Canada’s 10 finest Mastercard bank cards for 2022

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5. Greatest journey bank card

BMO World Elite Mastercard*

In the event you’re an avid traveller however favor to not take part within the Air Miles program, the BMO World Elite card could also be best for you. As an alternative of gathering Air Miles, cardholders earn BMO Rewards factors—at a really aggressive price of three factors for each $1 spent on eating, leisure and meal purchases. BMO Rewards are redeemable for journey and merchandise rewards, and also you’ll attain your objectives quicker with the present sign-up provide of 40,000 factors. For the reason that card is geared in the direction of travellers, it additionally features a strong insurance coverage bundle and complimentary entry to airport lounge entry.

  • Annual charge: $150 (waived within the first yr)
  • Welcome bonus: Earn as much as 30,000 factors if you spend $3,000 within the first 3 months, plus one other 10,000 factors in your first anniversary (value $200 if you pay with factors)
  • Earn price: 3 factors per $1 spent on eating, meals and leisure, and a pair of factors per $1 on all the pieces else
  • Extra advantages: Mastercard Airport Experiences membership, plus 4 annual complimentary lounge passes; BMO World Elite Whole Journey and Medical Safety insurance coverage; prolonged guarantee; buy safety
  • Revenue requirement: $80,000

Get extra particulars in regards to the BMO World Elite Mastercard*


6. Greatest no charge journey card

MBNA Rewards Platinum Plus Mastercard*

Travellers love flexibility—and with the MBNA Rewards Platinum Plus Mastercard, you may select the way you earn your rewards, whether or not it’s journey, money again, merchandise or charitable donations. With quite a few alternatives to gather bonus factors on high of the 2 factors for each $1 spent on groceries and eating places, and one level per $1 on all the pieces else, you’ll rack up the rewards very quickly. And, you don’t have to rush to redeem; your MBNA factors by no means expire.

  • Annual charge: $0
  • Earn price: 2 factors for each $1 spent on groceries and eating places ($5,000 max annual spend per class), and 1 level per $1 on all the pieces else
  • Welcome bonus: For the primary 90 days, you may stand up to 10,000 factors (approx. $50 in money again): 5,000 for registering for paperless e-statements, 5,000 for spending $500 in purchases with the cardboard. Plus, earn 4 factors for each $1 spent on eligible restaurant, grocery, digital media, membership and family utility purchases. (Not out there for residents of Quebec, as an alternative click on right here.)
  • Extra advantages: Emergency providers; buy safety; prolonged guarantee
  • Revenue requirement: None

Get extra particulars in regards to the MBNA Rewards Platinum Plus Mastercard*


7. Greatest for Costco buyers

MBNA Rewards World Elite Mastercard*

MBNA rewards world eliteWhen you’ve got a big household to feed and dress, chances are high you’re all-in with warehouse purchasing. Beforehand, the one card Costco accepted was its store-branded American Categorical, however issues have modified. As of 2015, Costco accepts any Mastercard, which signifies that along with the financial savings you and your loved ones will take pleasure in by shopping for in bulk, there are different perks to be earned out of your grocery spends. Whenever you store at Costco with the MBNA Rewards World Elite Mastercard, you’ll earn 5 factors for each $1 in sure classes and 1 level per $1 on all the pieces else—factors which you can redeem for journey, rewards or money again. And with a journey redemption worth of 100 factors per $1, your subsequent journey may very well be nearer than you assume.

  • Annual charge: $120
  • Welcome bonus: For the primary 90 days, you may stand up to 30,000 factors (approx. $245 in money again): 10,000 for registering for paperless e-statements, 20,000 for spending $2,000 in purchases with the cardboard. Plus, earn earn 5 factors for each $1 spent on eligible restaurant, grocery, digital media, membership and family utility purchases. (Not out there for residents of Quebec.) (Not out there for residents of Quebec, as an alternative click on right here.)
  • Earn price: Earn 5 factors for each $1 spent on eligible restaurant, grocery, digital media, membership and family utility purchases till $50,000 is spent yearly within the relevant class, and 1 level for each $1 on all different eligible purchases.
  • Extra advantages: Reductions at Avis and Price range; buy safety and prolonged guarantee
  • Revenue requirement: $80,000

Get extra particulars in regards to the MBNA Rewards World Elite Mastercard*


8. Greatest for low curiosity

MBNA True Line Gold Mastercard*

Whether or not attributable to an unexpected expense, an emergency or a easy overspend, most individuals find yourself holding a bank card stability no less than as soon as of their life. The trick is to take steps to pay it off shortly, and that’s the place a card with a low rate of interest may also help. The MBNA True Line Gold Mastercard boasts a price of solely 12.99% on purchases (super-low in contrast with the usual 19%-plus) and an introductory price of 0% for six months on stability transfers. Plus, the annual charge is an affordable $39 per yr.

  • Annual charge: $0
  • Earn price: N/A
  • Extra advantages: As much as 9 further customers at no further charge; Journey Help providers, together with assist changing misplaced paperwork, and help in case your baggage goes lacking; buy safety for as much as 90 days; and prolonged guarantee of as much as one further yr on high of the producer’s protection
  • Revenue requirement: None

NOTE: This provide isn’t out there for residents of Quebec.

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