I wanted to get the Amex cobalt but some friends are telling me that the signup bonus is a bit low rn and to wait for an offer.

Is there another card that’s worth it?

For reference I’m in the GTA and spend money on going out and groceries. Could also consider using chexy to pay for my rent.

I already have a Scotia passport infinite for lounge access and foreign travel.

My family and I currently put nearly all of our purchases, bill payments, and charitable giving on our Costco credit card.

After reviewing our statements, I realized that over the past few years we’ve charged close to $50,000 annually, yet the cash-back return feels underwhelming.

Given that level of spending, I’m wondering which credit card might be the best fit for maximizing cash back or points. We rarely travel internationally, so I’ve leaned toward cash-back rewards instead of travel points, but I’m open to either if the value is compelling.

What card would you recommend for someone with this spending pattern?

I’m literally bleeding money on the forex exchange rates and they all seem to say they’re travel cards but more often than not it’s geared towards USA bound travel.

I currently have.. Amex Cobalt ($156) Scotia Passport ($150) Scotia Momentum ($120) RBC and Scotia free card which I’m not using but keeping it for account history.

I’m using Momentum only for rent since I can utilize the cash back limit completely.

I was thinking to add BMO Cashback WE MC since the fees can be waived off with current performance plan I have. Is there a better combo available?

There is also an option to replace Cobalt with Scotia Gold Amex ane Passport with Rogers WE MC. What is your opinion?

What is the best Credit Card from any major Canadian Bank?

Hello everyone,

Right now, I have 2 credit cards

1. Momentum visa cashback cc with scotiabank

2. Avion visa infinte cc with RBC

I am from India and would like to have a credit card for travel- going to India in 1-2 years. And preferably another card for like everyday spendings.

I would also like to have another one for backup as well.

What would you guys recommend ? Should I keep these 2 or go for another set ?

I am in ontario, canada if anyone’s wondering.

I spend about 56k per year, most is supermarket, gas, eating out, dollar stores, fruits and veggies.

I am thinking about getting the Rogers Red Mastercard but wonder if there is a better option out there, if possible NO FEE too.

I also wonder what Rogers mean by "eligible purchases", I called them and was not informed if gas and supermarket can be considered or not

Thank you

I will be starting my career soon, and will be living at home before moving out next year. My goal is to save as much money as possible to build a lump sum for investing. I will be spending a maximum of 500$ a month with the majority of expenses on food and gas, what credit card makes the most sense for me?

Most credit cards that are “premium” are mainly giving travel benefits, but I was looking for a card with lots of cash back and other perks because I barely take flights so lounges ans such don’t matter, any recommendations? I’d prefer something from rbc, scotia bank or envision financial

I have a RBC credit card which I have been using for 2 years. I am thinking about getting a new one. Which will be some of the best credit cards to have living in BC, canada? It can be based on cash back or reward systems.

I currently have the td aeroplan visa (not the VIP one) don’t think it’s worth the upgrade for $500 esp with the changes coming in 2026. And I don’t travel a ton so the perks aren’t worth it, but I have amassed about 160k aeroplan points over about 2.5 years. I also have the Costco mc but typically use it only for Costco. I pay for most things on credit card and feel like I’m missing out of offers / points / cashback. What are some of the best credit cards for someone earning 150k? Any help is appreciated!

Title.

I’m reinventing my whole credit card situation and have been looking into credit card offers and reviews. It seems like unanimously, everywhere you look everyone agrees that the American Express Cobalt is the overall best credit card in Canada but there never seems to be a runner up, it just then breaks it down by category.

I like the Amex Cobalt but I do most of my grocery shopping at Costco and I’m not really looking to constantly try and use a loophole like buying a prepaid MasterCard just to shop for groceries. There’s other reasons I don’t want an Amex as well like the monthly fee and various other things so I’m just looking for the overall best credit card in Canada that’s not American Express. Pretend Amex didn’t exist for a second, what’s the best card?

I'm a post secondary student looking for a better credit card that best suits my purchases.

I currently have the TD credit card that has no annual fee. My issue is the low cash back/reward percentage as well as the categories. I don't pay for gas since I transit or do groceries much as I live with my parents, so most of my purchases only gain about 0.5% cash back.

I tend to spend my money on activities/entertainment, food ("dining out" more than groceries) as I'm on campus a lot, and subscriptions. I'm looking for a cash back/reward percentage more than 2% if possible with little to no annual fee.

I tried to look into simplii, tangerine, scotiabank, and BMO but I had a hard time weighing out the pros/cons of each ones. super overwhelming.

Please help!! :')

Hello PFC!

So I'm in the market for a new credit card since Wealthsimple removed the 1% cashback from their prepaid MasterCard, my current daily driver. Would y'all be able to recommend a good alternative for me based on my situation? I'm a bit overwhelmed by the available options

Facts:

• I prefer to have one "daily driver" card for everything and at most one other card for recurring payments, for ease of reconciliations (I'm willing to forgo "cardmaxxing" for this)

• I would prefer a no-fee card but if the benefits vastly outweigh the costs, I might be open to it. I'd probably spend something like $500(?) a month, maybe?

• With my credit union: currently have an empty CHQ/SAV and an MC which I use for subscriptions/recurring bills. MC is no-fee with 1% cashback on grocery, gas + sustainable transit, select recurring bills + digital streaming purchases and 0.5% cashback on everything else

• With Simplii Financial: currently have an empty CHQ/SAV, have not yet applied for their Visa CC

• Projected income will likely be somewhere between $55,000-$65,000/year starting January

• Mobile phones are currently on Koodo but not tied to it (if the Rogers MC is a good option). I also currently have our "home" cell phone under Rogers in my name so I'm already considered a Rogers customer.

• I don't plan to own a car for the next few years ideally (although I know how to drive), so unsure how useful the Triangle Rewards MC will be

• I do plan to get a Costco membership shared with my brother when we move out later this year, so their MC could be an option although idk how we'll allocate points

• Too poor to travel for now (╥﹏╥)

Thank you for your help! :)