园友十二少：5大银行信用卡比较

致谢：园友十二少，总结的五大银行的信用卡特点。原文请点击这里。
提示：因为涉及原创作者版权，未经作者允许，请勿转载。。 www.iask.ca

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。 家园网多伦多，toronto.canadameet.com

信用卡按针对客户群分类，可分如下几类

加拿大家园，www.canadameet.com

一、经常出差、旅游想用卡积累里程的用户

ScotiaGold Passport

本文来自 www.canadameet.com

$110 annual fee/$30 additional card fee 本文来自 www.canadameet.com

$1=1 point www.iask.ca

Interest rate 19.5% www.iask.ca

5% cash back on travel purchase

Reward options: merchandise, investment, travel purchase 本文来自 www.canadameet.com

*Scotia还有一种no-fee ScotiaGold VISA可以选择 加拿大家园，www.canadameet.com

RBC VISA Gold preferred

$110 annual fee/$40 additional card fee

内容来自 canadameet.com

$1=1 point

家园网多伦多，toronto.canadameet.com

no cash back on travel purchase 家园网多伦多，toronto.canadameet.com

Reward options: merchandise, investment, travel purchase 家园网多伦多，toronto.canadameet.com

insurance coverage 本文来自 www.canadameet.com

TD First Class Travel Infinite www.iask.ca

$120 annual fee/$50 additional card fee

www.iask.ca

$1=3 points purchases

$1=9 points on travel purchases with TD

内容来自 canadameet.com

no cash back on travel purchase

Reward options: travel purchases

本文来自 www.canadameet.com

redemption in 10,000 points increments

家园论坛，www.canadameet.com/bbs/

Limited insurance coverage

CIBC AeroGold 家园论坛，www.canadameet.com/bbs/

$120 annual fee/$50 additional card fee

家园论坛，www.canadameet.com/bbs/

$1=1 mile

本文来自 www.canadameet.com

$1=1.5mile on gas, drug stores and grocery 本文来自 www.canadameet.com

no cash back on travel purchase 内容来自 canadameet.com

15,000 points for short haul flights

家园论坛，www.canadameet.com/bbs/

Reward options: merchandise, investment, travel purchases 家园论坛，www.canadameet.com/bbs/

BMO Mosaik Air Mile MC

$90 annual fee/$15 additional card fee www.iask.ca

$15=1 Air Mile

Cash back available for a fee

Travel Restrictions: Round trip only, Saturday stay over, Advance booking

www.iask.ca

Limited insurance coverage 本文来自 www.canadameet.com

二、Cash back即返现金的信用卡

Scotia Momentum VISA 加拿大家园，www.canadameet.com

$39 annual fee/$15 additional card fee 家园论坛，www.canadameet.com/bbs/

2% Cash back on gas, groceries, drug stores and recurring payments; 1% cash back on other purchases

Interest rate 19.99% 本文来自 www.canadameet.com

No min spend/Maximum 25,000 at 2% 本文来自 www.canadameet.com

Purchase Security 加拿大家园，www.canadameet.com

Extended Warranty Protection 内容来自 canadameet.com

*Scotia还有一种no-fee Scotia Moneyback VISA可以选择

家园论坛，www.canadameet.com/bbs/

RBC 加拿大家园，www.canadameet.com

RBC没有cash back card

TD Gold Elite VISA 家园论坛，www.canadameet.com/bbs/

$99 annual fee/$39 additional card fee 家园网多伦多，toronto.canadameet.com

1% cash back on purchases

内容来自 canadameet.com

No min spend 内容来自 canadameet.com

Purchase Security 本文来自 www.canadameet.com

Extended Warranty Protection

Lost luggage and Rental car 家园网多伦多，toronto.canadameet.com

Budget Rent a car Preferred rate

内容来自 canadameet.com

CIBC Platinum Dividend

本文来自 www.canadameet.com

$79 annual fee/$30 additional card fee

www.iask.ca

Up to 2% cash back on purchases 家园网多伦多，toronto.canadameet.com

Must spend $35,000 to earn 2%

Maximum $50,000 spend

加拿大家园，www.canadameet.com

Purchase Security

Extended Warranty Protection 家园论坛，www.canadameet.com/bbs/

Travel Medical Ins/Rental car discount

BMO Mosaik Premium 内容来自 canadameet.com

$49 annual fee/No additional card fee www.iask.ca

3% cash back at Shell gas stations www.iask.ca

1% cash back on purchases elsewhere www.iask.ca

3% cash back capped at 2,500/mth

Purchase Security

Extended Warranty Protection www.iask.ca

Lost luggage and Rental car 加拿大家园，www.canadameet.com

*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 www.iask.ca

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

本文来自 www.canadameet.com

$29 annual fee/No supplementary card fee 家园网多伦多，toronto.canadameet.com

Interest rate 11.49% 家园论坛，www.canadameet.com/bbs/

Up to 20% discount at AVIS Rental car

*Scotia还有一种no-fee Scotia Value VISA可以选择

www.iask.ca

RBC Classic Low Rate VISA

$20 annual fee/No additional card fee

家园网多伦多，toronto.canadameet.com

Interest rate 11.9% 本文来自 www.canadameet.com

Purchase Security

Extended Warranty Protection www.iask.ca

TD Emerald VISA 本文来自 www.canadameet.com

$25 annual fee/No additional card fee 家园网多伦多，toronto.canadameet.com

TD prime+1.9% to 6.9% 家园网多伦多，toronto.canadameet.com

Budget Rent a car Preferred rate www.iask.ca

CIBC Select VISA 家园论坛，www.canadameet.com/bbs/

$29 annual fee/No additional card fee(max 3) 本文来自 www.canadameet.com

Interest rate 11.5%

本文来自 www.canadameet.com

100,000 Common Carrier Accident Insurance

20% discount at AVIS Rental car

家园网多伦多，toronto.canadameet.com

BMO Low Rate Plan

www.iask.ca

$35 annual fee/No additional card fee 加拿大家园，www.canadameet.com

Interest rate 11.9% 本文来自 www.canadameet.com

Air miles:$40=1 Air mile or

1.5% cash back Shell Gas 0.5% all others

家园论坛，www.canadameet.com/bbs/

Purchase Security 内容来自 canadameet.com

Extended Warranty Protection

家园网多伦多，toronto.canadameet.com

四、适合学生的信用卡

本文来自 www.canadameet.com

Scotia L’earn VISA

家园论坛，www.canadameet.com/bbs/

No annual fee

Interest rate 18.59% 本文来自 www.canadameet.com

Cash back 1%: first $500 0.25%, next $500 0.5%, then 1% 加拿大家园，www.canadameet.com

Up to 20% discount at AVIS Rental car www.iask.ca

RBC Classic II Student VISA

$15 annual fee 本文来自 www.canadameet.com

Interest rate 19.5% 本文来自 www.canadameet.com

Purchase Security

内容来自 canadameet.com

Rewards program 本文来自 www.canadameet.com

$1=1point 本文来自 www.canadameet.com

Thrifty Rental car discount 本文来自 www.canadameet.com

Extended Warranty Protection

TD Rebate Rewards VISA

No annual fee

www.iask.ca

Interest rate 19.75%

Cash back: first $3000 0.5%, over $3000 1% 家园论坛，www.canadameet.com/bbs/

Budget Rent a car Preferred rate

CIBC Classic Student VISA

No annual fee

Interest rate 18.5% www.iask.ca

Purchase Security

Extended Warranty Protection

加拿大家园，www.canadameet.com

100,000 Common Carrier Accident Insurance www.iask.ca

20% discount at AVIS Rental car

www.iask.ca

BMO Student Mosaik MC 家园论坛，www.canadameet.com/bbs/

No annual fee

本文来自 www.canadameet.com

Interest rate 19.5%

加拿大家园，www.canadameet.com

$40 Purchases=1 reward mile or 内容来自 canadameet.com

BMO Student Cash Back MC: 0.5% cash back, 1.5% cash back at Shell Gas Stations

五、其它 家园论坛，www.canadameet.com/bbs/

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。

www.iask.ca