我用 PC的,感觉也不错!因为在银行工作,这几天把5大银行的信用卡产品做了一个比较,贴出来和大家SHARE一下。
信用卡按针对客户群分类,可分如下几类
一、经常出差、旅游想用卡积累里程的用户
ScotiaGold Passport
$110 annual fee/$30 additional card fee
$1=1 point
Interest rate 19.5%
5% cash back on travel purchase
Reward options: merchandise, investment, travel purchase
*Scotia还有一种no-fee ScotiaGold VISA可以选择
RBC VISA Gold preferred
$110 annual fee/$40 additional card fee
$1=1 point
no cash back on travel purchase
Reward options: merchandise, investment, travel purchase
insurance coverage
TD First Class Travel Infinite
$120 annual fee/$50 additional card fee
$1=3 points purchases
$1=9 points on travel purchases with TD
no cash back on travel purchase
Reward options: travel purchases
redemption in 10,000 points increments
Limited insurance coverage
CIBC AeroGold
$120 annual fee/$50 additional card fee
$1=1 mile
$1=1.5mile on gas, drug stores and grocery
no cash back on travel purchase
15,000 points for short haul flights
Reward options: merchandise, investment, travel purchases
BMO Mosaik Air Mile MC
$90 annual fee/$15 additional card fee
$15=1 Air Mile
Cash back available for a fee
Travel Restrictions: Round trip only, Saturday stay over, Advance booking
Limited insurance coverage
二、Cash back即返现金的信用卡
Scotia Momentum VISA
$39 annual fee/$15 additional card fee
2% Cash back on gas, groceries, drug stores and recurring payments; 1% cash back on other purchases
Interest rate 19.99%
No min spend/Maximum 25,000 at 2%
Purchase Security
Extended Warranty Protection
*Scotia还有一种no-fee Scotia Moneyback VISA可以选择
RBC
RBC没有cash back card
TD Gold Elite VISA
$99 annual fee/$39 additional card fee
1% cash back on purchases
No min spend
Purchase Security
Extended Warranty Protection
Lost luggage and Rental car
Budget Rent a car Preferred rate
CIBC Platinum Dividend
$79 annual fee/$30 additional card fee
Up to 2% cash back on purchases
Must spend $35,000 to earn 2%
Maximum $50,000 spend
Purchase Security
Extended Warranty Protection
Travel Medical Ins/Rental car discount
BMO Mosaik Premium
$49 annual fee/No additional card fee
3% cash back at Shell gas stations
1% cash back on purchases elsewhere
3% cash back capped at 2,500/mth
Purchase Security
Extended Warranty Protection
Lost luggage and Rental car
*除了5大银行外,其它FINANCIAL INSTITUTIONS也有类似的CASH BACK 信用卡发布,比如AMERICAN EXPRESS, MBNA
三、Low Rate即低利率的信用卡(个人认为华人或许并不看重这一Feature,但是对很多Local people,这个低利率可是很重要的)
Scotia Value VISA
$29 annual fee/No supplementary card fee
Interest rate 11.49%
Up to 20% discount at AVIS Rental car
*Scotia还有一种no-fee Scotia Value VISA可以选择
RBC Classic Low Rate VISA$20 annual fee/No additional card fee
Interest rate 11.9%
Purchase Security
Extended Warranty Protection
TD Emerald VISA
$25 annual fee/No additional card fee
TD prime+1.9% to 6.9%
Budget Rent a car Preferred rate
CIBC Select VISA
$29 annual fee/No additional card fee(max 3)
Interest rate 11.5%
100,000 Common Carrier Accident Insurance
20% discount at AVIS Rental car
BMO Low Rate Plan
$35 annual fee/No additional card fee
Interest rate 11.9%
Air miles:$40=1 Air mile or
1.5% cash back Shell Gas 0.5% all others
Purchase Security
Extended Warranty Protection
四、适合学生的信用卡
Scotia L’earn VISA
No annual fee
Interest rate 18.59%
Cash back 1%: first $500 ? 0.25%, next $500 ? 0.5%, then 1%
Up to 20% discount at AVIS Rental car
RBC Classic II Student VISA
$15 annual fee
Interest rate 19.5%
Purchase Security
Rewards program
$1=1point
Thrifty Rental car discount
Extended Warranty Protection
TD Rebate Rewards VISA
No annual fee
Interest rate 19.75%
Cash back: first $3000 ? 0.5%, over $3000 ? 1%
Budget Rent a car Preferred rate
CIBC Classic Student VISA
No annual fee
Interest rate 18.5%
Purchase Security
Extended Warranty Protection
100,000 Common Carrier Accident Insurance
20% discount at AVIS Rental car
BMO Student Mosaik MC
No annual fee
Interest rate 19.5%
$40 Purchases=1 reward mile or
BMO Student Cash Back MC: 0.5% cash back, 1.5% cash back at Shell Gas Stations
五、其它
各大银行会推出有自己特色的信用卡,比如SCOTIABANK 的 SCENE VISA, 使用信用累积积分可以换电影票。NO-FEE, INTEREST RATE 19.5%, 很适合喜欢电影的朋友。
5大银行中,除了BMO, 都是VISA, 你所说的PC,还有THE BAY,CAPITAL ONE, MBNA等发行的都是MASTERCARD. 还有AMEX也有自己的特色,关键是看你看重哪方面的FEATURE.我用 PC的,感觉也不错!
不知道VISA, MASTERCARD有啥区别呢?
民工说的对,从实际使用的角度讲,对终端消费者两者几乎没有任何区别。2大信用卡组织而已,有些地方只收visa,有些地方只收master
每家银行都有自己的强项,去和别的银行同类别产品竞争,所以关键还是从自己的需求角度考虑,哪个银行的产品更适合你。只要FIT了,就会觉得好。yep, TD is the best! Im using this student visa. supper dam good
第四大类是适合学生的信用卡。具体的还是要和客户经理去谈,看哪种更fit your needs.这个贴很有用哦,但没怎么看明白。
就到19岁,准备开信用卡咯,请问哪个比较适合留学生呢?
你的卡不一定是有FEE的卡,我知道SCOTIA的每种信用卡产品都有有年费和没有年费2种,但是FEATURE上也会略有不同。你最好直接去BMO咨询下再决定。我用了两年BMO 的Mosaik的AIR MILES, 一直没注意有90元的年费,没从账单上看到。看来我要注销这张卡了。
把5大银行的信用卡产品做了一个比较,贴出来和大家SHARE一下。
信用卡按针对客户群分类,可分如下几类
一、经常出差、旅游想用卡积累里程的用户
ScotiaGold Passport
$110 annual fee/$30 additional card fee
$1=1 point
Interest rate 19.5%
5% cash back on travel purchase
Reward options: merchandise, investment, travel purchase
*Scotia还有一种no-fee ScotiaGold VISA可以选择
RBC VISA Gold preferred
$110 annual fee/$40 additional card fee
$1=1 point
no cash back on travel purchase
Reward options: merchandise, investment, travel purchase
insurance coverage
TD First Class Travel Infinite
$120 annual fee/$50 additional card fee
$1=3 points purchases
$1=9 points on travel purchases with TD
no cash back on travel purchase
Reward options: travel purchases
redemption in 10,000 points increments
Limited insurance coverage
CIBC AeroGold
$120 annual fee/$50 additional card fee
$1=1 mile
$1=1.5mile on gas, drug stores and grocery
no cash back on travel purchase
15,000 points for short haul flights
Reward options: merchandise, investment, travel purchases
BMO Mosaik Air Mile MC
$90 annual fee/$15 additional card fee
$15=1 Air Mile
Cash back available for a fee
Travel Restrictions: Round trip only, Saturday stay over, Advance booking
Limited insurance coverage
二、Cash back即返现金的信用卡
Scotia Momentum VISA
$39 annual fee/$15 additional card fee
2% Cash back on gas, groceries, drug stores and recurring payments; 1% cash back on other purchases
Interest rate 19.99%
No min spend/Maximum 25,000 at 2%
Purchase Security
Extended Warranty Protection
*Scotia还有一种no-fee Scotia Moneyback VISA可以选择
RBC
RBC没有cash back card
TD Gold Elite VISA
$99 annual fee/$39 additional card fee
1% cash back on purchases
No min spend
Purchase Security
Extended Warranty Protection
Lost luggage and Rental car
Budget Rent a car Preferred rate
CIBC Platinum Dividend
$79 annual fee/$30 additional card fee
Up to 2% cash back on purchases
Must spend $35,000 to earn 2%
Maximum $50,000 spend
Purchase Security
Extended Warranty Protection
Travel Medical Ins/Rental car discount
BMO Mosaik Premium
$49 annual fee/No additional card fee
3% cash back at Shell gas stations
1% cash back on purchases elsewhere
3% cash back capped at 2,500/mth
Purchase Security
Extended Warranty Protection
Lost luggage and Rental car
*除了5大银行外,其它FINANCIAL INSTITUTIONS也有类似的CASH BACK 信用卡发布,比如AMERICAN EXPRESS, MBNA
三、Low Rate即低利率的信用卡(个人认为华人或许并不看重这一Feature,但是对很多Local people,他们把信用卡当小额短期贷款,这个低利率可是很重要的)
Scotia Value VISA
$29 annual fee/No supplementary card fee
Interest rate 11.49%
Up to 20% discount at AVIS Rental car
*Scotia还有一种no-fee Scotia Value VISA可以选择
RBC Classic Low Rate VISA
$20 annual fee/No additional card fee
Interest rate 11.9%
Purchase Security
Extended Warranty Protection
TD Emerald VISA
$25 annual fee/No additional card fee
TD prime+1.9% to 6.9%
Budget Rent a car Preferred rate
CIBC Select VISA
$29 annual fee/No additional card fee(max 3)
Interest rate 11.5%
100,000 Common Carrier Accident Insurance
20% discount at AVIS Rental car
BMO Low Rate Plan
$35 annual fee/No additional card fee
Interest rate 11.9%
Air miles:$40=1 Air mile or
1.5% cash back Shell Gas 0.5% all others
Purchase Security
Extended Warranty Protection
四、适合学生的信用卡
Scotia L’earn VISA
No annual fee
Interest rate 18.59%
Cash back 1%: first $500 0.25%, next $500 0.5%, then 1%
Up to 20% discount at AVIS Rental car
RBC Classic II Student VISA
$15 annual fee
Interest rate 19.5%
Purchase Security
Rewards program
$1=1point
Thrifty Rental car discount
Extended Warranty Protection
TD Rebate Rewards VISA
No annual fee
Interest rate 19.75%
Cash back: first $3000 0.5%, over $3000 1%
Budget Rent a car Preferred rate
CIBC Classic Student VISA
No annual fee
Interest rate 18.5%
Purchase Security
Extended Warranty Protection
100,000 Common Carrier Accident Insurance
20% discount at AVIS Rental car
BMO Student Mosaik MC
No annual fee
Interest rate 19.5%
$40 Purchases=1 reward mile or
BMO Student Cash Back MC: 0.5% cash back, 1.5% cash back at Shell Gas Stations
五、其它
各大银行会推出有自己特色的信用卡,比如SCOTIABANK 的 SCENE VISA, 使用信用累积积分可以换电影票。NO-FEE, INTEREST RATE 19.5%, 很适合喜欢电影的朋友。
加分送花!把5大银行的信用卡产品做了一个比较,贴出来和大家SHARE一下。
信用卡按针对客户群分类,可分如下几类
一、经常出差、旅游想用卡积累里程的用户
ScotiaGold Passport
$110 annual fee/$30 additional card fee
$1=1 point
Interest rate 19.5%
5% cash back on travel purchase
Reward options: merchandise, investment, travel purchase
*Scotia还有一种no-fee ScotiaGold VISA可以选择
RBC VISA Gold preferred
$110 annual fee/$40 additional card fee
$1=1 point
no cash back on travel purchase
Reward options: merchandise, investment, travel purchase
insurance coverage
TD First Class Travel Infinite
$120 annual fee/$50 additional card fee
$1=3 points purchases
$1=9 points on travel purchases with TD
no cash back on travel purchase
Reward options: travel purchases
redemption in 10,000 points increments
Limited insurance coverage
CIBC AeroGold
$120 annual fee/$50 additional card fee
$1=1 mile
$1=1.5mile on gas, drug stores and grocery
no cash back on travel purchase
15,000 points for short haul flights
Reward options: merchandise, investment, travel purchases
BMO Mosaik Air Mile MC
$90 annual fee/$15 additional card fee
$15=1 Air Mile
Cash back available for a fee
Travel Restrictions: Round trip only, Saturday stay over, Advance booking
Limited insurance coverage
二、Cash back即返现金的信用卡
Scotia Momentum VISA
$39 annual fee/$15 additional card fee
2% Cash back on gas, groceries, drug stores and recurring payments; 1% cash back on other purchases
Interest rate 19.99%
No min spend/Maximum 25,000 at 2%
Purchase Security
Extended Warranty Protection
*Scotia还有一种no-fee Scotia Moneyback VISA可以选择
RBC
RBC没有cash back card
TD Gold Elite VISA
$99 annual fee/$39 additional card fee
1% cash back on purchases
No min spend
Purchase Security
Extended Warranty Protection
Lost luggage and Rental car
Budget Rent a car Preferred rate
CIBC Platinum Dividend
$79 annual fee/$30 additional card fee
Up to 2% cash back on purchases
Must spend $35,000 to earn 2%
Maximum $50,000 spend
Purchase Security
Extended Warranty Protection
Travel Medical Ins/Rental car discount
BMO Mosaik Premium
$49 annual fee/No additional card fee
3% cash back at Shell gas stations
1% cash back on purchases elsewhere
3% cash back capped at 2,500/mth
Purchase Security
Extended Warranty Protection
Lost luggage and Rental car
*除了5大银行外,其它FINANCIAL INSTITUTIONS也有类似的CASH BACK 信用卡发布,比如AMERICAN EXPRESS, MBNA
三、Low Rate即低利率的信用卡(个人认为华人或许并不看重这一Feature,但是对很多Local people,他们把信用卡当小额短期贷款,这个低利率可是很重要的)
Scotia Value VISA
$29 annual fee/No supplementary card fee
Interest rate 11.49%
Up to 20% discount at AVIS Rental car
*Scotia还有一种no-fee Scotia Value VISA可以选择
RBC Classic Low Rate VISA
$20 annual fee/No additional card fee
Interest rate 11.9%
Purchase Security
Extended Warranty Protection
TD Emerald VISA
$25 annual fee/No additional card fee
TD prime+1.9% to 6.9%
Budget Rent a car Preferred rate
CIBC Select VISA
$29 annual fee/No additional card fee(max 3)
Interest rate 11.5%
100,000 Common Carrier Accident Insurance
20% discount at AVIS Rental car
BMO Low Rate Plan
$35 annual fee/No additional card fee
Interest rate 11.9%
Air miles:$40=1 Air mile or
1.5% cash back Shell Gas 0.5% all others
Purchase Security
Extended Warranty Protection
四、适合学生的信用卡
Scotia L’earn VISA
No annual fee
Interest rate 18.59%
Cash back 1%: first $500 0.25%, next $500 0.5%, then 1%
Up to 20% discount at AVIS Rental car
RBC Classic II Student VISA
$15 annual fee
Interest rate 19.5%
Purchase Security
Rewards program
$1=1point
Thrifty Rental car discount
Extended Warranty Protection
TD Rebate Rewards VISA
No annual fee
Interest rate 19.75%
Cash back: first $3000 0.5%, over $3000 1%
Budget Rent a car Preferred rate
CIBC Classic Student VISA
No annual fee
Interest rate 18.5%
Purchase Security
Extended Warranty Protection
100,000 Common Carrier Accident Insurance
20% discount at AVIS Rental car
BMO Student Mosaik MC
No annual fee
Interest rate 19.5%
$40 Purchases=1 reward mile or
BMO Student Cash Back MC: 0.5% cash back, 1.5% cash back at Shell Gas Stations
五、其它
各大银行会推出有自己特色的信用卡,比如SCOTIABANK 的 SCENE VISA, 使用信用累积积分可以换电影票。NO-FEE, INTEREST RATE 19.5%, 很适合喜欢电影的朋友。
问题是不会有的,但至少要知道这个卡是否有年费,RATE是多少。因为几个同事都用的BMO的支票与储蓄账号,所以前几日也跟风去BMO开了户,并且提前听同事建议让公司开了雇主信,就同时申请了BMO的信用卡,不用预存现金,两星期后寄到公司,但是在现场办理时银行的agent没有过多的介绍信用卡的知识,不知道自己申请的信用卡是什么类型,并且奇怪的是,在我手里的一大堆银行给的资料当中,竟然没有一张是有关申请信用卡的材料。不知道会不会出问题。
那种卡能提供租车保险的?
最好没有年费的。
学习ING,希望大家多提供点儿把5大银行的信用卡产品做了一个比较,贴出来和大家SHARE一下。
信用卡按针对客户群分类,可分如下几类
一、经常出差、旅游想用卡积累里程的用户
ScotiaGold Passport
$110 annual fee/$30 additional card fee
$1=1 point
Interest rate 19.5%
5% cash back on travel purchase
Reward options: merchandise, investment, travel purchase
*Scotia还有一种no-fee ScotiaGold VISA可以选择
RBC VISA Gold preferred
$110 annual fee/$40 additional card fee
$1=1 point
no cash back on travel purchase
Reward options: merchandise, investment, travel purchase
insurance coverage
TD First Class Travel Infinite
$120 annual fee/$50 additional card fee
$1=3 points purchases
$1=9 points on travel purchases with TD
no cash back on travel purchase
Reward options: travel purchases
redemption in 10,000 points increments
Limited insurance coverage
CIBC AeroGold
$120 annual fee/$50 additional card fee
$1=1 mile
$1=1.5mile on gas, drug stores and grocery
no cash back on travel purchase
15,000 points for short haul flights
Reward options: merchandise, investment, travel purchases
BMO Mosaik Air Mile MC
$90 annual fee/$15 additional card fee
$15=1 Air Mile
Cash back available for a fee
Travel Restrictions: Round trip only, Saturday stay over, Advance booking
Limited insurance coverage
二、Cash back即返现金的信用卡
Scotia Momentum VISA
$39 annual fee/$15 additional card fee
2% Cash back on gas, groceries, drug stores and recurring payments; 1% cash back on other purchases
Interest rate 19.99%
No min spend/Maximum 25,000 at 2%
Purchase Security
Extended Warranty Protection
*Scotia还有一种no-fee Scotia Moneyback VISA可以选择
RBC
RBC最新推出cash back VISA, 2010年底前申请可免一年年费
2010年底前在指定商家消费,可获5%现金返还,其它店铺1%返还
TD Gold Elite VISA
$99 annual fee/$39 additional card fee
1% cash back on purchases
No min spend
Purchase Security
Extended Warranty Protection
Lost luggage and Rental car
Budget Rent a car Preferred rate
CIBC Platinum Dividend
$79 annual fee/$30 additional card fee
Up to 2% cash back on purchases
Must spend $35,000 to earn 2%
Maximum $50,000 spend
Purchase Security
Extended Warranty Protection
Travel Medical Ins/Rental car discount
BMO Mosaik Premium
$49 annual fee/No additional card fee
3% cash back at Shell gas stations
1% cash back on purchases elsewhere
3% cash back capped at 2,500/mth
Purchase Security
Extended Warranty Protection
Lost luggage and Rental car
*除了5大银行外,其它FINANCIAL INSTITUTIONS也有类似的CASH BACK 信用卡发布,比如AMERICAN EXPRESS, MBNA
三、Low Rate即低利率的信用卡(个人认为华人或许并不看重这一Feature,但是对很多Local people,他们把信用卡当小额短期贷款,这个低利率可是很重要的)
Scotia Value VISA
$29 annual fee/No supplementary card fee
Interest rate 11.49%
Up to 20% discount at AVIS Rental car
*Scotia还有一种no-fee Scotia Value VISA可以选择
RBC Classic Low Rate VISA
$20 annual fee/No additional card fee
Interest rate 11.9%
Purchase Security
Extended Warranty Protection
TD Emerald VISA
$25 annual fee/No additional card fee
TD prime+1.9% to 6.9%
Budget Rent a car Preferred rate
CIBC Select VISA
$29 annual fee/No additional card fee(max 3)
Interest rate 11.5%
100,000 Common Carrier Accident Insurance
20% discount at AVIS Rental car
BMO Low Rate Plan
$35 annual fee/No additional card fee
Interest rate 11.9%
Air miles:$40=1 Air mile or
1.5% cash back Shell Gas 0.5% all others
Purchase Security
Extended Warranty Protection
四、适合学生的信用卡
Scotia L’earn VISA
No annual fee
Interest rate 18.59%
Cash back 1%: first $500 0.25%, next $500 0.5%, then 1%
Up to 20% discount at AVIS Rental car
RBC Classic II Student VISA
$15 annual fee
Interest rate 19.5%
Purchase Security
Rewards program
$1=1point
Thrifty Rental car discount
Extended Warranty Protection
TD Rebate Rewards VISA
No annual fee
Interest rate 19.75%
Cash back: first $3000 0.5%, over $3000 1%
Budget Rent a car Preferred rate
CIBC Classic Student VISA
No annual fee
Interest rate 18.5%
Purchase Security
Extended Warranty Protection
100,000 Common Carrier Accident Insurance
20% discount at AVIS Rental car
BMO Student Mosaik MC
No annual fee
Interest rate 19.5%
$40 Purchases=1 reward mile or
BMO Student Cash Back MC: 0.5% cash back, 1.5% cash back at Shell Gas Stations
五、其它
各大银行会推出有自己特色的信用卡,比如SCOTIABANK 的 SCENE VISA, 使用信用累积积分可以换电影票。NO-FEE, INTEREST RATE 19.5%, 很适合喜欢电影的朋友。
多多益善,呵呵一、经常出差、旅游想用卡积累里程的用户
ScotiaGold Passport
$110 annual fee/$30 additional card fee
$1=1 point
Interest rate 19.5%
5% cash back on travel purchase
Reward options: merchandise, investment, travel purchase
*Scotia还有一种no-fee ScotiaGold VISA可以选择
RBC VISA Gold preferred
$110 annual fee/$40 additional card fee
$1=1 point
no cash back on travel purchase
Reward options: merchandise, investment, travel purchase
insurance coverage
TD First Class Travel Infinite
$120 annual fee/$50 additional card fee
$1=3 points purchases
$1=9 points on travel purchases with TD
no cash back on travel purchase
Reward options: travel purchases
redemption in 10,000 points increments
Limited insurance coverage
CIBC AeroGold
$120 annual fee/$50 additional card fee
$1=1 mile
$1=1.5mile on gas, drug stores and grocery
no cash back on travel purchase
15,000 points for short haul flights
Reward options: merchandise, investment, travel purchases
BMO Mosaik Air Mile MC
$90 annual fee/$15 additional card fee
$15=1 Air Mile
Cash back available for a fee
Travel Restrictions: Round trip only, Saturday stay over, Advance booking
Limited insurance coverage
超级低端卡,还用来推荐,你说的出差是开车么?如果真的出差,使用Amex 的Platinum,在机场可以进lounge,在多伦多机场check-in不用排队。而且众多benefits。
二、Cash back即返现金的信用卡
你推荐的cash back卡没有任何一个可以和mbna 的smart cash比,不用年费,3% on gas and grocery, (包括T&T,鼎泰,这些中国店), 其他任何地方都是1%
三、Low Rate即低利率的信用卡(个人认为华人或许并不看重这一Feature,但是对很多Local people,他们把信用卡当小额短期贷款,这个低利率可是很重要的)
如果要low rate,当然要去capital one的网站看看,capitalone.ca,lifetime 6.99 还不要年费。
总结,
- TD 有几款卡还不错,你如果和他们有premium checking account,所有卡都是免费(checking account自己也可以免费,只要你存5000)。
- Scotia bank 的卡不管从那个角度来说都是最差的。要远离。
- BMO最主要的是airmiles 卡,但是airmiles 这个currency相当不值钱。你花1000快钱,还不容易搞100AirMiles,但是你到metro ,经常都是买100,送100。所以让这个AirMiles 根本不值钱。所以不推荐。
- 很多银行都有好卡,Amex Costco cashback, 1-2-3 percent, gas 2%, 饭馆3%; 如果你使用卡来travel,他们的platinum, gold, 很多高端卡非常适合你,不过年费很贵,但服务很多。
- 小公司如capitalone.ca, 也有很多好卡,最近推出乐一个aspire, 年费120, 但是每年公司送你10,000 点,相当于100快钱。所以年费是20。所有的东西都是2%。但是他们redeem的时候有catch,你需要好好研究。以后可以探讨。
不懂也顶。只关注no fee,有cash back最好一、经常出差、旅游想用卡积累里程的用户
ScotiaGold Passport
$110 annual fee/$30 additional card fee
$1=1 point
Interest rate 19.5%
5% cash back on travel purchase
Reward options: merchandise, investment, travel purchase
*Scotia还有一种no-fee ScotiaGold VISA可以选择
RBC VISA Gold preferred
$110 annual fee/$40 additional card fee
$1=1 point
no cash back on travel purchase
Reward options: merchandise, investment, travel purchase
insurance coverage
TD First Class Travel Infinite
$120 annual fee/$50 additional card fee
$1=3 points purchases
$1=9 points on travel purchases with TD
no cash back on travel purchase
Reward options: travel purchases
redemption in 10,000 points increments
Limited insurance coverage
CIBC AeroGold
$120 annual fee/$50 additional card fee
$1=1 mile
$1=1.5mile on gas, drug stores and grocery
no cash back on travel purchase
15,000 points for short haul flights
Reward options: merchandise, investment, travel purchases
BMO Mosaik Air Mile MC
$90 annual fee/$15 additional card fee
$15=1 Air Mile
Cash back available for a fee
Travel Restrictions: Round trip only, Saturday stay over, Advance booking
Limited insurance coverage
超级低端卡,还用来推荐,你说的出差是开车么?如果真的出差,使用Amex 的Platinum,在机场可以进lounge,在多伦多机场check-in不用排队。而且众多benefits。
二、Cash back即返现金的信用卡
你推荐的cash back卡没有任何一个可以和mbna 的smart cash比,不用年费,3% on gas and grocery, (包括T&T,鼎泰,这些中国店), 其他任何地方都是1%
三、Low Rate即低利率的信用卡(个人认为华人或许并不看重这一Feature,但是对很多Local people,他们把信用卡当小额短期贷款,这个低利率可是很重要的)
如果要low rate,当然要去capital one的网站看看,capitalone.ca,lifetime 6.99 还不要年费。
总结,
- TD 有几款卡还不错,你如果和他们有premium checking account,所有卡都是免费(checking account自己也可以免费,只要你存5000)。
- Scotia bank 的卡不管从那个角度来说都是最差的。要远离。
- BMO最主要的是airmiles 卡,但是airmiles 这个currency相当不值钱。你花1000快钱,还不容易搞100AirMiles,但是你到metro ,经常都是买100,送100。所以让这个AirMiles 根本不值钱。所以不推荐。
- 很多银行都有好卡,Amex Costco cashback, 1-2-3 percent, gas 2%, 饭馆3%; 如果你使用卡来travel,他们的platinum, gold, 很多高端卡非常适合你,不过年费很贵,但服务很多。
- 小公司如capitalone.ca, 也有很多好卡,最近推出乐一个aspire, 年费120, 但是每年公司送你10,000 点,相当于100快钱。所以年费是20。所有的东西都是2%。但是他们redeem的时候有catch,你需要好好研究。以后可以探讨。
MBNA的Cash back 确实比较吸引人,如果这正是你想要的feature的话。
把5大银行的信用卡产品做了一个比较,贴出来和大家SHARE一下。
信用卡按针对客户群分类,可分如下几类
一、经常出差、旅游想用卡积累里程的用户
ScotiaGold Passport
$110 annual fee/$30 additional card fee
$1=1 point
Interest rate 19.5%
5% cash back on travel purchase
Reward options: merchandise, investment, travel purchase
*Scotia还有一种no-fee ScotiaGold VISA可以选择
RBC VISA Gold preferred
$110 annual fee/$40 additional card fee
$1=1 point
no cash back on travel purchase
Reward options: merchandise, investment, travel purchase
insurance coverage
TD First Class Travel Infinite
$120 annual fee/$50 additional card fee
$1=3 points purchases
$1=9 points on travel purchases with TD
no cash back on travel purchase
Reward options: travel purchases
redemption in 10,000 points increments
Limited insurance coverage
CIBC AeroGold
$120 annual fee/$50 additional card fee
$1=1 mile
$1=1.5mile on gas, drug stores and grocery
no cash back on travel purchase
15,000 points for short haul flights
Reward options: merchandise, investment, travel purchases
BMO Mosaik Air Mile MC
$90 annual fee/$15 additional card fee
$15=1 Air Mile
Cash back available for a fee
Travel Restrictions: Round trip only, Saturday stay over, Advance booking
Limited insurance coverage
二、Cash back即返现金的信用卡
Scotia Momentum VISA
$39 annual fee/$15 additional card fee
2% Cash back on gas, groceries, drug stores and recurring payments; 1% cash back on other purchases
Interest rate 19.99%
No min spend/Maximum 25,000 at 2%
Purchase Security
Extended Warranty Protection
*Scotia还有一种no-fee Scotia Moneyback VISA可以选择
RBC
RBC最新推出cash back VISA, 2010年底前申请可免一年年费
2010年底前在指定商家消费,可获5%现金返还,其它店铺1%返还
TD Gold Elite VISA
$99 annual fee/$39 additional card fee
1% cash back on purchases
No min spend
Purchase Security
Extended Warranty Protection
Lost luggage and Rental car
Budget Rent a car Preferred rate
CIBC Platinum Dividend
$79 annual fee/$30 additional card fee
Up to 2% cash back on purchases
Must spend $35,000 to earn 2%
Maximum $50,000 spend
Purchase Security
Extended Warranty Protection
Travel Medical Ins/Rental car discount
BMO Mosaik Premium
$49 annual fee/No additional card fee
3% cash back at Shell gas stations
1% cash back on purchases elsewhere
3% cash back capped at 2,500/mth
Purchase Security
Extended Warranty Protection
Lost luggage and Rental car
*除了5大银行外,其它FINANCIAL INSTITUTIONS也有类似的CASH BACK 信用卡发布,比如AMERICAN EXPRESS, MBNA
三、Low Rate即低利率的信用卡(个人认为华人或许并不看重这一Feature,但是对很多Local people,他们把信用卡当小额短期贷款,这个低利率可是很重要的)
Scotia Value VISA
$29 annual fee/No supplementary card fee
Interest rate 11.49%
Up to 20% discount at AVIS Rental car
*Scotia还有一种no-fee Scotia Value VISA可以选择
RBC Classic Low Rate VISA
$20 annual fee/No additional card fee
Interest rate 11.9%
Purchase Security
Extended Warranty Protection
TD Emerald VISA
$25 annual fee/No additional card fee
TD prime+1.9% to 6.9%
Budget Rent a car Preferred rate
CIBC Select VISA
$29 annual fee/No additional card fee(max 3)
Interest rate 11.5%
100,000 Common Carrier Accident Insurance
20% discount at AVIS Rental car
BMO Low Rate Plan
$35 annual fee/No additional card fee
Interest rate 11.9%
Air miles:$40=1 Air mile or
1.5% cash back Shell Gas 0.5% all others
Purchase Security
Extended Warranty Protection
四、适合学生的信用卡
Scotia L’earn VISA
No annual fee
Interest rate 18.59%
Cash back 1%: first $500 0.25%, next $500 0.5%, then 1%
Up to 20% discount at AVIS Rental car
RBC Classic II Student VISA
$15 annual fee
Interest rate 19.5%
Purchase Security
Rewards program
$1=1point
Thrifty Rental car discount
Extended Warranty Protection
TD Rebate Rewards VISA
No annual fee
Interest rate 19.75%
Cash back: first $3000 0.5%, over $3000 1%
Budget Rent a car Preferred rate
CIBC Classic Student VISA
No annual fee
Interest rate 18.5%
Purchase Security
Extended Warranty Protection
100,000 Common Carrier Accident Insurance
20% discount at AVIS Rental car
BMO Student Mosaik MC
No annual fee
Interest rate 19.5%
$40 Purchases=1 reward mile or
BMO Student Cash Back MC: 0.5% cash back, 1.5% cash back at Shell Gas Stations
五、其它
各大银行会推出有自己特色的信用卡,比如SCOTIABANK 的 SCENE VISA, 使用信用累积积分可以换电影票。NO-FEE, INTEREST RATE 19.5%, 很适合喜欢电影的朋友。