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Credit Card Deals:

这些卡有的前六个月在买菜加油等处有5%的返现,之后也有2%,有些卡加油买菜4%返现,每年拿回好几百。有的卡开卡就送2万积分,可以对换价值$75的礼品卡,涵盖加拿大加油,百货店各个方面,还不要年费,纯属白拿的福利。新来的学生信用分数低,可以从学生卡开始申请,慢慢建立自己的信用。各种好卡请您往下看

American Express Cobalt 信用卡

  • In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card.
  • Limited Time Offer: Apply by 01/30/18 and you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you spend a total of $3,000 in net purchases in your first 3 months
  • Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada
  • Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That’s 2X the points on purchases that get you from point A to B
  • Earn 1 point for every $1 in Card purchases everywhere else. We won’t tell you where to spend, we’ll just reward you on your Card purchases
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link.
  • Conditions Apply
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• 年费:每月CDN$10(年费CDN$120,附卡不收费)

• 积分:持卡人第一年每月消费C$500后可得到2500 MR的奖励。在2018年1月30日之前申请此卡,并在开卡后前三个月消费C$3000(现在申请正好可以用于黑五和boxing day 购物季),可再得额外10000 MR欢迎积分。也就是说,第一年一共有40000 MR的欢迎积分。

• 日常消费积分:买菜/餐厅吃饭等每消费c$1可得5 MR 积分,旅行/加油等每消费C$1可得2 MR 积分,其他消费C$1可得1 MR 积分。

American Express® Gold Rewards Card

  • New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of Cardmembership ; That’s enough to redeem for a round-trip Fixed Mileage Flight RewardTM to almost anywhere in North America
  • Annual Fee: $150 Annual Fee
  • Earn 2 points for every $1 on eligible travel and  everyday purchases. Earn one point for every $1 in Card purchases everywhere else
  • Charge any eligible purchase to your Card then log in to redeem your points for a statement credit
  • Book flights within Canada or to destinations  around the world for a fixed amount of points, with the Fixed Points Travel Program. You can book any airline , fly any day, and even book right up to a day before departure.
  • 1 Free Supplementary Gold Rewards Card (a $50 value) to help you earn points faster
  • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
  • *American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.
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Tangerine是原来的ING direct银行,现推出Tangerine Money-Back Credit Card,该卡无年费,在自选的3个类别中(买菜,家具,餐馆,酒店,加油,月付账单,药店,建材,娱乐,公共交通和停车),每笔消费都可以获得2%返现,其它消费可获0.5%返现。

开卡前6个月每笔消费都可以获得5%返现,最多$300, 以后所有消费可获2%返现。

开卡前三个月共$3000享受5%返现, 而后 买菜加油4%返现, 药店及按月支付的账单(如电话网络水电煤气)2%返现. 对于家庭日常花销,或是花销较大的个人,无疑将是最佳利器,每年可以拿回$700左右,堪比退税. 查看详情>>.

还可以到Grocery店去购买其它的礼品卡, 比如futureshop,这样买电器也有4%的返现了。(当然这招不可滥用,否则有可能会被关闭账户)。

申一张自己学校的卡满满的荣誉感,没有年费,1%消费回馈。

Other Universities:University of Ottawa | University of Alberta | University of Calgary | McGill University | University of Guelph | University of Victoria

MBNA Rewards World Elite® MasterCard® credit card

  • Get all the features of the MBNA Rewards card with more earning potential
  • Earn 2 MBNA Rewards point for every $1 in eligible purchases‡
  • Get 10,000 bonus points after your first eligible purchase††
  • No limit to the points that can be earned in a year, points don’t expire
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • Enjoy price protection** and concierge services**
  • $89 annual fee
  • Take advantage of a credit card that rewards you for who you are.
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开卡送10000 积分=$100,首年无年费!

Scotiabank® GM®* VISA* Card

  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • Earnings do not expire
  • No earning or redemption caps
  • No Annual fee
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对于感兴趣买GM旗下品牌汽车的人士,这张卡每年前5千消费都返还5%,也就是$250可以用于报销买车花销,超过5千的部分也有2%。

本卡还有年费版本:每年前$10000消费 5%返现用于购买GM汽车,而后2%,年费$79

The Starwood Preferred Guest®* Credit Card from American Express

  • New Starwood Preferred Guest®* Credit Card from American Express Cardmembers, earn 20,000 Welcome Bonus Starpoints®* after you charge $1500 in purchases to your Card in your first three months of Cardmembership. That’s enough for up to 5 free nights1.
  • You can earn 2 Starpoints for every dollar of eligible purchases charged to the Card at participating SPG®* and Marriott Rewards®* hotels from November 15, 2016 through November 15, 201720
  • Earn 1 Starpoint for every $1 in all other purchases charged to the Card.2
  • Receive a Free Weekend Night Award when you reach $40,000 in purchases each year.3
  • Enjoy an automatic upgrade to Starwood Gold Preferred Guest membership when you reach $30,000 in purchases each year.4
  • As a Cardmember, you5 could earn more Starpoints by referring a friend. For each approved referral you could earn a referral bonus of 10,000 Starpoints.6
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SCENE® VISA card

  • Start with 2,000 bonus SCENE points when your first purchase is made within the first 60 days
  • Earn 5 SCENE points for every $1 you spend on SCENE VISA purchases at participating Cineplex EntertainmentΔ theatres or online at cineplex.com
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • $0 annual fee
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为学生及爱看电影的达人设计,没有年费,开卡送2000点,够换2张电影票, 看电影消费5倍积分.

Platinum Plus® MasterCard® credit card - 0% for 12

  • 0% promotional annual interest rate† (AIR) on balance transfers✪ for the first 12 full months
  • Access to 24/7 customer service
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMS worldwide
  • No annual fee
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在其它的信用卡上欠了钱一时还不上可是要不得,利息可是高的吃人, 可以用这种卡过度一下,把债务转到这张卡,前12个月无利息!(注意转债务时有1%手续费)

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