Earn up to 45,000 Scene+ points with the Scotiabank Gold American Express Card + MORE Apr 30th

If you’ve been using the same no-annual-fee credit card for years, you could be missing out on a wealth of rewards. Credit cards with rich rewards programs often charge a higher annual fee, but if you shop around, you can find one of those rare cards that offers both great perks and a $0 annual fee. Here’s how to pick the right card for your lifestyle and start turning your everyday purchases into valuable rewards.

Choosing the best rewards card for your lifestyle

If you’re thinking about carrying a rewards credit card, you’ll want to do some research to make sure you choose the best option for your lifestyle. Every card is different, but there are several general factors to consider.

What kinds of reward types do credit cards have?

Rewards can come in many forms, and you should make sure you’re collecting the most valuable type for your lifestyle and your spending habits. For example, keen travellers will be interested in travel rewards that can be redeemed for flights, hotels, car rentals and more…

 The very popular Scotia Gold American Express Card is currently offering 45,000 points which are worth $450 towards any travel that you book via any method and charge to the card. The bonus is broken up into two separate requirements. the first 25,000 points are awarded when you spend at least $1,000 on the card in the first 3 months and then you can earn an additional 20,000 points when you spend at least $7,500 in your first year of having the card. Here’s the direct wording from Scotia on how this is awarded:To qualify for the 45,000 bonus Scene+ points offer: Earn 25,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months from account opening.Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.Once you qualify, we’ll credit your account in 2 instalments:25,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $1,000 in net purchases being posted to your Account in your first 3 months…

Starting a family changes everything—including which credit card is best for you. Your most-used spending categories might shift from dining out to groceries, and your credit card points might be used to book family vacations rather than a flight to Europe. The best credit card for your family will meet your new needs. Read on to discover our picks for 2022.

Best overall credit card for families

CIBC Dividend Visa Infinite*

Groceries and gas are undoubtedly two of the biggest expenses for busy families, so why not use a card that rewards your spending in those categories? When you use the CIBC Dividend Visa Infinite to buy groceries or gas, you’ll get a whopping 4% cash back (one of the best rates on the market). A 2% return on dining out, transportation and recurring bills sweetens the pot, and the 1% base rate with no limit to how much you can earn means you’ll get money back no matter where you spend it. And, when you link and use your CIBC Dividend Visa Infinite with Journie Rewards, you can save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations—a huge benefit with today’s fuel prices…

 A pair of entry level rewards cards will see their limited time welcome bonus offers come to a close in just a couple of days. Those two cards are the Signature RBC Rewards Visa and the RBC Rewards+ Visa which are offering 7,000 bonus points and 2,500 points respectively. The offers are available until May 2, 2022 and will not be extended. Card details: Signature RBC Rewards Visa Annual fee $39 Additional Cards: $0 Annual interest rate: 19.99% on purchases, 22.99% on cash advances and balance transfers Credit Rating: Average • Get 7,000 Welcome RBC Rewards Points Upon Approval. Offer Expires: May 2nd 2022 • Low annual fee (no fee for students^ and RBC Signature No Limit Banking® clients*) • Students must visit a branch to apply for credit card • Earn rewards like a premium card. Earn 1 RBC Rewards® point for every $1 you spend on qualifying purchases†, plus earn bonus points through purchases at selected retailers using your RBC Rewards credit card…