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CIBC CAR LOAN CALC FOR FREE
CIBC CAR LOAN CALC PLUS

The cash back rewards are not accessible all year round-cash back is paid out once a year.The annual fee is a steep one (after the first year), but that is easily made into cash back in your wallet, especially if you spend $1,200 in your first three months of having the card.The welcome offer is very competitive, too, with a double-digit earn rate.Comes with a lot of travel perks, making this a perfect card for travellers who enjoy cash back rewards.

The highest earn rate for popular spending categories in Canada make choosing this card a no-brainer.

Recommended credit score for approval: 660 or higher.

Additional benefits: Mobile device insurance, travel emergency medical and travel accident coverage, car rental damage/loss waiver, flight interruption and delayed and lost baggage insurance, and access to Visa Infinite experiences.

Annual income requirement: Personal income of $60,000 or household income of $100,000.

No annual fee in the first year, including on additional cards.

Welcome offer: You can earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).

Earn rate: 4% on groceries and recurring bills 2% on gas and daily transit 1% on everything else.

Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers.

Annual fee: $120 (waived for the first year).

Next, the not-so-obvious reasons for our pick? The fine print reveals very worthy perks for travel, insurance, experiences and more. Cardholders get impressive cash back rewards on popular spend categories, including 4% on groceries and recurring bills and 2% on gas and transit (including Uber), and a 1% base rate on everything else. No annual fee and no foreign transaction feesĬhoice between two interest rate and annual fee optionsīest overall cash back credit card Scotia Momentum Visa Infinite*įirst, the obvious reason this is MoneySense’s top card for cash back: It has damn good earn rates.

CIBC CAR LOAN CALC PLUS

$200 travel credit, plus incredible perks

CIBC CAR LOAN CALC FOR FREE

Redemptions for free hotel stays, plus point transfers to more than 40 airline programsģ0 points per $1 spent at Loblaw banner stores Low interest and balance transfer rates for a low annual feeĤ% cash back on gas purchases and EV chargingĤ% cash back on groceries and recurring billsĬash back redemptions in increments of as little as $1 Unlimited cash back on a 2% base earn rateĤ% cash back on gas, EV charging and groceriesĢ% cash back on two categories of your choice with no annual feeĦ Scene+ points per $1 spent on groceries at Sobeys banner storesįlexible points program (with airline transfers)Ģ points per $1 spent on food and 1 point on everything else with no annual feeĥ BMO Rewards points per $1 on food purchasesĪir Canada points bonuses and airline perks Simpl圜ash Preferred Card from American Express To view all the information in the chart below, use your mouse or two fingers to slide the columns right or left. Tap or click on a credit card name for more details. Our picks for the 20 best credit cards in Canada What to know about credit cards in Canada.What’s new with credit cards in Canada?.Best secured credit card for building credit.Best rewards card for everyday spending.Best cash back card for bonus categories.Our picks for the 20 best credit card in Canada.