5大银行信用卡比较

[路还有多远？]

回复: 5大银行信用卡比较

RBC最烂

 

[webwizard]

回复: 5大银行信用卡比较

因为几个同事都用的BMO的支票与储蓄账号，所以前几日也跟风去BMO开了户，并且提前听同事建议让公司开了雇主信，就同时申请了BMO的信用卡，不用预存现金，两星期后寄到公司，但是在现场办理时银行的agent没有过多的介绍信用卡的知识，不知道自己申请的信用卡是什么类型，并且奇怪的是，在我手里的一大堆银行给的资料当中，竟然没有一张是有关申请信用卡的材料。不知道会不会出问题。

 

[十二少]

回复: 5大银行信用卡比较

因为几个同事都用的BMO的支票与储蓄账号，所以前几日也跟风去BMO开了户，并且提前听同事建议让公司开了雇主信，就同时申请了BMO的信用卡，不用预存现金，两星期后寄到公司，但是在现场办理时银行的agent没有过多的介绍信用卡的知识，不知道自己申请的信用卡是什么类型，并且奇怪的是，在我手里的一大堆银行给的资料当中，竟然没有一张是有关申请信用卡的材料。不知道会不会出问题。

问题是不会有的，但至少要知道这个卡是否有年费，RATE是多少。
BTW,你们申请工签的速度好快呀。

 

[keavin]

回复: 5大银行信用卡比较

很有用，不过想问楼主个问题，从国内过去的话需要带张国内的信用卡吗？带VISA的还是MASTER？还是不需要信用卡 到那边申请？
谢谢

 

[一路走进2010]

回复: 5大银行信用卡比较

还不是很懂，先留个记号，等过去之后，再好好研究。

 

[merdeparfum]

回复: 5大银行信用卡比较

准备申请个MBNA试试, 据说是bank of America 在加拿大的分行.

那就放心了，以前还是bank of America的用户呢，正好缺张Mastercard，准备申请了。
另外，楼主需要更新一下了，比如RBC也出了Cash Back的卡了，不过有19块年费。

 

[annoying]

回复: 5大银行信用卡比较

和美国比起来，加拿大的信用卡就是狗屎，很多方面甚至还不如欧洲的。

 

[cai_bird]

回复: 5大银行信用卡比较

那种卡能提供租车保险的？

最好没有年费的。

 

[annoying]

回复: 5大银行信用卡比较

那种卡能提供租车保险的？

最好没有年费的。

Rental Collision/Loss Damage Insurance
Visa Platium以上
Mastercard Gold以上
AMEX Gold以上
的权益

可选择的no fee大致有
http://creditcards.redflagdeals.com...&carry_balance=0&annual_fee_pref=0&attrs[4]=4

 

[wolvesh]

回复: 5大银行信用卡比较

信用卡 mark

 

[kaimono]

回复: 5大银行信用卡比较

不得不说你这个总结做得很烂。
列举了一堆烂卡。
看我下面的评论和推荐。

 

[十二少]

回复: 5大银行信用卡比较

RBC最新推出cash back VISA, 2010年底前申请可免一年年费
2010年底前在指定商家消费,可获5%现金返还,其它店铺1%返还

 

[ryan]

回复: 5大银行信用卡比较

请问楼主 我刚申请了CICB的学生信用卡 这个卡是不是什么都没有的 比如积分？ 还有听说MBNA卡很好申请？我是学生 可以吗？谢谢

 

[kaimono]

回复: 5大银行信用卡比较

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
超级低端卡，还用来推荐，你说的出差是开车么？如果真的出差，使用Amex 的Platinum，在机场可以进lounge，在多伦多机场check-in不用排队。而且众多benefits。


二、Cash back即返现金的信用卡
你推荐的cash back卡没有任何一个可以和mbna 的smart cash比，不用年费，3% on gas and grocery, （包括T&T,鼎泰，这些中国店）, 其他任何地方都是1%

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）
如果要low rate，当然要去capital one的网站看看，capitalone.ca，lifetime 6.99 还不要年费。

总结，

• TD 有几款卡还不错，你如果和他们有premium checking account，所有卡都是免费(checking account自己也可以免费，只要你存5000)。
• Scotia bank 的卡不管从那个角度来说都是最差的。要远离。
• BMO最主要的是airmiles 卡，但是airmiles 这个currency相当不值钱。你花1000快钱，还不容易搞100AirMiles，但是你到metro ，经常都是买100，送100。所以让这个AirMiles 根本不值钱。所以不推荐。
• 很多银行都有好卡，Amex Costco cashback, 1-2-3 percent， gas 2%, 饭馆3%; 如果你使用卡来travel,他们的platinum, gold, 很多高端卡非常适合你，不过年费很贵，但服务很多。
  
• 小公司如capitalone.ca， 也有很多好卡，最近推出乐一个aspire, 年费120, 但是每年公司送你10,000 点，相当于100快钱。所以年费是20。所有的东西都是2%。但是他们redeem的时候有catch，你需要好好研究。以后可以探讨。
  

 

[烙.铁]

回复: 5大银行信用卡比较

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最新推出cash back VISA, 2010年底前申请可免一年年费
2010年底前在指定商家消费,可获5%现金返还,其它店铺1%返还

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。

学习ING，希望大家多提供点儿

 

[烙.铁]

回复: 5大银行信用卡比较

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
超级低端卡，还用来推荐，你说的出差是开车么？如果真的出差，使用Amex 的Platinum，在机场可以进lounge，在多伦多机场check-in不用排队。而且众多benefits。


二、Cash back即返现金的信用卡
你推荐的cash back卡没有任何一个可以和mbna 的smart cash比，不用年费，3% on gas and grocery, （包括T&T,鼎泰，这些中国店）, 其他任何地方都是1%

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）
如果要low rate，当然要去capital one的网站看看，capitalone.ca，lifetime 6.99 还不要年费。


总结，

• TD 有几款卡还不错，你如果和他们有premium checking account，所有卡都是免费(checking account自己也可以免费，只要你存5000)。
• Scotia bank 的卡不管从那个角度来说都是最差的。要远离。
• BMO最主要的是airmiles 卡，但是airmiles 这个currency相当不值钱。你花1000快钱，还不容易搞100AirMiles，但是你到metro ，经常都是买100，送100。所以让这个AirMiles 根本不值钱。所以不推荐。
• 很多银行都有好卡，Amex Costco cashback, 1-2-3 percent， gas 2%, 饭馆3%; 如果你使用卡来travel,他们的platinum, gold, 很多高端卡非常适合你，不过年费很贵，但服务很多。
  
• 小公司如capitalone.ca， 也有很多好卡，最近推出乐一个aspire, 年费120, 但是每年公司送你10,000 点，相当于100快钱。所以年费是20。所有的东西都是2%。但是他们redeem的时候有catch，你需要好好研究。以后可以探讨。
  

多多益善，呵呵

 

[快乐痛苦]

回复: 5大银行信用卡比较

mark

 

[luckysunshine]

回复: 5大银行信用卡比较

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
超级低端卡，还用来推荐，你说的出差是开车么？如果真的出差，使用Amex 的Platinum，在机场可以进lounge，在多伦多机场check-in不用排队。而且众多benefits。


二、Cash back即返现金的信用卡
你推荐的cash back卡没有任何一个可以和mbna 的smart cash比，不用年费，3% on gas and grocery, （包括T&T,鼎泰，这些中国店）, 其他任何地方都是1%

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）
如果要low rate，当然要去capital one的网站看看，capitalone.ca，lifetime 6.99 还不要年费。


总结，

• TD 有几款卡还不错，你如果和他们有premium checking account，所有卡都是免费(checking account自己也可以免费，只要你存5000)。
• Scotia bank 的卡不管从那个角度来说都是最差的。要远离。
• BMO最主要的是airmiles 卡，但是airmiles 这个currency相当不值钱。你花1000快钱，还不容易搞100AirMiles，但是你到metro ，经常都是买100，送100。所以让这个AirMiles 根本不值钱。所以不推荐。
• 很多银行都有好卡，Amex Costco cashback, 1-2-3 percent， gas 2%, 饭馆3%; 如果你使用卡来travel,他们的platinum, gold, 很多高端卡非常适合你，不过年费很贵，但服务很多。
  
• 小公司如capitalone.ca， 也有很多好卡，最近推出乐一个aspire, 年费120, 但是每年公司送你10,000 点，相当于100快钱。所以年费是20。所有的东西都是2%。但是他们redeem的时候有catch，你需要好好研究。以后可以探讨。
  

不懂也顶。只关注no fee，有cash back最好

 

[balancer]

回复: 5大银行信用卡比较

MBNA的Cash back 确实比较吸引人，如果这正是你想要的feature的话。

我对这个卡爱不释手：
头半年 5% rebate on gas grocery，之后 3%
车多，人口多的家庭，太好了
从 www.greatcanadianrebates.ca 网站申请，审批后可拿 $60 rebate
从这个网站点击进入很多著名网站购物，都有rebate

没有年费!

 

[canroad]

回复: 5大银行信用卡比较

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最新推出cash back VISA, 2010年底前申请可免一年年费
2010年底前在指定商家消费,可获5%现金返还,其它店铺1%返还

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。

有用，留用，谢谢啦