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- Best travel credit cards in Canada () - Young and Thrifty
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I've made the minimum payments on my existing credit cards for the past six months. That's enough for a select flight. Rate, annual rewards estimate and other product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details. Cookie Notice Ratesupermarket.
EVERYDAY VALUE ON BRAKES, BATTERIES & OIL CHANGES
To learn more about interest based ads and manage your preferences for interest-based advertising, you may also visit the Adchoices consumer opt-out page x. Takes seconds to pay it off and no charge for transfers within my CIBC accounts.
Alternatively you can use PC Financial Chequing account. Bill payments are free. Only real downside with these free chequing accounts is that you pretty much have to keep a bank account open at your other big 5 financial institution too for emergency customer service situations where you need to talk to a real bank , which complicates your paper work a bit by having so many accounts open.
But oh well, having a credit card complicates things too and it seems no way to get around complexity when it comes to saving dimes. I was looking for a comparison for all cards, free and with annual fee. The calculator mentioned in post 42 does take into account a way to compare cahs back and rewards cards. Regarding post 33, you do have to include such income on your tax return. I know it was mentioned on the Capital One website. Capitolone Cashback also has the option of cash advancing with your cheques as if you were just using your card.
Can someone comment on annual fees for high end point cards? You can read up on it here:.
Best travel credit cards in Canada () - Young and Thrifty
Am I wasting money here??? It is a Platinum card. You can redeem for buying a car or any vehicle. No fee, and has all other coverages such as insurance, rental collision coverage etc. Simple even a dummy can figure this out:. Not with MBNA smart cash. Note: Do not transfer any amounts to this card as it not accounted for the cash back mechanism.
If you do not pay the full balance on all your spends then this card is not for you as the monthly interest payments would then eventually outweigh your cash back stimula. Can you say book a cheap trip to Vegas just by do nothing. You know your savings rate currently is 0.
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MBNA are actually providing a better return then your scamming banks for things you spend on everyday. They pay promptly and just received the cheque two weeks ago instead of waiting for end of the fiscal year or somehow it is applied to the statement, red tape such with other cash back cards etc.. Thank you and show me the money. Rewards for CIBC are 0. However, this card has no annual fee. Over that amount, and the Capital One card pays better. Elbryon is right and follow our wise words and you will get better returns with MBNA smart card period unless something new comes out to top this.
Thank you. Has anyone heard of the scotiabank cash back visa, and how does it compare to the capital one and mnba cards. Since I got it in late June. By far the best value. No annual fee, simple cashback system, and good returns. Nothing surpasses this for cash back or any other point system trust me. Note: Please ensure you pay the full balance every month otherwise you got to be a moron to use this card if you rather pay a higher interest then the cash back mechanism outlined. Thank you and have free money come in for everyday purchases that is deemed necessity or planned trips, etc..
Thanks for the in-depth look at those credit cards. From my quick calculation, Capital One seems to win out even with the annual fee. I th continue using the Amex for my Costco purchases but from that moment on I switch to my backup card which is a Sears Mastercard for everything else, this gives me Sears points.
This is convenient for me since I shop at Sears regularly. If anyone knows how I can beet this, please let me know. I have checked this out very carefully and if you spend more the Now it is canadian tire money but surely you can use it up on car repairs Xmas gifts…… OR you can donate it to the humane society and get a tax receipt for donation Win Win Dan. The customer eventually pays for these fees anyways, since the retailers will price their goods to be profitable.
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I suppose everyone should join the cash back credit card game, because using debit or cash ends up subsidizing those with credit cards with lucrative rewards. These credit card fees are ending up like a tax applied to all retail purchases, except it is levied by the credit card issuers and processors and does not add anything productive to the economy unless one considers crappy sign up gifts and credit card sign-up flyers mailed out as a productive use of this money.
Does the retailer get charged more per transaction for offering cash back or other rewards to the consumer or does the bank eat those costs? Alicia, my understanding is that premium credit cards ding the retailer a slightly higher transaction fee.
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I was looking at the Costco magazine last night, and their POS system offering charges 1. I have to admit I am not a big believer in the cash back awards. There are a few banks that offer very low enterest rates on credit cards that are more of benefit than cash back awards. My wife and I have a scotiabank visa and the interest rate is 4. The line of credit we have is 5. If you analyze the cards offering cash back awards the credit card rates are probably more than double the rate I am paying on my visa card.
If you continue this method of paying interest please do not review any web sites relating to any rewards cards and just bend over. If you are achieving high yields in some of your investments then pay down the debt immediately. You will never retire at this rate by paying into even 4. I never did because I make sure it is paid every month for decades but I heard from others who did this process who are in debt. You budget over the 9 months on how to pay it all off before the maturity month or be ready to transfer to another low interest rate with another bank on balance transfers until it is finally cleared or you will be penalized.
Make sure you pay it off each month. Make the banks work for you and get money back in return. That is all if you want to be on a beach everyday if you chose that lifestyle with no worries of financial burdens imposed by these card companies and not being hostage to the epidemic they expect the masses to follow. Johnny your right about the calls in the beginning but like frugal mentions you or anyone can be removed off their list when they call you or when you tell them or call customer service to have MBNA never bother you again.
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The main reason they are calling is to simply recover losses of payouts with cash back programs and other rewards they offer on clients who never pay interest like me and others. They are not in the business to provide you with money back or reward points and not to collect from you especially if it is a card with no annual fee and if majority of clients do not pay interest.
Big Tip of the century: Purchase gift cards from Canadian Tire gas bars for only gas purchases with multiplier in hand as you know they do not accept other credit cards for direct purchase to obtain canadian tire money reimbursement as they accept only cash, debit or CT gift cards. Petro canada offers gift cards that you can use to buy from ie: home depot, best buy, future shop, movies, other retailers, subway, boston pizza, harveys, swiss chalet, canyon creek, the keg, jack astors, east side marios, XBOX live, etc and more.
I hope this helps finally close what is the best rewards credit card by far and hope you can get the card still unless your a current MBNA customer and hint you will change to another card company and they will jump to provide it to you. Amen to all of your experience…. I took the time to notify them I was going to Panama and the dates…. RBC just started offering a cash back card. The best master credit card Canada for me?