把5大银行的信用卡产品做了一个比较，贴出来和大家SHARE一下。
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 的 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。
