While many credit cards offer high earn rate in certain categories, they usually has 1% earn rate on other spends. To maximize rewards/cashback, you probably want to use credit cards with base earn rate higher than 1% on these spends. Credit Card Annual Fee Base Earn Rate Note American Express Simply Cash Preferred $9.99/month (Total…

While credit cards with 5X point rewards (i.e. earn 5 points for every dollar spending) are very popular in US, they are incredibly rare in Canada. Below is the list of credit cards in Canada that have 5X point rewards, and those reward points are worth at least 1 cent per point: National Bank World…

Most credit cards in Canada charge a 2.5% foreign transaction fee on purchases made in other currencies. Fortunately, there are several credit cards that have no foreign transaction fees. Exchange rate will be determined by credit card processor (Mastercard, Visa) at the time of purchase. Scotiabank Passport Visa Infinite Card Scotiabank Passport Visa Infinite Card…

No-fee credit cards can offer great value and benefits without the burden of annual fee. Below is a curated list of no-fee credit cards that cater for different spending habits: Best for dining and restaurant – Simplii Cashback Visa Simplii Cashback Visa earns 4% cashback on the first $5,000 in net annual card purchases on…