Which Canadian credit cards earn you the most?
Enter your spending once. The optimizer tests combinations of Canadian credit cards — with real earn caps, annual fees, and bonus eligibility — and shows the wallet that nets you the most after fees.
Run the optimizerHonest math
Reward caps, annual fees, point valuations, and first-year bonuses are modeled explicitly. First-year and ongoing-year results are always shown separately.
Your spending, not averages
Recommendations are computed from the spending profile you enter — not a generic persona.
No hidden ranking
Wallets are ranked by net rewards after fees. See exactly how we make money on the disclosure page.
How it works
- Enter your monthly spending by category.
- Pick the cards to consider (or use the full database of 97 verified Canadian cards).
- Get a ranked list of card combinations with per-category assignments and fee math.
Card data is re-verified regularly against issuer pages. Welcome bonuses are never counted as guaranteed — eligibility and minimum spend thresholds always apply.