Card rewards
See what your credit cards earn, track caps and benefits, and compare cards.
9 articles
A purchase earned the wrong reward. How do I fix it?
Open the purchase on Transactions and choose Rewards. Pick what it should earn under in Counts as (tick Always for the merchant to fix every purchase there), mark it as not earning or foreign, or type the figure your statement shows.
How are my points valued?
Each point is valued in cents, from the loyalty program's redemption table by default. You can set your own value for any program, and it's used for every dollar figure in Finly Money.
How are reward caps tracked?
Open a card on Rewards to see Caps right now: how full each bonus cap is, what still earns the bonus rate and when it resets. Once a cap fills, we show who filled it and which later purchases earned a lower rate.
How do annual fee waivers work?
Some cards' annual fees are waived or rebated if you have a qualifying banking package or meet another condition. Answer the question on the card's Overview, or let your connected accounts show it, and your fees and net rewards follow.
How do I compare credit cards?
Choose Compare cards on Rewards. It replays your own card spending on every Canadian card we track, so you can see what your cards net, the cards worth a look, and every card ranked by what your spending would earn.
How do I track card benefits and credits?
On Rewards, open Benefits for all your cards or for one card. Start tracking a perk from the card's list or add your own, then choose Record a use each time you use a credit or lounge visit. We show what's left and when it resets.
How do I track my points balance?
On Rewards, open All cards and choose Points. Each loyalty program has one balance built from the points your purchases earned. Record redemptions and transfers as you make them, and enter the balance your app shows to keep it exact.
How does the card rewards tracker work?
Rewards works out the points or cash back every credit card purchase earned, using each card's published earn rates, bonus categories and caps. See it card by card or all together, for a year or all time. Included with Grow and up.
What are missed rewards?
A missed reward is a purchase where another of your own cards would have earned noticeably more. See the total under Missed rewards on Rewards, or find those purchases on Transactions with the Another card pays more filter or the Better card column.
Still need help?
Our team answers every request, usually within 1–2 business days.