CARDS

Welcome to the card area of the site. Choose between a wide variety of credit card types – from reward cards, traditional cards and premium cards, you're sure to find one that suits you. To go direct to the card comparison page, click on the link below.

Credit Cards

Choosing a credit card can seem like a massive job – there are so many card companies and types on the market today each with their own offers and deals. By using Which Way To Pay Canada you can view the main credit card companies listed out clearly. You can compare what features are unique to each company and what a card costs.

Have a look at important factors when order credit cards like the borrowing rate – the APR (Annual Percentage Rate). Next, compare balance transfer fees and APR and if there is an annual fee. Many card companies offer special features like air miles earned each time you spend money with the card. Take your time to find the perfect deal.

Credit Cards
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Secured Credit Cards

If you have in the past had financial difficulties or are a recent immigrant to Canada with little, no or a bad credit history, it is often hard to get approved for a credit card. If this is similar to a situation you are in, secured credit cards could be the answer you are looking for.

A secured credit card can help you to establish or rebuild your credit and at the same time give you the freedom and convenience of access to credit when you find that you need it most. A secured credit card is secured by funds you deposit with the provider which is used as collateral. Your credit limit would be determined by the amount of security you deposit to receive the card and access your credit.

Secured Credit Cards
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Reward Credit Cards

Spending and receiving rewards for doing so – sounds like a great idea! Rewards credit cards are very popular in Canada, and there are a great many to choose from. Rewards cards are just like regular credit cards – use them anywhere around the world to pay for goods and services, and withdraw cash from ATM machines – but with the added bonus that you can collect points to redeem at selected retailers.

Popular types of rewards cards include those with are connected to an airline or petrol chain; collect enough points and you could even win a flight or full tank of petrol! Reward cards are usually available for every kind of budget but you may need to have a good credit history to get an offer. If you have problems with your credit score, try poor credit rating credit cards (also compared on Which Way To Pay).

Reward Credit Cards
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Business Credit Cards

Regardless of the size of your business, it is likely that you require a good way to manage your business-related finances. Large corporations use business credit cards to control expenses across a large number of employees and regions, yet even small businesses can benefit from better cash management and a dedicated business credit card to control spending.

Business credit cards are widely available in Canada and the US, and card firms offer an excellent range of types – to suit all needs. Use the card to pay for any business-related matters (new equipment, services used etc) so that you can separate business and other expenses, or use a number of cards if you have several employees. Control how and where they spend with account management and expense reports, often offered together with business credit cards. You may even find a card with extra benefits, including cashback programs or reward schemes.

Business Credit Cards
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Charge Cards

Charge cards are often confused with regular credit cards – some people even exchange the terms to mean one or the other. However charge cards are not exactly the same as credit cards, even if they do share many similarities.

Charge cards are designed for people who can manage their money well – the card holder is required to pay their balance in full at the end of each month. As such, they receive either no or a higher credit limit and can enjoy more financial freedom. Yet while a regular credit card holder can pay a part of their balance each month, the charge card holder must pay it in full – and on time. Charge cards carry many great benefits but they may be more suited to people with a higher income and a good credit score.

Charge Cards
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Poor Credit Rating Credit Cards

When a poor or bad credit rating stands in your way, you can take steps to change the situation. Aside from seeking advice and guidance on paying off debt, you can find products designed and aimed specially at you. So, even if you have a low income, have debts to your name or are in another 'undesirable' category (including self employed or unemployed), you could still get a credit card.

Poor credit rating credit cards usually carry special features to help you: the most important one allows you to build or re-build your credit rating. With clever management of the card you could improve your record and your future chances of being accepted for other loans and credit cards. Cards for people with a poor credit rating often send out reports to the main credit bureaus on a regular basis, so that the message is spread out there – you are getting better and you are capable of managing your finances!