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Best credit cards canada reddit?

Best credit cards canada reddit?

We'll help find the one. We would like to show you a description here but the site won't allow us. Top-Wolf9846 ago. Cobalt has up to 10 cpp earn rate by transferring MR to AP points, while AP VI gives you insurance on AP point redemption flights and AC perks. Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points. We would like to show you a description here but the site won't allow us. Savvy New Canadians carefully analyzed 188 credit cards in various categories and assessed them based on their rewards, top features, insurance benefits, fees, interest rates, and perks. Currently a student looking for a credit card for groceries. $29; waived in 1st year. We would like to show you a description here but the site won't allow us. We would like to show you a description here but the site won't allow us. Travel cards are mostly trash rewards for daily use and are only worth it for the sign up bonuses. We want common sense housing laws that ensure: transparency and ample housing stock, to make Canada's housing the most affordable in the G7. A subreddit for discussing credit cards. The best balance transfer credit cards can help you save big on credit card interest. $120/year with no fee for additional cards up to 99 employees Reply. We would like to show you a description here but the site won't allow us. Plus once you get 300 points you get 10 cents off a litre. For the best card to use WHILE traveling, we only have a couple options in Canada which were already mentioned (Scotia and HSBC) due to no foreign exchange fees. When everyone seems to be making more money than you, the inevitable question is. At a glance Capital One miles can be redeemed at fixed value to cover. We would like to show you a description here but the site won't allow us. TacoShopRs Just get the best cashback card you can. Compare earn rates, benefits, fees, and find your ideal card. TD or CIBC Areoplan Visa Infinte Privilage (Aircanada/visa benefits) Your go to is probably Amex Plat or Visa Infinte Privilage! Tangerine MasterCard - 2% on 3 categories. The MBNA Elite MC also has free secondary cards For our household spending patterns it's better, with net cash back about 25% more than the Scotia VISA Infinite. Many offer primary coverage, saving you the trouble of using your insurance. We would like to show you a description here but the site won't allow us. Discover the best low-interest credit cards in Canada reviewed by Forbes Advisor. If you own a small business, accepting credit cards is critical to your success. Travel cards are mostly trash rewards for daily use and are only worth it for the sign up bonuses. I use the grocery store gift card trick so I can earn 5x points on other purchases as well (Say you need something from Ikea. If you are determined to get a points card and earn at least $80k/year, the National Bank World Elite MasterCard or the MBNA Rewards. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. With the increasing popularity of credit cards, it is important to know how to us. In some cases, this option can be the absolute best way and easiest way for a business to accept credit card payments. Since it will be your first, focus on paying it off when statement comes out to build your credit history and rating. Learn about the best Costco credit cards in Canada for earning cash back when you shop. All 3 pays at least 1 The Rogers WE MC is a no annual fee MC but has a $15k annual minimum spend requirement. Seconding the Scotiabank passport visa. The reasons why you'd want a card to pair with the Cobalt are 1) for places that don't take Amex, 2) for purchases in foreign currency, 3) for a higher base earn rate for purchases besides restaurants, grocery, and travel. (feel free to pm/dm if you want more details) I really like TD Visa Infinite First Class for its easy points redemption. The vast majority of this is buying from electronic suppliers (smaller ones usually, but BestBuy and Amazon are frequently purchased from as well). Simpli Cashback Visa. How much depends on which bureau, which credit score and also whether you go from 15 to 14 years or from 15 to 3 years. And one on phone often gets block so you have to call them. Points however can only be exchanged for statement credits at 0 Points howver can get transferred to krisflyer, asia miles, and avios to raise cpp value. We would like to show you a description here but the site won't allow us. If not, your next best cards are the Tangerine MasterCard or Simplii Visa. CAPITAL ONE = $59/$79, secured and unsecured MC, NO rewards, hard credit check, need a bank account, report to both credit bureau. We would like to show you a description here but the site won't allow us. Cash back is cash back which can be used as statement credit/depending which back you are with can auto deposit. And one on phone often gets block so you have to call them. This is not your situation. To sign up for Walmart credit card paperless billing in Canada, go to Manage Your Account on the official website, accept the terms and conditions, verify your account, and set up. But earn points faster with Amex, depending which card. I currently have the AMEX Aeroplan Business Reserve card. We would like to show you a description here but the site won't allow us. Glad I switched a year ago. Since it will be your first, focus on paying it off when statement comes out to build your credit history and rating. TD or CIBC Areoplan Visa Infinte Privilage (Aircanada/visa benefits) Your go to is probably Amex Plat or Visa Infinte Privilage! Tangerine MasterCard - 2% on 3 categories. In your case, you should go to the bank or credit union you do your day-to-day banking at and ask for a basic no-fee credit card. American Express Cobalt. What is your income level (for credit card qualification)? Feel free to ask people for help looking up your credit score. Every $2000 you leave in a chequing account when 5% interest is available is a $100 yearly fee. Easiest would be to either do the Amex global transfer, if she has an Amex in Canada, or use Nova credit to obtain a US Amex card based on her Canadian credit. $29; waived in 1st year. Amex Platnium $600 Amex Areoplan Reserve $600 Visa Infinte Privilage Cards (TD, CIBC, BMO, RBC, Scotia Bank) $300-$600 annual fee. Credit cards for no or bad credit in Canada include secured, prepaid and unsecured cards fit for poor credit scores or no credit history. I travel infrequently (for pleasure) with my family and use the. For prepaid, Wealthsimple Cash card or EQ Bank Card are also good options. 2% cash back on EVERYTHING, plus extra with certain merchants (10% Lululemon, 3% IIRC Nike and Apple and many more). We would like to show you a description here but the site won't allow us. ca Jul 9, 2024 · Get 20,000 points on your first purchase, 20,000 points by spending $4,000 in the first four months and 30,000 bonus points if you spend $25,000 before your card anniversary Jul 5, 2024 · Best overall travel rewards credit card American Express Cobalt Annual fee: $156. DUCA/COLLABRIA - I opened this because my entire family is at Duca and it's a credit union I use it as a just in case card since it has low interest rate no cashback - $500 limit. Simplii offers a lucrative 4% back on restraunts/bars, otherwise 1. Cobalt has up to 10 cpp earn rate by transferring MR to AP points, while AP VI gives you insurance on AP point redemption flights and AC perks. In the end it really depends on whether you want no fx fee and lounge passes, or the best cashback card. Scotiabank Amex is better but is not accepted mostly everywhere in South America, and even in lots of Europe. Use Amex cobalt for grocery and restaurants. We would like to show you a description here but the site won't allow us. Find out how to simplify your finances and save money by consolidating your credit card debt with the best lenders of 2024. In some cases, this option can be the absolute best way and easiest way for a business to accept credit card payments. 5% (at least for CAD<>USD) spread from interbank rate, then your bank tacks on the 2. We would like to show you a description here but the site won't allow us. Most of TD's non-aeroplan cards are pretty bad. The Valero New Card is designed to offer customers more benefits and. I don't know if it is offered to introductory cardholders though. 5% fx fees on the card and 1% cash back. I am a novice to personal financing and I am looking for a wise opinion on the card, and whether it is a good credit card compared to other credit cards out there. First of all, dang you (uni student) would probably know more about credit card than most other people in this country, including myself. shift property management Home Trust Preferred Visa is a no fee credit option. This is especially true when it comes to managing your financial responsibilities, such as paying your cred. Then keep the card around cuz $0 annual fee and have it load your Amazon account every month for a few bucks best business credit card. Hello, RBC is offering me an RBC Avion Visa Platinum card. We would like to show you a description here but the site won't allow us. Best airline travel credit card (Air Canada) TD Aeroplan Visa Infinite Card Annual fee: $139. No guarantee/minimum. Yea scotia has lots of good cards. Uncover exclusive benefits, ratings, eligibility, and expert comparisons. 3x points on restaurants, office supplies and gas. There is an AMEX Starwood card that is pretty good for rewards (again if you travel). Discover the best AMEX cards in Canada for top rewards, perks, and expert recommendations. 35k bonus points is worth minimum $350, which pays off 2 years of annual fee. 1 bed flat to rent in brownhills Any really good Visa Infinite and World Elite Mastercards are going to have high income requirements. Home Trust Preferred Visa is a no fee credit option. Or is the Scotiabank passport visa infinite a better option since they're waiving the first year fee, plus offering $300 in points. Since you seem to want lounge access, you seem to be looking for a card in the travel perks category. If you own a small business, accepting credit cards is critical to your success. Are you planning a trip but don’t have a credit card? Don’t worry, booking a hotel without a credit card is still possible. The best gas credit cards in Canada for 2024 We break down the top credit cards in the country that'll help you save at the pump—with either cash back or rewards points. We would like to show you a description here but the site won’t allow us. We may be compensated when you click on product links, such a. Using $4200 you'd get $42 per additional percent of Cashback. So there was talk throughout this sub about how someone should compile a list of all the major credit cards in Canada, their sign-up bonuses, annual fees, whether the first year is free and any other pertinent information. TD bank does offer the TD U Dollar Visa and bank accounts in USD, but you would still have to pay the credit card balance with a Canadian based bank account. We would like to show you a description here but the site won't allow us. We would like to show you a description here but the site won't allow us. The RBC card has way better perks and is GIC backed for the secured part, SO YOU GAIN INTEREST ON IT! Only downside is the $1000 minimum. Still not worth it with the $110 fee drop. Andrews Federal Credit Union GlobeTrek Visa — no annual fee, no forex fees (you can become a member for a $100 checking deposit. Rogers World Elite - 1. No blackouts, minimal restrictions. Plus, more than half. palomar cb amplifier Learn about its cash back rewards, interest benefits, and considerations to decide if it suits your needs. Credit cards used to just offer flexibility when you needed to pay for something before payday but now they can be used as a reward card offering cash back or air miles every time. The AMEX charge cards (gold, plat, etc) are better than their credit cards (there is a difference) and the fees are high - but again the rewards (front of the line fix) are very nice jamar0303. "No annual fee" will basically eliminate any card with decent insurance so that doesn't make sense. We would like to show you a description here but the site won't allow us. I travel infrequently (for pleasure) with my family and use the. These cards are available in $25, $50, $100, $200, $500, and $1,000 denominations. Use your Amex card to buy gift cards for gas/Home Depot/ whatever and get that sweet points balance to shoot up. I would recommend using this one card for a bit (6-12 months) then applying for another Reply. Added link for $200 credit on MBNA Alaska (great offer!) GCR boosted at $125 for Tangerine. Personally I use credit for purchases and a prepaid card like EQ for ATM withdrawals Nezgar ago • Edited 1 yr Simplii Cashback Visa and Tangerine MasterCard are both good no-annual fee options if you qualify: Simplii Visa states minimum $15,000 income, Tangerine is $12,000. The first credit card I got was Signature RBC Rewards Visa with a CL of $1000 (I actually got it at 12:01am on my 18th birthday). NEO = no fee, secured and unsecured MC. No foreign transaction fee: Scene+ points: You'll get a 5-1. American Express Gold Rewards. The market of cards with that benefit became bleaker once HSBC left no FX fees no annual fees. From what i searched till now amex core card looks the best. For example, if you spend a total of $1000 in a typical month, a 2% card would give you $20, but to earn that $20 on Momentum, it would require $333. I'd go with an amex cobalt for day to day use, Costco no fee MasterCard for shopping at Costco, amex gold or platinum for travel perks and a visa with no foreign exchange fees. If you enter travel credit cards in the PFC search bar hundreds of posts will come up. We would like to show you a description here but the site won't allow us. Update: Some offers mentioned below are no longer availab. If you own a small business, accepting credit cards is critical to your success.

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