How does the card check work?

habitt matches your linked cards to their published reward rates, sorts three months of purchases by category, and compares what you earned with what your best card for that category would have earned. Purchases it can’t match are counted as unchecked, never guessed.

Can habitt move my money?

No. habitt connects to your accounts with read-only access. It sees balances and transactions so it can show you the whole picture; it can’t move money.

No. habitt Technologies Inc. is a Canadian fintech company, not a bank, lender or insurer. Your money stays where it is.

Compare

habitt and Neo.Earn it. Then check it.

Neo Financial offers cash-back cards and an everyday account. habitt checks whether you are using the right card for each purchase across all your cards. What each does, and who each suits.

What Neo Financial is

Neo Financial is a Canadian company with cash-back credit cards, an everyday account with no monthly fee, a high-interest savings account and mortgages, plus extra cash back at partner stores.

Neo’s App Store listing describes an Everyday account with no monthly fees or minimum balance, cash-back credit cards, secured cards to build credit, a high-interest savings account and Neo Mortgage.
Source: Neo Financial on the App Store (Canada)

Checked on October 31, 2026. Plans and prices change, so check Neo Financial for the latest.

What habitt does

habitt isn’t an account you move your money into. It reads the accounts you already have, with read-only access, and puts them in one picture: budgets built from your spending, bills, alerts, and an AI CFO that answers questions with your own numbers.

Neo Financial suits you if

You want a cash-back card and an everyday account from one company, with partner offers.

habitt suits you if

You carry more than one card and want to know which one to use where. habitt’s card check looks at your last three months and shows where another card you already hold would have earned more.

Using both

A good card is only good if it’s the one you reach for. habitt looks at every card you link, the Neo card included where it can be linked, and tells you which one wins in each category.

Questions

How does the card check work?: habitt matches your linked cards to their published reward rates, sorts three months of purchases by category, and compares what you earned with what your best card for that category would have earned. Purchases it can’t match are counted as unchecked, never guessed.
Can habitt move my money?: No. habitt connects to your accounts with read-only access. It sees balances and transactions so it can show you the whole picture; it can’t move money.
Is habitt a bank?: No. habitt Technologies Inc. is a Canadian fintech company, not a bank, lender or insurer. Your money stays where it is.

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