Most reward tools assume infinite points, but Canadian cards have strict spending caps, fees, and store rules.
Wallet Fit uses cap-aware algorithms to match every purchase to the optimal card:
• Tracks monthly/annual caps (Cobalt, Scotiabank, Aeroplan)
• Merchant rules (Costco Mastercard-only, Loblaws no-Amex)
• Net annual return calculated after fees
• Free manual calculator + optional bank sync
• Meet Max: 24/7 AI Credit Card Strategist
