CardIQ — Find Your Best Canadian Credit Card

Profile

Spending

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Step 1 of 2

Let's find your perfect card

Tell us your preferences so we can filter cards you're actually eligible for.

Annual fee limit

Maximum Annual Fee You're Willing to PayiCards with higher fees often offer more rewards. Set to 0 for no-fee cards only, or 999 to see all cards.

Enter 0 for no-fee cards only. Enter 999 to see all cards.

Card type

Only show student-friendly cards

My wallet — optional

Card I currently useiSelect your existing card to see how much more you could earn by switching to our top pick. We'll show a side-by-side comparison on the results screen.

Step 2 of 2

How do you spend each month?

We'll calculate your real dollar return for every eligible card.

Quick-fill profile

Monthly spending

Entertainment Spending (Monthly $)iMonthly spending on concerts, movies, sports events, and streaming subscriptions.

Grocery Spending (Monthly $)iMonthly spending at grocery stores and supermarkets.

Dining Spending (Monthly $)iMonthly spending at restaurants, cafés, bars, and food delivery apps.

Travel Spending (Monthly $)iMonthly spending on flights, hotels, car rentals, and vacation packages.

Gas Spending (Monthly $)iMonthly spending at gas stations and EV charging.

Recurring Bills Spending (Monthly $)iMonthly spending on phone, internet, utilities, and other regular subscriptions.

Online Shopping Spending (Monthly $)iMonthly spending through online retailers like Amazon, Walmart.ca, and other e-commerce sites.

Financial profile

Your Credit ScoreiUsed to filter cards you're likely to be approved for. Most premium cards require 660+.

Foreign Spending (Annual $)iTotal amount spent in foreign currencies or outside Canada per year — e.g. on US websites or while travelling.

Your Annual Personal Income ($)iYour gross annual personal income before taxes. Used to check card eligibility requirements.

Your Annual Household Income ($)iTotal gross annual income of all adults in your household. Some cards accept this instead of personal income.

How Long You Carry a Balance (Months)iHow many months per year you don't fully pay off your balance. More months = higher interest costs deducted from your score.

Average Credit Card Balance ($)iYour typical unpaid balance on the months you carry one. Used to estimate monthly interest charges.

Travel habits

Trips per Year (Plane)iNumber of return trips by plane per year. Used to assess the value of travel insurance perks.

Lounge Visits per YeariAirport lounge visits you expect per year. Each visit is valued at $45 in our model.

Card preferences

Card network preferenceiVisa and Mastercard are accepted almost everywhere. Amex may be declined at some grocery stores, restaurants, and small businesses.

How do you feel about travel insurance?iTravel insurance covers trip cancellation, medical emergencies abroad, and lost or delayed baggage.

How do you feel about purchase protection?iCovers new purchases against theft or accidental damage, typically for 90 days after purchase.

How do you feel about extended warranty?iDoubles the manufacturer's warranty on eligible purchases — especially useful for electronics and appliances.

Your Top Cards

No cards matched your criteria

Try raising your annual fee limit, adjusting your credit score, or relaxing your insurance requirements.