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Choose a card program that aligns to your current spending habits and rewards that suit your lifestyle.

Given the number of choices, how do you decide what card and program is the best one for you?

Compare using our services. We help identify the rewards or cash back that can be earned based on your spending habits.

Credit Card Types

These cards provide various benefits such as frequent flyer point programs, discounts on car rentals, hotels and other travel protection.

These cards allow consumers to earn rewards on everyday purchases that can be redeemed against the purchase of a new or used automobile, auto-related expenses or merchandise.

Balance transfer credit cards allow consumers to consolidate their credit card debts onto a single card. Typically, these cards offer a low introductory or 0% Annual Percentage Rate (APR). Most card Providers charge a service fee on these transfers (i.e. A Percentage of the value). Be sure to review all the features and charges of each offer that you are interested in to ensure you are getting what you require.

A low interest credit card will provide either a low fixed-rate Annual Percentage Rate (APR) or a low introductory APR.

A credit card that can save you money by not charging an annual fee.

A cashback reward program is an incentive program operated by credit card companies where a percentage of the amount spent is paid back to the card holder.

Card holders typically receive between 0.5% and 2% of their net expenditure (purchases minus refunds) as an annual rebate, which is either credited to the credit card account or paid to the card holder separately.

Things to consider:

Limitations: Most cashback credit cards have a maximum cash back threshold, so the cashback is a percentage of the amount spent per year, but to a maximum value. Preferred Retailers: Sometimes the cashback percentage varies depending on the type of purchase and the retailer.

A points reward program is an incentive program operated by credit card companies where points are rewarded against the amount spent per billing cycle.

Card holders typically receive points against their net expenditure (purchases minus refunds) as a monthly reward, which can be redeemed for products and services from partners of the Credit Card Company.

A student credit card is designed for high school and post secondary students. These will have different requirements for approvals, appropriate limits and rewards.

Credit Score

Your Credit Score is an element on how lenders judge if they are comfortable lending to you

The better your credit score the better your chances are of getting a credit card, a loan or even a mortgage, along with great rates for each.

If you have a low score or ther eis room to improve, checking your credit report can help you see whether the information on it is correct and understand what could be affecting your score

This is a personal report that highlights your credit history. It contains information of all the mortgages, credit cards, credit lines, loans, mobile phone contracts you have applied for and the results of that application (whether you were approved or declined). It even holds your bill payment behaviour for some utilities such as gas, electricity and water bills .

This report provides a snap shot of your behaviour on managing debt and your finances. Your behaviour is important as it helps them understand how you would cope with more debt.

Lenders require your permission to review your report. They normally review your report during the application journey. Your results normally are reviewed against the risk appetite of the Lender. If you are a customer that fits within their risk level, then they will likely lend to you

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