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How does YOUR credit card stack up to the Canadian market?

When you have the right credit card with the right rewards, your spending comes back to you! Use our rewards calculator to find out how much you can earn.

Use Our 5-Step Credit Card Rewards Calculator

Find out which rewards credit card in Canada is best for your spending habits

Incentives. Benefits. Rewards. From cash-back to points toward travel, gas or groceries – these offers suggest rewards credit cards can lead you to some big gains.

Let’s be real, who doesn’t want to jump at the chance of getting freebies? Even though all rewards credit cards seem enticing, it’s important to remember nothing in life comes for free.

But with so many options on the Canadian market, it can be hard to determine which credit card is the best for you. That’s there’s a tool that can help.

Whether you want a rewards card or you are simply interested in learning more about them,’s rewards calculator is a unique tool that will help you discover and compare the best rewards credit cards in Canada based on your personal spending habits. It’s easy-to-use and takes a few simple steps.

How to use’s credit card rewards calculator

Our convenient credit card rewards calculator is designed to show you which credit card loyalty program will make the most of your money. You’ll receive comprehensive – yet, easy-to-understand – results that are personalized to your individual spending habits. Don’t worry, your information is always confidential.

See which card is best suited to your financial habits. Here’s how to use our rewards calculator:

  1. Press start and choose your current credit card.
  2. Next, choose the kind of rewards you would like to receive. This will help us determine which credit cards would best suit your needs. Not sure what type of rewards you’re looking for? That’s okay too! Choose no preference and we will suggest options based on your upcoming answers.
  3. Use the sliders to indicate your annual income and monthly spending habits. If you’re not sure how much you spend on groceries, gas, travel and other items each month, refer back to your online backing account or credit card statements from the past four months. Add up your total spending from each category for each month and divide by four. That should give you the average amount you’ve spent over the last four months.
  4. Next, determine how much you can put toward your credit card debt each month. If you don’t know exactly how much you can afford to pay off, create a monthly budget for yourself that adds up to or is less than the total amount of money you take home each month. Your budget should include items such as groceries, transportation, living expenses, credit card debt repayment and entertainment.
  5. Now, it’s the moment you’ve been waiting for – your results. Based on your input, we compare your current credit card to the Canadian market average and leader. More specifically, the results put your current cards’ earnings – annual rewards and other benefits – side-by-side with leading competitors, so you can see if you can make your money work harder for you. We also offer recommendations on rewards cards that will suit your needs – you can even learn more about the cards and sign up, right then and there!

Sample Report: See How Much YOU Could Be Earning

Credit Card Rewards Success Stories

  • “I just signed up for a travel rewards card with an introductory bonus – enough for a flight home for the holidays.” Celine, Hamilton
  • “I’m a commuter with three kids, so I use my car a lot. When I switched to a gas card I was surprised by how much cash came back to me.” Dave, Calgary
  • “Now that I’ve switched, I get rewards every time I make a purchase, and I don’t have to pay an annual fee anymore.” Joseph, Winnipeg
  • “I use two different rewards cards: one for cash back and one for travel. I get the most amount of money back, no matter what I’m buying.” Kim, Montreal

Step One: Who provides your current credit card?

  • American Express BMO Bank of Montreal Home Trust Company KOHO MBNA National Bank PC Financial Royal Bank of Canada Scotiabank Tangerine TD Canada Trust Walmart Other

Step Two: Which card is yours?

Step Three: What kind of rewards would you like to receive?

Final Step: Let's talk about spending

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You could be earning a year!

Congratulations! You are already earning a year!

Your Card vs The Canadian Market

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