We earn a referral if you sign up - but only the ones we use ourselves. No marketplace, no "featured partners", no auto-pay comparison tables. Three picks, all in our actual wallets.
5× points on groceries & restaurants.
Best card in Canada for food spend, full stop. The annual fee pays itself back in about three months at average grocery + dining velocity, and the points map 1:1 to flights when you transfer to Aeroplan.
Where the math actually happens.
Commission-free investing for Canadians. TFSA, RRSP, regular cash, crypto - all in one app. Use code CY9_OA on signup and you both get $25. This is where the “invested it instead” numbers in CostMe actually live for us.
No-contract mobile with a $10 credit.
Half the price of Rogers/Bell. Same towers underneath. The phone bill is the easiest recurring expense to cut without changing your life - referral code JESMNK gets you a $10 credit at signup.