Canada’s best Mastercard credit cards for 2023 + MORE Jan 3rd

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Canada’s best instant approval credit cards for 2023
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The best Mastercard credit cards in Canada

By Keph Senett on  January 3, 2023Estimated Reading Time: 16 minutes

Mastercard is one of the most widely accepted credit cards in the world, and its association with the Bank of Montreal and status as the only card you can use at Costco make it a strong choice for everyday spending. Whatever you need in a credit card—whether it’s opportunities to earn cash or rewards, to travel, to take advantage of low interest rates, or to gain access to premium perks—there’s a Mastercard for you on this list.

Best for cash back with bonus categories

Tangerine Money-Back Mastercard*

At a glance: Flexibility is the name of the game with the no-fee Tangerine Money-Back Mastercard…

Welcome to another Rewards Canada Clash! Today’s match up doesn’t have us comparing credits cards head to head in our typical fashion where we compare all the benefits, earning etc. Instead,we have our second ever Clash of the Reward Charts! This is where we take the reward chart from two credit card issuers or reward […]
The post Clash of the Reward Charts! CIBC Aventura vs. RBC Avion appeared first on Rewards Canada.

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Canada’s best low interest credit cards for 2023
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Canada’s best low-interest credit cards 2023

By Keph Senett on  January 3, 2023Estimated Reading Time: 15 minutes

If you carry a balance on your credit card, or if you expect to take on debt that will take some time to pay off, you might want to consider a low-interest credit card. While most regular credit cards charge around 20% in interest, the cards listed here offer rates that can be half that or less. Some cards even come with attractive balance transfer promotions that will allow you to pay down debt at a greatly reduced rate for a limited time. If you’re looking to see which one has the best rates, perks and promotions, read on for our list of the best low-interest credit cards in Canada…

Credit Cards

Canada’s best instant approval credit cards for 2023
Searching for the perfect credit card? In under 60 seconds, CardFinder narrows down your top matches without impacting your credit score, no SIN required.

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CardDetailsAnnual feeBest for instant useCanadian Tire Triangle Mastercard• After being approved, start shopping instantly online• Use with Apple Pay or Google Pay apps to make purchases before you receive your physical card in the mail$0Best for overall rewardsAmerican Express Cobalt*• 5 points per $1 on groceries & dining• 3 points per $1 on streaming services• 2 points per $1 on travel, gas & transit• 1 point per $1 on everything else$156Best for no fee rewardsPC Financial Mastercard*• 25 points per $1 at Shoppers Drug Mart• 30 points per $1 at Esso/Mobil• 10 points per $1 on everything else$0Best for cash backSimplyCash Preferred Card from American Express*• 2% unlimited cash back on all purchases • 4% back on gas and groceries up to $1,200 in cash back annually$120Best secured cardPlastk*• 1 pt per $1 spent • Secured credit cards don’t typically offer rewards$120Best for low APRBMO Preferred Rate*• 12…

With interest rates, inflation and credit card debt all moving higher, we’re seeing debt collectors pick up the pace again post-pandemic. Getting a call from a debt collector can be incredibly stressful. It’s even more pressure on top of the debt itself. If they come across as pushy, it may be because they receive a commission on the amount of debt they recover. However, they still have to follow strict guidelines under Canadian laws. For example, they can’t call you on statutory holidays or threaten you with physical harm (not like on The Sopranos). But can they call others in your life? Yes, but with limits. 

Wondering about who debt collectors might contact? We’ll walk you through what debt collectors can and can’t do when it comes to contacting people in your life. 

Can debt collectors contact your employer?

Yes, a debt collector can reach out to your boss—but only to confirm basic personal details. They can call your workplace or employer to confirm your employment status and the business address…