Highest Cash Back Rewards Credit Card

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Credit cards are a great way to keep your expenses down. In this article, we take a look at the best credit cards available to Canadians in 2020. Let’s take a look at the different refund rates for each card, the maximum gift fees possible, and how to get your money back from each card. We don’t cover every refund card, and most come with an annual fee.

Credit cards with annual fees force you to spend more money, so putting all your expenses on this one card should not be considered unless you spend a lot of money.

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Tangerine offers 2 different credit cards, a cash-back credit card and a global MasterCard. Both cards are similar in their basic feature (cashback), except the World MasterCard has additional benefits and, in addition to those benefits, has higher eligibility requirements.

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Tangerine offers great rewards for their MasterCards. They offer 2% cashback rate on the 2 categories you choose and then 0.5% on each other. Additionally, if you have a savings account with Tangerine, you can get a third category at 2%. The following types are available:

As you can see, there are some popular categories that are not only suitable for preferences, but say 0.5% of all other categories.

Tangerine has no limit to the cashback you can collect, and you pay cash back every month! This is an amazing incentive because you get your money up front instead of once a year. You can spend money and invest it, benefiting from the effects of compounding interest!

As the month progresses and Tangerine pays you, Tangerine offers you 2 ways to redeem. Your first option is Tangerine offers you a loan equal to repay your account balance or automatically deposits your money into Tangerine’s savings account.

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Tangerine World has all the amazing benefits like MasterCard Debit Card and more. To qualify, Tangerine requires you to have additional gross income or the equivalent of 60,000 CAD per year.

With World MasterCard, Tangerine offers access to MasterCard Boingo’s Wi-Fi hotspot with more than 1 million locations worldwide.

By using the World MasterCard in areas outside of your country, you’ll also qualify for a cash-back offer from MasterCard Travel Rewards if the merchants you make purchases from also accept MasterCard. If you rent a car and charge your card rental fees, this card offers collision and loss/damage insurance for up to 31 days.

If you purchase a cell phone or top up a mobile phone bill with your card, this card provides you with up to $1000 in insurance if your mobile is lost, stolen, accidentally damaged or suffers a technical fault. This vaccine also includes pills!

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In addition, this card gives you access to exclusive airport lounges, if you prefer, for USD 32 per round trip. Best of all, there is no limit to the cash prizes you can receive!

As shown in the photo at the beginning of the article, the Costco Capital One Master Card offers highly competitive interest rates. To qualify, you must be a Costco member.

The card offers a 3% cash back rate on restaurants, 2% on gas and 0.5% on everything else. After spending $3000, the cashback interest will increase to 1%. As you can see, this card is very good. You get 2 standard categories at 3% and 2% respectively, and then everything else has the same cash back percentage as Tangerine’s cards. This card doubles as your Costco membership card and you can charge your Costco membership directly to it annually.

Your repayments are only once a year, in January. Costco gives you a store voucher equal to your total refund amount, and you can use this store voucher to purchase product or use it as cash at the customer service counter.

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The Rogers Platinum Credit Card offers 1.25% interest on all purchases made at eligible Canadian merchants! This is a huge advantage compared to other cards as they offer only 0.5% in most categories. Depending on how much you spend on a particular unit, going with Rogers is worthwhile. Rogers cards earn 2% cash back on all eligible Rogers products and regular bill payments, and 3% cash back on purchases made in foreign currencies.

The World Elite Card has additional benefits, and those benefits require an additional 80,000CAD in earnings. If you qualify, this card gives you 4% cash back on foreign exchange purchases and an enhanced refund rate of up to 1.75% on eligible purchases in Canada. With this card, you can get: Foreign / State Emergency Medical Insurance, Car Accident / Rental Insurance, Trip Cancellation Insurance, Trip Interim Insurance and access to a dedicated airport lounge (same as Tangerine, in fact).

Both cards have no limit on the amount you can repay, and you can redeem rewards from the Rogers Credit Card program. Just like Tangerine, you can add gifts as credit to your information balance.

Overall, all three cards have excellent refund rates. If you spend a lot of money at restaurants, you should consider getting the Costco Capital One Mastercard, as the 3% cash back rate offers great value. If you haven’t spent that much money on anything Tangerine offers, you’ll need to submit a Rogers credit card application. The 1.25% interest rate on all purchases is better than the 0.5% rate offered by Tangerine and Costco.

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Make the most of your money, and if you haven’t upgraded yet, there’s no reason not to renew your card. These cards have no annual fee, and saving money on your monthly expenses is a common occurrence. If you have any questions, feel free to leave a comment!

Disclaimer: This article is for informational purposes only. It should not be construed as financial or legal advice. Not all information is accurate. Consult a financial professional before making any major financial decisions. Based on a maximum monthly spend of S$ 6,000, we analyzed the best credit cards on the market to estimate the value returned to the user after 2 years and calculate rebates to make money. Annual fee. As a note, the value of the dollar largely depends on consumer behavior; Intangible benefits (such as unpaid travel insurance and access to airport lounges) are significant but difficult to quantify.

Based on a large monthly spend of S$6,000, we analyzed the unlimited credit cards on the market to estimate the payback value to the consumer after 2 years, calculating discounts and charging annual fees. As a note, the value of the dollar largely depends on consumer behavior; Intangible benefits (such as unpaid travel insurance and access to airport lounges) are significant but difficult to quantify.

Most credit cards in Singapore advertise high discount rates – sometimes up to 10%. However, many of these cards have monthly earning limits. Cardholders who spend enough money to cover their future rewards earn a base rate of approximately 0.40% on the remaining money they spend that month. For average and low-end users, this won’t be a problem. For example, you need to spend S$2,000 to increase the S$100 gift limit by 5%.

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However, those with larger budgets may find themselves shortchanged quickly, earning the minimum floor for most of their spending. Finally, users who spend S$6,000+/month will benefit from unlimited credit cards. Although rates are low (typically 1-2%), the lack of capping allows more users to tap into their full potential.

The UOB Total Cashback Card offers a maximum cashback rate of 1.7% with no minimum usage and restrictions. While the 1.7% refund rate doesn’t seem like much, the no balance, low fees, and isolation make it a hassle-free way to earn money. What makes this card unique is that you can get cash back in categories that aren’t often included with other cards, such as: insurance premiums, school fees, medical bills, and rent. Wallet supplements, services and telecom bills will also be refunded.

Another benefit of the UOB Complete Cashback Card is the unique American Express Card benefits you can enjoy, from a 6-month FoundersCard membership to 50% savings on dining, shopping and accommodation. UOB Absolute offers savings of 20.8% on Shell facilities and up to 24% on SPC.

Wealthy spenders of S$7,000/month can earn more with the Standard Chartered Unlimited Cashback Card than any discount debit card on the market. Customers get 1.5% cash back on all their spending – domestically and abroad – regardless of low spending requirements or high income levels.

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The SC Unlimited card comes with EasyPay, a 0% payment plan that allows users to spread purchases of S$500+ over 6 or 12 months. Unlike other payment plans, EasyPay offers refunds for purchases (if any) on the plan. A processing fee of 5% may be charged to complete the return).

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