Here we list the best credit cards of 2021 which offer great signup bonuses, 0% APR, high credit scores, and excellent rewards. Blue Cash Everyday® Card. The Capital One card offers a few perks too, including zero foreign transaction fees. No annual fee and you get some pretty good cash back rewards on things like Uber and hotels. I'm looking for suggestions for something better. Need Advice on Credit Cards, and Reddit Reviews If Possible Hey guys, I’m looking for the best credit cards in the U.S. I’d be looking to spend between $3,000 and $5,000 per month and currently have a 750 credit score. I highly recommend the Capital One Platinum card. • Amex Business Platinum : $499 ; 75,000 MR; $7,000, • Amex Platinum : $699 ; 60,000 MR; $5,000 **JUST ADDED**, • Amex Business Edge : $99 ; 40,000MR-S ; $5,000, • Amex personal Gold : $150 ; 30,000MR ; $1,500, • Amex Cobalt : $10/month ; 5,000MR-S/month (specific categories), $500 each month **ADDITIONAL 15,000PTS OFFER + $120 GCR BOOST**, • AMEX Marriott Bonvoy personal : $120 ; 65,000pts ; $3,000 **NEW OFFER**, • AMEX Marriott Bonvoy Business : $150 ; 65,000pts ; $5,000 **NEW OFFER**, • AMEX Platinum Air Miles : $120 ($20 net) ; 3,000 AM ; $1,500, • AMEX Simply Cashback Preferred : $99 (FYF via GCR); 10% cashback up to $400 ; $4,000, • AMEX Aeroplan Reserve : $599 ($299 net) ; 65,000 miles ; $6,000, • BMO WE AirMiles : FYF ; 3,000 AM ; $3,000, perks - promo link, • BMO WE MC Business : FYF ; 50,000pts ; $5,000, • CIBC Aeroplan Visa Infinite : FYF ; 20,000 miles + Buddy Pass; $1,000, • HSBC WE MC : FYF ; 40,000pts ; credits, no FX ; $5,000 **JUST ADDED**, • MBNA WE Alaska Airlines MC (QC excluded): $99 ($49 net), 30,000 AS miles; $1,000, • RBC WestJet : $119; $250 WestJet dollars, 1st purchase (or $450 with $5K MSR); perks **60K DROP OFFER**, • Scotia Momentum Visa Infinite : FYF ($120 GCR) ; 10% cashback up to $200 ; $2,000 **GCR BOOST**, • Scotia Amex Gold: $120 ($0 net via GCR) ; 30,000pts ; $1,000 ; no fx **GCR BOOST + NEW INCREASED OFFER**, • Scotia PAssport Visa Infinite : $139 ($19 net via GCR) ; 30,000pts ; $1,000 ; no fx **GCR BOOST + NEW INCREASED OFFER**, • TD Aeroplan Visa Infinite : FYF ; 20,000 miles + Buddy Pass; $1,000, • TD Business Travel Visa : FYF ; 100,000pts ; $5,000, • TD First Class Travel Visa Infinite : FYF ; 60,000pts ; $1,500. Good cards and cards worth considering in specific situations: • Amex Business Gold : $250, 40,000MR (via ref), $5,000, • AMEX Aeroplan : $120; 15,000 miles + Buddy Pass; $3,000, • BMO WE & WE AirMiles business cards : FYF ; 3,000 AM ; $5,000, perks, • BMO WE Cashback MC: FYF ; 10% cashback up to $200 ; $2,000, • BMO ECLIPSE VISA INFINITE : FYF ; 25,000pts ; $3,000, credit, • CIBC AVENTURA Visa Infinite : FYF ; 20,000pts+ ; 1st purchase, • CIBC Dividend Visa Infinite : FYF ; 10% cashback up to $200 ; $2,000 **NEW OFFER**, • MBNA Plat Alaska Airlines MC (QC excluded) : $75 ($25 net), 20,000 AS miles; $1,000, • MBNA Rewards WE MC (QC excluded): $120 ($50 via GCR), 30Kpts ; $2,000, • NBC WE MC : FYF ; $300; credits; $4,000, • RBC British Airways Visa Infinite : $165 ; 40,000pts ; $5,000, • TD First Class Travel Visa Platinum : FYF ; 40,000pts ; $1,000, Quick notes on AMEX Membership Rewards (MR). ... Fiscal 2021. The amount of cash back you can earn varies from around 0.5 cents per dollar spent (0.5%), with some of the best cash back credit cards in Canada offering up to 4 cents per dollar (4%) on certain spending categories (like groceries and gas), or occasionally more. Chase Sapphire Reserve®: Best Overall; Delta SkyMiles® Reserve American Express Card: Best for Delta; United Club℠ Infinite Card: Best for United Current credit cards: BoA Cash Rewards $2000, Nov 2019. Not sure when and which ones are easy to get here. 1,000 MR-S per month after spending $3,000 (on-going) note that MR-S can't be converted to airline programs. The most competitive 0% p.a. You will find more details further down for each card/program that currently have a good sign-up offer. It's a charge card with "no limit", though when COVID hit they decided they were going to impose a $2K limit (I cant recall what they call it other than a limit). Additional $200 WestJet (for a $450 total) after spending $5,000, Annual companion voucher for $119+fee in North America ($399 for the rest of the world)** CURRENT PROMO : voucher is free to use in NA and Caribbean), Direct link: Sign-up link or 60K via Drop, Scotia Amex gold (good because of no FX fees and and 5x categories), 30,000pts sign-up bonus (worth $300) after spending $1,000, 10,000pts incremental after spending $7,500, 5x at grocery, restaurants, food delivery and entertainment, Scotia Momentum Visa Infinite ($300 net bonus - no brainer), Scotia Passport Visa Infinite (good because of no FX fees and and 5x categories), 2x at grocery, restaurants, entertainment and transit, Priority Pass + 6 annual free entries - also good for PP restaurants, 100,000pts = $500 at Expedia For TD or $400 book on your own, TD First Class Travel Visa Infinite (lower income requirement), 60,000 points after spending $1,000 (no MSR in Quebec), TD First Class Travel Visa Platinum (60Kpts worth $300), 60,000 points after spending $1,500 (no MSR in Quebec). And all it gives you is Uber credit. You want a card that's been open for several years and has never missed a payment. Credit Cards With No Annual Fee of April 2021. More posts from the moneyadvice community, Press J to jump to the feed. not amex, i've run into a bunch of places/suppliers that dont support it. I always look here before making my next app. I keep this list updated so you can bookmark it. 3x on office supplies, electronics, rides & gas and eats & drinks, Sign-up via a business referral (for 40,000pts bonus), Sign-up via GCR for $100 cashback (but only 30,000pts bonus), Amex Business Platinum (greatest bonus in Canada), 75,000 MR after spending $7,000 (via referral), Sign-up vvia a referral for the 75,000pts bonus, Amex Cobalt (great for the 5x bonus on food category + great sign-up bonus - absolute no brainer), 2,500 MRS bonus each month (statement) you spend $500, Gives 5 MR-S per dollar on food (grocery, restaurant, bars) - so you could get 5,000MR-S per month you spend $500 on food when including the 2,500 bonus, Gives 2 MR-S/$ on travel, transport and gas, MR-S are MR-select which can’t be converted into airline miles – still can be converted to hotel points or travel credit, Sign-up: $120 cashback if signing-up via GCR or use a referral, Sign-up via Perkopolis for an additional 10,000 MR-S when spending $3,000 in 3 months (need to login in Perkopolis to see offer), Amex Marriott Bonvoy personal (the best hotel card in Canada), 65,000pts Marriott points after spending $3,000 - via referral, Earn 5pts per $1 at Marriott and 2pts per $1 everywhere else, Anniversary free night (up to 35Kpts) given each year starting the 2nd year, Amex Marriott Bonvoy Business (good card to add more Bonvoy points), 65,000 Marriott points after spending $5,000 - via referral, Earn 5pts per $1 at Marriott, 3pts for travel, gas and dining and 2pts per $1 everywhere else, 3,000 AM after spending $1,500 in 3 months, Get 25% miles back when booking flights with AM (once a year), Amex Simply Cashback Preferred (best cashback bonus), 10% cashback up tp $400 in first 4 months, Amex Aeroplan (good if you'll use the Buddy Pass), 1,000pts AP per months when spending $500 (first 6 months), Amex Aeroplan Reserve (if MSR is no issue and want 65Kpts for $299 net), 35,000pts AP + $100 credit after spending $3,000, 5,000pts AP per months when spending $1,000 (first 6 months), 3pts/$ on AirCanada purchases and 2pts/$ on hotels and car rentals, Worldwide Companion Pass after spending $25,000, BMO World Elite Air Miles MC (great for diversification – can be used for grocery or gas money while almost all other programs focus on travel redemptions), Mastercard LoungeKey membership + 2 free entries, Need promo link (public offer is now reduced to 2K miles), BMO Air Miles Business (similar to personal version - requires business papers), BMO ECLIPSE VISA INFINITE ($217 net bonus - only redeemable at BMO Rewards), 25,000pts (worth $167 on BMO Travel) after spending $3,000, 5x (3.35%) on grocery, restaurants, gas and transit, BMO World Elite Business (requires business papers), 50,000pts after spending $5,000 (worth $335 as travel credit via BMO’s portal), Earns 3pts (2%) gas, office supplies and cell phone/internet, 20,000 Aeroplan miles after spending $1,000, Free check bag and preferred pricing on flights, CIBC AVENTURA VISA INFINITE (decent offer), 20,000pts after 1st purchase (worth $200 on CIBC Rewards Travel), 1,250pts bonus each month you spend $1,000 during 1st year, PriorityPass + 4 passes (includes restaurants), CIBC DIVIDEND VISA INFINITE (another $200 cashback offer), 20,000pts additional point after spending $5,000, Earns 6pts/$ on travel and 3pts/$ everywhere else, QUEBEC offer : $149 AF and 70Kpts after 4 months, MBNA WE Alaska Airlines MC (no brainer) - no bonus offered in Quebec, Annual round-trip companion fare for $121 USD + free baggage, MBNA Platinum Alaska Airlines MC (good offer for people not qualifying for WE) card not offered in Quebec, MBNA Rewards World Elite MC (good offer for a MasterCard) offer not valid in Quebec, $120 AF ($70 net after $50 cashback from GCR), 20,000pts ($200 in travel) after spending $2,000, 10,000pts for enrolling in paperless statement, NBC WE MC (ok if you can use the travel credits), $300 cashback after spending $4,000 in first 3 months, $250 annual travel credits ($100 airport parking + $100 baggage + $50 seat selection), RBC AVION Visa Infinite (no promo currently - 15K with $120 - I don't recommend to sign-up now), RBC Bristish Airways Visa Infinite (solid sign-up bonus if you need Avios and can meet minimum spend), 40,000 Avios miles after spending $5,000 in 3 months, Note that miles tend to post after a few months only, Companion e-Voucher after spending $30,000, RBC WestJet WE Mastercard (great offer with WJ $ + companion voucher). Bank of America offers 3% on online purchases. One of the things that stands out for me is their customer service. American Express® Gold Card: Best for dining rewards; Capital One Venture Rewards Credit Card: Best for airline rewards; Citi® Double Cash Card: Best … But I also have the Chase Freedom card for the 5% rotating categories. TD cashback infinity went to 6%, HSBC WE gone). You can’t beat that signup bonus. Would love to know other thoughts on this as well. Learn More. on Discover's website, or call (800) 347-0264. Best . I currently have an Amex Business Gold card for my company (corp). Thanks! Hey guys, I’m looking for the best credit cards in the U.S. I’d be looking to spend between $3,000 and $5,000 per month and currently have a 750 credit score. The Royal Bank of Canada (RBC) offers credit cards in various categories including cash back, student, travel, low-interest rates, and for business. In you particular case if no FX is huge, I'd consider the Scotia Passport Visa Business : 30,000pts bonus after spending $5,000 + another 10,000pts after spending $60,000, Pririty Pass with 6 passes annually (and includes PP restaurants). The cash back it offers over the long haul aren’t the standout best, but the signup bonus will definitely make up for that. Oldest account age: 1 years, 4 months. What do you recommend? Capital One - Quicksilver best for foreign transactions. Ideally would prefer something with a good cash back/rewards scheme on all purchases. It’s a very good CC, although it’s mostly for beginners. (E.g. Also, because I’m on a fairly low income, I’ve been told that it’s better if I get a card with a really high bonus? Press question mark to learn the rest of the keyboard shortcuts. For me, I'm currently working with the RBC WestJet WE Mastercard and the BMO World Elite MC. Sign-up : via a referral for the extra 5K. Maybe you might wanna jump right into their Quicksilver card (which is the one I have nowadays). This card’s no annual fee makes it a great starter card. Sounds like it suits what you need right now, especially with the preferred rewards bonus. I’m currently earning 3.6% back on dining and travel purchases. Best rewards credit cards of 2021. The BMO CashBack Mastercard for students is our top-rated student credit card in Canada. I dont mind an annual fee if the rewards trump the fees. This list is based on churning value so focuses mainly on sign-up bonuses. Pretty much everything but spam is allowed here but you'd probably get more answers in the daily thread. However, you forgot to remove the hsbc card. It’s a pretty sweet deal, especially if you’ve got a wife that likes to shop, ha ;). And further, if you have the card applied to a Bank of America checking account, you’ll get extra cash back. Summary (+/-) The 6 best student credit cards in Canada for 2021. The Chas card also offers 5% rotating categories. This is based on current offers for churners (highly focused on sign-up bonuses and travel perks). Or are the savings/point system so lucrative that if you travel a couple of times a year, it really pays dividends? This list goes over the best cash back credit cards in Canada. The Capital One Platinum Credit Card gives you the opportunity to get a credit limit increase after as little as 6 months, something not often seen with credit-builder cards. I have a Bank of America card plus a few others. Chase Freedom Flex℠: Best feature: Wide range of cash back rewards. Best credit cards for fair credit Capital One Platinum Credit Card Why this is the best credit card for fair/average credit with building credit. Once I’ve spent enough too uplifts for it, I might switch to the Barclays Uber card because so many purchases (such as online, groceries, restaurants and even gas) are covered by the 2% rewards. That would be good! Check out 2021’s top 5 student credit cards here.. cash back rewards ideal, dont travel much due to COVID. 60,000MR after spending $5,000 - via referral, Earn 3MR per dollar spent on dining and 2MR/$ on travel, Gives gold status at Marriott and Diamond status at Hilton, Priority Pass membership + unlimited entries, 40,000MR (via referral) after spending $5,000, or 40,000 MR-S via referral after spending $5,000. The Chase offers a handsome signup bonus and its UR points are more valuable *if* you decide to transfer to the other Chase cards (mine is a Chase freedom card). Easily the best. Best Balance Transfers. For you and your situation and what you’re looking for, I’d definitely recommend Capital One. Joe Van Brussel. You don’t get cash. Canada’s best low interest credit cards 2021 By Julie Cazzin and Keph Senett on December 31, 2020 If you carry a balance, consider these low-interest cards. I spend ~$12K a month on this card, and have effectively been preloading it with $5K at a time as clients pay up. Credit Cards Tips. Maximise Reward Points. My objectives, in order: something that has an actual limit and not this arbitrary bullshit made up on the spot crap that Amex pulls with these charge cards (I'd be happy with 5K, but more is better). 268 members in the CNNauto community. Green Dot primor® Visa® Gold Secured Credit Card: Best for Low APR; UNITY® Visa Secured Credit Card: Best for Balance Transfers; U.S. Bank Secured Visa® Card: Best for … Just curious in general why people wouldn't automatically go for cash back credit cards. 4.8 Rates & Fees. ; Discover it® Cash Back: Best feature: Cash back on everyday purchases. It also offers a flat 1% cash back. Pretty good deal. I’ve been looking at cards that have a cash back of 2%. Also, many loyalty programs points can be exchanged for statement credit or gift cards too. Here is Forbes Advisor's List of the best ones for you. Would not recommend it. Plus you get a 2% purchase eraser. The Best Airline Credit Cards. Important : offers may change at anytime so make sure to always read the terms before applying. But Bank of America - you should definitely get a checking or savings account with them because you get even more perks. For example, if your cash back cards offers 1% cash back on all purchases, you receive $1 for every $100 spent using the card. MR are highly flexible and valuable points. It’s no longer a good option with only 20k in points. Number of credit cards approved for in the past 12 months: 1. Credit limit was something like $250 at first but grew to $500 after the first 6 months. Terms Apply. Recommendations for new churners: There are nearly 30 cards listed and I don’t recommend you sign-up for all of them. You can’t beat it. Bank of America® Cash Rewards credit card: Best feature: Grocery and gas spending. You’ll get up to 3% cash back on everything you buy, a valuable welcome bonus, and some extra perks to seal the deal. Best Credit Cards; Best Cash Back Cards; ... Reddit investors should look for companies with strong revenue growth and expanding market opportunities. … Discover it® Cash Back. Also, the no foreign transaction fee makes it a good card for overseas travel or … ; Blue Cash Everyday® Card from American Express: Best feature: Cash back on everyday purchases. Top tier cards currently (in my opinion – alphabetical order) : More posts from the churningcanada community. $250 WestJet dollars sign-up bonus at 1st purchase - Westjet dollars don't expire. What are the top 3 cards now ? The rules are hard to follow (daily or weekly threads?). I got approved for the BoA card recently! Pace your applications with your spending opportunities. Since the question of « which cards are the best » comes often and since promos changes constantly, here is a list of the top cards I think are worth considering. The gas rewards are the best although I also enjoy the 2% cash back for groceries. Forgot to say +$70 GCR so $271. GCR for the Aeroplan Reserve is now $200. Best Secured Credit Cards of 2021 Secured Mastercard® from Capital One Why this is the best secured credit card for no annual fee. Not sure if I’m really bothered about whether or not it comes with an annual fee. I think it is a good deal for QC residents. FYF means First Year Free. The best Canadian credit cards for 2021. … I have a Chase credit card and a Capital One Quicksilver card. That kinda makes me nervous when you consider what’s going on in that country atm. I’d prefer $500 of hotels over $200 cashback for example. ... Best credit cards for bad credit in April 2021 Maximize your travel and dining spending by choosing the right travel rewards credit card. I had removed it from summary, forgot the details. Category TD Credit Card Current Welcome Offers; Best TD Aeroplan credit card: TD ® Aeroplan ® Visa Infinite* Card: Up to 20,000 points and a bonus Canada Buddy Pass, annual fee rebate for the first year (ends May 30, 2021) ()Best TD flexible travel credit card Best rewards card for everyday spending: American Express Cobalt; Best flat-rate cash back card: SimplyCash Preferred from American Express; Best cash back card for groceries and gas: CIBC Dividend® Visa Infinite* Best no fee cash back card: Tangerine Money-Back Card; Best store/retail credit card: PC Financial World Elite Mastercard Number of credit cards approved for in the past 24 months: 2. I’ve been using Capital One Venture and been really happy with it. My score is still floating just under 700. I'm planning to cancel the RBC, and replace it with the AMEX Cobalt card. Uber used to be 5% dining, I swear. TD Aeroplan Visa Infinite is actually 20k Aeroplan points now (10k First purchase + 10k after $1000) and the buddy pass is still on it, making it a very solid card. I usually go with best overall value. Or, if you're looking to save the most money with 1.99% interest for 9 months ‒ we've got that covered too. Bank of America for the bonus. Plus, their reward programs are really great. $350 - $149 = $201. But not all cash back credit cards are created equal. The best student credit cards in Canada 2021 BMO CashBack Mastercard, CIBC Dividend Visa for Students — Best for cash back BMO Air Miles Mastercard — Best for Air Miles Yup, great offer that came up this morning, I need to edit. I might also replace the BMO with something, but haven't decided. Offers come and go, but there are always offers to apply to. Dia Adams Editor ... Finding the best credit card for your needs can be overwhelming, especially if you’re new to the world of credit. Citi® Double Cash Card: Cash Back; U.S. Bank Visa® Platinum Card: Rates; Petal® 2 Visa® Credit Card: Beginners; Chase Sapphire Preferred® Card: Bonus Rewards; Capital One Venture Rewards Credit Card: Travel Rewards; Chase Freedom Unlimited®: Good Credit; Blue Cash Preferred® Card from American Express: Groceries Good cards and cards worth considering in specific situations: • Amex Business Gold: $250, 40,000MR (via ref), $5,000 • AMEX Aeroplan: $120; 15,000 miles + Buddy Pass; $3,000 • BMO WE & WE AirMiles business cards : FYF ; 3,000 AM ; $5,000, perks • BMO WE Cashback MC: FYF ; …

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