The Teardown Directory

Personal Visa · $0 fee · 2.5% FX fee

8x at More Rewards Partners

8x ≈ 1.20% back

Personal Visa · $139.00 fee · 2.5% FX fee

8x on Expedia For TD

8x = 4%: points worth 0.5¢ at most

Personal Visa · $89.00 fee · 2.5% FX fee

6x on Expedia For TD

4.5x = 2.25%: points worth 0.5¢ at most

Personal American Express · $191.88 ($15.99/mo) fee · 2.5% FX fee

5x on Eats & Drinks

5x capped at $2,500/month combined

Personal Mastercard · $150.00 fee · 2.5% FX fee

5x on Travel

Medical: 21 days, none at 65+

Personal Mastercard · $139.00 fee · 2.5% FX fee

5% on Groceries

Bonus rates capped every statement period

Personal Visa · $120.00 fee · 2.5% FX fee

5x on Groceries, Dining, Gas & Transit

5x stops after $6,000 on groceries/dining

Personal Visa · $599.00 fee · 2.5% FX fee

5x on Dining, Travel, Groceries & Gas

Full bonus needs $75,000 in 12 months

Personal American Express · $120.00 fee · 2.5% FX fee

5x at Marriott Hotels

No travel medical or trip cancellation

Business American Express · $150.00 fee · 2.5% FX fee

5x at Marriott Hotels

No travel medical or trip cancellation

Personal Visa · $0 fee · 2.5% FX fee

5x at More Rewards Partners

5x ≈ 0.75% back

Personal American Express · $120.00 fee · No FX fee

6x at Sobeys-family grocers

Foreign purchases earn only 1x

Personal Visa · $120.00 fee · 2.5% FX fee

4% on Groceries & Gas

4% and 2% stop after $20,000 a year

Personal Mastercard · $120.00 fee · 2.5% FX fee

4% in points at Loblaw grocers

$120 fee vs the no-fee World Elite

Personal Visa · $120.00 fee · 2.5% FX fee

4% on Groceries & Bills

Medical: 15 days, none at 65+

Personal American Express · $119.88 ($9.99/mo) fee · 2.5% FX fee

4% on Gas & Groceries

Cash back paid yearly; lost if you close

Personal Visa · $0 fee · 2.5% FX fee

4x on Expedia For TD

3x = 1.5%: points worth 0.5¢ at most

Business American Express · $599.00 fee · 2.5% FX fee

3x on Air Canada

Fee rises to $799 from January 2027

Personal American Express · $599.00 fee · 2.5% FX fee

3x on Air Canada

Fee rises to $799 from January 2027

Personal Mastercard · $0 fee · 2.5% FX fee

3% on Groceries

3% grocery capped at $500/month; base 0.5%

Personal Mastercard · $199.00 fee · 2.5% FX fee

3x on Porter

Yearly companion pass needs $50,000 spend

Personal Visa · $499.00 fee · 2.5% FX fee

3x on Rewards Centre Travel

$200 credit: Rewards Centre only, by Dec 31

Personal Mastercard · $0 fee · 2.5% FX fee

3% on Restaurants & Costco Gas

Cash back: yearly, Costco certificate only

Personal Visa · $99.00 fee · 2.5% FX fee

3% on Groceries & Gas

3% and 2% stop after $20,000 a year

Personal Mastercard · $0 fee · 2.5% FX fee

3% in points at Loblaw grocers & Shoppers

PC Financial picks the card tier, not you

Personal Visa · $165.00 fee · 2.5% FX fee

3x on British Airways

Bonus needs $6,000 in 90 days

Personal Mastercard · $120.00 fee · 2.5% FX fee

3% on Groceries, Dining & Gas

Medical: 10 days, 3 at 65+, call first

Personal Visa · $48.00 fee · 2.5% FX fee

3x on Groceries, Dining & Gas

3x ≈ 2% back at gift-card value

Personal Visa · $599.00 fee · No FX fee

3x on Travel

20,000 points need a 2nd year of fees

Personal Mastercard · $0 fee · 2.5% FX fee

3% on Groceries

5% welcome: $2,500 of spending, $125 max

Personal Visa · $139.00 fee · 2.5% FX fee

3% on Groceries, Gas & Bills

3% capped at $15,000 per category

Personal Visa · $0 fee · 2.5% FX fee

5 pts per $2 on Groceries, Dining & Bills

"5x" means 5 points per $2 spent

Personal American Express · $120.00 fee · 2.5% FX fee

2x on Air Canada

Fee rises to $150 from January 2027

Personal American Express · $250.00 fee · 2.5% FX fee

2x on Gas, Groceries & Travel

$800 value counts paid lounge visits

Personal American Express · $0 fee · 2.5% FX fee

1x on Everything

No travel insurance included

Personal Mastercard · $150.00 fee · 2.5% FX fee

10x at Blue Rewards Partners

Medical: 15 days, none at 65+

Personal Mastercard · $89.00 fee · 2.5% FX fee

2x on Porter

Yearly 35% voucher needs $25,000 spend

Personal Mastercard · $0 fee · 2.5% FX fee

1.5x in Your Top 3 Categories

$200 offer = $40 as a card credit

Personal Mastercard · $0 fee · 2.5% FX fee

1.5x in Your Top 3 Categories

$280 offer = $100 as a card credit

Personal Visa · $139.00 fee · 2.5% FX fee

2x on Rewards Centre Travel

Medical: 15 days, none at 65+

Personal Visa · $139.00 fee · 2.5% FX fee

2x on Rewards Centre Travel

Medical: 15 days, only 3 at 65+

Personal Visa · $0 fee · 2.5% FX fee

2% on Groceries

Base rate 0.5%; bonus capped at $20,000

Personal Visa · $0 fee · 2.5% FX fee

2% on Groceries

Base rate 0.5%; bonus capped at $20,000

Personal Visa · $0 fee · 2.5% FX fee

2x at Metro & Jean Coutu

2x ≈ 1.6% at participating stores

Personal Mastercard · $0 fee · 2.5% FX fee

2% in points at Loblaw grocers & Shoppers

PC Financial picks the card tier, not you

Personal Mastercard · $0 fee · 2.5% FX fee

2% on Groceries

0.5% base rate; 21.99% interest

Personal Visa · $49.00 fee · 2.5% FX fee

2% on Everyday Categories

2% capped at $25,000 a year

Personal Visa · $49.00 fee · 2.5% FX fee

2% on Everyday Categories

2% capped at $25,000 a year

Personal American Express · $0 fee · 2.5% FX fee

3x at Sobeys-family grocers

No travel insurance

Personal American Express · $0 fee · 2.5% FX fee

3x at Sobeys-family grocers

No travel insurance

Personal Visa · $150.00 fee · No FX fee

3x at Sobeys-family grocers

Medical: 25 days, or 3 days at 65+

Personal American Express · $399.00 fee · No FX fee

2x on Everything

20,000 points need a 2nd year of fees

Personal Visa · $0 fee · 2.5% FX fee

2x at Sobeys-family grocers

2x only at three merchant groups

Personal Visa · $0 fee · 2.5% FX fee

2x at Sobeys-family grocers

2x only at three merchant groups

Personal American Express · $0 fee · 2.5% FX fee

2% on Gas & Groceries

Cash back paid yearly; lost if you close

Personal American Express · $799.00 fee · 2.5% FX fee

2x on Dining & Travel

$2,800 value assumes heavy spending

Personal Visa · $240.00 ($20.00/mo) fee · No FX fee

2% on Everything

$0 fee needs $100K assets or $4K deposits

Personal Visa · $240.00 ($20.00/mo) fee · No FX fee

2% on Everything

$0 fee needs $100K assets or $4K deposits

Personal Mastercard · $139.00 fee · 2.5% FX fee

2x on WestJet, Groceries & Gas

Companion voucher needs $5,000/yr spend

Personal Visa · $139.00 fee · 2.5% FX fee

1.5x on Groceries, Gas & Air Canada

Fee rises to $159 on Jan 12, 2027

Personal Visa · $599.00 fee · 2.5% FX fee

2x on Air Canada

Fee rises to $699 on Jan 12, 2027

Personal Visa · $0 fee · 2.5% FX fee

1.5x on Groceries, Gas & Streaming

1.5x ≈ 1% back at gift-card value

Personal Visa · $139.00 fee · 2.5% FX fee

1.5x on Gas, Groceries & Air Canada

Medical cover drops to 4 days at 65+

Personal Visa · $599.00 fee · 2.5% FX fee

2x on Air Canada

100k bonus needs $24,000 in spend

Personal Mastercard · $39.00 fee · 2.5% FX fee

1.5x on WestJet & Dining

No travel medical insurance

Business American Express · $799.00 fee · 2.5% FX fee

1.25x on Everything

6 lounge visits a year from 2027

Personal Visa · $120.00 fee · 2.5% FX fee

1.25x on Travel

Medical: 15 days, 3 at 65+, call first

Personal Visa · $399.00 fee · 2.5% FX fee

1.25x on Everything

45,000 bonus points need a second-year fee

Business American Express · $199.00 fee · 2.5% FX fee

1x + 10,000 pts per $20K quarter

No travel medical or trip cancellation

Personal Mastercard · $0 fee · 2.5% FX fee

5 pts per $1 at Blue Rewards Partners

"10x" = 5 pts/$; "2x" = 1 pt/$

Personal Visa · $0 fee · 2.5% FX fee

1x on Groceries, Gas & Air Canada

Everything else: 1 point per $1.50

Personal Visa · $0 fee · 2.5% FX fee

1x on Groceries, Gas & Air Canada

Everything else: 1 point per $1.50

Personal Visa · $0 fee · 2.5% FX fee

1x on Groceries & Gas

Everything else earns 0.5 points per $1

Personal Visa · $0 fee · 2.5% FX fee

1x on Groceries & Gas

Everything else earns 0.5 points per $1

Personal Visa · $35.00 USD fee · 2.5% FX fee

1x on Rewards Centre Travel

2.5% fee on all non-USD purchases, incl. CAD

Personal Mastercard · $0 fee · 2.5% FX fee

1% in PC Optimum points on everything

Grocery rate is the same 1% as everywhere

Personal Visa · $120.00 fee · 2.5% FX fee

1x on Everything

Same fee as Infinite, less coverage

Personal Visa · $65.00 USD fee · 2.5% FX fee

1x per U.S. Dollar

No travel medical insurance

Personal Mastercard · $0 fee · 2.5% FX fee

1% on Gas, Groceries & Bills

Close before November: lose year's cash back

Personal Visa · $0 fee · 2.5% FX fee

1% on Everyday Categories

0.5% base; 1% capped at $15,000

Personal Visa · $0 fee · 2.5% FX fee

1% on Everyday Categories

0.5% base; 1% capped at $15,000

Personal Visa · $110.00 fee · 2.5% FX fee

1x on Everything

No medical cover at 65+

Personal Visa · $89.00 fee · 2.5% FX fee

1x on Gas, Groceries & Air Canada

No travel medical or trip cancellation

Personal Visa · $0 fee · 2.5% FX fee

1% on Groceries, Gas & Bills

1% capped at $5,000 per category

Personal American Express · $25.00 fee · 2.5% FX fee

12.99% purchase rate

Missed payments: 12.99% becomes 29.99%

Personal Mastercard · $29.00 fee · 2.5% FX fee

13.99% purchase rate

2 missed payments: 13.99% becomes 25.99%

Personal Mastercard · $49.00 USD fee · 2.5% FX fee

Pay in U.S. dollars

2.5% fee on all non-USD purchases, incl. CAD

Personal Visa · $29.00 fee · 2.5% FX fee

No rewards

2 missed payments: 13.99% becomes 25.99%

Personal Visa · $20.00 fee · 2.5% FX fee

No rewards

One missed payment ends the 0.99% rate

Personal Visa · $0 fee · 2.5% FX fee

No rewards

No rewards

Personal Visa · $35.00 USD fee · 2.5% FX fee

No rewards

Non-USD purchases: 2.5% conversion fee

Personal Visa · $29.00 fee · 2.5% FX fee

No rewards

2 missed payments: 24.99% rate

Personal Visa · $29.00 fee · 2.5% FX fee

No rewards

2 missed payments: 24.99% rate

Personal Visa · $25.00 fee · 2.5% FX fee

No rewards

Rate tier set by credit: Prime + 4.5–12.75%

Personal Visa · $25.00 fee · 2.5% FX fee

No rewards

2 late payments: rates jump to 24.99%

Personal Visa · $39.00 USD fee · 2.5% FX fee

No rewards

2.5% fee on non-USD buys, and on refunds