Built for real life.
We are Canadians who ran into the same problems everyone else does — and decided to actually fix them.
Why we built this
It started with the small frustrations that add up. A missed credit card payment. Realising you used the wrong card at the grocery store and left 4x points on the table. Owning four cards and having no idea which one to tap.
The average Canadian holds four credit cards and leaves $847 a year in rewards unclaimed — not because they don't care, but because the system is genuinely confusing. Banks don't make it easy. Reward programs are designed to be complicated.
We wanted one place that makes all of it simple: which card to use, when to use it, and how much you are actually earning. No spreadsheets. No guessing. One app.
What we are building
ClearFin is a unified financial system for your credit cards. The calculator shows you which of 107 Canadian cards earns the most for your actual spending habits. The app tracks your cards, reminds you before payments are due, flags active subscriptions, and tells you — in real time — whether you used the right card for every purchase.
Everything visible. Everything simple. One place.
The team
Independence
ClearFin is not affiliated with any bank, credit card issuer, or payment network. Every comparison is based on publicly available rates and terms. We earn nothing from card applications. Our only job is to give you the most accurate picture of your options.
Contact
Questions, corrections, or feedback — reach us at info@clearfin.ca.