Cobalt
23,422 pts
Passport
8,542 pts
The tool that automatically picks the right card, tracks your bonuses and promos, and maximizes your reward points: Cobalt, Aeroplan, Scene+, WS and more.
7 days free · Then $1.99/month · Cancel anytime
CSV, PDF or a photo of the receipt. AI reads the amounts.
Cardly knows every card's multiplier by category
Welcome bonus deadlines stop slipping past you
WELCOME BONUS
75,000 pts
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.
All of Cardly, free for 7 days: bank connected, AI assistant, dashboard. Nothing is charged before the trial ends.
Manual import (CSV/PDF) or secure bank connection (Plaid, Pro plan). You choose. Encrypted end-to-end, Quebec Law 25 compliant.
One subscription, everything included. 7 days free to try it.
It fills itself in: bank sync, AI assistant, receipt scanning.
7 days free, card required, nothing is charged before the trial ends. Full refund within 7 days of the first charge.
Yes: 7 days of full access, once per person. A card is required, but nothing is charged before the trial ends, and you can cancel before then without paying anything. After that, it's $1.99 per month.
No. Cardly works 100% with statements you import manually (CSV or PDF). Bank connection (Plaid) is optional, available only on the Pro plan.
Over 25 Canadian cards catalogued with exact multipliers by category: Amex Cobalt (5x restaurants/groceries), Aeroplan, Scene+, TD, RBC, BMO, Scotia and more.
Yes, anytime from your settings. Instant change with automatic proration of amounts already paid. Full money-back guarantee within the first 7 days, no questions asked (Quebec CPA).
Yes. Everything stored on Canadian servers (Supabase), encrypted in transit and at rest. No data sold to third parties. Compliant with Quebec Law 25 and PIPEDA.
Create your account in 30 seconds, then 7 days free.
7 days free · Then $1.99/month · Cancel anytime