Find the best credit cards without impacting your score

3 months ago 17

Rommie Analytics

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Find the perfect card with CardFinder

In under 60 seconds, get matched with a personalized list of the best credit cards based on your spending personality and approval likelihood. No SIN required.

Why use CardFinder

Advanced algorithm

To find the credit cards you’re likely to qualify for, we partner with banks and credit unions to gather historical data, and we leverage five years of our own insights, to give you the best options.

No impact on your credit score

We’ll perform a free soft credit check to determine which cards you’re likely to qualify for. This standard process will not affect your credit score.

Strict privacy protocols

We prioritize your privacy and data security, using a robust firewall and 256-bit SSL encryption to protect your personal information during submission.

11 years in business

By partnering with the best financial institutions, we help 1.2 million Canadians make better financial decisions every month. Check out our 4,500-plus five-star reviews on Google.

Find your perfect credit card in under 60 seconds—no SIN required

1. Tell us a bit about yourself

Answer some questions so we can personalize our recommendations. This won’t impact your credit score.

2. Check your eligibility

We confirm your eligibility with our partner, TransUnion. This will be a “soft credit check,” which you can see but lenders cannot.

3. Find your perfect matches

We show you the cards you’re most likely to want and most likely to get.

Resource highlight

Find the perfect card with CardFinder

In under 60 seconds, get matched with a personalized list of the best credit cards based on your spending personality and approval likelihood. No SIN required.

CardFinder frequently asked questions

Tap (+) to open the FAQs.

How does Ratehub’s CardFinder work?

First, you’ll answer some questions about your card preferences and credit profile. Based on your responses, we’ll recommend options for credit cards across all categories—including travel rewards, cash back, balance transfers and instant approval cards—that you’re most likely to be approved for.


How will CardFinder find the best credit card for me?

Your credit card matches are determined by an algorithm that considers various factors—such as your credit profile, lifestyle, spending habits and overall credit card preferences—to recommend the best options tailored to you.


Will CardFinder affect my credit score?

CardFinder will not impact your credit score, as we don’t perform any hard credit checks. 


After getting my results, what’s next?

Once you find out which cards you’re most likely to be approved for (based on your credit score and preferences), you can then choose to apply for those credit cards. Final approval is up to the credit card provider/issuer. 


Resource highlight

Find the perfect card with CardFinder

In under 60 seconds, get matched with a personalized list of the best credit cards based on your spending personality and approval likelihood. No SIN required.

Read more about the best credit cards in Canada:

Canada’s best instant approval credit cards Canada’s best no fee credit cards Canada’s best cash back credit cards Canada’s best travel credit cards

Partner content provided by Ratehub.

This article features a product and service from a partner. It is written by Ratehub and edited by MoneySense.

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