Dracit is a rewards audit for Canadian wallets. Instead of pushing you toward a new card, it shows the money your current cards are leaving behind — and the simplest way to recover it next month.
Credit-card rewards in Canada are a maze. Every card has different categories, multipliers, caps, and fine print, and the standard advice is always the same: apply for another card. That advice serves the comparison sites and the issuers — not the person trying to make sense of their own spending.
We started Dracit on a simpler premise: most people are already carrying the right card for the job. They just reached for the wrong one at the till. Before anyone considers a new application, the highest-value, lowest-effort move is to audit the cards already in the wallet and reallocate spend. That’s a one-time decision that pays out every month.
The first useful action is understanding what you already earn — not a comparison table of cards you don’t own.
We optimise the cards you carry before ever suggesting a new one. A new application is a last resort, not a first step.
No black box. Every dollar of missed rewards traces back to a published rate you can verify yourself.
No bank login, no card numbers, no cloud database of your financial life. Less data collected is less data at risk.
Dracit is for the millions of Canadians who already hold two or three decent cards and suspect they’re not using them well — but don’t want to become a points hobbyist to find out. If you’ve ever paid for groceries with the “wrong” card and wondered what it cost you, that’s exactly the question Dracit answers.
Dracit is made for Canadian rewards programs, categories, and cards. We are independent and not affiliated with any bank, card issuer, or payment network.
Add the cards you carry, upload one statement, and get a short, readable fix for next month.