List of credit cards friendly to people who don't qualify for Visa Infinite/MC World/MC World Elite; only good cards
CIBC Aventura Gold: 2 points for every $ spent through the CIBC Travel Centre; 1.5 points for every $1 spent at gas stations, grocery stores and drugstores; 1 point for ever $ spend on all other purchases; $120 annual fee (includes emergency travel medical insurance, 15 days coverage if 64 or under, up to $5 000 000)
Laurentian Bank Explore Visa: 3 points on pre-authorized debits; 2 points on travel, transportation or foreign currency purchases; 1 point on all other purchases $110 annual fee (includes emergency travel medical insurance; 31 days if 65 and under; 15 days if 66 to 75; up to $5 000 000)
BMO CashBack MasterCard: earn 3% cashback on all grocery purchases for up to $600 a month; 1% on recurring purchases and 0.5% on all other purchases.
Brim Financial MasterCard: earn 2% on Amazon purchases to to $10000/year (note: this does not include Audible); 2% on select streaming services (such as Netflix and Spotify); 1% on every purchases; no foreign FX transaction fees.
Canadian Tire Cash Advantage: earn 1% up to $24000 (tiered); earn 1.5% above $24000; pay for bills only payable with a bank account and earn cashback for it
Capital One Costco MasterCard: earn 3% on restaurant purchases and 2% on gas purchases; for all other purchases, 0.5% for the first $3000 in a year, 1% afterwards.
PC MasterCard: earn 10 PC points for all regular purchases; earn 25 points for every $1 of purchase at Shoppers Drug Mart/Pharmaprix; bonus of 2 cents per litre in PC Optimum points for Esso purchases
Rogers MasterCard: earn 3% on all USD purchases; 1% on everything else
Tangerine MasterCard: earn 2% on various purchases categories (2 without a Tangerine savings account; 3 with one); earn 0.5% on all other purchases
Cobalt Card: Earn 5 points for every $1 in purchases for restaurant/food purchases in Canada; earn 2 points for every $1 in purchases for travel and transit in Canada; earn 1 point for every $1 in everything else. ($10 monthly fee) (includes emergency medical travel insurance, 15 consecutive days if under 65, up to $5 000 000)
Gold Rewards: earn 2 MR points for every 1$ of purchase in travel, grocery, drugstore and gas station purchases. Earn 1 MR points for everything else. MR points can be exchanged for Aeroplan points (and other frequent flyer programs) for a better earn rate. ($150 annual fee (includes emergency medical travel insurance, 15 consecutive days if under 65, up to $5 000 000)
Scotiabank American Express Gold: 5% in Scotiabank points (redeemable on travel) for all grocery, dining and entertainment purchases; 3% for all gas, daily transit and select Internet streaming services; 1% on everything else; $120 annual fee (includes travel medical insurance; 25 days for under 65; 3 days for 65 and up; $1 000 000 coverage)
SimplyCash Card: earn 1.25% on all purchases; earn 2.5% in your first 3 months (up to $150)
SimplyCash Preferred: earn 2% on all purchases ($99 annual fee); earn 5% cashback in your first 6 months (up to $300) (includes emergency medical travel insurance, 15 consecutive days if under 65, up to $5 000 000)