园友十二少：5大银行信用卡比较

致谢：园友十二少，总结的五大银行的信用卡特点。原文请点击这里。
提示：因为涉及原创作者版权，未经作者允许，请勿转载。。

加拿大家园,www.iask.ca

把5大银行的信用卡产品做了一个比较，贴出来和大家SHARE一下。

信用卡按针对客户群分类，可分如下几类

家 园 新 闻

一、经常出差、旅游想用卡积累里程的用户 u.i a s k.c a

ScotiaGold Passport

$110 annual fee/$30 additional card fee

iask.ca

$1=1 point

家园温哥华,vancouver.iask.ca

Interest rate 19.5%

5% cash back on travel purchase www. iask. ca

Reward options: merchandise, investment, travel purchase

*Scotia还有一种no-fee ScotiaGold VISA可以选择 u.i a s k.c a

RBC VISA Gold preferred 爱问搜索,m.i a s k.ca

$110 annual fee/$40 additional card fee 家园网多伦多,toronto.iask.ca

$1=1 point 家 园 网

no cash back on travel purchase 本文 来 自 家 园 网

Reward options: merchandise, investment, travel purchase 加拿大家园,www.iask.ca

insurance coverage 爱问搜索,m.i a s k.ca

TD First Class Travel Infinite

i a s k . c a

$120 annual fee/$50 additional card fee

$1=3 points purchases u.i a s k.c a

$1=9 points on travel purchases with TD

家 园 论 坛

no cash back on travel purchase

i a s k . c a

Reward options: travel purchases

redemption in 10,000 points increments

Limited insurance coverage 加 拿 大 家 园 网

CIBC AeroGold 家园论坛,forum.iask.ca

$120 annual fee/$50 additional card fee

$1=1 mile 家园论坛,forum.iask.ca

$1=1.5mile on gas, drug stores and grocery u.i a s k.c a

no cash back on travel purchase

本文 来 自 家 园 网

15,000 points for short haul flights

Reward options: merchandise, investment, travel purchases 园友录,u.iask.ca

BMO Mosaik Air Mile MC

爱问搜索,m.i a s k.ca

$90 annual fee/$15 additional card fee

家园温哥华,vancouver.iask.ca

$15=1 Air Mile

Cash back available for a fee u.i a s k.c a

Travel Restrictions: Round trip only, Saturday stay over, Advance booking

家园论坛,forum.iask.ca

Limited insurance coverage 家 园 论 坛

二、Cash back即返现金的信用卡

Scotia Momentum VISA

$39 annual fee/$15 additional card fee 本文 来 自 家 园 网

2% Cash back on gas, groceries, drug stores and recurring payments; 1% cash back on other purchases

家 园 新 闻

Interest rate 19.99%

No min spend/Maximum 25,000 at 2%

Purchase Security I A S K

Extended Warranty Protection 爱问搜索,m.i a s k.ca

*Scotia还有一种no-fee Scotia Moneyback VISA可以选择

RBC u.i a s k.c a

RBC没有cash back card 家园论坛,forum.iask.ca

TD Gold Elite VISA 家园新闻,news.iask.ca

$99 annual fee/$39 additional card fee I A S K

1% cash back on purchases

加国中文搜索,www.iask.ca

No min spend

爱问搜索,m.i a s k.ca

Purchase Security

家园新闻,news.iask.ca

Extended Warranty Protection

Lost luggage and Rental car 家园温哥华,vancouver.iask.ca

Budget Rent a car Preferred rate

家 园 网

CIBC Platinum Dividend iask.ca

$79 annual fee/$30 additional card fee 家 园 论 坛

Up to 2% cash back on purchases 家园论坛,forum.iask.ca

Must spend $35,000 to earn 2%

家园新闻,news.iask.ca

Maximum $50,000 spend

I A S K

Purchase Security

Extended Warranty Protection

家园新闻,news.iask.ca

Travel Medical Ins/Rental car discount

BMO Mosaik Premium i a s k . c a

$49 annual fee/No additional card fee 家园温哥华,vancouver.iask.ca

3% cash back at Shell gas stations

加 拿 大 家 园 网

1% cash back on purchases elsewhere

3% cash back capped at 2,500/mth 加拿大家园,www.iask.ca

Purchase Security u.i a s k.c a

Extended Warranty Protection

Lost luggage and Rental car

*除了5大银行外，其它FINANCIAL INSTITUTIONS也有类似的CASH BACK 信用卡发布，比如AMERICAN EXPRESS, MBNA

iask.ca

三、Low Rate即低利率的信用卡（个人认为华人或许并不看重这一Feature,但是对很多Local people，他们把信用卡当小额短期贷款，这个低利率可是很重要的）

家 园 新 闻

Scotia Value VISA

家园温哥华,vancouver.iask.ca

$29 annual fee/No supplementary card fee

Interest rate 11.49% 加拿大 家 园 网

Up to 20% discount at AVIS Rental car

*Scotia还有一种no-fee Scotia Value VISA可以选择

RBC Classic Low Rate VISA 家 园 论 坛

$20 annual fee/No additional card fee 家 园 网

Interest rate 11.9% u.i a s k.c a

Purchase Security 家 园 新 闻

Extended Warranty Protection

家 园 论 坛

TD Emerald VISA 家园论坛,forum.iask.ca

$25 annual fee/No additional card fee

u.i a s k.c a

TD prime+1.9% to 6.9%

Budget Rent a car Preferred rate 本文 来 自 家 园 网

CIBC Select VISA 家 园 新 闻

$29 annual fee/No additional card fee(max 3)

Interest rate 11.5%

100,000 Common Carrier Accident Insurance 家园新闻,news.iask.ca

20% discount at AVIS Rental car

BMO Low Rate Plan 家园新闻,news.iask.ca

$35 annual fee/No additional card fee

Interest rate 11.9% 家 园 网

Air miles:$40=1 Air mile or

1.5% cash back Shell Gas 0.5% all others

Purchase Security

Extended Warranty Protection

www.iask.ca

四、适合学生的信用卡 加国中文搜索,www.iask.ca

Scotia L’earn VISA

家园论坛,forum.iask.ca

No annual fee 加 拿 大 家 园 网

Interest rate 18.59% 园友录,u.iask.ca

Cash back 1%: first $500 0.25%, next $500 0.5%, then 1% I A S K

Up to 20% discount at AVIS Rental car

RBC Classic II Student VISA www.iask.ca

$15 annual fee

家园温哥华,vancouver.iask.ca

Interest rate 19.5% 加拿大家园,www.iask.ca

Purchase Security 加拿大家园,www.iask.ca

Rewards program I A S K

$1=1point

本文 来 自 家 园 网

Thrifty Rental car discount

Extended Warranty Protection 家园温哥华,vancouver.iask.ca

TD Rebate Rewards VISA

加拿大家园,www.iask.ca

No annual fee 加 拿 大 家 园 网

Interest rate 19.75% 爱问搜索,m.i a s k.ca

Cash back: first $3000 0.5%, over $3000 1%

Budget Rent a car Preferred rate 家 园 新 闻

CIBC Classic Student VISA

No annual fee

i Ask . ca

Interest rate 18.5%

加 拿 大 家园网

Purchase Security

Extended Warranty Protection iask.ca

100,000 Common Carrier Accident Insurance iask.ca

20% discount at AVIS Rental car

家园论坛,forum.iask.ca

BMO Student Mosaik MC 家园论坛,forum.iask.ca

No annual fee i Ask . ca

Interest rate 19.5%

$40 Purchases=1 reward mile or

加拿大家园,www.iask.ca

BMO Student Cash Back MC: 0.5% cash back, 1.5% cash back at Shell Gas Stations

五、其它

各大银行会推出有自己特色的信用卡，比如SCOTIABANK 的 SCENE VISA, 使用信用累积积分可以换电影票。NO-FEE, INTEREST RATE 19.5%, 很适合喜欢电影的朋友。

家园新闻,news.iask.ca