Although the top-level points card has to pay an annual fee, it has many benefits, several hundred yuan, preferential hotel room rate, free wine tasting and insurance. Amex in scotiabank is the best. If the insurance premium is paid, its value will exceed $65,438+$0,000. Moreover, there is a reward of $200 for a full card of silver, which is quite good.

Need a free card.

Even if you don't pay the annual fee, there are many cards with cash return discount. For example, SimplyCash American Express claims to be the credit card with the most cash refunds in Canada. In the first six months, if you have gasoline, food and restaurant consumption, you can get 5% cash back, up to $250. After half a year, there is also a cash return of 1.25%.

If the main items of daily consumption are not gasoline, food and restaurants, you can choose a more flexible orange cash back card. Cardholders can freely choose several specific consumption types and get 2% cash back, and other consumption other than specific types can also get 0.5% cash back.

Cash back card

For those who like to spend by credit card, cashback card is undoubtedly the best choice! Because the more you spend, the more you get back, and you can enjoy the double happiness of shopping and making money.

Among these cards, Momentum Visa Infinite in scotiabank is the first card, and its cashback strength is really amazing: 4% cash will be cashed back when you buy gasoline and food; If you often shop in the drugstore, you can get 2% cash back; If it is something of other categories, there is also a cash return of 1%: