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Our methodology

Understanding the inputs matters as much as the result.

Product data

Cards come from the Milesopedia network’s Canadian catalogue: fees, programs, rewards and offers. Missing data does not mean a product is free or a benefit is guaranteed. Issuer terms govern the product.

Calculator assumptions

Calculators use your inputs and the assumptions shown in their interfaces. Prefilled rates, terms and returns are adjustable scenarios. Estimates do not predict future returns, available rates or approval decisions.

Points and rewards

Point value depends on the program and how you redeem. Some tools use indicative valuations; caps, fees, eligibility and offer conditions can change the result. The rewards calculator uses grocery, restaurant and general purchase rates; other categories use the general rate, without modelling every cap or promotional term. Compare the same spending over the same period.

Your circumstances matter

Calculation engines run in your browser. Financial inputs are not added to our audience events. Tools do not replace professional analysis of your tax, legal or financial circumstances.

Report an error

Include the tool, scenario and relevant official source. Do not send account numbers, social insurance numbers or banking documents.