CardCoach: Which Card to Use

You’re at the checkout. Which card should you tap? CardCoach answers that in about a second, and shows you the math behind the answer. Built in Canada, for Canadian cards and the reward values that actually apply here. WHETHER YOU CARRY SEVEN CARDS OR ONE • Several cards — CardCoach ranks them for the purchase in front of you and tells you which one earns most, and why it wins • One card — see exactly what it earns at this store, when a bonus category is about to run out, and when a loyalty program stacks on top of it • No card yet — add the ones you’re considering and compare what each would earn on the way you actually shop, before you apply for anything WE NEVER ASK FOR: • Your bank login. CardCoach does not connect to your bank. • Your credit card number. You pick your card from a list of Canadian cards. The last four digits are optional, and only ever shown back to you. • Your transaction feed. Nothing is pulled from your accounts. You log the purchases you want tracked, in a couple of taps. We only require an email address and a password, so your wallet and history follow you. That’s the whole of it. HOW IT WORKS 1. Create an account and add the cards you carry — or the ones you’re thinking about. 2. Tell CardCoach which store you’re standing in. 3. See the card that earns the most, and why it wins. WHAT YOU GET, FREE • The best card for the store you’re in, after comparing every card in your wallet — up to three on a free account • A plain-language breakdown: base earn, category bonus, spend caps, point value, foreign transaction fees • Points translated into estimated cash value at the valuation style you choose — Conservative, Realistic or Aggressive • Loyalty program stacking — see when Petro-Points, PC Optimum, Scene+, Aeroplan, Triangle and others stack on top of what your card already earns • Store search, for when you’re between two locations • Log a purchase in a couple of taps, then see estimated rewards over 7, 30, 90 days or year to date • Spend-cap tracking against the purchases you log • Perks and protections attached to the cards you hold • Foreign-currency purchases ranked with foreign transaction fees included • A clear tie-break when two cards earn the same, with the reasoning shown • Full English and French. Light and dark themes. • No ads, on any plan. CARDCOACH PRO • Unlimited cards — track every card in your wallet, not just three • Automatic location — CardCoach finds the store you’re standing in, instead of you choosing it • Lock screen widget — the best card for where you are, without opening the app • Receipt scanning — photograph a receipt and have the merchant, total and card filled in • Statement analysis — import a card statement and see what a year of that spending would have earned on a different card Statement analysis reads the file on your phone. The statement is never uploaded. CardCoach covers credit cards from 15 Canadian issuers: RBC, TD, CIBC, Scotiabank, BMO, American Express Canada, Desjardins, National Bank of Canada, Tangerine, Simplii, Neo Financial, MBNA, PC Financial, Rogers Bank and Canadian Tire. Issuer, card and loyalty program names are trademarks of their respective owners. CardCoach does not issue, administer or hold any rewards program, points balance or financial account. You can delete your account, and everything in it, from inside the app. Values shown are estimates based on published reward structures and the valuation you pick. They are not guaranteed. CardCoach is educational information, not financial advice. Canada only.