A. WestJet RBC World Elite MasterCard

  • Annual fee: $99
  • Rewards percentage: Earn WestJet dollars — 1.5 percent in WestJet dollars for every $1 spent on the card, 2 percent in WestJet dollars for every $1 spent on the card for WestJet flights or WestJet vacation packages
  • Types of rewards: Use your WestJet dollars just like cash towards all or part of your next WestJet flight or WestJet vacation package whenever you want, wherever WestJet flies.
  • Unique advantage: A $250 WestJet Dollars sign up bonus pays for the card for 2-1/2 years, along with a $99 Annual Companion Ticket. You can use towards any booking immediately.
  • Interest rate: 19.99 percent

B. TD first Class Visa Credit card

  • Annual fee: $120
  • Rewards percentage: 1.5 percent earnings on everyday purchases, 3 percent earnings on travel purchases made over the phone with Expedia For TD or the TD Travel Rewards Centre and 4.5 percent earnings on travel purchases made online with Expedia For TD
  • Type of rewards: TD Points can be used for any kind of travel. TD Points may also be used to purchase merchandise and gift cards on TDRewards.com
  • Unique advantage: Flexibility: “Use your TD Points for any kind of travel, anywhere” — TD Points are not just for flights, giving you the freedom to redeem them for train tickets, hotels and/or car rentals — including airport parking, taxes and booking fees. 
  • Interest rate: 19.99 percent on purchases

C. BMO AIR MILES MasterCard

  • Annual fee: No annual fee
  • Rewards percentage: 1 reward mile for every $20 in purchases
  • Type of rewards: AIR MILES reward miles
  • Unique advantage: Earn reward miles on a no-fee credit card and now for a limited time, earn 500 bonus reward miles when you spend $200 or more in card purchases by October 31, 2013. This offer ends August 31, 2013
  • Interest rate: 19.9 percent

D. Scotiabank Gold American Express Card

  • Annual fee: $99
  • Rewards percentage: 4x Scotia Rewards points for every $1 spent at gas stations, grocery stores, on dining and entertainment. 1x Scotia Rewards points for every $1 you spend on all other eligible purchases. 
  • Type of rewards: Redeem points for any travel purchase, selected merchandise, gift cards and more
  • Unique advantage: Offers a low fee coupled with an exceptional earn rate and comprehensive travel insurance. It also provides one flexible redemption options covering any type of travel purchased on your card from any provider with no restrictions, and you can redeem post purchase
  • Interest rate: 19.99 percent on purchases; 21.99 percent on cash advances

E. MBNA

  • Annual fee: No annual fee
  • Rewards percentage: 5 percent cash back on all of your eligible gas and grocery purchases for the first 6 months. Up to 2 percent cash back on eligible gas and grocery purchases thereafter and, up to 1 percent cash back on all of your other eligible purchases
  • Type of rewards: Cash back
  • Unique advantage: Earn cash back at hundreds of your favorite retailers when you shop at the eMall
  • Interest rate: Purchases: 19.99 percent, Balance transfers: 21.99 percent,  Access cheques and deposits: 21.99 percent, Cash advances: 24.99 percent

F. RBC Visa Infinite Avion Card

  • Annual fee: $120
  • Rewards percentage: Earn 1 RBC Rewards point for every $1 spent using your card, earn 25 percent more on all travel-related purchases (rental cars, hotels, etc.), earn bonus points when you shop online through the RBC Rewards eMall.
  • Type of rewards: Redeem your points for travel, merchandise, gift cards/gift certificates and RBC financial rewards
  • Unique advantage: Flexibility and choice —  offering the full gamut of rewards options including travel — with no blackout dates, seat restrictions and your points don’t expire
  • Interest rate: 19.99 percent


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