Free Credit Cards Comparison in Canada.xlsx

	A	B	C	D	E	F	G	H	I	K	L
1		Source: https://www.moosemoney.com/top-free-credit-cards-canada
2	Category	Income (%)	Monthly Spend ($)	Annual Spend ($)	MBNA SmartCash Platinum Plus	Neo World Mastercard	PC® World Mastercard®	Simplii Financial Cashback Visa	Tangerine Money-Back Mastercard	Annual Income	$ 60,000
3					welcome offer: 5% cash back on gas & groceriess for first 6 months. After 6 months: 2% groceries & gas.0.5% everything else.	2% bills, gas, groceries. 0.5% everything else.	2% back in points at Loblaws/Canadian Superstore/No Frills etc. Min 3¢ / litre back in points at Esso™ and Mobil™ stations. 3.5% back in points at Shoppers Drug Mart® and Pharmaprix®. 2% back in points at Joe Fresh®. 1% back in points on dining, transit, and everything else.	Promo: earn $50 PRESTO voucher when you spend $50 on PRESTO transit for first 2 months, 8% cashback on restaurants for first 3 months (up to $80). 4% restaurants. 1.5% gas/groceries/pre-authorized payments, 0.5% everything else	welcome offer: $120 money back when you spend $1,500 in first 3 months. 2%: two categories (e.g. groceries, car payments). 0.5% everything else.	ON tax rate	21.71%
4	Groceries	10	391.48	4697.70	164.42	93.95	93.95	70.47	93.95	Net income	$ 46,977
5	Gas	5	195.74	2348.85	82.21	46.98	4.42	35.23	11.74
6	Car Payments	12	469.77	5637.24	28.19	112.74	56.37	84.56	112.74	Income Tax	13023
7	Utilities/bills	7	274.03	3288.39	16.44	65.77	32.88	49.33	16.44
8	Restaurants	4	156.59	1879.08	9.40	9.40	18.79	93.95	9.40
9	Entertainment	5	195.74	2348.85	11.74	11.74	23.49	11.74	11.74
10	Shopping	5	195.74	2348.85	11.74	11.74	23.49	11.74	11.74
11	Travel	3	117.44	1409.31	7.05	7.05	14.09	7.05	7.05
12	Subscriptions	2	78.30	939.54	4.70	4.70	9.40	4.70	4.70
13	Health & Fitness	2	78.30	939.54	4.70	4.70	32.88	4.70	4.70
14	Housing (Rent)	35	1370.16	16441.95	0.00	0.00	0.00	0.00	0.00
15	Savings	10	391.48	4697.70	0.00	0.00	0.00	0.00	0.00
16	TOTAL CASHBACK w/o promo	100	3914.75	46977.00	234.89	368.77	309.77	354.68	284.21
17	TOTAL CASHBACK w/ promo				340.58	428.77	N/A	423.47	404.21
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19								difference in cashback	133.88
20						Cost per litre	$ 1.33
21						Litres per month	$ 147.17
22						3 cents per litre	$ 4.42
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