Disclosures

Affiliate compensation

TopRates.ca, operated by Webhub4u Inc., may earn commissions from product providers when you click links on this site and complete an application or purchase. This is called affiliate compensation and is the primary way we fund the site.

What this means

• If you apply for a credit card through our “Apply Now” link and are approved, the issuer may pay us a one-time referral fee.
• Compensation amounts vary by product and provider. Specific per-product commission rates are subject to confidentiality clauses with each partner.
• The list of products we feature is broader than the list of products that pay us — we include products we earn nothing on if they are the best fit.
• You pay the same price clicking through our link as you would going direct. There is no markup to the consumer.

What compensation does not affect

• Our scoring algorithm or rankings — the math is published at /credit-cards/methodology.
• Which products we list or where they appear in our rankings.
• Our editorial reviews, recommendations, or category placement.

Regulatory compliance

Our affiliate disclosures follow the Competition Bureau of Canada’s guidance in The Deceptive Marketing Practices Digest, Volume 4 (June 2018) on influencer marketing, savings claims, and material connections. We disclose affiliate relationships at the top of every page where affiliate-linked products appear and on this dedicated page.

Advertising

Where TopRates.ca displays advertising — including display ad units, sponsored content, or partner placements — those placements are clearly labelled. Advertising never appears as editorial recommendation, and ad placement does not influence which products we feature or how we rank them.

Editorial separation

• Scoring weights and methodology are published. The math is public.
• Rankings are computed by algorithm, not by editor preference.
• A ranking flagged as suspicious can be audited against the methodology — the math is the math.
• We do not run pay-to-be-ranked placements.
• We do not list products under fake or generic names. All listings will be real, named, current products from real issuers and providers.

Refresh & accuracy

Product terms (rates, fees, sign-up bonuses, insurance coverage) change frequently. We commit to a quarterly review of every featured product with a “last reviewed” date on each listing, and a same-day update when an issuer announces a major change — for example, removing a category bonus or repricing an annual fee.

If you spot stale information, please contact us.

Recognising affiliate links

When you click an “Apply Now” or similar action button on TopRates.ca, your destination URL may include tracking parameters that identify TopRates.ca as the referring site. Once you click, you are on the issuer’s site — TopRates.ca cannot influence or guarantee the terms you are offered there. Final approval, pricing, and product terms are at the issuer’s sole discretion.

TopRates.ca does not sell your application data to lead-buyers. Affiliate links go directly from your click to the issuer’s site.