Posts by Barry Choi
Credit Card Fees in Canada: How to Avoid Them Effectively
Credit cards offer convenience and rewards, but hidden fees can drain your budget. In Canada, these fees range from annual charges to foreign transaction costs. Many Canadians pay unnecessary charges simply because they don’t understand how or when they apply. From balance transfers to cash advances, credit card fees in Canada can accumulate quickly. Luckily,…
Read MoreScotiabank Value Visa Card Review
The Scotiabank Value Visa Card is a low interest, balance transfer credit card that is clearly aimed at people who are looking to reduce their debt or lower the amount they pay in interest. Since this is a low interest credit card, you won’t get many additional perks, but that may not matter as your…
Read MoreScotiabank Passport Visa Infinite Business Review
Business credit cards are typically focused on buying power and business protection, but a few cards out there provide some pretty good travel rewards. That Scotiabank Passport Visa Infinite Business is one of those cards since you get no foreign transaction fees, travel insurance, airport lounge access and more. From a business point of view,…
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…
Read MoreScotiabank Passport Visa Infinite Card Review 2026
Are you looking for a Scotiabank Passport Visa Infinite Card review? Let me tell you right now that this is one of my favourite cards. With no foreign transaction fees, good travel insurance, and lounge access, the Scotiabank Passport Visa Infinite Card is arguably the best all-in-one travel credit card. Over the years, many credit…
Read MoreIs a Premium Credit Card Worth It in Canada?
A premium credit card in Canada is generally only worthwhile if you regularly use the rewards, perks, and benefits enough to justify the higher annual fee. If you travel frequently, shop often, or want access to exclusive insurance and lounge privileges, these cards can provide real value. The other consideration is the welcome bonus. If…
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 MoreDoes 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 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…
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