Rewards Calculator Algorithm

This calculator analyzes each credit card's specific reward structure, including bonus categories, earning rates, annual caps, and promotional periods. It factors in all terms and conditions to provide the most accurate reward calculations based on your spending patterns.

Your Spending

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

Food (Restaurants, Bars, Delivery, Cafes, etc.)

$

Grocery

$

Recurring Purchases (Rent, bills or taxes via Chexy, Subscriptions, etc.)

$

Gas

$

Transportation

$

Entertainment (Movies, Concerts, etc.)

$

Foreign Purchases (Non $CAD)

$

Travel (Flights, Hotels, etc.)

$

Pharmacy

$

Online Shopping

$

Home Improvement (Renovation, Furniture)

$

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

$

All Other Spending

$

Linked Credit Cards

Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.

Create new connections

Institutions

Credit Card Preferences

Reward Type

Points Redemption Type

Annual Fee

Special Rebates

Subscription Bonuses

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