Guides

Short reads on the month, rates and cards

Each one names its sources and says what it does not know. Figures inside render from the same data as the rest of the site.

Newest guide
What a foreign purchase really costs on a Canadian card
The exchange rate is not the price. A foreign transaction fee sits on top of it, most Canadian cards charge one, and a surprising number of issuers do not state it at all.
Read the guide: What a foreign purchase really costs on a Canadian card
2 min read · Updated August 19, 2026
Where our numbers come from
Every figure on this site traces to a source we can name, with the date that source assigned it. Here is the chain, including the parts that are still weaker than we would like.
3 min readUpdated August 19, 2026
What a policy rate change does to your credit card balance
The Bank of Canada moves the policy rate eight times a year. Most credit card interest does not move with it, and the reason matters more than the headline.
2 min readUpdated August 19, 2026

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Guides

Each one names its sources and says what it does not know. Figures inside render from the same data as the rest of the site.

Newest guide
What a foreign purchase really costs on a Canadian card
The exchange rate is not the price. A foreign transaction fee sits on top of it, most Canadian cards charge one, and a surprising number of issuers do not state it at all.
Read the guide: What a foreign purchase really costs on a Canadian card
2 min read · Updated August 19, 2026
Where our numbers come from
Every figure on this site traces to a source we can name, with the date that source assigned it. Here is the chain, including the parts that are still weaker than we would like.
3 min readUpdated August 19, 2026
What a policy rate change does to your credit card balance
The Bank of Canada moves the policy rate eight times a year. Most credit card interest does not move with it, and the reason matters more than the headline.
2 min readUpdated August 19, 2026

Put this against your month

Every guide here ends in the same place: the month you can actually check.

No account. Nothing you type is sent to us.