ClearFin
CLEARFIN — INITIALIZING
01 / Hero
Built for Canada - Live 2026

What if your cards
actually "worked"
for you?

The average Canadian holds 4 credit cards and leaves $847/year in rewards unclaimed. Use ClearFin to choose your next credit card based on how you actually shop.

$847/yr
Avg leak per user
107
Cards tracked
17
Issuers covered
Scroll - Calculate
02 / Calculator
Live · Try it now

How much are
you losing?

Answer 5 quick questions. We'll calculate your exact reward leak and show you which Canadian cards would earn you more — right now.

Canadians lose, every minute
$1,612.00
5 questionsNo signupNo card data
Scroll · See cards
03 / Top Picks
Curated - Updated continuously

Best card for every category.

Independent comparison. ClearFin is not affiliated with banks or credit card issuers.

04 / Compare Cards
2 cards · Your spend profile

See the difference
side by side.

Pick any two Canadian cards. We'll show exactly how each one performs against your spending — category by category, fee included.

Comparing:
01Scotia Gold Amex
vs
02National Bank World Elite Mastercard
🛒 Best Grocery Card

Scotia Gold Amex

Scotiabank
$702net / year for your spend
6x Scene+ at Sobeys, Safeway, FreshCo, Foodland & more
5x on dining, food delivery, food subscriptions & other grocery
5x on eligible entertainment (movies, theatre, tickets)
3x on gas, transit, rideshare & streaming services
Up to 4x on hotels & car rentals via Scene+ Travel · 1x all other travel · $120/yr annual fee
Scotia Gold Amex
Apply at Scotiabank
Issuer terms apply. Not affiliated.
🛒 Grocery & Dining

National Bank World Elite Mastercard

National Bank
$618net / year for your spend
5x points on groceries & restaurants
2x on gas, EV charging, recurring bills & À la Carte Travel
1x points on all other purchases
Airport lounge access · Comprehensive travel insurance
$150/yr annual fee
National Bank World Elite Mastercard
Apply at National Bank
Issuer terms apply. Not affiliated.

Cards that earn points or miles are shown as an estimated cash value. See the Rewards Guide for how we convert points to a percentage.

Estimates based on publicly available reward rates · Actual rewards may vary · ClearFin is not affiliated with any card issuer

05 / Coming Soon
Mobile App · 2026

Your wallet,
supercharged.

All your finances in one app. Track your cards, compare rewards, and take control of your spending from a single ClearFin dashboard.

Get payment reminders before bills are due
Get notified about active subscriptions
Get spending limit reminders before you go over budget
Track rewards across all your cards in one dashboard
Join Waitlist for App Access
ClearFin· Live
Cobalt
+5x
Scotia
+6x
Aeroplan
+3x
Best for your Loblaws shop
Scotia Gold Amex
+$4.20 more than your current card
ClearSave active
Extra 3% at Fresh Prep — auto-applied
06 / Waitlist
Limited spots · Calgary first

Stop leaving
rewards on the table.

Join the waitlist. Early access drops in waves — Calgary first, then nationally. No spam. Just one email when it's your turn.

No credit card required · Built in 🇨🇦