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    <loc>https://www.financefemster.com/blog/6-canadian-stocks-to-watch-gold-energy-ai-earnings-feb-2026</loc>
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      <image:title>Blog - Digital Growth &amp;amp; Physical Assets:&amp;nbsp;6 Stocks to Watch - Enbridge Inc. ($ENB):</image:title>
      <image:caption>Dollarama Inc. ($DOL): The Discount Thermometer Dollarama is the biggest discount retailer in Canada. Unlike traditional grocers or department stores, its consistent focus on low, fixed price points ($5 or less) makes it the ultimate defensive stock. When times get tough, more people start shopping there. This makes their earnings the clearest sign of how stressed the average Canadian budget truly is. What to Watch: Same-Store Sales Growth (Comp Sales). This is the most important number. It measures how much more money people spent at existing stores compared to last year. If this number is high, it means Canadians are actively choosing to "trade down" from regular stores to save money. Key Investor Fact: The Recession Shield. Dollarama is a strong "defensive stock." If you had invested in Dollarama 5 years ago, you would have almost tripled your money, showing it can grow even when the rest of the market struggles. The Good: Reliable Growth &amp; Global Reach. They keep opening new stores across Canada and are successfully growing their discount stores in countries like Australia, Colombia, Mexico and Peru, proving their business model for providing value works globally and gives the company massive room for future growth. Investor Concern: Too Expensive? (Premium Valuation). The stock is expensive compared to other retailers (high P/E ratio), and is up over 40% in 2025. This means the market expects them to perform perfectly. If their sales growth is even slightly disappointing, the stock could drop sharply, reflecting the risk already baked into the high price. Earnings Date: Thursday, December 11th (Before Market Open)</image:caption>
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      <image:title>Blog - Digital Growth &amp;amp; Physical Assets:&amp;nbsp;6 Stocks to Watch - Agnico Eagle Mines ($AEM):</image:title>
      <image:caption>The Gold Standard Agnico Eagle is the world’s second-largest gold producer and the largest mining company on the TSX. As global markets wobble, it has become the primary destination for investors seeking safety in "hard money." What to Watch: Free Cash Flow. With gold hitting record highs near $5,500/oz earlier this year, Agnico should be swimming in cash. We are looking for a significant dividend hike this week. Key Investor Fact: 100% Growth. This stock has been a monster, up over 100% in the past year. It has officially moved into the "Top 5" most valuable companies on the TSX by market cap. The Good: The Jurisdictional Shield. Unlike rivals, Agnico only mines in "safe" spots like Canada (Quebec/Nunavut), Australia, and Finland. No "geopolitical surprises" here. Investor Concern: The Recent Gold Dip. Gold prices have cooled slightly in the last two weeks. If Agnico’s "All-in Sustaining Costs" (AISC) are rising due to labour inflation, the stock could see a short-term pullback. Earnings Date: Thursday, February 12th (After Market Close)</image:caption>
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      <image:title>Blog - Digital Growth &amp;amp; Physical Assets:&amp;nbsp;6 Stocks to Watch - Brookfield Corporation ($BN): The "Physical AI" Play</image:title>
      <image:caption>Brookfield owns the "real stuff" (pipelines, skyscrapers, and data centres). They are the infrastructure backbone that allows the digital world (and AI) to actually function. What to Watch: The $100 Billion AI Fund. Brookfield recently partnered with Nvidia to launch a massive fund to build AI data centres. Investors want to see exactly how much of that capital is being deployed right now. Key Investor Fact: The PM Spotlight. Having their former Chair, Mark Carney, as the current Prime Minister has put Brookfield’s massive Canadian infrastructure projects under a microscope. Whether it's green energy or housing, Brookfield is at the center of the national conversation. The Good: The 15% Rule. Their subsidiary (BAM) hiked its dividend by 15% last week; we want to see if the parent company follows suit on Thursday to reward loyal shareholders. Investor Concern: Complexity. Brookfield is a "corporate octopus" with hundreds of subsidiaries. For some, it’s a "black box" that’s harder to value than a simple retail stock. Earnings Date: Thursday, February 12th (Before Market Open)</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/23de6f82-3c7f-4b10-9771-abc0a80981a9/Cameco_Logo.svg.png</image:loc>
      <image:title>Blog - Digital Growth &amp;amp; Physical Assets:&amp;nbsp;6 Stocks to Watch - Cameco Corp ($CCO): The Nuclear AI Wildcard</image:title>
      <image:caption>Cameco is the "Nvidia of Energy" because Big Tech has realized that AI data centers need 24/7 power, and they’ve chosen Nuclear as the solution. As a top global uranium supplier, Cameco is holding all the cards. What to Watch: The India &amp; Westinghouse Deals. Cameco is finalizing massive long-term uranium supply deals. Any update on the "volumes" and "pricing" here will be a huge catalyst for the stock. Key Investor Fact: 5-Year Moon Mission. This stock has been a life-changer, returning over 700% (7x) in the last five years and up 120% in the last 12 months alone. The Good: Pricing Power. There is a global shortage of uranium, and Cameco owns the world's highest-grade mines (Cigar Lake). They don't have to "chase" customers; customers are lining up to sign 10-year contracts with them. Investor Concern: Overheated? After a 7x run, the stock is no longer a "secret." The valuation is high, and any delay in global nuclear reactor rollouts could cause some short-term profit-taking. Earnings Date: Friday, February 13th (Before Market Open)</image:caption>
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      <image:title>Blog - Digital Growth &amp;amp; Physical Assets:&amp;nbsp;6 Stocks to Watch - Manulife Financial ($MFC): The Global Fortress</image:title>
      <image:caption>Manulife is a global insurance powerhouse. While tech feels shaky, Manulife’s massive expansion into Asia’s growing middle class has made it a pillar of stability. What to Watch: Core Earnings from Asia. Over half of their growth now comes from markets like Hong Kong. Watch for "double-digit" growth here… it’s the fuel that keeps their dividend growing. Key Investor Fact: The "Safe Haven" Rotation. As investors pull money out of volatile tech stocks, they are parking it in "boring" giants like Manulife that pay you to wait. The Good: Manulife recently implemented GenAI tools to speed up insurance approvals, which is expected to significantly lower their operating costs this year. Investor Concern: Interest Rate Sensitivity. Now that the Bank of Canada is potentially eyeing rate cuts for later in 2026, there’s a fear that Manulife’s easy "interest income" will dry up. Investors are watching to see if their insurance sales can make up the difference. Earnings Date: Wednesday, February 11th (After Market Close)</image:caption>
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      <image:title>Blog - Digital Growth &amp;amp; Physical Assets:&amp;nbsp;6 Stocks to Watch - Shopify Inc. ($SHOP): The Tech Resilience Test</image:title>
      <image:caption>Shopify is Canada’s tech king. While US software giants are bleeding, Shopify is fighting to prove it's the essential "operating system" for global merchants. What to Watch: Gross Merchandise Volume (GMV). This tracks the total dollar value of everything sold on the platform. In a rocky month, a high GMV proves Shopify is a vital engine for real-world commerce, not just a "luxury" software tool. Key Investor Fact: Agentic Commerce. Shopify is leading the charge in "AI employees" for small businesses. If they can show that their AI tools are actually helping merchants sell more, they may escape the tech sell-off. The Good: International Expansion. Shopify is successfully moving beyond North America into Europe, giving them a massive runway for growth while US rivals saturate. Investor Concern: Too Expensive? The stock has been slammed to start the year, dropping over 20% YTD as investors flee high valuations. This week's earnings are a make-or-break moment to prove they can outrun and recover from the "SaaSpocalypse." Earnings Date: Wednesday, February 11th (Before Market Open)</image:caption>
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  <url>
    <loc>https://www.financefemster.com/blog/earnings-test-retailers-ai-and-your-wallet</loc>
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    <lastmod>2026-02-19</lastmod>
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      <image:title>Blog - 6 Stocks to Watch This Week (Dec 8 - 12) - Dollarama Inc. ($DOL):</image:title>
      <image:caption>Dollarama Inc. ($DOL): The Discount Thermometer Dollarama is the biggest discount retailer in Canada. Unlike traditional grocers or department stores, its consistent focus on low, fixed price points ($5 or less) makes it the ultimate defensive stock. When times get tough, more people start shopping there. This makes their earnings the clearest sign of how stressed the average Canadian budget truly is. What to Watch: Same-Store Sales Growth (Comp Sales). This is the most important number. It measures how much more money people spent at existing stores compared to last year. If this number is high, it means Canadians are actively choosing to "trade down" from regular stores to save money. Key Investor Fact: The Recession Shield. Dollarama is a strong "defensive stock." If you had invested in Dollarama 5 years ago, you would have almost tripled your money, showing it can grow even when the rest of the market struggles. The Good: Reliable Growth &amp; Global Reach. They keep opening new stores across Canada and are successfully growing their discount stores in countries like Australia, Colombia, Mexico and Peru, proving their business model for providing value works globally and gives the company massive room for future growth. Investor Concern: Too Expensive? (Premium Valuation). The stock is expensive compared to other retailers (high P/E ratio), and is up over 40% in 2025. This means the market expects them to perform perfectly. If their sales growth is even slightly disappointing, the stock could drop sharply, reflecting the risk already baked into the high price. Earnings Date: Thursday, December 11th (Before Market Open)</image:caption>
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      <image:title>Blog - 6 Stocks to Watch This Week (Dec 8 - 12) - Empire Company Ltd. ($EMP-A):</image:title>
      <image:caption>The Grocery Bill Test Empire Company is one of Canada's "Big Three" grocers, owning major banners like Sobeys, Safeway, the budget FreshCo, and the specialty Farm Boy. Their vast network touches every type of Canadian shopper. Their earnings are a direct look at the high cost of food and the strength of the "Buy Canadian" movement versus the pressure to buy the cheapest item possible. What to Watch: Store Spending Mix. Look for comments about which stores are performing best. If FreshCo sales are soaring, it confirms consumers are chasing discounts. If Farm Boy sales are flat, it suggests even high-income shoppers are watching their specialty food spending. Key Investor Fact: Real Estate Safety Net. Empire has a close partnership with a real estate company (Crombie REIT) that owns most of their store buildings. This provides financial stability and a valuable pool of rental income, acting as a financial safety net. The Good: Steady Cash Flow. People always need groceries. This means the company is stable and pays a reliable dividend (1.7%) that has been steadily increasing, perfect for income investors. Investor Concern: Tough Battle. They are caught in a vicious fight with Loblaw and Metro. They need to prove they can raise prices enough to cover their own costs without losing customers to cheaper places like Walmart or Dollarama. Earnings Date: Thursday, December 11th (Before Market Open)</image:caption>
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      <image:title>Blog - 6 Stocks to Watch This Week (Dec 8 - 12) - Costco ($COST): The Big Spender Checkup</image:title>
      <image:caption>Costco operates a unique membership-based warehouse club model. It focuses on selling a limited selection of high-quality goods at razor-thin margins. Its loyalty (with membership renewal rates over 90%) makes it the ultimate bellwether for the savvy, mid-to-high income shopper. Their results show whether families feel confident enough to buy in bulk. What to Watch: Membership Renewal Rate. This is the most important number. If over 90% of customers renew their annual membership, it proves the value is worth the fee, and loyalty is rock-solid. We also watch Same-Store Sales to see how much people are spending in those massive shopping carts. Key Investor Fact: The Special Dividend. Costco ended its last fiscal year with a massive cash pile of over $14 billion, far exceeding its long-term debt, giving it immense financial flexibility. Every few years, they reward shareholders with a huge "special dividend" (an extra, one-time cash payout) that excites investors. The Good: Loyalty is Everything. By operating on razor-thin profits, they consistently deliver the best value, making customers fiercely loyal and ensuring those cash-cow membership fees keep rolling in. Investor Concern: Costco stock is very expensive compared to other major retailers, meaning the market demands spectacular growth. The stock's lag this year is due to investor fear that recent sales growth is decelerating (slowing down), suggesting the massive valuation may no longer be justified if the consumer is pulling back. Earnings Date: Thursday, December 11th (After Market Close)</image:caption>
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      <image:title>Blog - 6 Stocks to Watch This Week (Dec 8 - 12) - Adobe Inc. ($ADBE): The Creative Industry's Health</image:title>
      <image:caption>Adobe is the undisputed leader in creative software, owning industry standards like Photoshop, Illustrator, and Premiere Pro, which are packaged in its profitable Creative Cloud subscription service. Its earnings are crucial for assessing the health of corporate digital marketing budgets and the willingness of creative professionals to pay for sophisticated Generative AI tools. What to Watch: Subscription Growth (ARR). We look at Annual Recurring Revenue (ARR), which is the guaranteed subscription money they will collect over the next year. If this is growing, it means companies are confident and investing in creative work. Key Investor Fact: The Subscription Goldmine. Adobe wisely switched from selling software boxes to selling monthly subscriptions. This gives them incredibly reliable, high-profit cash flow that investors love. The Good: AI Fortress. Adobe is embedding its own Generative AI (called Firefly) directly into Photoshop and other tools. This makes it much harder for new AI startups to steal their customers. Investor Concern: AI Competition. Despite its lead, the competition from new, simpler AI tools (like Canva or OpenAI's image tools) is getting fierce, forcing Adobe to constantly prove its value. Leading to it’s 20% drop this year. Earnings Date: Wednesday, December 10th (After Market Close)</image:caption>
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      <image:title>Blog - 6 Stocks to Watch This Week (Dec 8 - 12) - Broadcom Inc. ($AVGO): The AI Infrastructure Enabler</image:title>
      <image:caption>Broadcom is a major and highly diversified semiconductor and software giant. While its core business is in networking and custom chips, it has become a central player in the AI revolution. Its earnings are a crucial report card for AI infrastructure spending by massive tech companies(like Google, Meta, etc.), which use Broadcom's custom chips and networking solutions to train their AI models. What to Watch: AI Chip Sales. The key question: How much money did they make selling custom chips to the biggest tech companies to build their AI supercomputers? We want to see this number grow fast. Key Investor Fact: A Foot in Every Door. Broadcom is huge. It not only makes chips but also owns major business software companies. This diversification provides stability even when one area of tech slows down. The Good: Direct AI Winner. Broadcom is like the company that sells shovels during a gold rush. Its products are essential for the massive, non-stop spending on AI infrastructure by Big Tech. Investor Concern: AI Bubble Fears. Given the stock is up 75% this year, there is concern that the AI boom is overhyped and that these AI chips are overvalued. Investors worry that if Big Tech slows its spending on new AI data centers, Broadcom’s recent, massive revenue surge could stall. Earnings Date: Thursday, December 11th (After Market Close)</image:caption>
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      <image:title>Blog - 6 Stocks to Watch This Week (Dec 8 - 12) - Oracle Corporation ($ORCL): The Cloud Giant's Revival</image:title>
      <image:caption>Oracle is a veteran tech company famous for its huge corporate databases (the foundation of almost every large business's data storage). Now, they are in a high-stakes race to catch up with Amazon (AWS) and Microsoft (Azure) in the cloud computing market with their Oracle Cloud Infrastructure (OCI). Their success hinges on securing massive, multi-billion-dollar deals with major clients who are building new AI infrastructure. What to Watch: Future Revenue (RPO). Look for their Remaining Performance Obligations (RPO). This means the total amount of money clients have already signed contracts to pay them over the next few years. A high RPO confirms their long-term shift to the cloud is working. Key Investor Fact: The AI Connection. Oracle has secured multi-billion-dollar contracts to provide cloud space for major AI players, including OpenAI (the creator of ChatGPT), making them an unexpected, but huge, player in the AI race. The Good: Big Names Switching to OCI. Revenue growth proves its ability to take market share from rivals, with major clients like Nvidia, Uber, and TikTok recently choosing Oracle's Cloud Infrastructure (OCI) for their high-performance computing needs. Investor Concern: Too Much Debt. To build all this cloud infrastructure for new clients, Oracle has taken on a lot of new debt. Investors are watching to see if the growth in sales and profit is worth the increased financial risk. Earnings Date: Wednesday, December 10th (After Market Close)</image:caption>
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    <loc>https://www.financefemster.com/blog/canada-market-recap-tsx-jobs-report-bank-earnings-dec-2025</loc>
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    <priority>0.5</priority>
    <lastmod>2025-12-24</lastmod>
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  <url>
    <loc>https://www.financefemster.com/blog/big-6-bank-earnings-tfsa-analysis</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-02</lastmod>
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      <image:title>Blog - The Big 6 Bank Earnings: Why the Most Important Week for Your TFSA is HERE - RBC ($RY): The National Bellwether</image:title>
      <image:caption>RBC is Canada's most valuable company. Its highly diversified business makes its earnings the single best snapshot of the entire Canadian economy. What to Watch: Whether they reduce loan-loss provisions (PCLs). Setting aside less cash for bad loans is a strong signal that management believes Canadians' financial health is improving and recession fears are fading. Key Investor Fact: They have increased their dividend 7 times in the last three years, a perfect sign of stability and growth for your TFSA. The Good: It's the safest foundation for a Canadian portfolio, offering market-beating long-term total returns and unmatched financial stability. The stock has grown almost the Canadian stock market in the last 15 years. Investor Concern: Premium Valuation… RBC consistently trades at a premium to its peers, meaning there may be limited upside unless earnings significantly exceed expectations. Earnings Date: Wednesday, December 3rd</image:caption>
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      <image:title>Blog - The Big 6 Bank Earnings: Why the Most Important Week for Your TFSA is HERE - CIBC ($CM): The Mortgage Watch</image:title>
      <image:caption>CIBC has historically had a higher exposure to the domestic housing market than its peers. The bank has been actively reducing risk but remains the one most scrutinized for Canadian mortgage performance. What to Watch: Management's commentary on mortgage renewals and credit card delinquencies. CIBC has spent the last two years improving its expense controls and diversifying, so look for gains in its Capital Markets segment to offset any weakness in lending. Key Investor Fact: Analysts will be looking to see if their loan-loss provisions for mortgages have stabilized or declined, a strong indicator of the overall health of the Canadian borrower. The Good: It is a major value play, often trading at a lower valuation than its peers, offering higher capital appreciation potential if Canadian credit quality stabilizes. Investor Concern: Credit Sensitivity… CIBC remains more sensitive to Canadian credit quality (mortgage defaults) than its more globally diversified peers. Earnings Date: Thursday, December 4th</image:caption>
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      <image:title>Blog - The Big 6 Bank Earnings: Why the Most Important Week for Your TFSA is HERE - TD Bank ($TD): The U.S. Consumer Play</image:title>
      <image:caption>TD is often called Canada's most "American" bank due to its huge retail network South of the Border. TD's results are a direct bet on the strength of the U.S. consumer and their spending habits. What to Watch: The momentum. After regulatory fines hit profits last year, the stock has roared back, up over 50% in 2025. Investors want proof that management's cost-cutting and confidence (seen in their recent multi-billion-dollar share buyback announcement) are translating into clean profit growth. Key Investor Fact: This bank offers a leveraged bet on the health and growth of the U.S. economy right within a Canadian brokerage account. The Good: It offers the clearest exposure to faster U.S. consumer growth, providing an engine for future earnings expansion once its regulatory issues are resolved. Investor Concern: Regulatory Headwinds… Lingering risk from the past U.S. regulatory issues (money laundering fines) could potentially lead to unexpected costs or constraints on future growth. Earnings Date: Thursday, December 4th</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/6f47618f-f680-4529-aeac-02bbf6c21e50/BMO_Logo.svg.png</image:loc>
      <image:title>Blog - The Big 6 Bank Earnings: Why the Most Important Week for Your TFSA is HERE - Bank of Montreal ($BMO): The U.S. Commercial Bet</image:title>
      <image:caption>BMO dramatically increased its U.S. commercial banking footprint with the Bank of the West acquisition. The key focus has shifted from the integration itself to successfully realizing the promised cost synergies and growing its U.S. commercial client base. As part of a plan to optimize its network, BMO is now selling 138 branches in non-core U.S. markets. What to Watch: Expense control and the performance of its U.S. loan books. BMO is expected to report a rare fall in loan-loss provisions (PCLs), which would be a strong sign of stabilizing credit quality and successful operational blending. Key Investor Fact: BMO holds the record for the longest-running dividend payout of any company in Canada (over 195 years), making it an old-school dividend favourite. The Good: It is a bet on successful, large-scale U.S. commercial expansion, which could unlock major shareholder value as integration synergies take hold. Investor Concern: Strategic Charges… The recent branch sale results in a C$104M goodwill charge this quarter, with a further C$117M tax charge expected upon the deal's mid-2026 closing, impacting future capital. Earnings Date: Thursday, December 4th</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/f8c87f2d-3a36-4b3a-8060-375a6fc37e5f/national-bank.png</image:loc>
      <image:title>Blog - The Big 6 Bank Earnings: Why the Most Important Week for Your TFSA is HERE - National Bank ($NA): The Outperforming Underdog</image:title>
      <image:caption>National Bank is the smallest of the Big 6, but for investors, it holds a massive appeal: it’s been the best long-term performer among the peer group over the last decade. It’s a growth machine that consistently out-executes its rivals. What to Watch: The success of its high-margin Capital Markets division and any updates on the recent acquisition of Canadian Western Bank (CWB), which is designed to accelerate its growth into Western Canada. Key Investor Fact: It’s also the first Canadian bank-owned brokerage to offer $0 commission on all CAD &amp; US stocks and ETFs, showing its focus on the modern investor. The Good: It is a proven growth stock that has consistently outperformed its peers and is now aggressively expanding its domestic market share. Investor Concern: Concentrated Geography… Despite recent acquisitions, its revenue remains more concentrated in Quebec than other banks, making it less geographically diversified across Canada. Earnings Date: Wednesday, December 3rd</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/fabba400-1eaf-4663-a1d6-c77b4b132d70/Scotiabank-Symbol.png</image:loc>
      <image:title>Blog - The Big 6 Bank Earnings: Why the Most Important Week for Your TFSA is HERE - Scotiabank ($BNS): The International Turnaround</image:title>
      <image:caption>Scotiabank is known for its major exposure to Latin America (the Pacific Alliance countries). While this exposure offers a higher dividend yield, it also introduces more volatility from foreign currency and economic shifts. What to Watch: This quarter will be the first under the new CEO's strategic reset. Investors want to see evidence of improved efficiency ratios in their domestic Canadian banking unit and stability in their international segments. Key Investor Fact: BNS usually offers the highest dividend yield among the Big 6, making it attractive for income-focused investors, provided they are comfortable with the international risk. The Good: It offers the highest dividend yield for income investors and is a classic value play betting on the success of the new management's domestic turnaround strategy. Investor Concern: Foreign Currency Risk… Its large Latin American presence means profits are subject to volatility from foreign currency fluctuations and economic instability in those markets. Earnings Date: Tuesday, December 2nd</image:caption>
    </image:image>
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      <image:title>Blog -  TSX Hits Record HIGH: The 2.6% GDP Shock &amp;amp; What it Means for Your TFSA - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Wealthsimple vs Questrade: What’s the Best Investing App in Canada for 2026? - Wealthsimple</image:title>
      <image:caption>Wealthsimple started as a no-commission investing app that made investing accessible to everyone. The design is clean, modern, and perfect for beginners. You can buy and sell Canadian and U.S. stocks or ETFs for free, and even invest in fractional shares, so you don’t need hundreds of dollars to own part of Shopify or Tesla. But Wealthsimple has evolved beyond just investing, it’s now an all-in-one financial app that includes: Cash accounts (with interest) A Wealthsimple Card that earns cash-back or stock rewards A Wealthsimple Credit Card with up to 2% back on everyday purchases A Line of Credit for eligible clients who want flexible access to cash Easy transfers between your banking, saving, and investing accounts Wealthsimple feels more like a full personal-finance ecosystem than just a trading app.</image:caption>
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      <image:title>Blog - Wealthsimple vs Questrade: What’s the Best Investing App in Canada for 2026? - Questrade</image:title>
      <image:caption>Questrade is Canada’s original discount brokerage. It’s been trusted by investors for over two decades and built a reputation for low fees and flexibility. Traditionally known for serious DIY investors, Questrade now competes directly with Wealthsimple after going commission-free on Canadian and U.S. stocks and ETFs. It also supports fractional shares, giving Canadians the same low-cost access to investing. While it’s not as sleek as Wealthsimple, Questrade’s trading tools, research reports, and order controls make it ideal for investors who like to go deeper.</image:caption>
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  <url>
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    <lastmod>2025-11-08</lastmod>
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  <url>
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  <url>
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  <url>
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  <url>
    <loc>https://www.financefemster.com/blog/best-canadian-credit-cards-2025</loc>
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    <lastmod>2026-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/4c6396d9-78e8-4f4e-aa67-9ed2dce3dc52/IMG_8164.PNG</image:loc>
      <image:title>Blog - Best Credit Cards in Canada - American Express Cobalt</image:title>
      <image:caption>For Foodies, City-livers, and Fast point collectors Earn 2x points on travel, gas, groceries, and drugstores Transfer points to Aeroplan, Avios, and more – Ideal for travel hackers $100 annual travel credit – Book through Amex Travel and offset your fee Extensive travel and purchase insurance – Baggage, car rental, hotel burglary, and more ✅ Great for people who travel often and want to squeeze max value out of flexible points  Annual Fee: $12.99/month ($155.88 annually)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/4501e024-e25b-4748-ae9d-8638869c61ae/cibc.png</image:loc>
      <image:title>Blog - Best Credit Cards in Canada - CIBC Dividend Visa Infinite</image:title>
      <image:caption>For High Cashback on Groceries and Gas 4% cashback on groceries – One of the best rates in Canada for supermarket spending 2% cashback on gas, transportation, dining, and recurring bills – Covers most lifestyle categories 1% on everything else – So you’re always earning, no matter the purchase Strong travel insurance coverage – Including emergency medical, trip interruption, rental cars, and more ✅ A great everyday card for families or anyone spending big on groceries, gas, and monthly bills  Annual Fee: $120 (often waived for the first year)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/b4845429-28b2-406f-9dc5-f2ff1843742f/PCWorldElite.png</image:loc>
      <image:title>Blog - Best Credit Cards in Canada - PC World Elite Mastercard</image:title>
      <image:caption>For Grocery, Pharmacy, and Household Essentials Earn PC Optimum points – Up to 30 points per $1 at Loblaws, No Frills, Real Canadian Superstore Shoppers Drug Mart bonus points – Multiply value with bonus redemption days Free for life – No annual fee and no hidden costs Free travel emergency medical insurance – 10-day coverage under age 65 ✅ One of the best no-fee cards for families or anyone who shops at Loblaw-owned stores  Annual Fee: $0 (None)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/85ba624e-7975-4366-be78-eaa729aa7f02/scotiabank-gold-american-express-card-768x483.png</image:loc>
      <image:title>Blog - Best Credit Cards in Canada - Scotiabank Gold American Express</image:title>
      <image:caption>For Frequent Travellers and Grocery Shoppers No foreign transaction fees – Save 2.5% on every USD or international purchase 4-6x points on groceries, dining, gas, UberEats, and entertainment – Strong everyday earn rate Comprehensive travel insurance – Including trip cancellation, interruption, rental car, and more Scene+ points are flexible – Redeem for travel, grocery gift cards, or bill credits ✅ A great all-in-one travel and daily spending card, especially for people who shop internationally  Annual Fee: $120</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/edf8cd5e-953f-4d4c-9b71-13b59387404b/IMG_8162.PNG</image:loc>
      <image:title>Blog - Best Credit Cards in Canada - Tangerine World Mastercard</image:title>
      <image:caption>For Custom Cashback based on your Lifestyle Choose 2–3 cashback categories – Like gas, groceries, recurring bills, or entertainment No annual fee – Keep it forever with zero cost Mastercard Travel Rewards + Boingo WiFi – Added value while travelling Free rental car collision insurance – Coverage without needing a separate plan ✅ A simple, flexible card with long-term value — ideal for budgeters and first-timers  Annual Fee: $0 (None)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/08570a17-67e1-4f17-87ea-ca13d20d2dbc/IMG_7266.png</image:loc>
      <image:title>Blog - Best Credit Cards in Canada - American Express Gold Rewards Card</image:title>
      <image:caption>For Flexible points and Elevated Travel Benefits Earn 2x points on travel, gas, groceries, and drugstores Transfer points to Aeroplan, Avios, and more – Ideal for travel hackers $100 annual travel credit – Book through Amex Travel and offset your fee Extensive travel and purchase insurance – Baggage, car rental, hotel burglary, and more ✅ Great for people who travel often and want to squeeze max value out of flexible points  Annual Fee: $250</image:caption>
    </image:image>
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  <url>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/784aca4d-f687-4f49-b133-c2ec20aa3c18/Untitled-3-02.png</image:loc>
      <image:title>Blog - Canada’s Big 6 Bank Earnings (Aug 2025): What They Mean for Your TFSA - Royal Bank of Canada ($RY)</image:title>
      <image:caption>Canada’s biggest bank, the most valuable company in the country by market cap, and a backbone of the economy. RBC’s sheer size and diversification make it a stable choice. It holds leading market positions across many financial services and has strong capital markets and wealth management divisions, helping it consistently pay dividends. But last quarter profits fell as RBC set aside more cash for potential bad loans… investors will watch if credit risks are easing or still a concern.  Reports earnings on August 27  Dividend: 3.23%</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/12beca0c-a091-4714-8cc2-0b0f219d6509/Untitled-3-01.png</image:loc>
      <image:title>Blog - Canada’s Big 6 Bank Earnings (Aug 2025): What They Mean for Your TFSA - TD Canada Trust ($TD)</image:title>
      <image:caption>A top Canadian bank with over $2 trillion in assets, and a big U.S. presence, giving it growth beyond Canada. Long-term investors value its diversification and dividend history TD has been cutting roughly 2% of its workforce and buying back shares to improve efficiency. This comes after some U.S. regulatory hurdles, as TD focuses on cost control and returning capital to shareholders.  Reports earnings on August 28  Dividend: 4.08%</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/adbe57ed-8054-4679-ae61-7e29d33ae1d8/Untitled-3-04.png</image:loc>
      <image:title>Blog - Canada’s Big 6 Bank Earnings (Aug 2025): What They Mean for Your TFSA - Scotiabank ($BNS)</image:title>
      <image:caption>Scotiabank is the most international of the big banks. In addition to its Canadian operations, it has significant business in Latin America and other overseas markets. Scotiabank offers exposure to faster-growing emerging markets (like Mexico, Peru, Chile, etc.) which could boost long-term growth. It’s also known for a hefty dividend yield. How is Scotiabank’s international division performing? Economic ups and downs outside of Canada can strongly affect its earnings… as we’ve seen in the past. Investors will be looking to see if overseas results improve and how the bank is managing any risks in those markets.  Reports earnings on August 26  Dividend: 5.52%</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/73574718-1927-4b47-ac2e-9e76fa8df902/Untitled-3-05.png</image:loc>
      <image:title>Blog - Canada’s Big 6 Bank Earnings (Aug 2025): What They Mean for Your TFSA - Bank of Montreal ($BMO)</image:title>
      <image:caption>Canada’s oldest bank, now earning nearly half its profit in the U.S. after buying Bank of the West. Long-term investors like BMO’s balanced Canada-U.S. mix and steady track record. It just raised its dividend to $6.52 per share, a sign of confidence in its earnings. Can BMO’s expanded U.S. operations keep boosting results? This earnings report will be watched for further progress in the U.S. division and any updates on cost synergies from the merger.  Reports earnings on August 26 Dividend: 4.11%</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/e2d97d58-6228-45be-b83f-e551551bb2ce/Untitled-3-06.png</image:loc>
      <image:title>Blog - Canada’s Big 6 Bank Earnings (Aug 2025): What They Mean for Your TFSA - CIBC ($CM)</image:title>
      <image:caption>CIBC has a strong focus on domestic banking (serving Canadian personal and business customers).  It’s slightly smaller than its peers, but still a significant lender in areas like mortgages, personal loans, and small business banking across Canada. Surprised analysts last quarter by beating earnings while bigger peers struggled. Its concentration in Canada means it benefits directly when the Canadian economy is strong(though it also means exposure to things like the housing market). CIBC has a large mortgage and personal loan portfolio, so any signs of borrowers struggling or thriving will be key.  Reports earnings on August 28  Dividend: 3.83%</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67eb1e1f82fa481a5c66ac0d/56dd137b-053d-425d-8ab6-903844b6d954/Untitled-3-03.png</image:loc>
      <image:title>Blog - Canada’s Big 6 Bank Earnings (Aug 2025): What They Mean for Your TFSA - National Bank ($NA)</image:title>
      <image:caption>The smallest of the Big Six, but it plays a big role in Quebec’s economy (its home province). Profits jumped 29% last quarter, thanks in part to a 56% increase in its trading and investment banking income during a volatile market. Some long-term investors view National Bank as a “hidden gem.” Because it’s smaller than its peers, it can sometimes grow faster in certain areas.  The question now: Was last quarter’s trading windfall a one-off? National Bank benefited from unusually high trading volumes recently, but experts don’t expect that pace to continue indefinitely   Reports earnings on August 27  Dividend: 3.11%</image:caption>
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      <image:caption>For Foodies, Travellers &amp; Grocery Hauls 6x Points at Sobeys, FreshCo, Foodland, and more 5x points on dining, food delivery and most other grocery stores No foreign transaction fees when travelling or shopping online Includes travel insurance, rental car coverage, and purchase protection Redeem points for travel, groceries, gift cards, or bill credits</image:caption>
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