i had a rbc student visa before, then i got a CCS visa, but it sucks so i switched to a capital one MC.

planning on getting the Platinum Travel Visa Card or RBC Avion Visa Card

but i currently use the RBC Rewards Classic which sucks imo.

I think the biggest factor in choosing a card should be whether or not you are paying it off every month. I work as a banker, and I refuse to give my clients a "dividend" card if they aren't paying their full balance off every month... typically the interest rate is higher than the standard card. Also watch out with the aero cards... $120/yr is enough to negate the rewards plan unless you use the card to make a lot of larger purchases, or for day to day stuff... and pay it off every month.

There's tons of options, but for my clients for the past 2 yrs it's either been the classic card with no rewards (hassle free) or else the aerogold if they plan to do the bulk of their purchasing on the visa. Rewards are great, but keep in mind the annual fees, and the slightly higher rates that are typically charged.

Td Gold Visa - 1% cash back

There's an annual fee but I have a Select Service Checking Account which waivers the fee if i have a certain amount in the account.

Personally i think the 1% cash back is alot better then most AeroPoints Plan. As someone stated 30 000 points = 30 000 dollars spent = 250 Dollar credit on travel, but if you had 1% cash back the 30 000 points = 300 dollars cash.

i use amex gold cash back. i also have the rbc visa gold rewards card, but i rarely use it.

RBC Classic Visa its the only i got approved for when i was 18

Aero Gold. $120 / yr fee.

I pay it every month 100% no matter what, purchase everything on it rather then use a debit card, as well purchase everything I can for work and use it for business travel. In 2007 I made enough points for pair of airline tickets to most of North America (haven't used it yet). Easily worth the $120 / yr.

RBC Rewards Gold. no annual fee. travel medical insurance and ldw insurance when you pay full with the card.

the actual rewards aren't that great though.

Scene.....

what do u get from scene?

CIBC Dividend card and NBC mastercard

points toward free movies, I think they just added music also

for every $1 spent you get 1 point
for every $1 spent in Cineplex theatres, you get 5 points

I guess it's good for those who often goto movies

I use CIBC Dividend, but they don't always give you 1%. My mom uses CitiBank which is guarantee 1% back for all the spending, so i guess that is a way to go!
sidenote: for ppl into travel, take a look into Amex Sky Blue card, just got mine last week, 1.25 points / $1 spending, not bad

+1

1) interest rates don't matter if you're going to pay it off in full and it's a lot safer and smarter to get in the habit of monitoring your spendings on your CC and being able to pay it off in full or not.
2) pick something that suits your purchasing habits NOT pick something you would like.

yeah watch out for the dividend cards since they tier the % rebate and usually only advertise the TOP tier of rebate level - so it might be .25% on first 2000, then .50% on next 2500, etc. They also put an outright cap on the dividend as well.

TD Rebate Rewards Visa Card.
1% cash back.

American Express Black

werd:thumbsup:

it's only 1% after $3000 spent
the first $3000 is 0.5%

Scotiabank Scene Visa

Is it just me, or does Scotiabank doesn't appear as popular as the other banks?

Any major difference b/w Visa and Mastercard?

^^^ visa is more North American while mc is more woldwide. I dont see visa being used as much out of North America.

I would say Visa is still more worldwide. From experience, the most accepted cards in order are:

1) Visa
2) Mastercard
3) American Express
4) Diners club
5) Discover card

4 and 5 are changeable depending on location. I maybe wrong, but just from places i've been too, that's usually the popularity list.

PC mastercard... I get $20 free groceries every month for using it. between that and gas at superstore i save about $50/month min. on grocery bills

i am just wondering how does credit scoring work, like say i paid off fully, and obviously its good for credit scoring but or say i just paid off minimum or i paid off half of what i used, does it affect alot on the scoring?

i usually pay off fully, just a thought .

Vancity Enviro Visa.. but want to find a good airmile rebate one