Reward Credit Cards

In the chart below you can compare rewards credit cards. Rewards credit cards are very popular because they give the card holder a reward for usage. Of course, there are different sorts of rewards, so it is wise to choose one of the reward credit cards carefully to get a good offer. With all credit cards you will need to compare features including interest rate, credit limit and annual fees. Take your time to weigh up the reward credit cards and their offers and find the one which suits your needs the most. Different reward credit cards are available with all kinds of reward programs, so choose the card that best suits your lifestyle. Look through the reward cards below and as soon as you have found a fitting offer, click on More Info to go direct to the next easy step.

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COMPANYISSUER

ISSUER

Card Issuer

APR

APR

The term annual percentage rate describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate

FEES

FEES

Fees included with the cards

CREDIT LIMIT

CREDIT LIMIT

The limit of credit offered to you by the credit card provider

CHIP AND PIN

CHIP AND PIN

Chip and Pin facility available

CASHBACK

CASHBACK

Is cashback available on purchases

CASH ADVANCES

CASH ADVANCES

Cost to withdraw cash up to a certain limit

BALANCE TRANSFER

BALANCE TRANSFER

A credit card balance transfer is the transfer of the balance (the money) in a credit card account to an account held at another credit card company

NEW PURCHASE

NEW PURCHASE

A purchase rate is the interest rate charged on regular purchases put on a credit card. It differs from a cash advance rate in that it is lower because banks and issuers view regular purchases as less risky

REWARDS

REWARDS

Rewards Available

MORE INFO

Scotiabank American Express Card
Scotiabank American Express Card

Amex Card19.99%$39 Annual Fee, additional card holder $15Minimum Credit Limit $1,000YesNo21.99%21.99%19.99%Rewards

Rewards

• Earn 2x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment • Earn one point on all other eligible purchases • 5,000 Scotia Rewards bonus points with first purchase (Time limited offer) • Flexible Point Redemption • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.

Scotiabank American Express Card
A card with attractive rewards on travel and merchandise. Earn travel rewards up to 2x faster on every $ you spend. Apply today and benefit from exclusive travel perks and premium service.The card comes with a comprehensive travel insurance, and you get 25% off qualifying car rentals. Furthermore you receive 5000 extra points with your first purchase, which is worth $50 in travel. DETAIL INFORMATION >>Services

Services

• Comprehensive travel insurance • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages. • Receive up to 25% off qualifying car rentals • Travel emergency medical coverage is automatically provided for eligible persons for up to 8 consecutive days


Advantages

Advantages

1. Earn 2x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment • Earn one point on all other eligible purchases 
2. Extraordinary travel benefits
3. Flexible Point Redemption 
4. Comprehensive travel insurance 
5. 5,000 Scotia Rewards bonus points with first purchase. Worth $50 in travel for accounts opened (time limited offer) 
6. Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase. 
7. Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages. 
8. Receive up to 25% off qualifying car rentals 
9. Travel emergency medical coverage is automatically provided for eligible persons for up to 8 consecutive days


Disadvantages

Disadvantages

No Cash Back

Scotiabanl Learn Visa Card
Scotiabanl Learn Visa Card

Visa Card19.99%$0from $500YesNo21.99%N/A19.99%Rewards

Rewards

Ask on application

Scotiabanl Learn Visa Card
Apply now for your Scotiabank Learn Visa Card and start to enjoy up to 1% Moneyback every time you use your card. There is no annual fee and you get an up to 21 days interest free period. You can build a good credit rating with this card and benefit from the convenience of Visa payWave™: simply wave your card and go! The Learn Card was specially designed with students in mind. Application is easy and fast. DETAIL INFORMATION >>Services

Services

Online application, rewards program, supplementary cards, payWave


Advantages

Advantages

1. No annual fee 

2. Up to 1% Moneyback on each purchase 
3. 21 days interest free grace period


Disadvantages

Disadvantages

Higher interest if you miss a payment

SCENE® VISA* card
SCENE® VISA* card

Visa Card19.99%0$Ask on applicationYesNo21.99%21.99%19.99%Rewards

Rewards

• Earn one SCENE point for every dollar you spend • Earn five SCENE points for every dollar you spend at participating Cineplex Entertainment theatre or online at cineplex.com • Redeem points for free movies at Cineplex Entertainment theatres, music and other entertainment rewards

SCENE® VISA* card
Rewards on Movies, music and more entretaintment. No Annual fee. Earn one SCENE point for every dollar you spend. Earn five SCENE points for every dollar you spend at participating Cineplex Entertainment theatre or online at cineplex.com.Sign up bonus 4,000 points (4 free movies) for all accounts opened by October 31, 2014 Application is easy and fast! DETAIL INFORMATION >>Services

Services


Advantages

Advantages

1. Redeem points for free movies at Cineplex Entertainment theatres, music and other entertainment rewards
2. Get 4,000 bonus SCENE points for new account – for limited time
3. No annual fee
4. 20% AVIS rental card discount


Disadvantages

Disadvantages

No Cash Back

ScotiaHockey™ NHL® VISA* card
ScotiaHockey™ NHL® VISA* card

Visa Card19.99%$29, additional card holder $15Minimum Credit Limit $500YesNo21.99%21.99%19.99%Rewards

Rewards

• Earn one ScotiaHockey Rewards point for every dollar you spend on the card • Earn five points for every dollar you spend at SportChek and sportchek.ca • Redeem points for high end NHL or brand name merchandise, VIP NHL event experiences and more. • Save 20% off purchases at the NHL's official online store • 20% AVIS rental card discount.

ScotiaHockey™ NHL® VISA* card
Great for Hockey enthusiasts. Get Rewards on hockey and merchandise. Redeem points for high end NHL or brand name merchandise, VIP NHL event experiences and more. For limited time you get 3,000 bonus ScotiaHockey Rewards points. DETAIL INFORMATION >>Services

Services


Advantages

Advantages

1. Choose your favourite team card
2. 3,000 bonus ScotiaHockey Rewards points
3. Earn one ScotiaHockey Rewards point for every dollar you spend on the card
4. Earn five points for every dollar you spend at SportChek and sportchek.ca
5. Redeem points for high end NHL or brand name merchandise, VIP NHL event experiences and more.
6. Save 20% off purchases at the NHL's official online store
7. 20% AVIS rental card discount.
8. Low Annual Fee


Disadvantages

Disadvantages

No Cash Back

Scotia Momentum® VISA Infinite card
Scotia Momentum® VISA Infinite card

Visa Card19.99%$99 (waived for the first year for accounts opened by March 31, 2014)$5,000Yesup to 4%21.99%21.99%19.99%Rewards

Rewards

• 4% on eligible gas station and grocery store purchases
• 2% on drug store purchases and recurring bills
• 1% cash back on all other eligible purchases

Scotia Momentum® VISA Infinite card
Scotiabank offers a wide range of credit cards to suit a variety of customer needs. Their Momentum® VISA* Infinite card comes with a very attractive range of cash backs for everyday spending – get up to 4% money back for groceries, purchases in drug stores and save money at petrol stations. Application is easy and fast! DETAIL INFORMATION >>Services

Services

• VISA Infinite Complimentary Concierge Service – available 24/7
• Access to VISA Infinite Luxury Hotel Collection
• VISA Infinite Dining Series – Unique dining experiences in some of Canada’s top restaurants
• Special access to unique offers and experiences
• Rental car collision insurance
• Purchase security and extended warranty protection


Advantages

Advantages

1.Maximum cash back on everyday spending
2.4% on eligible gas station and grocery store purchases
3.2% on drug store purchases and recurring bills
4.1% cash back on all other eligible purchases


Disadvantages

Disadvantages

Annual fee $99

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Compare Reward Credit Cards

Looking for a credit card that offers rewards just for using it? Get something extra from your credit card with a Reward Credit Card.

What is a Reward Credit Card?

A reward card is essentially a credit card. Credit cards are convenient, easy and safe to use and they have worldwide acceptance. However, there is one big difference if you are looking for credit cards with additional benefits why not consider a reward credit card?

A reward credit card gives you a line of credit and financial freedom but it also gives you a variety of extras just for using the card.

Earn rewards as you spend

There are a large variety of reward programmes on the market. For regular travellers you can earn air miles and discounts on hotel stays and travel insurance. Cards that come with some great cashback programmes are also very popular. There are also cards where you earn points which you can exchange at hundreds of places and earn discounts on things like fuel and grocery shopping.

You must be careful

With a reward credit card, the more you spend the more rewards you earn. This can encourage spending so you need to make sure that you are responsible and do not get carried away.

Remember a reward credit card is still a credit card. If you miss payments the interest charges and other fees can easily accumulate and you could end up in debt if you are not careful. You could also damage your credit rating which will be used against you in the future when applying for products. If you do have a bad credit rating it is unlikely that you will be accepted for a reward credit card but if you are looking for a credit card there are poor rating credit cards especially designed with you in mind.

Reward credit cards are most suited to those who will use the credit wisely and pay off the balance each month. This is because the interest that you will pay on your outstanding debt can outweigh the value of any reward. You don’t want to end up spending more on fees and interest charges than benefitting from the rewards. These cards can be great for people who are regular shoppers but they are not suited to people who rarely use their credit cards.

Choosing the right Reward Card

The right reward card will depend on your lifestyle and what sort of rewards you want to earn. There are an abundance of reward credit cards on the market so you need to make sure you find the card that best suits you and your needs.

Use the table above to look at the different cards available. Make sure you read the terms and conditions thoroughly before applying. Some cards come with great introductory offers. However, do not just be drawn by these. Make sure you know what happens when this periods ends and that besides the rewards offered with the card, are you still getting a good deal?

Reward Credit Cards - Latest News News and Charts

How to get the most from a reward credit card this Christmas

20 December 2013
Which Way To Pay

If you spend on your credit card regularly and more importantly you are able to pay off your balance in full at the end of the month, a reward credit card could be suitable for you.

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Aeroplan members might need to make a decision on whether to get a new credit card

19 August 2013
Which Way To Pay

CIBC is taking its time on making the decision to match offer by TD to become the new reward credit cards partner.

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Luxury U.S. retailer Saks and luxury shops being planned for Vancouver, Toronto and Montreal

06 August 2013
Which Way To Pay

Hudson’s Bay is buying luxury U.S. retailer Saks Inc in a deal worth $2.9 billion.

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Reward credit cards – going shopping with extra benefits

06 May 2013
Mark Maffia

Bonus programs make reward credit cards an attractive way to pay

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Sony Reward Credit Card

25 July 2012 11:00am
Which Way to Pay

New Product! A new reward card now available for you to compare why not discover the advantages of the Sony Card? With a quick application, upon approval you can start earning Rewards Points for Sony merchandise. Become a Sony Card Member and get 2,000 Sony BONUS POINTS.

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