Best credit card Canada 2026 rankings just dropped and one card still owns the category. The American Express Cobalt earns up to 5 points per dollar and converts to Air Canada, Air France, or straight cash back. Patrick Sojka from Rewards Canada explains why it crushed 230+ competitors for the ninth consecutive year. But here's the tension: the strongest points earner isn't always the best card while you're traveling.

Shane and Patrick break down the fee versus no-fee cash back winners, why the Rogers Red World Elite Mastercard beats expectations at Costco, and how the Simply Cash Preferred delivers 4% on groceries despite holding your money hostage once per year. Patrick introduces a new category this year: true travel cards that prioritize airport lounge access and zero foreign transaction fees over maximum points accumulation. The Scotiabank Passport Visa Infinite takes that crown as the well-rounded option for people who refuse to carry six different cards.

Discover why running multiple credit cards isn't about maximizing rewards but protecting yourself when fraud locks your only card in a foreign country. Learn which cards hide trip cancellation insurance you're already paying for twice. Understand what 2% cash back actually means when it only hits your account as statement credit once annually.

GUEST: Patrick Sojka | http://rewardscanada.ca

Originally aired on 2026-01-13

Best credit card Canada 2026 rankings just dropped and one card still owns the category. The American Express Cobalt earns up to 5 points per dollar and converts to Air Canada, Air France, or straight cash back. Patrick Sojka from Rewards Canada explains why it crushed 230+ competitors for the ninth consecutive year. But here's the tension: the strongest points earner isn't always the best card while you're traveling.
Shane and Patrick break down the fee versus no-fee cash back winners, why the Rogers Red World Elite Mastercard beats expectations at Costco, and how the Simply Cash Preferred delivers 4% on groceries despite holding your money hostage once per year. Patrick introduces a new category this year: true travel cards that prioritize airport lounge access and zero foreign transaction fees over maximum points accumulation. The Scotiabank Passport Visa Infinite takes that crown as the well-rounded option for people who refuse to carry six different cards.
Discover why running multiple credit cards isn't about maximizing rewards but protecting yourself when fraud locks your only card in a foreign country. Learn which cards hide trip cancellation insurance you're already paying for twice. Understand what 2% cash back actually means when it only hits your account as statement credit once annually.
GUEST: Patrick Sojka |<a href="http://rewardscanada.ca"> http://rewardscanada.ca</a>
Originally aired on&nbsp;2026-01-13

Shane Hewitt & The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world—always with curiosity, compassion, and a sharp edge.

From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane’s signature style—thoughtful, fearless, and refreshingly real.

If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt &amp; The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world&mdash;always with curiosity, compassion, and a sharp edge.
From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane&rsquo;s signature style&mdash;thoughtful, fearless, and refreshingly real.
If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt and The Nightshift

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.