Comparison by use

Best credit card for recurring bills and subscriptions

Monthly services and subscriptions. The ranking below applies the same published spending scenario to every eligible card; change the spending level or the American Express policy to see the matching Top 3.

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Your use

Choose a use

Reference amounts for this use

Each level uses an amount suited to the selected use instead of a profile’s full annual budget.

  • Moderate — $1,600 / year
  • Standard — $2,400 / year
  • High — $4,000 / year

The ranking applies the same amount to every card compared within a given level.

Carte IQ ranking

Best cards for recurring bills and subscriptions

1 Top Carte IQ pick
RBC ION Visa — RBC

RBC ION Visa

RBC · Visa

  • Recurring bills and subscriptions
  • Transferable points
Use-case value
$30
Annual fees
$0
Annual net value
$30
View card
2 Alternative
Cash Back Mastercard — Desjardins

Cash Back Mastercard

Desjardins · Mastercard

  • Recurring bills and subscriptions
  • Cashback
Use-case value
$30
Annual fees
$0
Annual net value
$30
View card
3 Alternative
Cash Back Visa — Desjardins

Cash Back Visa

Desjardins · Visa

  • Recurring bills and subscriptions
  • Cashback
Use-case value
$30
Annual fees
$0
Annual net value
$30
View card
3 cards compared with the same assumptions. Based on $2,400 per year at the standard spending level in Quebec.

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