CIBC dividend, no annual fee. UP to 1% money back at year end. Royal Bank Classic II, $10/yr, 1% money back in a form of certificate. I'm holding Royal Bank Classic II, got 110 dollars back.
-jeffrey815(Smartiecat);
2001-11-27(#277204@0)
Do you think the points make sense?
-life(life);
2001-11-27(#277207@0)
I mean the rewarded points for the money spent.
-life(life);
2001-11-27(#277214@0)
Definately, if you pay your bill on time, you won't be charged interest. And you are getting 1% back. I spent 11000 on my card on everything for the past 2 years. and get 110 back.
-jeffrey815(Smartiecat);
2001-11-27(#277217@0)
Thank you. But I know some cards provide miles back.Cash and miles ,which is better?
-life(life);
2001-11-27(#277225@0)
I prefer cash....
-jeffrey815(Smartiecat);
2001-11-27(#277234@0)
You can apply for a few card. like this reward card for your normal purchase, and a gold card and use it to rent a car. I used to have 5 credit cards, now cut down to 3.
-jeffrey815(Smartiecat);
2001-11-27(#277219@0)
Don't apply for American Express!! Some vendors in Canada still doesn't accept it. And almsot no vendor in China accept American Express. Mastercard is okay.
-jeffrey815(Smartiecat);
2001-11-27(#277224@0)
I do suggest you apply your card in a big bank, so you can use online banking to view the history and balance of your card. Place like Canadian Tire only has telephone banking or so, no online banking.
-jeffrey815(Smartiecat);
2001-11-27(#277226@0)