在加拿大
把5大银行的信用卡产品做了一个比较，贴出来和大家SHARE一下。信用卡按针对客户群分类，可分如下几类 一、经常出差、旅游想用卡积累里程的用户ScotiaGold Passport$110 annual fee/$30 additional card fee$1=1 pointInterest rate 19.5%5% cash back on travel purchaseReward options: merchandise, investment, travel purchase*Scotia还有一种no-fee ScotiaGold VISA可以选择 RBC VISA Gold preferred$110 annual fee/$40 additional card fee$1=1 pointno cash back on travel purchaseReward options: merchandise, investment, travel purchaseinsurance coverage TD First Class Travel Infinite$120 annual fee/$50 additional card fee$1=3 points purchases$1=9 points on travel purchases with TDno cash back on travel purchaseReward options: travel purchasesredemption in 10,000 points incrementsLimited insurance coverage CIBC AeroGold$120 annual fee/$50 additional card fee$1=1 mile$1=1.5mile on gas, drug stores and groceryno cash back on travel purchase15,000 points for short haul flightsReward options: merchandise, investment, travel purchases BMO Mosaik Air Mile MC$90 annual fee/$15 additional card fee$15=1 Air MileCash back available for a feeTravel Restrictions: Round trip only, Saturday stay over, Advance bookingLimited insurance coverage 二、Cash back即返现金的信用卡Scotia Momentum VISA$39 annual fee/$15 additional card fee2% Cash back on gas, groceries, drug stores and recurring payments; 1% cash back on other purchasesInterest rate 19.99%No min spend/Maximum 25,000 at 2%Purchase SecurityExtended Warranty Protection*Scotia还有一种no-fee Scotia Moneyback VISA可以选择 RBCRBC最新推出cash back VISA, 2010年底前申请可免一年年费2010年底前在指定商家消费,可获5%现金返还,其它店铺1%返还 TD Gold Elite VISA$99 annual fee/$39 additional card fee1% cash back on purchasesNo min spendPurchase SecurityExtended Warranty ProtectionLost luggage and Rental carBudget Rent a car Preferred rate CIBC Platinum Dividend$79 annual fee/$30 additional card feeUp to 2% cash back on purchasesMust spend $35,000 to earn 2%Maximum $50,000 spendPurchase SecurityExtended Warranty ProtectionTravel Medical Ins/Rental car discount BMO Mosaik Premium$49 annual fee/No additional card fee3% cash back at Shell gas stations1% cash back on purchases elsewhere3% cash back capped at 2,500/mthPurchase SecurityExtended Warranty ProtectionLost luggage and Rental car *除了5大银行外，其它FINANCIAL INSTITUTIONS也有类似的CASH BACK 信用卡发布，比如AMERICAN EXPRESS, MBNA 三、Low Rate即低利率的信用卡（个人认为华人或许并不看重这一Feature,但是对很多Local people，他们把信用卡当小额短期贷款，这个低利率可是很重要的）Scotia Value VISA$29 annual fee/No supplementary card feeInterest rate 11.49%Up to 20% discount at AVIS Rental car*Scotia还有一种no-fee Scotia Value VISA可以选择 RBC Classic Low Rate VISA$20 annual fee/No additional card feeInterest rate 11.9%Purchase SecurityExtended Warranty Protection TD Emerald VISA$25 annual fee/No additional card feeTD prime+1.9% to 6.9%Budget Rent a car Preferred rate CIBC Select VISA$29 annual fee/No additional card fee(max 3)Interest rate 11.5%100,000 Common Carrier Accident Insurance20% discount at AVIS Rental car BMO Low Rate Plan$35 annual fee/No additional card feeInterest rate 11.9%Air miles:$40=1 Air mile or1.5% cash back Shell Gas 0.5% all othersPurchase SecurityExtended Warranty Protection 四、适合学生的信用卡Scotia L’earn VISANo annual feeInterest rate 18.59%Cash back 1%: first $500 0.25%, next $500 0.5%, then 1%Up to 20% discount at AVIS Rental car RBC Classic II Student VISA$15 annual feeInterest rate 19.5%Purchase SecurityRewards program$1=1pointThrifty Rental car discountExtended Warranty Protection TD Rebate Rewards VISANo annual feeInterest rate 19.75%Cash back: first $3000 0.5%, over $3000 1%Budget Rent a car Preferred rate CIBC Classic Student VISANo annual feeInterest rate 18.5%Purchase SecurityExtended Warranty Protection100,000 Common Carrier Accident Insurance20% discount at AVIS Rental car BMO Student Mosaik MCNo annual feeInterest rate 19.5%$40 Purchases=1 reward mile orBMO Student Cash Back MC: 0.5% cash back, 1.5% cash back at Shell Gas Stations 五、其它各大银行会推出有自己特色的信用卡，比如SCOTIABANK 的 SCENE VISA, 使用信用累积积分可以换电影票。NO-FEE, INTEREST RATE 19.5%, 很适合喜欢电影的朋友。
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always keep the faith[SIGPIC][/SIGPIC] 赏
反馈:Holmes, 农家小炒肉+鲍汁扣花菇, qcy 和 7 其他人 2009-12-05#2 游 Guest
回复: 5大银行信用卡比较不懂帮顶评论
回复: 5大银行信用卡比较因为在银行工作，这几天把5大银行的信用卡产品做了一个比较，贴出来和大家SHARE一下。信用卡按针对客户群分类，可分如下几类 一、经常出差、旅游想用卡积累里程的用户ScotiaGold Passport$110 annual fee/$30 additional card fee$1=1 pointInterest rate 19.5%5% cash back on travel purchaseReward options: merchandise, investment, travel purchase*Scotia还有一种no-fee ScotiaGold VISA可以选择 RBC VISA Gold preferred$110 annual fee/$40 additional card fee$1=1 pointno cash back on travel purchaseReward options: merchandise, investment, travel purchaseinsurance coverage TD First Class Travel Infinite$120 annual fee/$50 additional card fee$1=3 points purchases$1=9 points on travel purchases with TDno cash back on travel purchaseReward options: travel purchasesredemption in 10,000 points incrementsLimited insurance coverage CIBC AeroGold$120 annual fee/$50 additional card fee$1=1 mile$1=1.5mile on gas, drug stores and groceryno cash back on travel purchase15,000 points for short haul flightsReward options: merchandise, investment, travel purchases BMO Mosaik Air Mile MC$90 annual fee/$15 additional card fee$15=1 Air MileCash back available for a feeTravel Restrictions: Round trip only, Saturday stay over, Advance bookingLimited insurance coverage 二、Cash back即返现金的信用卡Scotia Momentum VISA$39 annual fee/$15 additional card fee2% Cash back on gas, groceries, drug stores and recurring payments; 1% cash back on other purchasesInterest rate 19.99%No min spend/Maximum 25,000 at 2%Purchase SecurityExtended Warranty Protection*Scotia还有一种no-fee Scotia Moneyback VISA可以选择 RBCRBC没有cash back card TD Gold Elite VISA$99 annual fee/$39 additional card fee1% cash back on purchasesNo min spendPurchase SecurityExtended Warranty ProtectionLost luggage and Rental carBudget Rent a car Preferred rate CIBC Platinum Dividend$79 annual fee/$30 additional card feeUp to 2% cash back on purchasesMust spend $35,000 to earn 2%Maximum $50,000 spendPurchase SecurityExtended Warranty ProtectionTravel Medical Ins/Rental car discount BMO Mosaik Premium$49 annual fee/No additional card fee3% cash back at Shell gas stations1% cash back on purchases elsewhere3% cash back capped at 2,500/mthPurchase SecurityExtended Warranty ProtectionLost luggage and Rental car *除了5大银行外，其它FINANCIAL INSTITUTIONS也有类似的CASH BACK 信用卡发布，比如AMERICAN EXPRESS, MBNA 三、Low Rate即低利率的信用卡（个人认为华人或许并不看重这一Feature,但是对很多Local people，这个低利率可是很重要的）Scotia Value VISA$29 annual fee/No supplementary card feeInterest rate 11.49%Up to 20% discount at AVIS Rental car*Scotia还有一种no-fee Scotia Value VISA可以选择 RBC Classic Low Rate VISA$20 annual fee/No additional card feeInterest rate 11.9%Purchase SecurityExtended Warranty Protection TD Emerald VISA$25 annual fee/No additional card feeTD prime+1.9% to 6.9%Budget Rent a car Preferred rate CIBC Select VISA$29 annual fee/No additional card fee(max 3)Interest rate 11.5%100,000 Common Carrier Accident Insurance20% discount at AVIS Rental car BMO Low Rate Plan$35 annual fee/No additional card feeInterest rate 11.9%Air miles:$40=1 Air mile or1.5% cash back Shell Gas 0.5% all othersPurchase SecurityExtended Warranty Protection 四、适合学生的信用卡Scotia L’earn VISANo annual feeInterest rate 18.59%Cash back 1%: first $500 ? 0.25%, next $500 ? 0.5%, then 1%Up to 20% discount at AVIS Rental car RBC Classic II Student VISA$15 annual feeInterest rate 19.5%Purchase SecurityRewards program$1=1pointThrifty Rental car discountExtended Warranty Protection TD Rebate Rewards VISANo annual feeInterest rate 19.75%Cash back: first $3000 ? 0.5%, over $3000 ? 1%Budget Rent a car Preferred rate CIBC Classic Student VISANo annual feeInterest rate 18.5%Purchase SecurityExtended Warranty Protection100,000 Common Carrier Accident Insurance20% discount at AVIS Rental car BMO Student Mosaik MCNo annual feeInterest rate 19.5%$40 Purchases=1 reward mile orBMO Student Cash Back MC: 0.5% cash back, 1.5% cash back at Shell Gas Stations 五、其它各大银行会推出有自己特色的信用卡，比如SCOTIABANK 的 SCENE VISA, 使用信用累积积分可以换电影票。NO-FEE, INTEREST RATE 19.5%, 很适合喜欢电影的朋友。点击展开...我用 PC的，感觉也不错！
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https://forum.iask.ca/threads/884689/回复: 5大银行信用卡比较TD的还不错
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回复: 5大银行信用卡比较我用 PC的，感觉也不错！点击展开...5大银行中，除了BMO, 都是VISA, 你所说的PC,还有THE BAY，CAPITAL ONE, MBNA等发行的都是MASTERCARD. 还有AMEX也有自己的特色，关键是看你看重哪方面的FEATURE.
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always keep the faith[SIGPIC][/SIGPIC]回复: 5大银行信用卡比较不知道VISA, MASTERCARD有啥区别呢？
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https://forum.iask.ca/threads/884689/ 赏
反馈:十二少 2009-12-05#7 A Guest
回复: 5大银行信用卡比较学习一下!评论
回复: 5大银行信用卡比较不知道VISA, MASTERCARD有啥区别呢？点击展开...2大信用卡组织而已，有些地方只收visa，有些地方只收master
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不知道签些啥子，所以就签了这个2大信用卡组织而已，有些地方只收visa，有些地方只收master点击展开...民工说的对，从实际使用的角度讲，对终端消费者两者几乎没有任何区别。第二点，发行机构也不同。Visa全球电子支付网络是世界上覆盖面最广的消费支付处理系统，目前全世界有超过2，000万个特约商户接受Visa卡，还有超过84万个ATM遍布世界各地。Visa国际组织本身并不直接发卡，而是通过会员金融机构发行各种Visa支付工具。万事达卡三十年前它仅是一张美国境内的国内卡，现在万事达卡国际组织是一个各地财经机构的非牟利协会组织，其会员包括商业银行、储蓄与贷款协会，以及信贷合作社。第三点，发行的评估标准虽然我并不清楚发行MASTERCARD的金融公司如何评估和发行信用卡，但是应该和银行的评估标准不太一样。银行发行的信用卡一般会把个人INCOME作为一个重要考量标准，看收入多少决定能给多少LIMIT，另外，如果你自己没有收入，但是配偶的INCOME能COVER你们2人，你就可以有专属SOLE的信用卡（而不必是附卡）。如果是没有收入，没有CREDIT RECORD的新移民，就只能SECURE一定数量的金额，然后发给你一张信用卡，从短期来看，这并非真正意义上的信用卡，比如你存个$1200,银行发给你一张LIMIT为$1000的卡，相当于你还是在用自己的钱；但是从长期的意义上，这张卡可以帮你累积信用记录。和银行相比，大多数发行MASTERCARD的金融公司可能并不把INCOME作为要件，具体的评估标准和营销策略我并不清楚，所以不便发言。
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always keep the faith[SIGPIC][/SIGPIC] 赏
反馈:余则成 Liftmaster 2009-12-06#10 
1,649 $0.00 回复: 5大银行信用卡比较yep, TD is the best! Im using this student visa. supper dam good评论
既然来了就留下你的微笑，既然走了就带走你的悲伤yep, TD is the best! Im using this student visa. supper dam good点击展开...每家银行都有自己的强项，去和别的银行同类别产品竞争，所以关键还是从自己的需求角度考虑，哪个银行的产品更适合你。只要FIT了，就会觉得好。
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always keep the faith[SIGPIC][/SIGPIC]回复: 5大银行信用卡比较信用卡应该是MBNA的比较好吧。。。
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回复: 5大银行信用卡比较信用卡应该是MBNA的比较好吧。。。点击展开...MBNA的Cash back 确实比较吸引人，如果这正是你想要的feature的话。
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always keep the faith[SIGPIC][/SIGPIC]回复: 5大银行信用卡比较DES JARDINS家的卡怎么样？
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Keep calm and valar morghulis !
赏 反馈:十二少 2009-12-11#15 
1,787 $0.00 回复: 5大银行信用卡比较顶评论
回复: 5大银行信用卡比较好贴, 顶~~~
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回复: 5大银行信用卡比较DES JARDINS家的卡怎么样？点击展开...SORRY,这个卡我还真是不大清楚。
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always keep the faith[SIGPIC][/SIGPIC]好贴, 顶~~~点击展开...多谢。
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always keep the faith[SIGPIC][/SIGPIC]SORRY,这个卡我还真是不大清楚。点击展开...刚开了这家的DEBIT卡，信用卡等有了经验回来汇报。
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Keep calm and valar morghulis !
赏 反馈:十二少 2009-12-28#20 E 244 $0.00 回复: 5大银行信用卡比较新移民，只有点存款，没有收入的。适合在哪家银行开户，申请什么样的信用卡呢？
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