Carte IQ assistant

Find my strategy

Tell us which profile sounds like you: Carte IQ translates your preferences into a recommendation scenario, then Carte IQ calculates the strategy from its published data.

  1. Pick a profileOr start from scratch if none sounds like you.
  2. Confirm your spending and preferencesSuggested amounts can be changed; nothing is calculated without your confirmation.
  3. Carte IQ calculates your strategyThe same calculation as every personalized analysis; no card is chosen by a conversational assistant.

Six starting points

Which profile sounds most like you?

Five profiles match the reference strategies published by Carte IQ; the sixth is for people who want to improve the cards they already hold.

  • Travel Enthusiast

    Maximize travel points and benefits.

    • Build my ideal portfolio
    • Travel with my rewards
    • Up to 3 cards
    See the reference strategy (3 cards)

    Reference strategy for this profile

    Cards
    3 cards
    Annual net value
    About $772.44 / year
    Annual fees
    $318
    1. Marriott Bonvoy American Express Card — American Express Canada Marriott Bonvoy American Express Card$242.44 / year
    2. BMO Ascend World Elite Mastercard — BMO BMO Ascend World Elite Mastercard$218 / year
    3. RBC ION+ Visa — RBC RBC ION+ Visa$312 / year

    Calculated by Carte IQ for the profile's reference spending; your result will depend on your own amounts. See the profile details

  • Family — Household Rewards

    Maximize household spending.

    • Build my ideal portfolio
    • Travel with my rewards
    • Up to 2 cards
    See the reference strategy (2 cards)

    Reference strategy for this profile

    Cards
    2 cards
    Annual net value
    About $850.44 / year
    Annual fees
    $168
    1. Marriott Bonvoy American Express Card — American Express Canada Marriott Bonvoy American Express Card$322.44 / year
    2. RBC ION+ Visa — RBC RBC ION+ Visa$528 / year

    Calculated by Carte IQ for the profile's reference spending; your result will depend on your own amounts. See the profile details

  • Cash Back

    Maximize cash back on your everyday spending.

    • Build my ideal portfolio
    • Earn cashback
    • Up to 2 cards
    See the reference strategy (2 cards)

    Reference strategy for this profile

    Cards
    2 cards
    Annual net value
    About $877 / year
    Annual fees
    $119
    1. SimplyCash Preferred Card from American Express — American Express Canada SimplyCash Preferred Card from American Express$769 / year
    2. CIBC Costco Mastercard — CIBC CIBC Costco Mastercard$108 / year

    Calculated by Carte IQ for the profile's reference spending; your result will depend on your own amounts. See the profile details

  • Points Strategist

    More management for maximum value.

    • Build my ideal portfolio
    • Earn points
    • Up to 3 cards
    See the reference strategy (3 cards)

    Reference strategy for this profile

    Cards
    3 cards
    Annual net value
    About $858.56 / year
    Annual fees
    $359.88
    1. American Express Cobalt Card — American Express Canada American Express Cobalt Card$408.12 / year
    2. Marriott Bonvoy American Express Card — American Express Canada Marriott Bonvoy American Express Card$372.44 / year
    3. RBC ION+ Visa — RBC RBC ION+ Visa$78 / year

    Calculated by Carte IQ for the profile's reference spending; your result will depend on your own amounts. See the profile details

  • One Card

    The best all-around card without a complex wallet.

    • Find my best card
    • Avoid annual fees
    • Up to 1 card
    See the reference strategy (1 card)

    Reference strategy for this profile

    Cards
    1 card
    Annual net value
    About $468 / year
    Annual fees
    $0
    1. CIBC Costco Mastercard — CIBC CIBC Costco Mastercard$468 / year

    Calculated by Carte IQ for the profile's reference spending; your result will depend on your own amounts. See the profile details

  • Optimize my current cards

    I already hold cards and want to know whether a next card would really improve my situation.

    • Improve the cards I already hold
    • Maximize total value

None of these sound like you? Answer the five questions of the full path.

Start from scratch

What this assistant does, and what it does not

The assistant only translates your preferences into a Carte IQ recommendation scenario. The card choice, their order and the estimated value come from the Carte IQ calculation and its published data, never from a conversation.

See the Carte IQ methodology