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最优利率和cashback可以申请特批，好信用好收入offer更好。请点链接扫码加微信咨询，Scotiabank -- Nick Zhang 6478812600。

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最优利率和cashback可以申请特批，好信用好收入offer更好。请点链接扫码加微信咨询，Scotiabank -- Nick Zhang 6478812600。

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albxu(Yukon)

It's believed that VISA is more popular. Most of the small bisinesses accept VISA because it charges 3% of transaction fee.

AMEX is the least popular credit card in Canada (from a business's perspective). It charges the most (6%).

It is also reported that 55% of Canadians pay off teir credit card bill in full each month.

So the rate is not the biggest concern if you're going to pay the bill in full. The anual fee is the concern at some extent.

A gold card may give you addtional benefit like rental car insurance. So a no fee gold card is a good option.

(#33823@0)
Last Updated: 2001-3-16
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枫下家园 / 理财投资税务 / 加拿大各大银行信用卡利率年费一览表 (摘自心意网)，但不太看的懂：Standard、Basic、Low Rate是指卡的类别吗？请指教。 -fionah(fiona); 2001-2-26 {765} (#28595@0)
加拿大各大银行信用卡利率年费一览表 - Thu, Feb 22 @ 08:45 PM

MasterCard

发卡银行，年利息，年费

Bank of Montreal
Standard， 18.9%， 0
Basic， 15.9%， 0
Low Rate， 13.9%， 15

National Bank
Standard， 18.4%， 0
Low rate， 8.9%， 15

Canada Trust
Regular， 17.9%， 8

VISA

发卡银行，年利息，年费

Scotiabank
No-fee standard，18.99%， 0
Standard， 18.5%， 8
Value Visa， 10.5%， 29

CIBC
Classic， 18.5%， 0
Select Visa， 10.5%， 29

Desjardins
Classic， 18.9%， 0
Low rate， 10.9%， 25

Laurentian Bank
Standard， 17.99%， 0
Reduced rate， 9.5%， 24

Royal Bank
Standard， 17.9%， 0
Low rate， 10.5%， 25

TD Bank
Standard， 18.5%， 0
Emerald Card， 10.9%， 12

数据准确至2000年9月

还有，新移民在哪家银行开户比较好？开什么帐户好？是不是应该开一个chequing account应付平时开支；开一个saving account存定期，可以多赚一点利息? -fionah(fiona); 2001-2-26 (#28597@0)

1. Standard, Basic, Low Rate IS the type of credit card (or in other words, the rate differs with each card). 2. I prefer TD bank, because it has mandarin hot line, and it's also the 1st rank online bank. CONTINUE ... -bloor(bloor); 2001-2-26 {349} (#28678@0)
3. You MUST open a chequing account for daily use (with a debit card). Usually, it could be a joint-signature account (you and your wife/husband can use the same account).

4. You may consult the bank representative for other choice. I choosed to open a Mutual Fund account. I don't think saving account is neccesary. Other choice includes GIC.
Another word: If you pay your bill within the period, you don't need to care about the interest. So, choose the card with NO annual fee. -bloor(bloor); 2001-2-26 (#28680@0)

nod. unless you want to borrow money from the bank(for example: cash advance, usually the rate is even much higher than bank loan) or you cannot pay your bill in full. -guest:; 2001-2-26 (#28849@0)
I follow you. -albxu(Yukon); 2001-3-16 {572} (#33823@0)
It's believed that VISA is more popular. Most of the small bisinesses accept VISA because it charges 3% of transaction fee.

AMEX is the least popular credit card in Canada (from a business's perspective). It charges the most (6%).

It is also reported that 55% of Canadians pay off teir credit card bill in full each month.

So the rate is not the biggest concern if you're going to pay the bill in full. The anual fee is the concern at some extent.

A gold card may give you addtional benefit like rental car insurance. So a no fee gold card is a good option.

Agree. -beibei(beibei); 2001-3-16 (#33846@0)

有免年费的金卡么吗? -guest:; 2001-2-26 (#28750@0)

royal bank有一种是没有年费的金卡，租车不用缴保险 -guest:guest; 2001-2-26 (#28753@0)
yes, TD has Gold Select and Royal has Platinum, both no fee, and have car rental insurance coverage. -guest:; 2001-2-26 (#28833@0)

forget about anything asks for annual fee. worthless. -guest:; 2001-2-26 (#28848@0)

@San Francisco

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