Commission-blind recommendations · Built for Canadians

You're probably using the wrong card.

Upload a statement and Butter shows you, across 63 verified Canadian cards, exactly which one pays you the most on your real spending. Commissions never touch the ranking.

The average Canadian with 3 cards leaves $520/year in rewards unclaimed. Upload a statement and see yours →

See it live

See exactly what you're missing.

Pick a wallet, set a purchase, change the category. Real Canadian cards, real earn rates: the same commission-blind engine behind every Butter recommendation.

Example Wallets
Your Cards (4)
Amex Cobalt
Scotia Gold Amex
Rogers World Elite
PC World Elite
Purchase Details
$150CAD
$5$500$1,000$2,000
Best for Dining
American Express Canada
Amex Cobalt
$11.25
estimated reward
on dining
Membership Rewards (CA)·1.50¢/pt

Earns 5× Membership Rewards (CA) (750 pts @ 1.5¢/pt): $11.25 on this $150 purchase.

Some rates for this card haven't been fully verified. Always confirm with the issuer.
All your cards, ranked
Same engine as the extension · all calculation local · no data sent
How it works

Three steps. Then you never think about it.

01
Upload a statement

CSV, Excel, or PDF from any Canadian bank. No account needed, and statements are never stored.

02
See your best card

Butter projects your real spending across 63 verified Canadian cards and names the one that pays you most.

03
Decide with the full picture

Every card page shows where it wins, where it falls short, and the caps that matter, verified against the issuer.

$520

The average Canadian with three credit cards leaves this much in rewards unclaimed every year. Not because they don't care, but because no one told them which card to use.

61
Canadian cards
No storage
Statements never stored
Free
No subscription ever
Also in your browser

Butter at checkout, too

The free Chrome extension spots checkout pages and tells you which of your cards earns the most on that exact purchase. No card numbers, ever.

Works on desktop Chrome. Send yourself the link and set it up there.

Compare any credit cards side by side
Upload your statement · See real returns per category · Find your best card
Compare Cards →

Start using the right card.

Free, private, and takes about 30 seconds to set up.

Analyse my spending (free)

No account required · No card numbers · Statements never stored · Privacy policy · Terms