The Rewards page shows what your credit cards really earn. We match each card to the exact Canadian card, then go through every purchase with that card's earn rates, bonus categories, caps and foreign transaction fees.
Find Rewards in the sidebar. On a phone, tap More in the tab bar.
Get started
Bring in a credit card
Connect the card or upload a card statement. On an empty Rewards page, choose Connect a card or Upload a card statement.
Tell us which card it is
We usually recognise the card on our own. If we're not sure, Rewards asks Which card is this? Pick from our guesses or search every Canadian card. More on choosing your card.
Let us work it out
We read every purchase and work out what each one earned. The page fills in on its own, so there's no need to refresh.
Your Rewards wallet
Your cards sit in a wallet at the top of the page. When every card is pulled out together, the page below shows All cards. Tap a card, swipe, or use the arrows to pull out just that card and see its own details.
You're looking at | Sections |
|---|---|
All cards | Overview (totals, what needs a look, your cards, missed rewards, month by month, where your rewards come from) · Benefits · Points · Compare |
One card | Overview (what it earned and cost, caps right now, welcome bonus, month by month) · History · Benefits · Settings |
If only one card is in the period you're viewing, that card is the whole page and gets Points and Compare as well.
To change the wallet's look, the order of your cards or a note on a card, choose Customize wallet. Nothing is saved until you choose Save.
Periods: actual purchases, not guesses
Use Show to pick a period: this year to date, an earlier year, or All time. Every figure is what your purchases in that period actually earned.
When a year has months with no purchases (the rest of this year, for example), a switch appears that fills only those months with an estimate from your own spending, such as Estimate the 3 missing months. Actual months never change, and All time is never estimated. Picking a new period goes back to actual figures.
If our history for a card starts partway through a year, the card says which months aren't counted and offers Upload older statements or Add when you opened it.
On a computer, the period picker sits at the top of the page. On a phone, it's just below the wallet.
What the numbers mean
- Points or dollars: points cards lead with points. Switch to Dollars to see what they're worth, using your point values.
- Net of fees: what the rewards are worth, less the card fees charged in the period and any foreign transaction fees.
- Pending: purchases that haven't posted yet are shown beside the total, not in it.
- Caps: once a bonus category fills up, later purchases earn a lower rate. See how caps are tracked.
- Categories: rewards follow the categories you see across Finly Money. A purchase we couldn't place earns the base rate until you set what it counts as.
Rewards on your transactions
On Transactions, open any card purchase and choose Rewards to see what it earned and how we worked it out. You can also add the Reward rate, Rewards earned, Reward value and Reward category columns, and filter by Rewards. See columns and saved views.
Keeping it up to date
New purchases are worked out as they arrive. When you change something, like a purchase's category, its rewards show Calculating… and update a moment later.
To work everything out again, choose Recalculate all on Rewards, or open a card, go to Settings and choose Recalculate.
Don't want a card on Rewards? Open it, go to Settings and choose Stop tracking. Its transactions stay, and you can bring it back any time with Track again on Rewards.
Which plan includes it
The card rewards tracker is included with Grow and up. See what's in each plan.