WalletFit
Maximize credit card rewards with cap-aware math
What it does
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
Stop leaving money on the table. Wallet Fit matches every expense to the right credit card using cap-aware algorithms built for Canadian wallets.
If you carry multiple Canadian rewards cards (like AMEX Cobalt, Aeroplan, or Scotiabank Gold), most tools ignore your spending caps. Wallet Fit doesn't. Our cap-aware engine tracks your annual limits and automatically shifts spend to the next-best card the moment a cap is hit — so you never leave points on the table. Ask Max natural-language questions about complex multi-card combos, store payment loopholes, spending cap overflows, and point transfer valuations. Our engine doesn't just compare flat rates. It tracks annual caps, models point valuations, and dynamically reallocates your spend. Many premium cards cap their best multipliers. Our algorithm monitors your yearly spend and shifts…from walletfit.app
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