Which card should you
swipe at checkout?
Stop leaving rewards on the table. CrediQuest instantly shows which of your Canadian credit cards earns the most — at any store or spending category.
Three taps to your best card
No spreadsheets. No bank portals. A fast lookup built around your actual wallet.
Select your cards
Choose the cards you actually carry in Settings. Your selection is saved locally — nothing leaves your device.
Search a store or category
Type any store name — Costco, Shoppers Drug Mart, Shell — or pick a spending category like Groceries or Travel.
Swipe the winner
Your cards rank by multiplier or cents per dollar earned. The best card is always on top — no mental math required.
Built for Canadians who care about every point
Multiplier or ¢ per $1
Toggle between reward multipliers and real cents-per-dollar so you can compare across different reward currencies fairly.
Store-specific bonus rates
Some cards earn elevated rates at specific merchants — like Aeroplan-branded cards at Air Canada, or WestJet RBC at WestJet. CrediQuest applies these overrides automatically.
Installs like a native app
Add CrediQuest to your home screen on Android or iPhone. Offline-capable and instantly accessible every time you're at checkout.
Top card explanation
The #1 ranked card tells you what else it earns well on — so you know every situation where it's worth reaching for.
No account. No tracking.
Your card selection stays in your browser's local storage. No sign-up, no tracking of which cards you own, no personal data sent anywhere.
Community-driven data
Missing a store? Wrong rate? Use the Contribute tab to submit corrections and additions — CrediQuest gets better with every submission.
20 of Canada's most popular rewards cards
From Amex Cobalt to TD Aeroplan — the cards Canadians actually use. All card and brand names are the property of their respective owners.
25 categories. Every way you spend.
From groceries to gas, dining to streaming — every major spending category Canadians use every day.
Common questions
Which Canadian credit card earns the most rewards on groceries?
It depends on which cards you hold. The American Express Cobalt typically earns 5× on groceries and dining; the Scotiabank Gold American Express earns elevated rates at eligible Canadian grocery stores. CrediQuest ranks your specific wallet so you always see which of your cards comes out on top. Always verify current earn rates directly with your card issuer — rates can change at any time without notice.
Is CrediQuest free to use?
Yes, completely free. No subscription, no sign-up, no ads. Open it in your browser or install it as a Progressive Web App on your phone for instant access at checkout.
How do I maximize my credit card rewards in Canada?
The most effective strategy is card segmentation — using a different card for each spending category. CrediQuest automates the lookup so you never have to memorize each card's earn rates. This is general informational guidance only and does not constitute financial advice. Consult a qualified financial advisor for personalized recommendations.
Does CrediQuest store any of my personal information?
CrediQuest only stores which card names you have selected — not card numbers, expiry dates, PINs, or any account details. That selection is saved exclusively in your browser's local storage on your own device and is never transmitted externally. See the Legal & Disclosures section below for full details.
How accurate is the rewards data?
Data is maintained on a best-effort basis using publicly available card issuer information. Earn rates are subject to change by issuers at any time without notice. CrediQuest makes no guarantee that displayed rates are current or complete. Always confirm rates directly with your card issuer before making any spending decisions.
Can I install CrediQuest on my phone?
Yes. On Android, tap the install prompt that appears in the app. On iPhone, open CrediQuest in Safari, tap the Share button, then select "Add to Home Screen." It works like a native app with no App Store required.
What if my store isn't in the database?
Use the Contribute tab inside the app to submit a missing store. You can also search by spending category to immediately find the right card for any merchant not yet in the database.
Start earning more on every purchase
Free, no login, works on any device. Add it to your home screen and check it every time you're at checkout.
Open CrediQuest — it's free →Important notices — please read before using CrediQuest
CrediQuest is an independent personal project provided on a free, as-is basis. By using this website or the CrediQuest application, you acknowledge and agree to the following disclosures. Last updated: March 2026.
No Affiliation or Endorsement
CrediQuest is not affiliated with, endorsed by, sponsored by, or in any way connected to any credit card issuer, bank, financial institution, or merchant referenced in this application. All issuers — including but not limited to American Express, Scotiabank, TD Bank, CIBC, RBC, BMO, Rogers Bank, Tangerine, PC Financial, Canadian Tire Bank, WestJet, and Neo Financial — are independent entities with no involvement in this project. Inclusion of a card or merchant does not imply any commercial relationship.
Trademark Notices
All product names, card names, brand names, merchant names, and logos referenced in CrediQuest are the registered trademarks or trademarks of their respective owners. This includes but is not limited to Visa®, Mastercard®, American Express®, Aeroplan®, WestJet Rewards™, and PC Optimum™. Use of these names is solely for descriptive and informational identification purposes and does not imply any endorsement, affiliation, or partnership of any kind.
Not Financial Advice
The information provided by CrediQuest is for general informational and educational purposes only. Nothing in this application constitutes financial, investment, credit, tax, or legal advice. CrediQuest does not recommend any specific credit card or financial product for any individual. All credit products are subject to individual approval. Please consult a qualified financial advisor before making any financial decisions.
Accuracy of Rewards Data
Reward earn rates, multipliers, and category mappings are maintained on a best-effort basis using publicly available information. These rates are subject to change by card issuers at any time without notice. CrediQuest makes no warranty, express or implied, regarding the accuracy, completeness, or currency of any data. Always verify current earn rates directly with your card issuer before making any spending or financial decisions.
Privacy Notice
CrediQuest does not collect, transmit, or store any personally identifiable information on external servers. The only data persisted is your selected card names, stored locally in your browser on your own device. Anonymous, non-identifiable usage events (e.g., event counts, general usage patterns) may be logged to a private analytics database solely to improve the application. No names, contact details, card numbers, or any information that could identify you are ever collected.
Limitation of Liability
CrediQuest and its creator(s) shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from use of or reliance on this application, including missed rewards, suboptimal card usage, or financial loss. Use of CrediQuest is entirely at your own risk. This is a free, non-commercial personal project provided with no warranty of any kind, express or implied.