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Credit-card rewards in Canada, with the math shown and the banks’ own pages screenshotted. No affiliate links anywhere.

Credit Card Churning 101

I booked an Air Canada Business Class seat from Montreal to London and paid just $80 in taxes and fees. The same seat in cash was $5,895.

September 7, 202610 min read

How to Build Credit With a Credit Card

Pay only the minimum on a $2,000 card balance and you hand the bank $793 in interest over almost four years.

November 1, 20268 min read

How Credit Scores Work

One late credit card payment can stay on your credit report for up to 6 years. The fix is boring: pay on time and keep your balances low.

November 1, 20268 min read

Best Card for Newcomers: RBC Cash Back, $200 bonus in your first 3 months, no credit history needed

The Best Credit Card for Newcomers

New to Canada with no credit history? RBC's newcomer offer gives you a no-fee Cash Back Mastercard and $200 in extra cash back in your first three months.

October 28, 20268 min read

Best Card for Students: BMO Student CashBack, $130 back a year, no fee

The Best Credit Card for Students

A typical student budget, $610 a month, earns $130 a year on the BMO Student CashBack Mastercard. It has no annual fee, and student loans count as income.

October 28, 20267 min read

Canadian Tire Promo Code? None right now. The last bonus paid $150 in CT Money, so wait for the next one. Triangle World Elite Mastercard

Is There a Canadian Tire Mastercard Promo Code?

There is no Canadian Tire Mastercard promo code, and no sign-up bonus running right now.

October 28, 20264 min read

TD First Class Card of the Month: 180,000 TD points in year one, $900 in travel on Expedia For TD, year one free

TD First Class Travel Visa Infinite

Spend $1,250 a month for six months on the TD First Class Travel Visa Infinite and you end up with about 180,000 TD points, worth $900 in travel.

October 24, 20269 min read

What Is a Secured Card? No credit? Start here. $0 fee to build credit, with the Capital One Guaranteed Secured Mastercard

What Is a Secured Credit Card?

The secured card I'd pick costs $0 a year. You give the bank a deposit, it gives you a real credit card, and you start a credit history from zero. Here is how.

October 17, 20269 min read

Spending abroad: $20,000 on a trip, no foreign fee, $500 kept versus a typical card, with the Capital One Quicksilver World Elite Mastercard

Best Credit Card for Spending Abroad

Spend $20,000 abroad on a typical Canadian credit card and the bank keeps about $300 more than it gives back.

October 17, 20267 min read

Neobanc pays 1% on rent. No credit card needed. What's the catch? $300 back a year on rent

Neobanc Pays 1% on Rent. What's the Catch?

Neobanc pays me 1% on my rent for sending it an e-Transfer. On $2,500 a month that is $300 a year, with no credit card and no fee.

September 26, 20267 min read

4% on rent ends next month: the Scotia Momentum drops to 1% on rent, $300 back a year if you move it, with the Scotia Momentum Visa Infinite

4% on Rent Ends Next Month. Now What?

My rent is about $2,500 a month. Today I pay it through Chexy on the Scotia Momentum Visa Infinite+, and it pays me $675 a year.

September 26, 20267 min read

Best card for Costco: the Rogers World Elite in the warehouse, $240 back every year with no fee, with the Rogers Red World Elite and CIBC Costco Mastercards

The Best Credit Card for Costco

I put $1,000 a month through Costco and my Rogers World Elite pays me $360 a year for it.

September 26, 20268 min read

The Rogers World Elite Is Changing

My $200 of Rogers cash back is worth $300 until November 18. After that, $200. Here is what is changing and what I am doing about it this week.

September 16, 20268 min read