Make Every Purchase More Rewarding.
RewardIQ helps Canadians know exactly which credit card to use for every purchase, track rewards, and never miss valuable benefits again.
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Everything your rewards need. Nothing they don't.
Built around the way Canadians actually use credit cards — not the way spreadsheets think we do.
Smart Wallet↗
Keep all your credit cards organized in one secure place.
Best Card Wizard↗
Instantly know which card earns the most rewards for every purchase.
Welcome Tracker↗
Stay on track and never miss valuable welcome bonuses.
Goal Planner↗
Plan toward your next trip or rewards goal with personalized projections.
RewardIQ at every step
Store all your credit cards in one secure place.
Tell us about your spending across categories.
We analyze and show you the best card for any purchase.
Make your purchase with confidence.
Collect points, cashback, and exclusive bonuses.
We track your progress and help you stay on top of your rewards.
Turn points into flights, vacations, or cashback you'll love.
Stop wondering. Start knowing.
Reward IQ looks across your wallet and makes the decision for you. Less thinking at checkout. More rewards in your pocket.
Your bank stays your bank.
We help you maximize rewards — we never access your money.
- ✕Card number
- ✕Expiry date
- ✕CVV
- ✕Online banking login
- ✓Which credit cards you own
That's it! We use this to give you smart, personalised recommendations.
We analyze your cards and show you how to maximize rewards.
TD, Scotiabank, CIBC, RBC, American Express, BMO, MBNA — real Canadian reward structures, kept current.
Three steps to a smarter wallet.
Most Canadians carry two or three cards and use whichever one is on top. That habit quietly costs hundreds a year in missed rewards.
Add Your Cards
Tell us which credit cards you own. No card number, expiry date, CVV, or banking information required.
Share Your Spending
Share your spending so we can personalize your recommendations.
Get Smart Recommendation
Know exactly which card to use to earn the most rewards.