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Tips & Hacks

Are Credit Card Perks & Benefits Worth The Fees?

credit card perks

While many of us avoid credit cards with annual fees, some credit cards carry perks and benefits worth far more than their annual fee. In fact, some Canadian cards can offer people $1,000’s in hidden benefits. Beyond juicy rewards and tantalizing 0% introductory rates, for a mere $120 annual fee, you could get a companion ticket to Hawaii every year, travel ... Read More »

Reboot Your Credit Score in 4 Weeks or Less

free credit score and report

Improving your credit score doesn’t have to be a hurculean task. In fact we think within 1 month, you can do what’s needed to put your credit report on track for an awesome credit score. With minimal effort, you can raise your credit score and get access to cheaper mortgage rates, higher lines of credit, the best credit cards and ... Read More »

Manage Your Credit With a Free Credit Score Canada

free credit score canada

Establishing a good credit score in Canada is easier than you think. A good credit score always begins with smart spending. Be responsible, watch your accounts and know a few rules of thumb. Your credit score will determine whether you get approved for the credit card, mortgage, line of credit, or car loan you’re looking for. It can make the ... Read More »

5 Ways To Improve Your Credit Score!

improve credit score

So you want in on some of Canada’s latest and greatest rewards credit cards, annual fee waivers and free flight offers. You have the income, but for some reason, your credit score just isn’t up to snuff. Here’s a few tips to improve your credit score and get it cracking the 700+ barrier. Improve Your Credit Score 1. Don’t Max Out ... Read More »

5 Ways to Play The Rewards Game and Beat The Banks!

credit card tips and tricks

Ok, so you want to get a rewards credit card and take advantage of all the incentives Canadian banks are now offering to have you choose their card. Here are a few tricks you can play to get a leg-up on the banks: 1. Bonus Point Surfing: Most credit card issuers are offering significant welcome bonus points (i.e. 15,000-30,000 points ... Read More »

Harley-Davidson MasterCard – Win A Free Motorcycle!

Harley-Davidson Canada

You could be one purchase away from winning a FREE Harley-Davidson motorcycle! For all you Harley enthusiasts, the no annual fee MBNA Canada Harley-Davidson MasterCard automatically enters you into a quarterly Harley-Davidson motorcycle draw for each purchase you make on the card. That’s four bikes per year! Harley cardholders automatically get entered into a quarterly draw each time they make a ... Read More »

Tired of Paying 29.9% on Your HBC MasterCard? Cut it to 0%.

HBC MasterCard

Are you tired of paying a 29.9% interest rate on your HBC MasterCard or store credit card? You should be, it’s an exhorbitant amount of interest. The good news is, there are plenty of alternatives. We’ve found several solutions, that will allow you to cut your interest rate down to 0% for 12 months, hopefully giving you the time you ... Read More »

5 Ways Store Credit Cards Can Hurt You

store credit card

Have you ever signed up for a store credit card just to get a discount on a purchase or to get 0% financing for 12 months? We see it every day at stores like Ikea, Sears, Home Depot and The Brick. On any given day, a sales associate could ask you if you want to save an additional 10% by ... Read More »