Credit Card Benefits Tracker for Canadian Cards (2026): What Is Actually Covered
Almost every benefits tracker is built for US cards. MaxWorth carries hand-verified data for 17 Canadian issuers, from Amex Canada to Rogers and Neo. Here is what that covers, what it does not, and how the credits reset.
Quick answer: MaxWorth tracks credit card benefits for Canadian cards from 17 issuers, with every credit’s amount and reset cycle entered by hand from the issuer’s terms: Amex Canada, TD, RBC, CIBC, BMO, Scotiabank, National Bank, MBNA, PC Financial, Rogers Bank, Tangerine, Neo, Wealthsimple, Canadian Tire, Simplii, ATB and Walmart Rewards. It never asks for a bank login. What it does not do for Canadians is shopping-portal comparison and offer activation, both of which are built for the US market. If your problem is unused credits on a Platinum, an Aeroplan Reserve or a Cobalt, this is the tracker; if your problem is Amex Offers in Canada, it is not yet.
Why Canadian cards are a gap in this category
Every serious benefits tracker started with US cards, because that is where the $600 hotel credits live. Third-party comparisons describe CardPointers’ Canadian coverage as thin and its Australian coverage as absent; MaxRewards, CardStack, kardfolio and Kudos are US-only by design. The no-bank-login comparison and the nine-app ranking go through this in detail.
The result is that a Canadian with an Amex Platinum and a TD Aeroplan Visa Infinite Privilege has had two options: a spreadsheet, or a US app where half the cards are missing.
At a glance: Canadian cards with real credits to track
| Card (annual fee, CAD) | Credits and cycles |
|---|---|
| Amex Platinum ($799) | $200 travel (annual, Amex Travel) · $200 dining at select Canadian restaurants (calendar year) · $100 NEXUS (every four years) |
| Amex Business Platinum ($799) | $75 Indeed per quarter · $100 Dell per half-year · $10 wireless per month · $200 travel · NEXUS |
| Scotiabank Passport Visa Infinite Privilege ($599) | $250 travel credit on the first Scene+ Travel booking each year |
| RBC Avion Visa Infinite Privilege ($399) | 6 DragonPass lounge visits per membership year · 12 months of DashPass · GigSky eSIM data twice a year |
| CIBC Aeroplan Visa Infinite Privilege ($599) | Companion pass after $25,000 spend · 6 lounge visits · NEXUS rebate every 48 months |
| Amex Cobalt ($191.88) | $60 Instacart over 12 months (limited time, through December 31, 2027) · $100 USD Hotel Collection credit |
| Amex Gold Rewards ($250) | $100 travel credit (annual) · $50 NEXUS |
| BMO VIPorter World Elite ($199) | $10 Instacart per month on $50+ orders (through October 31, 2027) · 6-month Instacart+ |
NEXUS credits appear on most premium Canadian cards and run on a four-year clock, which is exactly the kind of credit people forget exists until they pay the fee on the wrong card.
How it works for a Canadian cardholder
Pick the card, the credits load. Add the Amex Platinum and the $200 travel credit, the $200 dining credit and the NEXUS credit appear with their cycles already set; the dining credit runs on the calendar year, the travel credit on your cardmember year, and the app keeps both clocks.
Reminders before each cycle closes. A push before the Cobalt’s Instacart window ends or the Scotiabank travel credit’s year rolls over. This does not require seeing your transactions.
Annual-fee ROI in CAD. At renewal, what the card returned against $799 or $599, from the credits you marked used.
Points balances, manually. Aeroplan, Scene+, Avion and Membership Rewards balances can be tracked, and award flight search runs against them. Automatic balance fetching is AwardWallet’s job, not ours.
What it will not do
- Shopping-portal comparison covers US portals. Rakuten.ca and the Canadian bank malls are not in the comparison today.
- Offer activation is built for the US Amex and Chase sites. Canadian Amex Offers are not something the extension claims to activate.
- No automatic credit marking. You tap “used”. That is the trade for never connecting a Canadian bank account.
- Limited-time credits are dated. The Cobalt Instacart credit and the VIPorter Instacart credit both carry end dates in 2027; the database records them and they will be removed when they expire.
What it costs
Free to add cards and track credits. Premium is US$7.99 a month, US$60 a year, or US$159.99 once; App Store prices in CAD follow Apple’s conversion. List prices only.
The honest one-line verdict
For Canadian cards, MaxWorth is the only serious benefits tracker with hand-verified coverage, and the right pick for credits, reminders and annual-fee math. For portals and offers in Canada, nothing in this category does the job well yet, including us.
Frequently Asked Questions
Which credit card benefits trackers support Canadian cards?
MaxWorth maintains hand-verified data for 17 Canadian issuers. CardPointers is US-first and third-party reviews describe its Canadian coverage as thin; MaxRewards, CardStack, kardfolio and Kudos are US-only. AwardWallet tracks loyalty balances worldwide but not card credits.
Does MaxWorth need my Canadian bank login?
No. You pick your cards from the database and the credits load with their cycles. There is no account connection in the product, so there is nothing to link at TD, RBC, CIBC, BMO or Scotiabank.
Which Canadian cards have the most credits to track?
The Amex Platinum ($200 travel, $200 dining, NEXUS), the Business Platinum (quarterly Indeed, semi-annual Dell, monthly wireless), the Scotiabank Passport Visa Infinite Privilege ($250 travel), the RBC Avion Visa Infinite Privilege (six lounge passes, DashPass, eSIM data) and the Cobalt ($60 Instacart through 2027, $100 Hotel Collection).
Do the shopping-portal and offer features work in Canada?
Partly. Portal comparison covers US-market portals, and offer activation is built for the US Amex and Chase sites. Canadian cardholders get the full benefit tracker, reminders, annual-fee ROI and points tracking; the portal and offer features are US-first and we do not claim otherwise.