Canadian Credit Card Optimization Hub
Maximize your daily rewards, master Canadian point ecosystems (Aeroplan, Amex Membership Rewards, Scene+, Avion), and build an optimized multi-card portfolio tailored for Canadian cardholders.
Step-by-Step Optimization Guides
Rewards Card Deep Dive: Earning Architecture
A behind-the-scenes breakdown of MCC matching, third-party routing, and redemption mechanics that explain why two merchants earn differently.
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Rewards Card Deep Dive: Cap-Aware Swaps
Master the cap-aware swap loop to model true net value, dynamically switch cards when limits hit, and avoid spreadsheet churn.
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Rewards Card Deep Dive: Cap-Aware Routing
Explore the hidden routing logic, merchant rule matching, and real-time cap awareness that powers multi-card optimization.
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Rewards Card Deep Dive: Earn, Caps & Redeem
Connect merchant classification to cap rules and intentional point redemptions through an automated 8-step decision loop.
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Rewards Card Deep Dive: Real Return
Unpack the hidden rewards anatomy that determines your true blended return after category caps, rules, and redemption friction.
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How to Maximize Your Rewards with Wallet Fit
A step-by-step user guide to building your wallet, syncing transactions with Plaid, and understanding your Wallet Score.
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Demystifying the Wallet Score
A deep dive into how your Wallet Score is calculated, common rewards-leakage triggers, and how to raise it above 90.
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Beating Spending Caps & Fallbacks
Learn how credit card category caps restrict your rewards in Canada, how to set up secondary fallback cards, and the exact rules for switching.
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Cash Back vs. Travel Points
Compare direct cashback returns with travel reward programs in Canada. Learn how to value points and achieve outsized redemptions.
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AMEX Cobalt Optimization Guide
A deep-dive analysis of Canada's best credit card. Learn how to maximize the 5x food multiplier, manage monthly caps, and value travel transfers.
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Aeroplan Points Maximization Guide
Learn how to get the most out of your Air Canada Aeroplan points. Covers airline partner networks, stopover strategies, and card combos.
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Wallet Fit vs GoRewards
An honest comparison of cap-aware auto-shifting vs static card rules for Canadian cardholders.
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Wallet Fit vs PointBagel
Compare automated Plaid bank sync, Wallet Health scores, and scannable card maps against PointBagel.
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Wallet Fit vs Churnr
Compare free core features, net return calculators, and category cap tracking against Churnr.
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