What counts as verified
A card appears only if its issuer’s own website (product page, fee schedule, cardholder agreement, terms or help centre) shows that it is offered to Canadian residents. Every fee, reward rate, payout rule, province rule, custody detail and phone-wallet claim links to the page it came from, with the date shown on that page or, where none is shown, the date we read it.
Review sites, affiliate pages, social media and press coverage are used only to find candidates, never as the source of a figure. When we could not confirm a figure, we write “not stated” instead of estimating it. When we could not confirm a card at all, it goes on the left-out list with the reason.
How the calculators work
- Rewards vs fees: yearly rewards = (monthly CAD + foreign purchases) × reward rate × 12, capped where the issuer caps rewards. Costs are fixed fees (annual plus 12 × monthly), the stated FX fee on foreign purchases, and percentage ATM fees above the free amount. Break-even = monthly spend at which rewards cover fixed fees.
- Volatility: each month’s reward is credited at that month’s price along a straight-line path through your chosen midpoint and end, and held to the end. A staked balance takes the full start-to-end change.
- Stake and lock-up: extra yearly rewards ÷ stake value = the price drop that cancels them.
- Reward records: average cost across credits; two treatments (income at receipt vs nil cost) shown side by side because CRA has not addressed card cashback specifically.
The engine is open in the site’s source and covered by unit tests. Tools run in your browser and send nothing.
Independence and money
CryptoCards.ca is part of the MITEY network, based in Calgary. We have no affiliate relationship with any card on this site and no issuer pays for placement or reviews. If that ever changes, the affected page will say so at the top. We do not give investment, tax or legal advice.
Changelog
- 2026-11-03 — Rebuilt as a MITEY guide. Added MetaMask Card (Virtual; Canada on its supported-country list). Checked and listed as left out: Coinbase Card and Kraken Krak (US only), Wealthsimple (CAD cash back), Netcoins and Mogo (no card), Nexo, ether.fi, Wirex, Bitvo (not verifiable). Bank crypto-card waitlists removed. USD reward caps converted at the Bank of Canada USD/CAD rate of 1.3978 (2026-11-02).
- 2026-11-01 — Crypto.com Canada tiers, caps, FX allowances (effective 2026-09-01), issuance and replacement fees read from its card page and Canadian fees article.
- 2026-10-31 — Shakepay card, statuses, cashback, fees and cardholder agreement read; Shakepay’s announced December 1, 2026 change (Base cashback 1% → 0.5%, Bright exchange minimum $100 → $200) added as a dated note. CRA, CSA, CIRO, FINTRAC, CDIC and Finance Canada sources checked for the guides.
- Next full check — by 2027-01-31, and on December 1, 2026 for Shakepay’s change.
Corrections
Card terms change. If you see a figure that is out of date, send a correction with the issuer’s link. We re-check every card at least quarterly; the next full check is due by January 31, 2027.
