Author Posts: GreedyRates

Don't fall prey to bad lenders! Learn how to avoid the predatory tricks you might encounter when looking for Canadian loans and find quality alternatives.

We give you the top Canadian credit cards for fair credit with low annual fees and interest rates, high cashback, and reward levels. Read on to learn more.

Take a look at what the Scotiabank Scene Visa card has to offer you including a sign-up bonus offer of 4 free movies - all with a no annual fee! Find out more on this review including its rewards structure and how it competes with its rivals.

Read our taxpayer-friendly guide for the ins and outs of how capital gains are taxed in Canada. Are you missing an opportunity to reduce your CRA payment?

Our review takes a deep dive into the RBC Visa Classic Low Rate Option and compares its interest rates and extra features to competing cards. Is it worth an annual fee?

The PC Financial Mastercard is a great option for cardholders who enjoy saving on their common purchases, and then using rewards to offset the same purchases later. This is the strong suit of PC’s Mastercard, in which some of the best brands in Canada are attached to its ecosystem.

If you are considering cosmetic surgery, for whatever reason, and would like some financial help, there are loans available for you. Read and find out which could best suit your needs.

How can you know if an installment loan is right for you? Where do you get an installment loan? What are they used for? Click here to get answers

There are many different travel rewards credit cards on offer to users with good credit, but they aren't all the same. Discover all you'll need to know about the perks and drawbacks, earn rate, and restrictions on using the BMO Ascend World Elite Mastercard in our review.

Learn exactly what steps you should take to successfully get a higher credit limit from your current card issuer, or for a new card you plan to get in the near future.

This loan calculator can tell you how long it will take for you to pay off your loan and the total amount of interest you’ll pay over the loan’s term.

If you're in need of a quick loan where you get approved and funds are received in 24 hours, you have options. Read to make sure you choose the right lender

Guaranteed approval is a major asset for applicants with weaker credit. Capital One’s Guaranteed Mastercard® assures that applicants will be approved for either an unsecured or secured version of the card, as long as the applicant meets some very basic requirements.

Those who are in need of credit but who have a low credit score can get a reprieve from the Capital One® Guaranteed Secured Mastercard®. The card offers purchasing power and the chance to improve a credit score over time, provided the cardholder is responsible with their payments.

Capital One offers a range of credit cards, from those aimed at borrowers with bad credit history to cash back and reward earners. Our review of the best Capital One Credit Cards for 2023 helps you choose the Capital One credit card that suits your lifestyle and financial circumstance.

Capital One’s Aspire Travel™ Platinum Mastercard® is a comprehensive travel card that offers superior flexibility and earning power, without the nuisance of an annual fee. Cardholders can earn and redeem rewards according to their preferences while benefiting from basic insurance protections.

For cardholders with weaker credit and a need to escape high interest, there are few better solutions than Capital One’s Low Rate Guaranteed Mastercard®. The issuer even added some perks that help cardholders save more money, and it’s all available for a reasonably low annual fee.

The Marriott Bonvoy Credit Card is the new Ame SPG card. Find out how it compares to its previous offer and see in our review all this card has to offer for Canadians who enjoy travel and quality hotels.

The CIBC Aerogold Infinite Visa is a decent option for Canadian travellers who love flying with Air Canada and within the global Star Alliance network. Its introductory bonus, earn rates and Air Canada perks are passable, but overall the card doesn’t stand out compared to its Aeroplan competition.

Many Canadians use RBC credit cards because of their familiarity with RBC as a bank. But are RBC cards truly competitive today? Read our article to find out.

Looking to get the most from a credit card? Find out which sign up bonuses are taking the cake and getting you exactly what you need from a credit card.

Discover all you need to know to choose the best rewards credit cards Canada has to offer. See how you can earn awesome rewards just by swiping your card!

A full package of insurance benefits, protective perks for new purchases like mobile devices, and price protection is complemented by fast cash back with the Meridian Visa Infinite card. Though the annual fee is a bit steep, the card brings excellent value overall.

Compare the best CIBC credit cards in Canada with a side-by-side look at their rewards and cashback levels, interest rates, and other standout features.

Scotiabank has some of Canada’s most innovative chequing accounts. Learn more about the best Scotiabank chequing accounts for 2023.

Scotiabank can enable you to save money while offering you attractive rates with the Savings Accelerator and Money Master accounts. Read our review to find the benefits of savings vs chequing rates and choose the right product for you.

The Royal Bank of Canada is a well-established bank with financial products that can suit nearly any individual. Credit cards are no exception, and RBC offers several fine cards that cater to the unique shopping and spending habits of Canadians everywhere, with the best of the bunch listed here.

Walmart is a retail powerhouse thanks to its convenience, low prices, and proximity to nearly every Canadian. Though the company already does its part to help people in Canada save money, picking a suitable and advantageous credit card for shopping at Walmart can make your money go even further.

Get insight into which credit card will earn you the most cash back, rewards, and additional benefits when you shop at Costco in Canada.

We'll weigh all the pros and cons of TD Visa credit cards, and all their offerings, so that you can make the best choice possible for you.

Desjardins is a credit union of Quebec origin that’s now known across Canada. Their credit cards are popular due to their inclusion of travel insurance, mobile device insurance, and options to earn Bonusdollars. Choose the best Desjardins credit card for your needs with our comprehensive review.

The Desjardins Modulo® Visa card is a great option for those who need an all-encompassing low rate on purchases, balance transfers, and cash advances. Cardholders will also enjoy insurance and protective benefits, and the ability to earn BONUSDOLLARS as well, making the card truly special.

The True Line Gold Mastercard reduces interest rates for those with high levels of credit card debt, offering a rare 1-2 punch of low-interest balance transfers and low interest on purchases. Do these features justify its $39 annual fee? See more on this review.

Read our review for a breakdown of the TD Rewards Visa Card’s benefits and drawbacks, as well as a comparison to two other worthwhile rewards cards with no annual fee.

The CIBC Air Canada AC Conversion Visa Prepaid card is a great way for frequent travellers to save. Capable of holding up to $20,000 spread between up to 10 currencies, it’s an easy and inexpensive way to make your next business trip or vacation a frugal, worry-free experience.

We review all the important features of the Home Trust Preferred Visa, an excellent no annual fee credit card with benefits for making purchases both in Canada and abroad.

Compare the different credit cards offered by BMO and find out which card is the best in each category. What are the cards’ strengths and weaknesses?

The new Rogers World Elite Mastercard is a tempting option for consumers looking for a credit card that offsets foreign transaction charges. With no annual fee and attractive premium perks, it’s a welcome addition to the Canadian credit card landscape.

We’ve narrowed down the best cashback and rewards credit cards for saving money on groceries, including cards with no annual fee and cards for saving at Costco and Walmart.

Tangerine bank's savings accounts have a lot to offer Canadians, but are they the best to get? Read our article to see whether Tangerine really is the best choice.

Discover the best MBNA credit cards on the market so that you can choose the one that suits your needs, whether you’re looking for big rewards or low fees.

Get an in-depth look at the best Canadian Amex cards and compare fees, bonuses, rewards/cashback rates, and other features that potential cardholders should know about.

Learn everything you need to know about Canada’s many savings account options with our start-to-finish guide.

We’ve carefully compared the fees, interest rates, and rewards of all the Visa credit cards in Canada and narrowed the pile down to the best card in each category.

Scotiabank offers a plethora of perks in their products and their credit cards are no different. Find out which card is right for you and what perks you'll enjoy!

With up to 5 points per $1 spent and 1:1 points transfer with selected hotels and airlines, the Cobalt is one of the best rewards cards out there.

The RBC Visa Infinite Avion credit card positions itself among the top travel insurance credit cards in its league. This review will cover the card's rewards structure, insurance coverage, and more features you can benefit from.

Online banking in Canada is so widespread that we now spend more time on our bank’s online portal than in our neighborhood branches. Canadians of all ages are moving to online chequing and savings accounts, enticed by the ease of access, lower fees, and higher interest rates on offer.

These secured and unsecured credit cards can help new immigrants to Canada build strong credit scores in a short period of time.

Regulating your cash flow can be a tough task, but an essential one if you want to gradually save money and improve your financial wellbeing. Thankfully, with the right credit tools and a little effort, building a reliable cash flow plan is easily within reach.

There’s a widely-held belief that making the minimum credit card payment each month will improve your credit score quickly. Is this really accurate? Are there any benefits to making the minimum monthly payment vs. paying off credit cards fast and in full?

Looking for a good low interest credit card? Read our full review and find out if the Scotiabank Value Visa Card is the right card for you.

The Home Trust Secured Visa card is especially designed to help consumers with a need to rebuild or reestablish credit. You will find in this review approval conditions, security deposit, fees and other benefits.

Have you wondered, Does checking my credit score hurt my credit? We’ll explain what affects your score and the difference between soft and hard checks.

Credit card churning allows you to grab multiple cards’ sign-up bonuses without paying fees. How do you churn successfully? What are the best cards for churning?

Has Chase pulled the plug on its traveller-friendly Canadian credit cards? Which Canadian travel cards will fill the void?

If you are looking to get out of a large credit card balance and still pay a significantly low interest rate on new purchases, look no further, the American Express Essential card will answer your needs. Find out more on this review.

Getting your finances back in order after a bankruptcy is important in every aspect, but it's especially crucial to fix bankruptcy's devastating impact on your credit. Find out the five best ways you can revive your credit score after a tough bankruptcy or consumer proposal.

Get superior cash back and travel features alike, hitting two birds with one stone thanks to the RBC Cash Back World Elite Mastercard. Premium travel insurance and a flat 1.5% cash back is hard to top.

The Scotiabank American Express travel card offers a wide range of benefits which will enable customers to redeem their points both at home and abroad. Find more on this card's rewards structure and insurance protections in this review.

American Express Canada is updating its premium cashback card & we all get to enjoy 2% base rewards on EVERYTHING! See what's new about it in this review.

No one likes paying unnecessary annual fees on credit cards. Read on to find out some tips and tricks on how to avoid them.

Whether it comes from lightning fast rewards, a generous welcome bonus, or a companion voucher, flying for free in Canada is within your grasp thanks to the industry's best travel credit cards.

Our review takes a look at the ECHO card’s strengths and weaknesses and compares it to other cashback cards. Is the ECHO card good enough to justify its annual fee?

Discover the top Canadian credit cards offering the rare price protection perk. What are the ins and outs of this feature, and how do different cards’ policies compare?

Banks may have the money and manpower, but there are still ways to take advantage of them. Explore the credit card hacks that savvy cardholders use to get extra value from their plastic today.

WestJet's impressive World Elite Mastercard offers travellers a plethora of perks including an annual companion flight voucher and free checked bags, plus a fast rate for earning WestJet Rewards.

The World Elite line of credit cards just got a little bit more elite, with Mastercard bumping up its minimum income requirement to $80,000 personal or $150,000 household income. Is this good or bad?

Marriott Rewards is showing the market that it's the most robust hotel rewards program out there, with the impressive Rewards Visa card featuring no foreign transaction fees, free nights, and much more.

Balance transfers are one of the most effective ways to lower the cost of your credit card debt. Find out the right and wrong way to transfer your balance.

Scotiabank’s Gold American Express card underwent substantial changes recently, including the addition of new earn categories and the elimination of foreign transaction fees. Read our review to see if the updated card is the right travel card for your lifestyle.

Get all the details on the Rogers Fido Mastercard’s domestic and foreign rewards rates, rewards redemption process and welcome bonus.

Your Canadian credit card debt doesn't have to be crippling. Learn how to pay off credit cards faster and cheaper with a very simple, aggressive strategy.

Find out which Canadian credit card combinations maximize your rewards and cash back levels most effectively.

Air Miles' points expiration had its customers up in arms, and with good reason. Find out more about what exactly went wrong with its controversial policy.

The PC Financial World Elite Mastercard is one of the richest no annual fee rewards card on the market. Read our review to learn more.

We invited Sol to do a Q&A with GreedyRates to help us understand the secrets to maximizing the value of the program. The result is a masterly dissertation on how to squeeze hundreds, if not thousands, of dollars out of WestJet EVERY year.

Fly for free, or at least with a hefty discount, by taking advantage of the best companion fare deals offered by Canadian travel credit cards today.

Finally, Apple Pay makes its way from being exclusively available to Amex to benefitting other cardholders. Members of RBC, CIBC, and more can now use the touchless payment feature, with other banks to follow.

Find out all you need to know about the BMO Air Miles Mastercard in this review including its rewards structure, and analysis on how to save up for your next trip with this card and how it compares to its competition.

Canadian credit card points, miles and cash back may be taxable according to the CRA in certain cases.

Squeezing the most Aeroplan Miles from your spending and redeeming them for the highest value possible is easy, but only if you consider these expert tips supplied by airline industry insiders.

For cardholders making frequent purchases in a foreign currency it's vital to compare Mastercard and Visa, which impose different fees, exchange rates, and other conditions that make a sizeable difference.

TD is making some long-awaited upgrades to its insurance features, including increased medical coverage and new trip interruption and cancellation benefits for upper-tier credit cards like the TD Aeroplan Visa Infinite.

The Scotia Momentum Visa Infinite is one of the top cash back cards in Canada for earning back on groceries and recurring bills. Read our expert's review to learn more.

The SimplyCash® Card from American Express offers both a no fee and competitive cash back rate money-saving options for Canadian consumers. See how it compares to its competition and get a complete analysis of its features and perks in this review.

If your bank is deploying any of the tricky and punitive tactics listed here then it may be up to no good. Learn to spot for yourself when things aren't as they seem, even with your bank or card of choice.

Credit card balance protection, balance insurance, or whatever it might be called should you ever encounter it can be politely, yet firmly declined. Read on to discover why.

Maximize the value you get from spending and redeeming your credit card rewards with our expert tips.

Like using Expedia? Fly frequently? TD's First Class Visa card is the most rewarding & flexible credit card in Canada for you. Here's why...

We take a look at the TD® First Class Travel® Visa Infinite* Card, which earns tons of reward points for spending on Expedia For TD. Does that offset a $120 annual fee?

Scotia's acquisition of Sears Canada's credit card portfolio from Chase has some important implications for Scotia and Sears customers alike. Learn about what the deal means and how it might affect you.

Tangerine now has one of the most unique credit cards on the market, giving you the ability to choose the purchase categories where you earn an accelerated cash back rate.

Sometimes credit cards with fees can end up earning you more rewards than free ones. Learn how to tell if the card fee you're paying is really worth it.

Thinking about switching to a new credit card? It's about more than the rewards or the fees--you should also consider your credit and other concepts that might have been neglected before filling out the application.

Eliminate interest payments, reduce your spending, and fly for free with these bank-beating credit card secrets that those in the know usually keep hush-hush.

Though banks and card issuers take measures to defend their customers against fraud, implementing your own strategies and knowing what to look for make a big difference. Here are the schemes you need to know to avoid your information or money being stolen.

We all know it takes time and effort to boost your credit score, but that doesn’t mean you can't make significant strides in as little as 4 weeks or less by utilizing these beneficial strategies.

Getting a free credit score in Canada or accessing a credit report is a simple process that will greatly enhance your understanding of how lenders and other institutional entities view your finances. Learn about the simple process for requesting your Equifax or TransUnion report today.

You don't need to stay stuck with a low credit score. Read on to learn 7 simple tricks that can help you improve your score.

Read our review of the BMO CashBack® World Elite®* Mastercard®* to find out if its high cash back rate on groceries makes up for its strict spending limits..

What's a credit card grace period? One may assume it's simply the time a cardholder has to pay a balance before interest is applied, but in some cases it's a bit more complicated, and you'll need to know when and why.

Capital One is saying 'sayonara' to its Aspire Travel World Mastercard, and replacing it with the shiny new Aspire Travel World Elite. The move could be due to Mastercard's interchange rate decrease, but it's still inconclusive.

Desjardins is on a roll in Canada, and has recently purchased the Best Buy credit card portfolio, meaning that Canadians loyal to both brands have a lot to look forward to in the coming years.

It's not uncommon for a bank to raise interest rates on its credit cards, or just for individual cardholders, but you're not defenseless! Learn to avoid, anticipate, and resist the boosting of rates with this guidance.

Store credit cards, while frequently advantageous, should be applied for and used with caution. Here are the nuances of store credit cards that responsible consumers should be aware of.

Costco's recent partnership with Capital One for its exclusive membership card may be ill-fated. Find out why Costco could do better, and learn about some of the best Costco card alternatives.

If you don't have a credit card, you may have good reason, but these days it befits virtually all Canadians to keep one handy. Credit cards are a must have for travel, creditworthiness, payment flexibility and inexpensive financing.

Find out which Canadian credit cards offer the most comphrehensive terms for extended warranties and purchase protection. Did your card make the list?

If you only read one article to get tips on how to use credit cards effectively, read this one.

Costco ended a partnership with American Express as its credit card issuer. Find out what obstacles and opportunities this presents for customers and competitors.

Can you access no-interest loans in Canada? Unfortunately, no. But there’s a close alternative: Pairing a cash advance with a low-interest balance transfer.

Hone your financial wherewithal with the ten most enlightening books on money, credit, and other easy-to-grasp yet hard-to-master financial notions, all conveniently listed for your reading pleasure.

Credit utilization ratios, grace periods, and other crucial variables that influence your credit score must always be considered if you want to be a responsible and creditworthy cardholder.

Here's the credit-building blueprint for new immigrants to Canada, helping you establish a credit history in the shortest amount of time possible.

Credit requires responsibility, which naturally means that there are many ways to mess up and ruin it. Don't make the common, yet highly avoidable mistakes covered in this brief article.

It's well known that avoiding fees is a significant contributor to your overall savings, but some fees are worse than others. Here are the biggest and baddest fees hitting Canadians wallets and bank accounts right now.

A collection of 10 of the funniest credit card commercials ever, including Priceless spoofs, Mastercard Mascots, Cap One Vikings, Discover Transfer

We've scoured the marketplace and assembled the most impactful and realistic list of 5 budget saving tips that can save you over $5,000 quickly and easily!

Take a comprehensive look at the CIBC Aventura® Visa Infinite* Card’s sign-up bonus, rewards rates, lounge access and other features to see if it’s worth its annual fee.

Rewards and loyalty programs are among the best ways to get something back for all the time and money spent with Canada’s favourite brands, and the best of the best are all here to explore.

In disappointing news for Canadian Cash Back card fans, Capital One Canada has pulled its richest cash back credit card off the shelf.

Here are the actual interchange rates being charge by Visa and Mastercard to merchants by credit card type and merchant category

RCMP Warns of Fraudsters Calling Cardholders and Impersonating Their Banks Security and Fraud Department