Credit card rewards calculator 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.
What the calculator actually does
Your best card depends on the mix of your spending, not one advertised reward rate.
ClearFin starts with five monthly spending categories: dining, groceries, gas, travel and other purchases. It then uses your approximate personal and household income to avoid presenting every card as equally realistic when an issuer publishes an income requirement.
The calculator estimates how much each card could earn across those categories over a year and subtracts the annual fee. That creates an estimated net annual value you can use as a starting point when comparing cards with very different fee structures and reward programs.
The calculation is an estimate, not a promise of rewards or approval. Merchant category coding, reward caps, point valuations, redemption choices and issuer terms can change the final result. ClearFin does not use estimated credit-score ranges as hard approval cutoffs; the card issuer makes the actual approval decision.