Free tools

Calculators, not just rankings.

Convert any points balance into dollars, or check whether a card’s annual fee actually earns its keep, using the same Points Standard Index and card data behind every ranking on this site.

Start here

Answer the question you actually have.

Three tools, each built for one decision. None of them takes longer than a coffee.

7 steps · 2 min

Find your fit

Which card belongs in your wallet?

Answer a few questions about how you actually spend. You get up to three matches, each with the reasoning that produced it.

Find my card

Monthly spending · 3 min

Make the comparison

Is the annual fee actually worth it?

See what a card returns on your own spending, after the fee. Year one and the years that follow, side by side.

Run my numbers

1 balance · instant

Value what you hold

What are your points actually worth?

Pick a program and enter your balance for the easy floor, the Standard mark, and the strong-redemption ceiling in Canadian dollars.

Value my points

The rest of the bench

Go deeper

Specialist tools for when you already know what you’re looking for.

Deadline: Nov 30, 2026

Aeroplan points expiry checker

Enter the last time points moved in an Aeroplan account to see when they expire, what's at stake in dollars, and the cheapest way to keep them.

Aeroplan chart

Aeroplan flight reward calculator

Pick two airports and a cabin to see what the flight costs in Aeroplan points on Air Canada's published chart, on partners and on Air Canada itself.

Compare every program

Points comparison table

See the same balance valued across every program on The Points Standard Index at once, useful for deciding which points to earn or transfer.

CT Money

Canadian Tire Money calculator

Enter your monthly spend to see how much CT Money each Triangle Mastercard earns in a year at Canadian Tire, on groceries, on gas and everywhere else.

2–3 card strategy

Stack builder

Enter your spend and compare a 2–3 card stack: structured caps applied, every fee subtracted, and each category allocated transparently.

Build your own matchup

Card comparison explorer

Pick any 2–3 cards from the database and compare the Standard Score breakdown, fees, earn rates, benefits, and net value side by side.

Airport lounge map

Lounge access lookup

Pick a Canadian airport to see every lounge and which cards get you in, or pick a card and see exactly which doors it opens at the 8 biggest airports.

Interactive methodology

Score it your way

Re-weight the six Standard Score components to your own priorities and see every published card re-ranked live, with no change to the official score.