BMO Preferred Rate MasterCard Interest Rate: 11.99% (with annual fee) or 17.5% (without) Conditions: Read more here Minimum Deposit: Approval dependent Annual Fee: $20 (or free with higher interest rate) Authorized User Fees: Free Guarantees: No guarantees. Limited approvals. Apply for the BMO Preferred Rate Mastercard. … [Read more...] about The Best Secured Credit Cards Canada 2018
Best business credit cards
Scene Visa card from Scotiabank is a great card for students. The point system makes it easy to earn free movies just by buying things you're already buying! They're currently offering a 2,000 point welcome bonus, which is basically 2 FREE movies. You can redeem points for exclusive offers on WWE events, music downloads and earn extra points when you make purchases at the theatre itself. … [Read more...] about Best Student Credit Cards Canada 2018
Capital One Aspire Travel World Elite MasterCard Welcome Bonus: 40,000 miles Annual Fee: $150 How far will that bonus take you: one-way to South America Minimum Income: $70,000 Points: 2 reward miles/dollar No blackout dates or hidden fees, you can add an authorized user for free and double up to earn those post; the card includes Travel Emergency Medical insurance and Trip Cancellation insurance, and reward miles can be redeemed for cash. … [Read more...] about Best Travel Credit Card Canada 2018
I wrote an article on “30 Awesome Things You Can You Do With 75K-95K Ultimate Rewards Points“ that you can get from opening a single credit card right now. That gives you an idea of how you can be using those points. In the future I’ll make an article like that for other point currencies. … [Read more...] about Building Credit And Credit Card FAQs: Your Questions Answered
Yes, the person made up for the chargeback fees I was hit with in the end, but just be careful to only dispute things after attempting to contact the merchant to make things right or clarify what the charge is for as AMEX dispute resolution works incredibly well. If you ever receive goods or services that you’re not happy with, just let the merchant know that you do plan on disputing the purchase and see if they will come to a compromise without it coming to that. But if they won’t, AMEX will have your back more than any other bank. … [Read more...] about Just How Amazing Are AMEX Credit Card Protections?
Second, when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an AMEX business card it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. … [Read more...] about Last Chance To Lock In A Lower Annual Fee On The AMEX Business Platinum Card!