One page, five sections
One page, five sections: who we are, how leftover and card figures are made, how we are paid, everything we read, and what we will not claim.
One illustrative month, end to end
Illustrative figures, the arithmetic is real
1. You type four figures
2. The month computes one answer
$590
3. The same seven lines rank a card
Ranked first
American Express Cobalt Card
$437
minus
Ranked second
Scotiabank Gold American Express
$436
equals
The gap, a year
$2
Net value = estimated annual rewards at published redemption values, minus the annual fee. Category caps, welcome bonuses, and insurance benefits are excluded. Estimates only. Confirm terms with the issuer.
Who we are
Awesoon Technologies Inc. We are not a bank. We hold no deposits, we issue no cards, and we approve no applications.
Most money tools open on a product they are paid to move. We open on leftover: take-home less the lines and the savings you typed. Ranking exists, and it uses those same lines, minus the fee, computed the same way for every card. It is not the front door.
How a figure is made
Every card is scored on one number: what it returns in Canadian dollars for the spending you tell us about, minus what it costs you to hold. We convert points, miles, and cash back to dollars at published redemption values, subtract the annual fee, and rank on what is left. Nothing else moves a card up or down.
- Variable spending (7)
- Rent or mortgage
- Savings
- Left in the plan this month
Leftover is the marked bar: what is left after every other bar.
| Label | Value | Note |
|---|---|---|
| $8,460 | $123 | 50% |
| $12,690 | $280 | 75% |
| $16,920 | $437 | 100% |
| $21,150 | $595 | 125% |
| $25,380 | $752 | 150% |
| $8,460 | $158 | 50% |
| $12,690 | $297 | 75% |
| $16,920 | $436 | 100% |
| $21,150 | $575 | 125% |
| $25,380 | $713 | 150% |
How we make money
When you apply through Skarp and the issuer approves you, that issuer pays us a referral fee. That is our only revenue. It does not change the ranking, because the ranking is computed from your spending before we know anything about which card you pick. Cards from issuers who pay us nothing are ranked by exactly the same formula. We do not sell your personal information.
Every source we read
41Every one of them public, named, and listed with what we are permitted to use it for.
Rates, fees, and card terms are taken from issuer sources and stored with the date they were verified. We never estimate a rate or fill in a gap from memory. When a figure cannot be verified, we show that instead of guessing. The verification date at the bottom of every page is read from the data itself, so it cannot claim to be fresher than the catalogue actually is.
What we cannot do
We do not know whether you will be approved, what credit limit you will receive, or what rate you will be offered. Those decisions belong entirely to the issuer and depend on information we never see. Our comparison is a starting point, not financial advice, and you should confirm every detail with the issuer before you apply.
Put this against your month
What is left to spend this month?
Every guide here ends in the same place: the month you can actually check.
No account. Nothing you type is sent to us.