Built for real life.
We are Canadians who ran into the same credit-card decisions everyone else does — and wanted a clearer way to compare them.
Why we built this
Credit card rewards are useful only when people can understand them. Earn rates change by merchant category, annual fees can erase part of the return, and the strongest card for one household can be a poor fit for another.
We built ClearFin to make those trade-offs easier to see. Instead of starting with a headline welcome offer or one advertised multiplier, ClearFin starts with how you actually spend and estimates the annual value after card fees.
The goal is simple: make the assumptions visible, keep the underlying card information traceable, and give Canadians a clearer starting point before they apply.
What is available today
ClearFin Web is available now. The calculator and side-by-side comparison tools are free to use and cover 120 active Canadian credit cards across 19 issuers. No signup or card number is required to run a comparison.
We are also developing the ClearFin mobile app, with features planned around card organization, reward guidance, bill reminders, and easier day-to-day card decisions. The mobile product is separate from the tools already live on this website.
How we handle card information
We use issuer information, product pages, benefit guides, insurance certificates, and other primary sources where available. Card terms can change, so detail pages show source and review information when we have it, and we encourage users to confirm current issuer terms before applying.
If you spot something that looks outdated or incorrect, email us at info@clearfin.ca. Corrections are part of maintaining the catalogue, not an afterthought.
The team
Independence and how we make money
ClearFin is not a bank, credit card issuer, or payment network. Comparisons use publicly available card terms and ClearFin's calculation methodology.
Some “Apply” links are affiliate links. ClearFin may earn a commission if you are approved for a card through one, at no extra cost to you. Affiliate compensation does not change a card's calculated value or its position in calculator results. The homepage Featured carousel is a separate commercial selection: affiliate compensation can influence which cards appear and their order. Read the full site disclosures.
Contact
Questions, corrections, or feedback — reach us at info@clearfin.ca.