Best VISA Card to get in Ontario?

[KingstonU]

Sorry, wasn't sure where to post this. Please move to Off Topic, thanks.

Currently with RBC, not very happy with them and get rewards points that are useless, after 4 years with it I have accumulated 23,000 points = $23 = nothing considering how much I used it.

I would prefer something that is like 1% cash back on purchases but open to any card. I would need to be able to do online banking, not sure if they all do that. I spend less than $10,000 /year on my visa (maybe $6,000) on car insurance, gas, cell phone, internet, groceries, beer & misc...

Know of the best offers in Ontario? Any difference in getting a VISA versus a Master Card? Which banks do you prefer / recommend staying away from? Thanks!

 

[msi1337]

you posted this in the wrong forum. you would be better off in off topic

 

[allisolm]

Moved from Hot Deals.

Sr Moderator allisolm

 

[Scouzer]

Try Redflagdeals.. you'll get a ton more useful info there.

I use the Citi Driver's Edge, 2% cash back towards a car.. but I'm grandfathered: New customers pay $59/yr fee

 

[yllus]

Best straight-up cash back card: MBNA Smart Cash MasterCard.

Best rewards points card: Starwood Preferred Guest® MasterCard®

 

[iGas]

CIBC have 1% & 2% cash back Dividend Cards, no annual fee.

RBC Rewards Visa Gold, no annual fee.
Rewards Visa Classic, no annual fee.

TD Gold Select Visa Card, no annual fee.
TD Gold Elite Visa Card 1% cash back.
TD The GM Card 3% or a maximum $3500 toward GM automobile purchase.

 

[WobbleWobble]

Canadian Credit Card Comparison

 

[KingstonU]

Originally posted by: WobbleWobble
Canadian Credit Card Comparison

Wow great find! :beer:

 

[imported_Imp]

Originally posted by: iGas

CIBC have 1% & 2% cash back Dividend Cards, no annual fee.

RBC Rewards Visa Gold, no annual fee.
Rewards Visa Classic, no annual fee.

TD Gold Select Visa Card, no annual fee.
TD Gold Elite Visa Card 1% cash back.
TD The GM Card 3% or a maximum $3500 toward GM automobile purchase.

Pretty sure the CIBC Dividend 2% is a premium card. The 1% is a bit of a rip though. The first $800, you get 0.25% back, then from then to $2500 (?) it's 0.50%, then after that it's finally a grand 1%.

The Shoppers Optimum was the best out there until they discontinued it last year.

Mastercard from PC Financial is one of the best cause you get about 1% by using the points for groceries. Some places don't accept Mastercard, but some don't accept VISA (Timmie's, wtf?), so it kind of balances out.