Posts by Barry Choi
The 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 MoreWhat’s the Right Number of Credit Cards
Many people ask me what the right number of credit cards to have is, but there is no universal perfect number. The ideal number varies based on individual financial situations, spending habits, and financial/travel goals. While some may prefer one or two cards, others may benefit from several cards for various purposes, such as earning…
Read MoreAeroplan Family Sharing Explained
Aeroplan Family Sharing is a feature available to Aeroplan members since 2021. The idea is that instead of earning and redeeming points individually, you can do so with family members under the Aeroplan program. The advantage of this perk is that you’ll be able to use points accumulated as a group much quicker. How Aeroplan family…
Read More6 Lesser Known Aeroplan Tips to Maximize Your Travel Rewards
Aeroplan, Air Canada’s loyalty program, is one of my favourites because it offers me value and unique ways to save money on travel. Recently, I booked my family on a quick trip to Vancouver, and I found a great deal on flights when using my points. While frequent flyers are familiar with basic redemption strategies,…
Read More36 Best Birthday Freebies in Toronto in 2025
Are you looking for birthday freebies in Toronto? If so, you’ll want to make sure you check out this list before you head out. There are more than two dozen restaurants and retailers that want to give you stuff to help you celebrate your big day. You obviously won’t have enough time to hit every…
Read MoreDoes Applying for Credit Cards Hurt Your Credit Score
When used responsibly, credit cards can enhance your credit score over time. Responsible usage includes paying off your balance on time, keeping your credit utilization low, and maintaining a healthy mix of credit types. However, many people wonder if applying for a credit card hurts your credit score. While it’s true that a new application…
Read MoreRBC ION+ Visa Review
The RBC ION+ Visa Card is a highly underrated credit card that doesn’t get nearly as much attention as it should. You earn a high rate on popular categories like dining, food delivery, and groceries. You also get mobile device insurance. This is quite good for a credit card with a monthly fee of just…
Read MoreRBC Cash Back Preferred World Elite Mastercard Review
The RBC Cash Back Preferred World Elite Mastercard is RBC’s top cash back card. Instead of having a higher earning rate on select categories, you’ll get 1.5% cash back on all purchases. This may be acceptable for some people, but it’ll likely leave many wanting more. Read my RBC Cash Back Preferred World Elite Mastercard…
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