Tell us your spending
Answer a few quick questions about what you actually spend — groceries, gas, dining, travel, bills. Rough numbers are fine.
Most Canadians are using the wrong credit card.
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Three steps to the right card.
We run the math
Every card's real earn rates, annual fees, spending caps and perks go through our engine, measured against your exact numbers.
See your ranking
Your cards, ranked by net dollar value for your life — with the full breakdown behind every number, down to the dollar.
Meet Marc.
- Groceries$900 / mo
- Gas$250 / mo
- Restaurants$400 / mo
Marc pays for all of it on a flat 1% cashback card. His best match is the Amex Cobalt — 5× on groceries and dining — which earns him $690 a year. His current card? Just $186.
Marc is leaving on the table
+$504
every year
Amex Cobalt vs. a flat 1% card · same spending
Real rates. Real fees. Pure math.
- Real earn rates — every category, every bonus multiplier.
- Real fees, subtracted in full. No card hides its cost.
- Real caps — the 5× that quietly stops at $2,500 a month.
- Perks valued in dollars — a lounge pass is worth nothing if you never fly.
- No sponsored rankings. No affiliate thumb on the scale. Just the numbers.
Rates verified July 2026 against issuer websites.
Fair questions.
Is it free?
Yes — completely. No account, no email, no payment. Ever.
Are you biased?
No. No sponsors, no affiliate deals steering the order. Every card is scored by the same math, and you can open the full calculation behind each result.
Does it affect my credit score?
Not at all. We never ask for your name, SIN, or banking details, and we run no credit checks. It's a calculator, not an application.
How current is the data?
We verify earn rates, fees, and perks regularly against the banks' own websites. Terms change often — so we always link you straight to the source before you apply.
What people say.
"Took two minutes and found me a card worth $600 more a year than the one I'd used for a decade. No idea why I waited."
"Finally a comparison that shows the actual dollars instead of a vague 'best cards' list. The math is right there."
"I liked that it told me my no-fee card was already the right one. Nothing to sell me — just an honest answer."
See what your card is costing you.
Find my cardFree · 2 minutes · no credit check