Posts by Barry Choi
Does Cancelling a Credit Card Affect Your Credit Score?
Cancelling a credit card is a decision that many individuals face, often wondering how it may impact their credit score. This is especially true for anyone who has received the welcome bonus and doesn’t want to pay the annual fee again. Closing a credit card can affect your credit score, but it depends on various…
Read MoreTD First Class Travel Visa Infinite Card Review
My TD First Class Travel Visa Infinite Card review may surprise some people. I think it’s a great all-around card, and TD Rewards is a good program despite how basic it is. Admittedly, this card doesn’t come with a ton of travel benefits, but that doesn’t mean it’s not a good travel credit card. Truth…
Read MoreAvion Rewards: Maximizing Points and Perks for Canadians
Avion Rewards is Royal Bank of Canada’s (RBC) loyalty program designed to make earning and redeeming points straightforward for Canadians. As an Avion Rewards member, you can easily collect points through your everyday purchases. Plus, you get flexible redemption options, including travel, merchandise, and financial rewards. By learning how the program works and making informed…
Read MoreAeroplan partners with Chexy to Enhance Rewards for Canadians
Aeroplan has announced a new partnership with Chexy. That means you can now earn Aeroplan points on recurring bills such as rent, utilities, and even tax payments. This is relevant because Chexy helps you accumulate travel rewards on payments that usually wouldn’t earn you anything. With Chexy joining Aeroplan’s roster of partners, such as Starbucks,…
Read MoreCIBC Aeroplan Visa Card Review
The CIBC Aeroplan Visa Card is an underrated since it’s the only Aeroplan card that has no annual. Anyone who wants to save on future travel while keeping their expenses down should consider this card. That said, the earning rate of this card is relatively low, so it may take some time for you to…
Read MoreThe Best Airport Lounge Access Credit Cards in Canada
Airport lounges provide a quiet escape from the hustle and bustle of busy terminals, featuring comfortable seating, and complimentary food and beverages before your flight. While these premium spaces were once available exclusively to business class travellers or those with elite airline status, credit cards have made lounge access available to all travellers. Several Canadian…
Read MoreThe Best Metal Credit Cards in Canada for 2024
Just a few years ago, it was difficult to get a metal credit card in Canada. American Express was the only provider that offered one, and it was only available to their Platinum cardholders. However, in recent years, more metal credit cards have become available. That doesn’t mean having a metal credit card in Canada…
Read MoreWhat is the Minimum Payment on Credit Cards in Canada
If you look at your credit card statement, you’ll notice that there’s a minimum payment required each month. While paying just the minimum may be tempting, paying off your debt may take years while incurring significant interest charges. While you should always strive to pay the entire balance each month, it’s also important to understand…
Read MoreTD Rewards Guide | How to maximize your points
TD Rewards is obviously Toronto-Dominion Bank’s travel loyalty points program, but not many people are familiar since it’s overshadowed by Aeroplan. It seems odd that Aeroplan would get more attention, but the TD Aeroplan Visa Infinite Card is one of the most popular travel credit cards, so it shouldn’t be a huge surprise. As far as TD Rewards…
Read MoreScotiabank Scene+ Visa Card Review
The Scotiabank Scene+ Visa Card is a great entry-level card perfect for students and new immigrants looking to build their credit history. With no annual fee and the ability to earn flexible points, this card is one of the best Scotiabank credit cards. That said, you won’t get many benefits with this card, so read…
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