Earn & Save: Free Ways to Get More From Your Money in Canada
A calm, unbiased directory of cash-back apps, rebates, loyalty programs, and hidden benefits Canadians often miss.
Apps That Pay You Back
Free apps and tools that put money back in your pocket on everyday purchases.
Grocery Cash-Back Apps
Earn cash back on everyday grocery purchases
Receipt Scanning Apps
Scan receipts and earn points or cash
Gas Savings Apps
Find the cheapest gas and earn fuel rewards
Browser Cash-Back Extensions
Automatic savings while you shop online
Round-Up Savings Tools
Automatically save spare change from purchases
Loyalty Points Optimizers
Maximize value from existing loyalty programs
Benefits You May Be Missing
Many Canadians don't claim benefits they're entitled to. Check if you qualify.
Canada Groceries and Essentials Benefit (CGEB)
Tax-free quarterly payments for low and modest incomes — formerly the GST/HST credit
Climate Action Incentive
Quarterly payments to offset carbon pricing costs
Canada Workers Benefit
Refundable tax credit for low-income workers
Disability Tax Credit
Non-refundable credit for eligible disabilities
Provincial Rent Credits
Tax credits for renters (varies by province)
Utility Rebates
Energy efficiency rebates and bill assistance
Student Grants
Free money for education (not loans)
Newcomer Benefits
Programs specifically for new Canadians
Find Benefits You Qualify For
Answer a few quick questions to see which benefits and programs you may be eligible for.
Which province do you live in?
Earn While You Spend
Maximize rewards on money you're already spending.
Cash-Back Debit Accounts
Earn rewards on everyday debit purchases
Points Programs
Maximize rewards from credit card spending
Grocery Loyalty Programs
PC Optimum, Scene+, and more
Gas Loyalty Programs
Petro-Points, Journie, and more
Travel Points
Aeroplan, WestJet Rewards, and more
Free Credit Monitoring
Track your score at no cost
Download Your Free Guide
Get a clean PDF with the top apps, rebates, eligibility checklist, and official links.
Official Sources