Head-to-head comparisons

Card vs card, same rubric.

The matchups people actually decide between, compared component by component on the Standard Score — with a verdict on which card wins for whom. Want to build your own matchup? Try the comparison explorer.

All comparisons

Amex Cobalt Card vs Amex Gold Rewards Card

The Gold Rewards wins the first year on bonus size; the Cobalt wins every year after on its 5x food earn — the strongest earn rate in Canadian cards.

Amex Cobalt Card vs Amex Platinum Card (Canada)

These aren't rivals so much as a sequence: the Cobalt earns Membership Rewards faster than any card in Canada, and the Platinum converts travel days into lounges, credits, and status.

Amex Cobalt Card vs Scotiabank Gold American Express

Canada's two food-earning heavyweights.

CIBC Dividend Visa Infinite vs Scotia Momentum Visa Infinite

The two best cash-back Visas in Canada, separated by category mix and payout mechanics.

Amex SimplyCash Preferred vs CIBC Dividend Visa Infinite

Both hit 4% on gas and groceries; the split is network and base rate.

Rogers Red World Elite Mastercard vs Amex SimplyCash Preferred

One is free, one earns more.

Amex Platinum Card (Canada) vs Amex Aeroplan Reserve Card

Amex's two premium travel cards split on one question: how much of your flying is Air Canada? The Reserve buys Maple Leaf Lounge access and the biggest Aeroplan bonuses in the program; the Platinum buys flexibility — transferable points, lounge access on any airline, and credits that work everywhere.

Amex Aeroplan Reserve Card vs TD Aeroplan Visa Infinite Privilege

Same $599 fee, same core Air Canada perks — Maple Leaf Lounges, priority services, free first bag.

TD Aeroplan Visa Infinite vs TD Aeroplan Visa Infinite Privilege

The Privilege more than quadruples the fee, and what it buys is lounge access and a bigger bonus — the checked-bag perk and preferred Aeroplan pricing that carry most of the value are on both cards.

RBC Avion Visa Infinite vs RBC Avion Visa Infinite Privilege

Both earn the same Avion points against the same redemption chart.

RBC British Airways Visa Infinite vs RBC Avion Visa Infinite

Same bank, opposite philosophies.

RBC Avion Visa Infinite vs TD First Class Travel Visa Infinite

A contest of point quality versus headline size.

Scotiabank Passport Visa Infinite vs Scotiabank Gold American Express

Scotiabank's two no-FX cards split by what you do abroad versus at home.

TD Aeroplan Visa Infinite vs Amex Aeroplan Card

The two entry Aeroplan cards at nearly the same fee, split by network.

Scotiabank Platinum American Express vs Amex Platinum Card (Canada)

Two premium Amex cards with opposite theories of value.

TD Cash Back Visa Infinite vs CIBC Dividend Visa Infinite

Two big-bank cash-back Visas that usually come down to rates versus perks.

WestJet RBC World Elite Mastercard vs BMO VIPorter World Elite Mastercard

Canada's two non-Aeroplan airline cards, and the right answer is whichever airline actually flies your routes.

BMO Ascend World Elite Mastercard vs Scotiabank Passport Visa Infinite

Two $150 travel cards making different bets.

Tangerine Money-Back Credit Card vs Simplii Financial Cash Back Visa Card

Both are free forever; the difference is what happens after the promo period.

RBC Avion Visa Infinite vs TD Aeroplan Visa Infinite

The classic entry-level travel-card question: a flexible points program versus a single airline's currency.

TD Aeroplan Visa Infinite vs CIBC Aeroplan Visa Card

Same Aeroplan points, very different cards.

Amex Cobalt Card vs TD Aeroplan Visa Infinite

A flexible earner against a single-airline specialist.

RBC Avion Visa Infinite vs CIBC Aventura Visa Infinite

Both are bank-branded travel points at a similar fee, but they pay off differently.

Amex Business Platinum Card vs Amex Platinum Card (Canada)

Personal and business twins with the same $799 fee, the same Centurion lounge network, and Membership Rewards that pool into one balance.

Amex Cobalt Card vs Scotiabank Passport Visa Infinite

Different jobs entirely.

Amex Cobalt Card vs RBC Avion Visa Infinite

The Cobalt earns faster on food than Avion earns on anything, and MR points transfer to more places than Avion does.

Scotiabank Passport Visa Infinite vs RBC Avion Visa Infinite

Both are $120-$150 travel cards for people who don't want to overthink redemptions, but they solve different problems.