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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

HSBC World Elite® Mastercard®

汇丰 World Elite 万事达卡
可获奖励高达 60,000 分($300 旅游价值)，另外主卡持有人在第 1 年可获年费全额回赠。申请截止日期为 2020 年 6 月 29 日。有条件限制。
魁北克省居民：可获开卡奖励高达 20,000 分($100 旅游价值)，另外可获奖励高达 70,000 分($350 旅游价值)，需要维持户口运作 180 天。申请截止日期为 2020 年 6 月 29 日。有条件限制。
主卡持有人年费：$149
签账年利率：19.9%
现金预支及结余转户年利率：22.9%
被授权使用者年费：每张卡 $50
Earn up to 60,000 Points ($300 travel value) PLUS a full annual fee rebate for the Primary Cardholder for the first year. Must apply by June 29, 2020. Conditions Apply.
For Quebec Residents: Welcome Bonus 20,000 Points ($100 travel value). Receive an additional 70,000 Points ($350 travel value) if you keep your account open and active for 180 days. Must apply by June 29, 2020. *Conditions Apply
Primary Cardholder Annual Fee: $149
Annual Interest on Purchases: 19.9%
Annual Interest on Cash Advances and Balance Transfers: 22.9%
Authorized User Annual Fee: $50 Per Card

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这张卡非常适合每年有旅行需求的人，对于经常往返中加的人士非常有吸引力。旅行花销可积攒3%积分回报，其他花销可得1.5%积分回报，积分可以用来兑换旅行奖励、礼品卡、商品、理财产品和其他奖励里程。没有货币转换费，即便是海淘网购也不用多付手续费。

HSBC +Rewards™ Mastercard®

HSBC +Rewards™ 万事达卡
可获奖励 10,000 分($50 旅游价值)，另外主卡持有人在第 1 年可获年费全额回赠。申请截止日期为 2020 年 6 月 29 日。有条件限制。
魁北克省居民：可获奖励 15,000 分（$75 旅游价值），需要维持户口运作 180 天。申请截止日期为 2020 年 6 月 29 日。有条件限制。
合资格的餐饮或娱乐签账，每 $1 可赚取 2 分。
签账、现金预支及结余转户，可获我们的最低利率。
价格保障服务——签账购物后 60 天内，如发现有更低价格，我们会退回差额，每个合资格项目最高 $500。
主卡持有人年费：$25
签账年利率：11.9%
现金预支及结余转户年利率：11.9%
被授权使用者年费：每张卡 $10
Earn 10,000 Points ($50 travel value) PLUS a full annual fee rebate for the Primary Cardholder for the first year. Must apply by June 29, 2020. Conditions Apply.
For Quebec Residents: Receive 15,000 Points ($75 travel value) if you keep your account open and in good standing for 180 days. Must apply by June 29, 2020. *Conditions Apply
Earn 2 Points for every $1 spent on eligible dining or entertainment purchases
Our lowest interest rate for purchases, cash advances and balance transfers
Price Protection Service - find a lower price within 60 days of your purchase, the difference will be refunded, up to $500 per eligible item
Primary Cardholder Annual Fee: $25
Annual Interest on Purchases: 11.9%
Annual Interest on Cash Advances and Balance Transfers: 11.9%
Authorized User Annual Fee: $10 Per Card

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这张卡本身自带夜光功能，颜值满分。在餐饮娱乐类消费每$1可以获得2积分，还可以享受11.9%的超低年息。这张卡购物险也很完善，除了有延长再多1年保修、90天盗损险以外，还可以获得60天价格保护服务。

Tangerine World Mastercard®

Special Offer: Earn a $250 Bonus in your first 3 months with a Tangerine World Mastercard®.* Apply for the Tangerine World Mastercard® by March 31, 2020, and if you’re approved and spend at least $5,000 in everyday purchases in your first 3 months, we’ll put a $250 credit on your Account. That’s like $250 back in your pocket.
New Client Transfer Promotion of 1.95% for 6 months with a 1% fee. You will be eligible for this Balance Transfer promotion for 30 days after being approved for a Tangerine Credit Card
Personalized categories and unlimited money-back rewards monthly
Automatic earning: Money-Back Rewards are earned automatically on everyday purchases and paid monthly. These can be applied to your Credit Card balance or redeemed into your Savings Account.
No annual fee
After promotional period, 2% cashback on your choice of up to 3 categories, 0.5% money back on all other purchases
Change your 2% Money-back categories to suit your spending from your choice of 10 categories
Interest on Purchases: 19.95%
Balance Transfer Regular Interest Rate: 19.95% after 6 months
Balance Transfer Fee: 3,00% of amount transferred or minimum $5.00 (Always on)
Cash Advance Fee: $3.50 within Canada, $5.00 outside Canada
Foreign Currency Conversion: 2.50% is added to the converted transaction amount
Dishonoured Payment Fee: $25
Over-Limit Fee: $25
Eligibility Requirements: Minimum income: $60,000 or Household income: $100,000；Recommended credit score: good-excellent
Zero Liability: You don't have to worry when you use your Mastercard credit card because it's covered by Zero Liability protection, whether you pay in a store, over the phone or online. As a Mastercard cardholder, you're not responsible in the event that someone makes unauthorized purchases with your card
Extended Warranty: Doubles the original manufacturer's or store brand warranty for up to one year when you pay with your eligible MasterCard.
Purchase protection: Provides coverage for most items you purchase with your eligible MasterCard if the item is damaged or stolen within 90 days of the date of purchase
Priceless Cities: Enjoy special and unique offers on unforgettable experiences around the world with Priceless Cities. Only available to MasterCard cardholders.
Exclusive Experiences and Offers: Cardholders get preferred access to an array of valuable offers, upgrades, and experiences. Take advantage of exceptional offers from upscale retailers and world-class hotels and resorts. Escape from the daily routine and relax at a spa, go on a thrill-seeking adventure, or take in a round of golf with pro instruction. Access restaurant and hotel reviews and make dining reservations on-line at sought-after restaurants. Purchase great seats for thousands of concert, theatre, and sporting events, even sold out shows.
Rental Car Collision/Loss Damage Insurance: Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card.
Mobile Device Insurance: Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure.
Mastercard® Airport Experiences Provided by LoungeKey: Make the most of your travel with Mastercard® Airport Experiences Provided by LoungeKey. Your complimentary membership gives you exclusive dining, retail and spa offers in over 400 airports worldwide, along with access to over 1000 lounges at $32 USD per visit. Learn more at airport.mastercard.com.

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无年费！现在开卡还有机会拿$250福利！可选最多3种消费类别，可享自选类别2%返现，其他类别0.5%返现。附加购物险、租车险、手机险，手机丢失、盗窃、意外损坏、机械故障赔最高$1000！还能以低价进机场休息室哦~

American Express® AeroplanPlus®* Platinum Card

New American Express® AeroplanPlus®* Platinum Cardmembers earn 40,000 Welcome Bonus Aeroplan®* Miles after spending $3,000 in the first three months of Cardmembership.
Earn 1.25 miles for every dollar in purchases you charge to the Card, up to $25,000 and accelerate your earn rate to 1.5 miles for every dollar in purchases over $25,000 annually
Enjoy an annual Partner Ticket™ benefit for a short-haulØ roundtrip Fixed Mileage Flight Reward®* in economy class when you redeem up to 15,000 Aeroplan Miles
Relax before you fly with unlimited access to the Air Canada Maple Leaf Lounge™** where available, in major airports across Canada and key international locations. Plus, receive complimentary membership in Priority Pass™– one of the world’s largest independent airport lounge programs
Breeze through airport lines with Air Canada Priority Check-in benefit and avoid the line-ups at security by accessing the Pearson Priority Security Lane located at the departure levels of Terminal 1 & 3 at Toronto Pearson International Airport
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 finance charges
Late payment fee: There is no late payment fee.
Return payment fee: This is not a mandatory disclosure.There is a return payment fee but Amex refers to it as a “dishonored payment fee” and you can find this information on the AMEX website. If you are to reference this fee, please reference it as a dishonored payment fee, not as a return payment fee.
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

Less Terms and Restrictions Apply

The Marriott Bonvoy™ American Express® Card

Card Type: Credit
Annual Fee: $120
Purchase Regular APR: 19.99%
Cash Advance Rate： 22.99%
New Marriott Bonvoy™American Express® Cardmembers earn 50,000 Marriott Bonvoy™ points enough for 3 free nights at a Category 2 hotel after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Offer subject to change at any time
Earn 5 points for every dollar in eligible Card purchases at participating Marriott Bonvoy™properties
Earn 2 points for every $1 in all other Card purchases
Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every anniversary
No annual fee on Additional Cards
Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels
Automatic Marriott Bonvoy Silver Elite status membership
Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy™ American Express® Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year
Return payment fee: This is not a mandatory disclosure.There is a return payment fee but Amex refers to it as a “dishonored payment fee” and you can find this information on the AMEX website. If you are to reference this fee, please reference it as a dishonored payment fee, not as a return payment fee.
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

Less Terms and Restrictions Apply

年费$120, 附卡无年费。开卡后3个月内消费$1500可得5万点万豪积分（可兑换3晚等级为Cat 2的酒店住宿）。在参与活动的Marriott Bonvoy酒店每消费$1可获得5个积分，其他每消费$1可获得2个积分。每年消费3万加币以上，可以升级到Marriott金会员。从持卡第二年开始，可得一张最高35,000 Marriott积分的免房券，可以在入住任何一间Category 1-5的Marriott/SPG旗下的酒店。

Scotiabank SCENE® VISA card

$0 annual fee
Earn 2,000 bonus points with your first $500 in everyday purchases in first 3 months.
Earn 1 SCENE point for every $1 you spend on credit card purchases
Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
Rates, fees and other information are effective as of March 1, 2018. Subject to change.

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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.

Tangerine Money-Back Credit Card

Special Offer: Earn a $250 Bonus in your first 3 months with a Tangerine Money-Back Credit Card.* Apply for the Tangerine Money-Back Credit Card by March 31, 2020, and if you’re approved and spend at least $5,000 in everyday purchases in your first 3 months, we’ll put a $250 credit on your Account. That’s like $250 back in your pocket.
1.95% Balance Transfer promo for 6 months (with a 1% fee) Clients will be eligible for this Balance Transfer promotion for 30 days after being approved for a Tangerine Credit Card.
No annual fee
No limit on the amount of Money-Back Rewards you can earn
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
Interest on Purchases: 19.95%
2.5% Foreign Conversion Fee
Cash Advance Fee: $3.50 within Canada, $5.00 outside Canada
Over-Limit Fee: $25
Dishonoured Payment Fee: $25
Free Cards for Authorized Users on your Account
Eligibility Requirements: Minimum income: $12,000； Recommended credit score: good-excellent
Zero Liability: You don't have to worry when you use your Mastercard credit card because it's covered by Zero Liability protection, whether you pay in a store, over the phone or online. As a Mastercard cardholder, you're not responsible in the event that someone makes unauthorized purchases with your card
Extended Warranty: Doubles the original manufacturer's or store brand warranty for up to one year when you pay with your eligible MasterCard.
Purchase protection: Provides coverage for most items you purchase with your eligible MasterCard if the item is damaged or stolen within 90 days of the date of purchase
Priceless Cities: Enjoy special and unique offers on unforgettable experiences around the world with Priceless Cities. Only available to MasterCard cardholders.
Exclusive Experiences and Offers: Cardholders get preferred access to an array of valuable offers, upgrades, and experiences. Take advantage of exceptional offers from upscale retailers and world-class hotels and resorts. Escape from the daily routine and relax at a spa, go on a thrill-seeking adventure, or take in a round of golf with pro instruction. Access restaurant and hotel reviews and make dining reservations on-line at sought-after restaurants. Purchase great seats for thousands of concert, theatre, and sporting events, even sold out shows.

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Tangerine 是 Scotiabank 的子银行，推出的卡片无年费，可享2%返现，其他消费可获0.5%返现。此外还有延长质保和消费保障等购物保险加持。现在申请还可以有机会获得$250开卡福利！

American Express® Gold Rewards Card

Annual Fee: $150 Annual Fee
New American Express® Gold Rewards Cardmembers, earn a Welcome Bonus of 25,000 Membership Rewards® points when you charge $1,500 in purchases to your Card in your first 3 months of Cardmembership
That’s enough to redeem for a round-trip Fixed Mileage Flight RewardTM to almost anywhere in North America .
Earn 2 points for every $1 in Card purchases on eligible travel and everyday purchases
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.
Free Additional 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.
Late payment fee: There is no late payment fee.
Return payment fee: This is not a mandatory disclosure.There is a return payment fee but Amex refers to it as a “dishonored payment fee” and you can find this information on the AMEX website. If you are to reference this fee, please reference it as a dishonored payment fee, not as a return payment fee.
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

More Terms and Restrictions Apply

American Express Cobalt™ Credit Card 信用卡

Card Type: Credit
Annual Fee: $10 per month ($120 annually)
No annual fee on Additional Cards
Purchase Regular APR: 19.99%
Cash Advance Rate： 22.99%
Penalty APR：23.99%-26.99% Variable
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. This could add up to 30,000 points in a year
30,000 points is enough for:
An eligible short-haul flight using the Fixed Points Travel Program, or
$300 in statement credits redeemed towards travel purchases charged to your Card or
$300 worth of tickets on Ticketmaster.ca
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
Get advance access to tickets to some of the hottest concerts, shows and events through Front Of The Line® by American Express Invites® and advance screenings to blockbuster movies
Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
Late payment fee: There is no late payment fee.
Return payment fee: This is not a mandatory disclosure.There is a return payment fee but Amex refers to it as a “dishonored payment fee” and you can find this information on the AMEX website. If you are to reference this fee, please reference it as a dishonored payment fee, not as a return payment fee.
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

More Terms and Restrictions Apply

• 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。也就是说，第一年最高可得30000 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。

Scotiabank®* Gold American Express® card

Annual fee $120
Earn 20,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months. (Valid until Mar 1st, 2020)
Earn 5x Scotia Rewards points for every $1 you spend at eligible grocery stores, on dining and entertainment
Earn 3x Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
Earn 1 Scotia Rewards point for every $1 you spend on all other eligible everyday purchases in any currency
Complimentary Concierge Services 24/7
Amex exlusive benefits
Rates, fees and other information are effective as of August 1, 2019. Subject to change.

More Terms and Restrictions Apply

买菜吃饭娱乐都有5倍积分，加油交通、线上流媒体服务等也有3倍积分。其他1倍积分。

美国运通American Express在信用卡中，服务最好是一致公认的. 这张专为旅行设计的信用卡，虽说有年费，但是最高5倍积分，各种旅行保险, 对于经常旅行的人士就物超所值了.

Scotia Momentum® Visa Infinite* card

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases), Plus, no annual fee in the first year, including on supplementary cards, A welcome offer value of $350. (Valid until Apr 30, 2020)
4% on eligible recurring bill payments and grocery store purchases
2% on eligible gas station and daily transit purchases
1% cash back on all other eligible everyday purchases
Complimentary Concierge Services 24/7
Visa Infinite Dining Series
Visa Infinite Music Series
Wine Country Wonders
Luxury Hotel Privileges
Comprehensive Travel Insurance & New Mobile Device Insurance coverage
Rates, fees and other information are effective as of August 1, 2019. Subject to change.

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在开卡奖励上，10%的所有消费返现很高，用户最多可通过这一返现拿到$200的返现；其次，Scotia免掉了这张卡首年$120的年费。而且买菜循环账单4%返现, 加油交通等2%返现，其他消费1%返现，对于家庭日常花销，或花销较大的个人，无疑是最佳利器，每年可以拿回$700左右，堪比退税。

American Express® SimplyCash™ Card

New SimplyCash™ Card from American Express Cardmembers can earn 2.5% cash back on purchases (up to $150 cash back) for the first 3 months of Card membership
Earn 1.25% cash back on purchases when your Welcome Rate ends
No limit to the amount of cash back you can earn after your Welcome Rate ends
Access to memorable experiences with American Express Invites®
Insurance coverage and 24/7 Customer Service
Late payment fee: There is no late payment fee.
Return payment fee: This is not a mandatory disclosure.There is a return payment fee but Amex refers to it as a “dishonored payment fee” and you can find this information on the AMEX website. If you are to reference this fee, please reference it as a dishonored payment fee, not as a return payment fee.
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

More Terms and Restrictions Apply

SimplyCash™ Preferred Card from American Express

New SimplyCash TM Preferred Card from American Express Cardmembers can earn 5% cash back on purchases for the first 6 months of Cardmembership (up to $300 cash back)
Earn 2.0% cash back when your Welcome Rate ends
No limit to the amount of cash back you can earn after your Welcome Rate ends.
Access to memorable experiences with American Express Invites®.
Extensive insurance coverage and 24/7 Customer Service
Late payment fee: There is no late payment fee.
Return payment fee: This is not a mandatory disclosure.There is a return payment fee but Amex refers to it as a “dishonored payment fee” and you can find this information on the AMEX website. If you are to reference this fee, please reference it as a dishonored payment fee, not as a return payment fee.
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. Offer subject to change without notice. Conditions apply

More Terms and Restrictions Apply

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。

年费$99

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
Annual Interest Rate: 17.99% on purchases, 17.99% on cash advances
Balance Transfer Regular interest Rate: 17.99%

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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

Scotia Momentum® No-Fee Visa

No annual fee
7.99% introductory interest rate on purchases for the first 6 months*
Cash back on everyday spending with no annual fee
1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
0.5% cash back on all other eligible everyday purchases
Rates, fees and other information are effective as of February 1, 2018. Subject to change.

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加油买菜手机账单等1%返现,其他0.5%，AVIS租车有20% off, 无年费，易申请

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