Compare cards takes the purchases you actually made on your credit cards and works out what every Canadian card we track would have earned on them, with each card's earn rates, caps, fees and your point values. Cards are ranked only by what your own spending would earn.
Open Compare cards
On Rewards, choose Compare cards (on a phone, it's just below the wallet). You can also get there from All cards > Compare > Open Compare cards, or from Missed rewards.
It needs a tracked card with purchases first. Until then, the page explains how to get started: connect a card or upload a card statement, then come back.
What you'll see
- The top: what your cards netted in the period, the most a change could add, and bars comparing your cards today, your cards used best each time, adding the best card, and one card for everything.
- Your cards: each card you hold, as you use it today, after its fee.
- Worth a look: a few standout cards, such as Best card to add, Best single card, Biggest first year and Best with no annual fee.
- Your banking: the banking packages that waive or rebate card fees. See annual fee waivers.
- Every card, on your spending: the full list, with search, sorting and Filters.
Two ways to compare
In Every card, on your spending, choose how to compare:
Lens | What it shows |
|---|---|
Add to my cards | What a card would add beside the cards you have. It takes only the purchases where it pays more than your best card, and its annual fee counts in full. |
One card for everything | What you'd net if all your spending went on that one card, against what your cards net today. |
Sort by Most for you, Best first year, Lowest annual fee or Most FinlyWealth cash back. Filters narrow the list by rewards type, annual fee and network, and can hide cards your income likely rules out.
Look at a card in full
Select any card to open its details: what it would mean for you beside your cards, on its own and in its first year, category by category against your cards, how your spending meets its welcome offer, then its rates and fees, who can get it, perks and terms, as published.
To compare up to three cards next to yours, tick them in the list, then choose Side by side.
Change the period and options
Use Show to pick the period, just like on Rewards. For a part of a year, annual fees count for that many months. Under Options, Value points as cash only values every card's points at statement-credit rates instead of travel, and if you have business cards you can switch between Personal cards and Business cards.
Applying for a card
You'll find a card's apply button when you open the card, under Worth a look and in Side by side. Apply now opens the card's application in a new tab, so your comparison stays where it was. Cards you already hold, and cards no longer offered, don't have one.
Some cards show Apply · $X back instead: a FinlyWealth rebate on top of what the card earns. It opens a short summary of how the rebate works and its terms. Tick I’ve read and understand the rebate terms and conditions, then choose Continue to the issuer to open the application. Not now closes it.