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Credit Card Rewards Program Canada

Card holders that fit in to this category are considered convenience users as they used the card credit and pay off their bills or credit balances in a monthly basis. They are making use of the credit card for their transaction on top of collecting rewards points. The gathered points can then be redeemed with different kinds of rewards that a card company offers the card user. A common rewards program that is usually given by the card issuers are travel rewards which permits the card holder to collect Miles points or Aero point depending to which the card company is linked with rewards credit card Canada.

Additionally, cash backs programs are also obtainable as a rewards program in which definite percentage of the purchases made or the total amount of credit used is returned to the card holder. These cash backs are typically given through a cheque or adding it up to the card holders account. Other rewards program aside from what is available is used by other card companies or banks. The entire possible rewards program will be present as you go along with the article.

Good Credit - Doesn't Carry a Balance

Travel Credit Cards – AirMiles and Aeroplan Points

The Travel rewards credit cards are the type of cards that give AirMiles or Aeroplan points to the card holder for every purchase made using their credit card. They can use these accumulated points to book flight tickets as long as their points have reached the minimum required points equivalent for a particular reward. Other rewards that can be redeemed with the points are hotel reservation, car rentals, financial insurances and many more. It would be best if the card user will check out the card companies’ website for the list of allowable rewards.

CIBC Aerogold® Visa™ Card

Travel rewards are the most special feature of this card. It gives a lot of benefits for people who loves to travel for leisure or for business purposes. It also offers points that can be redeemed with equivalent rewards based on your points earned. The exclusive benefits are listed below. Best Visa Credit Card Canada.

List of CIBC Aerogold Visa™ Card benefits
• 15, 000 bonus Aeroplan® Miles on the first purchase of the card which is equivalent to one economy class short-haul flight at the ClassicFlight® reward level.
• Earn 1 Aeroplan Mile every time a dollar is spent by the card user.
• 1.5 Aeroplan Miles awarded for purchasing gas, groceries and items from the drugstores.
• Aeroplan participating partners also give additional points when you use the card at their stores or shops.
• Air Canada and Air Canada Jazz including Executive Class/Executive First 1 are given free access for the card users for the available seat only.
• CIBC guarantees the client that points earned will not be lost even being inactive for 12 months.

Capital One Miles Platinum Plus MasterCard™

This credit card is unique in the sense that this allows you to collect many points. These Miles Points would then be redeemed with travel purchases which can be flight tickets. Best Mastercard Credit Cards Canada. This will give the client less expenses as they don’t need to spend cash but instead utilize the ticket they got from the rewards that the Miles Platinum Plus MasterCard offers. In addition, the rewards also would cater the taxes and airport fee charges.

Earning points with Miles Platinum Plus MasterCard by:
• Every dollar spent during purchases with the card is equivalent to 2 reward miles points.
• When receiving the card, the first time you use the card would instantly entitle you 25, 000 bonus reward miles point that can redeem rewards.
• Doing balance transfers and cash advance doesn’t have an equivalent reward point.

Furthermore, the Miles Platinum Plus MasterCard is completely different from other reward credit cards like Aeroplan or Airmiles because these companies don’t cover the air fare taxes as well as the terminal fees. Miles Platinum Plus MasterCard covers everything which means that it lessens the burden and expense of the card holders. Hence, it provides comfort and a hassle-free travel.

Aspire Gold MasterCard®

This credit card would offer a secure online application which gives the card applicant assured security. This card offers good benefits that are of advantage of the card user. Check out more of this card's benefits.

Aspire Gold MasterCard® benefits:
• Earn reward miles every time the card is used.
• No Annual Fee for this credit card.
• Earn 1 reward mile for every $1 spent on everything you buy or purchase.
• 5,000 bonus reward miles with your first purchase using the card.
• 1,000 anniversary bonus reward miles every year given to the card holder.
• Redeem for travel, cash, merchandise or gift cards using the points accumulated or collected.

BMO Gold AIR MILES MasterCard®

This credit card gives the card user point bonuses. In addition, the card provides discount on flights booked with Air Miles and double up points when doing transaction with Shell Stations and National Car Rental & Alamo Rent A Car. This Gold Credit Card Canada card offers everything that the card company can provide for the card holder to enjoy.

BMO Gold AIR MILES MasterCard additional benefits:
• 150 bonus reward miles instantly given with your first card purchase.
• Exclusive 25% discount on the number of reward miles required for all AIR MILES flights worldwide.
• BMO Travel Protection including Collision Damage Waiver coverage for car rentals. Save money for about $29/yr.
• 1 AIR MILES reward mile for every $15 in card purchases.
• Double reward miles at Shell locations in Canada once doing a purchase or avail any services.
• Double reward miles at National Car Rental & Alamo Rent A Car locations worldwide.
• 19.5% interest rate for this credit card.
• $99 annual fee is charged by the card company.

MBNA TravelRewards Platinum MasterCard

With MBNA TravelRewards credit card, everything you want and nothing you don’t. This is how this card works. It allows its client to enjoy everything they offer. In their rewards program, points are earned in every dollar spent in net retail prices. This is just one of the features of MBNA TravelRewards Platinum MasterCard.

Try to check and evaluate the number of feature the card consist of:
• When purchasing, the amount of dollar you spent will also be the number of point you get. In other words, $1 is equals to I TravelRewards point.
• When having your first qualifying transaction, 5,000 TravelRewards point will be instantly given on your account.
• Anniversary date is always celebrated yearly and its client gets to enjoy a gift of 2,500 bonus points.
• Choose from the 75 airlines to which you prefer to use your travel rewards as exchange of your TravelRewards points. No blackouts.
• Enchant yourself with the Platinum card benefits that the company offers.
• Competitive annual fee of $89 charged but could be waived for being a good credit payer on your balances.
• Credit limit reaches up to $100,000 as an allowable credit to be spent and used by the card users.
• Fraud protection is present at all times making less hassles and burden on the customers.
• 24/7 customer service offered through online by logging in to your secure account.
• Stolen, lost or damage cards are quickly replaced in just a 48 hour waiting period. Additional cards are allowed and offered by the company for the convenience of the clients.
• Immediate cash access of $430,000 ABMs worldwide for this card and is widely recognized and accepted on more than millions of location around the globe.

CIBC Aero Classic Visa Card

Earning valuable Aeroplan Miles on all card spending made everyday. In addition, card holder will receive a Welcome Bonus of 2,500 Aeroplan Miles when the card is used for the first time. Other card benefits are listed below for you to check.

CIBC Aero Classic Visa Card detail benefits:
• Receive 1 Aeroplan Mile for every two dollars you spend on the card in any transactions.
• Receive up to double Aeroplan Miles when you use your CIBC Aero Classic Visa Card. It can be used to dine, golf, or stay at any participating CIBC Bonus Rewards establishment.
• A guarantee from CIBC that you will not lose any of your Aeroplan Miles due to 12 months of account inactivity.
• Enjoy unsurpassed acceptance of the card across Canada, and in over 24 million locations worldwide.

Capital One® No Hassle Miles Rewards

This credit card is for card holders who are frequent flyers but don’t want to spend much. They rely on the rewards they get coming from the points they’ve earned.

Here’s what you get for having this Capital One® No Hassle Miles Rewards credit card:
• 0% introductory APR on purchase until May of next year – 2011.
• No annual fee for this credit card.
• 1.25 miles points awarded for every dollar spent on buying merchandises.
• Earning points doesn’t have limits and expiration.
• Rewards offered to client are travel, merchandise, gift cards and other items.
• Mo blackout dates and no seat restriction policy given by the card company.
• Best Visa Credit Card Canada
• Fly to any destination with the airline of choice.
• No foreign transaction charges.

Aspire™ World MasterCard®

This credit card would offer a secure online application just the same with Aspire Gold MasterCard. it also gives the card applicant assured security. This card offers good benefits and features that are of advantage of the card user which is convenient to use. This card Check out more of this card's benefits.

Here are some features of the credit card:
• Earn more reward miles - on everything you buy using the card.
• Earn 2 reward mile for every $1 spent - on everything you purchase with the card.
• 35,000 bonus reward miles with your first purchase of the credit card.
• 10,000 anniversary bonus reward miles every year.
• Redeem for travel, cash, merchandise, gift cards and more.
• World MasterCard benefits including Travel Emergency Medical Insurance and Trip Cancellation Insurance.

Cash Back Credit Cards – Rewards Points Cards

Cash Back credit cards are those kinds of cards that give back a certain percentage of cash or money to the card holders. The source of the cash back comes from the purchases made with the credit card. Usually these cash backs range from 1% to 3% depending on the bank or card company. These are returned back on the account of the client annually. Some of the card issuer returns the cash back during the month of December or January. Other offers a their cash back returns any time as long as the card holder have accumulated the specified amount of cash back in their accounts.

Spend More Than $2500 / Month - Rewards Cards

Capital One - Cash Back Gold MasterCard®

Getting this credit card will let the cardholder earn cash back rewards instantly on every purchase made using the credit card. The more the credit card is used on transactions, the more earnings will be accumulated in which it will be subject for the source of how much cash back or rebate is returned. The client can ask for additional cards without any fee and also add an authorized user. What is great about this card is that you won’t feel and realize that your rewards are doubling up in points over a short period of time as long as the credit card is constantly used.

The Cash Back Gold card allows you to gain points through following ways:
• 0.50% cash back up to $3,000 in spending using the credit card.
• Company gives a 1% cash back on all purchases greater than $3,000.
• Price Protection Program will help clients find a lower price on your purchase within 60 days, Capital One will refund you the difference up to $100.
• There is no limit on the number of points earned
• Card holder can redeem rewards anytime as long as personal account have a deposit amount of above $15.
• Purchase Theft Protection is giving a 120 days insurance in case of theft or damage to purchases made.
• No maximum rebate policy is guaranteed.
• Extended Warranty Program will double warranty up to 2 yrs from the past offer of 1 yr only.
• Car Rental Insurance and Baggage Delay Insurance is also provided as part of the benefits.

MBNA PremierRewards® Platinum Plus® MasterCard®

A rewards credit card that pays you back with what you have spent for. It allows its customer to make their dollar spent to go as far as possible. This means that this company allows their card holders to enjoy the rewards they have prepared especially to those clients who spent much using their card and accumulate numerous points. It could be then exchange with surprisingly great items or merchandise. It can even become certificate for groceries, gas or for shopping.Check on the features of this rewards credit card and compare to which features and offers you are fascinated on.

Here are its features:
• As commonly offered by rewards credit card. This card has No Annual Fee as well.
• 1% back on all net retail purchases when buying merchandise or any transactions that you have used your rewards card.
• There is a yearly automatic rewards crediting in your account once you have availed with their promos especially those that are offered in the company’s website.
• Regarding with points, there is an enticing policy of No spending limits or earning limits. Customers can earn points as much as they can and redeem rewards equivalent to their accumulated points.
• There is Exclusive platinum benefits and peace of mind for the card holder that provides less risks and hassle.
• Booming credit limit of up to 100,000 is offered by the card issuer giving the customer a wider range to spend on their credits.
• Customer service is always present 24/7 for any inquiries or problems that these card holders may encounter when using their credit cards.

Capital One - Cash Back Plus Platinum MasterCard® The more you spend, the more you'll save.

The benefit with the Cash Back card is that you can redeem your points by getting a cheque or a statement credit after you have more than $15 collected in points.

The Cash Back Plus Platinum card lets you collect points as follows:
• For purchases up to $10,000 you get 1% cash back annually
• For purchases between $10,000.01 and $20,000 you'll collect 1.5% cash back annually
• For purchases over $20,000 you'll collect 2% cash back annually
• There is no ceiling limit on points earned
• You don't collect cash back points on balance transfers or cash advances.

This card is best for those who want a cash back reward and not a travel reward or other gifts rewards.

This card has an annual fee of $99 so it's recommended that you meet the minimum amount of spending (usually $2500 per month) to make up the cost of the annual fee with points collected.

The Cash Back Platinum Plus card has an interest rate of 19.8% so it's best that you pay off your balance every month and not pay interest on this card.

MBNA WorldPoints Rewards MasterCard

This best mbna credit cards canada has been the most rewarding MasterCard as it gives you instant 1.000 world points as an introductory reward. With that, you can avail right away of its offered rewards even without using or earning points yet with your card. You have just simply got a card and receive a reward in return.This rewards credit card has a lot of features to get to know too.

Here is the list of its card features:
• You easily Earn 1 world point for every dollar you have spent.
• With your first qualifying transaction, you can instantly earn 1,000 bonus WorldPoints.
• Once you reach a certain number of point, you can redeem WorldPoints rewards either of your choice whether spend it for travel or for merchandise or both at the same time.
• Redemption level is at 1,000 WorldPoints which mean that the moment you got the card with the instant 1,000 WorldPoints, you can avail a certain reward equivalent of the points you have
• Annual fee is cheap compared to other rewards cards which are only at $29.

CIBC Dividend Card®

CIBC Dividend card allows their card users to earn up to 1% cash back on the net purchases made with the card. The amount of cash back earned is going to be accumulated and will be added to the best cash back credit card Canada account. Best Cash Back Credit Cards Canada. This will make the card holder get something out of the spending they have made.

Here are the card details of the credit card:
• The card entitles the card holder with a Common Carrier Accident Insurance worth $100, 000.
• The card also provides insurance for the security and extended protection on all purchases you have made with the credit card.
• AVIS car rental discounts of up to 20% is given once you have the card in hand but can be availed only on participating locations.
• Cheques can be made into personalized with CIBC Convenience cheques without extra charges.

TD Rebate Rewards Visa Card

The Rebate Rewards Visa Card is a credit card that doesn’t charge an annual fee. It is the cash back credit card that gives you cash back on your daily purchases with your annual rebate. Once you use your no-fee Rebate Rewards Visa Card to have purchases, you'll earn a cash rebate of a certain percentage on the total purchases charged to your card. The more you use your Rebate Rewards Visa Card in your transaction, the greater the money you get back. Watch out for the interest of this card. Pay your bills on or before its due date.

Here are other benefits of the card that is offered:
• 0.5% cash back is given on the first $3000 worth of net annual purchases made with the card.
• Additional 1% cash bank on the net annual purchase above $3000 to a maximum of $25, 000 on the credit card.
• Cash back are credited every January directly into the client’s account and statement account would show your total cash back earned.
• Pay on the Visa payWave technology where you can secure and have easy contactless payment system that's faster and more convenient than paying with cash.
• The card issuer uses the Chip Enabled Technology which give each client identical pin for security of their accounts.

For example, if net annual purchases on your cash back credit card total $15,000, you will earn cash reward of $135 ($15 for the first $3,000 in purchases and $120 for the additional $12,000.) You have just earned $135 from using your Card for everyday purchases which could be used for extra other purchases. Think of the amount of money you can save when you use your credit card everyday in every transaction you are dealing with.

BMO Premium CashBack MasterCard®

The best cash back credit cards Canada company gives the card user cash back in all the card purchases made. It includes cash back coming from participating companies like Shell, as well as National Car Rental and Alamo Rent a Car. This gives much savings even though the card has an annual fee of $49. Something to watch out of the credit card is the high interest fee of 19.5% which is not a problem only if the card user will pay the bill on time or before due date is over.

BMO Premium Cashback card details:
• For every purchase made with the card BMO would give 1% cash back.
• In Canada, any Shell Stations would gives out cash back of 3%.
• With National Car Rental and Alamo Rent a Car, 3% cash back is returned when you purchase or avail their services.
• BMO gives Roadside Assistance to the card holders. Here are some of the following services: battery boost, fuel delivery, lockout service and towing.

RBC® Cash Back Visa Card

This card would give you the convenience of not using a card and instead use the RBC Cash Back Visa. They give 1% cash back credit starting from the groceries you have bought, the gas you have filled your tank and a lot more. In every purchase you made with the card, there is corresponding cash back. Using the card and looking at your cash back balance every month makes you overwhelmed on how it adds up.

What do the card offers you with its benefits:
• 5% cash back is earned on groceries purchased. In addition, 5% cash back credit when buying groceries at the participating stores using the credit card until December 31, 2010.
• Earn 1% cash back on all other qualifying transactions made with the card when you make for pre-authorized payments on the Cash Back account.
• When you use your Custom Switch, you are given up to $25 cash back bonus.
• In paying for small purchases, the company gives the Visa pay Wave for client comfort, safety and security.
• No extra cost when you are asking for additional cards for the co-applicants and authorized users.
• You can access cash worldwide of up to $500 or depending on your credit limit.
• Minimum credit limit is high at $1000 compared to other cards.
• The card is widely accepted in over 600, 000 locations in Canada and over 23 million all over the world.
• Travellers cheque is commission-free.

Spend Less Than $2500 / Month - Rewards Cards

Capital One - Cash Back Guaranteed MasterCard® for Gas & Groceries

This best cash back credit card Canada is usually used by card holders for their purchases on gas and groceries because they are getting more on the cash back. It gives them much savings over their expenses. So, collecting cash back points every month becomes an advantage on their part in using the card. But card users must be responsible in the payment of their balance so that they will not be charged of interest fee. More cash backs are provided on the card details below.

This card has more benefits to offer:
• Credits used on gas purchases give you receive 2% cash back.
• In buying groceries, 2% cash back is given in return to your account.
• Every other purchase made with the card, the client will receive 1% cash back.

Scotia Momentum Visa™ Card

This credit card allows you to collect a generous cash back percentage for the retail purchases you have made with the card. If you are a big spender, then it won’t be a problem because there is no certain limit in the amount of point you can accumulate or collect from all the card transactions made. You can get cash back from gas, groceries and drugstore purchases. Get the full offers of the card so that the annual fee won’t bother you which is at $39. Moreover, paying the bills on the specified time or at the end of a month lets you get away from the interest of 19.99% on purchases and 21.99% on cash advances as well as balance transfers

Scotia Momentum Visa™ Card additional benefits:
• 2% cash back are given to card holders on purchases made either on gas, groceries or in a drugstore. It also includes recurring payments.
• 1% cash back on all eligible purchases with Momentum Visa card.
• Credit limit is at $500 which is higher compared to other credit cards.
• Save 20% discount to any AVIS Car Rental service you have purchase but allowed only to the participating locations.
• Electronic banking is available to check your account information, bill payments and mini-statements.

Cash Back Platinum MasterCard® with No Hassle Rewards™

The clients who are suitable for this card are those individuals who spend money and just want to gain the cash back or rebate. They are the persons who spend for small quantities of merchandise but get much of the benefits of the credit card.

Here's what you get with this card:
• 0.5% cash back annually on total purchases up to $3,000 are given back to the card user.
• Additional 1% cash back annually on total purchases above $3,000 is also returned.
• This card doesn’t have any annual fee charge.
• When redeeming your cash by cheque or get a credit on your statement you can request for it online.
• Earning or savings you gain with this card has no limit or capacity.

Chase Freedom Visa $50 Bonus Cash Back

Chase Freedom Card has a lot of rewards to offer. It starts off with the cash back of $50 during the first purchase made with the card. Moreover, a 0% introductory APR is also given along with the no annual fee policy. This is one of the best cards that you can pick. Check out more of its benefits and features below.

Chase Freedom Visa offers more than what is mentioned above:
• 5% cash back offers is returned to the card holder when purchasing gas, home improvement and department stores.
• Get additional 20% cash back when buying with the specific merchant online using the Chase credit card.
• 1% cash back for all the credit spent – no spending tiers or caps on how much you can earn.
• $50 bonus cash back during the card first purchase.
• No annual fee as well as introductory APR.

SEE ALSO

Best Credit Cards in Canada

Cash Back MasterCard Credit Card Canada

Cash Back Visa Credit Card Canada

Rewards Credit Card Canada

References

ExtraCreditCards.Com

Reward Credit Cards

Canadian-Money-Advisor Reward Cards

External Links

Canadian Credit Cards

FCAC - Best Credit Cards in Canada

Best Credit Cards Comparison

SEE ALSO

References

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