{"source":"CiteHawk AI Index","record":"credit cards — 2026-11","url":"https://www.citehawk.com/leaderboards/editions/2026-11/credit-cards/ca","immutable":true,"snapshotId":"a09c7472-12af-4ea9-80e0-6f4334c7b862","capturedAt":"2026-11-03T04:44:40.782+00:00","contentHash":"cf1e0cfe35fc7ca8bd25c880b9e5ec063a7eb3a081578e4899e9bcce648a16b8","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":"c45953a641fc763b2597a6a3f8837471f65b7550827fe50008bb0e5221fca519","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, carrying a fifth regionScope element only on the entries that have one, notInCategory and categoryAllow are arrays of [categorySlug, domains] tuples sorted by slug, and every domain/scope list is itself sorted, carrying a trailing notInCategoryByRegion element, an array of [categorySlug, region, domains] triples sorted by slug then region, only when at least one region-scoped deny entry exists, and after it a trailing notInCategoryByName element, an array of [categorySlug, regionScope, names] triples sorted by slug then scope (regionScope \"*\" for every board region, names as published), only when at least one name-scoped deny entry exists","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","google_ai_mode"],"models":{"grok":"grok-4.3","claude":"claude-sonnet-5-5","gemini":"gemini-3.6-flash","openai":"gpt-6-sol","deepseek":"deepseek-flash","google_aio":"google_aio","perplexity":"sonar","bing_copilot":"bing_copilot","google_ai_mode":"google_ai_mode"},"runsPerProvider":1,"totalCalls":18,"ranking":[{"rank":1,"brand":"American Express Cobalt","domain":"americanexpress.com","entityId":"3c3a9f61-0727-4c8b-89ef-76ba6fd63608","score":52.8,"mentions":8,"recommendedBy":["openai","claude","gemini","perplexity","deepseek","grok","google_aio","google_ai_mode"],"averagePositionByProvider":{"grok":9,"claude":1,"gemini":1,"openai":1,"deepseek":1,"google_aio":1,"perplexity":1,"google_ai_mode":1}},{"rank":2,"brand":"Scotiabank Gold American Express","domain":"scotiabank.com","entityId":"91f19a40-2717-4e81-a9e5-7b3f88f69137","score":52.2,"mentions":9,"recommendedBy":["openai","claude","gemini","perplexity","deepseek","grok","bing_copilot","google_aio","google_ai_mode"],"averagePositionByProvider":{"grok":11,"claude":2,"gemini":2,"openai":3,"deepseek":2,"google_aio":2,"perplexity":2,"bing_copilot":1,"google_ai_mode":2}},{"rank":3,"brand":"TD","domain":"td.com","entityId":"92c75e59-2ee2-466c-b2fd-20351abbc62e","score":48.4,"mentions":8,"recommendedBy":["openai","gemini","deepseek","google_ai_mode","claude","perplexity","bing_copilot","google_aio"],"averagePositionByProvider":{"claude":8,"gemini":3,"openai":6,"deepseek":3,"google_aio":3,"perplexity":6,"bing_copilot":6,"google_ai_mode":3}},{"rank":4,"brand":"Tangerine","domain":"tangerine.ca","entityId":"7e343dd9-4cfd-4487-a575-b84d076393ea","score":47.7,"mentions":8,"recommendedBy":["openai","gemini","deepseek","bing_copilot","google_ai_mode","claude","perplexity","grok"],"averagePositionByProvider":{"grok":12,"claude":5,"gemini":6,"openai":4,"deepseek":10,"perplexity":4,"bing_copilot":4,"google_ai_mode":4}},{"rank":5,"brand":"CIBC","domain":"cibc.com","entityId":"62c143ee-7388-44ab-aac4-2956b2203de7","score":38.8,"mentions":6,"recommendedBy":["openai","claude","gemini","deepseek","google_ai_mode","google_aio"],"averagePositionByProvider":{"claude":15,"gemini":4,"openai":7,"deepseek":4,"google_aio":4,"google_ai_mode":4}},{"rank":6,"brand":"MBNA Rewards World Elite Mastercard","domain":"mbna.ca","entityId":"b1a5ca6b-cea2-4551-bf62-f976a1ba0f98","score":32.2,"mentions":5,"recommendedBy":["deepseek","google_ai_mode","claude","bing_copilot","google_aio"],"averagePositionByProvider":{"claude":17,"deepseek":12,"google_aio":5,"bing_copilot":3,"google_ai_mode":4}},{"rank":7,"brand":"Rogers Red World Elite Mastercard","domain":"rogersbank.com","entityId":"2d0e5614-8e42-4275-9330-a89e895260df","score":27.6,"mentions":4,"recommendedBy":["openai","claude","perplexity","bing_copilot"],"averagePositionByProvider":{"claude":3,"openai":2,"perplexity":5,"bing_copilot":8}},{"rank":8,"brand":"Simplii Financial Cash Back Visa","domain":"simplii.com","entityId":"466d45dc-5356-4532-81a8-2024feae6871","score":26.3,"mentions":4,"recommendedBy":["google_ai_mode","deepseek","claude","bing_copilot"],"averagePositionByProvider":{"claude":4,"deepseek":11,"bing_copilot":11,"google_ai_mode":4}},{"rank":9,"brand":"Canadian Tire Triangle Mastercard","domain":"canadiantire.ca","entityId":"f431958c-65bb-4aac-95f9-a4dd5982aca4","score":20.6,"mentions":3,"recommendedBy":["deepseek","grok","google_aio"],"averagePositionByProvider":{"grok":2,"deepseek":9,"google_aio":8}},{"rank":10,"brand":"RBC Avion Visa Infinite","domain":"rbc.com","entityId":"8708c942-051e-47a8-92cf-0c3523ae6acd","score":20.5,"mentions":3,"recommendedBy":["claude","deepseek","grok"],"averagePositionByProvider":{"grok":5,"claude":10,"deepseek":5}},{"rank":11,"brand":"Rogers","domain":"rogers.com","entityId":"2d0e5614-8e42-4275-9330-a89e895260df","score":20.3,"mentions":3,"recommendedBy":["gemini","deepseek","grok"],"averagePositionByProvider":{"grok":10,"gemini":5,"deepseek":7}},{"rank":12,"brand":"PC Insiders World Elite Mastercard","domain":null,"entityId":"1b6914e0-cd17-4e63-8ab8-db5bbdf0646c","score":20,"mentions":3,"recommendedBy":["claude","perplexity","bing_copilot"],"averagePositionByProvider":{"claude":12,"perplexity":7,"bing_copilot":7}},{"rank":13,"brand":"Scotia Momentum Visa Infinite+","domain":null,"entityId":"91f19a40-2717-4e81-a9e5-7b3f88f69137","score":18.2,"mentions":2,"recommendedBy":["perplexity","bing_copilot"],"averagePositionByProvider":{"perplexity":3,"bing_copilot":2}},{"rank":14,"brand":"BMO","domain":"bmo.com","entityId":"7fe61ad0-1f1b-4f56-82f1-4d9d2676eea9","score":14.2,"mentions":2,"recommendedBy":["deepseek","perplexity"],"averagePositionByProvider":{"deepseek":6,"perplexity":9}},{"rank":15,"brand":"PC Financial","domain":"pcfinancial.ca","entityId":"c1b1ea83-d988-4a32-ac35-61ebdbc2c2ad","score":14.2,"mentions":2,"recommendedBy":["gemini","deepseek"],"averagePositionByProvider":{"gemini":7,"deepseek":8}},{"rank":16,"brand":"National Bank","domain":null,"entityId":"36c456c9-efb0-45b1-9091-6596b1a23737","score":13.3,"mentions":2,"recommendedBy":["deepseek","claude"],"averagePositionByProvider":{"claude":14,"deepseek":13}}],"answers":[{"provider":"bing_copilot","run":1,"model":"bing_copilot","capturedAt":"2026-11-03T04:44:40.788Z","text":"The Scotiabank Gold American Express, Scotia Momentum Visa Infinite+, MBNA Rewards World Elite Mastercard, and Tangerine Money-Back Mastercard consistently rank among Canada’s most-used and top-rated credit cards for rewards, travel, and cash back.\n\nI’m not a financial advisor—confirm details with a trusted source before applying.\n\n🇨🇦 The Most Popular & Top-Rated Cards\n\nAcross Forbes Advisor Canada, MoneySense, and Savvy New Canadians, several cards repeatedly appear at the top of rankings:\n\nScotiabank Gold American Express — Rated the #1 overall card in Canada by multiple sources.\nScotia Momentum Visa Infinite+ — A leading grocery and everyday spending card.\nMBNA Rewards World Elite Mastercard — High rewards flexibility and strong ratings.\nTangerine Money-Back Mastercard / World Mastercard — Best no-fee option with customizable categories.\nNeo World Elite / Neo Mastercard — Popular among younger Canadians for high partner cash back.\nTD Aeroplan Visa Infinite / Platinum — Top choice for Aeroplan and Air Canada travellers.\nPC Insiders World Elite Mastercard — Widely used for grocery and retail rewards at Loblaws/Shoppers.\n\n📊 Comparison Table: Best Cards by Category\n\nCategory | Top Card | Why It’s Popular | Source\nOverall Best | Scotiabank Gold American Express | Up to 6 pts/$1, no FX fees, 12 insurance types | Forbes, Savvy 2\nCash Back | Rogers Red World Elite Mastercard | 1.5% on all purchases, 3% on USD, no fee | MoneySense 1\nTravel | Scotiabank Gold American Express | No FX fees, strong insurance, flexible Scene+ | MoneySense, Forbes 2\nAeroplan | TD Aeroplan Visa Infinite | Free checked bags, strong Air Canada perks | MoneySense 1\nGrocery | Scotia Momentum Visa Infinite+ | 4% groceries, 10% intro cash back | MoneySense 1\nNo Annual Fee | Tangerine World Mastercard | 2–3% cash back categories, insurance included | Savvy 1\nPrepaid | Neo Money / KOHO | High cash back, no credit check | Savvy 1\n3 Sources3\n\n🏆 Cards Canadians Actually Use\n\nBased on repeated mentions across sources and broad acceptance:\n\nScotiabank Gold Amex — Extremely popular for everyday rewards and travel perks.\nTangerine Money-Back Mastercard — A go-to no-fee card for many Canadians.\nPC Insiders World Elite Mastercard — Used heavily by shoppers at Loblaws, No Frills, and Shoppers Drug Mart.\nTD Aeroplan Visa Infinite — Common among Air Canada flyers and Aeroplan collectors.\nNeo Mastercard — Rapidly growing user base due to high partner cash back.\n\n🧭 How to Choose Among Them\n\nYour best card depends on your spending habits:\n\nGroceries & dining: Scotiabank Gold Amex or Scotia Momentum Visa Infinite+\nTravel: Scotiabank Gold Amex or TD Aeroplan Visa Infinite\nCash back simplicity: Rogers Red World Elite or Tangerine Money-Back\nNo-fee flexibility: Tangerine World Mastercard\nRetail loyalty: PC Insiders World Elite\nNewcomers or credit building: Simplii Financial Visa or KOHO Credit Builder\n\n✅ Follow-up question\n\nWhich reward type matters most to you—cash back, travel, or points? I can narrow the list to the best 2–3 cards for your exact spending pattern.","extractedBrands":[{"name":"Scotiabank Gold American Express","domain":null,"position":1},{"name":"Scotia Momentum Visa Infinite+","domain":null,"position":2},{"name":"MBNA Rewards World Elite Mastercard","domain":null,"position":3},{"name":"Tangerine Money-Back Mastercard","domain":null,"position":4},{"name":"Neo World Elite Mastercard","domain":null,"position":5},{"name":"TD Aeroplan Visa Infinite","domain":null,"position":6},{"name":"PC Insiders World Elite Mastercard","domain":null,"position":7},{"name":"Rogers Red World Elite Mastercard","domain":null,"position":8},{"name":"Neo Money","domain":null,"position":9},{"name":"KOHO","domain":null,"position":10},{"name":"Simplii Financial Visa","domain":null,"position":11}]},{"provider":"claude","run":1,"model":"claude-sonnet-5-5","capturedAt":"2026-11-03T04:44:40.788Z","text":"No single card is best for everyone. Canadian review sites (Ratehub, MoneySense, Forbes Advisor, Frugal Flyer) keep recommending the same handful of cards, grouped here by what they're good at.\n\n## Best all-around rewards\n- **American Express Cobalt:** Ratehub picks it as the best credit card in Canada. It earns 5 Membership Rewards points per $1 on eligible groceries, restaurants and food delivery in Canada. Points can go to travel, statement credits, or airline and hotel programs. Ratehub lists the fee at about $192 a year.\n- **Scotiabank Gold American Express:** Forbes Advisor ranks it as the best rewards card. It's a good fit if you collect Scene+ points, since it earns 6 Scene+ points per dollar at participating grocers.\n\n## Best cash back\n- **Rogers Red World Elite Mastercard:** MoneySense calls it the best cash back card, with 1.5% on all purchases and no bonus categories to track.\n- **Simplii Financial Cash Back Visa:** Ratehub's pick for best no-fee cash back card.\n- **Tangerine Money-Back:** It's on Forbes' top-10 list and has no annual fee.\n- **Wealthsimple Visa Infinite+:** It earns 2% on eligible purchases without category juggling and has no Wealthsimple FX fee. The annual fee is $240, but it's waived if you're eligible.\n\n## Best for travel\n- **Scotiabank Passport Visa Infinite:** Frugal Flyer named it Best Overall Travel Credit Card for 2026. It stands out for airport lounge access and zero foreign transaction fees.\n- **TD Aeroplan Visa Infinite:** MoneySense's Aeroplan pick. It helps you reach Aeroplan Elite status faster and gives free checked bags on Air Canada flights.\n- **Amex Aeroplan Reserve:** Frugal Flyer's pick for best Aeroplan card.\n- **RBC Avion Visa Infinite:** Frugal Flyer's pick for best flexible-points travel card.\n- **American Express Platinum:** The premium option. It offers unlimited lounge access for you and a guest, hotel status upgrades, and dining and travel credits. The fee is high, about $799.\n\n## Best store and grocery cards\n- **PC Insiders World Elite Mastercard:** It earns 3% to 4.5% back in PC points at Shoppers and Loblaws banner stores on select purchases. The fee is $120, waived in the first year.\n- **Scotia Momentum Visa Infinite+:** It pays 4% on groceries and recurring payments.\n\n## Best for insurance, newcomers, and building credit\n- **National Bank World Elite Mastercard:** MoneySense picks it for travel insurance, with a package covering almost a dozen types of coverage.\n- **CIBC Aventura Gold Visa:** A good first step into travel rewards for many newcomers.\n- **Secured Neo Mastercard:** It offers guaranteed approval and reports to Equifax and TransUnion.\n- **MBNA True Line Mastercard:** A low-interest option at 12.99%. It suits you","extractedBrands":[{"name":"American Express Cobalt","domain":"americanexpress.com","position":1},{"name":"Scotiabank Gold American Express","domain":"scotiabank.com","position":2},{"name":"Rogers Red World Elite Mastercard","domain":null,"position":3},{"name":"Simplii Financial Cash Back Visa","domain":null,"position":4},{"name":"Tangerine Money-Back","domain":null,"position":5},{"name":"Wealthsimple Visa Infinite+","domain":"wealthsimple.com","position":6},{"name":"Scotiabank Passport Visa Infinite","domain":"scotiabank.com","position":7},{"name":"TD Aeroplan Visa Infinite","domain":null,"position":8},{"name":"Amex Aeroplan Reserve","domain":"americanexpress.com","position":9},{"name":"RBC Avion Visa Infinite","domain":"rbc.com","position":10},{"name":"American Express Platinum","domain":"americanexpress.com","position":11},{"name":"PC Insiders World Elite Mastercard","domain":null,"position":12},{"name":"Scotia Momentum Visa Infinite+","domain":"scotiabank.com","position":13},{"name":"National Bank World Elite Mastercard","domain":null,"position":14},{"name":"CIBC Aventura Gold Visa","domain":"cibc.com","position":15},{"name":"Secured Neo Mastercard","domain":null,"position":16},{"name":"MBNA True Line Mastercard","domain":null,"position":17}]},{"provider":"deepseek","run":1,"model":"deepseek-flash","capturedAt":"2026-11-03T04:44:40.788Z","text":"In Canada, “best” depends heavily on where you spend and whether you’ll use the rewards. The cards you’ll actually see in people’s wallets are mostly from Amex, TD, CIBC, RBC, Scotiabank, BMO, Rogers, PC Financial, Canadian Tire, Tangerine and Simplii.\n\n### Practical shortlist by type\n\n| Card | Annual fee | Best for | Why people use it |\n|---|---:|---|---|\n| **American Express Cobalt** | ~$15.99/mo | Groceries, restaurants, food delivery | 5x Membership Rewards on eligible eats/drinks/grocery in Canada; flexible points. Amex acceptance is decent but not universal—keep a Visa/Mastercard backup. |\n| **Scotiabank Gold American Express** | ~$120 | Dining, groceries, entertainment | Strong Scene+ earning, no foreign transaction fee, good travel/entertainment rewards. Also Amex acceptance caveat. |\n| **TD Aeroplan Visa Infinite** | ~$139 | Air Canada loyalists | Aeroplan points, Air Canada benefits like free checked bag, good grocery/gas/transit earning. Popular with frequent Air Canada flyers. |\n| **CIBC Aeroplan Visa Infinite** | ~$139 | Air Canada loyalists | Very similar to TD’s Aeroplan card; pick whichever has the better current welcome offer/offer for you. |\n| **RBC Avion Visa Infinite** | ~$120 | Flexible travel rewards | RBC Avion points, Visa acceptance, airline transfer partners. Good “one travel card” option. |\n| **BMO Eclipse Visa Infinite** | ~$120 | Everyday points | Strong grocery/dining/transit/gas earning; BMO Rewards can be flexible. |\n| **Rogers World Elite Mastercard** | $0 | No-fee cash back | 3% on eligible Rogers/Fido/Shaw purchases and 2% on other eligible purchases if you qualify; great no-fee everyday card. Usually needs ~$80k personal/$150k household income. |\n| **Tangerine Money-Back Credit Card** | $0 | Customizable no-fee cash back | 2% cash back in 2–3 chosen categories; simple and popular. |\n| **Simplii Cash Back Visa** | $0 | Restaurants/coffee | 4% on restaurants, bars and coffee; 1.5% on gas/grocery/drugstore; no fee. |\n| **PC Financial World Elite Mastercard** | $0 | Loblaws/Shoppers/PC Optimum | Strong PC Optimum earning at PC grocery stores and Shoppers; no fee if you qualify. |\n| **Canadian Tire Triangle World Elite Mastercard** | $0 | Canadian Tire/Sport Chek/Mark’s | Good CT Money earning, roadside assistance, no fee. Popular with Canadian Tire shoppers. |\n| **CIBC Costco Mastercard** | $0 | Costco shoppers | 3% restaurants, 2% gas, 1% Costco; requires Costco membership. |\n| **MBNA Rewards World Elite Mastercard** | ~$120 | Groceries/dining/utilities | Strong 5x-style earning in select categories; good if you want a Mastercard rewards card. |\n| **National Bank World Elite Mastercard** | ~$150 | Quebec/grocery/dining | Very strong rewards for grocery/dining/gas; especially popular in Quebec. |\n\n### My practical recommendation for most Canadians\n- **If you want one strong rewards card and spend a lot on food/grocery:** **Amex Cobalt**, plus a no-fee Visa/Mastercard backup like **Tangerine**, **Simplii** or **Rogers World Elite**.\n- **If you fly Air Canada:** **TD Aeroplan Visa Infinite** or **CIBC Aeroplan Visa Infinite**.\n- **If you want no annual fee cash back:** **Rogers World Elite** if you qualify; otherwise **Tangerine Money-Back** or **Simplii Cash Back Visa**.\n- **If you shop Costco:** **CIBC Costco Mastercard**.\n- **If you shop Loblaws/Shoppers:** **PC Financial World Elite**.\n- **If you shop Canadian Tire/Sport Chek/Mark’s:** **Triangle World Elite Mastercard**.\n\nKey caveat: credit-card welcome bonuses and fees change often, so check the current offer before applying. And rewards cards only make sense if you pay the balance in full—Canadian rewards cards usually carry 20%+ interest, which wipes out any points value.","extractedBrands":[{"name":"American Express","domain":"americanexpress.com","position":1},{"name":"Scotiabank","domain":"scotiabank.com","position":2},{"name":"TD","domain":"td.com","position":3},{"name":"CIBC","domain":"cibc.com","position":4},{"name":"RBC","domain":"rbc.com","position":5},{"name":"BMO","domain":"bmo.com","position":6},{"name":"Rogers","domain":"rogers.com","position":7},{"name":"PC Financial","domain":null,"position":8},{"name":"Canadian Tire","domain":"canadiantire.ca","position":9},{"name":"Tangerine","domain":null,"position":10},{"name":"Simplii","domain":null,"position":11},{"name":"MBNA","domain":null,"position":12},{"name":"National Bank","domain":null,"position":13}]},{"provider":"gemini","run":1,"model":"gemini-3.6-flash","capturedAt":"2026-11-03T04:44:40.788Z","text":"Here are the top credit cards in Canada that personal finance experts and everyday Canadians actually use and recommend. \n\nBecause no single card does everything well—and because American Express isn't accepted everywhere (e.g., Loblaws/No Frills)—most Canadians build a **two-card setup**: one primary card for points/cash back and a secondary Visa or Mastercard as a backup.\n\n---\n\n### 1. The Best Overall Credit Card in Canada\n#### **American Express Cobalt® Card**\n* **Best For:** Maximum rewards on dining, food delivery, and groceries.\n* **Annual Fee:** ~$155.88 ($12.99/month).\n* **Earn Rate:** \n  * **5x points** on eligible dining, food delivery, and groceries (up to $2,500 spend/month).\n  * **3x points** on eligible streaming subscriptions.\n  * **2x points** on travel and gas.\n  * **1x points** on everything else.\n* **Why people love it:** Amex Membership Rewards (MR) points earned on the Cobalt card can be transferred **1:1 to Air Canada Aeroplan** or **British Airways Avios**, making this the single fastest way to earn flight rewards in Canada. You can also redeem points for statement credits at 1 cent per point (turning 5x into 5% cash back on food).\n\n---\n\n### 2. The Best No-Foreign-Transaction-Fee Travel Card\n#### **Scotiabank Passport® Visa Infinite+**\n* **Best For:** Frequent travelers and international shoppers.\n* **Annual Fee:** $150 (often waived if you hold a Scotiabank Ultimate Package chequing account).\n* **Earn Rate:** Earns Scene+ points (3x at Scene+ grocery stores like Sobeys/Safeway/FreshCo, 2x on dining, entertainment, and transit).\n* **Why people love it:** Most Canadian cards charge a **2.5% foreign conversion fee** on foreign purchases. This card charges **0% FX fees**, saving you money when traveling or ordering online in foreign currency. It also includes **6 free airport lounge passes** per year and top-tier travel insurance coverage.\n\n---\n\n### 3. The Best Air Canada / Aeroplan Card\n#### **TD Aeroplan® Visa Infinite**\n* **Best For:** Frequent Air Canada flyers.\n* **Annual Fee:** $139 (often waived in year one or via TD's All-Inclusive Banking Plan).\n* **Earn Rate:** 1.5x Aeroplan points on gas, groceries, and Air Canada purchases; 1x on everything else.\n* **Why people love it:** It directly earns Aeroplan points and gives you **first checked bag free** for you and up to 8 companions on the same Air Canada reservation. You also get a NEXUS application fee rebate and strong travel medical/interruption insurance. \n* *(Alternative: CIBC Aeroplan Visa Infinite offers essentially the same perks).*\n\n---\n\n### 4. The Best Premium Cash Back Card\n#### **Scotia Momentum® Visa Infinite**\n* **Best For:** High cash-back returns on household bills and groceries without dealing with points systems.\n* **Annual Fee:** $120.\n* **Earn Rate:** \n  * **4% cash back** on groceries and recurring bill payments (subscriptions, utilities, insurance).\n  * **2% cash back** on gas and daily transit.\n  * **1% cash back** on everything else.\n* **Why people love it:** If you spend heavily on monthly bill payments and groceries, the 4% cash back easily covers the annual fee. \n* *(Alternative: **CIBC Dividend® Visa Infinite** is also popular, offering 4% back on gas and groceries).*\n\n---\n\n### 5. The Best No-Annual-Fee Cards\nIf you don't want to pay an annual fee, these three options are the most popular in Canada:\n\n1. **Rogers Mastercard®**\n   * **Best For:** Rogers, Fido, or Shaw customers.\n   * **Perks:** Earns **2% cash back on everything** if you have an active eligible service with Rogers/Fido/Shaw. If you redeem your cash back toward your Rogers bill or phone purchase, you get a 1.5x bonus—making your effective earn rate **3% cash back on all spending**. Plus, 0% FX fees on US dollar purchases.\n2. **Tangerine® Money-Back Credit Card**\n   * **Best For:** Customizing your cash back.\n   * **Perks:** Earn **2% cash back** on up to 3 categories of your choice (e.g., Groceries, Restaurants, Gas, Recurring Bills, Furniture) and 0.5% on everything else. Cash back is paid out monthly straight into your account.\n3. **PC Financial® World Elite Mastercard**\n   * **Best For:** Shopping at Loblaws banner stores (Real Canadian Superstore, No Frills, Shoppers Drug Mart).\n   * **Perks:** Earns high PC Optimum points at Shoppers (45 pts/$1) and Loblaws stores (30 pts/$1) that can be redeemed directly for free groceries.\n\n---\n\n### Recommended Setup Strategies\n\n* **The Ultimate Points Duo:** **Amex Cobalt** (for 5x on food/dining) + **Scotiabank Passport Visa Infinite** (for places that don't take Amex, travel perks, and no FX fees).\n* **The Cash-Back Duo:** **Scotia Momentum Visa Infinite** (4% groceries/bills) + **Rogers Mastercard** or **Tangerine Mastercard** (for everything else).","extractedBrands":[{"name":"American Express","domain":"americanexpress.com","position":1},{"name":"Scotiabank","domain":"scotiabank.com","position":2},{"name":"TD","domain":"td.com","position":3},{"name":"CIBC","domain":"cibc.com","position":4},{"name":"Rogers","domain":"rogers.com","position":5},{"name":"Tangerine","domain":"tangerine.ca","position":6},{"name":"PC Financial","domain":"pcfinancial.ca","position":7}]},{"provider":"google_ai_mode","run":1,"model":"google_ai_mode","capturedAt":"2026-11-03T04:44:40.788Z","text":"When looking at what Canadians actually use and love, the credit card market is dominated by a few standout products depending on whether you want flexible rewards, heavy-hitting travel perks, or simple cash back with no annual fee.\n\nHere are the top-rated and most popular credit cards in Canada categorized by how they fit your spending style:\n\n1. Best Overall Rewards & Groceries\n\nAmerican Express Cobalt® Card Annual Fee: $192 ($16/month) Why people use it: Widely considered the best overall rewards card in Canada. It earns an incredible 5 points per dollar on eats and drinks (including groceries, restaurants, and food delivery), 3 points on streaming, 2 points on travel/transit, and 1 point elsewhere. Amex Membership Rewards points can be transferred 1:1 to Aeroplan or Marriott Bonvoy, or used as a statement credit against any travel purchase.\n\n2. Best Travel & No Foreign Transaction Fees\n\nScotiabank Gold American Express® Card Annual Fee: $120 Why people use it: Excellent for travel rewards and food, earning 5 Scene+ points per dollar on groceries, dining, and entertainment. Crucially, it waives the 2.5% foreign transaction fee on international purchases, making it a favorite for travelers and online shoppers buying in foreign currencies. It also boasts comprehensive top-tier travel insurance.\n\n3. Best Aeroplan & Airline Card\n\nTD® Aeroplan® Visa Infinite Card* Annual Fee: $139 (often rebated for the first year) Why people use it: The go-to card for frequent Air Canada flyers. It earns Aeroplan points on everyday purchases, offers a first checked bag free on Air Canada flights, and includes strong travel insurance and Nexus/TSA PreCheck rebate perks.\n\n4. Best Cash Back & Low Interest Options\n\nNo-Fee Cash Back: Options like the Simplii Financial™ Cash Back Visa Card* ($0 fee) offer strong restaurant and dining returns, while the Tangerine Money-Back Credit Card lets users customize their 2% cash back categories. Everyday Cash Back (With Fee): The CIBC Dividend® Visa Infinite Card* delivers high returns on household essentials like groceries, gas, and recurring bills. Low Interest / Balance Transfer: The MBNA True Line® Mastercard® features a $0 annual fee and a permanently low ongoing interest rate around 12.99%, ideal for paying down existing debt.\n\nTip: Check your credit score and income requirements before applying, as premium cards usually require an individual income of $60,000+ and good credit.","extractedBrands":[{"name":"American Express","domain":"americanexpress.com","position":1},{"name":"Scotiabank","domain":"scotiabank.com","position":2},{"name":"TD","domain":"td.com","position":3},{"name":"Aeroplan","domain":null,"position":3},{"name":"Simplii Financial","domain":"simplii.com","position":4},{"name":"Tangerine","domain":"tangerine.ca","position":4},{"name":"CIBC","domain":"cibc.com","position":4},{"name":"MBNA","domain":"mbna.ca","position":4}]},{"provider":"google_aio","run":1,"model":"google_aio","capturedAt":"2026-11-03T04:44:40.788Z","text":"The top credit cards in Canada fall into distinct categories depending on whether you want flexible travel points, high everyday cash back, or zero annual fees.\n\nTop Travel & Rewards Cards\n\nAmerican Express Cobalt Card Annual Fee: ~$155.88 ($12.99/month) Rewards: 5x points on eats and drinks (groceries, restaurants, food delivery), 3x on streaming services, 2x on travel and transit, 1x on everything else. Why people use it: Widely considered the best overall points card in Canada because Amex Membership Rewards can be transferred 1:1 to Aeroplan, Marriott Bonvoy, or used for statement credits. Scotiabank Gold American Express Annual Fee: $120 Rewards: 6x Scene+ points on select grocery stores, 5x on dining and entertainment, 3x on gas, daily transit, and streaming. Why people use it: Great for people who prefer Scene+ points (which can be applied to travel, movies, or groceries) and have no foreign transaction fees. TD Aeroplan Visa Infinite / CIBC Aeroplan Visa Infinite Annual Fee: $139 Rewards: 1.5x points on gas, grocery, and Air Canada purchases, plus free first checked bags and priority airport perks. Why people use it: The go-to cards for frequent Air Canada flyers.\n\nTop Cash Back Cards\n\nMBNA Rewards World Elite Mastercard Annual Fee: $120 Rewards: Effective ~5.5% cash back/value on groceries, restaurants, recurring payments, and digital subscriptions (up to yearly caps). Why people use it: Offers one of the highest flat-tier return rates on everyday categories for a Mastercard (which is accepted where Amex is not). Scotiabank Momentum Visa Infinite Annual Fee: $120 Rewards: 4% cash back on grocery and recurring bills, 2% on gas and daily transit. Why people use it: A reliable, straightforward cash-back workhorse with strong mobile device and travel insurance. American Express SimplyCash Preferred Annual Fee: ~$119.88 ($9.99/month) Rewards: 4% cash back on gas and groceries, 2% cash back on all other purchases. Why people use it: Simple automated statement credits with a high baseline 2% return on miscellaneous spending.\n\nTop No-Annual-Fee Cards\n\nCanadian Tire Mastercard Annual Fee: $0 Rewards: 4% in Canadian Tire money at partner stores (SportChek, Mark's, etc.), 5 cents/L on gas at Canadian Tire gas bars, 1.5% at most grocery stores. Why people use it: An accessible entry card that uniquely lets you pay utility bills through their bill-pay service to earn rewards. American Express Green Card Annual Fee: $0 Rewards: 1 point per $1 spent on all purchases with no income requirement. Why people use it: A great starting point into Amex points without committing to an annual fee.\n\nTo help you pick the right one, let me know:Are you looking for cash back or travel points ?\nWhat are your top monthly spending categories (e.g., groceries, dining, gas)?","extractedBrands":[{"name":"American Express Cobalt Card","domain":null,"position":1},{"name":"Scotiabank Gold American Express","domain":null,"position":2},{"name":"TD Aeroplan Visa Infinite","domain":null,"position":3},{"name":"CIBC Aeroplan Visa Infinite","domain":null,"position":4},{"name":"MBNA Rewards World Elite Mastercard","domain":null,"position":5},{"name":"Scotiabank Momentum Visa Infinite","domain":null,"position":6},{"name":"American Express SimplyCash Preferred","domain":null,"position":7},{"name":"Canadian Tire Mastercard","domain":null,"position":8},{"name":"American Express Green Card","domain":null,"position":9}]},{"provider":"grok","run":1,"model":"grok-4.3","capturedAt":"2026-11-03T04:44:40.788Z","text":"**The \"best\" credit cards in Canada depend on your spending habits (e.g., groceries, travel, dining), whether you want no annual fees or premium perks, your income level (many premium cards require $60,000+ personal or higher household income), and card acceptance (Amex is widely accepted but not universal).**[[1]](https://creditcardgenius.ca/best-credit-cards/overall)[[2]](https://www.nerdwallet.com/ca/p/best/credit-cards/best-credit-cards-in-canada)\n\nExpert sites like creditcardGenius, Frugal Flyer, NerdWallet Canada, MoneySense, and Centsable frequently rank cards based on rewards rates, welcome bonuses, insurance, and value after fees. What Canadians *actually use* often differs—surveys show strong preference for simple, store-linked cards with everyday rewards over high-fee travel cards.[[3]](https://www.newswire.ca/news-releases/2-000-canadians-reveal-most-popular-credit-cards-money-ca-survey-822435673.html)[[4]](https://www.crowdfundinsider.com/2025/03/237655-2-most-popular-canadian-credit-cards-4-of-top-10-non-bank-branded-money-ca/)\n\n### Most Popular Cards Canadians Actually Carry\nA 2024–2025 survey of 2,000 Canadians highlighted these as top-used (many are store-branded for groceries/retail):[[3]](https://www.newswire.ca/news-releases/2-000-canadians-reveal-most-popular-credit-cards-money-ca-survey-822435673.html)\n- **PC Mastercard** (President’s Choice) — Tops the list; strong grocery rewards via PC Optimum points.\n- **Canadian Tire Triangle Mastercard** — Very popular for retail/hardware/gas rewards.\n- Others in the top 10: Walmart Rewards Mastercard, Amazon.ca Rewards Mastercard, plus bank options like RBC Avion Visa Infinite, BMO AIR MILES Mastercard, BMO CashBack cards, and TD Cash Back Visa.\n\nBig Five banks (especially RBC, TD, CIBC, BMO, Scotiabank) dominate overall balances and issuance, but non-bank/store cards punch above their weight in daily use.[[5]](https://wowa.ca/infographics-finance-realestate-canada/major-lenders-credit-card-market-share-inside-canada-q2-2025-vs-q2-2024)\n\n### Top Expert-Recommended Cards (November 2026)\nThese frequently rank highest across review sites for rewards value, flexibility, and features. Always check current offers, eligibility, and terms on issuer sites, as bonuses and rates change.\n\n- **American Express Cobalt Card** — Often ranked #1 overall and best rewards card for years. Earns 5x Membership Rewards points on eats/drinks (groceries, restaurants, delivery—capped), 3x streaming, 2x gas/transit/rideshare, 1x elsewhere. Flexible points (transfer to airlines/hotels or redeem for travel/statement credits). Annual fee ~$192 (or monthly option). Excellent for food spenders; strong insurance and perks.[[1]](https://creditcardgenius.ca/best-credit-cards/overall)[[6]](https://frugalflyer.ca/blog/best-credit-cards-canada/)[[7]](https://creditcardgenius.ca/best-credit-cards/rewards)\n\n- **Rogers World Elite Mastercard (or Rogers Red)** — Best no-fee pick for many. Flat 1.5% cash back on everything (higher for Rogers/Fido/Shaw customers); 3% on USD purchases. $0 annual fee, solid for simplicity and cross-border spending. Income requirement applies (World Elite).[[8]](https://centsable.ca/compare/best-cash-back-credit-cards-canada/)[[9]](https://www.moneysense.ca/spend/credit-cards/best-credit-cards-in-canada/)\n\n- **Scotia Momentum Visa Infinite** — Strong cash-back option. Up to 4% on groceries/transit/recurring, 2% on gas/subscriptions, 1% elsewhere (with caps). $120 fee (often waived first year + welcome bonus). Good for high grocery spenders.[[8]](https://centsable.ca/compare/best-cash-back-credit-cards-canada/)\n\n- **Tangerine Money-Back Credit Card** — Top no-fee everyday card. Choose 2–3 categories for 2% cash back (e.g., groceries, gas, dining); 0.5% elsewhere. Simple, widely recommended for most people.[[2]](https://www.nerdwallet.com/ca/p/best/credit-cards/best-credit-cards-in-canada)\n\n- **Scotiabank Gold American Express** — Excellent for Scene+ points (groceries, dining, entertainment), no foreign transaction fees, solid travel insurance, and perks. Often praised for travel/rewards balance.[[9]](https://www.moneysense.ca/spend/credit-cards/best-credit-cards-in-canada/)\n\nOther strong contenders:\n- **RBC Avion Visa Infinite / Privilege** — Good travel points and insurance; popular bank option.[[1]](https://creditcardgenius.ca/best-credit-cards/overall)\n- **BMO, TD, or CIBC premium Visas/Mastercards** (e.g., BMO Eclipse, TD Aeroplan, CIBC Aventura/Dividend) — For specific airline/hotel loyalty or cash back.\n- Store cards like **PC Optimum** or **Canadian Tire Triangle** — If you shop there regularly for targeted rewards.\n\n### Quick Tips for Choosing\n- **No/low fee everyday use** — Start with Rogers, Tangerine, or Simplii.\n- **Maximize groceries/dining** — Amex Cobalt or Scotia Momentum/Gold Amex.\n- **Travel** — Look at no-FX-fee cards like Scotia Passport or premium options with insurance/lounge access.\n- **Welcome bonuses** — Many offer $100–$300+ in value or tens of thousands of points—time applications around current promos.\n- Market data shows ~89% of Canadian adults have at least one card, with average cardholders holding ~2.7.[[10]](https://www.clearlypayments.com/blog/canadian-credit-card-statistics-2025-usage-spending-debt-payment-trends/)\n\nCompare your monthly spending against rates/caps on sites like Ratehub, NerdWallet, or issuer tools. Check your credit score, as approval depends on it. Offers and terms (including fees and insurance) can change, so verify directly with the issuer. If you share more about your spending (e.g., monthly groceries, travel frequency), I can refine suggestions!","extractedBrands":[{"name":"PC Mastercard","domain":null,"position":1},{"name":"Canadian Tire Triangle Mastercard","domain":null,"position":2},{"name":"Walmart Rewards Mastercard","domain":null,"position":3},{"name":"Amazon.ca Rewards Mastercard","domain":null,"position":4},{"name":"RBC Avion Visa Infinite","domain":"rbc.com","position":5},{"name":"BMO AIR MILES Mastercard","domain":"bmo.com","position":6},{"name":"BMO CashBack","domain":"bmo.com","position":7},{"name":"TD Cash Back Visa","domain":"td.com","position":8},{"name":"American Express Cobalt Card","domain":"americanexpress.com","position":9},{"name":"Rogers World Elite Mastercard","domain":"rogers.com","position":10},{"name":"Scotia Momentum Visa Infinite","domain":"scotiabank.com","position":11},{"name":"Tangerine Money-Back Credit Card","domain":null,"position":12},{"name":"Scotiabank Gold American Express","domain":"scotiabank.com","position":13},{"name":"RBC Avion Visa Infinite / Privilege","domain":"rbc.com","position":14},{"name":"BMO","domain":"bmo.com","position":15},{"name":"TD","domain":"td.com","position":16},{"name":"CIBC","domain":"cibc.com","position":17},{"name":"PC Optimum","domain":null,"position":18},{"name":"Canadian Tire Triangle","domain":null,"position":19}]},{"provider":"openai","run":1,"model":"gpt-6-sol","capturedAt":"2026-11-03T04:44:40.788Z","text":"If you’re in Canada, I’d shortlist **specific cards, not just banks**. These are mainstream products worth comparing; the best one depends on where you spend and whether you pay your balance in full.\n\n| Best for | Card | Why it makes the shortlist |\n|---|---|---|\n| **Groceries and restaurants** | **American Express Cobalt** | Earns 5 Membership Rewards points per $1 on eligible Canadian groceries, restaurants and food delivery, subject to a spending cap. It costs **$15.99/month** outside Quebec (**$191.88/year** in Quebec). Pick it if you’ll use the points and your usual merchants take Amex; keep a Visa or Mastercard as a backup. ([americanexpress.com](https://www.americanexpress.com/ca/en/benefits/cobalt-card/?utm_source=openai)) |\n| **Simple cash back, especially for Rogers customers** | **Rogers Red World Elite Mastercard** | **$0 annual fee**. With a qualifying Rogers, Fido or Shaw service, it earns 2% on eligible non-US-dollar purchases; otherwise, 1.5%. The higher earn rate applies to the first **$61,000 of annual spending**; after that, it drops to 1.5%. It has a higher income requirement, so check eligibility. ([rogersbank.com](https://www.rogersbank.com/en/help_centre_answers/rogers_red_worldelite_mastercard/?utm_source=openai)) |\n| **Groceries and household bills** | **Scotia Momentum Visa Infinite+** | **$120/year**; earns 4% cash back on eligible groceries and recurring payments, and 2% on eligible gas, EV charging, transit and food delivery. Particularly attractive if you can put substantial recurring bills on the card. ([scotiabank.com](https://www.scotiabank.com/ca/en/personal.html?utm_source=openai)) |\n| **No-fee, choose-your-own categories** | **Tangerine Money-Back Mastercard** | **$0 annual fee**; earns 2% in two categories you choose, or three if rewards go into a Tangerine savings account, and 0.5% elsewhere. A straightforward starting point if you don’t want to justify a fee. ([tangerine.ca](https://www.tangerine.ca/en/personal/spend/credit-cards?utm_source=openai)) |\n| **Travel outside Canada** | **Scotiabank Passport Visa Infinite+** | **$150/year**; no foreign-currency conversion fee and six complimentary airport-lounge visits per year after enrolment. More compelling for regular international travellers than for someone who rarely leaves Canada. ([scotiabank.com](https://www.scotiabank.com/ca/en/personal.html?utm_source=openai)) |\n| **Air Canada flyers** | **TD Aeroplan Visa Infinite** | **$139/year**; earns Aeroplan points and includes a first checked bag on eligible Air Canada flights. Choose it for benefits you’ll actually use, rather than assuming points always beat cash back. ([td.com](https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-infinite-card-faq?utm_source=openai)) |\n| **Costco members** | **CIBC Costco Mastercard** | **$0 card annual fee**; earns 3% at restaurants and Costco Gas, 2% at Costco.ca and other eligible gas/EV charging, and **1% in Costco warehouses**. It’s useful, but not automatically the highest-earning card for your warehouse shopping. A Costco membership is required. ([cibc.com](https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/costco-mastercard.html?utrc=S229%3A507&utm_source=openai)) |\n\n**My quick picks:** Start with **Tangerine** for a no-fee card, **Cobalt** if groceries and dining dominate your spending and you value points, or **Rogers Red World Elite** if you qualify and want uncomplicated cash back. If you prefer cash back on groceries *and bills*, compare **Scotia Momentum** against the **CIBC Dividend Visa Infinite**, which instead offers 4% on eligible groceries, gas and EV charging for a $120 annual fee. ([tangerine.ca](https://www.tangerine.ca/en/personal/spend/credit-cards?utm_source=openai))\n\nThese recommendations assume you **pay the statement balance in full**. If you regularly carry a balance, interest can overwhelm the rewards; compare borrowing costs before choosing a rewards card.","extractedBrands":[{"name":"American Express Cobalt","domain":"americanexpress.com","position":1},{"name":"Rogers Red World Elite Mastercard","domain":"rogersbank.com","position":2},{"name":"Scotia Momentum Visa Infinite+","domain":"scotiabank.com","position":3},{"name":"Tangerine Money-Back Mastercard","domain":"tangerine.ca","position":4},{"name":"Scotiabank Passport Visa Infinite+","domain":"scotiabank.com","position":5},{"name":"TD Aeroplan Visa Infinite","domain":"td.com","position":6},{"name":"CIBC Costco Mastercard","domain":"cibc.com","position":7},{"name":"CIBC Dividend Visa Infinite","domain":null,"position":8}]},{"provider":"perplexity","run":1,"model":"sonar","capturedAt":"2026-11-03T04:44:40.788Z","text":"The best Canadian credit card depends on your spending, but the strongest **real-world shortlist** is: **American Express Cobalt, Scotiabank Gold Amex, Scotia Momentum Visa Infinite, Tangerine Money-Back, Rogers Red World Elite Mastercard, and TD Aeroplan Visa Infinite**. These products repeatedly appear among leading Canadian recommendations and cover the main use cases: groceries, cash back, travel, Air Canada, and no-fee everyday spending.[1][2][3]\n\n| Best for | Recommended card | Why it stands out |\n|---|---|---|\n| **Best flexible rewards** | **American Express Cobalt** | Particularly strong for food, dining and groceries; good choice if merchants you use accept Amex.[2][3] |\n| **Best travel and foreign purchases** | **Scotiabank Gold American Express** | Scene+ rewards, travel benefits and **no foreign-transaction fee**; a leading option for Canadians who travel.[1][6][8] |\n| **Best cash back for a household** | **Scotia Momentum Visa Infinite** | Up to 4% cash back on eligible groceries and recurring payments, subject to spending caps; Visa acceptance is broadly useful.[4] |\n| **Best simple no-fee card** | **Tangerine Money-Back Credit Card** | No annual fee and customizable cash-back categories; frequently recommended as an easy everyday card.[2][4] |\n| **Best no-fee cash back for Rogers/Fido/Shaw customers** | **Rogers Red World Elite Mastercard** | No annual fee, with rewards boosted for eligible Rogers-family customers and additional value on U.S.-dollar purchases.[6] |\n| **Best for Air Canada/Aeroplan** | **TD Aeroplan Visa Infinite** | Designed for frequent Air Canada travellers and includes benefits such as a NEXUS application-fee rebate.[6] |\n| **Best for Loblaws and Shoppers Drug Mart** | **PC Insiders World Elite Mastercard** | Makes the most sense if a large share of spending is at participating Loblaw-banner stores and you value PC Optimum rewards.[1] |\n| **Best low-interest option** | **Desjardins Flexi Visa** | A better fit than a rewards card if balances are carried month to month; its advertised purchase rate is substantially below typical rewards-card rates.[6] |\n| **Best student option** | **BMO CashBack Mastercard** | Straightforward cash back and broad availability for students.[6] |\n\n## Practical recommendations\n\n- **One-card setup:** Choose **Scotia Momentum Visa Infinite** for cash back, or **Scotiabank Gold Amex** for travel and foreign spending.\n- **Two-card setup:** Pair **Amex Cobalt** for groceries and dining with a **Tangerine Money-Back** or **Rogers Red World Elite Mastercard** for merchants that do not accept Amex.\n- **Frequent Air Canada traveller:** Consider **TD Aeroplan Visa Infinite** rather than a generic cash-back card.\n- **Frequent U.S. or international spending:** Prioritize **Scotiabank Gold Amex**, since avoiding the usual foreign-exchange surcharge can outweigh small differences in rewards.[6][8]\n- **Carrying a balance:** Skip premium rewards cards and prioritize a low-interest card; interest charges can quickly erase rewards.\n- **Costco shopper:** Check acceptance before applying. Costco warehouses in Canada primarily accept Mastercard, so a Mastercard is generally the practical choice.\n\nAnnual fees, welcome bonuses, income requirements, insurance terms and reward caps change regularly. Pay the balance in full each month, and compare the current issuer terms before applying.","extractedBrands":[{"name":"American Express Cobalt","domain":null,"position":1},{"name":"Scotiabank Gold Amex","domain":"scotiabank.com","position":2},{"name":"Scotia Momentum Visa Infinite","domain":null,"position":3},{"name":"Tangerine Money-Back","domain":null,"position":4},{"name":"Rogers Red World Elite Mastercard","domain":null,"position":5},{"name":"TD Aeroplan Visa Infinite","domain":null,"position":6},{"name":"PC Insiders World Elite Mastercard","domain":null,"position":7},{"name":"Desjardins Flexi Visa","domain":null,"position":8},{"name":"BMO CashBack Mastercard","domain":null,"position":9}]}]}