本人在加拿大待了10年多了，用过不少卡对于加拿大的信用卡有一些自己的想法，现和大家分享一下。以免大家给推销员忽悠。 下面介绍的卡很多都是我现有和曾经有过的，大家可以参考。对于信用卡的rewards，我的benchmark是要求高于1.5%回报，如果高于2%更好。
A. 用有年费卡（适合于支出高，经常旅游的朋友。考虑到免去的一家人的旅游医疗险，租车险等等，年费还是合算的)
1）AmEx Gold Rewards：旅行相关，买菜，加油和药店（约3%）。白金卡的回报比这个金卡高 但是年费699。目前免年费$150，送2万分, 足够换一张国泰机票飞香港 价值700元。如果申请用这个链接申请GOLD REWARDS Card 可以拿到 35000 AMEX 点 ＝ 20000 ＋ 15000。比链接申请页面上说的再多拿到15000 点 (多年白金卡用户提供的链接)：LINK
2）Scotiabank Gold AmEx：买菜，加油，吃饭，娱乐（4%）。年费$99
3）Chase Marriott：用于万豪酒店（约3%）及加拿大以外支出（约1%）。每年的1晚免房就可抵消年费
4）Capital One Aspire Travel：用于所有其他支出（2%）。这个的实际年费其实才$20
B. 如果只用无年费卡
1）MBNA Smart Cash：买菜加油（5%），半年后买菜（2%，有月
花$400的上限。可以夫妻同时拥有主卡，则为$800上限
2）AmEx TrueEarnings：餐馆（3%），加油（2%）和Costco（up to 1%）
3）Chase Amazon：用于加拿大Amazon网购（2%）和非加元支出（1%）
4）Capital One Aspire Cash：用于所有其他支出（1.5%）
33 条回复
最早 最新 最高分AMEX Gold是申請者拿到20000 MR
\"推薦者(xiling)\"可以拿到15000 MR (~$300吧)...
不是申請者可以拿到35000 MR喔
我下面有整理過 推薦的AMEX卡 AMEX Gold第一年免費 超級推薦 20000 MR ~= $400 CAD吧
Signup CAD AMEX Gold, get 20K MR after $500 spend, 1st year FREE
http://tinyurl.com/jerryamexgold
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AMEX Gold Rewards Card
- 20,000 Bonus Points after $500 spending within 3 months
- No annual fee for the first year. $150/year after
- 2 points per dollar for Travel, Grocery, Drugstore, Gas purchases
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The AMEX Platinum Card
- 60,000 AMEX Membership Rewards Points after $3,000 spending within 3 months
This is 10000 points more than the regular 50K MR after $1000 spending offer
and can be worth more during transfer bonus like 20-25% for Aeroplan, or 50% to BAEC Avios
- 2 x $200 Annual Travel Credit (for first year only).
Use $200 credit before end of this year and then again starting Jan 1, 2014
- $699 Annual Fee ($499 effectively if you deduct the $200 credit)
Other benefits:
- Access to AMEX lounges
- Priority pass VIP for unlimited access to 600+ lounges when traveling
- Hotel: Starwood Gold, Club Carlson Gold
- Cathay Pacific Marco Polo Club Gold membership = OneWorld Sapphire
- 15000 AMEX MR Points PER REFERRAL instead of usual 10000
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申请链接:LINK
现在申请可以一起拿分，邀请申请链接：
https://www.americanexpress.com/canada/en/mgm/mgmeeApplynow.cgi?mgmerCard=goldCard&CPID=999999371&MGM_URN=AAAAEgIWHxAfAQ%3D%3D
Earn our highest Gold Rewards Card points offer of 20,000 Bonus Membership Rewards points when you charge $500 in purchases to your Card in the first 3
我最喜欢的是返现，所以我的组合是scotiabank visa infinite(买菜加油4%，周期账单和药房2%，其他1%)+mbna rewards travel(所有消费一概2%)+costco trueearnings(餐馆3%)
Amex SPG卡申请链接
https://www.americanexpress.com/canada/en/mgm/mgmeeApplynow.cgi?mgmerCard=starWGCreditCard&CPID=999999371&MGM_URN=AAAAEgIWHxcJDw%3D%3D
SPG 点特别值钱。这么好的酒店一天只要3000点，而且税费全包括在里面：
http://www.starwoodhotels.com/preferredguest/property/overview/index.html?propertyID=3088
http://tinyurl.com/jerryamexgold
https://www.americanexpress.com/canada/en/mgm/mgmeeApplynow.cgi?mgmerCard=goldCard&CPID=999999371&MGM_URN=AAAAEgIbDRIXCw%3D%3D
GET ADDITIONAL 11000 MR POINTS FROM THE LINK
https://www.americanexpress.com/canada/en/mgm/mgmeeApplynow.cgi?mgmerCard=starWGCreditCard&CPID=999999371&MGM_URN=AAAAEgIbHBAWAw%3D%3D