How it works
One tap. Smarter every time.
Link your cards once. At checkout, OneCard routes each purchase to whichever card earns the most.
- 1
Link your cards
Add your reward cards to your OneCard wallet.
- 2
Tap once
Pay with OneCard. We match the merchant and route automatically.
- 3
Earn more
Rewards still post on your existing accounts.
FreshMart · Secure checkout
Your cart
Payment
Card number
Expiry
CVC
Name on card
Universal wallet
JOHN SMITH
American Express Cobalt Card
OneCard found your best card for this checkout. Pick this card manually when you pay.
Apple Pay
Universal wallet
JOHN SMITH
Hold Near Reader
Loblaws
$118.40
Tap to pay
Approved
$118.40 · Loblaws
Merchant
Loblaws · $118.40
Wallet analysis
Amex Cobalt
Membership Rewards
Scotia Gold Amex
Scene+ points
TD Cash Back
Cashback
CIBC Dividend
Cashback
RBC Ion
Avion points
Charged to Amex Cobalt
Rewards post on your existing account
Your wallet
Linked cards
Amex Cobalt
Amex · MR points
CIBC Dividend
Visa · Cashback
RBC Ion
Visa · Avion
BMO CashBack
Mastercard · Cashback
Bill pay
Auto-routed bills
Universal wallet
JOHN SMITH
OneCard
One tap. Smarter every time.
- Tokenized routing — card numbers never touch our servers
- Rewards post to the accounts you already use
- Built for long-term use, not a weekend hack
Under the hood
What happens in one tap
You tap once with OneCard. We read the merchant category, pick the best card in your wallet for that purchase, and route the charge through a secure token — your full card numbers never touch our servers. Rewards still post on whichever real account earned them.
- 1
Tap OneCard at terminal
Same contactless tap you use today.
- 2
Detect merchant category
MCC code maps to dining, gas, groceries, and more.
- 3
Routing engine picks best card
Earn rates and bonus caps scored in milliseconds.
- 4
Charge posts to that card
The purchase settles on your real Visa, Amex, or Mastercard account.
- 5
Rewards land as usual
Points or cashback post on the account you already use.
Your annual story
One default card vs. routing every tap
Adjust typical monthly spend by category. We estimate rewards using the same earn rates and caps as the simulator — with your linked wallet when available.
$1,645/mo total · estimates are illustrative, not a guarantee
Extra rewards per year with OneCard
+$1,164.60
vs. always using default payment methods
Always default card
$245.40
estimated annual rewards
OneCard routing
$1,410.00
estimated annual rewards