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In my opinion, interesting information was to know about each and every detail about credit cards, about which I was not aware.I have learnt about how i can compare credit cards on basis of different factors.Moreover, i thing credit cards are just for borrowing money which we have to pay after a limited time.So we should choose, get and use a credit card wisely .

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What is evaluation of credit card offers?

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What is evaluation of credit card offers?

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In this century, everyone is dependent on plastic money like credit cards, debit cards and many more smart cards which we use for our daily purchases instead of carry cash.Because everyone feels cards are safe, convenient way instead of carrying paper money in pockets. Due to such a huge use of credit cards, banking institutions introduces  many offers on debit and credit cards.That's why everyone get confused in differentiating between which offer is beneficial and which is just a way of banks to earn fees from customers.Because most of credit or debit cards have monthly fees which can be worth or not for customer.

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This first website is credit.com.This is fast and easy to find a credit card in just two steps.By filling credit scores and type of card which a person need.Even there are options of many credit cards for free credit score and bad credit .
As i am student i found huge information which can help me to have a suitable credit card and how credit score can be increased.

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Get the most out of your credit card

Get the most rewards from your credit card

Don't Let Poor Credit Stop You

Get a travel credit card

Get cash for your spending

Start your debt-free journey

Take these steps to build your credit

Find savings in a lower ongoing APR

Finding the right card isn't easy. Thankfully, Credit.com can provide all the information you need to make an informed decision. Evaluate credit card terms and features, and get all your credit card questions answered here.

Whether it's gas, cash-back, or miles - find the right card for the rewards that you want.

Don't be a victim of a poor credit score. Rebuild your credit and take back your financial freedom. Here are some great credit cards for rebuilding credit.

Travel cards are a great option if you want to see the world. These cards gain rewards that could pay for your next flight, upgrade your hotel, or waive foreign transaction fees.

It's simple, earn cash back for spending money. These cards have less limitations when it comes to how you spend your rewards and can even include bonus categories for getting more money in your pocket.

Take control over your debt. Balance transfer cards allow you to potentially move your debt to a card with a lower APR, oftentimes with 0% for an introductory period.

If you're looking to build (or even rebuild) your credit, it's important to keep thing simple and focus on paying your monthly bill on time. Our experts have done the work for you in helping you build your credit.

Cards with a low APR can help you save money if you carry a balance each month. Be informed on when it makes sense to apply for a 0% introductory rate versus a lower ongoing APR rate with the information below.

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Check Your Credit & Make Smarter Financial Decisions

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Finding the right card isn't easy. Thankfully, Credit.com can provide all the information you need to make an informed decision. Evaluate credit card terms and features, and get all your credit card questions answered here. Whether it's gas, cash-back, or miles - find the right card for the rewards that you want.

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Second website is about comparing different credit cards  on one website in terms of annual fees, rewards, credit score, interest rate and many more.
This website make understand about offers on different cards, which is easy to choose according a requirement.Credit card rewards can be easily calculated by input monthly spending.

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We help you find better financial products for your specific needs. Whether you need a mortgage, credit card, savings account, or insurance coverage, we get you the information you need to choose better.

How does Ratehub.ca make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.
read more about us

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Compare the best credit cards in Canada - Ratehub.ca

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We help you find better financial products for your specific needs. Whether you need a mortgage, credit card, savings account, or insurance coverage, we get you the information you need to choose better. How does Ratehub.ca make money? Financial institutions pay us for connecting them with customers.

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This is the website which i found interesting about knowing about evaluation about credit card offers.
According to me, this website include ten interesting steps which make a person to understand about credit card offers.One step of calculating annual fees related to credit card is so interesting.

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When you're ready for a new credit card, it's important to examine any available offers to ensure you get the best possible card for you. But how do you do this without missing anything important? You come to NerdWallet, and we tell you how! Here are 10 steps to evaluating a credit card offer.

1. Consider the source of the offer

Be wary of applying for any credit card offer from a source you aren't familiar with. For one, it may be a scam. Also, many unsolicited credit card offers aren't necessarily the best offers for you based on your card needs and wants. If you haven't been sent an offer and want to find one on your own, use our credit card tool to find a card or two to evaluate.

" MORE How to Pick the Best Credit Card for You: 4 Easy Steps

2. Determine the type of card you want

Credit cards aren't one size fits all - you need to determine which type of card is most appropriate for your situation. Here are the four most common card types and who they're good for:

Balance transfer: For those who want to pay off their existing credit card debt without paying high interest rates. These cards generally charge a fee to transfer a balance, but offer a 0% introductory rate.

Rewards: For those who pay off their balances in full each month and want to take their credit card experience to the next level. These cards offer cash, points or miles rewards on your spending. Some rewards cards also come with a signup bonus, wherein you'll receive a bonus for hitting the required spend within a specified period of time.

Introductory 0% APR: For those who can't or don't want to pay off their balances immediately. These cards tend to offer 0% interest on purchases and balance transfers for 12-18 months.

Secured: For those with poor or limited credit. These cards are backed by a cash deposit, often equal to the credit limit. They aren't the same thing as prepaid cards - you still have to make payments, and the activity is reported to the credit bureaus.

Once you've determined the card type that most accurately describes your credit needs, you'll want to nix any offers for other types of cards. They may be great cards, but they simply aren't for you.

3. Know the applicable fees (and how to avoid them)

Credit cards come with multiple fees - some are worth paying, others aren't, and most are avoidable. Here are the most common credit card fees:

Annual fee: Charged for the privilege of using a credit card, an annual fee is assessed once per year. Credit cards with annual fees tend to have higher rewards structures and higher signup bonuses than those without, so they're worth considering.

Foreign transaction fee: A foreign transaction fee is a percentage based fee - generally 3-4% - on charges made overseas. If you travel overseas at all, you should get a credit card without foreign transaction fees.

Late payment fee: Most credit cards charge a fee of around $35 for late payments. This fee is avoided by making all of your payments on time. Set up automatic payments if you're afraid you'll forget.

Cash advance fee: Some credit cards allow you to take a cash advance from your card via ATM or bank branch. However, you'll have to pay a cash advance fee and a higher APR than you would normally. There's also no grace period, so you'll begin incurring interest charges immediately. This should be a last resort - keep an emergency fund for those times you need cash in a pinch.

With the exception of the annual fee - and the foreign transaction fee if you're sure you will never travel overseas - credit card fees should be avoided at all costs. You can avoid these with responsible credit habits and a cash reserve in case of emergencies.

4. Calculate the value of the annual fee

Many credit cards have two versions - one with an annual fee, and one without. Let's compare two of these hypothetical cards, both with signup bonuses. Here's the math to find out how long it will take until the annual fee on Card A overtakes the higher signup bonus.

Card A: $400 signup bonus, $89 annual fee waived the first year

Card B: $200 signup bonus, no annual fee

Card A = 400 - 89 (y - 1)

200 = 400 - 89 (y - 1)

y = 3.25 years

Of course, this isn't the only consideration. Cards with annual fees have higher rewards rates as well. Do the math to evaluate the ongoing rewards of two cards and determine if you spend enough to justify an annual fee.

Card A: $95 annual fee, 2 points on every dollar spent

Card B: No annual fee, 1 point on every dollar spent

Card A = 0.02x - 95

0.01x = 0.02x - 95

x = $9,500

If you spend more than $9,500 a year, it's worth it to get the hypothetical card with the annual fee and higher rewards rate. Otherwise, go with the card without an annual fee.

5. Know the cost of financing purchases on your credit card

While you can carry credit card debt from one month to the next, it's the most expensive way to finance your purchases. You should only use your credit card for purchases you can afford to pay off each month before accruing interest. That said, it doesn't hurt to know the interest rates associated with your account. But remember, most credit cards have variable rates, so your rate is subject to change.

Credit card interest is calculated based on your daily average balance, not your ending balance. Let's do the math on a hypothetical card. The interest rate is 15%, the balance owed is $3,000, the minimum payment is $300, and you make a single payment of $1,500 eight days before the bill is due.

Average daily balance = (3,000 x 22) + (1,500 x 8) = 78,000 / 30 = $2,600

Daily interest rate = 15% / 360 = 0.000417 (Keep in mind, some issuers use 365 instead of 360.)

Interest charge for the month = 2,600 x 0.000417 x 30 = $32.50

6. Understand the rewards program, if applicable

Many rewards cards offer different rewards rates for different types of purchases. So some cards may give you extra rewards for groceries, while other give extra rewards for travel spending. Figure out where you spend your money and see if the credit card you're considering gives you additional rewards for that spending. If not, there may be a better card for you that does.

Credit card rewards may be redeemable for cash, travel, gift cards, charitable contributions, merchandise and more. Ensure the card you're considering offers redemption for the rewards of your choice. If you hate travel, for instance, a card that only has travel rewards redemption will be of no use to you.

Some cards offer special rewards bonuses for having a bank account with the issuer or spending a certain amount each year. Others offer higher value redemption if you choose one redemption option over another. Understand the rewards program and ensure that it meets your rewards earning and redeeming preferences.

7. Review the additional benefits and perks

Credit cards have more to offer than rewards and credit-building assistance. Most credit cards offer a multitude of benefits, including shopping and travel protections. Shopping benefits may include price and purchase protection, which reimburse you if covered items go on sale or are damaged or stolen within a specified time period, respectively. Travel benefits could include trip cancellation and interruption protection, car rental insurance, and lost baggage protection. Go over the benefits to ensure the protection benefits that are most important to you are included.

Another thing to look for in the card offer is EMV capability. Issuers aren't incentivized to provide EMV chips until October 2015, but several are offering them preemptively. EMV cards aren't easily skimmed by credit card fraudsters, making them more secure than a traditional magstripe card. For everything you need to know about EMV security and usage, read our ABCs of EMV article.

8. Consider the retailer acceptance of the card

There are four major payment networks - Visa, MasterCard, American Express and Discover. And while there are great American Express credit cards and Discover credit cards on the market, understand that Visa and MasterCard are more widely accepted in more places. Consider this if you travel overseas or live somewhere with retailers that don't accept AmEx or Discover.

9. Know your credit score and any other application qualifiers

If you apply for a credit card within your credit score range, you're more likely to be approved. There are credit cards available for those with bad or limited credit, fair credit, and good credit. Those with excellent credit can have their pick of cards, provided they meet any other qualifying factors, like income threshold for prestigious cards or membership for credit union cards.

10. Look through the fine print

Check the credit card's terms for any additional fine print. For instance, some 0% interest credit cards retroactively apply interest charges to your balance if you don't pay them off in full before the introductory rate expires. A small minority of credit cards allow for repossession of the items purchased if you don't make payments. Peruse the fine print to determine if there are any deal breakers.

The takeaway: That's it! After you've gone through these 10 steps, you're ready to apply. We have a feeling you and your new card will be very happy together.
Hands holding fanned out credit cards image via Shutterstock

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How to Evaluate Credit Card Offers - NerdWallet

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When you're ready for a new credit card, it's important to examine any available offers to ensure you get the best possible card for you. But how do you do this without missing anything important? You come to NerdWallet, and we tell you how! Here are 10 steps to evaluating a credit card offer.

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Last website I include scotiabank.com. As i am student and i am customer of this bank i also find evaluation of Scotia bank credit cards so that i can know more about many options of credit cards by Scotia bank.There are many options of credit cards which have no annual fees and many offers for students to build credit scores on every purchase by credit card which can be helpful for buy a vehicle or any gadget .There are also earning interest rate options.
I found interesting about Scotia bank that this website give information about without annual fee credit card and also cards such as scene card for students where students can earn scene points which students can redeem later for food and other purchases.

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Credit Cards from Visa, American Express & Mastercard | Scotiabank Canada

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Find out the best credit card according to your lifestyle. Compare various options to choose one that has low interest or maxiumum cash back.

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Video #1 - Top 5 Canadian credit cards of 2019 

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Video #1 - Top 5 Canadian credit cards of 2019 

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Below video is about comparison of top 5 credit cards in Canadian banking system.
This video is easy to find out one of the best credit cards of many banks of Canada by comparing them on the basis of annual fees,cash back and special offers like bonus points.

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This video gives information about a credit card compare tool which helps to new customers to choose a best credit card from many choices.People who are really confused due to number of options of different bank's credit card offers can evaluate credit card offers by using this tool by visiting a site given in this video.

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Compare Credit Card Canada - My Rate Compass

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This video also a comparison of top five credit cards in Canada.Where Scotia bank cards provide many benefits like cash back on grocery. gas, shopping and many more.Also 10% cash back on Scotia bank Momentum credit cards which have    more benefits for customers.
This video make me deeply understand about Scotia bank Momentum credit cards.I have this card but i was not to much known to them before watch this video.

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Video #4 - Comparison of top 5 bank's credit cards

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Video #4 - Comparison of top 5 bank's credit cards

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Following video is most important because it clear the confusion of Canada top 5 bank's (Scotia bank, RBC(Royal Bank Of Canada), TD, Bank of Montreal, BMO credit cards.Every credit card have their own benefits , which make them unique.Like RBC credit cards provide good bonus on many credit cards.
I like about RBC travel cards which have great offers for travelers as compare to TD and Scotia.Other banks also include flexible offers for new customers in this video.

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Below image displays information about comparison of Canadian cards on the basis of annual fee, interest rate, reward earned per year.

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Given image illustrates about a checklist for choosing a best credit card.Every new customer should complete given checklist before apply for a credit card which will help to get good benefits from a credit cards.
I think these points must be compare of each credit card with each other and which can help us to have better credit card.

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Why should we do credit card evaluation?

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Why should we do credit card evaluation?

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Evaluation of credit card make easy to choose a right card for specific needs. It depends on everyone income is he/she able to afford which kind of credit card and how much interest rate and annual fees able to pay.So, There are many websites, videos and images related to comparison for credit card evaluation.

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What Important I learnt and i can pass to my family and friends? 

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What Important I learnt and i can pass to my family and friends? 

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There was great information which i learnt about credit cards.I found interesting websites and videos and tools for evaluation of credit cards.Comparison is very important to choose a right credit card.I found important that there are number of credit cards by many financial institutes with great offers.This area is so wast that to choose best credit card offers we can use many financial banks tools and also can consult with financial customer representatives.

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While searching for websites and videos related to this topic I found number of top credit cards with interesting offers.Even there was also such a interesting facts about credit card which i have.So now I am well known to offers on my credit card and i can use it wisely as compare to past