Compare credit cards in Canada side by side
Which card puts more back in your wallet?
Choose two cards and ClearFin will calculate the stronger fit for your spending. We include annual fees and show exactly where each card earns more.
Scotia Gold Amex
Gross $822 − fee $120
National Bank World Elite Mastercard
Gross $768 − fee $150
Points and miles are shown as estimated cash value using publicly available reward rates. Estimates exclude welcome offers, fee waivers and reward caps. Actual rewards may vary · ClearFin is independent of card issuers · View our methodology
How the comparison works
A card can look great on paper and still be the wrong fit for your spending.
ClearFin compares cards using the spending profile in the calculator rather than ranking every card by one headline earn rate. A grocery-heavy household can get a very different result from someone who spends more on dining, travel or general purchases.
For each selected card, the comparison estimates category earnings over a year and subtracts the card's annual fee. The result is an estimated net annual value that makes it easier to see whether a higher-fee card actually earns enough for your spending to justify that cost.
Reward values are estimates, not guaranteed cash returns. Merchant coding, earning caps, redemption choices, issuer program changes and eligibility rules can all change what a card ultimately delivers. ClearFin keeps those assumptions visible so the comparison stays useful without pretending every reward point has one fixed value.