Most tools ignore Canadian card spending caps. Wallet Fit tracks your monthly and annual limits, automatically shifting spend to the next-best card so you never leave rewards on the table.
Tap a popular Canadian store below or enter your monthly spend to see the highest-earning card, network rules, and exact dollar returns in real time.
Our engine doesn't just compare flat rates. It tracks annual caps, models point valuations, and dynamically reallocates your spend.
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.
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.
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.
Chat with Max, your personal AI strategist trained on 50+ Canadian cards and merchant network rules. Ask natural-language questions about complex multi-card combos, store payment loopholes, spending cap overflows, and point transfer valuations.
No spreadsheets, no guessing. Enter your data and let the algorithm work.
Select the credit cards you carry from our database of 50+ Canadian cards.
Add monthly expenses by category or sync transactions for real averages.
See which card to use for each expense, your total annual rewards, and wallet health score.
Optimize your Canadian credit card wallet for free. Upgrade to Pro for automated bank sync and Max AI strategist.
Everything you need to optimize your Canadian credit cards and stop leaving points on the table manually.
Less than 2 coffees per month ($7.99/mo) — automated Plaid bank sync that recovers an average of $540/yr in missed rewards. Cancel anytime.
Who this is not for
Wallet Fit is built for Canadian cardholders who carry multiple rewards cards and want to know which one to use at each merchant. If you use a single card for everything, or you're based outside Canada, the optimizer won't give you much signal. We cover Canadian-issued cards only — US cards like Chase Sapphire or Citi Double Cash are not in our database.
"We built Wallet Fit because US-first reward apps didn't understand Canadian credit card category caps, Aeroplan, or Scene+. Our recommendation algorithm is 100% mathematically neutral: cards are ranked purely by net dollar return for your budget, with zero sponsored placement or affiliate bias."
Practical guides written for how Canadian wallets actually work — AMEX acceptance, Aeroplan redemptions, and annual-fee math.
Deep-dive category breakdowns, MCC cheat sheets, and net return calculations written for smart Canadian spenders.
