Carnet

Affiliate disclosure. Carnet may earn a commission or referral credit when you use links on this page. It never changes what we write. Links below are placeholders until each program approves Carnet. Read the full disclosure.

Offers, read carefully

The programs Carnet covers, what each one is, and what to check before you sign up. We don't show bonus amounts until we can date-stamp them from the provider's own terms.

Not yet active

Cashback portal

Rakuten.ca

Cash back on purchases at partner retailers when you start from Rakuten.ca or its app. Paid quarterly by Interac e-Transfer, cheque or PayPal.

Check before you sign up

  • Store-specific exclusions (gift cards, some categories)
  • Coupon codes not listed by Rakuten can void cashback
  • $5.01 minimum before a payment is sent

Program: Rakuten Canada · Affiliate link

Link coming soon: Rakuten.ca Related note
Not yet active

Online brokerage

Questrade

A Canadian online broker offering self-directed and managed investing in registered (TFSA, RRSP, FHSA) and non-registered accounts.

Check before you sign up

  • Trading, account and foreign-exchange fees on the current fee schedule
  • Bonus conditions and holding periods, if any
  • Which account types the offer applies to

Program: impact.com · Affiliate link

Link coming soon: Questrade Related note
Not yet active

Investing app

Wealthsimple

An app for self-directed trading, managed portfolios and a cash account, including TFSA, RRSP and FHSA options.

Check before you sign up

  • Plan tiers and what each one charges
  • Currency-conversion costs on U.S. trades
  • Terms of any referral or transfer bonus

Program: impact.com · Affiliate link

Link coming soon: Wealthsimple Related note
Not yet active

Money app

KOHO

A financial app with a prepaid Mastercard, savings interest and cashback on eligible spending, offered through plans at different monthly prices.

Check before you sign up

  • Monthly plan cost against the cashback and interest you would actually earn
  • Which purchase categories earn cashback
  • Conditions on any sign-up credit

Program: impact.com · Affiliate link

Link coming soon: KOHO Related note
Not yet active

Books & tools

Amazon.ca

Occasional links to books and simple tools mentioned in Carnet notes, such as personal-finance books or a paper ledger.

Check before you sign up

  • Price and seller at checkout
  • Whether a library copy would do
  • Return window

Program: Amazon.ca Associates · Affiliate link

Link coming soon: Amazon.ca

Our criteria

How a program gets listed

  1. Available to Canadian residents, with terms published in Canada.
  2. Fees and conditions disclosed clearly enough to explain in a note.
  3. Relevant to what Carnet teaches: registered accounts, fees, bonuses, cashback.
  4. Commission rate is not a criterion, and placement is never sold.

Suggest a program or report an issue: [email protected]

Order: cashback first, then investing and money apps, then books. Placement is not paid for. Products are listed for education; none is a recommendation for your situation. Read the provider's current terms before applying; our note How to read a sign-up bonus's fine print walks through the clauses that matter.