Top Picks
Best welcome bonuses right now
How It Works
From application to bonus in four steps
No spreadsheets. No guesswork. Just a clear path to your first welcome bonus.
Find the right card
Browse 130+ Canadian credit cards. Filter by program, issuer, or fee. We show the full first-year value — welcome bonus plus portal cash back.
Apply via the best portal
Portals like GCR and Frugal Flyer pay you $50–$200 cash back just for applying through their link. We compare all four so you always use the highest one.
Track your spend
Add the card to your dashboard. Your MSR deadline counts down in real time — so you never accidentally miss the spend window and forfeit the bonus.
Collect and repeat
Points, miles, or cash — it lands in your account. Cancel before the annual fee renews, then move on to the next card. Most people earn $1,000–$2,000 in year one.
The Math
One card. Over $1,300 in 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 on the same application.
Most Canadians leave this on the table because nobody showed them the math. PointsBinder shows you the full breakdown before you apply — so you always know what you're getting.
See all card values →Real example
Amex Platinum — Year One
Based on 100k MR pts redeemed via Aeroplan at ~2¢/pt. Portal rates change — verify before applying.
Card Tracker
The part people always mess up.
Miss your MSR deadline and you lose the welcome bonus entirely — there's no getting it back. Forget to cancel before your annual fee and you're paying $120–$799 for a card you're done with.
PointsBinder tracks every active card — spend progress, deadline countdowns, fee renewal dates — so nothing slips through.
Start tracking free →MSR Deadline Tracker
Progress bars show exactly how much you need to spend and how many days are left. No spreadsheet required.
Annual Fee Alerts
Get notified 60 days before your fee renews so you can decide to keep or cancel — and never pay for a card you forgot about.
Card Inventory
Every card you hold in one place — status, apply date, annual fee date, and bonus earned.
Bonus History
A running record of every welcome bonus earned, what it was worth, and what you have in progress.
Deal Alerts
Never miss a hot offer
We'll email you when Canadian card bonuses spike — so you apply at the peak, not after.
No spam. Unsubscribe anytime.
Ready to stop leaving money on the table?
Browse 130+ Canadian cards, find the best portal, and track every deadline — free.