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