAD 50,000.00 / annual
- Dining & delivery: 5 units / CAD 1 · any · CAD 50,000.00 / annual
- Streaming: 5 units / CAD 1 · any · CAD 50,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
National Bank of Canada1 card
National Bank World Elite MastercardCA · National Bank of Canada · National Bank À la carte RewardsCAD 150.00standard / year
Model notes: 2 pts/$ also on travel booked through the À la carte Travel agency on the rewards site (not modelled, since general travel earns 1x). Each purchase earns in one category only, whichever rate is best. Additional card has an annual fee, but the amount didn't render on the official page (unverified). FX 2.5% is NBC's general credit card rate (help centre); the card agreement points to a summary table that couldn't be retrieved. Income requirement $80k personal or $150k household. Up to $150 per calendar year in travel expense reimbursements (parking, baggage, seat selection, lounge, upgrades).
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- National Bank À la carte Travel · hotels & cars: 2 units / CAD 1 · any
- National Bank À la carte Travel · flights: 2 units / CAD 1 · any
- Groceries: 5 units / CAD 1 · any · CAD 2,500.00 / monthly
- Dining & delivery: 5 units / CAD 1 · any · CAD 2,500.00 / monthly
- Groceries: 2 units / CAD 1 · any
- Dining & delivery: 2 units / CAD 1 · any
- Gas & EV charging: 2 units / CAD 1 · any
- Recurring bills: 2 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
National Bank Lounge · ∞ · guests 1
Official / supporting sources
Neo Financial5 cards
Cathay World Elite Mastercard – powered by NeoCA · Neo Financial · Cathay Asia MilesCAD 180.00standard / year
Model notes: Mastercard Travel Pass gives DragonPass membership only (visits paid), so no lounge benefit is modelled. Welcome bonus 15,000 Asia Miles on approval plus 20,000 after $5,000 (new Neo customers). Not available in Quebec.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Cathay Pacific: 4 units / CAD 1 · any
- Everything else: 2 units / CAD 1 · foreign
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Neo World Elite Mastercard · EverywhereCA · Neo Financial · Cash back (CAD)CAD 149.00standard / year
Model notes: Unboosted category rates and monthly caps. Uses 3% FX before optional Grow reimbursement; no fee rebate or balance-dependent bonus assumed. Paid lounge membership is not complimentary entry.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 2 units / CAD 1 · any · CAD 4,000.00 / monthly
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Neo World Elite Mastercard · Gas & GroceryCA · Neo Financial · Cash back (CAD)CAD 149.00standard / year
Model notes: Unboosted category rates and monthly caps. Uses 3% FX before optional Grow reimbursement; no fee rebate or balance-dependent bonus assumed. Paid lounge membership is not complimentary entry.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 5 units / CAD 1 · any · CAD 1,000.00 / monthly
- Gas & EV charging: 3 units / CAD 1 · any · CAD 1,000.00 / monthly
- Recurring bills: 4 units / CAD 1 · any · CAD 500.00 / monthly
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Neo World Elite Mastercard · Shop & DineCA · Neo Financial · Cash back (CAD)CAD 149.00standard / year
Model notes: Unboosted category rates and monthly caps. Retail-shopping-only 3% is excluded because the online-shopping row can include ineligible Amazon and wholesale purchases. Uses 3% FX before optional Grow reimbursement; no fee rebate or balance-dependent bonus assumed. Paid lounge membership is not complimentary entry.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Dining & delivery: 5 units / CAD 1 · any · CAD 1,000.00 / monthly
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
United MileagePlus Neo World Elite MastercardCA · Neo Financial · United MileagePlusCAD 89.00standard / year
Model notes: Launched April 2026. FX: Neo's official fee page says 3%; secondary sources say 2.5%; the official figure is used. Not modelled: 5,000-mile renewal bonus, free first bag and Group 2 boarding on United, NEXUS credit, Neo partner offers. No lounge access.
FX fee: 3% · Checked: 2026-10-26
Modeled earn rates
- United: 1.25 units / CAD 1 · any
- Air Canada: 1.25 units / CAD 1 · any
- EVA Air: 1.25 units / CAD 1 · any
- Groceries: 1 units / CAD 1 · any
- Dining & delivery: 1 units / CAD 1 · any
- Everything else: 0.75 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
PC Financial1 card
PC World Elite MastercardCA · PC Financial · PC OptimumCAD 0.00standard / year
Model notes: Card-attributable points only: 30/$ at participating Loblaw banners and Shoppers, 10/$ elsewhere. Shoppers advertises 45/$ total, but 15 loyalty points are earned regardless of payment and excluded here. Per-litre Esso/Mobil bonuses and personalized offers excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Loblaw-banner groceries: 30 units / CAD 1 · domestic
- Shoppers / Pharmaprix: 30 units / CAD 1 · domestic
- Everything else: 10 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Peoples Trust Company1 card
PayPower Prepaid MastercardCA · Peoples Trust Company · Cash back (CAD)CAD 12.00standard / year
Model notes: UNVERIFIED AGAINST OFFICIAL TERMS: paypower.ca is a JavaScript-only app, so none of its fee or terms pages could be read. Every figure here comes from third-party sources dated 2026. What it is: a Mastercard prepaid card issued by Peoples Trust Company under licence from Mastercard (not a credit card), bought or loaded at retailers and now mainly issued as a digital reloadable card in the PayPower app (the physical black reloadable card is reported as discontinued). annual_fee = 12 assumes the reported $1/month maintenance fee on the digital reloadable card. The old physical reloadable card was $4.95/month. FX: 3% of the converted amount (several sources agree). Reported load fees: $6.95 for an in-store/cash load, online debit $3.95, online credit $4.95 (Amex not accepted), Interac e-Transfer $1, direct deposit free. On the cardholder's belief: $6.95 matches the in-store load fee, but $500 is the maximum per load transaction (loads run from $20 up to $500), not a fixed increment. Other reported fees: bill payment $1.95 (with daily/7-day/30-day caps), domestic ATM $1.95. One source says in-store loads at Canada Post end Dec 3, 2026. Check the PayPower app before relying on any of this.
FX fee: 3% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 0 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
- PayPower Limits and Fees (official; JavaScript app, content could not be read 2026-10-23)
- Reloadable PayPower Prepaid Mastercard Cardholder Agreement (official; could not be read 2026-10-23)
- Savvy New Canadians PayPower review (updated Sept 1, 2026), third-party
- Frugal Flyer PayPower guide (updated Sept 22, 2026), third-party, issuer = Peoples Trust Company
- Perkfox PayPower digital card guide (updated Oct 9, 2026), third-party
RBC9 cards
RBC Cash Back Preferred World Elite MastercardCA · RBC · Cash back (CAD)CAD 120.00standard / year
Model notes: Uses the current issuer page: CAD 120/year, 3% eligible categories and 1% other purchases. Older CAD 99 / flat 1.5% versions are not used. Gaming and merchant promotions excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 3 units / CAD 1 · any
- Dining & delivery: 3 units / CAD 1 · any
- Gas & EV charging: 3 units / CAD 1 · any
- Transit & rideshare: 3 units / CAD 1 · any
- Streaming: 3 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
WestJet RBC World Elite MastercardCA · RBC · WestJet RewardsCAD 139.00standard / year
Model notes: Use the WestJet direct row for airline purchases. Companion voucher, checked bags, airline status, optional voucher-to-lounge exchanges and banking relationship offers excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- WestJet: 2 units / CAD 1 · any
- Groceries: 2 units / CAD 1 · any
- Gas & EV charging: 2 units / CAD 1 · any
- Transit & rideshare: 2 units / CAD 1 · any
- Everything else: 1.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
RBC Avion Visa InfiniteCA · RBC · RBC Avion RewardsCAD 120.00standard / year
Model notes: Additional card $50. FX: 2.5% over RBC benchmark rate (Avion disclosure PDF dated 05/2022; same 2.5% wording in RBC's 11/2025 ION application). Income requirement $60k personal or $100k household. Welcome offer (apply by Nov 25, 2026): 35,000 pts on approval, 20,000 after $5,000 spend in 6 months, 15,000 one-time anniversary bonus. No earn caps stated.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Travel (general): 1.25 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
RBC Avion Visa Infinite BusinessCA · RBC · RBC Avion RewardsCAD 175.00standard / year
Model notes: Additional cards $75 each (max 9). The $75,000 cap counts ALL net purchases per card. 20% bonus Avion points at Petro-Canada with a linked card (not modelled). The Hertz 3X offer ended Feb 7, 2024. Current offer (Aug 25 to Nov 30, 2026): first-year fee waived for the primary owner; bonus points tied to $5,000 spend in 3 months and another $15,000 in 6 months. The page's welcome-point amounts are inconsistent (25k+20k vs 35k).
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 1.25 units / CAD 1 · any · CAD 75,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
RBC Avion Visa PlatinumCA · RBC · RBC Avion RewardsCAD 120.00standard / year
Model notes: Not modelled: Petro-Canada linking (3 cents/L off and 20% more points there), retail partner offers.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
RBC British Airways Visa InfiniteCA · RBC · British Airways Club AviosCAD 165.00standard / year
Model notes: Companion Voucher after $30,000 in a calendar year (companion flies on the same reward flight for no extra Avios, or 50% off for one; BA flights from Canada, valid 24 months). Welcome bonus 50,000 Avios after $6,000 in 90 days. Income $60k personal or $100k household.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- British Airways: 3 units / CAD 1 · any
- Dining & delivery: 2 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
RBC Cash Back MastercardCA · RBC · Cash back (CAD)CAD 0.00standard / year
Model notes: Terms from Oct 1, 2026. Not modelled: limited-time 5% on the first $2,000 for 6 months.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Groceries: 2 units / CAD 1 · any
- Costco: 0.5 units / CAD 1 · any
- Walmart & superstores: 0.5 units / CAD 1 · any
- Gas & EV charging: 1 units / CAD 1 · any
- Transit & rideshare: 1 units / CAD 1 · any
- Everything else: 0.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
RBC ION VisaCA · RBC · RBC Avion Select · ION / ION+ aloneCAD 0.00standard / year
Model notes: No caps stated. Welcome offer (apply by Nov 4, 2026): 7,000 pts on approval plus 7,000 after $500 in first 3 months.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Groceries: 1.5 units / CAD 1 · any
- Gas & EV charging: 1.5 units / CAD 1 · any
- Transit & rideshare: 1.5 units / CAD 1 · any
- Streaming: 1.5 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
RBC ION+ VisaCA · RBC · RBC Avion Select · ION / ION+ aloneCAD 48.00standard / year
Model notes: Annual fee $48, advertised as '$4/month'; the official page doesn't say whether it is billed monthly or yearly. Fee rebated for eligible RBC Signature No Limit Banking / student account holders. No caps stated on 3X. FX 2.5% is inferred: no ION+-specific official document stating it could be retrieved (RBC's 11/2025 ION Visa application and other RBC disclosures all state 2.5% over benchmark). Welcome offer (apply by Nov 4, 2026): 7,000 pts on approval, 14,000 after $1,500 in 6 months, 7,000 anniversary bonus.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Groceries: 3 units / CAD 1 · any
- Dining & delivery: 3 units / CAD 1 · any
- Gas & EV charging: 3 units / CAD 1 · any
- Transit & rideshare: 3 units / CAD 1 · any
- Streaming: 3 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Rogers Bank4 cards
Rogers Red MastercardCA · Rogers Bank · Cash back (CAD)CAD 0.00standard / year
Model notes: Rogers' entry-level card. Modelled without Rogers services. Nov 18, 2026 changes not modelled.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 2 units / CAD 1 · foreign · CAD 16,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Rogers Red World Elite MastercardCA · Rogers Bank · Cash back (CAD)CAD 0.00standard / year
Model notes: Cardholder claim VERIFIED: without a Rogers/Fido/Shaw service the base rate is 1.5% (2% requires >=1 qualifying postpaid consumer service in good standing). USD purchases earn 3% regardless of service status. No minimum annual spend: the former $15,000 requirement was removed April 9, 2024. No annual fee. NEW since Aug 4, 2026: $61,000 Annual Cap on Annual Spend (anniversary year). At or above the cap, all eligible purchases earn 1.5 points per $1. The legal text says this equals a 'Rewards value of 1%', but the tables in the same documents say 1.5% and points redeem at $0.01 each, so 1.5% is used here. For a non-Rogers customer the cap therefore only removes the 3% USD rate. The product page still says 'unlimited' and doesn't mention the cap. From Nov 18, 2026: 5% on Eligible Rogers Purchases (irrelevant without Rogers services) and the 1.5x Rogers redemption bonus is removed; trip cancellation/interruption/delay insurance is also removed. Redemption minimum $10.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 3 units / CAD 1 · foreign · CAD 61,000.00 / annual
- Everything else: 1.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
- Rogers Red World Elite Mastercard (official product page)
- Rogers Red World Elite Mastercard Benefits Guide (08/2026), s.4 earn rates, s.13 Annual Cap $61,000
- Rogers Bank change notice (Annual Cap $61,000, effective Aug 4, 2026)
- Rogers Red World Elite upcoming changes (effective Nov 18, 2026)
- Rogers Bank Disclosure Summary (08/2026), FX 2.5% (0% only on Red World Legend)
- Rogers World Elite change notice, $15,000 minimum annual spend removed April 9, 2024
Rogers Red World Legend MastercardCA · Rogers Bank · Cash back (CAD)CAD 495.00standard / year
Model notes: Modelled for a cardholder without Rogers services, like the Red World Elite entry. No FX fee. 6 Plaza Premium visits a year shared between the cardholder and up to 4 guests (each person uses a visit). From Nov 18, 2026: 5% on eligible online Rogers/Fido purchases (not modelled) and the 1.5x Rogers redemption bonus ends. Not modelled: Rogers entertainment credit, Soho House, Avis President's Club.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1.5 units / CAD 1 · any
Plaza Premium (direct card benefit) · 6 · guests 4
Official / supporting sources
Rogers Red World MastercardCA · Rogers Bank · Cash back (CAD)CAD 0.00standard / year
Model notes: Modelled without Rogers services. The cap counts all eligible spend, so the USD rule's cap is an approximation. Nov 18, 2026 changes (5% on eligible Rogers purchases, redemption bonus removed) not modelled.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 2 units / CAD 1 · foreign · CAD 26,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Scotiabank6 cards
Scotia Momentum Visa Infinite +CA · Scotiabank · Cash back (CAD)CAD 120.00standard / year
Model notes: Each tier shares its annual cap. Food-delivery-only 2% is excluded because the dining row includes restaurants. Rent and tax payments are not assumed eligible recurring bills. Annualized recurring value. Welcome bonuses, first-year cash-back matching and automatic fee rebates are excluded; set the actual fee to zero if you qualify.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 4 units / CAD 1 · any · CAD 25,000.00 / annual
- Recurring bills: 4 units / CAD 1 · any · CAD 25,000.00 / annual
- Gas & EV charging: 2 units / CAD 1 · any · CAD 25,000.00 / annual
- Transit & rideshare: 2 units / CAD 1 · any · CAD 25,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Scotiabank Gold American ExpressCA · Scotiabank · Scene+CAD 120.00standard / year
Model notes: Canadian bonus categories only; CAD 50,000 shared annual cap. Selected grocers earn 6x; that merchant-specific extra point is not modeled.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Dining & delivery: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Entertainment: 5 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Gas & EV charging: 3 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Transit & rideshare: 3 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Streaming: 3 units / CAD 1 · domestic · CAD 50,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Scotiabank Passport Visa Infinite +CA · Scotiabank · Scene+CAD 150.00standard / year
Model notes: Six DragonPass person-visits, registration required. Check the specific lounge in Visa Airport Companion. Selected merchant bonuses, travel credit and annual spend bonus excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 2 units / CAD 1 · any · CAD 50,000.00 / annual
- Dining & delivery: 2 units / CAD 1 · any · CAD 50,000.00 / annual
- Entertainment: 2 units / CAD 1 · any · CAD 50,000.00 / annual
- Transit & rideshare: 2 units / CAD 1 · any · CAD 50,000.00 / annual
- Everything else: 1 units / CAD 1 · any
DragonPass / Visa Airport Companion · 6 · guests 10
Official / supporting sources
Scotiabank Passport Visa Infinite Business CardCA · Scotiabank · Scene+CAD 199.00standard / year
Model notes: No foreign transaction fees. Lounge: Visa Airport Companion (DragonPass), 6 visits per membership year shared between cardholders and guests (each person uses one visit); guests:1 is a loose model. Shell fuel discounts not modelled.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1.5 units / CAD 1 · any
DragonPass / Visa Airport Companion · 6 · guests 1
Official / supporting sources
Scotiabank Platinum American ExpressCA · Scotiabank · Scene+CAD 399.00standard / year
Model notes: Priority Pass: ten shared person-visits per membership year. Extra-card visits are not included. Portal multipliers excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 2 units / CAD 1 · any
Priority Pass · 10 · guests 9
Official / supporting sources
Scotiabank Scene+ Visa CardCA · Scotiabank · Scene+CAD 0.00standard / year
Model notes: 2 Scene+ points per $1 applies only at specific merchants, not whole categories, so those rates are not modelled as category rules (a 'grocery 2x' rule would wrongly cover Save-On, Superstore, T&T, Costco and similar): (1) eligible Sobeys-family grocers: Sobeys, Safeway, participating IGA, Foodland and participating Co-ops, FreshCo, Chalo! FreshCo, Thrifty Foods, Rachelle Bery, Les Marches Tradition, and Voila by Sobeys/Safeway/IGA (list may change without notice); (2) Home Hardware and Home Building Centre; (3) Cineplex theatres and cineplex.com. No annual fee for the primary or additional cards. Purchase APR 21.99%, cash advance APR 22.99%. 2.5% foreign currency conversion fee (the card is not on Scotia's exempt list). Welcome offer: up to 5,000 bonus points (2,500 after $250 spend plus 2,500 after $1,000 spend in the first 3 months) for accounts opened July 2 - Nov 1, 2026. Not available to anyone who held a Scotiabank personal credit card in the past 2 years.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Tangerine2 cards
Tangerine Money-Back World MastercardCA · Tangerine · Cash back (CAD)CAD 0.00standard / year
Model notes: Modeled with grocery and restaurant as the two chosen categories. Third savings-account category not assumed; category elections must match your account.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 2 units / CAD 1 · any
- Dining & delivery: 2 units / CAD 1 · any
- Everything else: 0.5 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Tangerine Rewards World Elite MastercardCA · Tangerine · Scene+CAD 120.00standard / year
Model notes: Modeled with grocery, restaurant and gas as your three chosen categories; elections must match your account. Four shared DragonPass person-visits after enrollment. Annual spend bonus and merchant/portal bonuses excluded.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 1.5 units / CAD 1 · any
- Dining & delivery: 1.5 units / CAD 1 · any
- Gas & EV charging: 1.5 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
DragonPass / Visa Airport Companion · 4 · guests 10
Official / supporting sources
TD6 cards
TD Aeroplan Visa InfiniteCA · TD · AeroplanCAD 139.00standard / year
Model notes: Current standard fee; announced CAD 159 renewal change not assumed here. Verify your actual fee. No complimentary lounge access assumed.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Gas & EV charging: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Air Canada: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
TD Cash Back Visa InfiniteCA · TD · Cash back (CAD)CAD 139.00standard / year
Model notes: Transit means public transit, not all rideshare purchases. Streaming and recurring bills share one cap; groceries, fuel and public transit each have separate caps. Annualized recurring value. Welcome bonuses, first-year cash-back matching and automatic fee rebates are excluded; set the actual fee to zero if you qualify.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Groceries: 3 units / CAD 1 · any · CAD 15,000.00 / annual
- Gas & EV charging: 3 units / CAD 1 · any · CAD 15,000.00 / annual
- Transit & rideshare: 3 units / CAD 1 · any · CAD 15,000.00 / annual
- Recurring bills: 3 units / CAD 1 · any · CAD 15,000.00 / annual
- Streaming: 3 units / CAD 1 · any · CAD 15,000.00 / annual
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
TD First Class Travel Visa InfiniteCA · TD · TD RewardsCAD 139.00standard / year
Model notes: Public-transit-only bonus approximates the broader transit row. Portal-only 8x, birthday bonus, travel credit and welcome offers excluded. Four shared DragonPass person-visits require enrollment and a verified lounge.
FX fee: 2.5% · Checked: 2026-10-24
Modeled earn rates
- Expedia For TD · hotels & cars: 8 units / CAD 1 · any
- Expedia For TD · flights: 8 units / CAD 1 · any
- Groceries: 6 units / CAD 1 · any · CAD 25,000.00 / annual
- Dining & delivery: 6 units / CAD 1 · any · CAD 25,000.00 / annual
- Transit & rideshare: 6 units / CAD 1 · any · CAD 25,000.00 / annual
- Recurring bills: 4 units / CAD 1 · any · CAD 25,000.00 / annual
- Streaming: 4 units / CAD 1 · any · CAD 25,000.00 / annual
- Everything else: 2 units / CAD 1 · any
DragonPass / Visa Airport Companion · 4 · guests 3
Official / supporting sources
TD Aeroplan Visa Business CardCA · TD · AeroplanCAD 149.00standard / year
Model notes: Earn rates and the cap are high confidence, confirmed on both the TD product page and the Cardholder Agreement. One $80,000 annual cap is shared by the 2x Air Canada and all 1.5x categories, after which spend earns 1. EV charging (business use) earns 1.5, but the schema's 'gas' category also covers gas stations, which earn 1, so no gas rule is set. Hyatt: 2 points per $1 at participating Hyatt properties (in place of base, separate $80,000 cap, July 15 2026 to July 15 2029), plus 1 World of Hyatt point per $1. Not modelled, so Hyatt falls under travel at 1.5. FX fee: the agreement says conversion is at the Visa rate plus a fixed percentage shown in the Disclosure Statement, which could not be retrieved. 2.5% is from Milesopedia and matches TD's official 2.5% for the TD Aeroplan Visa Infinite. Interest 14.99% purchases and 22.99% cash advances. Additional cardholder $49. TD FAQ: the annual fee rises to $169 (additional $54) effective January 25, 2027, with new benefits from January 12, 2027 (FLY15OFF, $50/yr AC Wallet credit, 4th night/day free). Lounge pass per $10,000 net purchases (max 4/yr), 1,000 SQC per $20,000 (max 25,000).
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Air Canada: 2 units / CAD 1 · any · CAD 80,000.00 / annual
- Travel (general): 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Transit & rideshare: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Dining & delivery: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Shipping: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Recurring bills: 1.5 units / CAD 1 · any · CAD 80,000.00 / annual
- Online shopping: 1 units / CAD 1 · any
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
- TD Aeroplan Visa Business Card (official product page)
- TD Aeroplan Visa Business Cardholder Agreement (official, linked from td.com/businessagreements)
- TD Aeroplan Visa Business Card FAQ, 2027 changes (official)
- TD notice of change, EV charging added to 1.5x (official)
- Milesopedia (secondary, used only for the 2.5% FX figure)
TD® Aeroplan® Visa Infinite Privilege* Credit CardCA · TD · AeroplanCAD 599.00standard / year
Model notes: Free first checked bag for you and up to 8 companions; Worldwide Companion Pass after $25,000 a card year; Air Canada priority services; NEXUS credit; 1,000 SQC per $5,000 up to 25,000; World of Hyatt Discoverist. The free Maple Leaf guest is stated through Dec 31 2026. Visa Airport Companion (DragonPass) 6 visits a year, guests use visits. Secondary sources report the fee rising to $699 and worldwide Maple Leaf access with a companion from Jan 2027.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Air Canada: 2 units / CAD 1 · any · CAD 100,000.00 / annual
- Hyatt: 2 units / CAD 1 · any · CAD 100,000.00 / annual
- Gas & EV charging: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Groceries: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Travel (general): 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Transit & rideshare: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Dining & delivery: 1.5 units / CAD 1 · any · CAD 100,000.00 / annual
- Everything else: 1.25 units / CAD 1 · any
Air Canada Maple Leaf · ∞ · guests 1 / DragonPass / Visa Airport Companion · 6 · guests 10
Official / supporting sources
TD® Aeroplan® Visa Platinum* Credit CardCA · TD · AeroplanCAD 89.00standard / year
Model notes: TD's lowest-fee Aeroplan card. Earns twice at Aeroplan partners; Family Sharing; travel and mobile device insurance. No free bag, lounge, companion pass or SQC.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Air Canada: 1 units / CAD 1 · any · CAD 80,000.00 / annual
- Gas & EV charging: 1 units / CAD 1 · any · CAD 80,000.00 / annual
- Groceries: 1 units / CAD 1 · any · CAD 80,000.00 / annual
- Everything else: 0.6667 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Vancity1 card
Vancity enviro Visa Infinite cardCA · Vancity · Vancity RewardsCAD 120.00standard / year
Model notes: This is the rewards version: $120 annual fee, 19.50% APR. The separate 'Low Interest Rate plus Vancity Rewards' version costs $145 at 11.25% APR. Full annual-fee rebate for the primary Total Chequing Account holder, and new cardholders get two annual-fee rebates (years 1-2). Additional cards are $50 each. Not modelled: 10 points per $1 at select local partners (named: Modo, JJ Bean, Fresh Prep; the list may change), and 'double points' on flights, hotels and car rentals booked through rewards.vancity.com. FX: Visa exchange rate plus a 2.5% administration fee. Eligibility: BC resident, 19+, and one of: $60,000 personal income, $100,000 household income, $15,000 annual card spend, or $250,000+ investable assets. Cash-back redemption needs a Vancity deposit account.
FX fee: 2.5% · Checked: 2026-10-23
Modeled earn rates
- Groceries: 2.5 units / CAD 1 · any
- Transit & rideshare: 5 units / CAD 1 · any
- Everything else: 1.25 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Wealthsimple4 cards
Wealthsimple Visa Infinite +CA · Wealthsimple · Cash back (CAD)CAD 240.00standard / year
Model notes: CAD 20 monthly fee annualized. A qualifying deposit/assets waiver must be entered as actual annual fee 0; no waiver assumed. Privilege includes six shared person-visits after enrollment; the Infinite + variant does not automatically inherit them. Temporary boosted offers excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 2 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Wealthsimple Visa Infinite 1% Credit CardCA · Wealthsimple · Cash back (CAD)CAD 0.00standard / year
Model notes: Separate product from Visa Infinite+ and Infinite Privilege: 1% instead of 2%, no monthly fee, lower eligibility. Invite-only beta, virtual card during the beta. At application the holder picks 3 benefits for 12 months, one of which is no FX fees; fx_fee_pct is the 2.5% default (0 if that benefit is picked). No complimentary lounge access.
FX fee: 2.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
- Wealthsimple Help Centre, Apply for a Wealthsimple credit card, Oct 15 2026 (official)
- Wealthsimple Help Centre, Premium benefits for the Visa Infinite 1% card (beta), Oct 23 2026 (official)
- Wealthsimple Visa Infinite 1% Disclosure Statement (official): 2.5% FX, no annual fee
- Milesopedia review of the Wealthsimple cards (secondary)
Wealthsimple Visa Infinite PrivilegeCA · Wealthsimple · Cash back (CAD)CAD 240.00standard / year
Model notes: CAD 20 monthly fee annualized. A qualifying deposit/assets waiver must be entered as actual annual fee 0; no waiver assumed. Privilege includes six shared person-visits after enrollment; the Infinite + variant does not automatically inherit them. Temporary boosted offers excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 2 units / CAD 1 · any
DragonPass / Visa Airport Companion · 6 · guests 5
Official / supporting sources
Wealthsimple Visa Platinum Prepaid CardCA · Wealthsimple · Cash back (CAD)CAD 0.00standard / year
Model notes: Cash back does NOT depend on client tier. Core, Premium and Generation tiers change the chequing interest rate, not the card earn rate, and the personal prepaid card earns 0% for every tier. Wealthsimple's cash-back card is now the Wealthsimple Visa Infinite credit card (2% on net purchases, a separate product). The prepaid BUSINESS Visa earns 1% on eligible purchases, but it is a business product that excludes bill payments and pre-authorized debits. Wealthsimple is moving clients in phases from the Wealthsimple Prepaid Mastercard (issued by KOHO Financial Inc.) to the Wealthsimple Visa Platinum Prepaid Card. Once a client switches, the Mastercard is locked. The Visa's legal issuer is not named on the pages read. No FX fee (the network conversion rate still applies), no monthly or annual fee, and ATM fees are reimbursed worldwide. Medium confidence: the personal card's marketing page (wealthsimple.com/en-ca/card) could not be fetched. The 0% comes from the official Help Centre.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 0 units / CAD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
- Wealthsimple Help Centre, prepaid card cash back (0% since Oct 1, 2025)
- Wealthsimple Help Centre, move from prepaid Mastercard to Visa Platinum Prepaid
- Wealthsimple Chequing (official), no FX fee, no ATM fees, no monthly fees
- Wealthsimple Help Centre, 1% cash back on the prepaid BUSINESS Visa card (not this card)
United States84 cards
American Express18 cards
American Express Business Gold (US)US · American Express · American Express Membership Rewards (US)USD 375.00standard / year
Model notes: Conservative BASE-RATE model: 4x on top two eligible US categories (USD 150,000 shared annual cap) is not modeled because actual category ranking changes with allocation. Do not use this base-only comparison to dismiss its business value.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Amex Travel · hotels & cars: 3 units / USD 1 · any
- Amex Travel · flights: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
American Express Business Platinum (US)US · American Express · American Express Membership Rewards (US)USD 895.00standard / year
Model notes: Eligible US shipping/construction categories only. USD 5,000 individual-purchase bonus and technology merchants not identifiable from monthly totals; excluded. Portal flight/hotel bonuses and credits excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Amex Travel · hotels & cars: 5 units / USD 1 · any
- Amex Travel · flights: 5 units / USD 1 · any
- Shipping: 2 units / USD 1 · domestic · USD 2,000,000.00 / annual
- Home improvement: 2 units / USD 1 · domestic · USD 2,000,000.00 / annual
- Everything else: 1 units / USD 1 · any
Priority Pass · ∞ · guests 2 / Centurion · ∞ · guests 0 / Plaza Premium (direct card benefit) · ∞ · guests 0 / Delta Sky Club · 10 · guests 0
Official / supporting sources
American Express Gold (US)US · American Express · American Express Membership Rewards (US)USD 325.00standard / year
Model notes: Direct airline bookings. US supermarkets only. Dining and grocery caps separate; prepaid portal hotels and statement credits excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Amex Travel · hotels & cars: 5 units / USD 1 · any
- Dining & delivery: 4 units / USD 1 · any · USD 50,000.00 / annual
- Groceries: 4 units / USD 1 · domestic · USD 25,000.00 / annual
- Other flights: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
American Express Green Card (US)US · American Express · American Express Membership Rewards (US)USD 150.00standard / year
Model notes: Closed: the cardholder closed theirs, and the catalog keeps it for history. Amex also stopped US applications around July 2026 and renamed it Classic Green on 2026-08-20. The $150 fee is from secondary sources. Excluded: CLEAR+ credit.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Dining & delivery: 3 units / USD 1 · any
- Travel (general): 3 units / USD 1 · any
- Transit & rideshare: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
American Express Platinum (US)US · American Express · American Express Membership Rewards (US)USD 895.00standard / year
Model notes: Direct airline flights only. Centurion guests excluded unless USD 75,000 qualification is separately met. Delta and other conditional networks not assumed. PP enrollment required. Credits excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Amex Travel · hotels & cars: 5 units / USD 1 · any
- Other flights: 5 units / USD 1 · any · USD 500,000.00 / annual
- Everything else: 1 units / USD 1 · any
Priority Pass · ∞ · guests 2 / Centurion · ∞ · guests 0 / Plaza Premium (direct card benefit) · ∞ · guests 0 / Delta Sky Club · 10 · guests 0
Official / supporting sources
Delta SkyMiles Blue American Express CardUS · American Express · Delta SkyMilesUSD 0.00standard / year
Model notes: Not modelled: 20% back on Delta in-flight food and drink; Pay with Miles. No free checked bag. No lounge access.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Delta: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Delta SkyMiles Gold American Express CardUS · American Express · Delta SkyMilesUSD 150.00standard / year
Model notes: $0 the first year, then $150. Not modelled: $200 Delta Flight Credit after $10,000 calendar-year spend; rideshare and Delta Stays credits; first bag free (second bag free domestic); TakeOff 15. No lounge access.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Delta: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Groceries: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Delta SkyMiles Gold Business American Express CardUS · American Express · Delta SkyMilesUSD 150.00standard / year
Model notes: $0 the first year, then $150 (from the page FAQ). Not modelled: $200 Delta Flight Credit after $10,000 calendar-year spend; rideshare and Delta Stays credits; bags; TakeOff 15.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Delta: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Search / social advertising: 2 units / USD 1 · any · USD 50,000.00 / annual
- Shipping: 2 units / USD 1 · any · USD 50,000.00 / annual
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Delta SkyMiles Platinum American Express CardUS · American Express · Delta SkyMilesUSD 350.00standard / year
Model notes: Not modelled: annual Companion Certificate; MQD Headstart and Boost; rideshare, Resy and Delta Stays credits; first and second bag; Global Entry/TSA PreCheck credit. No lounge access.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Delta: 3 units / USD 1 · any
- Other hotels: 3 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Groceries: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Delta SkyMiles Platinum Business American Express CardUS · American Express · Delta SkyMilesUSD 350.00standard / year
Model notes: Not modelled: 1.5X on single purchases of $5,000 or more (shares the $100k cap); Companion Certificate; MQD Headstart and Boost; Resy, rideshare and Delta Stays credits; bags. No Sky Club access.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Delta: 3 units / USD 1 · any
- Other hotels: 3 units / USD 1 · any
- Transit & rideshare: 1.5 units / USD 1 · any · USD 100,000.00 / annual
- Shipping: 1.5 units / USD 1 · any · USD 100,000.00 / annual
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Delta SkyMiles Reserve American Express CardUS · American Express · Delta SkyMilesUSD 650.00standard / year
Model notes: Sky Club: 15 visits per Medallion Year when flying Delta, unlimited after $75,000 calendar-year spend, plus 4 one-time guest passes. Centurion Lounge only when the Delta flight is booked with this card. Not modelled: Companion Certificate; MQD Headstart and Boost; Resy, rideshare and Delta Stays credits; bags; upgrade priority.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Delta: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
Delta Sky Club · 15 · guests 0 / Centurion · ∞ · guests 0
Official / supporting sources
Delta SkyMiles Reserve Business American Express CardUS · American Express · Delta SkyMilesUSD 650.00standard / year
Model notes: Sky Club: 15 visits per Medallion Year, unlimited after $75k calendar-year spend, plus 4 one-time guest passes. Centurion only on Delta flights booked with this card. Not modelled: Companion Certificate; MQD Headstart and Boost; credits; bags.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Delta: 3 units / USD 1 · any
- Transit & rideshare: 1.5 units / USD 1 · any
- Shipping: 1.5 units / USD 1 · any
- Office supply stores: 1.5 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
Delta Sky Club · 15 · guests 0 / Centurion · ∞ · guests 0
Official / supporting sources
Hilton Honors American Express AspireUS · American Express · Hilton HonorsUSD 550.00standard / year
Model notes: No Priority Pass benefit assumed. US dining only. Direct rental-car bonus, status, resort/airline credits and free nights counted only for Hilton loyalists.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Hilton hotels: 14 units / USD 1 · any
- Other flights: 7 units / USD 1 · any
- Dining & delivery: 7 units / USD 1 · domestic
- Everything else: 3 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Hilton Honors American Express CardUS · American Express · Hilton HonorsUSD 0.00standard / year
Model notes: No earning caps stated on the official page. Includes Hilton Honors Silver status (20% bonus on base points, not modelled); Gold status after $20,000 in eligible purchases in a calendar year. No free night benefit.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Hilton hotels: 7 units / USD 1 · any
- Dining & delivery: 5 units / USD 1 · domestic
- Groceries: 5 units / USD 1 · domestic
- Gas & EV charging: 5 units / USD 1 · domestic
- Everything else: 3 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Marriott Bonvoy Brilliant American ExpressUS · American Express · Marriott BonvoyUSD 650.00standard / year
Model notes: Only card-earned points; hotel membership points excluded. Free night, status and dining credits not auto-valued. PP enrollment required.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Marriott hotels: 6 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Other flights: 3 units / USD 1 · any
- Everything else: 2 units / USD 1 · any
Priority Pass · ∞ · guests 2
Official / supporting sources
Marriott Bonvoy Business American Express CardUS · American Express · Marriott BonvoyUSD 125.00standard / year
Model notes: No earning caps stated. 1 Free Night Award each year after card renewal month (redemption level at or under 35,000 points; resort fees may apply), plus an additional Free Night Award after $60K in purchases in a calendar year. Welcome offer seen 2026-10-23 required $8,000 in purchases in the first 6 months (offer ends 11/4/26). Restaurant bonus is worldwide; gas, wireless and shipping bonuses are U.S.-only.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Marriott hotels: 6 units / USD 1 · any
- Dining & delivery: 4 units / USD 1 · any
- Gas & EV charging: 4 units / USD 1 · domestic
- Recurring bills: 4 units / USD 1 · domestic
- Shipping: 4 units / USD 1 · domestic
- Everything else: 2 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
- Marriott Bonvoy Business American Express Card (official product page)
- Marriott Bonvoy Business American Express Card (official Amex offer page, $125 annual fee)
- Marriott Bonvoy Business Card Agreement, as of 06/30/2026 (Annual Fee $125; Foreign Transaction None)
- Marriott, Bonvoy Business Amex benefits (official)
- Marriott, Free Night Award redemption (official)
The Blue Business Plus Credit Card from American ExpressUS · American Express · American Express Membership Rewards (US)USD 0.00standard / year
Model notes: Foreign transaction fee is 2.7% of each transaction after conversion to US dollars. Eligible purchases on AmexTravel.com also earn 2X and do not count toward the $50,000 cap (not modelled; that spend is treated like any other spend here). Cap resets each calendar year.
FX fee: 2.7% · Checked: 2026-10-23
Modeled earn rates
- Everything else: 2 units / USD 1 · any · USD 50,000.00 / annual
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
The Hilton Honors American Express Business CardUS · American Express · Hilton HonorsUSD 195.00standard / year
Model notes: Official pages do not say whether Hilton-direct (12X) purchases count toward the $100,000 5X cap; modelled here as counting only the 'other' spend. Up to $60 Hilton statement credit per quarter (up to $240/yr) for purchases made directly with a Hilton property. Hilton Honors Diamond status after $40,000 in eligible purchases in a calendar year. Welcome offer seen 2026-10-23: 130,000 points after $6,000 in purchases in the first 6 months.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Hilton hotels: 12 units / USD 1 · any
- Everything else: 5 units / USD 1 · any · USD 100,000.00 / annual
- Everything else: 3 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Bank of America4 cards
Air France KLM Visa Signature Credit CardUS · Bank of America · Air France-KLM Flying BlueUSD 89.00standard / year
Model notes: Replaced the World Elite Mastercard on 2026-01-21; existing Mastercard holders were converted from March 2026. Not modelled: 20 XP each anniversary, +80 XP at $15k and +60 XP at $25k anniversary-year spend, 5,000 anniversary miles after $50 spend. No lounge access.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Air France / KLM: 3 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Everything else: 1.5 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Atmos Rewards Ascent Visa Signature credit cardUS · Bank of America · Atmos Rewards (Alaska / Hawaiian)USD 95.00standard / year
Model notes: Formerly the Alaska Airlines Visa Signature (renamed Aug 2025). Earn rates are uncapped. The 0% FX fee is from secondary sources; it isn't shown on the product page. Not modelled: optional 10% points bonus with an eligible BofA account, $99 Companion Fare after $6k anniversary-year spend, $100 off Alaska Lounge+.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Hawaiian / Alaska: 3 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any
- Streaming: 2 units / USD 1 · any
- Phone / internet / cable: 2 units / USD 1 · any
- Transit & rideshare: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Atmos Rewards Summit Visa InfiniteUS · Bank of America · Atmos Rewards (Alaska / Hawaiian)USD 395.00standard / year
Model notes: Foreign transactions earn 3x; USD dining and Alaska/Hawaiian also 3x. Eligible bank-account 10% boost, companion awards and status value excluded. Eight Alaska Lounge passes are issued two per quarter and not modeled as an unrestricted annual lounge pool; this card has no assumed Priority Pass access.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Dining & delivery: 3 units / USD 1 · any
- Hawaiian / Alaska: 3 units / USD 1 · any
- Everything else: 3 units / USD 1 · foreign
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Atmos Rewards Visa Signature Business CardUS · Bank of America · Atmos Rewards (Alaska / Hawaiian)USD 95.00standard / year
Model notes: Fee is $70 per company plus $25 per card, so one primary card costs $95 a year. No international transaction fees. Not modelled: 10% points bonus with an eligible BofA small business account, $99 Companion Fare after $6k anniversary-year spend, $100 off Alaska Lounge+.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Hawaiian / Alaska: 3 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any
- Shipping: 2 units / USD 1 · any
- Transit & rideshare: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Barclays5 cards
Hawaiian Airlines World Elite MastercardUS · Barclays · Atmos Rewards (Alaska / Hawaiian)USD 99.00standard / year
Model notes: The product name is unchanged. It is still issued by Barclays Bank Delaware, but earns Atmos Rewards points since HawaiianMiles became Atmos Rewards on 2025-10-01 (1 HawaiianMile = 1 Atmos point). Barclays stopped taking applications for its directly marketed Hawaiian cards on 2025-10-01. The Bank of Hawaii co-branded version, with the same earn rates, $99 fee and 0% FX, is still open. On 2026-04-20 Alaska said Bank of America would eventually become the only Atmos co-brand issuer, with no date given and no announced conversion for Barclays Hawaiian cardholders as of 2026-10-23. The current Barclays reward rules (exact category definitions, and whether gas/dining/grocery are limited to U.S. merchants) could not be fetched because Barclays pages block automated access. The 2x rates are therefore modelled as scope any. Promos: Hawaii residents get a 50% bonus (4.5x/3x/1.5x) on up to $10,000 spend (max 5,000 bonus points) through 2026-12-31. 2026 cardmember sweepstakes.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Hawaiian / Alaska: 3 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Groceries: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
JetBlue Business CardUS · Barclays · JetBlue TrueBlueUSD 99.00standard / year
Model notes: World Elite Mastercard for Business. Not modelled: first bag free for you and up to 3 companions; Group 3 boarding; 5,000 anniversary points; 10% points back on award flights; $100 JetBlue Vacations credit.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Other flights: 6 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Office supply stores: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
JetBlue CardUS · Barclays · JetBlue TrueBlueUSD 0.00standard / year
Model notes: World Mastercard. Not modelled: 50% savings on in-flight purchases; Points Payback. No free checked bag.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Other flights: 3 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Groceries: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
JetBlue Plus CardUS · Barclays · JetBlue TrueBlueUSD 99.00standard / year
Model notes: World Elite Mastercard. Not modelled: first checked bag free for you and up to 3 companions; 5,000 anniversary points; 10% points back on award flights; $100 JetBlue Vacations credit.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Other flights: 6 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Groceries: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
JetBlue Premier CardUS · Barclays · JetBlue TrueBlueUSD 499.00standard / year
Model notes: World Elite Mastercard. Priority Pass is confirmed on the official page; the 1-guest allowance is from secondary sources. Not modelled: BlueHouse lounge with eligible fares; TrueBlue Travel credits; companion credits after $15k and $75k spend; first bag free; 5,000 anniversary points; Global Entry/TSA PreCheck credit.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Other flights: 6 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Groceries: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
Priority Pass · ∞ · guests 1
Official / supporting sources
Bilt4 cards
Bilt Blue CardUS · Bilt · Bilt RewardsUSD 0.00standard / year
Model notes: Bilt Card 2.0 (from 2026-02-07); the old Wells Fargo Bilt card became a Wells Fargo Autograph. Also earns 4% Bilt Cash on everyday spend (a separate currency, not modelled). No foreign transaction fee.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Bilt Travel · hotels & cars: 3 units / USD 1 · any
- Bilt Travel · flights: 2 units / USD 1 · any
- Rent or mortgage (no-fee card payment): 1 units / USD 1 · any
- Transit & rideshare: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Bilt Obsidian Card (3× dining)US · Bilt · Bilt RewardsUSD 95.00standard / year
Model notes: You choose 3× on dining or on groceries (switch once a year in January); this is the dining choice. 4×/3× on hotels/flights via Bilt Travel not modelled.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Bilt Travel · hotels & cars: 4 units / USD 1 · any
- Bilt Travel · flights: 3 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Travel (general): 2 units / USD 1 · any
- Transit & rideshare: 3 units / USD 1 · any
- Rent or mortgage (no-fee card payment): 1 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Bilt Obsidian Card (3× groceries)US · Bilt · Bilt RewardsUSD 95.00standard / year
Model notes: The grocery choice: 3× up to $25,000 a year, then 1×.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Bilt Travel · hotels & cars: 4 units / USD 1 · any
- Bilt Travel · flights: 3 units / USD 1 · any
- Groceries: 3 units / USD 1 · any · USD 25,000.00 / annual
- Travel (general): 2 units / USD 1 · any
- Transit & rideshare: 3 units / USD 1 · any
- Rent or mortgage (no-fee card payment): 1 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Bilt Palladium CardUS · Bilt · Bilt RewardsUSD 495.00standard / year
Model notes: World Legend Mastercard. Priority Pass with 2 guests.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Bilt Travel · hotels & cars: 4 units / USD 1 · any
- Bilt Travel · flights: 3 units / USD 1 · any
- Transit & rideshare: 4 units / USD 1 · any
- Rent or mortgage (no-fee card payment): 1 units / USD 1 · any
- Everything else: 2 units / USD 1 · any
Priority Pass · ∞ · guests 2
Official / supporting sources
Capital One5 cards
Capital One SavorUS · Capital One · Cash back (USD)USD 0.00standard / year
Model notes: Eligible grocery stores exclude superstores. Cash back converts to miles (1 cent = 1 mile) when linked to a Venture card, modelled as a combo.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Capital One Travel · hotels & cars: 5 units / USD 1 · any
- Groceries: 3 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Entertainment: 3 units / USD 1 · any
- Streaming: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Capital One Venture Rewards Credit CardUS · Capital One · Capital One MilesUSD 95.00standard / year
Model notes: Not modelled (portal only): 5x on hotels, vacation rentals and rental cars booked through Capital One Travel, and 5x on Capital One Entertainment ticket purchases. Global Entry/TSA PreCheck credit up to $120 every 4 years. Welcome offer seen 2026-10-23: 75,000 miles after $4,000 spend in 3 months, plus a one-time $300 Capital One Travel Stays credit. Not available if a Venture/Venture X bonus was received in the last 48 months.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Capital One Travel · hotels & cars: 5 units / USD 1 · any
- Everything else: 2 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Capital One Venture XUS · Capital One · Capital One MilesUSD 395.00standard / year
Model notes: 2026 primary-cardholder access only; guests excluded unless separately qualified. Portal bonuses, annual travel credit and anniversary miles excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Capital One Travel · hotels & cars: 10 units / USD 1 · any
- Capital One Travel · flights: 5 units / USD 1 · any
- Everything else: 2 units / USD 1 · any
Priority Pass · ∞ · guests 0 / Capital One Lounge · ∞ · guests 0
Official / supporting sources
Capital One Venture X BusinessUS · Capital One · Capital One MilesUSD 395.00standard / year
Model notes: Portal-only rates not modelled: 10X hotels and rental cars, 5X flights and vacation rentals via Capital One Business Travel. Network from secondary sources (current cards Visa). Since 2026-02-01 Capital One Lounge guests cost $45 each, with 2 free guests restored after $75k calendar-year spend; Priority Pass allows 2 free guests. Excluded: $300 annual Business Travel credit, 10k anniversary miles, Global Entry/TSA credit. Pay-in-full card.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Capital One Travel · hotels & cars: 10 units / USD 1 · any
- Capital One Travel · flights: 5 units / USD 1 · any
- Everything else: 2 units / USD 1 · any
Capital One Lounge · ∞ · guests 0 / Priority Pass · ∞ · guests 2
Official / supporting sources
Capital One VentureOne RewardsUS · Capital One · Capital One MilesUSD 0.00standard / year
Model notes: 1.25 miles per USD 1; portal-only 5x excluded. Card network can vary by issued version; verify the cardholder benefit guide.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Capital One Travel · hotels & cars: 5 units / USD 1 · any
- Everything else: 1.25 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Cardless2 cards
avianca lifemiles American Express CardUS · Cardless · Avianca LifeMilesUSD 99.00standard / year
Model notes: LifeMiles Silver status while the card is open; 5% off Avianca award flights on lifemiles.com. Welcome offer 40,000 miles after $3,000 in 90 days.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Avianca: 2 units / USD 1 · any
- Groceries: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
avianca lifemiles American Express Elite CardUS · Cardless · Avianca LifeMilesUSD 249.00standard / year
Model notes: Miles double automatically up to 1,000 extra miles a month (not modelled; worth up to about US$170 a year). LifeMiles Silver status and lifemiles+ membership (10% back on Star Alliance redemptions, up to 25% off Avianca awards).
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Avianca: 3 units / USD 1 · any
- Travel (general): 2 units / USD 1 · any
- Other flights: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase21 cards
Chase Air Canada AeroplanUS · Chase · AeroplanUSD 195.00standard / year
Model notes: 2026 earn rates: grocery/dining drop to 2x January 1, 2027. Air Canada flight-status points are not card rewards and are excluded. Monthly spend bonus/credits excluded. Aeroplan 25K is not automatic lounge access.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Travel (general): 3 units / USD 1 · any
- Groceries: 3 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Freedom FlexUS · Chase · Chase Ultimate Rewards · cash / no transfer cardUSD 0.00standard / year
Model notes: Cash redemption when held alone. Uses the main Chase UR valuation automatically when a selected eligible Sapphire/Ink Preferred companion enables pooling. Portal/rotating bonuses excluded.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Chase Travel · hotels & cars: 5 units / USD 1 · any
- Chase Travel · flights: 5 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Drugstores: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Freedom UnlimitedUS · Chase · Chase Ultimate Rewards · cash / no transfer cardUSD 0.00standard / year
Model notes: Cash redemption when held alone. Uses the main Chase UR valuation automatically when a selected eligible Sapphire/Ink Preferred companion enables pooling. Portal/rotating bonuses excluded.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Chase Travel · hotels & cars: 5 units / USD 1 · any
- Chase Travel · flights: 5 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Drugstores: 3 units / USD 1 · any
- Everything else: 1.5 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Ink Business CashUS · Chase · Chase Ultimate Rewards · cash / no transfer cardUSD 0.00standard / year
Model notes: Cash redemption when held alone. Uses the main Chase UR valuation automatically when a selected eligible Sapphire/Ink Preferred companion enables pooling. Portal/rotating bonuses excluded.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Phone / internet / cable: 5 units / USD 1 · any · USD 25,000.00 / annual
- Office supply stores: 5 units / USD 1 · any · USD 25,000.00 / annual
- Gas & EV charging: 2 units / USD 1 · any · USD 25,000.00 / annual
- Dining & delivery: 2 units / USD 1 · any · USD 25,000.00 / annual
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Ink Business PreferredUS · Chase · Chase Ultimate RewardsUSD 95.00standard / year
Model notes: USD 150,000 shared annual bonus cap. Telecom means internet/cable/phone; advertising means eligible search/social platforms.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Travel (general): 3 units / USD 1 · any · USD 150,000.00 / annual
- Shipping: 3 units / USD 1 · any · USD 150,000.00 / annual
- Phone / internet / cable: 3 units / USD 1 · any · USD 150,000.00 / annual
- Search / social advertising: 3 units / USD 1 · any · USD 150,000.00 / annual
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Ink Business UnlimitedUS · Chase · Chase Ultimate Rewards · cash / no transfer cardUSD 0.00standard / year
Model notes: Cash redemption when held alone. Uses the main Chase UR valuation automatically when a selected eligible Sapphire/Ink Preferred companion enables pooling. Portal/rotating bonuses excluded.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 1.5 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Sapphire Preferred CardUS · Chase · Chase Ultimate RewardsUSD 95.00standard / year
Model notes: No foreign transaction fee (confirmed on the official page). Not modelled: 5x on purchases made through Chase Travel (2x via FROSCH / Valerie Wilson Travel; the first $100 of Chase Travel hotel purchases each year earns no points). 3x online grocery is not modelled as grocery because it applies only to online grocery pickup/delivery orders (excludes Target, Walmart and wholesale clubs), so in-store grocery earns 1x. 3x also applies to vacation homes at select top brands. Lyft: 5x total on eligible rides through 09/30/2027. Peloton: 5x total on equipment/accessories over $150 (up to $5,000) through 12/31/2027. The official page lists no 10% anniversary points bonus. Credits: up to $100 per account anniversary year for Chase Travel hotel stays; Global Entry/TSA PreCheck/NEXUS credit up to $120 every 4 years. Welcome offer seen 2026-10-23: 75,000 points after $5,000 spend in 3 months.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Chase Travel · hotels & cars: 5 units / USD 1 · any
- Chase Travel · flights: 5 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Gas & EV charging: 3 units / USD 1 · any
- Streaming: 3 units / USD 1 · any
- Travel (general): 2 units / USD 1 · any
- Transit & rideshare: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase Sapphire ReserveUS · Chase · Chase Ultimate Rewards · Sapphire ReserveUSD 795.00standard / year
Model notes: Direct flights/hotels only. Portal bonus and statement credits excluded; purchases reimbursed by credits must be removed from spend. Priority Pass enrollment required.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Chase Travel · hotels & cars: 8 units / USD 1 · any
- Chase Travel · flights: 8 units / USD 1 · any
- Other flights: 4 units / USD 1 · any
- Other hotels: 4 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
Priority Pass · ∞ · guests 2 / Chase Sapphire Lounge · ∞ · guests 2
Official / supporting sources
Chase Sapphire Reserve for BusinessUS · Chase · Chase Ultimate Rewards · Sapphire ReserveUSD 795.00standard / year
Model notes: Direct flights/hotels; eligible search/social ads only. Conservative USD 1m ad cap reflects announced Nov 15, 2026 cap. Portal bonus/credits excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Chase Travel · hotels & cars: 8 units / USD 1 · any
- Chase Travel · flights: 8 units / USD 1 · any
- Other flights: 4 units / USD 1 · any
- Other hotels: 4 units / USD 1 · any
- Search / social advertising: 3 units / USD 1 · any · USD 1,000,000.00 / annual
- Everything else: 1 units / USD 1 · any
Priority Pass · ∞ · guests 2 / Chase Sapphire Lounge · ∞ · guests 2
Official / supporting sources
IHG One Rewards Business Credit CardUS · Chase · IHG One RewardsUSD 200.00standard / year
Model notes: Formerly the IHG One Rewards Premier Business Credit Card (renamed Oct 2026). Fee rose from $99 to $200 (existing cardholders from 2027). Not modelled: 4th reward night free; Platinum Elite; elite night credits; points at $25k; Diamond at $50k from 2027; food and beverage, airline, Expensify and Global Entry credits; DashPass and Instacart perks.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- IHG hotels: 10 units / USD 1 · any
- Gas & EV charging: 5 units / USD 1 · any
- Dining & delivery: 5 units / USD 1 · any
- Search / social advertising: 5 units / USD 1 · any
- Other flights: 5 units / USD 1 · any
- Travel (general): 5 units / USD 1 · any
- Office supply stores: 5 units / USD 1 · any
- Everything else: 3 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
IHG One Rewards Credit CardUS · Chase · IHG One RewardsUSD 0.00standard / year
Model notes: Formerly the IHG One Rewards Traveler Credit Card (renamed Oct 2026). Not modelled: 10,000 bonus points after $15k calendar-year spend; 4th reward night free (from 2027 needs $5k calendar-year spend); Silver Elite; Gold at $15k; Instacart and DashPass perks. No free-night certificate.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- IHG hotels: 5 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Gas & EV charging: 3 units / USD 1 · any
- Groceries: 3 units / USD 1 · any
- Recurring bills: 3 units / USD 1 · any
- Phone / internet / cable: 3 units / USD 1 · any
- Streaming: 3 units / USD 1 · any
- Everything else: 2 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
IHG One Rewards Premier Credit CardUS · Chase · IHG One RewardsUSD 150.00standard / year
Model notes: Fee rose from $99 to $150 (existing cardholders from their 2027 renewal). Free-night cap rose from 40k to 50k (TPG: from 2027). The travel rule mixes permanent 5X car rentals with other travel that drops to 3X on 1/1/2027. Not modelled: 4th reward night free; Gold Elite; Platinum and points at $15k; Diamond at $40k; elite night credits; food and beverage, airline and Global Entry credits; DashPass, United TravelBank and Instacart perks.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- IHG hotels: 10 units / USD 1 · any
- Other flights: 5 units / USD 1 · any
- Travel (general): 5 units / USD 1 · any
- Dining & delivery: 5 units / USD 1 · any
- Groceries: 5 units / USD 1 · any
- Gas & EV charging: 5 units / USD 1 · any
- Everything else: 3 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
IHG One Rewards Premier Select Credit CardUS · Chase · IHG One RewardsUSD 350.00standard / year
Model notes: New card from the Oct 2026 refresh. TPG says the 60k free-night caps apply starting 2027. Not modelled: 20,000 bonus points after $15k calendar-year spend; 4th reward night free; Platinum Elite; elite night credits; Diamond at $25k; IHG food and beverage, airline and Global Entry credits; DashPass, United TravelBank and Instacart perks. Network from the World Elite Mastercard line on the page.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- IHG hotels: 12 units / USD 1 · any
- Dining & delivery: 6 units / USD 1 · any
- Travel (general): 6 units / USD 1 · any
- Other flights: 6 units / USD 1 · any
- Everything else: 3 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Marriott Bonvoy Boundless Credit CardUS · Chase · Marriott BonvoyUSD 95.00standard / year
Model notes: The cap 'year' runs from account opening through the first December statement cycle, then in 12-billing-cycle periods ending with each December statement (roughly a calendar year). Spend over the cap earns the 2x base rate. Annual Free Night Award after each account anniversary (up to 35,000 points; expires after 12 months). 15 Elite Night Credits each calendar year, plus 1 ENC per $5,000 spent. Automatic Silver Elite; $35,000 spend in a calendar year earns Gold. Welcome offer seen 2026-10-23: 3 Free Night Awards (up to 50,000 points each) after $3,000 spend in 3 months.
FX fee: 0% · Checked: 2026-10-23
Modeled earn rates
- Marriott hotels: 6 units / USD 1 · any
- Groceries: 3 units / USD 1 · any · USD 6,000.00 / annual
- Gas & EV charging: 3 units / USD 1 · any · USD 6,000.00 / annual
- Dining & delivery: 3 units / USD 1 · any · USD 6,000.00 / annual
- Everything else: 2 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Southwest Rapid Rewards Performance Business Credit CardUS · Chase · Southwest Rapid RewardsUSD 299.00standard / year
Model notes: Not modelled: 9,000 anniversary points; Preferred seat; Extra Legroom upgrades; first bag free; A-List and Companion Pass qualifying points; Global Entry/TSA PreCheck credit.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Other flights: 4 units / USD 1 · any
- Other hotels: 2 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Transit & rideshare: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Southwest Rapid Rewards Plus Credit CardUS · Chase · Southwest Rapid RewardsUSD 99.00standard / year
Model notes: Not modelled: 2X on Lyft through 2027; 3,000 anniversary points; first checked bag free; seat selection; 10% flight discount; Companion Pass qualifying points. Network from the product page footer.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Other flights: 2 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any · USD 5,000.00 / annual
- Groceries: 2 units / USD 1 · any · USD 5,000.00 / annual
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Southwest Rapid Rewards Premier Business Credit CardUS · Chase · Southwest Rapid RewardsUSD 149.00standard / year
Model notes: Not modelled: 6,000 anniversary points; first bag free; seat selection; 15% flight discount; A-List qualifying points.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Other flights: 3 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any · USD 8,000.00 / annual
- Dining & delivery: 2 units / USD 1 · any · USD 8,000.00 / annual
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Southwest Rapid Rewards Premier Credit CardUS · Chase · Southwest Rapid RewardsUSD 149.00standard / year
Model notes: Not modelled: 6,000 anniversary points; first bag free; seat selection; 15% flight discount; A-List and Companion Pass qualifying points.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Other flights: 3 units / USD 1 · any
- Groceries: 2 units / USD 1 · any · USD 8,000.00 / annual
- Dining & delivery: 2 units / USD 1 · any · USD 8,000.00 / annual
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Southwest Rapid Rewards Priority Credit CardUS · Chase · Southwest Rapid RewardsUSD 229.00standard / year
Model notes: Not modelled: 7,500 anniversary points; Preferred seat at booking; Extra Legroom upgrades; first bag free; A-List and Companion Pass qualifying points.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Other flights: 4 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
The Ritz-Carlton Credit CardUS · Chase · Marriott BonvoyUSD 450.00standard / year
Model notes: Closed to new applicants since 2018; available only as a product change from a Chase Marriott Bonvoy card. The $450 fee is from secondary sources (no public Chase pricing page). From Jan 15, 2026, Priority Pass and Chase Sapphire Lounge guests are capped at 2 free per cardmember ($27 per extra guest). A secondary report says Sapphire Lounges stopped accepting Priority Pass from Aug 15, 2026 (not modelled). Not modelled: $300 annual travel credit, $100 Ritz-Carlton/St. Regis hotel credit, Global Entry credit, Gold Elite, Club Level upgrade certificates, insurance. The 3x car rental rate is mapped to travel, although other travel earns 2x.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Marriott hotels: 6 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Other flights: 3 units / USD 1 · any
- Travel (general): 3 units / USD 1 · any
- Everything else: 2 units / USD 1 · any
Priority Pass · ∞ · guests 2 / Chase Sapphire Lounge · ∞ · guests 2
Official / supporting sources
- Ritz-Carlton Credit Card Benefits, Chase/Marriott cardmember site (official)
- Ritz-Carlton Credit Card Earn & Redeem (official)
- Ritz-Carlton Credit Card cardmember home, Free Night Award terms (official)
- The Points Guy, Ritz-Carlton card review: $450 fee, closed to new applicants (secondary)
- Doctor of Credit, lounge guest limit from Jan 15 2026 (secondary)
World of Hyatt Credit CardUS · Chase · World of HyattUSD 95.00standard / year
Model notes: Card-earned points only. Fitness categories, status value excluded; free nights counted only for Hyatt loyalists.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Hyatt: 4 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Other flights: 2 units / USD 1 · any
- Transit & rideshare: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Citi11 cards
American Airlines AAdvantage MileUp CardUS · Citi · American Airlines AAdvantageUSD 0.00standard / year
Model notes: 3% FX fee and the Mastercard network come from secondary sources. Not modelled: 25% inflight savings.
FX fee: 3% · Checked: 2026-10-26
Modeled earn rates
- American Airlines: 2 units / USD 1 · any
- Groceries: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Citi / AAdvantage Business World Elite MastercardUS · Citi · American Airlines AAdvantageUSD 99.00standard / year
Model notes: Annual fee $0 the first year, then $99. Not modelled: first bag free and preferred boarding, 25% off inflight, Companion Certificate after $30k annual spend and renewal.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- American Airlines: 2 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any
- Phone / internet / cable: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Citi / AAdvantage Executive World Legend MastercardUS · Citi · American Airlines AAdvantageUSD 695.00standard / year
Model notes: Renamed from World Elite; fee rose from $595 to $695 for new cardmembers on 2026-08-23 (fee from secondary sources). Full Admirals Club membership with up to 2 guests. 12x on AAdvantage Hotels and Cars is portal-only and not modelled. Excluded credits: AA Vacations, Lyft, Avis/Budget, inflight, Global Entry/TSA.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- American Airlines: 4 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
American Airlines Admirals Club · ∞ · guests 2
Official / supporting sources
Citi / AAdvantage Globe MastercardUS · Citi · American Airlines AAdvantageUSD 350.00standard / year
Model notes: The $350 fee is from secondary sources. 6x on AAdvantage Hotels is portal-only and not modelled. 4 Admirals Club Globe Passes a year. Excluded: Turo, inflight and Splurge credits, Global Entry/TSA, Companion Certificate from year 2.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- American Airlines: 3 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Transit & rideshare: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
American Airlines Admirals Club · 4 · guests 3
Official / supporting sources
Citi / AAdvantage Platinum Select World Elite MastercardUS · Citi · American Airlines AAdvantageUSD 99.00standard / year
Model notes: Annual fee $0 the first year, then $99. Not modelled: first checked bag free and preferred boarding for you plus up to 4 companions, 25% off inflight food and drink.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- American Airlines: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Citi Custom Cash CardUS · Citi · Citi ThankYou (no-fee cards)USD 0.00standard / year
Model notes: Closed to new applicants on 2026-05-28; existing cardholders keep it. Terms from secondary sources. The 5% applies to the single top eligible category each billing cycle (restaurants, gas, grocery, select travel and transit, streaming, drugstores, home improvement, fitness, live entertainment); modelled as dining with a $500 monthly cap. Earns ThankYou points.
FX fee: 3% · Checked: 2026-10-26
Modeled earn rates
- Dining & delivery: 5 units / USD 1 · any · USD 500.00 / monthly
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Citi Double CashUS · Citi · Cash back (USD)USD 0.00standard / year
Model notes: Assumes all purchases are paid in full: 1% at purchase plus 1% on payment. Cash redemption value; enhanced transfers are not assumed.
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Citi Travel · hotels & cars: 5 units / USD 1 · any
- Everything else: 2 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Citi Strata Elite CardUS · Citi · Citi ThankYouUSD 595.00standard / year
Model notes: The $595 fee is from secondary sources (Citi's page leaves the amount blank in its text). Portal rates not modelled: 12x hotels, cars and attractions, 6x air on cititravel.com. Lounges: Priority Pass Select with 2 guests, plus 4 Admirals Club passes a year. Excluded credits: $300 hotel, $200 Splurge, $200 Blacklane, Global Entry/TSA.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Citi Travel · hotels & cars: 12 units / USD 1 · any
- Citi Travel · flights: 6 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Everything else: 1.5 units / USD 1 · any
Priority Pass · ∞ · guests 2 / American Airlines Admirals Club · 4 · guests 3
Official / supporting sources
Citi Strata PremierUS · Citi · Citi ThankYouUSD 95.00standard / year
Model notes: Direct eligible purchases; Citi Travel bonus and hotel benefit excluded.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Citi Travel · hotels & cars: 10 units / USD 1 · any
- Other flights: 3 units / USD 1 · any
- Other hotels: 3 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Groceries: 3 units / USD 1 · any
- Gas & EV charging: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Costco Anywhere Visa Business Card by CitiUS · Citi · Cash back (USD)USD 0.00standard / year
Model notes: No annual fee with a paid Costco membership. Costco gas earns 5%; modelled as gas at 4% under the shared $7k cap. Rewards paid once a year as a reward certificate.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Gas & EV charging: 4 units / USD 1 · any · USD 7,000.00 / annual
- Dining & delivery: 3 units / USD 1 · any
- Travel (general): 3 units / USD 1 · any
- Costco: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Costco Anywhere Visa Card by CitiUS · Citi · Cash back (USD)USD 0.00standard / year
Model notes: No annual fee with a paid Costco membership (required). Costco warehouse gas earns 5%; modelled as gas at 4%. Rewards are paid once a year as a reward certificate redeemable at US Costco warehouses.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Gas & EV charging: 4 units / USD 1 · any · USD 7,000.00 / annual
- Dining & delivery: 3 units / USD 1 · any
- Travel (general): 3 units / USD 1 · any
- Costco: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
HSBC Bank USA2 cards
HSBC Elite World Elite MastercardUS · HSBC Bank USA · HSBC Elite World Elite Rewards (US)USD 495.00standard / year
Model notes: Requires an existing US HSBC Premier checking account to apply. Priority Pass with unlimited visits and up to 2 guests. Credits: up to $400 a year travel credit through HSBC Travel, $120 rideshare, Global Entry/TSA PreCheck up to $120, Instacart+, Lyft, Peacock. Welcome bonus 75,000 points after $4,000 in 3 months.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Other flights: 5 units / USD 1 · any
- Other hotels: 5 units / USD 1 · any
- Travel (general): 2 units / USD 1 · any
- Transit & rideshare: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
Priority Pass · ∞ · guests 2
Official / supporting sources
HSBC Premier World MastercardUS · HSBC Bank USA · HSBC Premier World Rewards (US)USD 95.00standard / year
Model notes: Requires an existing US HSBC Premier checking account to apply. Dining earns 1x. Credits: up to $60 a year streaming, Instacart+, $5 monthly Lyft credit after 3 rides, Global Entry/TSA PreCheck up to $85. Welcome bonus 60,000 points after $4,000 in 3 months.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Groceries: 3 units / USD 1 · any
- Gas & EV charging: 3 units / USD 1 · any
- Other flights: 2 units / USD 1 · any
- Other hotels: 2 units / USD 1 · any
- Transit & rideshare: 2 units / USD 1 · any
- Travel (general): 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
U.S. Bank8 cards
SKYPASS Select Visa Signature CardUS · U.S. Bank · Korean Air SKYPASSUSD 450.00standard / year
Model notes: $200 annual travel credit; up to $120 TSA PreCheck/Global Entry credit; 10,000 renewal miles after $35k a year; two 5% Korean Air coupons; 2 Korean Air Lounge vouchers; Priority Pass with 4 free visits (guests use visits). Welcome bonus 60,000 miles after $5,000.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Korean Air: 3 units / USD 1 · any
- Other flights: 2 units / USD 1 · any
- Other hotels: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
Priority Pass · 4 · guests 0
Official / supporting sources
SKYPASS SkyBlue Visa CardUS · U.S. Bank · Korean Air SKYPASSUSD 0.00standard / year
Model notes: No-fee SKYPASS card. Welcome bonus 10,000 miles after $1,000.
FX fee: 3% · Checked: 2026-10-26
Modeled earn rates
- Streaming: 2 units / USD 1 · any
- Transit & rideshare: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
SKYPASS Visa Signature Business CardUS · U.S. Bank · Korean Air SKYPASSUSD 99.00standard / year
Model notes: One 5% Korean Air coupon a year; 2 Korean Air Lounge vouchers a year. Welcome bonus 50,000 miles after $5,000.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Korean Air: 2 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Phone / internet / cable: 2 units / USD 1 · any
- Office supply stores: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
SKYPASS Visa Signature CardUS · U.S. Bank · Korean Air SKYPASSUSD 99.00standard / year
Model notes: One 5% Korean Air discount coupon a year; 2 Korean Air Lounge vouchers a year (KE lounges at LAX/JFK/HNL and Incheon Prestige). Welcome bonus 40,000 miles after $4,000 in 90 days.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Korean Air: 2 units / USD 1 · any
- Other hotels: 2 units / USD 1 · any
- Dining & delivery: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
U.S. Bank Altitude Connect Visa SignatureUS · U.S. Bank · U.S. Bank Rewards (Altitude Connect / Go)USD 0.00standard / year
Model notes: No annual fee. 12-month Priority Pass Select with 4 visits a year (third-party sources; guests use visits). 5× on prepaid hotels and car rentals via the U.S. Bank Travel Center (not modelled). Points can't be transferred.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- U.S. Bank Travel Center · hotels & cars: 5 units / USD 1 · any
- Travel (general): 4 units / USD 1 · any
- Other flights: 4 units / USD 1 · any
- Other hotels: 4 units / USD 1 · any
- Gas & EV charging: 4 units / USD 1 · any · USD 1,000.00 / quarterly
- Dining & delivery: 2 units / USD 1 · any
- Streaming: 2 units / USD 1 · any
- Groceries: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
Priority Pass · 4 · guests 0
Official / supporting sources
U.S. Bank Altitude Go Visa SignatureUS · U.S. Bank · U.S. Bank Rewards (Altitude Connect / Go)USD 0.00standard / year
Model notes: FX fee 3% (third-party source). Points can't be transferred.
FX fee: 3% · Checked: 2026-10-26
Modeled earn rates
- Dining & delivery: 4 units / USD 1 · any · USD 2,000.00 / quarterly
- Groceries: 2 units / USD 1 · any
- Gas & EV charging: 2 units / USD 1 · any
- Streaming: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
U.S. Bank Cash+ Visa SignatureUS · U.S. Bank · Cash back (USD)USD 0.00standard / year
Model notes: Each quarter you pick two 5% categories (fast food, utilities, TV/internet/streaming, department stores, cell phone, electronics, sporting goods, furniture, movie theaters, ground transportation, gyms, select clothing), sharing $2,000 a quarter, and one 2% category. Modelled with cell phone + streaming and groceries. FX fee 3% (third-party).
FX fee: 3% · Checked: 2026-10-26
Modeled earn rates
- Phone / internet / cable: 5 units / USD 1 · any · USD 2,000.00 / quarterly
- Streaming: 5 units / USD 1 · any · USD 2,000.00 / quarterly
- Groceries: 2 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
U.S. Bank Smartly Visa SignatureUS · U.S. Bank · Cash back (USD)USD 0.00standard / year
Model notes: Higher rates need Smartly Savings and qualifying deposit balances, and apply only when rewards go to a U.S. Bank deposit account. FX fee 3% (third-party).
FX fee: 3% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 2 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Wells Fargo4 cards
Wells Fargo Active CashUS · Wells Fargo · Cash back (USD)USD 0.00standard / year
Model notes: 2% cash rewards; 3% foreign conversion fee. Combined with an Autograph card in Wells Fargo Rewards, the rewards become transferable points (modelled as a combo).
FX fee: 3% · Checked: 2026-10-24
Modeled earn rates
- Everything else: 2 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Wells Fargo AutographUS · Wells Fargo · Wells Fargo RewardsUSD 0.00standard / year
Model notes: Eligible streaming and phone plans only; generic recurring bills do not qualify automatically.
FX fee: 0% · Checked: 2026-10-24
Modeled earn rates
- Travel (general): 3 units / USD 1 · any
- Dining & delivery: 3 units / USD 1 · any
- Gas & EV charging: 3 units / USD 1 · any
- Transit & rideshare: 3 units / USD 1 · any
- Streaming: 3 units / USD 1 · any
- Phone / internet / cable: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Wells Fargo Choice Privileges MastercardUS · Wells Fargo · Choice PrivilegesUSD 0.00standard / year
Model notes: Bonus categories set by Mastercard merchant code; purchases through payment accounts, marketplaces or digital wallets earn no bonus. Not modelled: Gold Elite; cell phone protection. No free-night certificate.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Choice hotels: 5 units / USD 1 · any
- Gas & EV charging: 3 units / USD 1 · any
- Groceries: 3 units / USD 1 · any
- Home improvement: 3 units / USD 1 · any
- Phone / internet / cable: 3 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Wells Fargo Choice Privileges Select MastercardUS · Wells Fargo · Choice PrivilegesUSD 95.00standard / year
Model notes: The 30,000-point anniversary bonus is points, not a free-night certificate, so it isn't counted as a free night (not modelled). Not modelled: Platinum Elite; Global Entry/TSA PreCheck credit; cell phone protection.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Choice hotels: 10 units / USD 1 · any
- Gas & EV charging: 5 units / USD 1 · any
- Groceries: 5 units / USD 1 · any
- Home improvement: 5 units / USD 1 · any
- Phone / internet / cable: 5 units / USD 1 · any
- Everything else: 1 units / USD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Taiwan46 cards
American Express Taiwan3 cards
American Express EVA Air Platinum Charge CardTW · American Express Taiwan · EVA Air Infinity MileageLandsTWD 36,800.00standard / year
Model notes: Charge card. Domestic TWD 25 = 1 mile, overseas +50%. EVA Air ticket bonus not modelled separately. Welcome offer of 60,000 miles not counted. Foreign transaction fee unconfirmed; 1.5% assumed for now.
FX fee: 1.5% · Checked: 2026-10-25
Modeled earn rates
- Everything else: 0.04 units / TWD 1 · any
- Everything else: 0.06 units / TWD 1 · foreign
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
American Express Gold Charge CardTW · American Express Taiwan · American Express Membership Rewards (Taiwan)TWD 8,500.00standard / year
Model notes: Charge card. 1 point per TWD 30, transfers 1:1 to airlines. Data from Money101 (2026-10-14). Foreign transaction fee unconfirmed; 1.5% assumed for now.
FX fee: 1.5% · Checked: 2026-10-25
Modeled earn rates
- Everything else: 0.03333333333333333 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
American Express Platinum Charge CardTW · American Express Taiwan · American Express Membership Rewards (Taiwan)TWD 36,800.00standard / year
Model notes: Charge card. 1 point per TWD 30, same domestically and overseas. Points transfer 1:1 to airlines (partner airlines not listed). Foreign transaction fee unconfirmed; 1.5% assumed for now. Dining credits, travel insurance, and lounges not counted.
FX fee: 1.5% · Checked: 2026-10-25
Modeled earn rates
- Everything else: 0.03333333333333333 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Bank SinoPac2 cards
SinoPac DAWHO Cash Back CardTW · Bank SinoPac · TWD cash backTWD 3,000.00standard / year
Model notes: Requires a SinoPac DAWHO account. Modelled at the DAWHO tier with both tasks done (DAWHO autopay + e-statement); the DAWHO Plus tier, which needs higher deposits, earns 5% / 6%. Promo 2026/7/1–12/31. FX fee 1.5% assumed.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 3.5 units / TWD 1 · domestic · TWD 16,000.00 / monthly
- Everything else: 2 units / TWD 1 · foreign
- Everything else: 1 units / TWD 1 · domestic
- Transit & rideshare: 3 units / TWD 1 · domestic · TWD 3,333.00 / monthly
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
SinoPac SPORT CardTW · Bank SinoPac · TWD cash backTWD 3,000.00standard / year
Model notes: Needs registering in the DACARD app with workout data linked. Bonuses assume the monthly exercise goal (10,000 kcal or 10 Apple Watch rings) plus SinoPac autopay. +3% on mobile-wallet spend not modelled. Promo 2026/7/1–12/31. Network uncertain (fee text names Business Signature, card faces show Mastercard).
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 2 units / TWD 1 · any · TWD 5,000.00 / monthly
- Watsons: 5 units / TWD 1 · domestic · TWD 10,000.00 / monthly
- Cosmed: 5 units / TWD 1 · domestic · TWD 10,000.00 / monthly
- Poya: 5 units / TWD 1 · domestic · TWD 10,000.00 / monthly
- Drugstores: 5 units / TWD 1 · domestic · TWD 10,000.00 / monthly
- Entertainment: 5 units / TWD 1 · any · TWD 10,000.00 / monthly
- Streaming: 5 units / TWD 1 · any · TWD 10,000.00 / monthly
- Everything else: 1 units / TWD 1 · any
- Paid by mobile wallet: 5 units / TWD 1 · any · TWD 10,000.00 / monthly
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Cathay United Bank10 cards
Cathay United Bank CUBE Card · Autumn GetawayTW · Cathay United Bank · Cathay United Tree Points (credit card)TWD 1,800.00standard / year
Model notes: Plan period 2026/10/1–11/30, then switches to Essentials automatically. Choose it in the CUBE App.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 0.035 units / TWD 1 · foreign
- Everything else: 0.003 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Cathay United Bank CUBE Card · DigitalTW · Cathay United Bank · Cathay United Tree Points (credit card)TWD 1,800.00standard / year
Model notes: Plan period 2026/1/1–2026/12/31. 3% is Level 2 (autopay from your own Cathay account or paying the bill in the CUBE App); Level 1 is 2%; Level 3 (wealth management VIP) 3.3%. Designated spend only via the physical card or Apple/Google/Samsung/Garmin Pay. Plan can be switched once a day in the CUBE App. 1 Tree Point = NT$1.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Online marketplaces (Amazon, eBay, Walmart.com): 0.03 units / TWD 1 · domestic
- Streaming: 0.03 units / TWD 1 · any
- Everything else: 0.003 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Cathay United Bank CUBE Card · Dining & ShoppingTW · Cathay United Bank · Cathay United Tree Points (credit card)TWD 1,800.00standard / year
Model notes: Plan period 2026/1/1–12/31. 3% is Level 2 (autopay); Level 1 2%. Also 3% at about 35 domestic department stores (Shin Kong Mitsukoshi, SOGO, Far Eastern Department Store, Breeze etc.), not modelled (no category). Default plan.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Dining & delivery: 0.03 units / TWD 1 · domestic
- Cosmed: 0.03 units / TWD 1 · domestic
- Watsons: 0.03 units / TWD 1 · domestic
- Everything else: 0.003 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Cathay United Bank CUBE Card · EssentialsTW · Cathay United Bank · Cathay United Tree Points (credit card)TWD 1,800.00standard / year
Model notes: Plan period 2026/1/1–12/31. Flat 2% at every level. Fallback plan when seasonal plans expire.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- PX Mart: 0.02 units / TWD 1 · domestic
- Convenience stores (7-Eleven, Couche-Tard / Circle K): 0.02 units / TWD 1 · domestic
- Groceries: 0.02 units / TWD 1 · domestic
- Gas & EV charging: 0.02 units / TWD 1 · domestic
- Home improvement: 0.02 units / TWD 1 · domestic
- Everything else: 0.003 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Cathay United Bank CUBE Card · Fixed RewardsTW · Cathay United Bank · Cathay United Tree Points (credit card)TWD 1,800.00standard / year
Model notes: Plan period 2026/8/3–2026/12/31; only one switch into or out of it is allowed in the period.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 0.025 units / TWD 1 · foreign
- Everything else: 0.012 units / TWD 1 · domestic
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Cathay United Bank CUBE Card · FormosaTW · Cathay United Bank · Cathay United Tree Points (credit card)TWD 1,800.00standard / year
Model notes: Plan period 2026/6/1–2026/12/31, then switches to Essentials. Flat 2% at every level.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Gas & EV charging: 0.02 units / TWD 1 · domestic
- Convenience stores (7-Eleven, Couche-Tard / Circle K): 0.02 units / TWD 1 · domestic
- Drugstores: 0.02 units / TWD 1 · domestic
- Online shopping: 0.02 units / TWD 1 · domestic
- Everything else: 0.003 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Cathay United Bank CUBE Card · PX PayTW · Cathay United Bank · Cathay United Tree Points (credit card)TWD 1,800.00standard / year
Model notes: Plan period 2026/4/22–2026/12/31, then switches to Essentials. Requires paying through PX Pay with CUBE bound. Flat 2%.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- PX Mart: 0.02 units / TWD 1 · domestic
- Paid by mobile wallet: 0.02 units / TWD 1 · domestic
- Everything else: 0.003 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Cathay United Bank CUBE Card · TravelTW · Cathay United Bank · Cathay United Tree Points (credit card)TWD 1,800.00standard / year
Model notes: Plan period 2026/1/1–12/31. 3% is Level 2 (autopay); Level 1 2%.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 0.03 units / TWD 1 · foreign
- Transit & rideshare: 0.03 units / TWD 1 · any
- Other flights: 0.03 units / TWD 1 · any
- Other hotels: 0.03 units / TWD 1 · any
- Travel (general): 0.03 units / TWD 1 · any
- Everything else: 0.003 units / TWD 1 · domestic
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Cathay United Bank EVA Air Co-brand Eternity Infinite CardTW · Cathay United Bank · EVA Air Infinity MileageLandsTWD 20,000.00standard / year
Model notes: Domestic TWD 20 = 1 mile. Accelerated earning through 2026-12-31; rates needing registration not modelled. The official page lists only the annual fee; earn rates come from Money101 and roo.cash. Card network is assumed.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 0.05 units / TWD 1 · any
- Everything else: 0.1 units / TWD 1 · foreign · TWD 2,000,000.00 / annual
- Everything else: 0.06666666666666667 units / TWD 1 · foreign
- Travel (general): 0.1 units / TWD 1 · foreign · TWD 2,000,000.00 / annual
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Cathay United Bank EVA Air Co-brand Infinite CardTW · Cathay United Bank · EVA Air Infinity MileageLandsTWD 2,400.00standard / year
Model notes: Domestic TWD 22 = 1 mile. Sources disagree on whether overseas spend earns a bonus, so it is not modelled for now. Card network is assumed.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 0.045454545454545456 units / TWD 1 · any
- Everything else: 0.1 units / TWD 1 · foreign · TWD 1,500,000.00 / annual
- Everything else: 0.06666666666666667 units / TWD 1 · foreign
- Travel (general): 0.1 units / TWD 1 · foreign · TWD 1,500,000.00 / annual
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
CTBC Bank7 cards
CTBC China Airlines Co-brand Bright Infinite CardTW · CTBC Bank · China Airlines Dynasty FlyerTWD 8,000.00standard / year
Model notes: 1 mile per TWD 20, overseas in-person 2x. Includes Dynasty Flyer Gold for 1 year; renewal 6,000 miles not counted. Benefits 2026-07-01 to 12-31. 2x on China Airlines/Mandarin Airlines website tickets, CAL eMall, and in-flight duty-free not modelled (this tool has no China Airlines direct-booking category); birthday-month overseas 3x not modelled. Card network is assumed.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 0.05 units / TWD 1 · any
- Everything else: 0.1 units / TWD 1 · foreign · TWD 1,200,000.00 / monthly
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
CTBC China Airlines Co-brand Business Signature CardTW · CTBC Bank · China Airlines Dynasty FlyerTWD 1,800.00standard / year
Model notes: 1 mile per TWD 30, overseas in-person 2x. First-year fee waived; fee waived with NT$60,000 annual spend (you can set the annual fee to 0). Benefits 2026-07-01 to 12-31. 2x on China Airlines/Mandarin Airlines website tickets, CAL eMall, and in-flight duty-free not modelled (this tool has no China Airlines direct-booking category); birthday-month overseas 3x not modelled. Card network is assumed.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 0.03333333333333333 units / TWD 1 · any
- Everything else: 0.06666666666666667 units / TWD 1 · foreign · TWD 600,000.00 / monthly
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
CTBC China Airlines Co-brand Royal Infinite CardTW · CTBC Bank · China Airlines Dynasty FlyerTWD 22,000.00standard / year
Model notes: 1 mile per TWD 18, overseas in-person 2x. Includes Dynasty Flyer Gold for 2 years and worldwide lounges; renewal 20,000 miles not counted. Benefits 2026-07-01 to 12-31. 2x on China Airlines/Mandarin Airlines website tickets, CAL eMall, and in-flight duty-free not modelled (this tool has no China Airlines direct-booking category); birthday-month overseas 3x not modelled. Card network is assumed.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 0.05555555555555555 units / TWD 1 · any
- Everything else: 0.1111111111111111 units / TWD 1 · foreign · TWD 1,440,000.00 / monthly
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
CTBC LINE Pay CardTW · CTBC Bank · LINE POINTSTWD 1,800.00standard / year
Model notes: 2026 programme 2026/1/1–12/31 with promo addenda to 12/31. Card must be bound to a Taiwan LINE Pay account. Points expire 180 days after the last earning. The NT$1,800 list fee comes from CTBC's generic Signature row (unconfirmed for this co-brand). Merchant 5% promos need monthly registration with limited places.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 0.05 units / TWD 1 · foreign · TWD 20,455.00 / quarterly
- Everything else: 0.028 units / TWD 1 · foreign
- Food delivery apps (Uber Eats, DoorDash, SkipTheDishes): 0.05 units / TWD 1 · domestic · TWD 2,500.00 / quarterly
- Online marketplaces (Amazon, eBay, Walmart.com): 0.05 units / TWD 1 · domestic · TWD 2,500.00 / quarterly
- Streaming: 0.05 units / TWD 1 · any · TWD 2,500.00 / quarterly
- Groceries: 0.05 units / TWD 1 · domestic · TWD 2,500.00 / quarterly
- Home improvement: 0.05 units / TWD 1 · domestic · TWD 2,500.00 / quarterly
- Travel (general): 0.05 units / TWD 1 · any · TWD 2,500.00 / quarterly
- Everything else: 0.01 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
CTBC Marriott Bonvoy Infinite CardTW · CTBC Bank · Marriott BonvoyTWD 6,600.00standard / year
Model notes: Annual fee NT$6,600 is the list price; renewal fee unconfirmed. 1 point per TWD 20; overseas in-person TWD 10 = 1 point; Marriott hotels TWD 8 = 1 point. Comes with Silver; NT$1 million annual spend upgrades to Gold.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 0.05 units / TWD 1 · any
- Everything else: 0.1 units / TWD 1 · foreign
- Marriott hotels: 0.125 units / TWD 1 · any · TWD 96,000.00 / quarterly
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
CTBC Marriott Bonvoy Royal Infinite CardTW · CTBC Bank · Marriott BonvoyTWD 22,000.00standard / year
Model notes: New card from 2026-09. 1 point per TWD 18; overseas in-person TWD 8 = 1 point; Marriott hotels TWD 6 = 1 point. The welcome offer is elite night credits, not free-night certificates. Comes with Gold status; NT$1.5 million annual spend upgrades to Platinum. Overseas online spend earns the base rate; this tool cannot distinguish overseas online from in-person spend.
FX fee: 1.5% · Checked: 2026-10-25
Modeled earn rates
- Everything else: 0.05555555555555555 units / TWD 1 · any
- Everything else: 0.125 units / TWD 1 · foreign
- Marriott hotels: 0.16666666666666666 units / TWD 1 · any · TWD 144,000.00 / quarterly
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
CTBC Marriott Bonvoy Signature CardTW · CTBC Bank · Marriott BonvoyTWD 0.00standard / year
Model notes: First-year fee waived; later annual fee unconfirmed, assumed 0 for now and editable in the advanced view. 1 point per TWD 22; overseas in-person TWD 12 = 1 point; Marriott hotels TWD 10 = 1 point.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 0.045454545454545456 units / TWD 1 · any
- Everything else: 0.08333333333333333 units / TWD 1 · foreign
- Marriott hotels: 0.1 units / TWD 1 · any · TWD 60,000.00 / quarterly
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
E.SUN Bank8 cards
E.SUN Pi CardTW · E.SUN Bank · TWD cash backTWD 3,000.00standard / year
Model notes: Spend-tier bonus (+0.8% at NT$10k, +2% at NT$30k a month) not modelled. P coin = NT$1 at Pi partner merchants, valid 180 days. Annual fee is secondary.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Paid by mobile wallet: 5 units / TWD 1 · domestic · TWD 7,500.00 / monthly
- Everything else: 1 units / TWD 1 · any
- Everything else: 3 units / TWD 1 · any · TWD 150,000.00 / monthly
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
E.SUN STARLUX Airlines Co-brand Titanium Business CardTW · E.SUN Bank · STARLUX COSMILETWD 1,200.00standard / year
Model notes: A personal card despite the name. Lounge visits (U.First, formerly DragonPass) need NT$30,000 of new spend within 60 days including an international ticket or tour, or NT$200,000 within 180 days; guest rules not stated. Renewal 800 miles. No fee waiver.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- STARLUX: 0.08 units / TWD 1 · any
- Everything else: 0.0667 units / TWD 1 · foreign
- Everything else: 0.04 units / TWD 1 · any
DragonPass / Visa Airport Companion · 2 · guests 0
Official / supporting sources
E.SUN STARLUX Airlines Co-brand Titanium CardTW · E.SUN Bank · STARLUX COSMILETWD 500.00standard / year
Model notes: First year free. Renewal 300 miles. No lounge access. Rates valid through 2026-12-31.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- STARLUX: 0.0714 units / TWD 1 · any
- Everything else: 0.05 units / TWD 1 · foreign
- Everything else: 0.0357 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
E.SUN STARLUX Airlines Co-brand World CardTW · E.SUN Bank · STARLUX COSMILETWD 6,000.00standard / year
Model notes: Needs income of NT$1M+ a year. Lounge visits (U.First) need the same spend threshold; guest rules not stated. Renewal 5,000 miles. No fee waiver.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- STARLUX: 0.1 units / TWD 1 · any
- Everything else: 0.1 units / TWD 1 · foreign
- Everything else: 0.05 units / TWD 1 · any
DragonPass / Visa Airport Companion · 12 · guests 0
Official / supporting sources
E.SUN STARLUX Airlines Co-brand World Elite CardTW · E.SUN Bank · STARLUX COSMILETWD 100,000.00standard / year
Model notes: Invitation only (credit line NT$1M+). Renewal gift 30,000 miles (not modelled). Lounge visits need the spend threshold. No fee waiver.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- STARLUX: 0.1333 units / TWD 1 · any
- Everything else: 0.1 units / TWD 1 · foreign
- Everything else: 0.0667 units / TWD 1 · any
DragonPass / Visa Airport Companion · 18 · guests 0
Official / supporting sources
E.SUN Unicard · FlexibleTW · E.SUN Bank · TWD cash backTWD 3,000.00standard / year
Model notes: Promo period 2026/7/1–12/31. Only your 8 chosen merchants or countries earn 3.5% (bonus capped at NT$40,000 of spend a month), so the rules overstate this plan.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Online marketplaces (Amazon, eBay, Walmart.com): 3.5 units / TWD 1 · domestic · TWD 40,000.00 / monthly
- Paid by mobile wallet: 3.5 units / TWD 1 · domestic · TWD 40,000.00 / monthly
- Food delivery apps (Uber Eats, DoorDash, SkipTheDishes): 3.5 units / TWD 1 · domestic · TWD 40,000.00 / monthly
- Gas & EV charging: 3.5 units / TWD 1 · domestic · TWD 40,000.00 / monthly
- Transit & rideshare: 3.5 units / TWD 1 · domestic · TWD 40,000.00 / monthly
- Other flights: 3.5 units / TWD 1 · any · TWD 40,000.00 / monthly
- Travel (general): 3.5 units / TWD 1 · any · TWD 40,000.00 / monthly
- Watsons: 3.5 units / TWD 1 · domestic · TWD 40,000.00 / monthly
- Cosmed: 3.5 units / TWD 1 · domestic · TWD 40,000.00 / monthly
- Everything else: 3.5 units / TWD 1 · foreign · TWD 40,000.00 / monthly
- Everything else: 1 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
E.SUN Unicard · SimpleTW · E.SUN Bank · TWD cash backTWD 3,000.00standard / year
Model notes: Promo period 2026/7/1–2026/12/31. 3% = 1% base (needs e-statement + E.SUN account autopay) + 2% bonus capped at 1,000 points a month (NT$50,000 of spend, shared). 1 e point = NT$1. Default plan.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Online marketplaces (Amazon, eBay, Walmart.com): 3 units / TWD 1 · domestic · TWD 50,000.00 / monthly
- Paid by mobile wallet: 3 units / TWD 1 · domestic · TWD 50,000.00 / monthly
- Food delivery apps (Uber Eats, DoorDash, SkipTheDishes): 3 units / TWD 1 · domestic · TWD 50,000.00 / monthly
- Gas & EV charging: 3 units / TWD 1 · domestic · TWD 50,000.00 / monthly
- Transit & rideshare: 3 units / TWD 1 · domestic · TWD 50,000.00 / monthly
- Other flights: 3 units / TWD 1 · any · TWD 50,000.00 / monthly
- Travel (general): 3 units / TWD 1 · any · TWD 50,000.00 / monthly
- Watsons: 3 units / TWD 1 · domestic · TWD 50,000.00 / monthly
- Cosmed: 3 units / TWD 1 · domestic · TWD 50,000.00 / monthly
- Groceries: 3 units / TWD 1 · domestic · TWD 50,000.00 / monthly
- Home improvement: 3 units / TWD 1 · domestic · TWD 50,000.00 / monthly
- Entertainment: 3 units / TWD 1 · domestic · TWD 50,000.00 / monthly
- Everything else: 3 units / TWD 1 · foreign · TWD 50,000.00 / monthly
- Everything else: 1 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
E.SUN Unicard · UPTW · E.SUN Bank · TWD cash backTWD 1,788.00standard / year
Model notes: Promo period 2026/7/1–12/31. +3.5% bonus capped at 5,000 points a month (~NT$142,857). The yearly cost shown is the UP subscription (149 e point a month = NT$1,788 a year), free if last month’s Unicard spend ≥NT$30,000 and E.SUN assets ≥NT$300,000. The card’s own NT$3,000 fee is waived by the e-statement and autopay the condition already needs.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Online marketplaces (Amazon, eBay, Walmart.com): 4.5 units / TWD 1 · domestic · TWD 142,857.00 / monthly
- Paid by mobile wallet: 4.5 units / TWD 1 · domestic · TWD 142,857.00 / monthly
- Food delivery apps (Uber Eats, DoorDash, SkipTheDishes): 4.5 units / TWD 1 · domestic · TWD 142,857.00 / monthly
- Gas & EV charging: 4.5 units / TWD 1 · domestic · TWD 142,857.00 / monthly
- Transit & rideshare: 4.5 units / TWD 1 · domestic · TWD 142,857.00 / monthly
- Other flights: 4.5 units / TWD 1 · any · TWD 142,857.00 / monthly
- Travel (general): 4.5 units / TWD 1 · any · TWD 142,857.00 / monthly
- Watsons: 4.5 units / TWD 1 · domestic · TWD 142,857.00 / monthly
- Cosmed: 4.5 units / TWD 1 · domestic · TWD 142,857.00 / monthly
- Groceries: 4.5 units / TWD 1 · domestic · TWD 142,857.00 / monthly
- Home improvement: 4.5 units / TWD 1 · domestic · TWD 142,857.00 / monthly
- Entertainment: 4.5 units / TWD 1 · domestic · TWD 142,857.00 / monthly
- Everything else: 4.5 units / TWD 1 · foreign · TWD 142,857.00 / monthly
- Everything else: 1 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
HSBC Bank (Taiwan)3 cards
HSBC Cash Back Signature CardTW · HSBC Bank (Taiwan) · TWD cash backTWD 2,000.00standard / year
Model notes: Terms 2026/10/1–12/31, renewed each period. Cash points never expire. Annual fee NT$2,000 is secondary.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1.22 units / TWD 1 · domestic
- Everything else: 2.22 units / TWD 1 · foreign
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
HSBC Traveller Infinite CardTW · HSBC Bank (Taiwan) · HSBC Taiwan travel pointsTWD 8,000.00standard / year
Model notes: Domestic TWD 18 = 1 point, overseas TWD 10 = 1 point, no cap. Travel points transfer 1:1 to 16 airlines (incl. China Airlines, EVA Air, Asia Miles). 8 lounge visits.
FX fee: 1.5% · Checked: 2026-10-25
Modeled earn rates
- Everything else: 0.05555555555555555 units / TWD 1 · domestic
- Everything else: 0.1 units / TWD 1 · foreign
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
HSBC Traveller Signature CardTW · HSBC Bank (Taiwan) · HSBC Taiwan travel pointsTWD 2,500.00standard / year
Model notes: Domestic TWD 18 = 1 point, overseas TWD 15 = 1 point, no cap. Travel points transfer 1:1 to 16 airlines. 2 lounge visits.
FX fee: 1.5% · Checked: 2026-10-25
Modeled earn rates
- Everything else: 0.05555555555555555 units / TWD 1 · domestic
- Everything else: 0.06666666666666667 units / TWD 1 · foreign
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Shanghai Commercial & Savings Bank1 card
SCSB Teresa Card (JCB Eternity)TW · Shanghai Commercial & Savings Bank · TWD cash backTWD 1,200.00standard / year
Model notes: JCB Eternity card. Lounges from JCB Taiwan: 8 free visits a year to the card lounges JCB lists in Japan and Hawaii; guests pay. A conditional Plaza Premium benefit at TPE/TSA (after a NT$30,000+ airfare charge and registration) is not modelled. LoungeKey visits work only at the lounges JCB designates (PVG, BKK, KUL, ICN, SIN, FRA, LHR, SGN, HAN); guests pay US$35.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Online marketplaces (Amazon, eBay, Walmart.com): 3.8 units / TWD 1 · domestic · TWD 10,000.00 / monthly
- Dining & delivery: 3.8 units / TWD 1 · domestic · TWD 10,000.00 / monthly
- Everything else: 2 units / TWD 1 · foreign · TWD 50,000.00 / monthly
- Everything else: 0.8 units / TWD 1 · any
JCB Lounge · 8 · guests 0 / JCB LoungeKey (selected lounges) · 8 · guests 0
Official / supporting sources
Taipei Fubon Bank3 cards
Fubon Costco Co-brand CardTW · Taipei Fubon Bank · TWD cash backTWD 1,800.00standard / year
Model notes: Rewards are Costco Cash (NT$1 each), usable only on Costco membership fees or warehouse purchases; modelled as cash. Travel bonuses need monthly registration and end 2026/12/31. The 6% rail promo (needs NT$12,000 prior spend) is not modelled.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Costco: 2 units / TWD 1 · domestic
- Gas & EV charging: 3 units / TWD 1 · domestic · TWD 20,000.00 / monthly
- Everything else: 5 units / TWD 1 · foreign · TWD 15,000.00 / monthly
- Other flights: 3 units / TWD 1 · any · TWD 30,000.00 / monthly
- Travel (general): 3 units / TWD 1 · any · TWD 30,000.00 / monthly
- Everything else: 1 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Fubon J CardTW · Taipei Fubon Bank · TWD cash backTWD 1,800.00standard / year
Model notes: Rates 2026/4/1–12/31, needing e-statement OR Fubon account autopay (otherwise 0.5%). Japan/Korea/Thailand in-person bonuses of 6% and Suica top-ups need quarterly registration (not modelled). Lounges come from JCB Taiwan for the JCB Platinum version (the Visa and Mastercard versions have none): 6 free visits a year to the card lounges JCB lists in Japan and Hawaii; guests pay. LoungeKey visits work only at the lounges JCB designates (PVG, BKK, KUL, ICN, SIN, FRA, LHR, SGN, HAN); guests pay US$35.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1 units / TWD 1 · domestic
- Everything else: 6 units / TWD 1 · foreign · TWD 33,333.00 / quarterly
- Everything else: 3 units / TWD 1 · foreign
- Everything else: 1 units / TWD 1 · foreign
- Transit & rideshare: 2 units / TWD 1 · domestic
JCB Lounge · 6 · guests 0 / JCB LoungeKey (selected lounges) · 2 · guests 0
Official / supporting sources
Fubon momo CardTW · Taipei Fubon Bank · TWD cash backTWD 1,800.00standard / year
Model notes: Cash rebate outside momo offsets new momo card spend on the next 6 statements. mo coin = NT$1, valid 1 year. Promo up to 7% on selected momo brands 2026/10/1–12/31 not modelled.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Online marketplaces (Amazon, eBay, Walmart.com): 3 units / TWD 1 · domestic · TWD 66,667.00 / monthly
- Everything else: 1 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Taishin Bank7 cards
Taishin Richart Card · Big SpendTW · Taishin Bank · TWD cash backTWD 3,000.00standard / year
Model notes: Programme period 2026/7/1–2027/12/31. Level 2 modelled. Its main value, 3.3% at department stores, outlets and fashion brands, has no category and isn't modelled.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Home improvement: 3.3 units / TWD 1 · domestic
- Everything else: 0.3 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Taishin Richart Card · ChillTW · Taishin Bank · TWD cash backTWD 3,000.00standard / year
Model notes: Selectable 2026/7/8–2026/12/31. Rates are Level 2 'up to' figures (requires Taishin account autopay of the card bill; Level 1 max 1.3%). The 10% dining applies to named stores only, so it overstates general restaurants.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Streaming: 5 units / TWD 1 · any
- Entertainment: 5 units / TWD 1 · any
- Online marketplaces (Amazon, eBay, Walmart.com): 3.3 units / TWD 1 · domestic
- Everything else: 0.3 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Taishin Richart Card · DailyTW · Taishin Bank · TWD cash backTWD 3,000.00standard / year
Model notes: Programme period 2026/7/1–2027/12/31; default plan. Level 2 (Taishin account autopay) modelled.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Groceries: 3.3 units / TWD 1 · domestic
- Convenience stores (7-Eleven, Couche-Tard / Circle K): 3.3 units / TWD 1 · domestic
- Transit & rideshare: 3.3 units / TWD 1 · domestic
- Gas & EV charging: 3.3 units / TWD 1 · domestic
- Poya: 3.3 units / TWD 1 · domestic
- Cosmed: 3.3 units / TWD 1 · domestic
- Watsons: 3.3 units / TWD 1 · domestic
- Drugstores: 3.3 units / TWD 1 · domestic
- Everything else: 0.3 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Taishin Richart Card · DigitalTW · Taishin Bank · TWD cash backTWD 3,000.00standard / year
Model notes: Programme period 2026/7/1–2027/12/31. Level 2 modelled.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Online marketplaces (Amazon, eBay, Walmart.com): 3.3 units / TWD 1 · any
- Online shopping: 3.3 units / TWD 1 · any
- Streaming: 3.3 units / TWD 1 · any
- Everything else: 0.3 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Taishin Richart Card · DiningTW · Taishin Bank · TWD cash backTWD 3,000.00standard / year
Model notes: Programme period 2026/7/1–2027/12/31. Level 2 (Taishin account autopay) modelled.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Dining & delivery: 3.3 units / TWD 1 · domestic
- Entertainment: 3.3 units / TWD 1 · domestic
- Other hotels: 3.3 units / TWD 1 · domestic
- Everything else: 0.3 units / TWD 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Taishin Richart Card · PayTW · Taishin Bank · TWD cash backTWD 3,000.00standard / year
Model notes: Programme period 2026/7/1–2027/12/31. Level 2 (Taishin account autopay) modelled. The foreign rule applies only to Taishin Pay+ wallet payments in Japan and Korea, so it overstates card swipes.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Paid by mobile wallet: 3.8 units / TWD 1 · domestic
- Convenience stores (7-Eleven, Couche-Tard / Circle K): 3.8 units / TWD 1 · domestic
- Everything else: 3.8 units / TWD 1 · foreign
- Everything else: 0.3 units / TWD 1 · domestic
- Paid by mobile wallet: 2.3 units / TWD 1 · domestic
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Taishin Richart Card · TravelTW · Taishin Bank · TWD cash backTWD 3,000.00standard / year
Model notes: Programme period 2026/7/1–2027/12/31. Level 2 (Taishin account autopay) modelled.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 3.3 units / TWD 1 · foreign
- Other flights: 3.3 units / TWD 1 · any
- Travel (general): 3.3 units / TWD 1 · any
- Everything else: 0.3 units / TWD 1 · domestic
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Union Bank of Taiwan2 cards
Union Bank Jiho CardTW · Union Bank of Taiwan · TWD cash backTWD 1,000.00standard / year
Model notes: JCB Platinum card. Japan mobile-pay and store bonuses (up to 5.5%) 2026/7/1–12/31 not modelled. Lounges come from JCB Taiwan for Platinum cards: 6 visits in Japan/Hawaii, FX fee 1.5% assumed. LoungeKey visits work only at the lounges JCB designates (PVG, BKK, KUL, ICN, SIN, FRA, LHR, SGN, HAN); guests pay US$35.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1 units / TWD 1 · domestic
- Everything else: 5 units / TWD 1 · foreign · TWD 40,000.00 / monthly
- Everything else: 2.5 units / TWD 1 · foreign
- Everything else: 1 units / TWD 1 · foreign
- Drugstores: 5 units / TWD 1 · domestic · TWD 12,500.00 / monthly
- Home improvement: 5 units / TWD 1 · domestic · TWD 12,500.00 / monthly
JCB Lounge · 6 · guests 0 / JCB LoungeKey (selected lounges) · 2 · guests 0
Official / supporting sources
Union Bank LINE Points CardTW · Union Bank of Taiwan · TWD cash backTWD 2,000.00standard / year
Model notes: Promo rates 2026/7/1–12/31. The even-day pool can run out early in the month. LINE Points = NT$1, valid 180 days. FX fee 1.5% assumed.
FX fee: 1.5% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1 units / TWD 1 · domestic
- Everything else: 3 units / TWD 1 · foreign
- Paid by mobile wallet: 2 units / TWD 1 · domestic · TWD 20,000.00 / monthly
- Dining & delivery: 6 units / TWD 1 · domestic · TWD 3,000.00 / monthly
- Watsons: 6 units / TWD 1 · domestic · TWD 3,000.00 / monthly
- Poya: 6 units / TWD 1 · domestic · TWD 3,000.00 / monthly
- Convenience stores (7-Eleven, Couche-Tard / Circle K): 5 units / TWD 1 · domestic
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
United Kingdom12 cards
American Express5 cards
American Express Preferred Rewards Gold Credit CardGB · American Express · American Express Membership Rewards (UK)GBP 195.00standard / year
Model notes: UK residents only. First year free. 5,000 bonus points per £10,000 spent, up to 10,000 a year (not modelled). FX fee 2.99% assumed.
FX fee: 2.99% · Checked: 2026-10-26
Modeled earn rates
- Other flights: 2 units / GBP 1 · any
- Everything else: 2 units / GBP 1 · foreign
- Everything else: 1 units / GBP 1 · domestic
Priority Pass · 4 · guests 0
Official / supporting sources
British Airways American Express Credit CardGB · American Express · British Airways Club AviosGBP 0.00standard / year
Model notes: UK residents only. Companion Voucher after £15,000 a year (economy, valid 1 year). FX fee 2.99% is the Amex UK standard rate.
FX fee: 2.99% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1 units / GBP 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
British Airways American Express Premium Plus CardGB · American Express · British Airways Club AviosGBP 300.00standard / year
Model notes: UK residents only. Companion Voucher after £15,000 a year: any cabin on BA, Iberia or Aer Lingus reward flights, valid 24 months. BA Club tier points 1 per £10 (capped). Not modelled.
FX fee: 2.99% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1.25 units / GBP 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Marriott Bonvoy American Express Card (UK)GB · American Express · Marriott BonvoyGBP 95.00standard / year
Model notes: UK residents only. Free Night Award (up to 25,000 points) after £25,000 per anniversary year. Elite night credits are reported not to stack with US Marriott cards. FX fee 2.99% is the Amex UK standard.
FX fee: 2.99% · Checked: 2026-10-26
Modeled earn rates
- Marriott hotels: 6 units / GBP 1 · any
- Everything else: 2 units / GBP 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
The Platinum Card from American Express (UK)GB · American Express · American Express Membership Rewards (UK)GBP 650.00standard / year
Model notes: UK residents only. Also Accor, Meliá and Radisson status, wellness credits, FHR benefits and travel insurance. FX fee 2.99% assumed.
FX fee: 2.99% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1 units / GBP 1 · any
Priority Pass · ∞ · guests 1 / Centurion · ∞ · guests 1
Official / supporting sources
Barclays3 cards
Barclaycard Avios MastercardGB · Barclays · British Airways Club AviosGBP 0.00standard / year
Model notes: UK residents only. After £20,000 in 12 months: a BA cabin upgrade voucher or 7,000 Avios. FX fee 2.99% assumed.
FX fee: 2.99% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1 units / GBP 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Barclaycard Avios Plus MastercardGB · Barclays · British Airways Club AviosGBP 240.00standard / year
Model notes: UK residents only. £20 a month. After £10,000 in 12 months: a BA cabin upgrade voucher or 7,000 Avios. Lounge passes are paid. Can't be held with Barclaycard Avios. FX fee 2.99% assumed.
FX fee: 2.99% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 1.5 units / GBP 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Barclaycard Rewards VisaGB · Barclays · Cash back (GBP)GBP 0.00standard / year
Model notes: UK residents only. No fees abroad, including cash withdrawals.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 0.25 units / GBP 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Chase1 card
Chase UK Debit CardGB · Chase · Cash back (GBP)GBP 0.00standard / year
Model notes: UK residents only. The old 1% offer is gone. No FX fee abroad.
FX fee: 0% · Checked: 2026-10-26
Modeled earn rates
- Groceries: 2 units / GBP 1 · domestic · GBP 1,000.00 / monthly
- Dining & delivery: 2 units / GBP 1 · domestic · GBP 1,000.00 / monthly
- Transit & rideshare: 2 units / GBP 1 · domestic · GBP 1,000.00 / monthly
- Gas & EV charging: 2 units / GBP 1 · domestic · GBP 1,000.00 / monthly
- Everything else: 0 units / GBP 1 · any
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Currensea2 cards
Marriott Bonvoy Debit CardGB · Currensea · Marriott BonvoyGBP 55.00standard / year
Model notes: UK residents only, with a UK bank account. No free night. US stacking unconfirmed.
FX fee: 0.5% · Checked: 2026-10-26
Modeled earn rates
- Marriott hotels: 2 units / GBP 1 · domestic
- Marriott hotels: 4 units / GBP 1 · foreign
- Everything else: 1 units / GBP 1 · domestic
- Everything else: 2 units / GBP 1 · foreign
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
Marriott Bonvoy Premium Debit CardGB · Currensea · Marriott BonvoyGBP 175.00standard / year
Model notes: UK residents only: draws from a linked UK bank account. Launched November 2025. Renewal Free Night Award (25,000 or 50,000 points) after £5,000 / £9,500 of foreign-currency spend. Stacking its night credits with US Marriott cards is unconfirmed, so the optimizer doesn't add US and UK credits together.
FX fee: 0.5% · Checked: 2026-10-26
Modeled earn rates
- Marriott hotels: 4 units / GBP 1 · domestic
- Marriott hotels: 6 units / GBP 1 · foreign
- Everything else: 1.5 units / GBP 1 · domestic
- Everything else: 3 units / GBP 1 · foreign
No verified complimentary benefit modeled. This does not rule out other benefits.
Official / supporting sources
HSBC UK Bank plc1 card
HSBC Premier World Elite Mastercard (UK)GB · HSBC UK Bank plc · HSBC UK RewardsGBP 290.00standard / year
Model notes: UK residents with an HSBC Premier current account. Unlimited Priority Pass; guests assumed paid. Transfers include EVA Infinity MileageLands at 2:1.
FX fee: 2.99% · Checked: 2026-10-26
Modeled earn rates
- Everything else: 3 units / GBP 1 · domestic
- Everything else: 4 units / GBP 1 · foreign
Priority Pass · ∞ · guests 0