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Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Based on $2,000 spending
First Year Value
$1,027
$397 in years after
Annual Rewards
$517
Air Canada Aeroplan®
First Year Bonus
$630
Air Canada Aeroplan®
Annual Fee
$120
First Year Value
$1,027
$397 in years after
Card Type | Charge |
Reward Type | Points |
Our Rating | 3.4/5 |
Institution | American Express |
Loyalty Program |
Annual Fee | $120 |
Interest Rates | Purchase: 30% Annual* Cash Advance: 30% Annual* |
Credit Score Estimate | Good |
Annual Income | Personal: N/A Household: N/A |
Welcome Bonus | Up to 40,000 Aeroplan® Points (30,000 in 1st year) |
Description | Earn 30,000 Aeroplan® points after spending $3,000 in purchases on your Card within the first 3 months. Plus, earn an additional 10,000 Aeroplan® points when you spend $1,000 in purchases in month 13. |
Based on $2,000 spending
Air Canada
480 points
Food and drinks
6,300 points
All other purchases
17,839 points
Annual Fee
- $120
Net Annual Rewards
24,619 points
Valued at $397 (after fees)
Net Annual Rewards
24,619 points
Valued at $397 (after fees)
First Year Card Bonus
30,000 points
Valued at $630
First Year Card Value
24,619 points
Valued at $1,027
Redemptions Chart
Transfer to Airline Partners
$1,027
Travel
$330.61
Gift Cards
$284.18
