Independent. Analytical. Truthful.
CardTruth publishes independent, fine-print-focused credit card teardowns for Canadian consumers.
Why We Exist
Most credit card comparison content is built around marketing summaries. It leads with welcome bonuses and multipliers, while the limitations, caps, and legal clauses stay in documents few people have time to read.
At CardTruth, we believe consumers deserve a complete picture. We read the full cardholder agreements, emergency medical insurance certificates, and rewards program terms for every card we profile. We highlight the restrictions that will impact your day-to-day card utilization.
Our Methodology
Our editorial team operates with strict guidelines to guarantee objective assessments:
- Source Documentation First: We never base reviews on marketing brochures. Every finding is referenced directly back to the active card agreement clauses.
- Standardized Scoring: Our Fine Print Impact Score (1 to 5) measures the impact, complexity, and profile-specificity of key restrictions.
- Consumer-Reports Standards: We remain objective and constructive. Our goal is not exposé journalism, but rather serving as a clear analysis resource for everyday credit card users.
Disclaimer
General information only. CardTruth's content is for general information. It is not financial, legal, tax or insurance advice, and it doesn't take your personal circumstances into account.
Read the issuer's documents yourself. We review each card's cardholder agreement, disclosure statement, insurance certificates and rewards terms, but we summarize them, they change without notice, and we can make mistakes. Each page reflects the documents as of its “Last Updated” date. The issuer's own documents are what govern your card, and they prevail over anything on this site. Read them in full, and confirm rates, fees, offers and insurance coverage with the issuer, before you apply for a card or rely on a benefit.
Estimates are opinions. Point values marked as a CardTruth estimate, Fine Print Impact Scores and recommendations are our editorial judgement, not guarantees of value.
No liability. To the extent permitted by law, CardTruth is not responsible for any loss arising from reliance on this site.
Independence
CardTruth is not affiliated with, endorsed by or paid by any card issuer, and has no affiliate or advertising relationships. Card names and trademarks belong to their owners. If we ever earn referral compensation, we'll say so here and next to every affected link, and it won't change our analysis or scores.