How It Works
From browsing to bonus in four steps
No spreadsheets. No guesswork. Just the clearest path to your first welcome bonus.
Find the best card
Browse 155+ Canadian credit cards filtered by program, issuer, annual fee, and first-year bonus. We show the math up front.
Apply via a rebate portal
Portals like GCR and Frugal Flyer pay you $50–$200 in cash back just for applying through their link. We compare them all.
Hit the spend requirement
Your MSR tracker shows real-time progress. Hit the target before the deadline and your welcome bonus unlocks.
Collect your reward
Points, miles, or cash — it lands in your account. The average person earns $1,000–$2,000 in year one.
First Year Bonus
One card.
$1,326 net value.
Welcome bonuses are the biggest single-hit reward in personal finance. Stack a rebate portal on top and you're collecting cash from two sources at once.
Most Canadians leave this on the table because nobody showed them the math. PointsBinder makes it visible before you apply.
Browse all deals →Example breakdown
Amex Platinum — Year One
Based on 100k MR pts via Aeroplan at ~2¢/pt. Portal rates vary — verify before applying.
Top Picks
Best cards right now
Card Tracker
Never miss a deadline.
Miss your MSR deadline and you lose the welcome bonus entirely. Forget to cancel before your annual fee and you're paying $120–$799 for nothing.
PointsBinder tracks every active deal — spend progress, fee dates, cancel windows — so every dollar gets captured.
Start tracking free →MSR Progress Tracker
Real-time spend progress bars. Never miss a deadline or forfeit a welcome bonus.
Fee Renewal Alerts
Get flagged 60 days before your annual fee hits so you can keep or cancel in time.
Card Collection
Your full card inventory with status, annual fee dates, and first-year bonus.
Reward History
Every bonus you've earned, what it was worth, and what's still in progress.
Start earning more on every card.
Browse 155+ Canadian cards, compare portals, and track every deal — free, forever.