Just wondering if anyone has a favourite points card, or have opinions on the best points card available in Canada/Ontario...
Right now, I collect Air Miles, Canadian Tire, ESSO and various car-rental/hotel/flight points... I only have the 1% back MasterCard plan, and feel like I could be getting more back for compensation...
Just curious what other people out there like to use...
In terms of credit cards, it depends on whether you're willing to use fee based cards or if you want to stick with a no-fee card. Fee based cards will generally have a higher cash back amount if you're willing to pay the $100 a year or whatever it costs. They generally also have higher income requirements.
If you want no fee cards, you can look into Tangerine which is 2% cash back on two or three categories of your choosing and 0.5% on everything else.
Also, look into something like the Rogers World Elite card which is something like 1.75% on almost everything
As for points card, if you do a lot of your own grocery shopping, look into PC Optimum.
I believe Air Miles is one of the lower value points systems. I haven't done the math but it's typically hard to rack up.
