{"source":"CiteHawk AI Index","record":"credit cards — 2026-08","url":"https://www.citehawk.com/leaderboards/editions/2026-08/credit-cards/ca","immutable":true,"snapshotId":"fa1f0539-f2c0-47eb-8361-c037e54d8dce","capturedAt":"2026-08-05T04:04:20.845+00:00","contentHash":"0821cc381d7927842cb7d2c90b0a1cd434e87b008278ebfd64d065f7bbaf7295","contentHashSpec":"sha256-v1: hex SHA-256 of the UTF-8 bytes of the compact JSON array (no whitespace, non-ASCII characters unescaped, as JavaScript JSON.stringify emits) of [provider, run, model, text] tuples, one per captured answer, sorted by provider then run","registryRulesHash":null,"registryRulesHashSpec":"sha256-v1: hex SHA-256 of the UTF-8 bytes of the compact JSON object {version, aliases, notInCategory, categoryAllow, serviceSlugRe} where aliases is the array of [foldedKey, canonicalName, pinnedDomain, categoryScope] tuples sorted by key, notInCategory and categoryAllow are arrays of [categorySlug, domains] tuples sorted by slug, and every domain/scope list is itself sorted","region":"ca","prompt":"What are the best credit cards in Canada? Recommend the top brands or products that people actually use.\n\nAnswer as if the user is in Canada.","providers":["openai","claude","gemini","perplexity","deepseek","grok","bing_copilot","google_aio"],"models":{"grok":"grok-4.5","claude":"claude-sonnet-5","gemini":"gemini-3.5-flash","openai":"gpt-5.5-2026-04-23","deepseek":"deepseek-v4-flash","google_aio":"google_aio","perplexity":"sonar","bing_copilot":"bing_copilot"},"runsPerProvider":1,"totalCalls":0,"ranking":[{"rank":1,"brand":"American Express Cobalt","domain":"americanexpress.com","score":54,"mentions":7,"recommendedBy":["bing_copilot","claude","deepseek","gemini","grok","openai","perplexity"],"averagePositionByProvider":{"grok":6,"claude":1,"gemini":1,"openai":1,"deepseek":1,"perplexity":1,"bing_copilot":8}},{"rank":2,"brand":"Scotiabank Gold American Express","domain":"scotiabank.com","score":53.1,"mentions":7,"recommendedBy":["bing_copilot","claude","deepseek","gemini","grok","openai","perplexity"],"averagePositionByProvider":{"grok":5,"claude":2,"gemini":4,"openai":4,"deepseek":4,"perplexity":2,"bing_copilot":2}},{"rank":3,"brand":"Tangerine","domain":"tangerine.ca","score":52,"mentions":7,"recommendedBy":["bing_copilot","claude","deepseek","gemini","grok","openai","perplexity"],"averagePositionByProvider":{"grok":7,"claude":5,"gemini":6,"openai":3,"deepseek":2,"perplexity":3,"bing_copilot":4}},{"rank":4,"brand":"TD Aeroplan Visa Infinite","domain":"td.com","score":47.6,"mentions":6,"recommendedBy":["bing_copilot","claude","deepseek","gemini","grok","openai"],"averagePositionByProvider":{"grok":2,"claude":7,"gemini":5,"openai":5,"deepseek":3,"bing_copilot":3}},{"rank":5,"brand":"Rogers Red World Elite Mastercard","domain":"rogers.com","score":40.4,"mentions":5,"recommendedBy":["bing_copilot","claude","deepseek","gemini","perplexity"],"averagePositionByProvider":{"claude":6,"gemini":2,"deepseek":6,"perplexity":5,"bing_copilot":1}},{"rank":6,"brand":"BMO","domain":"bmo.com","score":38.9,"mentions":5,"recommendedBy":["claude","deepseek","grok","openai","perplexity"],"averagePositionByProvider":{"grok":4,"claude":3,"openai":14,"deepseek":9,"perplexity":4}},{"rank":7,"brand":"CIBC","domain":"cibc.com","score":31.5,"mentions":4,"recommendedBy":["deepseek","grok","openai","perplexity"],"averagePositionByProvider":{"grok":3,"openai":13,"deepseek":5,"perplexity":6}},{"rank":8,"brand":"Canadian Tire","domain":"canadiantire.ca","score":23.4,"mentions":3,"recommendedBy":["deepseek","grok","openai"],"averagePositionByProvider":{"grok":10,"openai":11,"deepseek":10}},{"rank":9,"brand":"RBC","domain":"rbc.com","score":18.4,"mentions":2,"recommendedBy":["grok","perplexity"],"averagePositionByProvider":{"grok":1,"perplexity":7}},{"rank":10,"brand":"PC Financial World Elite Mastercard","domain":"pcfinancial.ca","score":16.7,"mentions":2,"recommendedBy":["grok","openai"],"averagePositionByProvider":{"grok":9,"openai":6}},{"rank":11,"brand":"MBNA Rewards World Elite Mastercard","domain":"mbna.ca","score":16.5,"mentions":2,"recommendedBy":["claude","grok"],"averagePositionByProvider":{"grok":8,"claude":8}},{"rank":12,"brand":"Neo Credit","domain":"neo.com","score":15.6,"mentions":2,"recommendedBy":["bing_copilot","grok"],"averagePositionByProvider":{"grok":27,"bing_copilot":6}}],"answers":[{"provider":"bing_copilot","run":1,"model":"bing_copilot","capturedAt":"2026-08-05T04:04:21.032Z","text":"Some of the top credit cards in Canada include the Rogers Red World Elite Mastercard for cash back, Scotiabank Gold American Express for travel and rewards points, TD Aeroplan Visa Infinite for frequent flyers, and Tangerine Money-Back or Simplii Financial Cash Back cards for no-fee options.\n\nTop Credit Cards by Category\n\n1. Cash Back\n\nRogers Red World Elite Mastercard: Earns 1.5% cash back on all purchases in Canada (2% for Rogers, Fido, or Shaw customers) and 3% on U.S. purchases. No annual fee, with travel perks like airport lounge access and travel insurance 1 .\nNeo Credit: No annual fee, up to 5% cash back at partner stores, easy-to-use app for tracking offers 1 .\nSimplii Financial Cash Back Visa: No annual fee, 4% back on dining, 1.5% on gas, groceries, and drugstores, and 0.5% on all other purchases 1 .\n\n2. Travel and Rewards Points\n\nScotiabank Gold American Express (Amex): 6 points per $1 on groceries, 5 points on dining and entertainment, 3 points on gas, transit, and streaming, and 1 point on other purchases. No foreign transaction fees and comprehensive insurance including emergency medical, trip cancellation, and travel accident. Annual fee $120; first year waived for some offers 2 .\nScotiabank Passport Visa Infinite: Great for frequent travelers; no foreign transaction fees, airport lounge access, and 2 points per $1 on groceries, dining, and entertainment 1 .\n\n3. Aeroplan / Travel Loyalty\n\nTD Aeroplan Visa Infinite: Ideal for Air Canada flyers. Earn 1.5 Aeroplan points per $1 on flights, groceries, gas, and EV charging, plus free checked bags, NEXUS fee rebates, and a comprehensive travel insurance package. Annual fee $139, first year waived 1 .\nAmerican Express Cobalt Card: Excellent for points accumulation on food, groceries, and dining (5 points/$1), with options to transfer points to Aeroplan 1:1 1 .\n\n4. No-Annual-Fee Options\n\nTangerine Money-Back Credit Card: Earn unlimited 2% cash back on two or three categories of your choice and 0.5% on everything else. No annual fee and good acceptance nationwide 2 .\nSimplii Financial Cash Back Visa: No-fee card suitable for newcomers or everyday use 1 .\n\n5. Special Categories\n\nScotia Momentum Visa Infinite +: Best for groceries and recurring bills (4% back), gas and transit (2% back), plus strong insurance coverage 2 .\nKOHO Credit Builder / Neo Money Prepaid: Ideal for building or rebuilding credit, with cash-back rewards and no minimum income requirement 2 .\n\nKey Considerations\n\nAnnual Fees: Premium cards like Scotiabank Gold Amex have $120–$150 fees, while many cash back or newcomer-focused cards have $0 annual fees.\nAcceptance: Mastercard and Visa are widely accepted, while Amex may have fewer locations in smaller shops.\nRewards Strategy: Consider whether you prefer cash back, travel points, or Aeroplan/loyalty points.\nSpending Patterns: Grocery-focused, gas-focused, or dining-focused cards can yield higher returns if your spending matches bonus categories.\n\nIn summary, the best card depends on your spending habits and travel goals, but top picks that Canadians widely use include Rogers Red World Elite Mastercard, Scotiabank Gold Amex, TD Aeroplan Visa Infinite, Tangerine Money-Back, and Simplii Cash Back Visa. These cover a range of rewards types, fees, and usability across Canada +2 .","extractedBrands":[{"name":"Rogers Red World Elite Mastercard","domain":"rogers.com","position":1},{"name":"Scotiabank Gold American Express","domain":"scotiabank.com","position":2},{"name":"TD Aeroplan Visa Infinite","domain":"td.com","position":3},{"name":"Tangerine Money-Back Credit Card","domain":"tangerine.ca","position":4},{"name":"Simplii Financial Cash Back Visa","domain":"simplii.com","position":5},{"name":"Neo Credit","domain":"neo.com","position":6},{"name":"Scotiabank Passport Visa Infinite","domain":"scotiabank.com","position":7},{"name":"American Express Cobalt Card","domain":"americanexpress.com","position":8},{"name":"Scotia Momentum Visa Infinite +","domain":"scotiabank.com","position":9},{"name":"KOHO Credit Builder","domain":"koho.ca","position":10},{"name":"Neo Money Prepaid","domain":"neo.com","position":11}]},{"provider":"claude","run":1,"model":"claude-sonnet-5","capturedAt":"2026-08-05T04:04:21.032Z","text":"Here's a breakdown of the top credit cards Canadians are actually using and recommending in 2026, organized by category:\n\n## 🏆 Best Overall: American Express Cobalt Card\nThe American Express Cobalt Card earns 5x points on dining and groceries, offers flexible point redemption toward travel or statement credits, and includes comprehensive travel insurance coverage. While the American Express Cobalt stands out as the top overall card for rewards and flexibility, other options excel depending on your spending habits, travel needs, and financial goals. It's especially great for individuals who live in the city, eat out often or order in.\n\n## ✈️ Best Travel Card: Scotiabank Gold American Express\nThe Scotiabank Gold American Express is considered the best travel credit card in Canada thanks to its impressive rewards program, comprehensive insurance package, and suite of travel perks, including no foreign transaction fees. It offers excellent rewards, earning up to 6 points on groceries and 5 points for every $1 spent on dining, food delivery, and entertainment—among the best reward rates for these categories. Currently, it offers up to $950 in welcome offers, first year rewards and savings value, and up to 50,000 bonus Scene+ points, with the offer ending November 1, 2026.\n\n## 💰 Best Cash Back: BMO CashBack World Elite & Scotia Momentum Visa Infinite\nTwo strong contenders lead the cash-back category:\n- For most Canadians, the BMO CashBack World Elite is considered the top cash back card.\n- The Scotia Momentum Visa Infinite Card earns 4% cash back on groceries and recurring bill payments, 2% on gas, EV charging, daily transit, rideshares and eligible food delivery, and 1% on everything else.\n\n## 🆓 Best No-Fee Options\n- The Tangerine Money-Back Card is widely considered the best no-fee option for Canadians.\n- The Rogers Red World Elite is the best pure flat-rate no-fee card in Canada — and for Rogers customers or anyone who regularly shops in U.S. dollars, it's genuinely exceptional. A key perk: if you're already paying a Rogers, Fido, or Shaw bill every month, this card is essentially free money (2% back on everything), and if you cross-border shop or travel to the U.S., the 3% USD rate is the best available anywhere with zero annual fee. Note: **annual spending caps are being introduced starting August 4, 2026**, so check updated terms if applying after that date.\n\n## 🥈 Other Popular Picks\n- Other top picks widely recommended include the Rogers Red World Elite Mastercard, Scotia Gold Amex, and TD Aeroplan Visa Infinite.\n- The MBNA Rewards World Elite Mastercard is also a popular choice for cash back.\n\n## Quick Recommendation Guide\n- **Groceries/dining spender?** → Amex Cobalt\n- **Frequent traveler?** → Scotiabank Gold Amex or TD Aeroplan Visa Infinite\n- **Want simple cash back, no fee?** → Tangerine Money-Back\n- **Rogers/Fido/Shaw customer?** → Rogers Red World Elite\n- **Want cash back with higher limits?** → BMO CashBack World Elite or Scotia Momentum Visa Infinite\n\n**Bottom line:** The best Canadian credit card for you really depends on how you spend — but if you want one card that most Canadians agree is the strongest all-around pick, the **Am","extractedBrands":[{"name":"American Express Cobalt Card","domain":"americanexpress.com","position":1},{"name":"Scotiabank Gold American Express","domain":"scotiabank.com","position":2},{"name":"BMO CashBack World Elite","domain":"bmo.com","position":3},{"name":"Scotia Momentum Visa Infinite","domain":"scotiabank.com","position":4},{"name":"Tangerine Money-Back Card","domain":"tangerine.ca","position":5},{"name":"Rogers Red World Elite","domain":"rogers.com","position":6},{"name":"TD Aeroplan Visa Infinite","domain":"td.com","position":7},{"name":"MBNA Rewards World Elite Mastercard","domain":"mbna.ca","position":8}]},{"provider":"deepseek","run":1,"model":"deepseek-v4-flash","capturedAt":"2026-08-05T04:04:21.032Z","text":"Here’s a practical rundown of the best credit cards in Canada right now, broken down by what people actually use them for. The “best” card depends on your spending habits, so I’ve grouped them by category.\n\n## 🏆 Best Overall: American Express Cobalt Card\n**Annual fee:** ~$12.99/month  \n**Why people love it:** It consistently ranks as one of the best everyday cards in Canada for earning rewards.  \n- 5× points on groceries and dining (including food delivery)  \n- 3× points on streaming subscriptions  \n- 2× points on gas and transit  \n- Points transfer to Aeroplan, Marriott, and other travel partners  \n- Best if you cook at home and eat out regularly\n\n**Downsides:** Not all places accept Amex, so you’ll likely want a Visa/Mastercard backup.\n\n---\n\n## 💵 Best No-Fee Cash Back: Tangerine Money-Back Credit Card\n**Annual fee:** $0  \n**Why people love it:** It’s simple, no-fee, and gives solid cash back for everyday Canadians.  \n- 2% cash back in up to 3 categories of your choice (grocery, gas, restaurant, etc.)  \n- 0.5% on everything else  \n- If you deposit the cash back into a Tangerine Savings Account, you get a bonus 0.5% per category (so 2.5%)  \n- No hidden fees, no income requirement\n\n**Downsides:** The base rate on “everything else” is low, so it’s best as a category-focused card.\n\n---\n\n## ✈️ Best for Travel & Aeroplan: TD Aeroplan Visa Infinite\n**Annual fee:** $139 (often first-year free with promos)  \n**Why people love it:** Air Canada is Canada’s main airline, and this card is the go-to for Aeroplan points.  \n- Earn Aeroplan points on everyday purchases  \n- Free first checked bag for you and up to 8 companions when flying Air Canada  \n- Priority check-in and boarding  \n- Earn tons of points on Air Canada purchases  \n- Insurance including trip cancellation and car rental coverage\n\n**Downsides:** Annual fee, high income requirement ($60K personal / $100K household).\n\n---\n\n## 🛒 Best for Groceries + Travel: Scotiabank Gold American Express\n**Annual fee:** $120 (often first year free)  \n**Why people love it:** Great hybrid of cash back and travel rewards.  \n- 6× points on groceries and gas  \n- 4× points on dining, entertainment, and transit  \n- 3× points on streaming services  \n- 1× point on everything else  \n- Points can be redeemed for travel (value increases), or for statement credits  \n- No foreign transaction fees (big perk)\n\n**Downsides:** Amex acceptance can be an issue in some smaller Canadian stores.\n\n---\n\n## 🏦 Best for Everyday Cash Back with an Annual Fee: CIBC Dividend Platinum / Visa Infinite\n**Annual fee:** $99–$120 (often first-year rebate)  \n**Why people love it:** It pays meaningful cash back on the things you buy repeatedly.  \n- 4% cash back on groceries and gas  \n- 2% cash back on dining, drugstore, and recurring bill payments  \n- 1% on everything else  \n- Great insurance package  \n- Good if you want simple cash back without having to track categories\n\n**Downsides:** Annual fee; need to ensure you earn back more than the fee.\n\n---\n\n## 📱 Best No-Fee for Rogers/Fido Customers: Rogers World Elite Mastercard\n**Annual fee:** $0  \n**Why people love it:** It’s famous among Rogers/Fido/Shaw customers because it earns high cash back on all purchases.  \n- 3% cash back on all purchases (1.5% base + 1.5% bonus) when you redeem against your Rogers, Fido, or Shaw bill  \n- 1.5% cash back on everything if you redeem for statement credit  \n- No annual fee  \n- No income requirement if you’re with Rogers? (Actually requires $80K personal / $150K household for World Elite, but there’s a non-World Elite version with lower limit)\n\n**Downsides:** To get the full 3%, you have to be a Rogers/Fido/Shaw customer and redeem against their bills.\n\n---\n\n## 🎓 Best for Students: BMO CashBack Student Mastercard\n**Annual fee:** $0  \n**Why people love it:** It’s the easiest student card to get approved for, and it earns cash back.  \n- 3% cash back on groceries (up to $500/month)  \n- 1% cash back on recurring bills  \n- 0.5% on everything else  \n- No income requirement  \n- Built to help build credit\n\n**Downsides:** Low rewards outside groceries; no premium perks.\n\n---\n\n## 🏔 Best for Air Miles / Everyday Banking: BMO CashBack Mastercard\n**Annual fee:** $0  \n**Why people love it:** If you already bank with BMO, it’s a solid no-fee cash back card.  \n- 3% cash back on groceries  \n- 1% cash back on recurring bills  \n- 0.5% elsewhere  \n- Straightforward and accepted everywhere Mastercard is accepted\n\n**Downsides:** Many people can get better rewards with no-fee cards from Tangerine or Rogers.\n\n---\n\n## 🥾 Best for Dollarama / No-Frills Shopping: Triangle (Canadian Tire) World Elite Mastercard\n**Annual fee:** $0  \n**Why people love it:** If you shop at Canadian Tire, Sport Chek, Mark’s, Party City, or use them for bills, this card is a winner.  \n- Earn Canadian Tire “Money” (cash back) on all purchases  \n- 3–4% back at Canadian Tire stores  \n- ","extractedBrands":[{"name":"American Express","domain":"americanexpress.com","position":1},{"name":"Tangerine","domain":"tangerine.ca","position":2},{"name":"TD","domain":"td.com","position":3},{"name":"Scotiabank","domain":"scotiabank.com","position":4},{"name":"CIBC","domain":"cibc.com","position":5},{"name":"Rogers","domain":"rogers.com","position":6},{"name":"Fido","domain":"fido.ca","position":7},{"name":"Shaw","domain":"shaw.ca","position":8},{"name":"BMO","domain":"bmo.com","position":9},{"name":"Canadian Tire","domain":"canadiantire.ca","position":10}]},{"provider":"gemini","run":1,"model":"gemini-3.5-flash","capturedAt":"2026-08-05T04:04:21.032Z","text":"Navigating the credit card landscape in Canada can be a bit of a puzzle. Our rewards generally trail what is available south of the border, and we have a unique \"acceptance\" problem—popular budget grocery stores like No Frills and Superstore (Loblaw-owned), as well as Costco, **do not accept American Express**. \n\nBecause of this, most credit card enthusiasts in Canada do not rely on just one card. Instead, they use a **\"multi-card stack\"** to maximize their rewards. \n\nThe top credit cards Canadians actually use and recommend are categorized below by what they do best, followed by the ultimate \"meta-stack\" strategy.\n\n---\n\n### 1. The Undisputed King of Points & Travel: **American Express Cobalt® Credit Card**\nIf you eat out, order delivery, or buy groceries at Amex-accepting stores (like Sobeys, Metro, FreshCo, or Safeway), this is widely considered the absolute best credit card in Canada. \n* **The Rewards:** **5x points** on eats and drinks (dining, groceries, food delivery), 3x on streaming, 2x on travel and transit, and 1x on everything else.\n* **The Secret Sauce:** It earns Amex Membership Rewards (MR) points. These can be transferred **1:1 to Air Canada Aeroplan** or British Airways Avios. Getting 5x points essentially means you are earning 5 Aeroplan points per dollar spent on food, which is an unmatched rate in Canada.\n* **Annual Fee:** $12.99/month (approx. $156/year).\n\n### 2. The Best No-Fee Cashback Card: **Rogers Red World Elite® Mastercard®**\nIf you have even one utility or telecom service with Rogers, Fido, or Shaw, this card is a must-have. It is arguably the most popular Mastercard in the country for everyday spending.\n* **The Rewards:** A flat **2% cashback** on all purchases (if you have an active Rogers/Fido/Shaw service; otherwise 1.5%). \n* **The \"Rogers Hack\":** If you redeem your earned cashback directly toward your Rogers, Fido, or Shaw bill, you get a 1.5x redemption bonus. This boosts your effective cashback rate to a massive **3% on everything you buy**.\n* **Bonus:** It offers 3% cashback on USD purchases to offset the standard 2.5% foreign transaction fee, netting you a 0.5% profit when shopping in the US.\n* **Annual Fee:** $0 (Requires a personal income of $80,000 or household income of $150,000, though the basic *Rogers Red Mastercard* offers a similar 1.5% base / 2.25% boosted rate with no income requirements).\n\n### 3. The Best FinTech / Simple Flat-Rate Card: **Wealthsimple Visa Infinite® / Visa Infinite +**\nWealthsimple has grown into a major alternative to the Big Five banks, and their premium Visa credit cards are incredibly popular among those who want simple, high-yield cashback without rotating categories.\n* **The Rewards:** Flat **2% cashback** on all purchases, which can be automatically deposited into your cash or investment accounts to earn interest.\n* **The Perks:** **No foreign transaction (FX) fees** (saving you 2.5% on US and international purchases) and premium Visa Infinite travel insurance.\n* **Annual Fee:** $120–$240/year, but **fully waived** if you hold $4,000+ in Wealthsimple assets (for the basic card) or if you direct deposit $4,000/month / hold $100,000+ in assets (for the 2% Visa Infinite + card).\n\n### 4. The Best No-FX Fee & Travel Perks Card: **Scotiabank® Passport® Visa Infinite® Card**\nMost Canadian credit cards charge a sneaky 2.5% fee on non-Canadian dollar transactions. If you travel to the US or buy online from international retailers, this card will save you a fortune.\n* **The Rewards:** Earns Scene+ points (which can be instantly redeemed 1:1 for any travel booking or groceries at Sobeys/Safeway).\n* **The Perks:** **0% foreign transaction fees** and **6 free airport lounge passes** per year via Companion (DragonPass). \n* **Annual Fee:** $150 (often waived for the first year, or waived permanently if you hold a Scotiabank Ultimate Package chequing account).\n\n### 5. The Best Airline Card: **TD® Aeroplan® Visa Infinite® Card**\nFor Canadians who exclusively fly Air Canada, this is the premier choice. \n* **The Rewards:** 1.5 Aeroplan points per dollar on gas, groceries, and Air Canada purchases. \n* **The Perks:** **Free first checked bag** for you and up to 8 companions on the same Air Canada booking (which easily saves a family of four $280+ on a single round-trip flight).\n* **Annual Fee:** $139 (usually waived in the first year with a strong welcome bonus, or permanently waived if you keep a $5,000 minimum balance in a TD All-Inclusive Banking Plan).\n\n### 6. The Best No-Fee Custom Cashback Card: **Tangerine Money-Back Credit Card**\nIf you do not want to pay annual fees and want to fill the gaps in your spending, Tangerine (owned by Scotiabank) offers a highly customizable solution.\n* **The Rewards:** **2% cashback** in up to three categories of your choice (e.g., Groceries, Gas, Restaurants, Entertainment, Drugstore, Recurring Bills) and 0.5% on everything else. You can change these categories as your spending habits change.\n* **Annual Fee:** $0.\n\n---\n\n### How to Build the Ultimate Canadian Credit Card Stack\n\nIf you want to optimize every dollar you spend in Canada, here is how you should organize your wallet:\n\n1. **The Daily Driver (Food, Dining, Coffee, and Sobeys Groceries):** Use the **Amex Cobalt** to rack up 5x points.\n2. **The Mastercard Backup (Costco, No Frills, Superstore):** Use the **Rogers Red World Elite Mastercard** (for up to 3% back if you are a Rogers customer) or the **Wealthsimple Visa Infinite** (for 2% back).\n3. **The Travel Companion (US Trips and Lounges):** Use the **Scotiabank Passport Visa Infinite** or **Wealthsimple Visa Infinite** to avoid the 2.5% foreign transaction fees and get airport lounge access.","extractedBrands":[{"name":"American Express Cobalt","domain":"americanexpress.com","position":1},{"name":"Rogers Red World Elite Mastercard","domain":"rogers.com","position":2},{"name":"Wealthsimple Visa Infinite","domain":"wealthsimple.com","position":3},{"name":"Scotiabank Passport Visa Infinite","domain":"scotiabank.com","position":4},{"name":"TD Aeroplan Visa Infinite","domain":"td.com","position":5},{"name":"Tangerine Money-Back Credit Card","domain":"tangerine.ca","position":6}]},{"provider":"google_aio","run":1,"model":"google_aio","capturedAt":"2026-08-05T04:04:21.032Z","text":"","extractedBrands":[]},{"provider":"grok","run":1,"model":"grok-4.5","capturedAt":"2026-08-05T04:04:21.032Z","text":"**The “best” credit card in Canada depends on your spending habits (e.g., groceries, gas, dining, travel), whether you pay your balance in full each month, willingness to pay an annual fee, credit score/income, and preferred rewards (cash back vs. points/miles).** There is no universal winner, but popular choices among Canadians and strong expert picks emphasize everyday value, flexibility, and rewards tied to common spending.[[1]](https://www.newswire.ca/news-releases/2-000-canadians-reveal-most-popular-credit-cards-money-ca-survey-822435673.html)\n\nMajor issuers include the Big Five banks (RBC leads market share around 20%, followed by TD, CIBC, BMO, and Scotiabank; they hold ~71% collectively), plus American Express, Tangerine (Scotiabank-owned), MBNA, PC Financial, Canadian Tire Bank, and others. Visa is the dominant network.[[2]](https://wowa.ca/infographics-finance-realestate-canada/major-lenders-credit-card-market-share-inside-canada-q2-2025-vs-q2-2024)\n\n### Cards People Actually Use (Most Popular)\nA 2025 Money.ca survey of 2,000 Canadians highlighted that many favour store-branded/no-frills rewards cards for groceries and retail over pure travel or high-fee options. Top mentions included:[[1]](https://www.newswire.ca/news-releases/2-000-canadians-reveal-most-popular-credit-cards-money-ca-survey-822435673.html)\n\n- **PC® Mastercard** (PC Financial / Loblaw): Frequently tops popularity lists. No annual fee. Earns PC Optimum points (strong at Loblaws banners/Superstore, Shoppers Drug Mart/Pharmaprix, Esso/Mobil gas). Roughly 1%+ equivalent back overall, higher at key stores (e.g., ~2.5% at Shoppers). Benefits like free grocery delivery/pickup options in some tiers and easy redemptions for groceries/statement credits. Ideal if you shop at these chains a lot. Higher tiers (e.g., World or Insiders World Elite) boost earn rates and add perks/insurance for a fee or income requirements.[[3]](https://www.pcfinancial.ca/en/credit-cards/pc-mastercard/)\n\n- **Canadian Tire Triangle® Mastercard**: Another top popular no-fee option. Earns Canadian Tire Money (strong at Canadian Tire, Sport Chek, Mark’s, Atmosphere, Gas+ / Petro-Canada). Good for retail/gas shoppers; easy redemptions in-store. World Elite version earns faster with no fee.[[4]](https://www.ctfs.com/content/ctfs3/en/credit-cards.html)\n\nOther commonly held cards include bank cash-back options (e.g., BMO CashBack, TD Cash Back Visa), RBC Avion for travel points, and BMO AIR MILES. Store cards appeal because rewards feel tangible for everyday spending.[[1]](https://www.newswire.ca/news-releases/2-000-canadians-reveal-most-popular-credit-cards-money-ca-survey-822435673.html)\n\n### Top Expert Recommendations (Best Overall / High Value)\nThese frequently rank highly on sites like NerdWallet, Rates.ca, Ratehub, and others for value, flexibility, and earning power (as of 2025–2026 data; offers change):\n\n- **Tangerine Money-Back Credit Card** — Often called the best overall/simple card for most people. No annual fee. Earn 2% cash back on up to 2–3 customizable categories (choose from groceries, gas, restaurants, drugstores, recurring bills, home improvement, etc.; change periodically) + 0.5% on everything else. Unlimited in categories. Cash back paid monthly (statement credit or Tangerine savings). Low income requirement (~$12k). Basic insurance. Great set-it-and-forget-it everyday card; unlock third category by depositing rewards to a Tangerine account. Welcome offers like bonus 10% (capped) common.[[5]](https://www.nerdwallet.com/ca/p/best/credit-cards/best-credit-cards-in-canada)\n\n- **American Express Cobalt® Card** — Frequently tops rewards/earning lists (best overall rewards or points driver on several sites). Monthly fee (~$15.99 / ~$192 annually). High earn rates: up to 5x Membership Rewards points on restaurants/food delivery, strong rates on groceries, streaming, transit/gas, etc. Flexible points (transfer to Aeroplan, Marriott, or redeem for travel/statement credits/merchandise). Solid insurance/travel perks for the tier. Excellent for dining/grocery-heavy spenders who value points flexibility and travel. Acceptance slightly narrower than Visa/MC (though improving); many pair it with a Visa/MC. Welcome bonuses (e.g., points for monthly spend) add value.[[6]](https://rates.ca/credit-cards)\n\n- **Scotiabank® Gold American Express® Card** — Strong contender for travel/no foreign transaction fees (often praised or top-ranked). ~$120 annual fee (sometimes waived with eligible Scotia account). Earns Scene+ points at elevated rates (e.g., high on groceries at certain partners, dining, etc.). No FX fees, good insurance, and Scene+ flexibility (movies, dining, travel, merchandise). Popular for value and perks.[[7]](https://www.forbes.com/advisor/ca/credit-cards/scotiabank-gold-american-express-review/)\n\n- **RBC Avion® Visa Infinite** — Popular travel card and frequently noted as a consumer favourite in Avion program. Annual fee (~$120). Flexible Avion points redeemable for flights (strong value), hotels, merchandise, or even RBC products. Good travel insurance and welcome bonuses. Strong if you bank with RBC or value flexible travel rewards.[[6]](https://rates.ca/credit-cards)\n\n**Other strong cash-back options**:\n- CIBC Dividend® Visa Infinite: High rates on groceries/gas (e.g., 4%), dining/bills, solid base rate; often top cash-back pick. Fee applies.[[8]](https://www.ratehub.ca/blog/best-cash-back-credit-cards-in-canada/)\n- BMO CashBack® World Elite Mastercard or Amex SimplyCash Preferred: Competitive flat or category cash back (SimplyCash Preferred often ~2%+ overall).[[9]](https://www.nerdwallet.com/ca/p/best/credit-cards/best-cash-back-credit-cards)\n- Scotia Momentum Visa Infinite: Strong category cash back (e.g., groceries, recurring bills).\n\n**No-fee / accessible alternatives**: MBNA Rewards Platinum Plus (points on everyday categories), Simplii or other bank no-fee cash back, Neo cards (partner cash back), or basic bank Visas/Mastercards. For travel without fees, look at no-FX options or entry-level Scene+/Aeroplan cards.[[10]](https://www.ratehub.ca/blog/best-no-fee-credit-cards-in-canada/)\n\n**Premium/travel heavy-hitters** (higher fees/income reqs): TD Aeroplan Visa Infinite, Amex Platinum or Aeroplan Reserve, Scotiabank Passport Visa Infinite+, BMO eclipse or VIPorter for specific programs.\n\n### Quick Advice for Choosing and Using\n- **Pay in full monthly** — Interest rates are high (~20–23%); rewards are wiped out (or worse) if you carry a balance. For balances/debt, prioritize low-interest or 0% balance transfer cards (e.g., MBNA True Line).\n- **Match to spending** — Groceries/gas/retail → PC, Triangle, Tangerine, CIBC Dividend, or Cobalt. Dining/travel → Cobalt, Scotia Gold Amex, Avion/Aeroplan. Flat/simple → Tangerine or SimplyCash-style.\n- **Fees vs. value** — No-fee cards win if spend is modest or you won’t max categories/perks. Fee cards can net positive with bonuses + high earn if you spend enough.\n- **Other factors** — Credit score (good-excellent for premium), income minimums (often $12k–$60k+ personal/household), foreign transaction fees (2.5% common; avoid for travel), insurance (travel medical, purchase protection, etc.), and acceptance (Amex slightly less universal).\n- **Maximize** — Use category bonuses, welcome offers (spend requirements apply), and pair cards (e.g., Cobalt + no-FX Visa/MC). Check current promotions as they change frequently. Redeem strategically (points often worth more for travel).\n- **Shop around** — Compare on Ratehub, NerdWallet.ca, Rates.ca, or issuer sites. Consider your primary bank for relationship perks/waivers. Newcomers/students/bad credit have dedicated options (secured cards, student versions).\n\nOffers, rates, and rankings evolve—verify details, terms, and eligibility directly with issuers (and read the fine print on bonuses/insurance). If you share more about your monthly spend categories, travel habits, credit situation, or goals (cash vs. points), I can refine recommendations further. Always borrow responsibly.","extractedBrands":[{"name":"RBC","domain":"rbc.com","position":1},{"name":"TD","domain":"td.com","position":2},{"name":"CIBC","domain":"cibc.com","position":3},{"name":"BMO","domain":"bmo.com","position":4},{"name":"Scotiabank","domain":"scotiabank.com","position":5},{"name":"American Express","domain":"americanexpress.com","position":6},{"name":"Tangerine","domain":"tangerine.ca","position":7},{"name":"MBNA","domain":"mbna.ca","position":8},{"name":"PC Financial","domain":"pcfinancial.ca","position":9},{"name":"Canadian Tire Bank","domain":"canadiantire.ca","position":10},{"name":"Visa","domain":"visa.com","position":11},{"name":"PC Mastercard","domain":"pcfinancial.ca","position":12},{"name":"Canadian Tire Triangle Mastercard","domain":"ctfs.com","position":13},{"name":"BMO CashBack","domain":"bmo.com","position":14},{"name":"TD Cash Back Visa","domain":"td.com","position":15},{"name":"RBC Avion","domain":"rbc.com","position":16},{"name":"BMO AIR MILES","domain":"bmo.com","position":17},{"name":"Tangerine Money-Back Credit Card","domain":"tangerine.ca","position":18},{"name":"American Express Cobalt Card","domain":"americanexpress.com","position":19},{"name":"Scotiabank Gold American Express Card","domain":"scotiabank.com","position":20},{"name":"RBC Avion Visa Infinite","domain":"rbc.com","position":21},{"name":"CIBC Dividend Visa Infinite","domain":"cibc.com","position":22},{"name":"BMO CashBack World Elite Mastercard","domain":"bmo.com","position":23},{"name":"Amex SimplyCash Preferred","domain":"americanexpress.com","position":24},{"name":"Scotia Momentum Visa Infinite","domain":"scotiabank.com","position":25},{"name":"MBNA Rewards Platinum Plus","domain":"mbna.ca","position":26},{"name":"Neo","domain":"neo.com","position":27},{"name":"TD Aeroplan Visa Infinite","domain":"td.com","position":28},{"name":"Amex Platinum","domain":"americanexpress.com","position":29},{"name":"Aeroplan Reserve","domain":"aircanada.com","position":30},{"name":"Scotiabank Passport Visa Infinite+","domain":"scotiabank.com","position":31},{"name":"BMO eclipse","domain":"bmo.com","position":32},{"name":"VIPorter","domain":"viporter.com","position":33},{"name":"NerdWallet","domain":"nerdwallet.com","position":34},{"name":"Rates.ca","domain":"rates.ca","position":35},{"name":"Ratehub","domain":"ratehub.ca","position":36},{"name":"Wowa","domain":"wowa.ca","position":37},{"name":"Forbes","domain":"forbes.com","position":38}]},{"provider":"openai","run":1,"model":"gpt-5.5-2026-04-23","capturedAt":"2026-08-05T04:04:21.032Z","text":"Assuming you’re **in Canada**, the “best” credit card is usually a **combo**, not one card. Canadians use credit cards heavily: the Bank of Canada’s 2024 methods-of-payment survey found about **88% of Canadians owned a credit card**, and credit cards were the largest payment method by both transaction volume and value at point of sale. ([bankofcanada.ca](https://www.bankofcanada.ca/wp-content/uploads/2025/08/sdp2025-12.pdf))\n\n## My short recommendation\n\nIf you want a practical Canadian setup:\n\n1. **Best everyday rewards if you’re OK with Amex:** **American Express Cobalt**\n2. **Best no-fee Mastercard for most people:** **Rogers Red World Elite Mastercard** if you use Rogers/Fido/Shaw; otherwise **Tangerine Money-Back World Mastercard**\n3. **Best travel / no-FX Visa:** **Scotiabank Passport Visa Infinite+**\n4. **Best Air Canada card:** **TD Aeroplan Visa Infinite**\n5. **Best store cards people actually use:** **PC Financial World Elite Mastercard**, **Triangle World Elite Mastercard**, **CIBC Costco Mastercard**\n6. **Best simple flat-rate premium card if you qualify:** **Wealthsimple Visa Infinite**\n\nVisa and Mastercard are the most practical networks in Canada; Amex can be excellent for rewards, but you should carry a Visa or Mastercard backup. Nilson Report’s 2025 Canada card-network summary says Canadian-issued Visa, Interac, Mastercard and Amex cards generated **18.72 billion purchase transactions** in 2025, with Visa edging ahead of Interac by transaction share. ([nilsonreport.com](https://nilsonreport.com/articles/canada-card-issuers-and-networks-2025/))\n\n---\n\n## Top cards Canadians actually use\n\n| Best for | Card | Why it’s good |\n|---|---|---|\n| **Best overall rewards / food / groceries** | **American Express Cobalt** | Huge earn rate on eats and groceries: Amex says Cobalt earns **5 Membership Rewards points per $1** at eligible restaurants, grocery stores, and food/grocery delivery in Canada, up to a combined annual cap. It was also named the top annual-fee card in J.D. Power’s 2025 Canada Credit Card Satisfaction Study, according to Amex’s release. ([americanexpress.com](https://www.americanexpress.com/ca/en/benefits/cobalt-card/)) |\n| **Best no-fee card if you use Rogers/Fido/Shaw** | **Rogers Red World Elite Mastercard** | Very strong “real-life” cash back for Rogers ecosystem users: Rogers Bank advertises **no annual fee** and **3% cash-back value exclusively with Rogers**, plus 5 Roam Like Home days with an eligible Rogers mobile plan. ([rogersbank.com](https://www.rogersbank.com/en/rogers_red_worldelite_mastercard_details/)) |\n| **Best no-fee flexible cash back** | **Tangerine Money-Back World Mastercard / Money-Back Credit Card** | Simple and widely used: **$0 annual fee**, **2% cash back in up to 3 categories**, and 0.5% on everything else. Categories include groceries, restaurants, gas, recurring bills, transit/parking, drug stores and more. ([tangerine.ca](https://www.tangerine.ca/en/personal/spend/credit-cards)) |\n| **Best travel Visa / no foreign transaction fee** | **Scotiabank Passport Visa Infinite+** | One of Canada’s most practical travel cards: Scotiabank says it has **no foreign transaction fees** and gives the primary cardholder **6 complimentary airport lounge visits per year** through Visa Airport Companion / DragonPass. ([scotiabank.com](https://www.scotiabank.com/content/dam/scotiabank/canada/common/documents/pdf/credit_card/Scotiabank_Passport_Infinite_plus_Visa-EN-Ekit.pdf?utm_source=openai)) |\n| **Best grocery + dining Amex alternative** | **Scotiabank Gold American Express** | Strong Scene+ earner, especially if you shop at Sobeys/Safeway/FreshCo/Foodland-type stores. Scotia advertises **6 Scene+ points per $1** at several Empire grocery banners and says the card avoids the typical **2.5% foreign transaction fee** on foreign-currency purchases. ([scotiabank.com](https://www.scotiabank.com/ca/en/personal/credit-cards/rewards.html?utm_source=openai)) |\n| **Best Air Canada / Aeroplan card** | **TD Aeroplan Visa Infinite** | Good if you fly Air Canada. TD/Air Canada advertise a **free first checked bag** for the primary cardholder, additional cardholders and up to 8 companions on the same reservation when travel originates on an Air Canada flight. ([td.com](https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-infinite-card?var2=pid~68750&utm_source=openai)) |\n| **Best flat-rate premium cashback** | **Wealthsimple Visa Infinite** | Good if you qualify and like Wealthsimple. Wealthsimple says Visa Infinite / Visa Infinite Privilege cardholders get **unlimited 2% cash back** on eligible purchases. ([help.wealthsimple.com](https://help.wealthsimple.com/hc/en-ca/articles/37750003281563-Earn-cash-back-with-your-credit-card?utm_source=openai)) |\n| **Best big-bank travel card** | **RBC Avion Visa Infinite** | A mainstream, widely recognized travel card. RBC calls it its **most popular Avion travel credit card**, with redemptions for flights, hotels, car rentals and more. ([rbcroyalbank.com](https://www.rbcroyalbank.com/credit-cards/avion.html?msockid=1d78fb82ebf367c93dbded36eac366c8&utm_source=openai)) |\n| **Best Loblaw / Shoppers / No Frills ecosystem card** | **PC Financial World Elite Mastercard** | No annual fee and useful if you live in the PC Optimum ecosystem. PC Financial advertises **4.5% back in points at Shoppers Drug Mart** and **3% back in points at participating grocery stores** for the World Elite version. ([pcfinancial.ca](https://www.pcfinancial.ca/en/credit-cards/?utm_source=openai)) |\n| **Best Canadian Tire / Sport Chek / roadside-assistance card** | **Triangle World Elite Mastercard** | Surprisingly useful no-fee card: Canadian Tire says Triangle World Elite has **no annual fee**, earns **4% back in Canadian Tire Money** at Canadian Tire-family stores, and includes a Roadside Assistance Gold Plan. ([triangle.canadiantire.ca](https://triangle.canadiantire.ca/en/credit-cards/triangle-world-elite-mastercard.html?adlocation=ST_LearnMore_TriangleWorldEliteMastercard_CreditCards_en&utm_source=openai)) |\n| **Best Costco-specific card** | **CIBC Costco Mastercard** | Useful if you already shop at Costco. Costco advertises up to **3% cash back**, including 3% at Costco gas stations in Canada and 2% on other gas/EV charging up to the stated cap. ([costco.ca](https://www.costco.ca/f/-/CIBC-Costco-Mastercard?correlationId=46962b7a-0e2e-4f1d-9b19-748e3da10467-0&utm_source=openai)) |\n\n---\n\n## Best card “brands” in Canada\n\n**Most practical networks:**\n- **Visa** — best acceptance, especially for travel and everyday use.\n- **Mastercard** — also excellent acceptance; especially useful for Costco Canada shoppers and many no-fee cards.\n- **American Express** — often best rewards, but not accepted everywhere, so carry a backup.\n\n**Most common issuers/products Canadians actually use:**\n- **RBC Avion**, **TD Aeroplan**, **CIBC Aventura / Costco / Dividend**, **Scotiabank Scene+**, **BMO CashBack / eclipse**\n- **American Express Cobalt / SimplyCash / Platinum**\n- **Tangerine**, **Rogers Bank**, **PC Financial**, **Canadian Tire Triangle**\n- **Wealthsimple Visa** for people already in the Wealthsimple ecosystem\n\n---\n\n## What I’d personally pick by lifestyle\n\n- **Average person who wants no annual fee:** Tangerine Money-Back + Rogers Red Mastercard/World Elite if you have Rogers/Fido/Shaw.\n- **Food/grocery-heavy spender:** Amex Cobalt + a no-fee Mastercard backup.\n- **Frequent traveller:** Scotiabank Passport Visa Infinite+.\n- **Air Canada flyer:** TD Aeroplan Visa Infinite.\n- **Loblaw/Shoppers/No Frills household:** PC Financial World Elite Mastercard.\n- **Canadian Tire/Sport Chek/Mark’s shopper or wants free roadside assistance:** Triangle World Elite Mastercard.\n- **Wants one simple premium card:** Wealthsimple Visa Infinite, if eligible and the fee/waiver works for you.\n\nOne final rule: if you carry a balance, rewards cards are usually the wrong priority—look at a **low-interest card** first. Rewards only “win” if you pay the statement balance in full every month.","extractedBrands":[{"name":"American Express Cobalt","domain":"americanexpress.com","position":1},{"name":"Rogers Red World Elite Mastercard","domain":"rogersbank.com","position":2},{"name":"Tangerine Money-Back World Mastercard","domain":"tangerine.ca","position":3},{"name":"Scotiabank Passport Visa Infinite+","domain":"scotiabank.com","position":4},{"name":"TD Aeroplan Visa Infinite","domain":"td.com","position":5},{"name":"PC Financial World Elite Mastercard","domain":"pcfinancial.ca","position":6},{"name":"Triangle World Elite Mastercard","domain":"triangle.canadiantire.ca","position":7},{"name":"CIBC Costco Mastercard","domain":"costco.ca","position":8},{"name":"Wealthsimple Visa Infinite","domain":"help.wealthsimple.com","position":9},{"name":"RBC Avion Visa Infinite","domain":"rbcroyalbank.com","position":10},{"name":"Canadian Tire Triangle","domain":"canadiantire.ca","position":11},{"name":"Scotiabank Gold American Express","domain":"scotiabank.com","position":12},{"name":"CIBC Aventura","domain":"cibc.com","position":13},{"name":"BMO CashBack","domain":"bmo.com","position":14}]},{"provider":"perplexity","run":1,"model":"sonar","capturedAt":"2026-08-05T04:04:21.032Z","text":"If you want the **best credit cards in Canada that people actually use**, the strongest all-around picks are usually the **American Express Cobalt**, **Scotiabank Gold American Express**, **Tangerine Money-Back**, **BMO CashBack World Elite Mastercard**, and **Rogers Red World Elite Mastercard**.[3][14][17]\n\nHere’s a practical shortlist by use case:\n\n| Best for | Card | Why it stands out |\n|---|---|---|\n| **Best overall rewards** | **American Express Cobalt** | Earns **5x points on food and drinks**, **3x on streaming**, **2x on transit and travel**, and **1x elsewhere**; multiple Canadian finance sites rank it the top overall card.[3][14][16] |\n| **Best travel card** | **Scotiabank Gold American Express** | Strong travel rewards, **no foreign transaction fees**, and travel insurance; often ranked the top travel card in Canada.[4][14][17] |\n| **Best no-fee card** | **Tangerine Money-Back Credit Card** | A popular no-annual-fee option with **2% cash back in 2 chosen categories** and **0.5% everywhere else**.[1][3][6] |\n| **Best cash-back premium** | **BMO CashBack World Elite Mastercard** | Known for high bonus-category cash back, including **up to 5%** in selected categories.[3][6] |\n| **Best flat cash back** | **Rogers Red World Elite Mastercard** | Simple, widely recommended for cash back, with **1.5% on all Canadian purchases** and **2% for Rogers/Fido/Shaw customers**.[17] |\n| **Best for groceries and gas** | **CIBC Dividend Visa Infinite** | Frequently recommended for everyday spending in those categories.[14] |\n\nIf you want the shortest “what should I get?” answer:\n\n- **Most people:** **American Express Cobalt**.[3][14][16]\n- **Travel-heavy Canadians:** **Scotiabank Gold American Express**.[14][17]\n- **No annual fee:** **Tangerine Money-Back** or **RBC Cash Back Mastercard**.[1][6][14]\n- **Simple cash back:** **Rogers Red World Elite Mastercard**.[17]\n- **Best premium cash back:** **BMO CashBack World Elite Mastercard**.[3][6]\n\nA few important Canada-specific notes:\n\n- The **American Express Cobalt** is the most consistently top-ranked card across major Canadian review sites, but acceptance is not as universal as Visa or Mastercard, so it works best if you can use Amex where you shop.[3][14][16]\n- If you want maximum everyday value with one card, the Cobalt is the most common “best overall” pick.[3][14][16]\n- If you prefer a card that is easier to use everywhere, a **Mastercard** like the Rogers Red World Elite or Tangerine can be more practical.[6][17]\n\nIf you want, I can also narrow this down to the **best card for your spending pattern** — for example **groceries, travel, gas, no annual fee, or bad credit**.","extractedBrands":[{"name":"American Express Cobalt","domain":"americanexpress.com","position":1},{"name":"Scotiabank Gold American Express","domain":"scotiabank.com","position":2},{"name":"Tangerine Money-Back","domain":"tangerine.ca","position":3},{"name":"BMO CashBack World Elite Mastercard","domain":"bmo.com","position":4},{"name":"Rogers Red World Elite Mastercard","domain":"rogers.com","position":5},{"name":"CIBC Dividend Visa Infinite","domain":"cibc.com","position":6},{"name":"RBC Cash Back Mastercard","domain":"rbc.com","position":7}]}]}