Best matchDetected automatically
Best grocery card
$2.5922% usedWhy this cardBest grocery earn with credit use still low.
Onalys Wallet
Never think about which card to use again.
Onalys Wallet auto-routes your purchases to your highest-reward card every time you pay.
Private beta shows the card before checkout. Contactless routing follows Apple and partner approval.
Private accessiPhone + iPad betaNo card number savedCanada + U.S. cards
Works with the cards you already have
Built for Canada and U.S. rewards cards.
Onalys compares verified rewards and, when Card Care is connected, current credit use.
Canada and U.S. cards, clearer choices.
ScotiabankTDRBCCIBCBMOAmex*TangerinePC FinancialTriangleRogersMBNAChaseCapital OneCitiDiscover
NFC & tap-to-pay
Tap-to-pay follows Apple and partner approval.
Tap-to-pay with Onalys depends on Apple approval plus supported card, network, and partner setup. Until then, Wallet helps you choose the right card before you tap.
NextTap-to-pay in Wallet
NeededApple + partner approval
NowBest card before you tap
How it works
Add cards once. Check faster at checkout.
Add your cards
Scan the cards you already carry. Wallet only needs the details required to compare them.
Wallet checks the purchase
Wallet checks checkout context, the purchase type, and verified rewards.
See the best card
Open Pay and see the card plus the reason. No spreadsheet, no guessing.
What Wallet checks
Four quick checks before the card choice feels obvious.
Card Care adds current credit use when you choose to connect it.
Where you are paying
Wallet uses checkout context without showing your exact address here.
What you are buying
Groceries, travel, subscriptions, and everyday purchases can reward differently.
How used the card is
When Card Care is connected, Wallet can check current credit use too.
Your settings
Your rules stay part of the pick, and you can change them later.
Simple setup
Add cards, approve safe signals, and let Wallet keep the comparison ready.
Onalys never stores
Your bank password, CVV, PIN, or magnetic-stripe data.
Read-only first
Wallet starts by showing the best card and the reason before any payment action.
Secure bank sign-in
Bank sign-in happens in the provider's secure screen. Onalys does not store your password.
You stay in control
You choose what to connect, remove, and let Wallet use.
Before and after
Fewer guesses before checkout.
One glance should tell you the card, the reward, and the reason.
Before Wallet
You remember card rules, compare rewards, and check each card yourself.
With Wallet
Open Pay. Wallet shows the card and the reason before you tap.
Questions before you join
Short answers about access, cards, checkout, and privacy.
Wallet shows the card to use before checkout, plus the reason it picked that card.
Private beta
Let Wallet pick the card before checkout.
Request an invite for the iPhone and iPad beta.