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Best credit cards canada reddit?
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Best credit cards canada reddit?
To give some context: I spend between 35k/40k per year, I don't carry a balance (I pay everything off every month ) and I make between 160k/220k per year. The annual fee is waived if you have the $30 per month smart account, and the fee for the smart account is waived if you maintain $6000 balance. We may be compensated when you click on product links, such a. In a report released today, Joo Ho Kim from Credit Suisse maintained a Buy rating on Royal Bank Of Canada (RY - Research Report), with a price tar. There's no longer any flat rate MasterCard that earns 2%. There's also a $60 third party bonus. Along with what VoxBoz mentioned, if your GF has an existing relationship with a large bank in Canada that has branches in the US (most of them do), they may be able to use her Canadian. Best Secured Credit Card Guaranteed approval, Average 5% cash back, low security deposit, $25 welcome bonus Best Low-Interest Rate Credit Card. If you are a regular driver, you know how quickly gas expenses can add up. 5% base, 3% travel bookings/transit/gas5% streaming, 7. Stripe, the online payments system that has built a reputation as the simplest way for online retailers to start accepting credit cards instantly, has just launched in Canada, its. See is one: Some Aeroplan card probably. Nous parlons en anglais et en français. No income requirements. Nous parlons en anglais et en français. 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. It offers no annual fees, no foreign transaction fees, and decent cash back rewards. It depends on what you mean by best for travel. I travel infrequently (for pleasure) with my family and use the. We would like to show you a description here but the site won't allow us. Amex cobalt is a great card, but amex needs credit history, and you only have 3 months. Amex Platnium $600 Amex Areoplan Reserve $600 Visa Infinte Privilage Cards (TD, CIBC, BMO, RBC, Scotia Bank) $300-$600 annual fee. Rogers World Elite offers 1. Since you seem to want lounge access, you seem to be looking for a card in the travel perks category. Good Luck & Hope it helps. 1 is BC only (the no fee, Vancity Enviro Cashback secured Visa), the other is Canada wide, the No Fee, RBC GIC-Secured Cash Back Mastercard. To qualify for these offers, make sure to open a new Scotiabank Passport Visa Infinite credit card account by October 31, 2024. In this case, Scotia passport VI would by far be the best choice. We would like to show you a description here but the site won't allow us. Neo secured or home trust secured cards are pretty decent too. Reddit announced today that users can now search comments within a post on desk. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage. We would like to show you a description here but the site won't allow us. Ideally you'd get both, work your way up to a $2,000 credit limit for each card and develop payment of history of 2 years. However, the card has stringent income and spending requirements. In today’s world, customers expect the convenience and security of paying with a credit card Are you a BJs Wholesale Club credit cardholder? If so, you might be wondering how to make your credit card payments conveniently and securely. $0 AF, unlimited lounge access for each cardholder + 1 guest, supplementary cardholders are free, no FX transaction fee, $200 travel credit annually, 3% travel, 1 The only catch is you and your spouse need to collectively have. Read our latest news and guides on how to earn and maximize Capital One credit card miles to travel for free. Not sure if I'm really bothered. Mastercard is ubiquitous, with dozens of cards offered. You might have a slightly lower chance of getting the card from BMO, although most big banks are happy to give student cards out. Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. We would like to show you a description here but the site won't allow us. Canada does not have a lot of choices and have shitty rewards compared to. ADMIN MOD. Since it will be your first, focus on paying it off when statement comes out to build your credit history and rating. The HSBC WE is probably the next best since they have a ton of great sign up bonuses and is overall a better card than the Rogers WE ($100 travel credit, about $700 in sign up credits, better insurance, no FX everywhere instead of just USA, 3% back on travel). Learn about its cash back rewards, interest benefits, and considerations to decide if it suits your needs. PC Financial Mastercard is equivalent to 3% cashback at Superstore. IMO, overall the best Canadian cashback credit card is the Rogers World Elite Mastercard, which pays unlimited 1. Do you have any outstanding credit card debt. Some of the highest earn rates in Canada (with up to 5x the points on dining and groceries), combined with a. We would like to show you a description here but the site won't allow us. New Visa Installments solution. 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. The gold card had a 50k welcome bonus plus 100 credit towards travel expenses plus earn an extra 20k points with travel expenses (when I signed up) it also apparently has a $50 credit to pay for nexus which I haven't confirmed. We may be compensated when you click on product links, such a. If you don't know your credit score it can help to mention which banks you are with as some of them offer free credit score calculation. We would like to show you a description here but the site won't allow us. Best credit card in Canada for high spender I (38M) spend a lot in my credit card and I feel that I'm leaving money on the table but not optimizing the CC that I use. The following credit cards received favorable comments from Redditors Bank of America® Customized Cash Rewards credit card. New Visa Installments solution will let eligible CIBC clients select installment options for qualifying online purchases during checkout TORONTO,. Check the sub r/churning for more feedback. In this guide, we’ll explore alternative methods for res. I do quite a bit of US travel so the Plaza Premium Lounge access on the YVR USA terminal is helpful too. If not, your next best cards are the Tangerine MasterCard or Simplii Visa. BMO WE Cashback has a similar offer to TD: 200$ for 2k spend. TD visa infinite seems to be a fan favourite overall for insurance and using points. Scotiabank Amex is better but is not accepted mostly everywhere in South America, and even in lots of Europe. Whether you’re starting your own small business or you’re already running one, its continued financial health is one of the most important things to keep in mind Credit cards offer various incentives to their customers in a bid to keep them loyal. It will just become a normal credit card. We would like to show you a description here but the site won't allow us. 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. Valero, a popular gas station chain across the United States, has recently launched a new credit card program. For groceries, the card pays 5% up to $500/month spend and 3% on gas up to $300/month spend. Just signed a new lease, the property is being managed by a rental management agency that accepts credit card payments for rent ($1595/month). Your best choices are: Rogers World Elite MasterCard, RBC Cashback World Elite MasterCard or the HSBC World Elite MasterCard. Every $2000 you leave in a chequing account when 5% interest is available is a $100 yearly fee. 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. You'll be best off with a biz card with a high base return rate. 120,000 sign up points through a referral link, great insurance (personal platinum is even better), and unlimited lounge access. And one on phone often gets block so you have to call them. No joke, get a no fee credit card, BMO cash back and Desjardins cash back are pretty good. hennessy tn Meanwhile, scotia amex red is probably the single best no AF card. They just get to access the account. 5% cashback on everything else (although this will probably get dropped eventually since I won't hit the 15k yearly spend) 4. I don't know if it is offered to introductory cardholders though. updated on May 31, 2024 The best overall credit card in Canada is the American Express Cobalt Card. This is really important to know because it can have negative ramifications to the authorized user if they don't have credit in their own name that is being used regularly. If you can spend $15k/year and you earn at least $80k/year (or $150k household), then the Rogers World Elite MasterCard is the best choice. Scotiabank Gold American Express. We would like to show you a description here but the site won't allow us. 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. This is not your situation. The only main drawback I find with this card is the 15 daily POS transaction limit, this could be an issue if you're trying to pay for transit with this card. That basically just leaves you with 2 choices, Amex business Plat or Amex business Aeroplan reserve, both of which gives a 1. $29 annual fee, no forex fees. 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. bars near my location now $1 starts at 3 points. You should consider looking at the CDC credit card. We would like to show you a description here but the site won't allow us. Find the best cash back credit card on RATESDOTCA. Your best choices are: Rogers World Elite MasterCard, RBC Cashback World Elite MasterCard or the HSBC World Elite MasterCard. New Visa Installments solution. E I swipe my card in the US for $10 USD. When everyone seems to be making more money than you, the inevitable question is. We would like to show you a description here but the site won't allow us. Most retailers have in house branded banks and issue a card to themselves to save money Best no fx fee card? Credit. I use my amex points by transferring to Aeroplan or other airline partners and booking through them You can also search for credit cards using the various Canadian credit card websites that have search functions. Spend $500 month in this category and get 5k points (worth $100-$200 in Aeroplan travel). average penis length countries Air Canada's latest move to add FlyDubai as an airline partner takes its connectivity with the Middle East and beyond to the next level. What is your income level (for credit card qualification)? Feel free to ask people for help looking up your credit score. CCG and nerdwallet have good lists on a bunch of no fee credit cards in Canada. We would like to show you a description here but the site won’t allow us. Sign up, go to the Credit Card Coach and use the sign up link there. com Exchange and Crypto FAQs: helpcom The Capital One secured card is for people who are rebuilding credit and can't get an unsecured card. 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. We would like to show you a description here but the site won't allow us. Rogers World Elite offers 1. The annual fee is waived if you have the $30 per month smart account, and the fee for the smart account is waived if you maintain $6000 balance. Compare earn rates, benefits, fees, and find your ideal card. American Express Cobalt.
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In today’s digital age, credit card apps have become an essential tool for managing your finances. 5% fx fees on the card and 1% cash back. Save money and earn cash back with a cash back rewards credit card. You will likely be approved for one on the spot with a low limit (like $1000). Simpli Cashback Visa. Most of TD's non-aeroplan cards are pretty bad. In today’s digital age, credit card apps have become an essential tool for managing your finances. With Air Canada and westjet, they'll put you on their next flight or two in the event of a missed connection, and there are even ways to free checked bags with the right credit cards. Here are ten of the best Mastercard credit card offers so you can see which one is right for you. Welcome offer: earn a $10 statement credit for each. Lounge access and getting cheap/free flights are generally mutually exclusive, so you'll need two cards to get both. Stripe, the online payments system that has built a reputation as the simplest way for online retailers to start accepting credit cards instantly, has just launched in Canada, its. Earn up to $1,100* in value in the first 12 months, including up to 35,000 bonus Scene+ points. Amex isn't accepted in a lot of places in Canada so don't get Amex. Amex cards are very expensive now. 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. craigslist troy ny apartments for rent Whether you are looking to apply for a new credit card or are just starting out, there are a few things to know beforehand. We would like to show you a description here but the site won't allow us. The top free cash back card in Canada is 1. First of all, dang you (uni student) would probably know more about credit card than most other people in this country, including myself. Uncover the best no fee credit cards in Canada on Forbes Advisor. However, there is a one-time activation fee to use the card. This type of credit card is backed. Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points. It has a monthly fee of 12$ but the amount of rewards points I rack up easily cover the cost of the card. The best is Brim WE at 2% (as long as you stay under the 25k year cap). Meridian Visa US Dollar Card. This can help decrease the. The Aeroplan card is the newest Air Canada card that can provide quite a bit of value to U-based Air Canada flyers. If you are in Ontario, Meridian Credit Union offers a Visa with 4% on gas and groceries, 2% on pharmacy and utility bill payments, 1% on everything else. Air Canada just launched a way to keep elite status through spending on an eligible card. We would like to show you a description here but the site won't allow us. The bank converts it to CAD and charges me an extra 2. We may be compensated when you click on pr. You can transfer to US MR. 5% base, 3% travel bookings/transit/gas5% streaming, 7. farting sounds The MC is no fee BMO airmiles with great airmile rate and no fee for second card…. From what i searched till now amex core card looks the best. We would like to show you a description here but the site won't allow us. Best for spending amount Best for annual fee/average spending. Amex SimplyCash Earn rate: 2 - 1 2% cash back on gas and groceries25% cash back on all other purchases. 2% cash back at other gas stations and Costco 1% cash back everywhere else, including In Costco. The best student credit cards in Canada are stepping stones for students looking to build and maintain credit - some even come with sweet rewards and perks We would like to show you a description here but the site won't allow us. I currently have the AMEX Aeroplan Business Reserve card. Amex or aeroplan destiny seem to have the best lounge access. 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. We spend $25-30k/month on our business cc and worked out that an Amex Business Platinum was the best card for us (higher fee, but better redemption rate makes up for it). We would like to show you a description here but the site won't allow us. 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. TD Cash Back Visa Infinite 3% cash back on eligible grocery and gas purchases, as well as recurring bill. We would like to show you a description here but the site won't allow us. ncid background check 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. These are the best travel credit cards available in Canada, including details and welcome bonuses for each one. Since it will be your first, focus on paying it off when statement comes out to build your credit history and rating. We would like to show you a description here but the site won't allow us. Amex Cobalt + cibc AP VI is the best combo for earning points towards travel. I used a capital one secured mastercard for a year and a half to build credit. Best credit card in Canada for high spender I (38M) spend a lot in my credit card and I feel that I'm leaving money on the table but not optimizing the CC that I use. Advise on RBC Credit Card. When people go shopping for a new credit card, they want to make a decision based on what their particular needs are. We would like to show you a description here but the site won't allow us. Please contact the moderators of this subreddit if you have any questions or concerns. We would like to show you a description here but the site won't allow us. The only other card better for that would be Amex cobalt given the 1. We would like to show you a description here but the site won't allow us. 75% return which is still higher than just using a MC credit card to pay at costco. Just don't miss out on the $100 and $150 cash rebates on offer for both those cards on approval.
These alternative apps will help you avoid the Facebook-ification of Reddit. Not sure if it's the best one, but if a lot of your spending is at Costco the Costco Mastercard is worth looking at. Your best bet is the student card offered by whichever bank you are currently using. We would like to show you a description here but the site won't allow us. Reddit has been slowly rolling out two-factor authentication for beta testers, moderators and third-party app developers for a while now before making it available to everyone over. verizon internet tv service $0 AF, unlimited lounge access for each cardholder + 1 guest, supplementary cardholders are free, no FX transaction fee, $200 travel credit annually, 3% travel, 1 The only catch is you and your spouse need to collectively have. 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. Uncover the best no fee credit cards in Canada on Forbes Advisor. com Exchange and Crypto FAQs: helpcom The Capital One secured card is for people who are rebuilding credit and can't get an unsecured card. citizens bank promo code 2022 The gold card had a 50k welcome bonus plus 100 credit towards travel expenses plus earn an extra 20k points with travel expenses (when I signed up) it also apparently has a $50 credit to pay for nexus which I haven't confirmed. We would like to show you a description here but the site won't allow us. Canadian Tire Triangle card offers 3% back at grocercy stores in C Tire money. While experienced borrowers may wonder how many credit cards to have, those who are newer to credit cards or prefer to focus on just one card might have other credit questions on t. The "shitty exchange fee" only exists on cards that are not zero FX fee. is it illegal to own a vape under 21 Looking for the best student credit cards? Compare these credit cards for students and see which student card makes the most sense for you. 2nd is Tangerine with 2%. 5% is the best all-around rate you'll see I think the AMEX Business Edge might be the card for your business as you spend a lot on gas & business expenses. I was looking to optimize my CC combo or add some churns for the year and wondered if PFC had any solid recommendations! I'm looking for a churn with a high SUB value, potentially a card to keep (if I can stack with wealth management offers in self-directed accounts, similar higher NW client offers or banking packages that waive fees), lower MSR (as I'm not super big on GC MS, tying up. We spend $25-30k/month on our business cc and worked out that an Amex Business Platinum was the best card for us (higher fee, but better redemption rate makes up for it).
Credit card options for American flyers include a bare-bones no-annual-fee card, a high-end version that opens the door to the Admirals Club, and a solid choice in between. And if you sign up for Journie rewards and buy gas at Ultramar with your CIBC visa you save a minimum of 3 cents per litre in addition to the 4% cash back Right now I use Scotiabank Momentum Infinite - for recurring bills. Here's a break down of my finances. This is especially true when it comes to managing your financial responsibilities, such as paying your cred. There aren't many black credit cards available in Canada. Their customer service is great and based in. Brim WE MC is free for the first year and has 2% cash back on all purchases worldwide and 4% cash back on Amazon (to a max of $25k/year then 1% on. We would like to show you a description here but the site won't allow us. Looking for the best student credit cards? Compare these credit cards for students and see which student card makes the most sense for you. 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. Two of those websites are: https://wwwca and https://creditcardgenius I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns. KOHO = $48, debit/credit card (MC), 0%, good reward, soft credit check, almost resident can qualify, does not report to credit bureau, has a credit building cost $10/mnt. tvj news today Ghost credit cards are sometimes issued in lieu of a traditio. I use my amex points by transferring to Aeroplan or other airline partners and booking through them You can also search for credit cards using the various Canadian credit card websites that have search functions. The Aeroplan card is the newest Air Canada card that can provide quite a bit of value to U-based Air Canada flyers. There was a yearly fee of about $70, so once I was able to get a regular non-fee card with my bank, I closed out the secured card Everyone else charges at least 2. Its Great Canadian Rebates. 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. Our top business credit cards can all help a business meet its spending needs while offering extra perks. Use Amex cobalt for grocery and restaurants. 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. 5%) Amex SimplyCash (1. Looking for the best cash back credit card: -No fee. The viSA has 2% cash back and no fees … has great online banking guarantees and. Explore the Neo Money Card review for 2024. We would like to show you a description here but the site won't allow us. The best credit cards for students in Canada in 2023 When used properly, a student credit card can open a world of cashback advantages that can provide a bit of extra wiggle room in for your spending and savings targets. Chase, the largest co-brand card issuer, a. corningware cornflower Second best is scotia passport VI. If you can spend $15k/year and you earn at least $80k/year (or $150k household), then the Rogers World Elite MasterCard is the best choice. Offer valid until: Aug 30th,2024 First year value: $794. In today’s world, customers expect the convenience and security of paying with a credit card Are you a BJs Wholesale Club credit cardholder? If so, you might be wondering how to make your credit card payments conveniently and securely. The majority of Canadians (85%) say their primary credit card offers some type of reward, according to the 2023 Canadian Payment Methods and Trends Report from Payments Canada. Visa Infinte Privilage requires high income (200k+), Min $10000 Limit. Ive been using the no annual fee cash back combo: tangerine 2% cash back (3 categories) + RBC 2% grocery cash back for the last couple of years mostly because I've been budgeting my life style but now im looking to travel more and possibly getting a travel credit card! Costco Mastercard & Costco World Mastercard 3% cash back at restaurants and Costco Gas. Best credit card for 18 year old CANADA. 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. Really depends on your spending pattern, if you can hit the 4% spend categories & don't mind annual fees, look into Scotiabank, TD, CIBC, Desjardins or Meridian's Cashback Visa Infinite card/World Elite MasterCard. Amex cobalt is the best travel points card in Canada because MR points can be transferred 1:1 to aeroplan (and also other airlines, including British airways, Cathay Pacific, Delta, Air France-KLM, and Etihad). Reply •. What we like: Low permanent interest rate of 12. The only "no-fee" credit card in Canada with airport lounge access, is the HSBC Jade Mastercard. 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. Prime Visa: Best Credit Card for Amazon. I currently only have the Scotiabank Gold American Express and have been enjoying the points I've accumulated over the past 2 years I've had it. How much will your baggage cost with Air Canada? Find out here. creditcardGenius is a smart credit card matchmaker that compares 126+ features of 216+ credit cards, with objective ratings, rankings and reviews. There is no monthly fee with an Amex prepaid card. According to this article and this one, the top USD cards for Canadians are the Meridian Visa US Dollar Card and the BMO U Dollar Mastercard. Discover credit cards are accepted at numerous banks acro. Just curious having moved here from the UK where 0% introductory. Crypto. Explore the Neo Money Card review for 2024.