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Refer & Earn 25%
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.
$2,000
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.
Card Details
Interest Rates
Cash Advance: 22.99%
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$99
$0
First Year Waived
Annual Income
Personal: N/A
Household: $15,000
Credit Score
Very Good
Welcome Bonus
Get a first-year annual fee rebate for you and up to three Authorized Users and earn 10% cash back for the first 4 statements on net purchases of up to $2,000.
Card Type
Cash Back
Our Rating
2.8/5
Institution
CIBC
Rewards
- 3% cashback on gas and groceries if they are in the first $80K transactions of the year and $20K of categorical spends
- 2% cashback on transportation, dining and recurring bills if they are in the first $80K transactions of the year and $20K of categorical spends
- 1% cashback on all other eligible card purchases
Calculating reward breakdowns
Insurance & Benefits
Insurance
Coverage
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Car Rental Damage & Theft
yes
Travel Accident
$500,000
Purchase Protection
90 days
Extended Warranty
Up to a year
Benefits
Details
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Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
Car Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.
Pros & Cons
Pros
- 10% Cash Back Welcome Offer: Earn 10% cash back for the first 4 months, up to $2,500 in spending.
- Solid Cash Back Rates: Get 3% cash back on gas, groceries, and EV charging, plus 2% on restaurants, transportation, and recurring bills.
- Fuel Savings: Save up to 10 cents per litre at Journie Rewards gas stations (Ultramar, Fas Gas, Pioneer, Chevron).
- Low Income Requirement: Only a $15,000 household income requirement, making it accessible to a wider audience.
Cons
- Limited Insurance Coverage: Only includes basic insurance options, which may not be ideal for travelers or those seeking comprehensive coverage.
- Annual Fee: The $99 annual fee reduces the net rewards slightly.