Spicy Awards
The best credit card combos in Canada, chosen once a year after every wallet has been reviewed, and judged on what they actually pay out.
- Combo ReviewsThis year's reviews, airing November
- Season wrapsThe last wallet reviewed
- Spicy AwardsOut right after
Start here
The 2025/2026 Best Credit Card Combo Guide
While the awards wait on this year's wallet reviews, the combo guide is already up on FinlyWealth. Check that out first.
Read the combo guide✅ The sweet spot: 3–4 well-chosen cards
Everyday spending earns the points and travel is where they're worth most. Hold more than that and some cards just sit unused.
How it's judged
What wins a Spicy Award
The key criteria for a strong credit card combo.
- Max pointsA primary card that earns maximum points
- Travel coveredA card that provides travel benefits and insurance
- Every networkCoverage across all three major credit card networks
- No wasted feesAvoiding unnecessary annual fees
- Fees in checkKeeping overall annual fees reasonable
- 3–4 solid cardsEach one with a clear role
2026 EDITION
The Spicy Awards, the best credit card combo guide.
The best credit card combo in Canada, chosen once a year, with the reasoning shown.
Coming soon