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.
What are cash rebates?
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 rebates.
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
$
Net Annual Rewards
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.
What are cash rebates?
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 rebates.
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.
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
BMO
TD
CIBC
Scotiabank
American Express
Rogers Bank
MBNA
Simplii Financial™
Tangerine
KOHO
ATB
Home Trust
National Bank
Walmart
Neo
PC Financial
Brim Financial
Canadian Tire
Payment Networks
Select any payment network to only see their cards. By default all available networks are shown.
Mastercard
Visa
Amex Canada
Benefits & Insurance
Select all options that must be available on the cards.
Credit & Income Info
Credit Score
Excellent
760 and higher
Personal Income
$80,000 - $99,999
$100,000 - $149,999
Secured Cards
Secured cards are a great tool for building your credit history or rebuilding it after a bad setback. They require an upfront cash deposit for usage.