The card picker

Which credit card should you get?

Six questions, about ninety seconds. We compare across every bank, not just one — and we tell you where the answer falls short.

  • No email, no sign-up
  • Skip any question you’re not sure about
  • Your answers stay in this browser tab

What the quiz asks, and why

Six questions, and each one changes the answer. We ask what you want the card to do — travel rewards, cash back, flexible points, or a lower interest rate, or help building credit — because that decides which of our shortlists of Canadian credit cards we start from. Every card on them is one we have reviewed and would recommend.

Then we ask something no other Canadian comparison site asks: which chequing plan you hold. The Scotiabank Ultimate Package, TD All-Inclusive Banking Plan, RBC VIP Banking, CIBC Smart Account and BMO Premium Plan each rebate the annual fee on one eligible credit card. That matters more than it sounds — a $139 card whose fee is fully rebated costs you less than a no-fee card, so the plan you already pay for can change which card is best for you. We always show what the chequing plan itself costs, because a rebate you have to pay $30 a month to keep is not free.

We ask where your spending goes, what you are willing to pay in annual fees, whether you already carry one of the popular cards — there is no point recommending a card you have — and finally your personal income, so we never suggest a card you could not be approved for. Visa Infinite cards usually state a $60,000 personal minimum and World Elite Mastercards $80,000 — though some set a higher bar, so we check each card's own figure rather than the rule of thumb. Income is a real gate here, not a marketing question. Every question can be skipped, and the results say what we assumed when you do.

What you get is one card, two alternatives framed as genuine trade-offs, the reasons in your own words, and a plain list of where the recommendation falls short. We compare across every major Canadian issuer — Amex, BMO, CIBC, National Bank, RBC, Scotiabank, TD and others — which is something a single bank's own card selector cannot do.

Questions about this quiz

Do I need to give my email to see the results?
No. The results appear as soon as you answer the last question. We do not ask for your contact information at any point, and there is no sign-up.
How is the recommendation worked out?
We keep a ranked shortlist of the cards we would recommend for each goal and level of annual fee, and review it card by card. Your answers choose the list. Cards you already hold, or whose stated minimum income is above yours, come off it. Within the list, cards your chequing plan rebates move up first, then cards that earn well where you said you spend. If nothing on the list is left, we fall back to the next-cheaper list. There is no match score, because we cannot honestly calibrate one.
Why do you ask which bank I already use?
Several Canadian chequing plans rebate the annual fee on one credit card. A $139 card whose fee is rebated can cost less than a no-fee card, so the bank you already use can change which card is best for you. We always show what the chequing plan itself costs.
Why do you ask for my income?
Only to avoid recommending a card you could not be approved for. Visa Infinite cards typically require $60,000 individual or $100,000 household income, though a few set a higher bar — Wealthsimple's Visa Infinite + asks for $80,000. World Elite Mastercards require $80,000 or $150,000. We check each card's own stated minimum rather than a rule of thumb, and you can decline to answer and see everything.
Are you paid to recommend certain cards?
No. We are not currently compensated by any card issuer, and no ranking or placement on this site is influenced by compensation. If that changes, compensated links will be marked individually.
Does the quiz tell me how many points I would earn?
No. We note where each shortlisted card earns well and use that to order the list, but a points figure needs earn rates, category caps and point valuations for every card, which we have not finished building. We would rather leave the number out than estimate it badly.

Prefer to browse? Compare every card side by side or read the guides.