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Canadian Finance.ca - Your Credit Card Resource Center

Choosing a Credit Card

Balance Transfers Credit Cards
Balance Transfer Credit Cards
Balance transfer credit cards allow you to consolidate credit card debt onto one card, allowing you to shed yourself of high interest rates. And therefore saving you money. But initiating a balance transfer from a high interest rate credit card to a credit card with a lower interest rate is not void of pitfalls. You need to understand how a balance transfer works. And more importantly you need to understand the fees associated with the transfer. Many times there is fine print attached to the transfer that includes hidden charges. Some credit cards may charge a transfer fee that can be a percentage of the balance transferred. Be sure that there is a cap on the amount, or else a balance transfer in the thousands may end up costing you hundreds of pounds. Also, be sure the bank doesn't charge a high annual fee, or joining fee. For additional details on the balance transfer credit cards, please visit Balance Transfer Credit Cards
Low Rate Credit Cards
Low Interest Rate Credit Cards
Low Interest Rate credit cards offer introductory rates of up to 0% APR for anywhere between 3 to 12 months for when the credit card account is opened. This rate can, depending on the credit card company can apply to new purchases, cash advances, and balance transfers from other credit card account. Additional details can be found at Low Rate, Low APR Credit Cards
Rewards Credit Cards
Rewards Credit Cards

Rewards credit cards are the fastest growing segment of the credit card industry.  Since everyone uses credit cards, it’s only natural to want the benefits of a rewards program from your everyday purchases.  Rewards programs come in a variety of flavors; cash back rewards, shopping rewards, travel rewards, entertainment rewards are just a few of the rewards program available.  If you use these cards in the way they are intended, they can prove to be very beneficial to your credit card purchasing.  Find out more about the Rewards Credit Cards we offer.

Travel Credit Cards
Travel Rewards Credit Cards
Credit cards that offer travel rewards programs are reasonably flexible and might provide airline miles, points that are redeemed for hotel accommodation, or both. You earn reward points or airline miles whenever the credit card is used for everyday purchases. Credit cards used for travel related spending such as purchasing airline tickets or hotel reservations, a greater number of reward points are usually awarded. Reward points can be redeemed for airline tickets, hotel accommodations, car rental, or special priority treatment or upgrades while traveling. To find out more about Travel Rewards Credit Cards
Bad Credit Credit Cards
Credit Cards to Improve Credit
Worrying about your credit problems is not going to solve them. We promote credit cards for individuals with bad credit or simply put, less than perfect credit. Simply qualifying for a credit card will not help you build, re-build or re-establish your credit. The key to improving your credit rating and subsequent credit history is making on-time payments with all of your creditors and maintaining your account balances well below the credit limits. This is the key to changing your financial future, and fixing your credit history. To find out more, visit our Bad Credit Cards Cards section
Choosing a credit card that fits your needs is what we are all about. We provide the tools and information necessary to make an informed decision on not only the credit card that best fits your desires, but also the credit card that fits your credit history.

The first step in choosing a credit card is to figure out what credit card you want. Credit Card within Canada are divided into five main categories.

Featured Credit Cards

Company
Card Logo
Card
Name
Purchase Rate Balance Transfer Rate Typical APR (variable) Annual Fee Card Benefits Apply
MBNA Platinum Plus MasterCard MBNA Platinum Plus® MasterCard® 17.99% Annual Interest Rate 0% introductory annual interest rate† on balance transfers* and cheque cash advances for 15 months * 17.9% No Annual Fee The MBNA Platinum Plus® MasterCard® Credit Card has no annual fee, and you get a low interest rate for balance transfers and cheque cash advance

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MBNA Credit Cards MBNA Smart Cash MasterCard® Smart Cash Platinum MasterCard® Credit Card Introductory 1.99%† for balance transfers* and cheque cash advances for 10 months 19.99% for purchases, cash advances and balance transfers 19.99% Annual Interest Rate $0 Use your MBNA Smart Cash Platinum MasterCard® and get up to 5% cash back - That's not just smart, that's Smart Cash

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Peoples Trust People Trust® Secured MasterCard People Trust® Secured MasterCard 19.50% on outstanding balances na 19.50% on outstanding balances $71.40($5.95/month; collected monthly) - for each primary card $35.40($2.95/month; collected monthly) - for each supplemental card Your approval for Peoples Trust® Secured MasterCard® Card is almost guaranteed!

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American Express American Express Air Miles Platinum American Express® Air Miles® Platinum Credit Card 2.99% special interest rate for purchases for the first 12 months of Cardmembership (conditions apply) 19.99% 19.9% $50 Earn 1 reward mile for every $10 in Card purchases at AIR MILES®* Sponsors, 1 reward mile for every $15 in Card purchases everywhere else. Plus earn a welcome bonus of 400 reward miles the first time you use the Card.

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American Express Starwood Preferred Guest Credit Card Starwood Preferred Guest® Credit Card from American Express annual interest rate 19.99% annual interest rate 19.99% annual interest rate 19.99% $120 annual fee Earn 1 Starpoint for every $1 in purchases charged to the Card. Also, earn 15,000 Welcome Bonus Starpoints after you spend $1,000 in purchases to your Card in your first three months of Cardmembership.

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MBNA PremierRewards® Platinum Plus® MasterCard® MBNA PremierRewards® Platinum Plus® MasterCard® 19.99% Annual Interest Rate on Purchases and Cash Advances 19.99% Annual Interest Rate on Purchases and Cash Advances 19.99% Annual Interest Rate $0 Use your MBNA PremierRewards® Platinum Plus® MasterCard® credit card for every day shopping, groceries, gasoline, even to pay your utility bills and get 1% back

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MBNA Credit Cards MBNA Best Western MasterCard® Best Western MasterCard® Credit Card 19.99% 19.99% 19.99% No Fee Earn Best Western Rewards points for your everyday expenses! Receive 20,000 bonus Best Western Rewards points after your first qualifying purchase, Earn 1.5 Best Western Rewards points for every $1 in net retail purchases, Receive 50 Best Western Rewards points for every cash advance transaction over $50

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Scotiabank Value VISA Scotiabank Value® VISA Credit Card Special 0.99% introductory rate for the first six months Special 0.99% introductory rate for the first six months 11.99% $29.00 Annual Fee Get a Scotiabank Value VISA card and we'll help reduce your borrowing costs! Receive a 0.99% introductory interest rate on cash advances, balance transfer and Scotia® VISA cheques for the first six months.

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Scotiabank Value VISA Scotiabank Gold Passport VISA Credit Card 19.99% on purchases 21.99% on Cash Advances and Balance Transfers 19.99% $110.00 Annual Fee Scotia Rewards®: Earn one Scotia Rewards point for every $1 you spend, Travel anywhere, at any time of the year with no restrictions, Earn Scotia Rewards bonus points on first purchase.

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Scotiabank Rewards VISA Scotiabank Rewards VISA Credit Card 19.99% on purchases 21.99% on Cash Advances and Balance Transfers 19.99% No Annual Fee The Scotiabank Rewards® VISA card is right for you if: You want to earn travel rewards with no annual fee, and you want a flexible rewards program. Earn one Scotia Rewards® point for every $2 spent on everyday purchases, Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.

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Visa
Discover the many innovative ways Visa credit cards can work for you-pay taxes, access personal finance tools, even pay your bills. Explore all the benefits of Visa credit card, and see why more cardholders choose Visa. Review and compare all the Visa credit cards.

MasterCard®
In times like these, MasterCard® credit cards is pleased to give you easy ways to make necessities affordable without having to forgo the little pleasures. Browse the latest MasterCards® deals below or sign up for the MasterCard® Discounts newsletter for more ways to help stretch your dollar. Review and compare all the MasterCard credit cards

American Express
You can feel confident about safety when you use your American Express credit card. Our multiple layers of security prevent, detect, and resolve unauthorized use of your card information. And if fraud should occur, you are never held liable for unauthorized charges. Review and compare all the American Express credit cards
At Canadian Finance our primary purpose is to provide personal financial solutions. Whether you are looking for a Debt Consolidation Loan, Credit Cards, Personal Loans or Financial Assistance, we can provide the information you are looking for. We provide access to financial products that you need to become financial fit. Banking, Credit Cards, Loans, and Credit Reports. Apply Today and start down the road to financial freedom
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