PayperWIZ

Which credit card pays the most on phone and internet in Canada?

Of the cards whose terms were read off the issuer, MBNA Rewards World Elite (MBNA) publishes the highest rate on phone and internet in Canada: 4.17% (this rate covers only the first CAD 50,000 of spending; the terms say: 5 points per $1 on household utility purchases: telecommunication, cable, satellite and pay TV and radio. Shares MBNA's one Household Utility allowance with the utilities rule. Up to $50,000 a calendar year in this category, then 1.; CAD 120 a year). This is a ranking of published rates, not a recommendation to apply.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

18 read cards · Canada · phone and internet

The answer, from 18 read cards

Highest published rate on the whole category first. What limits each rate is printed beside it, because it is usually what decides whether the rate is real.

Read cards in Canada by their published rate on phone and internet, with what limits each one.
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14.17%MBNA Rewards World ElitecheckedMBNA · CAD 120 a year · checked 28 Oct 2026this rate covers only the first CAD 50,000 of spending; the terms say: 5 points per $1 on household utility purchases: telecommunication, cable, satellite and pay TV and radio. Shares MBNA's one Household Utility allowance with the utilities rule. Up to $50,000 a calendar year in this category, then 1.
22.00%Wealthsimple Visa Infinite+ Credit CardcheckedWealthsimple · CAD 240 a year · checked 28 Oct 2026the card's rate on everything; it publishes none for this category
31.50%Rogers Red World Elite MastercardcheckedRogers Bank · no annual fee · checked 28 Oct 2026the card's rate on everything; it publishes none for this category; this rate covers the first CAD 61,000 of spending a year
41.25%American Express SimplyCashcheckedAmerican Express · no annual fee · checked 28 Oct 2026the card's rate on everything; it publishes none for this category; this rate covers the first CAD 15,000 of spending a year
51.00%American Express CobaltcheckedAmerican Express · CAD 191.88 a year · checked 28 Oct 2026the card's rate on everything; it publishes none for this category
61.00%American Express PlatinumcheckedAmerican Express · CAD 799 a year · checked 28 Oct 2026the card's rate on everything; it publishes none for this category
71.00%CIBC Dividend Platinum VisacheckedCIBC · CAD 99 a year · checked 28 Oct 2026the card's rate on everything; it publishes none for this category
81.00%CIBC Dividend Visa InfinitecheckedCIBC · CAD 120 a year · checked 16 Sep 2026the card's rate on everything; it publishes none for this category
91.00%Neo World Elite MastercardcheckedNeo Financial · CAD 149 a year · checked 28 Oct 2026the card's rate on everything; it publishes none for this category
101.00%RBC Avion Visa InfinitecheckedRBC · CAD 120 a year · checked 28 Oct 2026the card's rate on everything; it publishes none for this category
111.00%Scotia Momentum VisacheckedScotiabank · CAD 49 a year · checked 28 Oct 2026the card's rate on everything; it publishes none for this category; this rate covers the first CAD 25,000 of spending a year
121.00%TD Cash Back Visa InfinitecheckedTD · CAD 139 a year · checked 28 Oct 2026the card's rate on everything; it publishes none for this category
130.67%Scotiabank Gold American ExpresscheckedScotiabank · CAD 120 a year · checked 16 Sep 2026the card's rate on everything; it publishes none for this category; this rate covers the first CAD 50,000 of spending a year
140.50%Neo World MastercardcheckedNeo Financial · no annual fee · checked 28 Oct 2026the card's rate on everything; it publishes none for this category; this rate covers only the first CAD 2,500 of spending; the terms say: 0.5% on everything else, on up to $2,500 a month. Neo does not say what it pays above that.
150.50%RBC Cash Back MastercardcheckedRBC · no annual fee · checked 28 Oct 2026the card's rate on everything; it publishes none for this category
160.50%Simplii Financial Cash Back VisacheckedSimplii Financial · no annual fee · checked 28 Oct 2026the card's rate on everything; it publishes none for this category
170.50%TD First Class Travel Visa InfinitecheckedTD · CAD 139 a year · checked 28 Oct 2026the card's rate on everything; it publishes none for this category
180.50%Tangerine Money-Back World MastercardcheckedTangerine · no annual fee · checked 28 Oct 2026the card's rate on everything; it publishes none for this category
How these were worked out. Only cards whose rates a person read off the issuer's own published terms are ranked here. Points and miles are valued at the redemption rate the programme publishes, the rate anyone can take rather than the best one after a transfer. A rate that covers only part of phone and internet — one chain of shops, one kind of merchant — is shown with what it covers and is not ranked, because it is not what the card pays on phone and internet.

The right card depends on what you have already spent.

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says whether it was read off the issuer, and none is made up.

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