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Rewards Calculator: Credit Card Finder Canada

Finly is the most personalized and advanced solution to 'What credit card is best for me?'

Give our algorithm a test. We throw out all bias and focus on a purely algorithmic approach so you'll find more rewarding cards for your wallet, or confirm you've already got the best ones.

New to Credit Cards?

The quiz will guide you through a step by step process to answer a few questions and find your best cards.

Start with the Quiz

What are cash offers?

Get a cash bonus when you apply for a credit card using our referral links. After you're approved, you'll get extra cash rewards as a thank you for using our service.

You can earn between $50 to sometimes over $200, on top of the regular credit card rewards and benefits. This bonus is only for cards that offer cash rewards.

Plus, if you refer someone to these cards, you'll get a 25% rebate bonus upon their approval.

Rewards Calculator Algorithm

You can either find your best cards by inputting your spending habits or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.

Total Spending on Credit Cards

Modify your spending numbers and click update to get the most accurate recommendations.

$0


Restaurant, Fast Food and Coffee Shop

$

Pharmacy

$


Shoppers Drug Mart

$

Other Pharmacies

$

Gas

$


Esso & Mobil

$

Costco Gas

$

Other Gas Stations

$

Transportation

$


Public Transportation

$

Rideshare (Uber, Lyft, Taxi, etc.)

$

Parking

$

Grocery

$


Costco

$

Whole Foods

$

Groceris from Safeway, Sobeys, Foodland, FreshCo, ThriftyFoods, Voila, IGA, Rachelle Bery, Les Marches Tradition

$

Groceries from Loblaws, NoFrills, RealCanadianSuperStore, PCExpress, Maxi, Provigo, SaveEasy, SuperValu, ValuMart, YourIndependentGrocer, Zehrs, Fortinos

$

Walmart in Store

$

Walmart Online

$

Other Grocery Purchases

$

Travel (Flights, Hotels, etc.)

$


Air Canada Airline

$

WestJet Airline

$

British Airways Airline

$

Cathay Pacific Airline

$

Marriott Bonvoy Hotels

$

Travel Booked from Expedia

$

Other Hotels

$

Other Airlines

$

Other Travel Not Specified

$

Home Improvement (Renovation, Furniture)

$


Home Fixes & Renovations

$

Home Furnishing

$

Recurring Purchases (Subscriptions, Bills)

$


AppleTV+, Apple Music, Crave, Disney+, FuboTV, Hayu, Netflix, RDS, SiriusXM Canada, Spotify, TSN

$

Utilities

$

Other Recurring Purchases (e.g. Car payment, Loan repayment, etc.)

$

Entertainment (Movies, Concerts, etc.)

$


Cineplex

$

Other Entertainment Purchases

$

Foreign Purchases (Non CAD)

$


USD Purchases

$

Foreign Non-USD Purchases

$

Retail & Online Purchases

$


Amazon

$

Digital Goods (E-books, Music, Software, Mobile Apps, Photos, etc.)

$

Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Online/Retail Purchases

$

Other Purchases Not Specified

$

New to Credit Cards?

The quiz will guide you through a step by step process to answer a few questions and find your best cards.

Start with the Quiz

What are cash offers?

Get a cash bonus when you apply for a credit card using our referral links. After you're approved, you'll get extra cash rewards as a thank you for using our service.

You can earn between $50 to sometimes over $200, on top of the regular credit card rewards and benefits. This bonus is only for cards that offer cash rewards.

Plus, if you refer someone to these cards, you'll get a 25% rebate bonus upon their approval.

Rewards Calculator Algorithm

You can either find your best cards by inputting your spending habits or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.

Total Spending on Credit Cards

Modify your spending numbers and click update to get the most accurate recommendations.

$0


Restaurant, Fast Food and Coffee Shop

$

Pharmacy

$


Shoppers Drug Mart

$

Other Pharmacies

$

Gas

$


Esso & Mobil

$

Costco Gas

$

Other Gas Stations

$

Transportation

$


Public Transportation

$

Rideshare (Uber, Lyft, Taxi, etc.)

$

Parking

$

Grocery

$


Costco

$

Whole Foods

$

Groceris from Safeway, Sobeys, Foodland, FreshCo, ThriftyFoods, Voila, IGA, Rachelle Bery, Les Marches Tradition

$

Groceries from Loblaws, NoFrills, RealCanadianSuperStore, PCExpress, Maxi, Provigo, SaveEasy, SuperValu, ValuMart, YourIndependentGrocer, Zehrs, Fortinos

$

Walmart in Store

$

Walmart Online

$

Other Grocery Purchases

$

Travel (Flights, Hotels, etc.)

$


Air Canada Airline

$

WestJet Airline

$

British Airways Airline

$

Cathay Pacific Airline

$

Marriott Bonvoy Hotels

$

Travel Booked from Expedia

$

Other Hotels

$

Other Airlines

$

Other Travel Not Specified

$

Home Improvement (Renovation, Furniture)

$


Home Fixes & Renovations

$

Home Furnishing

$

Recurring Purchases (Subscriptions, Bills)

$


AppleTV+, Apple Music, Crave, Disney+, FuboTV, Hayu, Netflix, RDS, SiriusXM Canada, Spotify, TSN

$

Utilities

$

Other Recurring Purchases (e.g. Car payment, Loan repayment, etc.)

$

Entertainment (Movies, Concerts, etc.)

$


Cineplex

$

Other Entertainment Purchases

$

Foreign Purchases (Non CAD)

$


USD Purchases

$

Foreign Non-USD Purchases

$

Retail & Online Purchases

$


Amazon

$

Digital Goods (E-books, Music, Software, Mobile Apps, Photos, etc.)

$

Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Online/Retail Purchases

$

Other Purchases Not Specified

$

Services with Reward Bonuses

Select all options which you're currently subscribed to (i.e. account owner). The corresponding card reward values will change depending on your selection.

rogers
Primary Rogers, Fido or Shaw service account owner
amazon-prime
Amazon Prime
tangerine
Tangerine Savings Account

Credit Card Preferences

Cash Back or Points

Annual Fees

Special Rebates

Institutions

Select any institutions to only see their cards. By default all supported institutions are shown.

RBC

RBC

BMO

BMO

TD

TD

CIBC

CIBC

Scotiabank

Scotiabank

American Express

American Express

Rogers Bank

Rogers Bank

MBNA

MBNA

Simplii Financial

Simplii Financial

Tangerine

Tangerine

KOHO

KOHO

ATB

ATB

Home Trust

Home Trust

National Bank

National Bank

Walmart

Walmart

Neo

Neo

PC Financial

PC Financial

Brim Financial

Brim Financial

Canadian Tire

Canadian Tire

Payment Networks

Select any payment network to only see their cards. By default all available networks are shown.

Mastercard

Mastercard

Visa

Visa

Amex Canada

Amex Canada

Benefits & Insurance

Select all options that must be available on the cards.

No Foreign Transaction Fees
Mobile Insurance
Travel Insurance
Emergency health, flight delay, baggage delay, etc.
Airport Lounge Access
Pass only. Each visit costs money.
Airport Lounge Access (4)
4 Free Visits
Airport Lounge Access (6)
6 Free Visits
Airport Lounge Access (10)
10 Free Visits
Airport Lounge Access (unlimited)
Unlimited Passes
Hotel Burglary Insurance
Theft of your items from hotel room
Priority Travel
Priority check-in, boarding, security, etc.
Concierge Service
Personal assistance for special occasions
Free First Checked Bag
Car Rental Insurance
Car Rental Discount
Global Wifi
Free Boingo Wi-Fi at over 1 million hotspots
Balance Protection
Covers when you can't make minimum payment
Roadside Service
Emergency road side assistance
Event Ticket Insurance
In cases of event cancellations
Save On Gas
Discount on select gas stations
Price Protection
Ensures lowest pricing of purchases
Purchase Protection
Replacement, repair or reimbursement for items
Extended Warranty
Extends manufacturer's warranty

Credit & Income Info

Credit Score

Personal Income

Disclaimer: The content provided on this website, including any credit card recommendations, is for informational and entertainment purposes only and does not constitute financial, legal, or tax advice. The owner and author(s) of this website are not financial, legal, or tax professionals. All views and opinions expressed herein are solely those of the author(s) and may not reflect the best choice for your unique situation. Always consult with a qualified professional before making any financial decisions. The owner and author(s) of this website shall not be held liable for any inaccuracies, errors, or omissions in the content or any resulting actions taken by readers.

All Credit Cards

Based on $0 average spending