Credit Cards

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Top Credit Card Higher than Normal Sign Up Bonuses for February 2020

ByMatt

Quite a few offers ended in January, especially the American Express offers, but others have been extended, namely the BMO and RBC cards.

Top Higher than Normal Sign Up Bonuses for February 2020

For the rest of the credit cards, I ranked the credit cards by the price of the annual fees (lowest to highest):

Earn $250 Cash with Tangerine Money-Back Credit Card

ByMatt

In a surprising move by Tangerine, they are currently offering a $250 sign up bonus with the Tangerine Money-Back Credit Card. It has been a while since I last wrote about a specific bonus offer, and I usually post my monthly lists.

For example, these are the January lists:

Best Current First Year Fee Waived Cards
Top Cash Back Credit Card Offers
Top Credit Card Higher than Normal Sign Up Bonuses

Lately, if I write about a specific card only, I’ve only been writing about significant changes or offers, such as:

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Best Current First Year Fee Waived Cards for January 2020

ByMatt

For this month, all BMO offers ended last month, but all ended up being extended until May. So if you missed out, you have another opportunity to sign up for those cards. 

The card that I would pay close attention to is the Scotia Momentum Visa Infinite Card, which relaunched its 10% cash back (first the first 3 months up to $2,000 in spending) and first year fee waived promotion. Historically, this has been the best offer with this card.

Otherwise, for the rest of the list, all offers run until at least early March 2020. 

Where did Canada’s Most Expensive Annual Fee Card Go?

ByMatt

As the title says it, today I am going to discuss Canada’s credit card with the highest annual fee. This post does not count any secret credit cards that are by invitation only, such as the Centurion card from American Express. I am focusing on cards that the general public can actually apply for.

The winning credit card with the most expensive annual fee in Canada goes to the American Express AeroplanPlus Reserve Card.

Temporarily Unavailable

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App-O-Rama (8 Credit Cards Turnover)

ByMatt

I have yet to write a post like this one, even though I get this request fairly often. You have probably read from many different American bloggers who apply for 3-4 credit cards every 91 days (i.e. every quarter). Basically, the reason for this is because after 91 days, that’s 3 monthly cycles, your credit score would have recovered to the point where you can apply for more credit cards. Every 3 months, you want to leverage your high credit score to qualify for several cards. The reason we would apply to 3-4 at once, is because it used to take more time for the credit bureau to update our credit scores. So if you apply for 3-4 on the same day, all institutions would see the same high credit score to help you qualify for your credit card.

*Read more about credit scores in our designation section of the blog: Credit Scores Section.

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Top Cash Back Credit Card Offers for January 2020

ByMatt

A new year means we should expect some new offers. But for now, most offers are rolling over or extended (namely National Bank) from 2019. Most offers are expiring at the end of March.

Note that this post focuses on temporary offers. Our Top Cash Back Credit Cards page continues to list current offers that are not exclusive to limited time offers like this post.

Highlights

The biggest change to the list is the Scotia Momentum Visa Infinite Card coming back with its 10% cash back welcome offer, along with the first year fee waived. The TD Cash Back Visa Infinite Card extended its matching introductory offer, but has a weaker normal earning ratio than the Scotia Momentum Visa Infinite Card.

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Top Credit Card Higher than Normal Sign Up Bonuses for January 2020

ByMatt

It’s already 2020! You will notice that most offers are rolling over from 2019, but at many are expiring sometime this month. The rest are expiring in March for the most part. So if you are thinking about certain cards, you will want to jump on them sooner rather than later before it expires. I expect new offers to come up by next month’s list, but if you are considering current offers, now is the time.

Top Higher than Normal Sign Up Bonuses for January 2020

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My 2020 Predictions for the Miles and Points World

ByMatt

Back in 2016, I began a new tradition of trying to predict the travel / rewards market in Canada. The first year was rough, but it got better over the years. How did it go this year though?

Below are my previous scores:

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Best Current First Year Fee Waived Cards for December 2019

ByMatt

The most significant change this month is that all the TD offers expired from last month’s list, but they have new offers in place now. The one card that you might want to give a deeper look at is the Scotia Momentum Visa Infinite Card which is currently waiving its first year annual fee. This offer is coming to an end in a few days.