CHARGE CARDS

Below you can view charge cards in the comparison chart. Charge cards are popular in Canada and the US, yet they do require careful budgeting and you must ensure that you are able to afford the bill at the end of each month – because you will have to pay it off in full. Generally the penalties for late or partial payment of the balance of charge cards can be high, and by heading into difficulty you could damage your credit report.

Free Credit Report        Charge Cards Information

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Charge cards often carry great additional features – travel insurance, reward programs or even membership to certain exclusive clubs. Take your time and compare the cards below – remember to check for fees including the annual fee.

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American Express Business Gold Rewards Charge Card
American Express Business Gold Rewards Charge Card

Amex CardNo Interest Charges$180 p.aVariesNoCharge CardCharge CardCharge CardNo Interest ChargesNoAmerican Express Business Gold Rewards Charge Card
The American Express Business Gold Rewards Card is built for business owners. This card gives you business-sized spending power, online reporting tools, automatic discounts and rewards for business purchases!
DETAIL INFORMATION >>		Services

Services

1. Earn 1 point for every dollar in purchases charged to the Card(6). No caps.
2. Earn up to 40,000 bonus points. Every year. 15,000 points when you reach $50,000 in purchases. Another 25,000 when you reach $100,000(7).
3. Get additional Cards for employees. Earn even more points - all on your account.


Advantages

Advantages

1. 25,000 Welcome Points. Enough for a ticket almost anywhere in North America. Just purchase $3,000 in the first 3 months
2. Earn 1 point for every dollar in purchases charged to the Card. No caps
3. Earn up to 40,000 bonus points. Every year. 15,000 points when you reach $50,000 in purchases. Another 25,000 when you reach $100,000
4. Get additional Cards for employees. Earn even more points - all on your account
5. More Rewards for you or your Business. Transfer to Aeroplan®*. Instantly. 1 point = 1 Aeroplan®* mile
6. Also transfer points to Delta Air Lines and Cathay Pacific's Asia Miles and access their 27 airline partners
7. Book virtually any trip or vacation. Pay all or part with points. No blackouts
8. No fee for the First Year. A savings of $180


Disadvantages

Disadvantages

1. Annual fee of $180
2. 3.No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including your credit record, account history, and personal resources. Proof of resources and security may be required.

American Express Gold Rewards Card
American Express Gold Rewards Card

Amex CardNo interest charges$0 (one year) $150 thereafterVariesNoCharge CardCharge CardCharge CardNo interest chargesNoAmerican Express Gold Rewards Card
The American Express® Gold Rewards Card is a charge card that comes with no annual fee for the first year. Cardholders also earn 15,000 Bonus Membership rewards points after spending $500 or more during the first three billing cycles. Another benefit to membership is earning double points for every $1 in eligible purchases charged to the card. Meaning air travel, hotels, car rentals, cruises and more earn you points. Additionally, earn double points for every dollar spent on eligible gas, grocery and drugstore purchases charged to the card. One point is garnered for every $1 in Card purchases everywhere else.
DETAIL INFORMATION >>		Services

Services

Travel Perks
1. Emergency Medical Insurance (Out of Province/Country)
2. Trip Interruption Insurance
3. Car Rental Theft and Damage Insurance
4. $500,000 Travel Accident Insurance
5. Lost or Stolen Baggage Insurance
6. Flight Delay Insurance
7. Hotel/Motel Burglary Insurance
8. Emergency Card Replacement
 
Shopping Coverage
1. Buyers Assurance® Protection Plan
2. Purchase Protection® Plan
3. Fraud Protection Guarantee
 
Extras
1. Front Of The Line®
2. Online Services
3. 24/7 Personal Service
4. No Pre-Set Spending Limit
5. 1 FREE Supplementary Gold Rewards Card - a $50* value


Advantages

Advantages

1. Earn 15,000 Welcome points — that's enough for a short-haul flight
2. Charge any travel to your Card then pay for it with points
3. Transfer your points to frequent flyer programs, or one-to-one to Aeroplan®
4. Earn double points on eligible travel purchases
5. Earn double points on eligible everyday purchases
6. Your first year's on us. A savings of $150*.


Disadvantages

Disadvantages

1. As a charge card, the balance must always be paid in full each month in which case $0 in interest charges will apply. Interest rate of 30% applies to each delinquent charge from the Closing Date of the statement on which that charge first appeared.
2. Charged on the day the transaction occurs:
- Dishonoured Payment: $25 each.
-Points Reinstatement: $20 for each reinstatement through Online Services or $30 for each reinstatement through other service channels (plus applicable taxes).

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