Before
Will I be approved?
- What the issuer actually requires: time since your last bonus, cards already held, limits per issuer
- The rules gathered in one place, with their source
It's not the number of cards holding you back. It's keeping track.
Cardendar keeps issuer rules, due dates, bonuses, credits, certificates and statuses for your whole wallet. And at the register, when an Amex is declined, you see the best Visa or Mastercard you already carry.
Create my account
Free up to 5 owned cards, with nothing locked. Beyond that, CA$6.99 a month.
Rates and categories re-checked with the issuerPoint value: yours, and you can change it
Best card
My everyday Amex6.25¢/$ CAD
American Express · Transferable points
Points
5X × 1.25¢/pt = 6.25¢/$ CAD
Groceries and supermarkets
Still under the category cap
Also a good choice
My travel Amex3.60¢/$ CAD
American Express · Airline points
Points
2X × 1.80¢/pt = 3.60¢/$ CAD
If Amex is declined · accepted everywhere
My cash back Mastercard2.00¢/$ CAD
Mastercard · Cash back
2% cash back = 2.00¢/$ CAD
Quarterly cap reached: you now earn the base rate
Sample display. Amounts depend on your cards and your point value.
Your data
Your data comes from you, not from your bank.
Cardendar connects to no financial institution and pulls nothing from one.
You enter what you want to track yourself: never a full card number, never a banking password.
You pick your cards from the catalogue — and you can delete everything in one move.
I built Cardendar for myself. I hold more than twenty cards and I could no longer keep track of what each one owed me.
Benoit De Grandpré, founder
The full life cycle
A card gets chosen, then worked, then judged.
Cardendar follows you through all three — not just the payment reminder.
During
Nothing gets lost
- Statement and payment due dates
- Welcome bonus: threshold, deadline, spend still to go
- Annual credits and what's left before they reset
- Free-night and companion certificates
- Hotel status, airport lounge access, car rental status
- What your bank is about to report about your balance, and how to lower it before it does
At renewal
Is it worth the fee?
- What it returned this year, against the fee
- What you actually pocketed
- Keep it, switch it or close it — the decision stays yours
So which one next?
Your next card, ranked.
Cardendar ranks by what you already hold, each issuer's rules and what your wallet doesn't cover — not by a return nobody can promise you.
- 1Travel card with an annual feeNo travel card with an annual fee in your walletEligible
- 2No-fee cash back cardRounds out your everyday categoriesNo waiting period
- 3Hotel cardAnnual free night and ongoing statusBonus already taken — revisit in 4 months
Sample display.
Nothing to configure: you pick your cards from the catalogue, the rest is already there.
The catalogue
The Canadian catalogue, checked card by card, and dated.
Personal and business rewards cards: rates, categories, caps, credits, certificates and statuses. Every line is re-read with the issuer and carries the date it was last verified. If a card is missing, tell us.
Travel card with an annual fee — sample entry
- Annual fee
- $150
- Groceries
- 3 pts/$
- Category cap
- $2,500 per quarter
- Annual travel credit
- $100
- Free-night certificate
- 1 per year
- Foreign transaction fee
- 2.5%
Verified on August 4, 2026source
Sample entry. No real card is named here.
Pricing
Free for up to 5 owned cards. Beyond that, CA$6.99 a month, unlimited cards.
Prices in Canadian dollars.
Free
$0
forever
All of Cardendar, up to 5 owned cards.
Beyond 5 owned cards
Pro
CA$6.99 / month
or CA$69.99 per year
Unlimited cards, personal and business. You stop counting your cards.
No feature is reserved for Pro. The only difference between the two plans is the number of cards. You only pay if your wallet goes beyond five owned cards.
Create your account. It's free.
Free for up to 5 owned cards. You pick your cards from the catalogue: nothing to type in — no rates, no categories, no caps.