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Top Credit Card Higher than Normal Sign Up Bonuses for January 2023

For this month’s list, quite a few offers (between Scotiabank and TD) expired on January 3, 2023. While National Bank and RBC have promotions expiring before the end of the month. Scotiabank pushed its offer till the end of the month, while TD modified some of their offers and now expiry in May. 

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Ranking the Credit Card Portfolios of Each Canadian Financial Institutions (updated December 12, 2022)

For the most part, 2022 was a relatively quiet year in terms of changes to the credit card industry (in terms of permanent offers). There was a significant amount of all-time high sign up bonuses, which do not factor into our ranking system. Our rankings are based on the intention of retaining credit cards for the long term, not based on churning.

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Best Current First Year Fee Waived Cards for November 2022

For this month, you will notice that all the current offers run well into 2023, aside from Brim Financial. All previous offers that were scheduled to expire in 2022 where slightly modified and extended into 2023.

Limited Time First Year Fee Waived Offers

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Current 10% and Above Cash Back Offers for November 2022

For this month, there were quite a few changes relatively speaking. First of all, most of the previous month expiring offers were extended by a few months longer. The BMO Business and Tangerine offers will be coming to an end before it makes it to the next monthly list. Also, we added the Rogers Connections card in the permanent offers section.

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Top Credit Card Higher than Normal Sign Up Bonuses for November 2022

BMO preemptively extended the deadline of their personal card offers until the summer of 2023.
HSBC extended their offers to the end of February 2023.
Scotiabank extended their offers and increased some sign up bonuses.
TD changed up their TD First Class offer, as well as increased its annual fee.
RBC extended their offers throughout end of fall and into the beginning of 2023. The only card that will not make it to next month’s list is the RBC Cathay Pacific offer. Furthermore, two new RBC offers (Ion cards) have been added to the list. 

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Top Credit Card for Purchasing Groceries (updated on October 21, 2022)

I cannot believe that it has been over 6 years since we last updated this post. So we are way overdue for an update. Furthermore, with the way inflation has been going, who does not want to reduce their credit card bill?

First of all, I recommend signing up for free loyalty programs affiliated with groceries to rack up rewards for spending, along with watching for sales. Then triple dip with using a credit card that gives a higher multiplier bonus when shopping at grocery stores.

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Current 10% and Above Cash Back Offers for October 2022

For this month, the Tangerine extended their offer till mid November. The HSBC offers are up next to expiry. Lastly, the American Express SimplyCash Preferred Card is now taken off the permanent offers. The is another reminder that permanent offers can be terminated at any point in time, versus temporary offers that have a known expiry date.