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Credit Card Rewards: Head to Head

First Posted: December 15, 2004
Last Updated: November 9, 2009

By Denis Agar

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Suggestions

Finding it hard to choose? Match yourself to one of these profiles and that card should be your best fit!

Just give me the cash:

I spend $0-$9,000 with my credit card each year: MBNA Smart Cash
I spend $9,000-$20,000 with my credit card each year:

     Less than 19% of my credit card spending is on gas and groceries: National Bank of Canada Ultramar Card
     More than 19% of my credit card spending is on gas and groceries: MBNA Smart Cash
     [If you spent $1000 on your credit card in a month, 19% would be $190]
I spent more than $20,000 with my credit card each year: MBNA Smart Cash

I make a considerable amount of purchases...

Air Miles Partners (A&P/Dominion, Shell, LCBO, Pharma Plus, etc.): American Express AIR MILES Credit Card or MBNA Smart Cash Mastercard
Best Buy: Reward Zone Visa by Chase
Canadian Tire: Canadian Tire Options MasterCard or MBNA Smart Cash Mastercard
Cineplex Cinemas: Scotiabank Scene Visa or MBNA Smart Cash Mastercard
Costco:
I spend less than $20,000 per year: MBNA Smart Cash Mastercard or National Bank of Canada Ultramar Card
I spend over $20,000 per year: American Express Costco Platinum Cash Rebate Card
Holt Renfrew: American Express Holt Renfrew Card or MBNA Smart Cash MasterCard
Starbucks: Royal Bank Starbucks Duetto Visa

I buy a lot of gas at...

Canadian Tire Gas Bar: Canadian Tire Options MasterCard
Petro-Canada: Citibank Petro-Points Mastercard
Esso: MBNA Smart Cash MasterCard or Royal Bank Esso Visa
Ultramar: National Bank Ultramar Card

I travel a lot (Or I'd like to travel if I could afford it)

     Less than 19% of my credit card spending is on gas and groceries: National Bank of Canada Ultramar Card or American Express Blue Sky Credit Card
     More than 19% of my credit card spending is on gas and groceries: MBNA Smart Cash
     [If you spent $1000 on your credit card in a month, 19% would be $190]

Next: A comprehensive breakdown of all the cards mentioned in this article.

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