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Tell TrueSpend which credit cards you already use.
Every Purchase. Perfectly Rewarded.
TrueSpend helps you choose the best credit card for every purchase, maximize rewards automatically, and understand where your money goes with privacy-first AI insights.
AI AI Rewards Optimizer
✓ Privacy First
NA Built for North America
Best Card to Use
Walmart
AI Recommendation
$142.35
Use this card
+$11.40
ChaseVISA
Amex Cobalt
5X Points
Better than your current card
Your current card
+$1.42
TDMC
TD Cashback Visa
1% Cashback
Why this card?
Amex Cobalt earns 5x points on eligible grocery purchases. That's an extra $10.00 in rewards.
The problem
Most people are using the wrong card.
You could be missing hundreds of dollars in cashback and rewards every year.
- Different categories
- Merchant restrictions
- Rotating offers
- Travel perks
- Foreign transaction fees
TrueSpend simplifies all of it using AI.
We analyze your spending and tell you which card to use, where you're losing rewards, and how to maximize cashback and points.
How it works
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Smarter rewards in 3 simple steps
Connect Spending
Securely connect your accounts or upload receipts.
Get Smart Recommendations
See the best card for every purchase and discover missed rewards.
See True AI in action
Know the best card. Earn more rewards.
Example Purchase
Groceries at Walmart$142.35
You usedTD Cashback Visa
Potential extra rewards+$11.40 / month
Recommended cardAmex Cobalt
Welcome back, Mike!
Here's your spending and rewards overview for this month.
Spending Breakdown
Top Insight
You could earn an extra $36.20 this month by using the right card.
Amex Cobalt gives more points
Recurring charge detected
Spotify renewed for $12
Everything you need to maximize rewards
Best Card Recommendations
Get the best card for every purchase.
Missed Rewards Reports
Discover rewards you left on the table.
Spending Insights
Understand your habits and cash flow.
Subscription Tracking
Track, manage, and get reminded.
Receipt Scanning
Scan receipts and categorize automatically.
AI Saving Suggestions
Smart tips to save more every month.
Merchant-Level Analysis
Get deeper insights by merchant.
North America Support
Canada and U.S. cards supported.
Your privacy. Our priority.
TrueSpend is designed to help you understand your spending without compromising your trust.
- We never sell your data
- Secure financial connections
- You control connected accounts
- Bank-level encryption
- Transparent recommendations
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Stop leaving rewards on the table.
Join the TrueSpend waitlist and be among the first to optimize your spending with AI.
Join 500+ people on the waitlist
Know the best card before you pay.
Search any merchant and TrueSpend will recommend the card that earns you the most rewards.
Rogers World Elite Mastercard2% Cashback
TD Cashback Visa1.5% Cashback
Amex CobaltNot Accepted
Compare cards. Find the best for you.
Compare credit cards across categories, fees, and reward types.
| Card | Best For | Grocery | Travel | Fee |
|---|---|---|---|---|
| Amex Cobalt | Food Rewards | 5x | 2x | $156 |
| Rogers World Elite | Everyday Cashback | 1.5% | 1.5% | $0 |
| Scotiabank Passport | Travel | 1x | 2x | $150 |
Get early access to TrueSpend.
Join the waitlist and be the first to experience smarter rewards and spending insights.