Gold Credit Card Canada
Gold credit cards are the type of cards that gives the card holder most of the features and benefits that the card company can offer. These cards do have an edge over the classic credit cards as these cards can give you additional benefits which are not available with other conventional cards. Commonly, these cards require a good or excellent credit history which mean that person who do have this kind of cards are those people who have been using credit cards in the past and are responsible with their settlement or paying off their billing statements on time. This people also are keen in avoiding any penalties or charges as they are keeping their credit history status at a good level.
Balance Transfer Credit Cards Gold Cards
This credit cards offer low interest rates on balance transfer transactions. This offer is only available on a certain span of time which depends on the card company how long the grace period will last. These cards are better for credit card users who have high balances to settle from another credit card under a high interest rate. Gold Credit Card Canada. They will need to transfer the balance on a low interest card to be able to pay off the balance having only minimal interest charges added on the account.
Some of the best Balance Transfer Credit Cards under the gold cards category.
Capital One - Gold MasterCard®; 11.99% Guaranteed for 3 Years (as long as you pay your bills on time)!
Apply Today! Capital One - Gold MasterCard®; 11.9% Guaranteed for 3 Years (as long as you pay your bills on time)!
If your credit is good but not absolutely perfect, this is the Best Capital One credit cards Canada is for you. It has the same features as the Smartline™ but with just a little higher interest rate. All the features and benefits are the same but interest rate really matters for a credit card holder.
Additional card benefits that the credit card provides the user:
Annual interest rate for cash advances is 19.8% for this card.
Enjoy the certainty of a low long-term rate of 11.9% on purchases and balance transfers guaranteed for 3 years as long you pay your bills on time.
The rate will stay low and become a variable rate of Prime 9.9% on purchases and balance transfers.
Save money when you transfer high-interest debt with our no-fee balance transfer service.
Subject to credit Approval by the credit card company.
Citibank Gold Credit Card
This credit card offers a 1.9% p.a for 12 months on balance transfers and access to Citibank World Privileges. This card is suitable for credit card holders who are having problem paying off their credit card balances under a high interest rate. With this card, low interest rate for balance transfer is guaranteed but for a grace period of only 12 months. Take note of these rates so that you won't be having problems when the interest rate goes back to its regular rate.
Here are more benefits packaged with the credit card:
Typical rate 20.74% APR is variable on purchases using the card.
55 days interest free on retail purchases guaranteed by the card company.
Credit Limit up to $25,000 for this card.
Qantas Frequent Flyer Points is given to the card holder.
Interest rate of 21.24% cash advances.
PhotoCard Security which allows the card user to personalise your card as an extra safeguard.
No ATM fees at over 1,700 ATMs that only applies to Citibank and Westpac-branded ATMs.
Gold Credit Card Canada
Cash Back Credit Cards Gold 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 wont 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.
IberiaBank Visa Gold Credit Card
With this credit card the card holder will have an outstanding of cash backs to be received as the card issuer assures that the card user would take pleasure in the rebates being returned. This card also doesn't have any annual fee which gives the client less payment to think of. All of this credit card features are of gain for card holder but watch out for the interest on purchases and cash advance. Gold Credit Card Canada. Card holders must be keen in looking for date where promos will end in which interest rates will change back to its normal value. Make sure that you won't get into the drawback of having lots of added interest charges.
Check the added benefits of this card:
Earn 1% in cash back credit on all qualifying purchases done by the card holder.
No limit on cash back; no expiration date on eligibility for accounts in good standing status.
Travel accident coverage up to $500,000 given to the client.
No annual membership fee for this credit card.
Low, variable rate APR of 9.25%, 12.25%, and 15.25% as of 1-1-10 based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00)
Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness; this APR will vary with the market based on the Prime Rate.
Online access to credit card account information is always available.
Low Interest Credit Cards Gold Cards
MBNA Gold MasterCard® Credit Card Fixed 9.99% AIR
Apply Today! Gold MasterCard® credit card - Fixed 9.99% AIR
Clients who are not eligible to have the Platinum Plus® MasterCard® credit card could avail for this good credit card. This has a common feature with the Platinum Plus® card but a difference in their interest rate exists. This card has a fixed 9.99% annual interest rate. This card is still considered as a good and preferable card for clients. Using this card for a certain period of time until making an excellent credit history wont get you into trouble in paying your balances along with the interests but instead, it makes you a candidate to apply for the Best MasterCard Credit Card that is available.
Here are some features of the credit card:
No Annual Fee for the card holder.
9.99% Annual Interest Rate on Purchases and Cash Advances are offered and is considered a fair rate for the client.
Around-the-clock fraud protection that gives assurance of safety and risk-free for the clients.
Online access to your credit card account is available by just login in the internet with secured login password.
24-hour Customer service that is always ready to help.
Immediate cash access at 430,000 ATMs internationally
Emergency services like lost document and ticket replacement, lost luggage assistance, travel accident insurance, auto rental insurance are also catered on the services of the company.
Capital One - Gold MasterCard®; 11.99% Guaranteed for 3 Years (as long as you pay your bills on time)!
Apply Today! Capital One - Gold MasterCard®; 11.9% Guaranteed for 3 Years (as long as you pay your bills on time)!
If your credit is good but not absolutely perfect, this is the best capital one credit cards Canada is for you. It has the same features as the Smartline™ but with just a little higher interest rate. All the features and benefits are the same but interest rate really matters for a credit card holder.
Additional card benefits that the credit card provides the user:
Annual interest rate for cash advances is 19.8% for this card.
Enjoy the certainty of a low long-term rate of 11.9% on purchases and balance transfers guaranteed for 3 years as long you pay your bills on time.
The rate will stay low and become a variable rate of Prime 9.9% on purchases and balance transfers.
Save money when you transfer high-interest debt with our no-fee balance transfer service.
Subject to credit Approval by the credit card company.
Gold Credit Card Canada
Rewards Credit Cards Gold Cards
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.
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.
Aspire Gold MasterCard®
Apply Today! Capital One - 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.
See Also
Balance Transfer Credit Card Canada
Best Low Interest Credit Cards Canada
Best Capital One Credit Cards Canada
Best MasterCard Credit Cards Canada
Best Visa Credit Card Canada
Best Cash Back Credit Cards Canada
References
Best Credit Cards in Canada
IberiaBank Visa Gold Credit Card
Cash Back MasterCard Credit Card Canada
Cash Back Visa Credit Card Canada
Rewards Credit Card Canada
External Links
List of Top Visa Credit Cards
Canadian Credit Cards
FCAC - Best Credit Cards in Canada
GOLD CREDIT CARDS CANADA
