Credit Cards

Best Cash Back Credit Cards in Canada 2018

Best cash back credit cards in Canada

Not all cash back credit cards are created equal. On the high end, a cash back card could have you enjoying 2% return on all your spending ‒ and on the low end, some cards only offer 0.4% back.

Simple enough, right? But here’s where things get complicated...

If perks and insurance are something you enjoy or if you’re looking for a card that won’t hold your cash hostage for an entire year ‒ then there are more factors to take into account more than just the return on spending.

Not only that, some cards are riddled with hoops and frustrating tiers that take away the ease and simplicity of cash back cards.

The point? It pays to look at the details.

2018 Cash Back Credit Card Rankings

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Best Travel Credit Cards in Canada 2018

Best Travel Credit Cards in Canada 2018

The best travel credit cards in Canada are some of the most attractive credit cards you can get your hands on.

With lucrative rewards to jet-set worry-free across the globe, comprehensive travel insurance and premium rare perks ‒ it almost sounds too good to be true.

Sure, you could just go with any old card or with the first card that comes along…

But if you want to save money and use travel rewards to get you (and that special someone) on your next vacation faster? Then you’ll need to know the true value of these travel rewards in dollars.

The catch? Sifting through more than 100 travel credit cards in Canada ‒ each with 50+ features, complicated tiered rewards programs and lots of fine print ‒ is confusing at best, and impossibly tedious at worst.

Unless, you only need to look at one single number ‒ one simple score to know which card will give you the best overall value.

2018 Travel Credit Card Rankings

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Which AIR MILES Credit Card Is Best For 2018?

The best AIR MILES credit cards

What if you want a rewards program that will allow you to redeem for more than just travel?

AIR MILES are still one of those most commonly collected and used rewards programs in Canada, and for good reason.

You have two main options for redemption:

  • As AIR MILES Cash Rewards (or Cash Miles) – which can be used as cash towards everyday shopping purchases at participating partners, or
  • As AIR MILES Dream Rewards (or Dream Miles) – which can be used to go on dreamy vacations, get exciting event tickets, score some great merchandise, or even to enter AIR MILES Dream Sweepstakes.

No matter what way you most like to redeem your rewards, if you are one of the 2 in every 3 Canadians who still choose to collect, you might as well choose a top AIR MILES credit card to help you earn and redeem that much faster.

Compare AIR MILES Credit Cards

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PC Financial Mastercard Review - Big Grocery Rewards, No Annual Fee

PC Financial Mastercard review

This article was sponsored by PC Financial®.

My very first rewards credit card was the brand new (at the time) no fee PC Financial Mastercard. That was all the way back in the early 2000s.

Why did I choose it?

Like many others I was enticed by free groceries with no annual fee.

I saw a banner outside of the newly constructed Superstore in my area advertising grocery rewards with no annual fee and I was already a PC Financial day to day banking customer, so the choice was easy.

I kept the card for a few years and loved it until I got pulled over to the dark side of travel rewards and decided I wanted to see the world. But, I’ve often thought back fondly on my experience with that card over the years and even considered re-applying a time or two.

Since then, PC Financial has continued to improve their line of credit cards and have added two new cards to the fold – the World and World Elite versions of the card – that come with plenty of extra rewards and perks.

How The PC Financial Mastercard Works

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Review: SimplyCash Preferred From American Express

American Express SimplyCash Preferred review

The SimplyCash Preferred Card from American Express is like the big brother to the no-fee SimplyCash card in that it has higher cash back and more perks, but comes with an annual fee of $99 to account for them.

You’ll get 2% cash back on ALL purchases, which is a really good rate, and the annual fee is less than many of its main competitors.

However, this card definitely fills a nice niche that you will begin to appreciate as you peruse the pros and cons below. The sign up bonus that is effectively worth $300 is also nothing to sneeze at because none of the other cash back cards come close to this - they typically come in at around $100, if a bonus is offered at all.

Quick Facts

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The Case For – Or Against – A Cashless Society

The case for (or against) a cashless society

What happens if the physical monetary unit goes away?

Does that mean we’re going down a bad rabbit trail to a place where society should not go?

Is a move toward digital currency like Bitcoin an inevitability?

We’ve got questions, but with no clear answer.

To start, how about we have to look at a couple of points:

  1. The unit of cash itself
  2. The payment process, security and anonymity

While this is entirely way too large to discuss all in one article, let’s start the conversation anyway.

Money, money, money…money!

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31 Money Apps, Products, and Tools You Should Be Using

31 money apps, products, and tools you should be using

There are so many tools, products, and apps out there that it’s hard to know which ones to use. There’s so much choice that it’s easy to pass by some great money saving apps and tools without a second look.

It’s even harder to find stuff that works well for Canadians – nearly everything is targeted at Americans because of their larger population.

Even though I’m a tech-savvy guy, I still don’t use as many money tools as I probably should to truly maximize my money.

Some of it is due to privacy concerns – I don’t want to link up directly to my bank, credit card, or investing accounts. But, most of it is that initial barrier to entry of learning something new when what I already do works well enough.

It really helps when someone vets and recommends useful tools first before giving them a try yourself, don’t you think?

So here is a collection of apps, financial tools, and products I either use myself or think are worth using based on the reviews and features they offer.

You can find even more money saving deals and tools that I use everyday on our deals and tools page.

Best Money Saving & Personal Finance Apps

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Free Gift Card Offers (Up To $100 To Popular Stores)

Free gift card offers (Up to $100 to popular stores)

I've been touting free gift card offers on this site for a long time now: see here, here, and here. Most of them have been a free $100 gift card to or another popular Canadian store in return for applying for an awesome credit card that earns you even more free money in cash back or travel rewards.

These credit cards usually also come with no annual fee (at least for the first year) and sometimes a hefty points sign up bonus to boot. Then, after the first year, there is no obligation to continue with the card if you decide it isn't for you. It's really a fantastic deal and one I've taken advantage of several times myself.

Since this has become a pretty regular thing, I thought I should make a permanent page that lists legitimate free gift card offers that I am aware of and will continue to update at the beginning of every month.

Proof That It Works

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Best Credit Cards in Canada 2017

The best credit cards in Canada

Can there really be one single BEST credit card?

Most people would say "no".

I agree, there is no one size fits all ... but, there is a one size fits MOST.

I've been honing my credit card comparison system that tracks and ranks credit cards by 50+ features for nearly 7 years now. I'm not just comparing points or rewards either. I'm figuring out the true value of each different reward point or mile and combining that with all the other features, insurance, and perks that each card offers so cards can be compared apples to apples. The result is one simple score out of 5.

All the research has been done and all the numbers have been crunched and updated. Finally, there can be one true champion that is best for most Canadians in 2017.

Of course, the decision of whether the winner meets your needs is all yours ... but you won't find a better starting point than this. (Not sure what to pick? Take this short quiz and find out.) Keep reading » about Best Credit Cards in Canada 2017

Best Credit Cards For Gas Discounts 2017

Best credit cards for gas discounts

Although electric cars are on the rise, the majority of us car owners are still pumping gasoline into our vehicles and it continues to be a big line item in our monthly budgets.

We've been fortunate in recent years that prices have dipped under $1 per litre ... but prices have been steadily creeping up again even with the cost of crude oil being BELOW what it cost in 1974. That won't last forever!

Credit cards are one tool that can be used to get a sizeable discount on those gas purchases because many cards offer bonuses specifically aimed at gas purchases.

Here are the cards that will help keep your wallet happy: Keep reading » about Best Credit Cards For Gas Discounts 2017