C CardWise
50+ Canadian cards · Updated 2026

The smartest way
to pick your
next credit card.

Stop reading endless review blogs. CardWise asks five quick questions about your spending, goals, and credit — then scores every Canadian credit card so you can pick with confidence.

See how it works ↓
50+
Cards compared
5
Quick questions
~60s
To your match
$0
No sign-up needed
Visa
•••• •••• •••• 5734
CardWise Signature
Best match
Mastercard
•••• •••• •••• 2918
Daily Cashback
Runner-up
Amex
•••• •••• •••• 8451
Travel Elite
Strong pick
Cards from
RBCTD BankBMOScotiabankCIBC National BankAmerican ExpressTangerineSimplii Neo FinancialBrimRogers BankPC Financial Canadian TireHome TrustDesjardins RBCTD BankBMOScotiabankCIBC National BankAmerican ExpressTangerineSimplii Neo FinancialBrimRogers BankPC Financial Canadian TireHome TrustDesjardins
How it works

Built for real Canadian spending.

No affiliate-driven rankings. We score every card on five things that actually matter.

01

Tell us your goal

Cashback, travel points, low interest, building credit, no fee, or a student card — pick what matters.

02

Share your spend

How much you spend per month and where — groceries, gas, dining, travel, online, bills.

03

Get your match

Our scoring engine ranks 50+ cards. Top 5 with reasoning, a comparison table, and a 100-point match score.

Card finder

Five quick questions.
One perfect card.

Step 1 of 5

What's the main thing you want from a card?

Pick the goal that matters most — we'll factor in everything else after.

How much do you spend each month?

Roughly — across everything you'd put on a credit card.

$1,500
monthly spending
$300$3,000$10,000+

Where does most of your money go?

Pick 2–3 categories. The more accurate, the better your match.

Selected: 0 categories

What annual fee feels right?

Higher-fee cards often pay back many times over if your spend matches.

What's your credit score range?

We'll only recommend cards you're likely to be approved for.

FAQ

Questions, answered.

Is CardWise free? Do you take affiliate kickbacks?
CardWise is 100% free. There are no affiliate links and no card-issuer relationships. Recommendations are based purely on a transparent scoring engine that weighs your goal, spending, fee tolerance, and credit profile.
How does the scoring engine work?
Each card earns up to 100 points: 40 for goal alignment, 25 for category overlap with your spending, 15 for annual fee fit, 15 for credit eligibility, and 5 for spend-to-fee value. Cards you can't qualify for are penalized so they don't dominate your top picks.
Are the rates and fees current?
CardWise reflects publicly available rates and terms but credit card details change often. Always confirm the current annual fee, interest rate, welcome bonus, and eligibility on the issuer's site before applying.
Do you store my answers or credit info?
No. CardWise runs entirely in your browser. Nothing is sent to a server, no account is required, and your answers vanish when you close the tab.
Which cards are included?
All major Canadian issuers: RBC, TD, BMO, Scotiabank, CIBC, National Bank, American Express Canada, Tangerine, Simplii, Neo, Brim, PC Financial, Rogers, Canadian Tire, Home Trust, Desjardins, Meridian, Vancity, and Servus — across cashback, travel, low-interest, no-fee, secured, and student categories.
Is this financial advice?
No. CardWise is an educational tool that helps you compare cards. For personalized financial advice, consult a licensed advisor. Always read a card's full terms and conditions before applying.