Creduman turns raw credit data into simple, personalized action plans. Manage every card in one place, earn more rewards, and understand your credit in plain language.
Today at a glance
Nearby
Metro, Groceries
Use your Momentum Card here
Payments
Cash Back Visa due in 3 days
Pay this card first to save on interest
Forecast
Spending is 12% lower this month
You are on track for your goal
Payments, rewards, and insights together in one place. Select the cards you have, and Creduman does the rest.
Cash Back Visa
Pay firstRewards Mastercard
Due in 12 daysTravel Card
PaidEvery card from every bank in one clear dashboard. Payment reminders and smart repayment plans keep you in control, with no more juggling five apps.
Tim Hortons
Coffee, 200 m away
Use this card
Your Cash Back Card
Creduman sees the merchants around you and recommends the best card for each one. Every grocery run, coffee, and fill-up earns what it should.
Insight: Your dining spend is down 15%. Keep this up and you will hit your savings goal early.
We analyze your spending and forecast what comes next. Clear insights in plain language, so you can make better decisions.
Start in demo mode with sample data. Connect your real accounts only when you are ready.
Pick the credit and rewards cards you carry. Each one comes loaded with demo transactions, so there is nothing to connect yet.
See multicard management and smart forecasts working on sample data. This shows exactly what happens when you connect your real cards.
Card recommendations near you work on live data from day one. They only need your location and the cards you picked.
When you are ready, connect your real cards. Demo data is replaced with your own, and everything you explored starts working on your actual accounts.
Creduman only reads your data. We cannot move money, make payments, or change anything on your accounts. You stay in full control, and we make sure you never miss a thing.
No write access and no transactions, ever. Creduman recommends, and you decide.
Your data is encrypted in transit and at rest with enterprise-grade security.
Disconnect any card or delete your data at any time, in one tap.
Read-only. Always.
Your accounts, your money, your decisions. Creduman only observes and advises.
Geo-rewards is also available as its own focused tool. Same cards, same map, built for reward-hunters.
A few simple facts about credit in Canada. Creduman puts each one to work for you.
Payment history is one of the biggest factors that affect your credit score.
Creduman reminds you before every due date.
Keeping your card use (utilization) under 30% of your limit helps your score.
We watch your usage across all cards and warn you early.
Different stores reward different cards. We help you choose the best one every time.
Geo-rewards picks the right one for you at every merchant.
Understanding your credit habits helps you make better decisions with your cards.
Stay informed with Creduman as often as you like.
If you have another question, reach out any time.
Yes, it is free to start. You can select your cards and explore the full platform in demo mode without paying anything.
No. Demo mode uses sample transactions, so you can see how everything works first. Geo-rewards even works right away, since it only needs your location and the cards you picked.
No, never. Creduman has read-only access. We can see your data to give you insights, but we cannot touch your money or change anything on your accounts.
No. Creduman does not run hard credit checks. Looking at your own credit information is a soft check, and soft checks do not affect your score.
You can disconnect any card or delete your data at any time, in one tap. Your data belongs to you.
No. We share educational information and general insights to help you make your own decisions. For personal advice, please speak with a licensed professional.
Select your cards and start exploring in demo mode in under a minute. No real accounts needed to begin.
Get started freeFree to start. Read-only access. Demo mode included.