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Welcome to my Padlet wall, in this opportunity I would like to present you the evaluation of competing credit card offers, so you would have a better knowledge on how to choose the best credit card for yourself from one bank to another in Canada.

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The image advertises the credit card by saying the addressee can earn rewards with every purchase everywhere, meaning no limitations.

The most important information provided in this image and also the information that the card depends on for people to sign up are the percentage of rewards that are given back to the spender.

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This image advertises a rewards-based credit card that shows how the point system works, how points are earned as well as a promotional offer of 16 thousand points after the first purchase and first stay.

The point system being displayed on the image helps people plan whether it is as beneficial to them as they need it to be.

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Video #1 - TOP 5 BEST NO-FEE CASH BACK CREDIT CARDS IN CANADA 2019

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Video #1 - TOP 5 BEST NO-FEE CASH BACK CREDIT CARDS IN CANADA 2019

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This video covers a Canadian’s opinions on what he thinks are the best five cash back credit cards available in Canada that have an annual fee. The video explains what cash back credit cards do and offer compared to other rewards-based credit cards. He then continues with the list of the five credit cards, explaining what the benefits each card has and how they apply differently to different individuals depending on their spending habits.

The explanation and comparison of cash back credit cards with travel/rewards credit cards tells the different benefits of cash back compared to rewards-based cards, along with the list of cards and their promotional offers.

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TOP 5 BEST CASH BACK CREDIT CARDS IN CANADA 2019 | Credit Card Guide Chapter 1

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Video #2 - TOP 5 BEST NO-FEE CASH BACK CREDIT CARDS IN CANADA 2020

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Video #2 - TOP 5 BEST NO-FEE CASH BACK CREDIT CARDS IN CANADA 2020

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This video covers the best five cash back credit cards available in Canada that do not have an annual fee. The video explains the difference between rewards cards and cash back cards as well as the situations where a cash back card with an annual fee may be better or worse in different scenarios. After explaining this, the video continues with the list of the supposed best five no fee cash back cards available in Canada.

Unlike the previous video (Video #1), this video explains the cases where someone should prefer to use a credit card with an annual fee compared to one that does not have a fee as well as providing information about each individual credit card’s promotional offers and benefits.

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TOP 5 BEST NO-FEE CASH BACK CREDIT CARDS IN CANADA 2020 | Credit Card Guide Chapter 3

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Video #3 - Top Best Credit Cards for Travel in 2019 (Canada)

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Video #3 - Top Best Credit Cards for Travel in 2019 (Canada)

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This video explains the benefits of travel credit cards and a list of the best travel cards in Canada. The video also spends a lot of time to explain what TD points are and how they are used. The list of cards goes in depth for each individual card, talking about the benefits each card has and the promotional offers each card has.

The video explains the benefits of rewards-based credit cards have that the other videos (Video #1 & 2) do not. The video explains the general idea of how points are earned through spending and can be redeemed to purchase things such as flight tickets.

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Top Best Credit Cards for Travel in 2019 (Canada)

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The website is one that helps Canadians find credit cards that best suit an individual by letting them choose and see the different options that they can choose from and what conditions apply to them. The site’s main purpose to let people browse different credit cards and compare different cards’ benefits to another.

This site has different sections/categories that can be used to filter for someone’s needs, these categories include rewards, cash back, no fee, travel, student, and build credit.

Applying a category shows the different credit cards that are available under the chosen category, also providing the option to see more information about different cards.

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Compare Best Canadian Credit Cards in 2020 - RedFlagDeals Credit Cards

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Compare all credit cards in Canada with RedFlagDeals. Verify interest rates, rewards, cash back and much more.

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Video #4 - The 5 Best Credit Cards in Canada in 2020

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Video #4 - The 5 Best Credit Cards in Canada in 2020

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This video lists the best five credit cards including both cash back and rewards-based credit cards. The cards recommended in this video are aimed towards people that spend large amounts of money on credit cards as most listed cards have annual fees. Each card that is listed is also further explained with what their perks are and what promotional offers are available to people who sign up.

This video is just an overall summary of which cards are considered best out of all that are available regardless of whether it has a rewards or cash back system. The video also has personal experiences with each card that is listed.

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The 5 Best Credit Cards in Canada in 2020

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This website compares financial products and rates to provide the best recommendations for someone’s specific needs. It provides information about mortgages, credit cards, savings accounts, or when someone needs insurance coverage. The website’s intention is to inform Canadians to help them make better financial decisions.

The website has a section labelled as an “Education centre” which contains information on the basics of credit cards, the types of credit cards, rewards credit card, credit card insurance and credit card score and fraud. These sections have explanations on credit cards as a payment method, the importance of different credit cards and the importance of credit history and how to build up a credit score.

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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 website is a blog that talks about the amount of credit cards that are available in Canada and how they benefit Canadians by providing more options in how we make purchases and earn back from them. The blog also acknowledges the option anxiety a person may feel with so many choices, whether they need fast cash back, low interest rates or travel privileges. It also contains a “best of the best” list to find best Canadian card to suit different individuals.

The website contains a list of different cards and also shows which perk the card is considered best for. This section also shows the annual fees of each card. In order to help inform Canadians even further, the blog also has a larger section that goes in detail of the benefits of each card.

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No one card is a winner or loser for every consumer. The card that works best will depend on each individual's spending habits, lifestyle and reward preferences. That being said, for each category of credit card, there are some broad criteria we look at when assessing a card's merit.

Overall value relative to cost: Free isn't always better. We determine if features like a big welcome bonus, strong redemption value, or high earn rate trump a card's annual fee.

Other fees: Annual fees aren't always the only cost of owning a credit card. We factor in other charges like foreign transaction fees and balance transfer fees into the mix.

Earn rate and redemption value: One of the most significant features of any reward/cash-back card is how fast and easy it is to earn rewards/cash. Overall, the higher the earn rate the better, however, we aren't superficial in our selections. To really understand a card's value, it's essential to know how much points are actually worth in real-world terms; if they're transferable; and if a point's value varies depending on what you redeem it for.

Sign-up bonus: The bigger the bonus the better. But we generally favour substance over flash, and we're critical of cards that won't deliver repeated value over time.

Special features and perks: The benefits-like extended warranties, discounts, premium insurance packages and exclusive invites-also warrant scrutiny. When assessing a card's added perks, we also consider their relevance for the cardholder. For example, extras like airport lounge access and hotel upgrades will mean more for a travel reward card than for a general cashback card.

Interest annual percentage rate: APRs can be a huge consideration for credit-building cards and balance transfer cards.

How Do Credit Cards Work?

Let's get back to basics for a moment.

Above all, a credit card is a convenient but potentially debt-inducing tool that must be used wisely for maximum value. It can make purchases by taking out a kind of temporary loan from your credit card issuer. The issuer grants the cardholder an interest-free payment grace period (usually of 21 days) after which a minimum payment is required and interest begins to accrue on any remaining debt. Paying off your full balance each month is key to avoiding debt and potentially high interest payments.

Your credit card usage affects your credit score, because your issuer will report your card activity to credit bureaus. The more responsible you are with your credit card (i.e. making payments in full and on time) and the less debt you carry, the more your credit score will rise.

It's vital to remember that credit cards have both pros and cons. They of course offer purchasing convenience, and smart use of a card can help you build a solid credit score and thus make it easier to be approved for a loan or a mortgage. A card's added features and rewards can save you money on things like insurance and rental cars, get you free flights and hotel stays, or boost your bank account with cashback earnings. Unfortunately, the possible downsides are just as dramatic. Irresponsible use of a credit card can lead to overspending, unsustainable debt levels, and a bad credit score.

The Different Types of Credit Cards

There's a dizzying array of credit cards available to Canadian consumers. To prevent option overload, we've complied a list of the basic general card types.

Travel Rewards Cards

Popular among frequent fliers, these cards offer points or miles that can be redeemed for travel-related rewards like free flights, upgrades and hotel stays. They often feature perks that would especially appeal to globetrotters, such as premium travel insurance packages, airport lounge access and discounts on rental cars. The amount of the rewards generated by the card (the 'earn rate') can be a flat rate based on your overall spending or can vary depending on specific spending categories.

No Foreign Transaction Fee Cards

A boon for those who travel frequently for business or pleasure, these cards either offset or completely waive the foreign transaction fee, a fee ranging from 2.5 to 3%, which many credit card issuers add to any purchase made in a foreign currency.

Lifestyle Rewards Cards

These cards reward you for lifestyle-enhancing habits like dining out, ordering takeout and using ride-sharing programs like Uber.

Cashback Cards

Cardholders get money back for purchases. The top cards offer revved-up cashback on common big-spending categories like gas or groceries.

No-Fee Cards

It's sometimes worth paying an annual fee for a credit card if the combined value of the card's rewards and features outweigh the annual fee level. But no-annual-fee cards are an excellent option for those looking to keep expenses down any way they can. Though there are many attractive free rewards or cashback credit cards out there, they have lower earning power and less attractive features than their premium counterparts, however, the minimum credit score and income requirements are often correspondingly lower as well.

Student Cards

A wonderful way to establish a credit score, student credit cards are designed specifically for university/college students who have no credit history and no regular income. They tend to have a low credit limit, less (but still attractive) reward-earning potential, an easy application process and no annual fee.

Business Cards

Business credit cards focus on the specific needs of cardholders who run a company. Rather than offering rewards for spending on things like groceries or ride-share programs, they typically feature perks and up the earn rate of categories business owners can really use, like travel expenses, group cell phone plans, office supplies and internet use. Many have nice extras like zero-liability employee cards, longer interest-free grace periods and generous insurance packages.

Low Interest Cards

Not carrying a balance is the goal, but not always the reality. For consumers who tend to carry a balance, low interest cards can lead to significant savings and help keep debt in check.

Balance Transfer Cards

Balance transfer credit cards let you transfer (usually for a small fee) some or all of your high-interest debt to a new card and enjoy a temporarily low interest rate on the transferred debt. The promotional interest rate is sometimes as low as 0%, which can save the debtor a massive amount in interest payments.

Secured Cards

Unlike regular credit cards (a.k.a unsecured cards), secured cards require that cardholders provide a cash deposit-of an equal or greater amount than their credit limit-to guarantee repayment of their balance. They are an ideal way for people with a poor credit score or no credit history to repair a record of heavy debt and credit mismanagement.

What Is the Difference Between a Network and an Issuer?

If you're going to make the most of your credit cards, it's important to understand the distinction between an issuer and a network. A credit card issuer is the financial institution (like a bank or credit union) that issues and manages your credit card. They approve or deny your application, establish a card's earn rate and perks, and process your payments.

While there are hundreds of different issuers in Canada, there are only three main networks: Visa, Mastercard and American Express (Discover is also a network somewhat popular in the US, but few Canadian merchants accept their cards). Networks set the fees that merchants pay for processing a credit card transaction. American Express is both an issuer and a network; Visa and Mastercard are networks only.

Picking the Right Companion for Your Wallet

Identifying your spending habits and unique credit card needs is crucial to narrowing down a final choice. Compare the best credit cards by issuer, card feature and more and see which card applies the most to your needs. After you input your unique criteria and preferences, as well as your common purchasing patterns, the tool will curate a list of cards which are suited to you personally.

Getting the best credit card is a simple matter, regardless of which card perks you desire most. Whether you want a high cashback percentage, amazing travel rewards, accelerated credit improvement, or if you just want to nab this month's most lucrative credit card promotions in Canada, it's easier than ever to find the best options available on GreedyRates. If you need any further assistance when making an ultimate decision, feel free to contact us by email and we'll give you a helping hand.

Related Articles:

* This post was not sponsored. The views and opinions expressed in this review are purely my own.

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Best Credit Cards in Canada for 2020 | Greedyrates.ca

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Looking for a credit card but are unsure which to choose? Compare the best credit cards in Canada in 2019 including our expert's review. We categorized the best canadian credit cards 2019 in the most popular categories so you can easily choose the best card for your financial needs.

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The website has information about current best credit card offers in Canada, what credit card promotions and how they work, different types of sign up bonuses, credit card bonus conditions and whether it is worth it or not. The article also has a list of different credit cards with their respective credit card offers that are considered to be the best that are currently available.

The list posted has information on the different credit cards that are considered to have the best credit card offers as well as the annual fees. It also has a larger section that also goes in deeper detail of each individual card, having more information such as minimum income eligibility, credit score required, earn rate, welcome offer, additional benefits, and purchase/cash advance APR.

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If you're considering a new credit card, one of the first things you should look at is what are the current credit card offers in Canada. That's right - to get you to sign with them, many credit cards have incentives such as an increased welcome bonus or the annual fee being waived for the first year, all of which can be incredibly valuable.

Of course, the sign-up bonus isn't the only thing you should look at when applying for a new card. You also need to consider the earn rate and additional benefits since the value you get from them can vary quite a bit depending on your spending patterns. Here's a look at the best credit card promotions in Canada.

Current Best Credit Card Offers in Canada

Scotia Momentum® Visa Infinite* Card

If you're looking for a credit card that gives you an insane earn rate, then you'll want to sign up for the Visa Infinite* Card. As a welcome bonus, new cardholders earn 10% cash back on all purchases for the first three months of card membership (up to $2000 in total purchases). That means if you spend $2,000 in the first 90 days, you'll earn the full $200 in cash back. Plus, there's no annual fee in the first year, including on supplementary cards. This welcome offer has a value of $350, making it one of the best credit card promotions on the market right now.

After the promotional period ends, you'll earn 4% cash back on grocery purchases and recurring bills (up to $25,000 annually), 2% on gas and transit purchases (up to $25,000 annually), and 1% on all other purchases - all of which are still quite high. It's definitely one of the best cash back credit cards in Canada.

Annual Fee: $120 (First-year annual fee waived)

Minimum Income Eligibility: $60,000 personal or $100,000 household income

Credit score required: Excellent

Earn Rate: 4% cash back on recurring bills, grocery purchases, and subscription services (up to $25,000 annually), 2% on gas and transit purchases (up to $25,000 annually), and 1% on everything else.

Welcome offer: Earn 10% cash back on all purchases for first three months (up to $2000 in total purchases).

Additional benefits: Comprehensive travel insurance, mobile device insurance coverage, luxury hotel privileges, complimentary concierge services 24/7.

Purchase APR: 20.99% | Cash Advance APR: 22.99%

Learn more about the Scotia Momentum® Visa Infinite* Card.

TD® Aeroplan® Visa Infinite* Card

Limited-time online-only offer: Apply by May 31, 2020, to get an annual fee rebate for the first year and the welcome bonus of up to 30,000 Aeroplan Miles (the equivalent of 2 economy short-haul roundtrip flight rewards!).

Air Canada is set to take over Aeroplan in the summer of 2020 and the TD® Aeroplan® Visa Infinite* Card has an incredible credit card promotion to get you excited. New cardholders can earn up to 30,000 Aeroplan Miles when they apply by May 31, 2020. Here's how it works: you'll get 15,000 Aeroplan Miles after your first purchase with your card. Then get up to another 5,000 Miles in each of the first three months when you spend a minimum of $1,000 per month - earning up to a total of 15,000 Miles. That's a grand total of up to 30,000 Miles - the equivalent to 2 economy short-haul roundtrip flight rewards, so those miles could easily have a value of $500+.The annual fee of $120 is also waived for both the primary and first additional cardholder, so there's really no reason to not get this card. To take advantage of this limited-time offer, you must apply by May 31, 2020.

The earn rate on this card is impressive too since you'll earn 1.5 miles for every $1 spent on eligible grocery, gas, drugstore and AirCanada.com purchases. All other purchases will get you 1 mile per $1 spent. Keep in mind that you can earn double the points at participating Aeroplan merchants. Just show your loyalty card or app first and then pay for your purchases with your TD® Aeroplan® Visa Infinite* Card.
The Details:

Annual Fee: $120 (first year annual fee rebate if you apply by May 31, 2020)

Minimum Income Eligibility: $60,000 personal or $100,000 household

Credit Score Required: Good to Excellent

Welcome Offer: Get a welcome bonus of up to 30,000 Aeroplan Miles and an annual fee rebate for the first year when you apply May 31, 2020.

Additional Perks: Comprehensive travel insurance and car rental discounts

Other Card Info: Purchase APR: 19.99%| Cash Advance APR: 22.99%

Learn more about the TD® Aeroplan® Visa Infinite* Card.
*This offer is not available for residents of Quebec. For Quebec residents, please click here.
BMO® AIR MILES®† World Elite®* Mastercard®

AIR MILES is one of the most popular loyalty programs in Canada and if you sign up for the BMO® AIR MILES®† World Elite®* Mastercard ®, you'll get up to 3,000 AIR MILES as a welcome bonus. 1,000 miles are awarded after your first purchase and you'll get an additional 2,000 miles when you charge $3,000 to your card in the first three months of card membership. In addition, the annual fee of $120 is waived for the first year.

AIR MILES is one of the most popular loyalty programs in Canada and is unique since you get to decide if you want to earn cash or Dream Miles. With Dream Miles, you can redeem your miles for rewards like flights, hotels, car rentals, and so forth. On the other hand, Cash Miles can be redeemed at merchants for instant cash off your purchases. You get to decide what ratio you earn your Cash or Dream miles (e.g. 50/50, 80/20, 100/0) and you have the flexibility to change that ratio when you want.
The Details:

Annual Fee: $120 (free-waived for the first year)

Minimum Income Eligibility: $80,000 individual or $150,000 household annual income

Credit Score Required: Good to Excellent

Welcome Offer: Up to 3,000 AIR MILES

Other Perks: 15% off AIR MILES flights within North America booked with AIR MILES, comprehensive travel insurance, Mastercard Airport Experiences provided by LoungeKey with two free annual passes

Other Card Info: Purchase APR: 19.99% | Cash Advance APR: 22.99%

Learn more about the BMO® AIR MILES®† World Elite®* Mastercard®

Tangerine Money-Back Credit Card

Do you prefer a cash back card over travel rewards? If yes, then the Tangerine Money-Back Credit Card is a good choice since it has no annual fee and a unique way for you to earn cash back. Cardholders earn 2% cash back in up to 3 categories, and 0.5% cash back on all other purchases. There's also no limit on the amount of cash back you can earn and your pay-out is monthly instead of annually. With the current limited-time promotion, new cardholders can earn a $250 bonus when spending at least $5,000 on everyday purchases in their first 3 months. That's on top of the cash back rewards you'd regularly earn! A sweet deal, in our books.

Plus, you can take advantage of our exclusive Tangerine promo. For a limited time, get a $50 bonus when you open a new Tangerine savings account and get approved for a Tangerine credit card. To get this exclusive offer, sign up as a Tangerine client using our OrangeKey YT50. Apply soon because this offer expires on April 30, 2020! Conditions apply.
The Details:

Annual Fee: $0

Minimum Income Eligibility: $12,000

Credit Score Required: Good to Excellent

Welcome Offer: New cardholders can earn a $250 bonus when spending at least $5,000 on everyday purchases in their first 3 months of card membership.

Additional Benefits: Automatic, monthly reimbursement to your credit card balance or savings account; unlimited cash back

Other Card Info: Purchase APR: 19.95% | Cash Advance APR: 19.95%

Become a new Tangerine client and get a $50 bonus! Use OrangeKey YT50.

American Express® AIR MILES®* Platinum Credit Card

If you want to earn AIR MILES fast, you can't go wrong with the American Express® AIR MILES®* Platinum Credit Card. For a limited time, new cardholders receive a generous welcome bonus of 2,000 AIR MILES Bonus Miles when you charge a total of $1,500 in purchases to your card within your first three months of card membership.

Aside from the hefty welcome bonus, you'll also enjoy an earn rate of 1 Mile for every $5 in card purchases of food, gas, groceries and transit (up to $30,000 annually). For everything else, you'll earn 1 Mile for every $10 spent. You can also earn 500 miles for each successful referral, up to a maximum annual referral bonus of 7,500 Miles.

Beyond the stellar Miles earning rates, the American Express® AIR MILES®* Platinum Credit Card also has you covered with insurance coverage. When you book travel or make purchases through this credit card, you'll be covered by car rental insurance, travel accident insurance, purchase protection and buyer's assurance.

Finally, if you're carrying a balance on another credit card, you can transfer the balance to your American Express® AIR MILES®* Platinum Credit Card and pay only 1.99% interest for the first six months. You can transfer up to half of your credit limit or $7,500, whichever is lower.
The Details:

Annual Fee: $120

Income Eligibility: N/A

Credit Score Required: Good to Excellent

Welcome Bonus: 2,000 AIR MILES Bonus Miles (conditions apply)

Additional Perks: Travel accident insurance, car rental insurance, purchase protection, and buyer's assurance protection

Purchase APR: 20.99% | Balance Transfers & Cash Advance APR: 22.99%

Learn more about the American Express® AIR MILES®* Platinum Credit Card.

Credit card promotions typically refer to two things: the welcome bonus and the annual fee. The welcome bonus is usually extra points or additional cash back. In both cases, you still need to meet certain conditions to get the entire bonus (e.g. a minimum spend amount within a certain time period).

Every bonus is different and since every rewards program varies, you sometimes need to read the fine print in order to find out how you can maximize your welcome bonus. If the annual fee has a promotion, it'll just be waived or rebated for the first year. A general rule to remember: any credit card promotion where the annual fee is waived and offers a welcome bonus worth at least $250 is a good deal.

Different Types of Sign Up Bonuses

Unlike banks that can give you actual cash or merchandise as a sign-up bonus, credit cards can really just offer additional points or cash back multipliers. This isn't a bad thing, but you just need to recognize what's actually a good deal. For example, if the promotion is offering 5,000 to 10,000 extra points, then that's totally worth signing up for.

Some promotions even go above and beyond by waiving the annual fee for the first year. This essentially allows you to collect the sign-up bonus and try out the card for the first year for free.

Credit Card Bonus Conditions

Although credit card promotions are appealing, there are always conditions. With points promotions, you'll need to spend a certain amount within three months to get the full bonus. That could range from $500 to $7,000. If you were already planning to spend that money then it's no big deal, but if you need to carry a balance just to get the welcome bonus, it's not worth it since you could end up paying a lot in interest charges.

With cash back promotions, you'll earn a higher earn rate, but there's usually a cap. Let's say you can earn 10% cash back for three months and it tops out at $200 in cash back. That means you would need to charge $2,000 to your card to get the full bonus. Again, that's only good if you were planning to spend that money.

Yes, credit card promotions are always worth it, but this assumes that you meet the conditions to get your bonus. Some of these deals are so good that it's worth signing up, even if you weren't looking for a new card. If you see a credit card promotion that gives you at least $250 in value, it may be worth applying for.
The Best Credit Cards by Category: This post was not sponsored. The views and opinions expressed in this review are purely my own.

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Best Credit Card Offers, Sign Up Bonuses for New Year

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If you're considering a new credit card, one of the first things you should look at is what are the current credit card offers in Canada. That's right - to get you to sign with them, many credit cards have incentives such as an increased welcome bonus or the annual fee being waived for the first year, all of which can be incredibly valuable.

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1. What did you learn about your topic that surprised you the most?
What surprised me the most was the fact that there are hundreds of different type of credit cards to choose from in Canada's market alone.

2. Provide a real-life example of how this topic is relevant or interesting for you.
It gave me the insights on how to carefully and wisely compare all available credit cards in Canada before you sign up one or more of those credit cards.

3. If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?
I would let them know that the credit cards from five largest banks in Canada are not necessarily always the best fit for them.