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// LAB-TESTED · CANADIAN · FREE

Every money product, tested in the lab.

We compare credit cards and bank accounts from Canadian institutions side by side, so you can choose with the numbers in front of you.

Compare all credit cardsSee our picks
POPULAR:No annual feeNo FX feeCash backAll cards
★ Featured card
$120ANNUAL FEEUP TO6xPOINTS

Scotiabank® Gold American Express® Card

Up to 50,000 Scene+ points · in your first year

Apply now Read the review
01 / COMPARE

The periodic table of wealth

  • CARDS
  • BANKING
  • INVEST
  • HOME
  • PROTECT
POPULAR
01CARDS
Cc
Credit cards
02BANKING
Ch
Chequing
03BANKING
Sv
Savings & HISA
04BANKING
Gi
GICs
05INVEST
Iv
Investing
06INVEST
Rg
TFSA · RRSP · FHSA
07HOME
Mg
Mortgages
08PROTECT
In
Insurance
02 / LAB RESULTS

Cards worth a look

Compare all cards
$0 fee · 0% FX
ANNUAL FEE
$240
FX FEE
0%
  • No foreign transaction fees
  • 2% on everything else
Apply now
Fees as of the issuer’s published terms
For building credit

Neo Secured Card

Neo Financial
ANNUAL FEE
$0
FX FEE
2.5%
  • No annual fee
  • Secured card: your deposit sets your limit
  • 1% on everyday spending
Apply now
Fees as of the issuer’s published terms
03 / HOT DEALS

Hot credit card deals

Cards that earn the most on our typical budget of $2,000 a month, shown as yearly value after the annual fee.

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DATA STUDY

What income it takes to buy a home

The household income you’d need to buy a benchmark-priced home in 31 Canadian markets, using prices as of August 2026. Change the assumptions to see how it moves.

Mortgage rate
Down payment
Amortization
Stress test

Income needed so mortgage payments take 30% of gross household income · 20% down · 4.50% rate · 25-year amortization

Markets where buyers need the most income
  1. Vancouver, BC$192,000
  2. Oakville-Milton, ON$185,000
  3. Toronto, ON$164,000
  4. Mississauga, ON$162,000
  5. Victoria, BC$157,000
  6. Fraser Valley, BC$154,000
  7. Hamilton-Burlington, ON$129,000
  8. Guelph, ON$127,000
  9. Barrie, ON$123,000
  10. Cambridge, ON$118,000
Markets where buyers need the least income
  1. Regina, SK$62,000
  2. Saint John, NB$63,000
  3. Fredericton, NB$65,000
  4. Prince Edward Island$66,000
  5. Moncton, NB$67,000
  6. Thunder Bay, ON$68,000
  7. Winnipeg, MB$70,000
  8. Edmonton, AB$74,000
  9. St. John's, NL$75,000
  10. Quebec City, QC$77,000
Canada$116,000

See all 31 markets, the method and the calculator →

04 / METHOD

No black boxes. Every comparison shows its work.

We compare products on fees, rates, rewards and the fine print, and our methodology is public so you can check our math.

Read the methodology

  1. HYPOTHESIS

    Start with your goal

    Cash back, travel, building credit or growing savings: the right product depends on you.

  2. EXPERIMENT

    Measure every product

    We record each product’s fees and terms from the issuer’s own disclosures, then compare like with like.

  3. RESULT

    Show the work

    Every comparison shows the numbers behind it, and we update them when an issuer changes its terms.

05 / LAB NOTES

Money questions, answered simply

All Lab notes