The right card, decided by math — not commissions.

Most Canadians are carrying the wrong card.

And they're leaving hundreds of dollars on the table every year — not because they're careless, but because comparing credit cards is genuinely confusing. Earn rates, category caps, annual fees, foreign-transaction fees, and a pile of perks that may or may not be worth anything to you.

Most "best card" lists don't help. They're ordered by whoever pays the site the biggest commission, not by what's actually best for your wallet. The card at the top is often just the highest bidder.

A transparent engine, not a pay-for-placement list.

Spearn is a calculation engine. You tell us what you actually spend — groceries, gas, dining, travel, bills — and we run those numbers through every major Canadian card's real earn rates, fees, spending caps, and perks.

Then we rank the cards by net dollar value: what you'd genuinely come out ahead by, after fees, for your life. No commission decides the order — the math decides. And we show our work: every ranking comes with the full breakdown, down to the dollar, so you can see exactly why a card landed where it did.

We earn when you win — and never before.

We make money the way most comparison sites do: through affiliate links. If you're approved for a card after following one of our links, Spearn may earn a commission — at no cost to you.

Here's the part that matters: that never changes the rankings. The order you see is pure math, based on your spending and each card's public terms — not on what any bank pays us. If the best card for you is a no-fee card nobody pays us a cent for, that's the one that ranks first. Every time.

Built in Canada, for Canadians.

Spearn is focused entirely on the cards, rewards programs, and issuers available here. Every earn rate, fee, and perk in our engine reflects the Canadian market — so the numbers you see are the numbers you'd actually get. 🍁