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The right credit card,
at every checkout.

Fruga is a free Chrome extension for Canadians. Point at Place order and it shows which of your cards earns the most, and why. No bank login. No card numbers.

Add to ChromeComing soonSee how it works
Example with a sample wallet and Fruga's default point values.

Built for cards from Canada's banks and card issuers

  • American Express
  • TD
  • RBC
  • Scotiabank
  • CIBC
  • BMO
  • National Bank
  • Tangerine
  • Rogers Bank
  • Wealthsimple
  • PC Financial
  • Canadian Tire
Canadian cards
41
Issuers covered
12
Canadian stores recognised
73
Card numbers we store
0

How it works

Three steps. The last one is shopping.

  1. Build your wallet

    Search for the cards you own, like "Amex Cobalt" or "Tangerine Money-Back", and add them. Pick your bonus categories where a card lets you choose. No numbers, no logins.

  2. Shop as you already do

    At a checkout, Fruga recognises the store and the order total. A small Fruga reminder waits quietly in the corner.

  3. Point at Place order

    Your best card slides in, marked with the Fruga symbol. You see its estimated value, why it wins and the next best card. Open it for the full calculation.

Private by design. We never need your data.

The free extension keeps your wallet in your browser on your device, sends nothing to us, and never touches your payment details.

Read the privacy policy

  • No bank login

    Fruga never asks for online banking credentials and never connects to your bank in the free extension.

  • No card numbers

    Add cards by product name. A nickname or last 4 digits is optional. Never the full number, expiry or CVV.

  • Stays on your device

    Your wallet, point values and settings live in your browser. Export or delete them any time.

Cards

Every card's earn rates, in plain numbers

Browse all 41 cards

American Express

American Express Cobalt Card

≈ $864.72 a year after fees, on a typical budget

Annual fee
$155.88
Earns
American Express Membership Rewards
FX fee
2.5%
  • 5×Eats & drinks *
  • 3×Streaming
  • 2×Gas, transit & travel
  • 1×Everything else
  • Points

Learn

Guides for every stage of your wallet

All guides
First card

Your first credit card in Canada

How credit cards actually work, how to pick a first card you won't regret, and the three habits that build a strong credit score.

3 min readNewcomers

New to Canada? Building credit from day one

Your credit history from home doesn't move with you. Here's how newcomers get a first Canadian card, build a score quickly and avoid the common traps.

3 min readStudents

Credit cards for international students

Study in Canada, leave with a credit history. What you need to apply, which cards are realistic, and how to handle tuition, rent and money from home.

3 min read

Coming next

Fruga Sheets: Budget Tracker

A free Google Sheets budget built around Canadian reward categories. It shows where your money goes, and which card should be paying for it.

What's planned

Put your rewards on autopilot.

Fruga for Chrome is in final testing and will be on the Chrome Web Store soon.

Add to ChromeComing soon

Not sure if Fruga is right for you?

The questions people ask first. More in the full FAQ.

Is Fruga free?

Yes. The Fruga Chrome extension is free, with no account and no ads.

Does Fruga need my bank login or card number?

No. You add cards by choosing the product, for example "CIBC Costco Mastercard". If you like, you can add a nickname or the last 4 digits to tell two similar cards apart. Fruga never asks for full card numbers, expiry dates, security codes, statements or banking passwords.

How does Fruga know I’m at a checkout?

Once you turn on checkout detection (Chrome asks for your permission), Fruga recognises checkout pages on its own and reads only the store and the order total. When you point at Place order or Pay, your best card slides in.

How does Fruga choose the best card?

Fruga recognises the store you’re checking out at and compares every card in your wallet for that purchase. It recommends the one likely to earn you the most, valued with the point values you choose, so your rewards are maximized every time you shop.

Is my information shared or sold?

No. In the free extension, everything you enter stays in your browser on your device. It isn’t sent to us or anyone else. Details are in our privacy policy.