Instantly find which of your credit cards earns the most rewards for any purchase. 410+ Canadian cards compared.
Try the Calculator Free →Select what you're buying — groceries, gas, dining, travel, or any of 15+ spending categories.
Type in how much you're spending. Could be a single purchase or your monthly budget for that category.
Instantly see which cards earn the most — ranked by cashback value, with the winner highlighted.
Here's what different cards earn on a $200 grocery trip:
That's $6/trip more just by using the right card. Over a year: $312 extra.
Rewardly doesn't just calculate rewards — it helps you make smarter decisions about your entire credit card strategy:
Yes, completely free. No account required — you can use it as a guest. Create a free account to save your card portfolio and get personalized recommendations.
410+ cards from all major banks (TD, RBC, BMO, CIBC, Scotiabank), Amex Canada, and emerging issuers like Neo, Brim, KOHO, Tangerine, and Wealthsimple.
We verify reward rates against official bank websites. Rates are checked regularly and updated when banks make changes. Last verified: February 2026.
Yes — create a free account and add your cards. The calculator will then only show results for cards you actually have, making recommendations even more relevant.
Find out how much you're missing with the wrong card — in 30 seconds.
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