Best card for…

34 guides answering the question by merchant and by bill rather than by category — because a category is not a merchant. Costco's own bonus is Costco-only, a shopping portal's rate doesn't reach Amazon, and warehouse clubs and superstores are exactly what grocery bonuses exclude. Where a real bonus exists we rank it by what it's actually worth; where none exists, we say so and rank by base rate instead of inventing one.

Updated 2026-09-16

In Canada

Canadian cards, with every value in Canadian cents per C$1.

Where a real bonus category applies

Where almost nothing pays a bonus — and what to do instead

Rent, taxes, utilities, medical bills and the big-box superstores are the largest unrewarded lines in most budgets. These pages rank the best flat-rate cards for each, subtract the processing fee where paying by card costs one, and are honest that the answer is often "pay by bank transfer instead".

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Looking for a spending category rather than a store? The best-card guides rank dining, groceries, gas, travel and more the same way.

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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →

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