Catalog
A structured snapshot of the current card catalog surfaced through Perq.
American Express
American Express Cobalt
Score 94
High-value everyday points card with standout dining and grocery earn rates.
Best for
Food, dining, streaming, and flexible travel redemptions
Fee
$156 annual fee
RBC
RBC Avion Visa Infinite
Score 89
Flexible travel card with broad insurance coverage and strong airline redemption flexibility.
Best for
Travel-oriented RBC users who want flexible points
Fee
$120 annual fee
TD
TD Aeroplan Visa Infinite
Score 87
A focused Air Canada card with practical travel perks and Aeroplan integration.
Best for
Frequent Air Canada travellers and Aeroplan collectors
Fee
$139 annual fee
Scotiabank
Scotiabank Momentum Visa Infinite
Score 85
Strong cash back card for recurring bills, groceries, and household spending.
Best for
Families optimizing recurring bills and grocery spend
Fee
$120 annual fee
BMO
BMO CashBack World Elite Mastercard
Score 82
Competitive premium cash back card with strong grocery positioning and everyday utility.
Best for
Users who want premium cash back without travel complexity
Fee
$120 annual fee
CIBC
CIBC Dividend Visa Infinite
Score 80
Solid mainstream cash back card with a straightforward reward structure.
Best for
Everyday spenders who want a simple premium cash back setup
Fee
$120 annual fee
Tangerine
Tangerine Money-Back
Score 84
Flexible no-fee cash back card with user-selected spend categories.
Best for
No-fee users who want customizable everyday rewards
Fee
No annual fee
BMO
BMO SPC CashBack Mastercard
Score 76
Student-friendly no-fee option with simple cash back and campus-relevant positioning.
Best for
Students and first-card users
Fee
No annual fee