Credit Cards and Rewards Points

Credit cards don’t kill savings accounts, people kill savings accounts.  The first rule of credit cards isn’t “Never Use Them”, it’s simply to pay the balance every month.  If you’re not paying your balance off every month on your credit card, that absolutely needs to be your first step.  In fact, it’s so important, minimize this site and go do it right now!

Ok, now that you’re all squared away on your monthly balance, you are ready to start getting paid to buy stuff you were going to buy anyway.

My credit card gives me over $1,500 worth of “free” travel every year for an annual card fee of $120 – and I’ve never paid a cent of interest.  Read on to see our reviews of the best cards on the market.  If travel points aren’t your thing, we’ve looked at cards that give great cash back, cards specific to loyalty programs like the Shoppers Drug Mart Pharmaprix Optimum program, and even no-fee credit cards.  Read a few and find out which is best for you!

TD Aeroplan Visa Infinite Review

Shoppers Drug Mart Pharmaprix Optimum Points Card Review

RBC Visa Infinite Avion Credit Card Review

CIBC Visa Infinite Aerogold Review

Comparison of No-Free Travel Rewards Credit Cards in Canada

American Express Aeroplan Gold Card Review

MBNA World Points Credit Card Review

Canadian Credit Cards That Don’t Have Currency Conversion Fees

President’s Choice Financial World Elite MasterCard Review

Yes, I have done it again!  Signed up for another credit card.  This time, we had careful consideration because we needed a joint credit card.  Initially we were thinking of signing up for one of the Scotiabank credit cards that offered the first year free, but it's a...

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A Review of US Dollar Credit Cards

Since our wedding is in the United States, we have been having to pay for a lot of things in US Dollars, or with my Chase Marriott Visa credit card (which does not charge the additional 2.5% of foreign currency exchange fee on top of the purchase), and it got me...

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Review: Tangerine’s New Money-Back Credit Card

If you’re fan of online banking then you’ve no doubt thought about making the job to an entirely online bank such as Tangerine (the former ING).  For more on the pros and cons of the bank itself, check out our review here.  While Tangerine has been a market leader in...

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Chase Marriott Rewards Premier Visa Review

With only the MBNA World Points World MasterCard in my wallet, I felt a little empty.  Since I cancelled the TD Aeroplan last year to avoid paying an annual fee, I needed another Visa.  Therefore after some deliberation, I decided on the Chase Marriott Rewards Premier...

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What Affects Your Credit Score?

With credit card travel hacking, there's often talk about not applying for too many cards in that it will affect your credit score.  If your credit score takes too much of a hit, lenders will have more difficulty lending you money (such as to buy a home, or obtain a...

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What is Credit Card Churning?

For the first time in a while, I have only one credit card in my wallet, and admittedly it feels kind of weird.  I usually have more than one credit card (as evidenced by my credit card travel hacking spree), you know to get cheap airfare.  It will probably be only a...

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How to Get Your First Year Free with RBC Visa Infinite Avion

I initially had my first experience with the Royal Bank Visa Infinite Avion a few years back (2011 to 2012 to be precise).  You can read about my RBC Infinite Avion Visa review here.  I was a big fan.  It was easy to use, there were no black out dates, I was able to...

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TD Aeroplan Visa Infinite Review

I have had a bit of a difficult time getting this card, so first off, it is great that I have this card now and I am able to give a review on it.  Let's just say my relationship with TD Aeroplan Visa Infinite did not start off with the honeymoon phase... we have had a...

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Credit Card Travel Hacking Spree

I have been on a credit card travel hacking spree for the past year... partially thanks to the book that Steve Zussino wrote, Travel Hacking for Canadians.  It stimulated my appetite for travel hacking.  You can check out my book review here. Over the past year, I...

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American Express Gold AeroplanPlus Card Review

As most of you know, I have been a fan of collecting Aeroplan points for my ultimate goal of travel hacking with Canadian credit cards.  So far I am just under 100,000 Aeroplan points but still need to wait for these points to be credited to my account.  So when I...

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