Guides & analysis
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Valuations, strategy, and program guides — every piece answers who it's for, what the assumptions are, and when the data was last checked.
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Card Stack Strategy · 2026-07-06
The Best Credit Card for Costco in Canada (It's Not the Obvious One)
Costco Canada only accepts Mastercard at the register — and most grocery multipliers don't apply there. The cards that actually pay at the warehouse, ranked.
Card Rankings · 2026-07-06
Best Credit Cards in Canada: The Points Standard Ranking
Our current #1 overall pick, the runners-up, and how to choose between them — scored on real net value, not headline bonuses. Full ranking, methodology, and last-reviewed dates.
Card Stack Strategy · 2026-07-06
When to Cancel, Downgrade, or Keep a Credit Card
The three-question test to run before every annual renewal, plus when downgrading beats cancelling — and the mistakes that cost more than the fee you're trying to save.
Program Guides · 2026-07-05
How to Redeem Aeroplan Points: Every Option, Ranked
The six ways to use Aeroplan points, ranked by cents-per-point value — what to book, what to avoid, and the order of operations before you redeem.
Card Rankings · 2026-07-05
Amex Cobalt vs Gold Rewards: Which Amex Should You Carry?
Canada's two mid-tier Amex cards, compared on real math: earn rates, welcome bonuses, credits, and who should carry which — or both.
Point Valuations · 2026-07-05
What Are Aeroplan Points Worth in 2026?
Our July 2026 Aeroplan valuation: 2.1¢ per point for informed redemptions, with the math, the floor value, and the redemptions to avoid.
Point Valuations · 2026-07-04
What Are Amex Membership Rewards Points Worth in Canada?
Amex Membership Rewards points are worth 2.0¢ each in our July 2026 index — but only if you transfer. The full valuation math for Canadians.
Card Stack Strategy · 2026-07-03
How to Build a Two-Card Wallet in Canada
One card can't cover Canada's acceptance gaps and category rates. Two can. The frameworks and three concrete pairings we'd actually use.
Program Guides · 2026-07-02
How Welcome Bonuses Really Work (and How to Value Them)
Minimum spends, drip schedules, first-year-free asterisks, and the math for what a bonus is actually worth — before you apply.
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