Find the credit card that rewards how you actually spend.

Compare Canadian credit cards using your real monthly spending. ClearFin does the math across fees, reward rates, income requirements, and credit eligibility.

Free to use No signup required About 30 seconds
120+Canadian cards compared
19Issuers covered
IndependentRecommendations built around your spending
02 / Calculator
Live calculator · Built for Canada

See what your spending
could earn.

Tell us how you spend and we'll rank eligible Canadian cards by estimated annual rewards after fees. Your assumptions stay visible.

7 quick questionsNo signupNo card numbers
Scroll · See cards
03 / Top Picks
ClearFin editor's shortlist

Six standouts. One for every way you spend.

A concise starting point across Canada's most common reward priorities. Tap any card to review its highlights, then use your profile for a personalized ranking.

Independently compared120+ Canadian cards reviewedRates and offers can change
Explore all Canadian credit cardsView all 100+ cards
04 / Compare Cards
Side-by-side card analysis

Which card puts more back in your wallet?

Choose two cards and ClearFin will calculate the stronger fit for your spending. We include annual fees and show exactly where each card earns more.

Scotia Gold Amex
vs
National Bank World Elite Mastercard
01
🛒 Best Grocery Card

Scotia Gold Amex

Scotiabank
Scotia Gold Amex
Estimated net value$702per year after fees

Gross $822 fee $120

Apply at ScotiabankView full detailsIssuer terms apply · ClearFin is independent
02
🛒 Grocery & Dining

National Bank World Elite Mastercard

National Bank
National Bank World Elite Mastercard
Estimated net value$618per year after fees

Gross $768 fee $150

Apply at National BankView full detailsIssuer terms apply · ClearFin is independent

Points and miles are shown as estimated cash value using publicly available reward rates. Actual rewards may vary · ClearFin is independent of card issuers · View our methodology

05 / Coming Soon
ClearFin mobile · Private preview

Know the best card
before you tap.

One private view of your cards, rewards, bills, and everyday opportunities—built to help you make a better decision before and after every purchase.

01
Best-card guidanceKnow which card could earn more at the merchant you're visiting.
02
Reward trackingSee estimated earnings across every card in one place.
03
Quiet remindersStay ahead of bills, subscriptions, and utilization without the noise.
Request early access
No card numbersRead-only by designCanada first
ClearFinPRIVATE BETA
Good morningYour wallet is working smarter.
Estimated rewards this year$1,284+$218 optimized with ClearFin
SMART GUIDANCENow
Shopping at Sobeys?
Use Scotia Gold Amex
Estimated +$3.40 more on this purchase
Next payment$842Amex · in 6 days
Utilization18%Healthy range
You're all caught up
No payments or subscriptions need attention.
Cards tracked3One clear view
This month+$46estimated extra rewards

Stop leaving
rewards on the table.

Join the waitlist. Early access drops in waves — Calgary first, then nationally. No spam. Just one email when it's your turn.

No credit card required · Built in 🇨🇦

121 cards · 19 issuers · one independent view

One catalogue. Canada's leading card issuers.

Compare cards across the institutions Canadians already know—without opening nineteen different websites.

  • American Express
  • Scotiabank
  • TD
  • RBC
  • BMO
  • CIBC
  • National Bank
  • Desjardins
  • MBNA
  • PC Financial
  • Wealthsimple
  • Tangerine
  • Simplii
  • Rogers Bank
  • Canadian Tire Bank
  • ATB Financial
  • Neo Financial
  • Brim Financial
  • Capital One

ClearFin compares independently—it is not a bank partnership. When you choose Apply, some application journeys continue through FinlyWealth or directly to the issuing institution.