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Best Credit Cards in Canada 2017

Best Credit Cards Canada 2017If you’re looking to bathe yourself in points, miles, cash or simply bask in the glory of 0% interest rates, our latest picks for Canada’s Best Credit Cards for 2017 should get you lathered-up into a frenzy!

You can stick with the card you have in your wallet, but do so at your own risk. Some of the biggest deals out there are only offered to new cardholders. Why pay 19.9% interest when you can pay 0%? Why collect 2 miles per dollar spent when you can get 25,000 miles just for switching cards?

With hundreds of the best credit cards in Canada reviewed, dissected, analyzed, and put to the test, this is a great starting point in your hunt for the best credit card deals and offers in the country.

GreedyRates’ Best Credit Cards in Canada

Best Credit Card Offer For April 2017

Scotiabank Gold American Express Card

This card doesn’t get nearly the credit it deserves. But with it’s limited time offer until July 31, 2017, which waives the first year annual fee, and gives a $300 travel credit, it’s almost too good to pass up, especially when there’s no cost to give it a try.Scotiabank Gold American Express

Here’s what makes the card so special for the long run. You can get a 4% earn rate on gas, grocery, dining and entertainment spend, 1% everywhere else.

What makes this card so flexible is that you can then apply your travel rewards against any travel expenses on your credit card statement. Accumulate $200 worth of points, and simply apply them against your $300 hotel charge on your credit card statement.

There’s no grid, chart, black-outs, travel centre, or availability issues. Book how and where you want, and simply redeem the dollar value of your points against any travel charge.

With no annual fee in the first year, there’s zero risk to getting the card and a free $300 incentive. That’s free money. Why wouldn’t you get it?

Click Here To Apply For The Scotiabank Gold American Express Card

Best Credit Card For People Looking For CashBack

MBNA Rewards World Elite

The MBNA Rewards World Elite is not only the best cashback credit card in Canada, it’s also the best rewards card. It offers 2 points per $1 dollar spent, with each point worth 1 cent. As a result, you earn $2 for every $100 spent on your credit card, or 2% on ALL purchases with no limits, caps or tiers.MBNA Rewards World Elite MasterCard credit card

But this card sets itself apart with its flexibility and transparency. Spend $10,000, get $200 cash back. At any time, you can then request that the cash back be credited to your account as a statement credit or you can even request MBNA deposit the $200 into any Canadian checking account!

Many cash back credit cards only offer cash back as a statement credit at the end of each year. So if you wanted to use your cash back earlier you’d be out of luck. That’s why MBNA’s redemption policy is so refreshing – it’s user friendly – a novel concept for many credit card issuers.

The MBNA Rewards World Elite MasterCard comes with a $100 welcome bonus, which off-sets the $89 annual fee in the first year. Essentially, you’re getting to try a premium credit card, with premium rewards, on the house, for a full year.

Click Here To Apply For The MBNA Rewards World Elite MasterCard

Best Credit Card For People Looking For Free Travel

American Express Gold Rewards Card

This card is phenomenal if you’re looking for a rich sign-up bonus,  redemption flexibility, insurance and a great rewards rate.Best credit card Canada American Express Gold Rewards

The card comes with a great welcome bonus. First, the annual fee of $150 is waived for the first year. Second it comes with a 25,000 point welcome bonus. The annual fee waiver makes the 25,000 point bonus completely free. The great thing about the welcome bonus is that you can either use it as a $250 credit against any travel expense on your credit card statement. Or, you can convert it to Aeroplan miles 1:1 at no extra cost, meaning it effectively becomes a 25,000 bonus Aeroplan miles!

The Amex Gold Rewrds card also happens to be a great rewards earner, but more than that, the highest earning Aeroplan credit card in the country. You get 2 points per dollar spent in grocery, gas, pharmacy and all travel purchases and 1 point everywhere else. Remember, if you convert your points to Aeroplan that’s 2 Aeroplan miles in gas, grocery, pharmacy and all travel! The best any other Aeroplan credit card does is offer 1.5 miles per dollar spent!

With no annual fee in the first year, and 25,000 points that can be converted into a $250 travel credit or 25,000 Aeroplan miles, you can redeem for a free return flight to anywhere in North America from any Canadian city!

Click Here To Apply For The American Express Gold Rewards Card

Best Credit Card For People With Credit Card Debt

MBNA Platinum Plus MasterCard

If you have credit card debt and you’re paying interest, there’s hope. The truth is, if your credit is fine, you can avoid paying any interest. That’s right, you can pay 0% interest for an entire year. It’s cheaper than a home MBNA Platinum Plus 0%equity line of credit or a personal lone.

The MBNA Platinum Plus MasterCard comes with no annual fee and offers a 0% interest rate for 12 months. The only cost is a 1% balance transfer fee.

The potential savings with this card are huge. If you owe $5,500 in credit card debt at an interest rate of 19.9% you’d save over $965 in interest costs in one year alone!!! All your monthly payments will go towards paying down your debt, not interest. It’s also a great way to consolidate all of your credit card and store card debts, so that you end-up with one simple payment per month.

Click Here To Apply For The MBNA Platinum Plus MasterCard

Best Credit Card For Family Travel

WestJet RBC World Elite MasterCard

If you’re looking for a credit card that can help lighten the cost of travelling with your spouse and kids, there’s no better card than the WestJet RBC World Elite MasterCard.WestJet World Elite MasterCard

To start, the WestJet World Elite MasterCard comes with a $250 WestJet Dollar sign-up bonus travel credit, in addition to an annual companion voucher. Both the bonus and voucher can be used on the same itinerary. For example, you can use the $250 on your ticket, and for the same trip buy your spouses ticket (plus taxes and fees) for $99 to any destination in North America.

But what also makes this card really stand-out, is that it offers first checked bag free for the primary cardholder and up to 8 travelling companions! With checked baggage now costing up to $30 each way, for a family of 4 that could be equal to a savings of $240 return per trip! Not only that, you get your first checked bag free whether it’s a rewards flight or not.

Lastly, the WestJet World Elite MasterCard offers solid protection, with Travel Medical Insurance for you and the entire family while your out of country or out of province. In fact, you don’t even have to fly to get covered, you can drive down to the U.S. and your families still protected.

Click Here To Apply For The WestJet RBC World Elite MasterCard

Best Credit Card If You’re A Student

BMO SPC MasterCard

Getting you’re first credit card when you’re a student should be a simple task. You want a card that offers easy approval, does not require income or proof of income and offers great rewards!
BMO Student SPC Mastercard

Unfortunately, not all Canadian student credit cards fit the bill. In fact, some require that you hold a part-time job and show proof of income. Not exactly friendly to the full-time student. Others require you pay an annual fee, which makes no sense.

That’s why we love the BMO SPC Student MasterCard. It comes with no annual fee, no income required, and has 2 amazing rewards programs built into one card. First, you get automatic membership into the SPC Card student program – a savings of $10 on the membership fee each and every year you’re in school. Second, you get 10-15% discounts at hundreds of retailers across Cananda through SPC.

Lastly, you can either get the cash back or Air Miles no fee student credit card. The BMO SPC Cash back card offers a welcome bonus of $60 and 1% cash back on all purchases, and the no fee Air Miles card comes with a 500 Air Miles welcome bonus!

Click Here To Apply For The BMO SPC MasterCard

 

 

28 comments

  1. Hi

    I will be furnishing a house, getting new carpet, flooring, etc. I am thinking I could probably take advantage of all these expenses and put them on credit card and rack up some rewards. I currently have 2 low interest – no frills cards, both currently paid off. Because I pay my card in full each month I was thinking I could change to a higher interest card with some awesome points. We do go on holidays once a year, usually a cruise so I am wondering if a travel rewards card would be good. I don’t currently collect airmiles. Also, can I put these expenses on my card and then pay it right away and still qualify for the rewards or do I have to wait for the statement.

    Thank You so much for your time and this wonderful column

    • Hey Christine, thanks for getting in touch with us.

      Congratulations on your home purchase! It is very exciting, and we think that you’re totally correct: With the right card, all these purchases coming your way are an amazing opportunity to earn big rewards. There are many great cards that offer travel rewards, and two of the best for your situation are the Starwood Preferred Guest Card from American Express, or the RBC WestJet World Elite MasterCard, depending on which rewards you like more.

      With the former card, Starwood offers customers the ability to save big on nice hotel stays during their trips. By spending $1,500 during the first three months of membership, which should be easy for you with all the impending expenses, you can get 20,000 Starpoints and 1 Starpoint on every dollar spent elsewhere. With increasing yearly spending on the card, you also unlock free hotel stays (even at 5-star branches) and other rewards. You could surely use it to get a lot of value from your coming purchases.

      The other option is the RBC WestJet World Elite card, which is preferable for those who like to save on flights. You’ll get a bonus voucher of $250 immediately, annual companion voucher, free checked bags, and the ability to earn 1.5% on all your upcoming purchases. It also provides great insurance for trips abroad.

      Additionally, you can pay these expenses right away with the card and be instantly eligible for the rewards in most cases.

      Bon voyage!

      GreedyRates Staff

  2. Hi,

    I currently have the TD Aeroplan Infinite Visa travel card and the American Express Gold Rewards card. For the first year for both those cards I received a good welcome bonus and waived annual fee, but now the year is coming up and I do not want to pay a fee for both these cards ($120 for TD and $150 for AMEX). Another issue I’m having is that many places I shop don’t accept AMEX. I really like the card and would prefer to keep it, but companies not accepting it has really become a hassle. Do you have any suggesting as to what other options I may have to switch the cards, exempt the fees, or ultimately cancel one/both while minimizing the damage on my credit score? (I understand cancelling credit cards and applying for new ones can have a negative impact on my credit score).

    I was thinking maybe I should have 1 visa and 1 mastercard to cover my bases as both have the widest variety of acceptance among merchants. I don’t carry a balance and pay off in full every month. I would prefer to have one card as my primary and another as secondary if a merchant does not accept the primary (for ex. Costco only takes mastercard).

    Any suggestions would be greatly appreciated, thanks!

    • Hi Paul, thanks for your questions.

      We understand that getting the welcome bonuses and exemption from annual fees when you have just opened an account is great, but these cards specifically are also some of the best for everyday use. The longevity of the Amex and the TD Aeroplan Infinite Visa is one of their best features.
      Over time, both of these cards can bring enormous value for those who like to travel, and we recommend them to customers often. However, we do agree that perhaps one annual fee is enough and that a Visa might be a better choice if you’re having issues finding places that accept American Express.

      Additionally, because your travel rewards scheme is currently a bit redundant, it may be time to look for a different kind of bonus. We like the Scotia Momentum No-Fee Visa, which rewards cash back, is a Visa and has no annual fee.

      Keep in mind that if you don’t have an issue paying your balances but do not like the concept of an annual fee, you may not like how much issuers charge for their best cards, and frequent cancellations and applications may affect your credit negatively.

      We hope that helps,

      GreedyRates Staff

  3. i have quite a few credit cards including the Gold American Express, RBC Avion and MBNA World Elite, but I’m want to just just one card to accumulate points and not a few or else I will not build up enough points to use on one card. MBNA has horrible customer service but their point system is 2 points for ever $1 and same as American Express Gold but for groceries and gas only. Except for the American Express which I pay when the bill comes, I want to pay off the balance on my MBNA and RBC and close one of them, most likely MBNA. RBC has been kind to me in the sense that they keep raising my limit even though I am no where close to even getting that high.

    My question is are the points on all three cards equal the same? 1 cent per 1 point? Which would you recommend for the best rewards and availability? Thank you in advance.

    • Hey Joey, thanks for your detailed questions.

      You are right that it is easier to use one or two complementing credit cards in order to build rewards faster. Having multiple credit cards is not difficult to handle, and helps a credit score, but also fractures the bonuses you receive unless carefully planned. We’re very sorry to hear that you had a bad experience with MBNA’s customer service, and side with you – if you’re going to cancel one card let it be the MBNA.

      The bonuses it earned were somewhat redundant with that of the American Express anyway. By focusing more of your credit usage on the RBC and Amex cards, rewards points will collect faster. We think the travel rewards from the RBC Avion card complement the American Express’ services well. The points system that each issuer uses to quantify their rewards does not differ much, usually 1 cent is the same as 1 point or 1 mile per $1. Generally better cards will bump this up to 2 or even 3 per $1.

      We hope that helps,

      GreedyRates Staff

  4. Wow – what really great feedback you give to each person asking questions. I’m learning so much just from reading them. Thanks GreedyRates!

    Here is my situation:
    I use my Visa card for everything – except I had to get a MasterCard when my grocery store stopped taking all other card types. I have an American Express Gold Card but don’t use it much at all.
    My bank is discontinuing their MasterCard as of May 1 so I am shopping for a new MasterCard. Which do you recommend? I think I’ve also learned from reading above that perhaps I should be using my Amex Gold instead of my Visa Infinite to earn more travel rewards? We spend about $5000 a month on our Visa and always pay it off, and prefer travel rewards.
    Thanks in advance for your recommendation…

    • Hey Danielle!

      We’re so happy to hear that you enjoy GreedyRates, and we look forward to helping you with your situation.

      As you might know, your American Express Gold Card rewards double points on grocery, gas, pharmacy and travel purchases, and these points transfer to Aeroplan miles at a ratio of 1:1. Because you are able to use these points on flights, and also to pay off all travel-related expenses, it’s really one of the best travel rewards ecosystems out there. We highly recommend using it more to cover purchases that would have otherwise been made with your Visa.

      For groceries however, because your store does not accept anything other than MasterCard, there are a few options to explore.

      Your current cards’ travel rewards revolve around Aeroplan miles, so ideally you would want a MasterCard that can earn the same when buying groceries. While there are no MasterCard cards that directly add Aeroplan miles, the BMO CashBack World Elite MasterCard comes close. The points that accrue with this card can be used on any Canadian airline (including Air Canada’s Aeroplan), and the bonuses match what you’re looking for perfectly. Cardholders get an immediate 20,000 points, VIP airport lounge access and excellent travel insurance. If this interests you, check it out!

      GreedyRates Staff

  5. Hello,

    I am looking to change my current BMO student price card MC to a regular credit card. I am worried about this reflecting negatively on my credit report (changing credit cards). I currently have an excellent credit score and want to keep it that way. Also I usually pay off the card every month and if I don’t I always have less than 1/4 of the limit. I am looking for something I can optimize benefits weather that is cash return or travel return. I typically spend (and usually pay off) anywhere from 500 – 1500 a month. I am leaning towards the Westjet MC however would this be my best option?

    Thank you for your input,
    Katie

    • Hello Katie!

      Great questions. It sounds like you have excellent creditworthiness, and switching to a better credit card will not only have a negligible impact on your score, most banks expect it. If you’re looking for cash back and aren’t worried about carrying a balance, go for the Scotia Momentum Visa Infinite Cash Back card, which has a plethora of cash back bonuses designed to benefit you no matter what you purchase. 4% on gas and groceries, 2% on recurring bills and drugstore expenses, and 1% on all else (just to be safe) could net you hundreds in cash back every year.

      If travel rewards are more your style, the card you’re considering isn’t a bad choice! The Westjet MasterCard is one of the most comprehensive travel cards out there, granting a unique bonus of one very inexpensive round-trip companion voucher every single year. With free checked bags for you and your friends, 1.5% point accrual rate on all purchases and a $250 welcome bonus, you will soon be travelling in style without breaking the bank.

      Hope that helps,

      GreedyRates Staff

  6. I’m thinking about applying for a fee new credit cards. I live in Ontario, and intend on paying my mortgage, car payment, groceries and everything else with whatever credit card gives me the most back. My family and I travel a couple times yearly, and I would like travel rewards or even cash back. Which cards would you recommend that I combine. I was leaning towards amex gold and TD infinite aeroplan. My credit is good.

    • Hey Chad!

      Awesome questions. We’re confident we can find you a great pair of cards that work together to provide excellent bonuses.

      You mentioned that cash back and travel rewards were your top choice. It is logical that you were drawn to the TD Aeroplan Infinite Visa first, as this is one of the most powerful travel rewards cards that we have encountered recently. The 30,000 bonus miles are hard to beat, and when you pay for gas and groceries with the card you earn Aeroplan points at a rate of 1.5 per dollar spent. You’ll also enjoy other travel perks that you can pass on to your family, like a free checked bag, priority check-in and far-reaching travel insurance benefits.

      For your second card, you can go one of two ways (as we see it): pick the American Express Gold Rewards, like you mentioned, or go for a cash back card to cover your other bills. The Amex card would complement the TD Infinite card very well, as accrued points are transferable at a 1:1 ratio to Aeroplan points, and the immediate bonus is 25,000 points. When added to the TD Infinite’s bonus of 30,000, you’re looking at a hefty head start. You can also use the Amex card abroad for double the normal accrual rate and then pay for purchases with these points.

      Another option for the second card is the Scotia Momentum Infinite Visa, if you desire cash back. With an annual fee waiver on the first year, and if you’d like to use it for gas and groceries instead of the TD Infinite, which rewards Aeroplan miles, you can get 4%(!) cash back. Recurring bills (mortgage and car payment may be eligible) reward 2% cash back, giving you a bonus on almost any expense you and your family may encounter.

      We hope this helps,

      GreedyRates Staff

  7. I have the Capital One Aspire World Travel Mastecard, and I feel that it is the best card I have in my wallet. It accrues 2 points per $1 spent, it is an annual fee of $120, but on my anniversary date of the card, I receive 10,000 bonus points = $100, so the card actually costs me $20 per year. I can scrub any travel expense to the $, (example airfare of $1030 could be scrubbed with 103,000 points). I don’t think new cardholders get the 10,000 bonus points on the anniversary date of the card however.

  8. Hi,

    I’m a small business owner putting about $10k a month on my RBC Avion. I just got an upgrade offer to their Privilege card and it made me realize that with my current spend, there may be a better card for my needs than the Avion. I like the travel benefits I get from RBC. Would love to know any recommendations you have. Thanks for your help.

    J

    • Hi Jesse!

      Thanks for the comments. Glad to hear that you’ve been inspired to upgrade, and you’re completely right – you could be getting much better benefits elsewhere. It’s helpful that you mentioned you like travel benefits, and it happens that there’s a bonus-heavy card that fits your needs well. Based on your monthly travel needs, a card like The Business Platinum Card® from American Express® could hit the mark with a 40,000-point welcome bonus, 25 points per $1 spent, worldwide airport lounge access and other benefits that are tailored for business owners.

      We suggest you go over to our 2017 list of the best business cards in Canada for a detailed review of other cards that could fit your needs.

      We hope that helps,

      GreedyRates Staff

  9. What is the credit score needed for MBNA card?
    i have 5 years of credit history
    no late payments
    recently cleared my outstanding balances.

    current stats: equifax score 730
    trans union score : 710
    utilisation: 28%

    in total i have 5 cards 15000 limit altogether
    what are my chances
    Thank you

    • Hey John – thanks for your excellent question! You seem to have a great credit history and a score that reflects a responsible outlook on debt.

      The article you reference has two MBNA cards mentioned: the MBNA Platinum Plus and the MBNA Rewards World Elite, and due to the differences between them, MBNA will appraise your creditworthiness differently depending on which you apply for.

      That said, a 5 year history of good credit like yours plus utilization under 30% means that you have a good chance of being accepted. Regardless, it comes as little risk to you or your credit report just to apply, so we say go right ahead.

      We hope that helps,

      GreedyRates Staff

  10. Hi,
    I am looking for the best credit card, whether it be rewards or cash back or travel – it doesn’t matter. I spend approximately $1500 a month and always pay it off at the end of every month. Suggestions on which card would be the best for me?
    Thanks, Allie

    • Hey Allison! Let us help you on your search.

      Considering that you spend around $1500 each month and always pay your balance, we highly recommend the Scotiabank Momentum Visa Infinite credit card. This is one of the most powerful cash back deals available, but you might want to hurry! They are currently running a promotion until April 30th, that gives 5% cash back on ALL purchases made for the first three months. For you, this promo alone would equal $225 cash back from standard monthly use. Also, the card provides an impressive 4% back on gas and groceries, 2% on pharmacies and recurring bills and then 1% on everything else (even on top of gas, groceries, bills etc.). For raw cash back, this card is hard to beat.

      For travel, the American Express Gold Rewards card is great. Amex offers new customers that spend $1500 within the first three months 25,000 reward points, and then points accrue at a rate of 2 points for every $1 spent. This favorable rate is made better by the fact that these points transfer 1:1 with Aeroplan and Avios programs, and can also apply to a range of other programs from Delta, Etihad, Starwood, and others. It’s an extremely flexible travel card and there are few situations where it will not benefit you in some way. Also, there is no annual fee. Which card you go with is up to you, but there are some extremely solid choices that will suit your needs wonderfully.

      We suggest you go through our full list of the best credit cards in Canada in 2017 for more insights.

      Good luck and happy travels!

      GreedyRates Staff

  11. I currently have a MBNA platinum plus card (zero balance), am I eligible to apply for another same card so that I can get 12 month of 0% interest free? In the past, MBNA offers existing card holders for 0.99% interest free for 12-18 months but I haven’t see any offer yet in 2017.

    • Hi Kim,

      Yes you can apply for another MBNA Platinum Plus MasterCard. In order to pay down the first MBNA Platinum Plus MasterCard you’ll have to use a simple workaround, since no banks allow you to do a balance transfer from one of their own credit cards to another of their own credit cards.

      Simply ask MBNA to do a “deposit Transfer” from your new MBNA Platinum Plus credit card to any Canadian checking account. You’ll get the requested amount deposited in your checking account at the same 0% rate for 12 months. It’s kind of like a cash advance, except it’s deposited into your checking account at 0% for 12 months. Then use the cash from your checking account to pay down the balance on your first MBNA Platinum Plus MasterCard – or for any other purpose.

      We do not recommend you take a balance transfer from MBNA on one of your existing accounts, since they typically charge a 3% balance transfer fee on those cards, as opposed to only a 1% balance transfer on new balance transfer credit cards.

      Hope that helps,

      GreedyRates Staff

      • No the balance but the credit, so for MBNA and RBC for example if you have two different cards with them and you want to transfer the credit to the other card you can as long as it’s at a zero balance and then close that card you transferred the card from.

  12. Hey guys, I have a couple very large purchases to make shortly (~$20K) and have been comparing cards for this. They will mostly be on accommodations but also thigns that do not fall into typical categories. I think the Amex preferred cash back makes the most sense (5% back on purchases (no restrictions that I can see) up to $8000 then 1.5% thereafter).

    I travel a lot so travel points are fine too but I think this is the best value for large but infrequent purchases? My spend will drop to very little following these purchases. Have I missed anything??

    • Craison,

      Great question! If you were to only get one cash back card for your situation, the Amex Simply Cash Preferred card would be it. Essentially you would get 5% on the first $8K and 1.5% on the next $12K for a total of $580 cash back.

      However, if you’re willing to get two cards, you can get the MBNA Rewards World Elite MasterCard as well, which gives you 2% on all purchases (comes with an $89 annual fee which is off-set by the $100 welcome bonus). You would then get 5% on the first $8K using the Amex Preferred and the 2% on the next $12K for a total of $640 cash back.

      If you want to think outside cash back, you could consider something like the Amex Gold Rewards card, which gives you 2 Amex points (2%) on travel expenses – which your accommodations may fall under. However, you can then transfer those Amex points to Aeroplan 1:1. With each Aeroplan mile worth 1.27 to 1.4 cents per mile, you’d be getting 2.54% to 2.8% in value – giving you even more than the MBNA Rewards world elite card. Then again, cash is king!

      Hope that helps!

      GreedyRates Staff

  13. I went to the american express gold rewards card site and did not see any mention of the annual fees being waved the first year. Is this perk still valid?

    • Hi Barbara,

      The Amex Gold Rewards card absolutely continues to waive the first year annual fee and says so right at the top of its landing page, third line below the image “Annual Fee:Your first year’s on us! That’s a value of $150”

      Hope that helps,

      GreedyRates Staff

  14. Trying to decide what to switch my credit card off to, I’m currently on the TD Emerald Visa, I know this gives me a lower credit rate but I don’t think I’m getting anything out of it other than just less interest.

    I have about 3000$ on it so I don’t know if I should go with something with a 0% transfer rate for balance or a rewards card. Thinking need a MasterCard as one card since my groceries are all done at No Frills really.

    • Hi Langley,

      We would suggest you do 2 things. First, you should definitely transfer your $3,000 balance to the MBNA Platinum Plus MasterCard at 0% for 12 months. Because TD owns MBNA, you won’t be able to do a direct balance transfer – you’ll have to do a “deposit “transfer” from your MBNA Plat Plus MasterCard to any Canadian checking account of your choice, then pay-off your TD Emerald Visa card from their. The deposit transfer will also be at MBNA’s 0% for 12 month term with a 1% transfer fee – best offer in Canada right now.

      If you’re not going to keep a balance on future spend, you should get a rewards card and earn something in return for your spend. Use our calculator to determine which is best for you. However, if you’re going to keep a balance from time to time, you’re probably better off sticking with your low rate card.

      Hope that helps,

      GreedyRates Staff

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