 Which credit cards give the most reward points or cash back? Hello everyone. This is financial author. I'm a down of Edan journal today. I'll talk about Maximum rewards points offered by annual free credit cards in Canada Keep in mind that I'm not looking at introductory bonus points insurance benefits or Other perks offered by these cards the cards that offer most rewards points May not be the best credit cards When it comes to extra benefits for example The American Express Gold Rewards credit card is One of the best credit cards in Canada in terms of rewards But in terms of benefits it is one of the worst credit cards in Canada. Why? please read my review on Edan journal of the American Express Gold Rewards credit card best proprietary points credit card The Scotia Bank American Express Gold Card offers the most proprietary rewards points four points per dollar on four categories grocery gas Entertainment and restaurants However, it offers a poor one point per dollar on all other spending There are three other credit cards That offer a flat two points per dollar on all spending across the board. These cards are BMO World Elite MasterCard MB&A Rewards World Elite MasterCard and Capital One Aspire Travel World Elite MasterCard best airline loyalty point Great card both the TD aeroplane visa infinite and the CIBC Aero Gold visa infinite cards offer 1.5 miles on four categories grocery gas Pharmacy and at ercanada.com purchases excluding vacation however These cards offer a poor one mile per dollar on all other spending best hotel loyalty points credit card The star would preferred guest American Express credit card or SPG credit card Offers one star point per dollar across the board on all categories Although there are other hotel credit cards that offer more points per dollar a start point is the most valuable hotel currency on the market and currently one Star point is valued at 2.5 cents or even more and for that reason The star would American Express credit card provides most value for every dollar spent best cashback credit card The Scotia Momentum visa infinite credit card offers the most cashback return 4% on gas grocery and 2% on pharmacy and Recurring bills. However, it offers a poor 1% on all other spending The BMO cashback world elite master card offers a flat 1.75% return on all spending across the board Another no fee credit card or mentioning is the tangerine moneyback credit card which offers 2% cashback in two categories and 1% on everything else you can Choose these two categories out of other categories best high hybrid points credit card The American Express gold reverse credit card offers two points on gas grocery Dragstore and travel purchases and one point on everything else These points can be converted to airline miles such as airplane Avios Etc our hotel points such as Hilton SPG and so on Or you can use these points as a statement credit as well The two points for dollar earning Opportunity makes this card the highest airplane earner credit card in Canada bonus credit card points tip Although the Scotia Bank American Express gold credit card and and the MB&A world elite reverse master card Are proprietary points travel credit cards? its ability to redeem points for cashback such as MB&A and Statement credit on any purchases such as a Scotia American Express Make these travel credit cards a cashback credit card as well last word Don't pick any credit cards based on only rewards points they offer There are many other elements to it such as what types of insurance coverage provided Who's the insurance provider if any concierge services available or if the card provides anniversary bonus and so on Aaron journal has lots of articles on credit card tips and unlike many other sites, I do not receive money Participate in affiliate program or promote any credit cards So my opinions are honest and unbiased Always do your research and make informed decisions before making your credit card selections. That's all for today. Thank you