For Canadian points hobbyists
Every card, all buttoned up.
Cardigan keeps track of your card perks, staged welcome bonuses, bonus-eligibility dates, annual fees and expiring points, for everyone in your household and by Canadian rules.
No card numbers. No bank logins. Ever.
Sign-ups open soon.
Aeroplan’s pause on points expiry ends on November 30, 2026.Check when your Aeroplan points expire
$200 annual travel credit · Done
Used Oct 3 · Maya
Welcome bonus, stage 1 · To do
$2,350 of $7,500 spent · 6 days left · Sam
Airport lounge visits · To do
4 of 6 left this year · Maya
Companion voucher · To do
Expires Jan 31 · Sam
84,200 points · To do
No activity in 16 months · check before they expire
Annual fee review · Done
Kept the card · 112% of the fee recovered
Built around how Canadian cards actually work
Staged welcome bonuses
Every milestone on its own deadline, with the spend you still need each week. Month-13 bonuses included.
Bonus eligibility
When each person can earn a card’s welcome bonus again, with the issuer’s rule and where it comes from.
Perks that reset
Cardmember-year credits, lounge visits, companion vouchers and spend-unlocked perks, each on its own clock.
Fees and fee recovery
What each card costs this year after rebates, and how much of it you’ve earned back.
Points that expire
Balances in dollars, and a warning before inactivity costs you.
One household, two logins
Everyone’s cards in one place. Your partner gets their own sign-in.
Private by design
You pick your cards from a list and type in the dates. We never ask for card numbers, bank logins or loyalty-program passwords, and your data is stored in Canada.
Read the waitlist privacy noticeQuebec
A French version is on the way. Quebec residents are welcome to join the waitlist now, and we’ll invite you as soon as Cardigan is available in French.