American Express Gold Rewards Card
American Express
VS
Desjardins Cash Back Visa
Desjardins
Best Value
American Express Gold Rewards Card wins by $372
Based on your spending — adjust below to personalise
AI Expert Analysis
Analyzing cards...
Monthly Spending— all calculations update live
Best Value
American Express Gold Rewards Card
Category Earnings+$564
Welcome Bonus+$600
Annual Fee-$250
Net Value$914
Earnings breakdown
Grocery$288
Gas$72
Dining$144
Bills$60
Desjardins Cash Back Visa
Category Earnings+$492
Welcome Bonus+$50
Annual Fee-$0
Net Value$542
Earnings breakdown
Grocery$288
Gas$72
Dining$72
Bills$60
Annual Fee
American Express
$250
Desjardins Cash
$0
✓ Better
Welcome Bonus
American Express
$600
✓ Better
Desjardins Cash
$50
Base Rate
American Express
1.0%
✓ Better
Desjardins Cash
0.5%
Grocery
American Express
2.0%
Desjardins Cash
2.0%
Gas
American Express
2.0%
Desjardins Cash
2.0%
Dining
American Express
2.0%
✓ Better
Desjardins Cash
1.0%
Bills
American Express
1.0%
Desjardins Cash
1.0%
| Feature | American Express Gold Rewards Card | Desjardins Cash Back Visa |
|---|---|---|
Annual Fee | $250 | $0 |
Welcome Bonus | $600 | $50 |
Base Rate | 1.0% | 0.5% |
Grocery | 2.0% | 2.0% |
Gas | 2.0% | 2.0% |
Dining | 2.0% | 1.0% |
Bills | 1.0% | 1.0% |
How net value is calculated
Net Value = Category Earnings + Welcome Bonus − Annual Fee
Category earnings = annual spend per category × reward rate. First-year estimate.