CardPicker
Build a credit card plan around the value you can actually use.
CardPicker estimates the incremental value of Canadian welcome offers, schedules them around your organic spending and issuer rules, and keeps the deadlines in one place. Every estimate shows its assumptions, and every offer still needs a final check with the issuer.
No passwords, no spam. We email you a sign-in link.
Compare incremental value
Welcome bonuses and rewards above a conservative 1% alternative, less the first-year fee. Point values are estimates, and situational perks stay separate from the headline number.
Issuer rules, encoded
Published requirements, Quebec availability, and income thresholds are combined with clearly labelled community-reported cooldown patterns. Approval and bonus eligibility always remain the issuer's decision.
Optimize large purchases
A car, renovation, dental bill, tax payment, or trip can create legitimate spending capacity. CardPicker schedules only against spending you already expect to make.
Every card and dollar, tracked
One dashboard identifies the next useful action, with minimum-spend progress, reminders, annual-fee dates, and a calendar feed behind it.
Every offer shows when it was last verified. No bank linking — your data stays yours, and you can delete your account (and everything with it) any time.