Reviews
Hands-on Canadian product reviews
Every review here was written after I opened the account and used the product personally. No second-hand summaries. Real fees, real screenshots, real verdicts.
Amex Aeroplan Card Review 2026: 50K Welcome Bonus Worth It?
American Express Aeroplan Card review May 2026 — 50,000 Aeroplan welcome points, $120 fee, free first checked bag. Compare to Reserve and Cobalt.
Updated May 8, 2026
Amex Aeroplan Reserve Review 2026: $599 Worth It?
Amex Aeroplan Reserve review May 2026 — 95,000 Aeroplan welcome points (~$1,800), Maple Leaf Lounge, $599 fee. Real value math vs Cobalt and Aeroplan Visa.
Updated May 8, 2026
Amex Cobalt Review 2026: Best Canadian Travel Card?
Amex Cobalt review for May 2026 — 60,000 MR welcome points, 5x on groceries, 5x on dining, $156 annual fee. Real value vs. Aeroplan Reserve, RBC Avion.
Updated May 8, 2026
Amex Gold Rewards Card Review 2026: 60K Welcome MR Points
Amex Gold Rewards Card review for 2026 — 60,000 MR welcome points, 2x on travel/gas/groceries, $250 annual fee. Compare to Cobalt and Platinum tiers.
Updated May 8, 2026
Amex Platinum Card Canada Review 2026: $799 Worth It?
American Express Platinum Card review for 2026 — 100K MR welcome points, Centurion + Priority Pass lounge access, $200 travel credit, $799 fee. Real value math.
Updated May 8, 2026
BMO Eclipse VIP Review 2026: Worth the $499 Annual Fee?
BMO Eclipse Visa Infinite Privilege 2026 — 70K BMO Rewards welcome, 5x transit/dining, lounge access, $499 fee. Real value vs Cobalt and Avion.
Updated May 8, 2026
RBC Avion Visa Infinite Review 2026: 55K Welcome Bonus
RBC Avion Visa Infinite review for 2026: 55,000 welcome points (~$1,100), flexible flight redemptions, $120 fee. Real value for RBC clients and casual.
Updated May 8, 2026
Scotia Passport Visa Infinite 2026: No FX, Free Lounge
Scotia Passport Visa Infinite review for 2026: no FX fees (saves 2.5%), 6 lounge passes/year, 40,000 Scene+ welcome, first-year fee waived. Best for travelers.
Updated May 8, 2026
Capital One Costco Mastercard 2026: Worth It For Costco?
Capital One Costco Platinum Mastercard review for 2026 — 3% on dining, 2% gas, 1% Costco purchases, $0 fee. Real value for Canadian Costco members.
Updated May 7, 2026
EQ Bank Review (2026): The Best HISA In Canada?
EQ Bank Personal Account review 2026: real interest rates, no monthly fees, free Interac e-Transfers, plus how it compares to Wealthsimple Cash.
Updated May 7, 2026
KOHO Review 2026: Is The Cashback Card Worth It?
KOHO review: real cashback rates, Earn Interest tier, KOHO Credit Building, and how it compares to Wealthsimple Cash, Neo, and traditional Canadian banks.
Updated May 7, 2026
Marriott Bonvoy Amex Review 2026: Worth The $120 Fee?
Marriott Bonvoy American Express review for 2026 — earn rates, free night certificate, elite status, and how it compares to Amex Cobalt and Aeroplan cards.
Updated May 4, 2026
MBNA Rewards World Elite Review 2026: 5x Points Worth It?
MBNA Rewards World Elite Mastercard review for 2026 — 5 points/$ on top categories, $120 fee, real point values, and how it compares to Amex Cobalt.
Updated May 4, 2026
Moomoo Canada Review 2026: $0 Trades & Pro-Level Charts
Moomoo Canada review for 2026: $0 US stock trades, pro-level charts, real-time Level 2 data, and how it compares to Wealthsimple Trade and Questrade.
Updated May 4, 2026
Neo Financial Review 2026: The Truth About 5% Cashback
Neo Financial tested for 8 months in 2026: actual cashback I earned, partner stores that work (and ones that don't), Neo Money rates, and Neo vs KOHO verdict.
Updated May 7, 2026
Questrade Review (2026): Best Canadian Brokerage?
Hands-on Questrade review for 2026: real fees, USD account, RESP support, Norbert's Gambit, and how it compares to Wealthsimple Trade and the bank brokers.
Updated May 4, 2026
RBC Direct Investing Review 2026: Worth $9.95/Trade?
RBC Direct Investing review for 2026 — fees, account types, fee waivers, RBC Royal Circle eligibility, and how it compares to Wealthsimple Trade and Questrade.
Updated May 4, 2026
Simplii Review 2026: Free CIBC ATMs Worth It?
Simplii Financial review: chequing, savings, GICs, Cash Back Visa, mortgages. Real fees, rates, and how Simplii compares to Tangerine and EQ Bank in 2026.
Updated May 4, 2026
Tangerine Bank Review 2026: Still Worth It vs EQ Bank?
Tangerine Bank review: chequing, savings, GICs, mortgage, and credit cards. Real fees, interest rates, and how Tangerine compares to EQ Bank and Simplii.
Updated May 4, 2026
Tangerine Money-Back Mastercard Review 2026: Best No-Fee?
Tangerine Money-Back Mastercard review for 2026 — 2% cashback on your choice of categories, no annual fee, and how it compares to other Canadian cashback cards.
Updated May 4, 2026
VDY ETF Review 2026: Is the 4.5% Yield Actually Worth It?
Vanguard's VDY ETF tested for 2026: real monthly distributions, the 0.22% MER math, bank-heavy holdings reality, and who should (and shouldn't) buy this ETF.
Updated May 7, 2026
VEQT Review (2026): Vanguard's All-In-One Canadian ETF
VEQT review: holdings, MER, performance, and whether Vanguard All-Equity ETF Portfolio is the right one-ticker fund for Canadian long-term investors.
Updated May 4, 2026
VFV Review 2026: The Cheapest S&P 500 ETF In Canada?
VFV ETF review for 2026 — Vanguard's S&P 500 in CAD at 0.09% MER. Holdings, dividend, distributions, and how VFV compares to ZSP, XUS, and VOO.
Updated May 7, 2026
Wealthsimple Cash Review 2026: $1M CDIC + Real Rates (Tested)
I tested Wealthsimple Cash with real money. The $1M CDIC trust structure, actual rates by tier, free Interac e-Transfers, and how it stacks vs EQ Bank.
Updated May 7, 2026
Wealthsimple Tax Review 2026: Free NETFILE Filing (Tested)
Filed my Canadian taxes with Wealthsimple Tax for free. NETFILE-certified, auto-fill from CRA, what it can't handle, and who should pay TurboTax instead.
Updated May 7, 2026
Wealthsimple Trade Review 2026: $0 Fees + Up To $5,075 Bonus
After 6 years using Wealthsimple Trade daily: real fees, the 1.5% FX truth, what you give up vs Questrade, and how to claim the tiered $5,075 bonus.
Updated May 7, 2026
XEQT Review (2026): The Best All-In-One Canadian ETF?
XEQT review: holdings, MER, performance, dividend yield, and whether iShares Core Equity ETF Portfolio is the right one-ticker portfolio for Canadians in 2026.
Updated May 4, 2026
XIC Review 2026: The Cheapest Canadian Index ETF (0.06%)?
XIC ETF review for 2026 — iShares Core S&P/TSX Capped Composite at 0.06% MER. Holdings, dividends, and how XIC compares to VCN, ZCN, and XIU.
Updated May 7, 2026
ZSP Review 2026: BMO's Cheapest S&P 500 ETF (0.09% MER)
ZSP ETF review for 2026 — BMO S&P 500 Index ETF at 0.09% MER. Holdings, distributions, and how ZSP compares to VFV, XUS, and the USD-listed ZSP.U.
Updated May 7, 2026