Every expense.
The right card.

Wallet Fit uses cap-aware math to match every dollar you spend to the Canadian credit card that earns the most back — across Aeroplan, AMEX MR, cash back, and more.

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50+ Canadian cards Cap-aware engine SOC2 Plaid security
Features

Smarter rewards, zero guesswork

Our engine doesn't just compare flat rates. It tracks annual caps, models point valuations, and dynamically reallocates your spend.

Intelligence

Cap-Aware Optimization

Many premium cards cap their best multipliers. Our algorithm monitors your yearly spend and shifts purchases to the next-best card the moment a cap is hit.

Cap-Aware Credit Card Rewards Optimization Illustration
Automation

Bank Sync & Wallet Health

Connect through Plaid to import transactions automatically. A single score tells you how well your wallet is optimized — track improvements as real data flows in.

Bank Synchronization and Wallet Health Score Illustration
Precision

Custom Valuations & Upgrade Signals

Set your own value for AMEX MR, Aeroplan, and Scene+ to see accurate dollar returns. We show which cards would earn more — with the difference calculated, not guessed.

Credit Card Upgrade Signals and Reward Comparisons Illustration
How It Works

Three steps to a smarter wallet

No spreadsheets, no guessing. Enter your data and let the algorithm work.

Add Your Cards

Select the credit cards you carry from our database of 50+ Canadian cards.

Enter Your Spend

Add monthly expenses by category or sync transactions for real averages.

Get Your Card Map

See which card to use for each expense, your total annual rewards, and wallet health score.

FAQ

Common questions

How do I choose between travel points and cash back?
Travel points (like Aeroplan or AMEX Membership Rewards) generally offer higher maximum value when redeemed for flights or hotels, often yielding 1.5 to 2.0+ cents per point. Cash back is simpler, offering a guaranteed 1:1 dollar value but with lower upside. If you travel at least once a year, points usually win; otherwise, cash back is the safer bet.
What is the best credit card for groceries in Canada?
For stores that accept American Express (Sobeys, Safeway, Metro, local grocers), the AMEX Cobalt leads with 5x points per dollar. For stores that don't accept AMEX (Loblaws, Real Canadian Superstore, No Frills), Visa or Mastercard options like the CIBC Dividend Visa Infinite (4% cash back) or the PC Financial World Elite Mastercard are excellent alternatives.
How does Plaid secure my banking details?
Plaid is a SOC2-compliant network that connects your bank accounts without sharing your credentials. You log in directly through Plaid's secure overlay. Wallet Fit only receives a read-only token to retrieve transactions and card names — we never see or store your passwords.
Is Wallet Fit free to use?
Yes. The core optimizer — adding cards, entering expenses, and receiving card recommendations — is completely free. We offer an optional Pro tier for advanced features like unlimited bank connections, extended spending history, and CSV exports.
What Canadian cards does Wallet Fit support?
We maintain a database of 50+ cards from major Canadian issuers including AMEX, CIBC, RBC, Scotiabank, TD, BMO, Capital One, Rogers, Tangerine, Neo Financial, PC Financial, and more. Each card is modeled with its full reward structure, category multipliers, caps, and annual fees.

Ready to maximize your rewards?

Join Canadians who are getting more from every swipe.

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