At a Glance
Best Credit Cards Comparison
Tangerine Money-Back Card
BEST CASH BACKNo Annual Fee • 4% Cash Back
Annual Fee
$0
Welcome Bonus
$50 Cash
Best For
Everyday Spending
Key Features:
- 4% back on 3 chosen categories
- 2% on groceries & gas
- 0.50% on everything else
- No minimum income
American Express Cobalt
BEST FOR DINING$156/year • 5x Points on Food
Annual Fee
$156
Welcome Bonus
60,000 Points
Best For
Dining & Travel
Key Features:
- 5x points on dining
- 5x points on groceries
- 2x points on travel
- $60K bonus worth $600+
Scotiabank Momentum VISA Infinite
BEST FOR GROCERIES$120/year • 4% Back on Groceries & Gas
Annual Fee
$120
Welcome Bonus
$200 Cash
Best For
Families
Key Features:
- 4% back on groceries & gas
- 2% on recurring bills
- 1% on everything else
- $60K minimum income
How We Ranked These Cards
- Rewards Rate: Higher earn rates ranked first
- Welcome Bonus: Value of sign-up offers
- Annual Fee: Value relative to benefits
- Perks: Insurance, lounge access, etc.
How to Choose
The best credit card depends on your spending habits. If you spend a lot on groceries and gas, choose a card with high rewards in those categories.
Consider whether the annual fee is worth it based on the rewards you'll actually earn.
Read our full guideFrequently Asked Questions
What credit score do I need for these cards?
Most premium cards require a credit score of 650+. No-fee cards may accept scores as low as 600.
Are welcome bonuses worth it?
Yes! Many bonuses are worth $400-$1000 if you meet the minimum spend requirement.
Should I pay an annual fee?
If the rewards you earn exceed the fee, yes. Calculate your expected earn on typical spending categories.