精华 ‘优质’信用卡大汇萃

[师长]

(正在补充中)

1) Car related (This is the top deal for those who may buy vehicle in next 5 years)

CITIBANK DRIVER EDGE PRIMIUM MATER CARD
http://www.citibank.com/canada/cards/english/005h.htm
2% rebate accumalated for 5 years to pay for ANY new/used/model vehicle purchase/OR LEASE.
NO ANNUAL FEE

2) Aeroplan/Airmiles Related (Good for frequent traveller)

CIBC AeroGold
http://www.cibc.com/ca/visa/aerogold-visa-card.html
Annual Fee: $120

3) Cash back (For those who is cash-hunter)

3.1) CIBC DIVIDEND PRIMIUM (For big purchaser)
http://www.cibc.com/ca/visa/dividend-platinum-card.html
ANNUAL FEE $79: Earn up to 2% cash back

3.2) CIBC DIVIDEND (For normal purchaser)
http://www.cibc.com/ca/visa/dividend-card.html
NO ANNUAL FEE: Earn up to 1% cash back

 

[yh_abc]

this is a good topic, so here is my experience
1. TD GM Visa
No annual fee, 3% accumulated for 7 years toward purchase of GM cars (new or used)

2. American Express AirMiles credit card
No annual fee, $20/mile point on monthly balance

3. PC Financial MasterCard
No annual fee, $1 for 10 PC points accumulated to redeem for anything in Lowlaws

4. Royal Esso Visa
No annual fee, accumulating points for free gas

 

[小傻]

我最多的时候手里有十五张信用卡，加上bay和sears 的卡一共是17张。。。影响自己的credit。。

现在都让我给cancel的差不多了。

我现在用的最多的就是师长说的3.2) CIBC DIVIDEND (For normal purchaser)。
当然这个卡比较流氓，cash back 是按tier给的

Here's how your Dividend Dollars are calculated:
Tier one ? 0.25% for amounts up to $1,500.
Tier two ? 0.50% for amounts $1,500.01 to $3,000.
Tier three ? 1% for amounts over $3,000.

 

[小傻]

最初由 师长 发布
(正在补充中)

1) Car related (This is the top deal for those who may buy vehicle in next 5 years)

CITIBANK DRIVER EDGE PRIMIUM
http://www.citibank.com/canada/cards/english/005h.htm
2% rebate accumalated for 5 years to pay for ANY new/used/model vehicle purchase/OR LEASE.
NO ANNUAL FEE

这个卡使用起来是不是会有问题呢？

我在 dow honda 买车的时候(没用finance),本以为可用信用卡pay, 但dealer 就拒收信用卡.

 

[师长]

Re: Re: ‘优质’信用卡大汇萃

最初由 小傻 发布


这个卡使用起来是不是会有问题呢？

我在 dow honda 买车的时候(没用finance),本以为可用信用卡pay, 但dealer 就拒收信用卡.

这是两个不同的问题.你平常买车的时候用信用卡给DEALER付,他们一般只让你用1000-2000可以用信用卡,其余用DEBIT OR FINANCE.因为他们要给信用卡公司付2%-3%的手续费.

这些汽车信用卡是不管你怎么消费,都给你CREDIT存着.我推荐的
CITI BANK DRIVER EDGE PRIMIUM MASTER CARD 有2%的回扣,在5年内CREDIT有效.你在5年内,不管买/或租什么牌子的新车或旧车.拿发票,他给你退钱.一般人在5年内换车的机会是很大的,即使有些点过了5年,你可以TRANSFER给别的朋友.
它还有RENTAL BENIFIT.

我一个老移民朋友,刚用这个办法,买车后,又从信用卡公司要回400.我也是刚知道,要是以前有好心人帖出来,我就早用这卡了.我以前在SHOPPING的时候,经常看见本地人用CITI BANK的卡,我当时还不知道怎么回事.

 

[师长]

最初由 yh_abc 发布
this is a good topic, so here is my experience
1. TD GM Visa
No annual fee, 3% accumulated for 7 years toward purchase of GM cars (new or used)

看它的介绍,好象只写了新车.

有人用这卡消费记点后,买GM 新车后拿回3%报REBATE 吗?

=================================================================
From restaurants to theatre tickets, roller blades to car washes... when you make purchases on The GM Card, you receive 3% in GM Card Earnings.

Take your choice from over 200 GM models when you redeem your GM Card Earnings, including Chevrolet, Pontiac, Oldsmobile, GMC, Cadillac, Buick, Saab, Saturn and Isuzu.

You can apply a maximum Redemption Allowance of between $1,500 and $3,500 in GM Card Earnings toward the Total Purchase Price or lease down payment on any eligible, new GM vehicle depending on the specific vehicle you choose. And with no annual Earnings maximum, you can build your GM Card Earnings fast and get into a GM vehicle sooner.
==================================================================

 

[民工]

CitiBank Credit allows holder's picture printed on, it's a nice feature if you are concerned of security.

 

[CFCFAN]

Re: Re: Re: ‘优质’信用卡大汇萃

最初由 师长 发布


这是两个不同的问题.你平常买车的时候用信用卡给DEALER付,他们一般只让你用1000-2000可以用信用卡,其余用DEBIT OR FINANCE.因为他们要给信用卡公司付2%-3%的手续费.

这些汽车信用卡是不管你怎么消费,都给你CREDIT存着.我推荐的
CITI BANK DRIVER EDGE PRIMIUM MASTER CARD 有2%的回扣,在5年内CREDIT有效.你在5年内,不管买/或租什么牌子的新车或旧车.拿发票,他给你退钱.一般人在5年内换车的机会是很大的,即使有些点过了5年,你可以TRANSFER给别的朋友.
它还有RENTAL BENIFIT.

我一个老移民朋友,刚用这个办法,买车后,又从信用卡公司要回400.我也是刚知道,要是以前有好心人帖出来,我就早用这卡了.我以前在SHOPPING的时候,经常看见本地人用CITI BANK的卡,我当时还不知道怎么回事.

好像不是这个意思，你当时的消费，每用100块给你2块的Credit.当你买车/lease车的时候，在回馈给你。也就是如果你平时没有花购相当的钱，他们是不会给你那么多钱的

 

[师长]

Re: Re: Re: Re: ‘优质’信用卡大汇萃

最初由 sean 发布


好像不是这个意思，你当时的消费，每用100块给你2块的Credit.当你买车/lease车的时候，在回馈给你。也就是如果你平时没有花购相当的钱，他们是不会给你那么多钱的

我说的就是这个意思,我有一点没讲清楚,2%准确地说是CREDIT,说回扣给人印象好象打98折.谢谢补充.

 

[人在天涯]

最初由 师长 发布


看它的介绍,好象只写了新车.

有人用这卡消费记点后,买GM 新车后拿回3%报REBATE 吗?

=================================================================
======================================================

对,这个是只给新车

 

[feng]

最初由 小傻 发布
我最多的时候手里有十五张信用卡，加上bay和sears 的卡一共是17张。。。影响自己的credit。。

现在都让我给cancel的差不多了。

我现在用的最多的就是师长说的3.2) CIBC DIVIDEND (For normal purchaser)。
当然这个卡比较流氓，cash back 是按tier给的

Here's how your Dividend Dollars are calculated:
Tier one ? 0.25% for amounts up to $1,500.
Tier two ? 0.50% for amounts $1,500.01 to $3,000.
Tier three ? 1% for amounts over $3,000.

卡多why影响自己的credit?

 

[吾言]

最初由 feng 发布


卡多why影响自己的credit?

It won't affect your credit rating. However, it will project the impression that you are looking for every opportunity borrowing money. That makes lenders afraid when you really need a big amount of money such as buying a home.

 

[feng]

最初由 safari 发布


It won't affect your credit rating. However, it will project the impression that you are looking for every opportunity borrowing money. That makes lenders afraid when you really need a big amount of money such as buying a home.

ic...I only have 3 card now...heihei...10000$ enough for me la:hippie:

 

[笑傲江湖]

RBC Avion is also a very good card. The annual fee is $120.

 

[仔仔]

Re: Re: ‘优质’信用卡大汇萃

最初由 xyz139 发布
RBC Avion is also a very good card. The annual fee is $120.