Free tool · Canadian cards
Which card should I use for this?
Big purchase or trip coming up? Tick the cards already in your wallet, tell us what you are buying, and see which one to reach for. The most cash back or points is only half of it; the right card can also add years of warranty, mobile insurance, or the travel coverage that matters when a trip goes sideways.
1 · Your cards
Tap a bank to open it, then tick the cards you carry. Saved on this device and in the page link.
88 cards across 11 banks
2 · What are you buying?
Pick your cards to see the best one
Choose from the list and we will rank them for this purchase.
Rewards are only half the answer.
Phones & electronics
A card with mobile-device insurance or extended warranty often beats one earning slightly more cash back. Coverage on something that can break is worth more than a dollar or two.
Flights & trips
The tool weighs the whole travel suite: emergency medical, trip cancellation and interruption, flight delay, and baggage. If the ticket is in a foreign currency, a no-foreign-fee card can quietly win.
Rental cars
A card with collision/loss damage coverage (CDW) lets you decline the rental counter’s pricey waiver, often worth far more than the points on the rental itself.
Card details change. The 88 cards here use representative rates and coverage verified as of June 2026, drawn from issuer benefit guides and reputable Canadian sources; always confirm against your own cardholder agreement before counting on a specific benefit. Nothing here is financial advice.
Questions
- How does the tool decide?
- It computes the exact cash back or points each of your cards earns on that purchase, honouring monthly category caps and foreign-transaction fees. For purchases where insurance matters (phones, electronics, flights, trips, rentals) it then weighs the coverage each card actually carries. The headline pick balances both and shows you the trade-off in dollars.
- Why does a card with less cash back sometimes win?
- Because coverage can be worth far more than the reward. Mobile-device insurance on a phone, or emergency medical on a trip, routinely outweighs a dollar or two of extra cash back on something that can break or go wrong.
- Does the travel insurance cover everyone?
- Usually not. Most Canadian-card emergency medical only covers cardholders under 65 and the first stretch of a trip (often 10 to 25 days), and you typically must charge the trip to the card. Always read your certificate of insurance.
- Are these rates and coverage guaranteed?
- No. They are representative figures verified as of June 2026 from issuer benefit guides and reputable Canadian sources, and card terms change. Confirm against your own cardholder agreement before counting on a specific benefit. Nothing here is financial advice.
If it is a business buy
Earn the rewards, then claim the deduction.
A business phone, laptop, or flight is also a tax deduction. Claimable scans the receipt, maps it to the right CRA line on your T2125, and tracks the GST/HST you can claim back, so you keep both the rewards and the write-off.
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