進階規劃你的卡組

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 餐廳與外送: 2 單位 / CAD 1 · any
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Air France KLM World Elite Mastercard, Brim (official)
• Air France KLM World Elite Mastercard FAQ (official): 2.5% FX fee
• Milesopedia card page (secondary)

計算說明: 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.

海外手續費: 1.5% · 查核日: 2026-10-24

已建模回饋

• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms

計算說明: 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.

海外手續費: 0% · 查核日: 2026-10-23

已建模回饋

• 其他所有消費: 0.5 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• EQ Bank Card (official product page)
• EQ Bank Card Fees & Features (official)
• EQB press release (official), 'prepaid reloadable Mastercard issued by Equitable Bank'

計算說明: CAD 50,000 cap per bonus category. Household utilities/membership bonuses and birthday bonus excluded because mixed recurring bills cannot reliably identify eligible merchants.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 5 單位 / CAD 1 · any · CAD 50,000.00 / annual
• 餐廳與外送: 5 單位 / CAD 1 · any · CAD 50,000.00 / annual
• 影音訂閱: 5 單位 / CAD 1 · any · CAD 50,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and benefit terms

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 國泰航空: 4 單位 / CAD 1 · any
• 其他所有消費: 2 單位 / CAD 1 · foreign
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Cathay World Elite Mastercard – powered by Neo (official)
• Milesopedia: 2.5% FX fee (secondary)

計算說明: 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.

海外手續費: 3% · 查核日: 2026-10-24

已建模回饋

• 其他所有消費: 2 單位 / CAD 1 · any · CAD 4,000.00 / monthly
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms
• Issuer benefit / fee terms

計算說明: 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.

海外手續費: 3% · 查核日: 2026-10-24

已建模回饋

• 超市: 5 單位 / CAD 1 · any · CAD 1,000.00 / monthly
• 加油與充電: 3 單位 / CAD 1 · any · CAD 1,000.00 / monthly
• 定期帳單: 4 單位 / CAD 1 · any · CAD 500.00 / monthly
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms
• Issuer benefit / fee terms

計算說明: 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.

海外手續費: 3% · 查核日: 2026-10-24

已建模回饋

• 餐廳與外送: 5 單位 / CAD 1 · any · CAD 1,000.00 / monthly
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms
• Issuer benefit / fee terms

計算說明: 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.

海外手續費: 3% · 查核日: 2026-10-26

已建模回饋

• 聯合航空: 1.25 單位 / CAD 1 · any
• 加拿大航空: 1.25 單位 / CAD 1 · any
• 長榮航空: 1.25 單位 / CAD 1 · any
• 超市: 1 單位 / CAD 1 · any
• 餐廳與外送: 1 單位 / CAD 1 · any
• 其他所有消費: 0.75 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• United MileagePlus Neo World Elite Mastercard (official)
• Neo Help Centre, Fees on your credit card, Aug 31 2026 (official): 3% FX fee
• Milesopedia card page (secondary)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• Loblaw 旗下超市: 30 單位 / CAD 1 · domestic
• Shoppers／Pharmaprix: 30 單位 / CAD 1 · domestic
• 其他所有消費: 10 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms

計算說明: 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.

海外手續費: 3% · 查核日: 2026-10-23

已建模回饋

• 其他所有消費: 0 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• 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

計算說明: Modeled with grocery and restaurant as the two chosen categories. Third savings-account category not assumed; category elections must match your account.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 2 單位 / CAD 1 · any
• 餐廳與外送: 2 單位 / CAD 1 · any
• 其他所有消費: 0.5 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and benefit terms

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 1.5 單位 / CAD 1 · any
• 餐廳與外送: 1.5 單位 / CAD 1 · any
• 加油與充電: 1.5 單位 / CAD 1 · any
• 其他所有消費: 1 單位 / CAD 1 · any

DragonPass / Visa Airport Companion · 4 · 同行 10

官方／補充來源

• Tangerine Rewards World Elite terms
• Tangerine fee disclosure

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-23

已建模回饋

• 超市: 2.5 單位 / CAD 1 · any
• 交通與叫車: 5 單位 / CAD 1 · any
• 其他所有消費: 1.25 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Vancity enviro Visa Infinite card (official product page)
• enviro Visa Infinite Disclosure Statement (DISC-VI-REV-03-10-26, correct as of Mar 31, 2026), 2.5% FX administration fee
• Vancity Rewards program page (no maximum earn limit, 100 points = $1)
• Vancity local business benefits (10x partners)

計算說明: 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.

海外手續費: 0% · 查核日: 2026-10-24

已建模回饋

• 其他所有消費: 2 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• 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)

計算說明: 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.

海外手續費: 0% · 查核日: 2026-10-24

已建模回饋

• 其他所有消費: 2 單位 / CAD 1 · any

DragonPass / Visa Airport Companion · 6 · 同行 5

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms

計算說明: 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.

海外手續費: 0% · 查核日: 2026-10-23

已建模回饋

• 其他所有消費: 0 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• 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)

計算說明: 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).

海外手續費: 2.5% · 查核日: 2026-10-23

已建模回饋

• 加拿大國家銀行 À la carte 旅遊・飯店與租車: 2 單位 / CAD 1 · any
• 加拿大國家銀行 À la carte 旅遊・機票: 2 單位 / CAD 1 · any
• 超市: 5 單位 / CAD 1 · any · CAD 2,500.00 / monthly
• 餐廳與外送: 5 單位 / CAD 1 · any · CAD 2,500.00 / monthly
• 超市: 2 單位 / CAD 1 · any
• 餐廳與外送: 2 單位 / CAD 1 · any
• 加油與充電: 2 單位 / CAD 1 · any
• 定期帳單: 2 單位 / CAD 1 · any
• 其他所有消費: 1 單位 / CAD 1 · any

National Bank Lounge · ∞ · 同行 1

官方／補充來源

• National Bank World Elite Mastercard (official product page)
• NBC À la carte Rewards Plan Applicable Rules (30463-002, 2025/04), Schedule B
• NBC Help Centre, foreign currency fee 2.5%
• National Bank Lounge access

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 加拿大航空: 2 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 凱悅酒店: 2 單位 / CAD 1 · any
• 旅遊（一般）: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 交通與叫車: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 餐廳與外送: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 運費／快遞: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 電話／網路／有線電視: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

Air Canada Maple Leaf · 4 · 同行 3

官方／補充來源

• CIBC Aeroplan Visa Business Card, product page (official)
• CIBC Aeroplan Visa Business Benefits Guide (official)
• CIBC Business Credit Card rates and fees, 2.5% FX (official)
• CIBC notice of changes effective Jan 12, 2027 (official)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 加拿大航空: 2 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 凱悅酒店: 2 單位 / CAD 1 · any
• 旅遊（一般）: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 交通與叫車: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 餐廳與外送: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 運費／快遞: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 電話／網路／有線電視: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

Air Canada Maple Leaf · 4 · 同行 3

官方／補充來源

• CIBC Aeroplan Visa Business Plus Card, product page (official)
• CIBC Aeroplan Visa Business Plus Benefits Guide (official)
• CIBC Business Credit Card Agreement: $139 fee, 2.5% FX (official)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 加油與充電: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 加拿大航空: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and benefit terms

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 加油與充電: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 旅遊（一般）: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 餐廳與外送: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 加拿大航空: 2 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 其他所有消費: 1.25 單位 / CAD 1 · any

DragonPass / Visa Airport Companion · 6 · 同行 10 / Air Canada Maple Leaf · ∞ · 同行 1

官方／補充來源

• Issuer product and benefit terms

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 加拿大航空: 1 單位 / CAD 1 · any · CAD 40,000.00 / annual
• 超市: 1 單位 / CAD 1 · any · CAD 40,000.00 / annual
• 加油與充電: 1 單位 / CAD 1 · any · CAD 40,000.00 / annual
• 其他所有消費: 0.6667 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• CIBC Aeroplan Visa – product page (official)
• CIBC Aeroplan Visa benefits guide, $40,000 cap (official)
• CIBC rates and fees, $0 fee, 2.5% FX (official)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• CIBC Rewards Centre・飯店與租車: 2 單位 / CAD 1 · any
• CIBC Rewards Centre・機票: 2 單位 / CAD 1 · any
• 超市: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 加油與充電: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 藥妝店: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

DragonPass / Visa Airport Companion · 4 · 同行 3

官方／補充來源

• CIBC Aventura® Gold Visa* Card – product page (official)
• CIBC Aventura Gold Visa benefits guide: earn rates, $80,000 cap, lounge visits, NEXUS (official)
• CIBC rates and fees (11995-2026/10): annual fees, 2.5% foreign currency conversion (official)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• CIBC Rewards Centre・飯店與租車: 3 單位 / CAD 1 · any
• CIBC Rewards Centre・機票: 3 單位 / CAD 1 · any
• 超市: 2 單位 / CAD 1 · any · CAD 200,000.00 / annual
• 餐廳與外送: 2 單位 / CAD 1 · any · CAD 200,000.00 / annual
• 加油與充電: 2 單位 / CAD 1 · any · CAD 200,000.00 / annual
• 交通與叫車: 2 單位 / CAD 1 · domestic · CAD 200,000.00 / annual
• 娛樂: 2 單位 / CAD 1 · any · CAD 200,000.00 / annual
• 其他所有消費: 1.25 單位 / CAD 1 · any

DragonPass / Visa Airport Companion · 6 · 同行 5

官方／補充來源

• CIBC Aventura Visa Infinite Privilege – product page (official)
• CIBC Aventura Visa Infinite Privilege benefits guide: earn rates, $200,000 cap, $200 travel credit, lounge visits (official)
• CIBC rates and fees (11995-2026/10): annual fees, 2.5% foreign currency conversion (official)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• CIBC Rewards Centre・飯店與租車: 2 單位 / CAD 1 · any
• CIBC Rewards Centre・機票: 2 單位 / CAD 1 · any
• 超市: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 加油與充電: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 藥妝店: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

DragonPass / Visa Airport Companion · 4 · 同行 3

官方／補充來源

• CIBC Aventura® Visa Infinite* Card – product page (official)
• CIBC Aventura Visa Infinite benefits guide: earn rates, $80,000 cap, lounge visits (official)
• CIBC rates and fees (11995-2026/10): annual fees, 2.5% foreign currency conversion (official)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• CIBC Rewards Centre・飯店與租車: 1 單位 / CAD 1 · any
• CIBC Rewards Centre・機票: 1 單位 / CAD 1 · any
• 超市: 1 單位 / CAD 1 · any · CAD 6,000.00 / annual
• 加油與充電: 1 單位 / CAD 1 · any · CAD 6,000.00 / annual
• 藥妝店: 1 單位 / CAD 1 · any · CAD 6,000.00 / annual
• 其他所有消費: 0.5 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• CIBC Aventura Visa – product page (official)
• CIBC Aventura Visa benefits guide: earn rates, $6,000 cap (official)
• CIBC rates and fees (11995-2026/10): annual fees, 2.5% foreign currency conversion (official)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 4 單位 / CAD 1 · any · CAD 20,000.00 / annual
• 加油與充電: 4 單位 / CAD 1 · any · CAD 20,000.00 / annual
• 餐廳與外送: 2 單位 / CAD 1 · any · CAD 20,000.00 / annual
• 交通與叫車: 2 單位 / CAD 1 · any · CAD 20,000.00 / annual
• 定期帳單: 2 單位 / CAD 1 · any · CAD 20,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms

計算說明: Dining capped at CAD 5,000/year; fuel, grocery, pharmacy and pre-authorized payments share CAD 15,000/year. Introductory rates excluded.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 餐廳與外送: 4 單位 / CAD 1 · any · CAD 5,000.00 / annual
• 超市: 1.5 單位 / CAD 1 · any · CAD 15,000.00 / annual
• 加油與充電: 1.5 單位 / CAD 1 · any · CAD 15,000.00 / annual
• 藥妝店: 1.5 單位 / CAD 1 · any · CAD 15,000.00 / annual
• 定期帳單: 1.5 單位 / CAD 1 · any · CAD 15,000.00 / annual
• 其他所有消費: 0.5 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms
• Issuer benefit / fee terms

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 3 單位 / CAD 1 · any
• 餐廳與外送: 3 單位 / CAD 1 · any
• 加油與充電: 3 單位 / CAD 1 · any
• 交通與叫車: 3 單位 / CAD 1 · any
• 影音訂閱: 3 單位 / CAD 1 · any
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms

計算說明: Use the WestJet direct row for airline purchases. Companion voucher, checked bags, airline status, optional voucher-to-lounge exchanges and banking relationship offers excluded.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 西捷航空: 2 單位 / CAD 1 · any
• 超市: 2 單位 / CAD 1 · any
• 加油與充電: 2 單位 / CAD 1 · any
• 交通與叫車: 2 單位 / CAD 1 · any
• 其他所有消費: 1.5 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-23

已建模回饋

• 旅遊（一般）: 1.25 單位 / CAD 1 · any
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• RBC Avion Visa Infinite (official product page)
• RBC Avion Visa Infinite Benefits Guide (11/2023), travel = Visa MCC travel
• RBC Avion disclosure (108416 05/2022), FX 2.5% over benchmark, $120 fee / $50 additional card

計算說明: 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).

海外手續費: 2.5% · 查核日: 2026-10-23

已建模回饋

• 其他所有消費: 1.25 單位 / CAD 1 · any · CAD 75,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• RBC Avion Visa Infinite Business (official product page)
• RBC Avion Visa Infinite Business Benefits Guide (11/2023)
• RBC Business Credit Card Agreement (16187 04/2025), s.10.6 FX 2.5% over benchmark

計算說明: Not modelled: Petro-Canada linking (3 cents/L off and 20% more points there), retail partner offers.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• RBC Avion Visa Platinum (official)
• RBC Avion Visa Platinum Benefits Guide (official)
• Information Box for RBC Avion Visa Infinite and Visa Platinum: $120 fee, FX 2.5% (official)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 英國航空: 3 單位 / CAD 1 · any
• 餐廳與外送: 2 單位 / CAD 1 · any
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• RBC British Airways Visa Infinite (official)
• RBC BA offer page and legal disclaimers (official)
• Milesopedia: 2.5% FX fee (secondary)

計算說明: Terms from Oct 1, 2026. Not modelled: limited-time 5% on the first $2,000 for 6 months.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 超市: 2 單位 / CAD 1 · any
• 好市多: 0.5 單位 / CAD 1 · any
• Walmart 與量販店: 0.5 單位 / CAD 1 · any
• 加油與充電: 1 單位 / CAD 1 · any
• 交通與叫車: 1 單位 / CAD 1 · any
• 其他所有消費: 0.5 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• RBC Cash Back Mastercard (official)
• Updates to RBC Cash Back credit cards, Oct 1 2026 (official)
• RBC Cash Back Mastercard Information Box: FX 2.5% (official)

計算說明: No caps stated. Welcome offer (apply by Nov 4, 2026): 7,000 pts on approval plus 7,000 after $500 in first 3 months.

海外手續費: 2.5% · 查核日: 2026-10-23

已建模回饋

• 超市: 1.5 單位 / CAD 1 · any
• 加油與充電: 1.5 單位 / CAD 1 · any
• 交通與叫車: 1.5 單位 / CAD 1 · any
• 影音訂閱: 1.5 單位 / CAD 1 · any
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• RBC ION Visa (official product page)
• RBC ION Visa Benefits Guide (11/2023), MCC list
• RBC ION Visa application/disclosure (128184, 11/2025), FX 2.5% over benchmark, no annual fee

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-23

已建模回饋

• 超市: 3 單位 / CAD 1 · any
• 餐廳與外送: 3 單位 / CAD 1 · any
• 加油與充電: 3 單位 / CAD 1 · any
• 交通與叫車: 3 單位 / CAD 1 · any
• 影音訂閱: 3 單位 / CAD 1 · any
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• RBC ION+ Visa (official product page)
• RBC ION+ Visa Benefits Guide (11/2025)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-23

已建模回饋

• 超市: 3 單位 / CAD 1 · any · CAD 12,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Triangle World Elite Mastercard (official product page, Canadian Tire Bank)
• Triangle Mastercard family comparison (official, canadiantire.ca)
• Canadian Tire Bank cost of borrowing disclosure (FX = Mastercard rate + 2.5%)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 旅遊（一般）: 5 單位 / CAD 1 · any · CAD 15,000.00 / annual
• 餐廳與外送: 3 單位 / CAD 1 · any · CAD 10,000.00 / annual
• 娛樂: 3 單位 / CAD 1 · any · CAD 10,000.00 / annual
• 定期帳單: 3 單位 / CAD 1 · any · CAD 10,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

DragonPass / Visa Airport Companion · 4 · 同行 10

官方／補充來源

• Issuer product and benefit terms
• BMO Ascend benefit and cap terms

計算說明: Canadian merchant bonuses only. Each statement-cycle cap is annualized assuming steady monthly purchases; introductory bonus excluded.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 3 單位 / CAD 1 · domestic · CAD 500.00 / monthly
• 定期帳單: 1 單位 / CAD 1 · domestic · CAD 500.00 / monthly
• 其他所有消費: 0.5 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms

計算說明: Monthly caps annualized assuming steady monthly spend. First-year fee rebate is not automatic.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 5 單位 / CAD 1 · domestic · CAD 500.00 / monthly
• 交通與叫車: 4 單位 / CAD 1 · domestic · CAD 300.00 / monthly
• 加油與充電: 3 單位 / CAD 1 · domestic · CAD 300.00 / monthly
• 定期帳單: 2 單位 / CAD 1 · domestic · CAD 500.00 / monthly
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and benefit terms

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
• 餐廳與外送: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
• 加油與充電: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
• 交通與叫車: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 波特航空: 2 單位 / CAD 1 · any · CAD 10,000.00 / annual
• 加油與充電: 1 單位 / CAD 1 · any · CAD 3,000.00 / annual
• 交通與叫車: 1 單位 / CAD 1 · any · CAD 3,000.00 / annual
• 超市: 1 單位 / CAD 1 · any · CAD 5,000.00 / annual
• 餐廳與外送: 1 單位 / CAD 1 · any · CAD 5,000.00 / annual
• 其他飯店: 1 單位 / CAD 1 · any · CAD 3,000.00 / annual
• 其他所有消費: 0.5 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• BMO VIPorter Mastercard lineup (official)
• BMO credit card terms, footnote 106A (official)
• BMO VIPorter cardholder disclosure: FX 2.5% (official)

計算說明: 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+.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 波特航空: 3 單位 / CAD 1 · any · CAD 20,000.00 / annual
• 加油與充電: 2 單位 / CAD 1 · any · CAD 5,000.00 / annual
• 交通與叫車: 2 單位 / CAD 1 · any · CAD 5,000.00 / annual
• 超市: 2 單位 / CAD 1 · any · CAD 10,000.00 / annual
• 餐廳與外送: 2 單位 / CAD 1 · any · CAD 10,000.00 / annual
• 其他飯店: 2 單位 / CAD 1 · any · CAD 5,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• BMO VIPorter World Elite Mastercard (official)
• BMO credit card terms, footnote 113A: earn rates and caps (official)
• BMO VIPorter cardholder disclosure: FX 2.5%, $199 fee (official)

計算說明: 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.

海外手續費: 0% · 查核日: 2026-10-24

已建模回饋

• 超市: 3 單位 / CAD 1 · any
• 加油與充電: 3 單位 / CAD 1 · any
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms
• Issuer benefit / fee terms

計算說明: 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.

海外手續費: 0% · 查核日: 2026-10-24

已建模回饋

• 超市: 3 單位 / CAD 1 · any
• 加油與充電: 3 單位 / CAD 1 · any
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms
• Issuer benefit / fee terms

計算說明: Rogers' entry-level card. Modelled without Rogers services. Nov 18, 2026 changes not modelled.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 其他所有消費: 2 單位 / CAD 1 · foreign · CAD 16,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Rogers Red Mastercard (official)
• Rogers Red Mastercard Benefits Guide, Annual Cap $16,000 (official)
• Rogers Bank Disclosure Summary: FX 2.5% (official)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-23

已建模回饋

• 其他所有消費: 3 單位 / CAD 1 · foreign · CAD 61,000.00 / annual
• 其他所有消費: 1.5 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• 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

計算說明: 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.

海外手續費: 0% · 查核日: 2026-10-26

已建模回饋

• 其他所有消費: 1.5 單位 / CAD 1 · any

Plaza Premium (direct card benefit) · 6 · 同行 4

官方／補充來源

• Rogers Red World Legend Mastercard (official): $495 fee, 6 Plaza Premium passes
• Rogers Red World Legend Benefits Guide (official)
• Rogers Bank Disclosure Summary: 0% FX for Red World Legend (official)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 其他所有消費: 2 單位 / CAD 1 · foreign · CAD 26,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Rogers Red World Mastercard (official)
• Rogers Red World Mastercard Benefits Guide, Annual Cap $26,000 (official)
• Rogers Bank Disclosure Summary: FX 2.5% (official)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 加拿大航空: 3 單位 / CAD 1 · any
• 餐廳與外送: 2 單位 / CAD 1 · domestic
• 其他所有消費: 1.25 單位 / CAD 1 · any

Air Canada Maple Leaf · ∞ · 同行 1

官方／補充來源

• Issuer product and benefit terms

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

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 5 單位 / CAD 1 · domestic · CAD 2,500.00 / monthly
• 餐廳與外送: 5 單位 / CAD 1 · domestic · CAD 2,500.00 / monthly
• 影音訂閱: 3 單位 / CAD 1 · domestic
• 加油與充電: 2 單位 / CAD 1 · domestic
• 交通與叫車: 2 單位 / CAD 1 · domestic
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and benefit terms

計算說明: Four Canadian Plaza Premium person-visits, shared with guests. Priority Pass membership alone does not include free visits. Travel credit not auto-valued.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 2 單位 / CAD 1 · domestic
• 加油與充電: 2 單位 / CAD 1 · domestic
• 藥妝店: 2 單位 / CAD 1 · domestic
• 旅遊（一般）: 2 單位 / CAD 1 · any
• 其他所有消費: 1 單位 / CAD 1 · any

Plaza Premium (direct card benefit) · 4 · 同行 10

官方／補充來源

• Issuer product and benefit terms

計算說明: 2026 lounge terms. Plaza Premium/Priority Pass caps change January 2027; this annualized scenario is not a forecast. Guest benefits conservatively excluded. Credits excluded.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 餐廳與外送: 2 單位 / CAD 1 · domestic
• 旅遊（一般）: 2 單位 / CAD 1 · any
• 其他所有消費: 1 單位 / CAD 1 · any

Priority Pass · ∞ · 同行 1 / Plaza Premium (direct card benefit) · ∞ · 同行 1 / Centurion · ∞ · 同行 0

官方／補充來源

• Issuer product and benefit terms

計算說明: CAD 9.99 monthly fee outside Quebec. Grocery bonus capped at CAD 30,000/year. Quebec fee may differ; override actual fee.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 4 單位 / CAD 1 · domestic · CAD 30,000.00 / annual
• 加油與充電: 4 單位 / CAD 1 · domestic
• 其他所有消費: 2 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and benefit terms

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 加拿大航空: 3 單位 / CAD 1 · any
• 凱悅酒店: 2.5 單位 / CAD 1 · any
• 其他飯店: 2 單位 / CAD 1 · any
• 其他所有消費: 1.25 單位 / CAD 1 · any

Air Canada Maple Leaf · ∞ · 同行 1

官方／補充來源

• Aeroplan Business Reserve Card, product page (official)
• Aeroplan Business Reserve product changes effective Jan 12, 2027 (official)
• Aeroplan Business Reserve Cardmember Agreement 50498176 (09/26) (official)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 餐廳與外送: 3 單位 / CAD 1 · domestic · CAD 25,000.00 / annual
• 加油與充電: 3 單位 / CAD 1 · domestic · CAD 25,000.00 / annual
• 交通與叫車: 3 單位 / CAD 1 · domestic · CAD 25,000.00 / annual
• 辦公用品店: 3 單位 / CAD 1 · domestic · CAD 25,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Membership Rewards Terms 50500074 (10/26), Business Edge categories (official)
• Business Edge Cardmember Agreement 50498176 (09/26) (official)
• Archived official Business Edge page, June 2024 ($99 fee) (official, archived)
• Prince of Travel, Last call for the Business Edge Card, Aug 2024 (secondary)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Business Gold Rewards Card, product page (official)
• Membership Rewards Terms 50500074 (10/26), Appendix 1 (official)
• Business Gold Cardmember Agreement 50498176 (09/26) (official)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• American Express Green Card, product page (official)
• Membership Rewards Terms 50500074 (10/26), Appendix 1 (official)
• Green Card Cardmember Agreement 50498176 (09/26) (official)
• Milesopedia, Green Card (secondary, 2.5% FX figure only)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 其他所有消費: 1.25 單位 / CAD 1 · any

Priority Pass · ∞ · 同行 1 / Plaza Premium (direct card benefit) · ∞ · 同行 1 / Centurion · ∞ · 同行 0

官方／補充來源

• Business Platinum Card, product page (official)
• Membership Rewards Terms 50500074 (10/26), Appendix 1 (official)
• Prince of Travel, Amex Canada Platinum lounge changes 2027 (secondary)

計算說明: 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).

海外手續費: 2.5% · 查核日: 2026-10-23

已建模回饋

• 萬豪酒店: 5 單位 / CAD 1 · any
• 其他所有消費: 2 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Amex Canada, Compare Marriott Bonvoy credit cards (official)
• Marriott Bonvoy American Express Card offer page (official)
• Marriott Bonvoy Amex Cardmember Agreement 50498176 (09/26) (official)
• Milesopedia (secondary, used only for the 2.5% FX figure)
• Marriott, Canadian co-brand card benefits (official)

計算說明: 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).

海外手續費: 2.5% · 查核日: 2026-10-23

已建模回饋

• 萬豪酒店: 5 單位 / CAD 1 · any
• 加油與充電: 3 單位 / CAD 1 · domestic
• 餐廳與外送: 3 單位 / CAD 1 · domestic
• 旅遊（一般）: 3 單位 / CAD 1 · any
• 希爾頓酒店: 2 單位 / CAD 1 · any
• 其他所有消費: 2 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• 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)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 4 單位 / CAD 1 · any · CAD 25,000.00 / annual
• 定期帳單: 4 單位 / CAD 1 · any · CAD 25,000.00 / annual
• 加油與充電: 2 單位 / CAD 1 · any · CAD 25,000.00 / annual
• 交通與叫車: 2 單位 / CAD 1 · any · CAD 25,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms

計算說明: Canadian bonus categories only; CAD 50,000 shared annual cap. Selected grocers earn 6x; that merchant-specific extra point is not modeled.

海外手續費: 0% · 查核日: 2026-10-24

已建模回饋

• 超市: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
• 餐廳與外送: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
• 娛樂: 5 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
• 加油與充電: 3 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
• 交通與叫車: 3 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
• 影音訂閱: 3 單位 / CAD 1 · domestic · CAD 50,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and benefit terms

計算說明: Six DragonPass person-visits, registration required. Check the specific lounge in Visa Airport Companion. Selected merchant bonuses, travel credit and annual spend bonus excluded.

海外手續費: 0% · 查核日: 2026-10-24

已建模回饋

• 超市: 2 單位 / CAD 1 · any · CAD 50,000.00 / annual
• 餐廳與外送: 2 單位 / CAD 1 · any · CAD 50,000.00 / annual
• 娛樂: 2 單位 / CAD 1 · any · CAD 50,000.00 / annual
• 交通與叫車: 2 單位 / CAD 1 · any · CAD 50,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

DragonPass / Visa Airport Companion · 6 · 同行 10

官方／補充來源

• Issuer product and benefit terms

計算說明: 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.

海外手續費: 0% · 查核日: 2026-10-26

已建模回饋

• 其他所有消費: 1.5 單位 / CAD 1 · any

DragonPass / Visa Airport Companion · 6 · 同行 1

官方／補充來源

• Scotiabank Passport Visa Infinite Business Card, product page (official)

計算說明: Priority Pass: ten shared person-visits per membership year. Extra-card visits are not included. Portal multipliers excluded.

海外手續費: 0% · 查核日: 2026-10-24

已建模回饋

• 其他所有消費: 2 單位 / CAD 1 · any

Priority Pass · 10 · 同行 9

官方／補充來源

• Issuer product and current terms
• Issuer benefit / fee terms

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-23

已建模回饋

• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Scotiabank Scene+ Visa Card (official product page)
• Scotiabank credit card fees at a glance (2.5% foreign currency conversion fee)

計算說明: Current standard fee; announced CAD 159 renewal change not assumed here. Verify your actual fee. No complimentary lounge access assumed.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 加油與充電: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 加拿大航空: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and benefit terms

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• 超市: 3 單位 / CAD 1 · any · CAD 15,000.00 / annual
• 加油與充電: 3 單位 / CAD 1 · any · CAD 15,000.00 / annual
• 交通與叫車: 3 單位 / CAD 1 · any · CAD 15,000.00 / annual
• 定期帳單: 3 單位 / CAD 1 · any · CAD 15,000.00 / annual
• 影音訂閱: 3 單位 / CAD 1 · any · CAD 15,000.00 / annual
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and current terms

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-24

已建模回饋

• Expedia For TD・飯店與租車: 8 單位 / CAD 1 · any
• Expedia For TD・機票: 8 單位 / CAD 1 · any
• 超市: 6 單位 / CAD 1 · any · CAD 25,000.00 / annual
• 餐廳與外送: 6 單位 / CAD 1 · any · CAD 25,000.00 / annual
• 交通與叫車: 6 單位 / CAD 1 · any · CAD 25,000.00 / annual
• 定期帳單: 4 單位 / CAD 1 · any · CAD 25,000.00 / annual
• 影音訂閱: 4 單位 / CAD 1 · any · CAD 25,000.00 / annual
• 其他所有消費: 2 單位 / CAD 1 · any

DragonPass / Visa Airport Companion · 4 · 同行 3

官方／補充來源

• Issuer product and current terms

計算說明: 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).

海外手續費: 2.5% · 查核日: 2026-10-23

已建模回饋

• 加拿大航空: 2 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 旅遊（一般）: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 交通與叫車: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 餐廳與外送: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 運費／快遞: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 定期帳單: 1.5 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 網購: 1 單位 / CAD 1 · any
• 其他所有消費: 1 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• 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)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 加拿大航空: 2 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 凱悅酒店: 2 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 加油與充電: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 超市: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 旅遊（一般）: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 交通與叫車: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 餐廳與外送: 1.5 單位 / CAD 1 · any · CAD 100,000.00 / annual
• 其他所有消費: 1.25 單位 / CAD 1 · any

Air Canada Maple Leaf · ∞ · 同行 1 / DragonPass / Visa Airport Companion · 6 · 同行 10

官方／補充來源

• TD Aeroplan Visa Infinite Privilege – product page (official)
• TD Aeroplan application information box, 2.5% FX (official)
• Canadian Aeroplan cards are getting new benefits (secondary)

計算說明: 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.

海外手續費: 2.5% · 查核日: 2026-10-26

已建模回饋

• 加拿大航空: 1 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 加油與充電: 1 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 超市: 1 單位 / CAD 1 · any · CAD 80,000.00 / annual
• 其他所有消費: 0.6667 單位 / CAD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• TD Aeroplan Visa Platinum – product page (official)
• TD Aeroplan application information box, 2.5% FX (official)

計算說明: 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.

海外手續費: 0% · 查核日: 2026-10-26

已建模回饋

• Bilt Travel・飯店與租車: 3 單位 / USD 1 · any
• Bilt Travel・機票: 2 單位 / USD 1 · any
• 房租或房貸（免手續費刷卡）: 1 單位 / USD 1 · any
• 交通與叫車: 3 單位 / USD 1 · any
• 其他所有消費: 1 單位 / USD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Bilt Blue Card (official)
• Bilt Card 2.0 (official)

計算說明: 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.

海外手續費: 0% · 查核日: 2026-10-26

已建模回饋

• Bilt Travel・飯店與租車: 4 單位 / USD 1 · any
• Bilt Travel・機票: 3 單位 / USD 1 · any
• 餐廳與外送: 3 單位 / USD 1 · any
• 旅遊（一般）: 2 單位 / USD 1 · any
• 交通與叫車: 3 單位 / USD 1 · any
• 房租或房貸（免手續費刷卡）: 1 單位 / USD 1 · any
• 其他所有消費: 1 單位 / USD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Bilt Obsidian Card (official)

計算說明: The grocery choice: 3× up to $25,000 a year, then 1×.

海外手續費: 0% · 查核日: 2026-10-26

已建模回饋

• Bilt Travel・飯店與租車: 4 單位 / USD 1 · any
• Bilt Travel・機票: 3 單位 / USD 1 · any
• 超市: 3 單位 / USD 1 · any · USD 25,000.00 / annual
• 旅遊（一般）: 2 單位 / USD 1 · any
• 交通與叫車: 3 單位 / USD 1 · any
• 房租或房貸（免手續費刷卡）: 1 單位 / USD 1 · any
• 其他所有消費: 1 單位 / USD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Bilt Obsidian Card (official)

計算說明: World Legend Mastercard. Priority Pass with 2 guests.

海外手續費: 0% · 查核日: 2026-10-26

已建模回饋

• Bilt Travel・飯店與租車: 4 單位 / USD 1 · any
• Bilt Travel・機票: 3 單位 / USD 1 · any
• 交通與叫車: 4 單位 / USD 1 · any
• 房租或房貸（免手續費刷卡）: 1 單位 / USD 1 · any
• 其他所有消費: 2 單位 / USD 1 · any

Priority Pass · ∞ · 同行 2

官方／補充來源

• Bilt Palladium Card (official)

計算說明: 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.

海外手續費: 0% · 查核日: 2026-10-26

已建模回饋

• 哥倫比亞航空: 2 單位 / USD 1 · any
• 超市: 2 單位 / USD 1 · any
• 餐廳與外送: 2 單位 / USD 1 · any
• 其他所有消費: 1 單位 / USD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• avianca lifemiles American Express Card (official)

計算說明: 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).

海外手續費: 0% · 查核日: 2026-10-26

已建模回饋

• 哥倫比亞航空: 3 單位 / USD 1 · any
• 旅遊（一般）: 2 單位 / USD 1 · any
• 其他機票: 2 單位 / USD 1 · any
• 餐廳與外送: 2 單位 / USD 1 · any
• 其他所有消費: 1 單位 / USD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• avianca lifemiles American Express Elite Card (official)

計算說明: 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.

海外手續費: 0% · 查核日: 2026-10-24

已建模回饋

• 旅遊（一般）: 3 單位 / USD 1 · any
• 超市: 3 單位 / USD 1 · any
• 餐廳與外送: 3 單位 / USD 1 · any
• 加油與充電: 2 單位 / USD 1 · any
• 其他所有消費: 1 單位 / USD 1 · any

尚未納入免費貴賓室權益，不代表沒有其他權益。

官方／補充來源

• Issuer product and benefit terms

計算說明: 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.

海外手續費: 3% · 查核日: 2026-10-24

已建模回饋

• Chase Travel・飯店與租車: 5 單位 / USD 1 · any
• Chase Travel・機票: 5 單位 / USD 1 · any
• 餐廳與外送: 3 單位 / USD 1 · any
• 藥妝店: 3 單位 / USD 1 · any
• 其他所有消費: 1 單位 / USD 1 · any