Advertiser Disclosure

Some links on this site and in the app go to credit card issuers. If you apply for a card through one of those links and are approved, PointsMaxxing may be paid a commission. That is how we keep the app free.

The app picks the best card for a purchase by comparing published earn rates against your own spending. Whether an issuer pays us has no part in that calculation. A card that pays us nothing will still come out on top if it earns you the most, and a card that pays us will still lose if it doesn’t.

The rates and fees you see are the issuer’s published numbers, not ours. We don’t adjust them, hide them, or rank by what we earn.

We list the cards we have checked, not every card available in Canada. A card being missing doesn’t mean it’s a bad card. It may just mean we haven’t added it yet.

We check rates, fees and welcome offers against the issuer’s own site and date each one. Issuers change their terms often and sometimes quietly, so before you apply, confirm the details on the issuer’s page. They are the only authority on what a card pays.

Everything here is general information, not financial advice. We don’t know your finances, and whether a card suits you depends on things this site never sees.

Ask us anything about this through the support page.