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加拿大五大银行信用卡全比较

2010-09-01 06:05:47  来源网站:综述  点击次数:

首先,小编整理了creditcards.ca上的关于加拿大信用卡搜索,按照不同的分类搜索相关的信用卡,请点击下面链接:

Low Interest Credit Cards
Reward Credit Cards
Cash Back Credit Cards
Airline Credit Cards
Student Credit Cards
Secured Cards

其次,下面是加拿大五大银行ScotiaRBCTDCIBCBMO针对不同的分类的信用卡的全比较:

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 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。


相关推荐:在加拿大选择适合自己的信用卡的方法

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