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149 Canadian cards · issuer-verified

You have the cards.
We have the answer.

CardCoach shows what every card in your wallet earns on the purchase in front of you, in real dollars, so the right choice is obvious. No bank login. Built for Canadian wallets.

Get the app Use it on the web
Your wallet, ranked for this purchase Points card earns the most here Metro · groceries · $100
$5.00 vs $4.00 next best
CardCoach Now screen: Use your top-pick card, value per $100

Three cards in your wallet. What do they earn right now?

Flat-rate card
•••• 7710$2.00
Cash back card
•••• 8014$4.00
Top pick · $5.00 per $100
Points card •••• 4242

Three steps. No spreadsheet.

See the full method →
Step 1

Add your cards

Pick from a list of Canadian credit cards. No bank login, no credentials.

Step 2

Tell us where you're shopping

We'll look at the merchant categories, earn rates, bonuses, stackable offers, caps and point values for the cards in your wallet.

Step 3
Use your Points card Top pick
Points card $5.00
Cash back $4.00
Flat-rate $2.00

Get the right card, instantly

At checkout, every card in your wallet is scored for that purchase. You see the winner in dollars, with the math one tap away.

Which card for this purchase?

Use it on the web →
What are you buying?
Purchase amount $100
Sample wallet · 3 cards
Points card Cash back card Flat-rate card Add card
Use this one Top pick
Points card •••• 4242
Value on $100 $5.00

5 points per dollar on groceries · valued at 1¢/point

Cash back card$4.00
Flat-rate card$2.00

A sample wallet. Add your own cards on the web or in the app — free to start.

Real math, not headline multipliers.

A 5× card is not always the best card. CardCoach weighs base earn rates, category bonuses, caps, point valuations and exclusions, then shows the answer in dollars. If we can't verify a card's rules, we leave it out rather than guess.

See exactly how it works →
149 Canadian cards across 16 issuers
≤35 days Every scoreable card re-verified
0 Bank logins asked for, ever
Pro

CardCoach Pro

Everything in CardCoach, plus the parts that do the work for you.

Receipt scanning

Photograph a receipt and the store, total and card are filled in for you. Your rewards history builds itself, and every cap stays accurate.

From your receipt
StoreMETRO #322 QUEEN ST E
Total$86.41CAD
Card•••• 4242

Statement analysis

Add a statement and CardCoach replays it card by card, showing which one would have earned the most.

Last month, left on the table
$23.60

Finds the store for you

Open CardCoach and it already knows where you are. The answer is on screen before you reach the till.

Metro Wrong?

Lock screen widget

Your best card for where you're standing, without unlocking your phone.

Metro · groceries
Points card
5× pts

Unlimited cards

Track every card in your wallet. Free accounts hold up to three.

Best value

Pro · yearly

Includes a free trial
$59.99
a year · $5.00 a month
Unlimited cards
Finds the store for you
Receipt scanning
Statement analysis
Lock screen widget
Start free trial
Cancel any time in the App Store or Google Play.

Pro · monthly

Same features, month to month
$7.99
a month

Free

Up to 3 cards · recommendations · history
$0

Nothing you use for free today is taken away. Prices in CAD, set in the app stores.

Free to start · iPhone and web today, Android soon

The right card.
Every time.

Add your cards once. From then on, CardCoach answers the only question that matters at the till.

Download on the App Store Use it in your browser app.cardcoach.ca Coming to Google Play · soon
No bank login Canada only English and French