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The Benefits Of Easy To Get Credit Cards
The easiest to obtain credit cards for the majority of Canadians are balance transfer cards, they can save you hundreds of dollars in interest and may offer more benefits and perks than your current plastic friend.
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Transferring your credit card debt from one card to another in whole or in part is known as a balance transfer. Typically, people utilize credit card debt transfers to get a much lower interest rate. It is crucial to understand that a balance transfer only shifts debt to a new card; it does not eliminate it. For people who have kept their finances in line and have made all of their payments on time, consolidating high-interest debt provides a number of benefits.
Numerous incentives for balance transfers are often offered by financial institutions. Getting a debt transfer credit card may be quite advantageous for Canadians who are paying off a large amount on a credit card with a high interest rate. It’s a great way to cut down on total interest payments and quicken debt payback.
Canadians who are overwhelmed with many monthly credit card payments may combine their credit card balances into one with a balance transfer. This might be a great chance to save a lot of money if used in conjunction with a credit card that gives cash back, travel rewards, or other benefits and discounts. Continue reading to discover the benefits of leading credit cards that are easy to apply for and get.
Perform a Balance Transfer to Scotia Momentum Visa Infinite and Enjoy Cash Back on Every Purchase
One characteristic distinguishes the Scotia Momentum Visa Infinite from the competition: cashback bonuses. The Scotia Momentum Visa Infinite provides up to 4% cash back on everyday purchases, making it one of the few Canadian credit cards that provide this benefit outside of travel incentives.
When you use your Scotia Momentum Visa Infinite to make purchases, you will get 4% cashback on groceries and bill payments, 2% cashback on gas purchases, and 1% cashback on everything else. Although this card is not created primarily for travel, it does provide certain travel perks. Cardholders are eligible for travel insurance and room upgrades.
Card requirements:
- Recommended Credit Score: 700 or higher
- Minimum Income Requirement: $60,000
- Yearly Fee: $120
Canadians Can Benefit From Fantastic Travel Rewards and Discounts with the TD Aeroplan Visa Infinite
There are first and foremost travel perks. Air Canada and other Star Alliance airline partners recognize Aeroplan, a popular travel rewards program. The TD Aeroplan Visa Infinite is a popular travel card since it offers a comprehensive package that includes the opportunity to earn Aeroplan Miles on purchases as well as extensive travel insurance coverage.
Customers get one Aeroplan mile for each dollar spent on merchandise. You will earn 1.5 miles for various purchases, including groceries, pharmacy items, Air Canada flights, and gasoline. This may quickly accumulate for folks who pay for everything with a credit card.
Card requirements:
- Recommended Credit Score: 700 or higher
- Minimum Income Requirement: $60,000
- Annual Fee: $0 for the first year
Scotiabank Gold Amex Card Boasts No Fees for International Transactions, Great News for The Frequent Traveller
Another wonderful option from Scotia Bank that includes a rewards program designed just for travellers. Within this program, cardholders may earn five Scotia Rewards points for every dollar spent on eating, grocery, and entertainment. Three Scotia Rewards points are awarded for every dollar spent on gasoline, while one Scotia Rewards point is awarded for all other categories.
Additionally, new users get 25,000 extra points simply for joining up. These points may be used for vacation expenditures, credit card balances, and more. Foreign transaction fees are a rarity among Canadian credit cards, making the Scotia Bank Gold American Express card even more attractive to international travellers. Additionally, cardholders get a comprehensive travel insurance package and complementary concierge services.
Card requirements:
- Recommended Credit Score: 700 or higher
- Minimum Income Requirement: $12,000
- Yearly Fee: $120
Tangerine World Mastercard – Incredible Credit Card Deal with World-Beating Discounts and Cash Back Rewards
Tangerine may pass on substantial savings to its customers by eschewing several services normally associated with physical banks. The World Mastercard is Tangerine’s most popular credit card due to its lack of an annual fee and vast benefits.
Although rare for a card with no annual fee, the Tangerine World Mastercard offers a variety of advantages that will appeal to travellers, such as rental vehicle insurance, free airport Wi-Fi, lounge access, and cashback incentives when travelling.
The biggest advantage of this card, though, is its 2% cash-back rewards program. The cardholder may select between three unique spending categories. In contrast to many other rewards credit cards, the Tangerine World Mastercard has no limit on the amount of cash-back rewards you may earn, so your rewards balance can quickly grow.
Card requirements:
- Recommended Credit Score: 700 or higher
- Minimum Income Requirement: $60,000
- Annual Cost: $0
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