The tool that automatically picks the right card, tracks your bonuses and promos, and maximizes your reward points: Cobalt, Aeroplan, Scene+, WS and more.
Free forever · No card required
Cycle spending
$2,847
Utilization
42%
Points earned
8,542
Active promos
2
Scotia
Passport Visa Infinite
American Express
Aeroplan
CSV and PDF import: Amex, Scotia, TD and RBC detected automatically, generic import for the rest. Over 25 cards catalogued with their exact multipliers.
You juggle multiple cards without knowing which one to use
You manually calculate category multipliers
You miss welcome bonus deadlines
You have no visibility on your credit utilization
All your cards, cycle spending, utilization and limits at a glance. No more switching between banking apps.
Cardly knows each card's multipliers by spending category. Every transaction is calculated automatically.
Progress bar on your spending goals. Know exactly how much is left to spend and by when.
CSV statements, PDFs or receipt photos. AI extracts amounts automatically.
Cards from major Canadian banks with up-to-date multipliers and perks. Not an adapted American tool.
Full dashboard, CSV import, no credit card required. Upgrade to Pro when you're ready.
Manual import (CSV/PDF) or secure bank connection (Plaid, Pro plan). You choose. Encrypted end-to-end, Quebec Law 25 compliant.
Start free. Upgrade to Pro when you're ready.
All the manual tracking: cards, points, catalogue, credit score.
Bank connection, AI assistant and weekly report.
Full money-back guarantee within 7 days, no questions asked.
Yes. The Free plan is free forever: unlimited cards, full dashboard, CSV and PDF imports, credit score. No trial, no card required.
Create your account in 30 seconds. It's free.
Start for freeFree forever · No card required