Get more from the rewards you already have.
Loyalty Concierge is a personal rewards advisor for Canadians. We help you use the right card, redeem the right way, and stop leaving points on the table.
We built Loyalty Concierge to make that decision for you — clearly, quietly, and grounded in your actual wallet.
Hi, I'm Mackenzie Jackson, founder of Loyalty Concierge.
I built Loyalty Concierge because I was frustrated by how difficult it was to know whether I was actually getting the most value from my credit cards and loyalty programs.
Some of our family's best memories have come from travelling together. As our family has grown, so has the cost of creating those experiences. Like many Canadians, I wanted to find smarter ways to make those experiences more affordable while getting more value from the money we were already spending.
As I started researching rewards programs and credit cards, I quickly realized just how complicated everything had become. Every bank claimed to have the best card. Every website recommended something different. Keeping up with changing welcome offers, loyalty programs, transfer partners, annual fees, and earning rules felt like a part-time job.
I couldn't find a tool that simply looked at my wallet, understood my goals, and told me what was actually best for me.
So I decided to build it.
The Problem I Saw
Most Canadians don't need another credit card.
They need help getting more value from the cards they already have.
Rewards programs should make everyday spending more rewarding, but for many people they've become confusing, overwhelming, and difficult to keep up with.
I believe there should be an easier way.
Why Loyalty Concierge Exists
I built Loyalty Concierge to be the platform I wished existed.
One place that understands your current wallet, your goals, and your spending habits, then gives you clear, personalized recommendations that are actually useful.
Not endless comparison articles.
Not generic "best credit card" rankings.
Not recommendations driven by affiliate commissions.
Just straightforward, personalized guidance designed to help you make better decisions and get more value from the money you're already spending.
Our Philosophy
Everything we build starts with one simple principle:
"Maximize the value of the cards you already own before recommending anything new."
If your current wallet is already the best fit, we'll tell you.
If there is a better option, we'll explain exactly why.
We're not trying to help you collect more points.
We're trying to help you get more value from every dollar you already spend.
My Commitment
Building trust takes time, and I believe it starts with transparency.
That means being honest about how recommendations are made, being clear about how Loyalty Concierge makes money, continuously improving our data, and welcoming feedback whenever we get something wrong.
Loyalty Concierge is still growing, but the goal is simple:
To build the most trusted loyalty platform in Canada.
How Loyalty Concierge Works
A simple, four-step process from wallet to recommendation.
- 1Step 1Tell us which cards you already have.Add the credit cards in your wallet today — no bank connection required.
- 2Step 2Tell us your goals and spending habits.Travel, cash back, family, or simplicity — plus roughly where you spend each month.
- 3Step 3Our recommendation engine analyzes your wallet.We score how your current cards perform against how you actually spend.
- 4Step 4Receive personalized recommendations.Designed to maximize the value of the cards you already own — before suggesting anything new.
Our Recommendation Philosophy
Every recommendation is grounded in one idea: what's most valuable for the member in front of us.
- We optimize the cards you already own before recommending new ones.
- Every recommendation is personalized to the information you provide.
- Rankings are intended to prioritize expected value to you.
- Affiliate relationships do not determine how recommendations are ranked.
- If your current wallet is already well suited to your needs, we'll say so — no move is a valid move.
- Recommendations are educational information, not financial advice.
What we do
- • Score how well your current wallet earns for how you actually spend.
- • Tell you the best card in your wallet for every merchant and category.
- • Show exactly how much reward value you're leaving on the table each year, and the ranked moves to reclaim it.
- • Answer your questions using your real cards, programs, and spending — not generic advice.
How we think about your data
We only ask for what makes the recommendations useful — your cards, your programs, roughly what you spend, and where. We do not connect to your bank. We do not see your transactions. We never sell your data. See our Privacy Policy for details.
How we make money
Loyalty Concierge is currently free during beta.
In the future, some links may be affiliate links — meaning we may earn a commission if you're approved for a product after clicking through.
Members do not pay any additional fees for using an affiliate link.
Affiliate relationships do not determine how recommendations are ranked.
Affiliate links will be clearly identified wherever they appear.
Our aim is to recommend what is most useful for you — including situations where no new card is recommended.
See our Affiliate Disclosure for the full policy.
Our Commitments
The standards we hold ourselves to — for every member, every recommendation.
We prioritize the cards you already carry before suggesting new ones.
We clearly disclose affiliate relationships wherever they appear.
We do not require — or ask for — a connection to your bank accounts.
We work to keep card and loyalty program information current.
When we identify an error, we work to correct it as quickly as reasonably possible.
We are committed to transparency in our reasoning, respect for your privacy, and accuracy in what we present.
Contact
Product feedback, partnership questions, or press: support@loyaltyconcierge.ca.