Rewards simulator
Test a real purchase
Pick a merchant, set tax, and see which card in your wallet wins.
OneCard routes to
Amex Cobalt Card
10% back · dining · CA$84.75
Merchant
Purchase
CA$84.75
OneCard picks
Amex Cobalt Card
Amex Cobalt Card
CA$8.47
- Effective rate
- 10% back · dining
- Bonus cap
- Available
RBC Ion Visa Card
CA$3.56
- Effective rate
- 4% back · dining
- Bonus cap
- Available
CIBC Dividend Visa Infinite Card
CA$0.85
- Effective rate
- 1% back · dining
- Bonus cap
- Available
Scotia Momentum Visa Infinite Card
CA$0.85
- Effective rate
- 1% back · dining
- Bonus cap
- Available
Amex Cobalt Card
BestRBC Ion Visa Card
CIBC Dividend Visa Infinite Card
Your defaultScotia Momentum Visa Infinite Card
Charged to American Express Cobalt Card: 5x on dining at Uber Eats, worth ~$8.47 vs $3.56 on your next-best card (RBC Ion Visa Card) — +$4.92 on this purchase
Rates as of May 31, 2026 — verify with your issuer.
Purchase type
Location
Purchase amount
Canadian taxes · Ontario
- Subtotal
- CA$75.00
- HST (13%)
- CA$9.75
- Total charged
- CA$84.75
Merchant
Food & drink
OneCard routes to
Amex Cobalt Card
10% back · dining · CA$84.75
Merchant
Purchase
CA$84.75
OneCard picks
Amex Cobalt Card
Amex Cobalt Card
CA$8.47
- Effective rate
- 10% back · dining
- Bonus cap
- Available
RBC Ion Visa Card
CA$3.56
- Effective rate
- 4% back · dining
- Bonus cap
- Available
CIBC Dividend Visa Infinite Card
CA$0.85
- Effective rate
- 1% back · dining
- Bonus cap
- Available
Scotia Momentum Visa Infinite Card
CA$0.85
- Effective rate
- 1% back · dining
- Bonus cap
- Available
Amex Cobalt Card
BestRBC Ion Visa Card
CIBC Dividend Visa Infinite Card
Your defaultScotia Momentum Visa Infinite Card
Charged to American Express Cobalt Card: 5x on dining at Uber Eats, worth ~$8.47 vs $3.56 on your next-best card (RBC Ion Visa Card) — +$4.92 on this purchase
Rates as of May 31, 2026 — verify with your issuer.
