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Current 10% and Above Cash Back Offers for February 2023

You may have noticed by now that we started adding or expanding our commentaries to our monthly posts. Today is no different as we list the top cash back credit cards currently offering at least a 10% cash back bonus promotion. There are many other cash back offers out there too, but because the market is very competitive now, only the 10% and above promotions make it to our monthly list.

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Credit Cards which offer Free Airport Lounge Access (updated February 8, 2023)

This post was due for an update. With travel pretty much back in full swing, airport lounges are filling up again, overcrowding if anything. Part of the reason is because there are quite a few credit cards out there that offer free lounge access. Even just 10 years ago, there were only a handful of Canadian credit cards that offered free lounge access. Since then, the list seems to grow longer and longer. 

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Top Credit Card for Purchasing Groceries (updated on February 6, 2023)

Several major grocery chain stores in Canada had a price freeze on their in-house products, such as Loblaws’ No Name brand. The price freeze was to help shoppers offset against the high inflation between October 17, 2022 and January 31, 2023. This month, we are back to free for all. Today, let’s re-visit the best credit cards, along with some calculations (found below each credit card) to use on grocery spending.

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

Beginning this month, I will attempt to put a commentary below each credit card instead of writing a summary at the top. Over time, I will look at expanding my commentary more.

This post is designed to list all the temporary higher than normal sign up bonus offers across the country. The cards are listed by expiry dates, with the ones expiring first at the top. If there is a tie-break in terms of expiry date, then it is sorted in alphabetical order.

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Current 10% and Above Cash Back Offers for January 2023

For this month, Tangerine extended its offer that expired last month to expire this month instead. The rest of the offers remain the same. 

Keep in mind that we still have the Top Cash Back Credit Cards page, which includes permanent and temporary offers if you wish to see a more complete list of cards, not just cards that offer at least 10% cash back.

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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.