Finding the greatest credit card can be difficult, especially since there is no such thing as a “universally best” credit card… Let’s take a look at some of the top bargains out there and see which one is ideal for you!
The disciplined, who can maintain track of their capacity to pay their monthly charge on or before the due date, are the finest users of credit cards (ideally in full). Switch as many of your purchases to your credit card as possible, and only use your debit card for ATM access if you already know how to use a credit card properly. Because of the mix of rewards, buyer protection, and the value of cash-in-hand, you’ll be ahead of those who pay with a debit card, check, or cash.
Here are my top 5 credit cards to consider, all of which were chosen based on the perks and benefits they provide. A number of these are only available for a limited time, so hurry!
Its card and this offer are one-of-a-kind. Rather of spending a set amount during the first three months, you must spend $500 per month for the next 12 months to receive the full welcome bonus. Those are two completely separate benefits, out of a total of thirteen (each month is considered individually).
Those that spend a lot of money on a monthly basis may be able to take advantage of it. However, with a 5X gain rate on many transactions, this is by far the most profitable card for everyday purchases, especially because the points can now be transferred to Aeroplan for an unbelievable 7.5 percent effective earn rate, making the welcome bonus worth almost $1157.
A year of unrestricted lounge admission for two people costs $791. Amazing.
This is a card that both of us have and enjoy. If you are a frequent flier, the fee will not be an issue, and the welcome bonus, which lasts for two years, makes this a valuable addition to your wallet. Unlimited access to airport lounges (for two people) and Gold Elite Status at the Marriott and Hilton are just a few of the perks that will make your trip more enjoyable. With its sleek, metal style, the card screams high-end customer.
The World Elite Mastercard is a must-have for frequent travelers; not only is it highly versatile, but you can also utilize the points you earn as a simple travel credit. In terms of fixed-value rewards, the welcome bonus is still a solid $591, and you can apply it to any trip expense. The minimum expenditure for the bonus is a little higher, but you have six months to meet it, so it’s only $231 per week. The card is one of the few that does not levy a foreign transaction fee, saving you 2.5 percent on all transactions made in other currencies when compared to other cards (only the exchange rate applies). Finally, the card boasts one of Canada’s highest base earn rates (a minimum of 3X the points, or 1.8 percent).
This is a new card with a terrific offer, especially for those looking for more flexible and easy-to-use points that may be utilized for almost any travel expense. The BMO eclipse Visa Infinite* offers one of the best earn rates in Canada in certain categories. When booked through bmorewards.com, the 30,000 points welcome bonus and the 9,000 points required to get it are worth $260 in travel.
You’ll also get a $50 lifestyle credit per year, which you may use on anything above $50. The credit is applied once a year, so the first year you held the card, you’d get two.
For the first year, the $120 card fee is waived, so you’ll get everything for free.
Finally, some limited insurance coverage, such as medical travel insurance, car rental insurance, and mobile device protection, is included. A monthly spend incentive is also available. Spend $2,000 per month for the next 12 months (months 4 to 15) and you’ll receive a monthly bonus of 2,500 BMO reward points.
You may enjoy 8 completely free nights at some of the world’s most beautiful hotels with only one welcome inducement, but it’s a mouth-watering one. This card is a winner, with the most lucrative features when it comes to maximizing your Marriott points. The card’s basic earn rate is likewise good, and it comes with more cards for free. The welcome bonus enables you to 8 free nights in a range of excellent countries throughout the world, like Bali, Malaysia, South Africa, Spain, and India, to mention a few of the exotic destinations where you can use this hoteliers dream.
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