Canada · calculator
Cross-border household card optimizer
Enter your Canadian and US spending by category to see which cards to use.
Your yearly spending
Assumptions. Uses Canadian cards from our data whose issuer states earn rates (cash back at face value, points at our stated values); US spending is converted to CAD at the rate above and pays the card’s stated foreign fee, 2.5% where the issuer does not state one. Each spending category goes on the best card of your chosen set; annual fees of every card used are subtracted. Welcome bonuses, caps and perks are not counted. Exhaustive search over the top 60 cards by base value.
General information, not financial advice. Program rules, ratios and fees change: confirm on the program’s or issuer’s own site before you transfer points or apply. Transfers are usually one-way and cannot be reversed.