Maximize every dollar you spend. Through my partnership with FinlyWealth, I help Canadians find the best credit cards for their lifestyle, spending habits, and financial goals.
Most Canadians are leaving $1,000–$3,000+ in rewards on the table every year by using the wrong credit card. The right combination earns you free flights, cashback, hotel stays — while providing travel insurance and purchase protection you'd otherwise pay for separately. Through my FinlyWealth partnership, I help match you to the perfect card stack for your lifestyle.
Real cards. Real value. These are some of the best offers available right now in Canada.
The undisputed king of everyday cashback in Canada. If you spend heavily on groceries, gas, and recurring bills — this card is engineered for you.
A family spending $1,500/month on groceries, $300 on gas, and $200 on subscriptions earns ~$840 cashback/year — that's $720 net after the annual fee. This card also covers car rental insurance, which means you may not need to pay separately for that. Worth noting: "recurring bills" includes your Netflix, phone, car insurance pre-authorized payments — that 4% adds up fast.
One of Canada's most flexible travel rewards cards. Avion points transfer to multiple airlines including British Airways, Cathay Pacific, and WestJet — opening doors to some of the world's most exclusive flight experiences.
Transfer your 55,000 Avion points → British Airways Avios, then use Avios to book a Qatar Airways QSuite Business Class seat from Toronto (YYZ) → Doha (DOH). This redemption — one of the most luxurious business class products in the world with a private suite, fully flat bed, and gourmet dining — retails for ~$7,500 CAD in cash. With points, you pay a fraction of that. The welcome bonus alone can cover this flight.
Avion's flexibility is its superpower — you're not locked into one airline program. The card's built-in travel insurance also means you may be able to skip buying a separate travel policy for shorter trips. I always review what your card covers before recommending additional travel insurance — that's the integrated approach I bring that most advisors miss.
The best card in Canada for people who eat out, order food delivery, or cook at home. Earns Membership Rewards points that transfer to Aeroplan and other airline programs.
Pair the Cobalt with the Scotia Momentum and you've covered almost every spending category optimally — Cobalt for food and dining (5x), Scotia for groceries and gas (4%). This two-card combo is one of the most popular setups I recommend through FinlyWealth.
FinlyWealth is Canada's leading credit card optimization platform. As a partner advisor, I use their tools to analyze your exact spending and find the optimal card combination — then integrate that with your insurance coverage so you're never paying for duplicate protection.