For many Canadians, a credit card is the ultimate shopping companion. Countless cards come with rewards programs that optimize common expenses, travel perks that upgrade every trip, and coverage that protects purchases, personal belongings, and more. The most important aspect of any card is that it caters to your financial lifestyle. But how do you find the best Canadian credit card for your spending habits?
Rather than going in blind and opting for whatever is offered by your bank, you can make use of credit card finding tools to filter, compare, and rank your top contenders. To uncover the top six tools to find the right credit card in Canada, keep reading.
FinlyWealth
The top tool to find the right credit card in Canada comes from FinlyWealth.
FinlyWealth’s credit card comparison tool was tediously crafted by its founders to offer the most accurate reward calculations for credit cards. The tool uses a comprehensive algorithm to calculate your top credit card picks based on your unique spending habits, backed by tons of blog content and credit card reviews.
To jumpstart this process, users can either link their bank account to sync up spending patterns, or manually input how much they spend on common categories each month.
Calculator categories include:
- Food
- Groceries
- Gas
- Transportation
- Recurring Purchases
- Travel and more
What makes these filters stand out is the fact that FinlyWealth allows you to edit details and provide a more in-depth look at where you’re spending your money in each category. For example, in the grocery tab, you can input how much you spend on groceries at specific retailers like Costco, Sobeys, Loblaws, Walmart, Whole Foods, and more. This feature is important because while there are many cards that optimize grocery purchases, not all retailers are coded as an eligible grocery merchant for select cards. For example, only Mastercard tends to code Walmart grocery purchases as “groceries.” Additionally, Mastercard is the only card network accepted at Costco. In short, many competing comparison tools overlook these nuances, and while many other tools allow you to input your grocery spending, few allow you to go into such detail.
Beyond spending categories, FinlyWealth’s Canadian credit card comparison tool also allows you to provide credit card preferences, like whether you prefer cashback or points, annual fee or no fee cards, or even if you’re strictly looking for options with rebates.
To break things down even further, users can input their credit and income information, preferred institutions or payment networks, and any coverage or benefits they’d like featured on the card.
In addition to using the credit card comparison tool, users can also take advantage of FinlyWealth’s Credit Card Recommendation Quiz, offering knowledgeable results in just minutes.
The best part? FinlyWealth’s tools are free and easy to use — no subscription or log in necessary.
Kevin Shahnazari, financial expert and founder of FinlyWealth, explains why selecting a complementary credit card is so important for Canadians: “Not using the right credit card costs the average Canadian around $800 a year in missed rewards and benefits, while larger families can lose over $1,500 annually.” He further emphasizes how easy it is to miss out on a high-value card. “With so many credit card options available, each offering different perks, categories, and point systems, most people end up leaving money on the table without realizing it.” To remedy this issue, Shahnazari concludes, “Taking the time to review and optimize your credit cards every once in a while is one of the simplest ways to make your spending work harder for you.”
Ultimately, that’s where FinlyWealth’s credit card comparison tool comes in, narrowing the search so Canadians can extract the most value out of their expenses, leaving nothing behind.
Hardbacon
Hardbacon also hones in on where users spend their money to generate results. Their credit card comparison tool incorporates filters for:
- Province
- Network preference
- Card type preference
- User type (business, personal, student etc.)
- Special features (no annual fee, long interest-free periods, guaranteed approval etc.)
- Currency
- Credit score
- Insurance
- Institution
- And, of course, expense categories
Still, while Hardbacon provides expense categories like groceries, gas, dining, vacations, and more, they don’t break down these categories individually, like FinlyWealth. Additionally, users are unable to link their bank account for optimized rankings.
Regardless, with a catalog of over 150 cards and decent search tools, Hardbacon is a good secondary or starting point for Canadians in search of their next credit card.
To support your search, Hardbacon also boasts a credit card menu that incorporates tons of blog content.
Smartcanucks
Smartcanucks provides a variety of filters in their credit card comparison tool as well. In addition to asking for your preferred bank, network, and sorting method, their calculator filters for:
- Preferred rewards
- Fee structures
- Card tiers
- Card type
- Special features (think best for low interest, foreign currency, balance transfers and more)
While the above categories are useful, this tool lacks expense categories, an extremely important determinant.
Smartcanucks also only features a catalogue of 95 credit cards, which is lower than other competitors on this list.
Again, while Smartcancucks might be a good place to start your credit card search, the most accurate results come from comparison tools from platforms like FinlyWealth.
Money.ca
Money.ca also includes a credit card comparison tool that compares over 140 credit cards in Canada.
To generate results, this tool asks for:
- Your credit score
- Card type preference
- Issuer preference
- Your income
- A maximum annual fee
- Network preference
While the card type filter kind of covers spender profiles, the addition of expense categories, where you can input monthly spending values, would be very beneficial, as seen on competitor sites.
That said, Money.ca’s credit card comparison tool is supported by other resources like credit card guides and best credit card pages that compile card lists, card reviews, card benefits, and more.
Still, Money.ca has built a thorough unbiased scoring system for Canadians to sift through, making it a great supplementary tool to more comprehensive credit card comparison tools, like FinlyWealth.
Milesopedia
Milesopedia allows users to compare credit cards with a questionnaire-style generator.
First, visitors are asked whether they want a rewards credit card or a low-interest credit card. Follow-up questions depend on which card type you choose. For example, if you chose Rewards, you’ll then be asked what kind of rewards you’d like to collect: cashback, travel, or all. After this, you have to provide your income, followed by how much you spend on your card per month. Finally, hit “see results” to generate your lineup of top contenders.
You can also make use of the filters below this questionnaire, which asks you for personal information and card preferences.
Of course, this tool could benefit from an expense category to really narrow down ideal cards based on spending habits, something we see done most extensively by FinlyWealth. However, the site’s blog content bulks up the user experience and adds guidance for curious card hunters.
Insureye
Insureye offers two credit card comparison tools to match Canadians with their ideal contender: the Travel and Insurance tool and the Rewards and Value tool.
The Travel and Insurance tool compares 20 credit card features, including coverage, rates, purchase security, and warranty. The tool also offers a closer look into each benefit and insurance category, breaking down values, limitations, and exclusions.
To use this tool, you need to sign up for a free Credit Card Navigator trial, making the platform less accessible upfront.
The Rewards and Value tool compares credit cards based on the value of their rewards, their fees, and interest. The goal of this tool is to help Canadians understand which card saves them the most money at the end of the month.
As of now, Insureye’s Rewards and Value tool links out to Ratehub. Ratehub provides a CardFinder tool that prompts users to fill out a questionnaire that asks about your preferred reward type, how much you spend in a typical month, which coverage and benefit features are important to you, and your eligibility (such as your credit score and income). After you input all of the above information, the tool lists your top contenders.
While this tool is certainly helpful, it merely asks for monthly spending estimates rather than exact spending amounts and it doesn’t ask about categorical spending at all.
Overall, Insureye’s featured credit card comparison tools offer a good starting point, but they aren’t nearly as comprehensive as FinlyWealth.
The Verdict
While all featured credit card finder tools provide Canadians with insightful credit card options based on a variety of filters, no one does it quite like FinlyWealth.
FinlyWealth tops this list on account of its accuracy, using the most comprehensive reward filters to generate personalized results based on daily spending habits. To streamline this process, users can also link their bank account to rank their top picks.
The runner-ups on this list still offer a good resource for Canadians seeking their ideal credit card and can be used in conjunction with FinlyWealth.
At the end of the day, however, if you had to pick just one credit card comparison tool out of the six featured on this list, the choice is obvious.
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