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致谢：网友十二少，总结的五大银行的信用卡特点。原文请点击这里。 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。 (责任编辑：无忧雅思) |