
| Save an extra 10% off on Saturday March 6, 2010
When you use your Hbc† MasterCard® or your Hbc Credit Card |

| Save an extra 10% off on Saturday March 6, 2010
When you use your Hbc† MasterCard® or your Hbc Credit Card |
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As the first community ice facility built in the Toronto-area in more than 25 years, the MasterCard Centre will benefit hockey players and enthusiasts of all ages and skill levels, ultimately supporting the growth and development of the sport for the next generation. To all Hockey Fans, from players to parents, the MasterCard Centre for Hockey Excellence provides the opportunity to fulfill hockey dreams, with hundreds of teams from the Greater – Toronto Area and beyond making use of this state-of-the-art facility. Free Skate for Families: Public Free-Skate EVERY SATURDAY, from 2:15 pm – 4:15 pm (September – June) Enjoy Extended Public Free-Skate hours during school public development days, from 1:00 pm – 5:00 pm (for exact days, please consult your public school board schedule). Location: 400 Kipling Avenue
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Value added services include: extended warranties, travel insurance, and loss of job protection. Most cards offer some basic level of value added service, but these services are usually fee based. Reward points can come in the form of third party points (e.g., Air Miles or Aeroplan Miles) or vendor points (e.g., RBC Rewards Points or Shoppers Optimum Points). This article will feature the latter incentive – Cash Back.
There are four major cash back credit cards to choose from in Canada:
The big banks offer variations on these basic cards, but to make things simple we will stick with the no fee versions.
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BMO CashBack Mastercard
Features:
Notables:
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CIBC Dividend VISA Card
Features:
Notables:
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Scotiabank Moneyback VISA
Features:
Notables:
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TD Rebate Rewards VISA
Features:
Notables:
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Best overall card: TD Rebate Rewards VISA Card
Why? It starts off at a 0.50% tier rate rather than the 0.25% rate which the CIBC Dividend VISA Card and the Scotiabank Moneyback VISA offers and bumps up to 1% unlike the BMO CashBack MasterCard.
Runner up: CIBC Dividend VISA Card
Why? The CIBC Dividend VISA Card is the same as the Scotia Moneyback VISA Card, however CIBC has discounts at AVIS Car Rentals and has a larger ATM network than Scotiabank. If you have a CIBC banking account this will matter when it comes down to saving on ATM fees because you can use your VISA card as a regular bank card to withdraw cash from your non-credit card accounts if you link up your CIBC accounts.
Notable mention: BMO CashBack MasterCard
Why? You get 1.5% cash back at Shell Canada. If you go to Shell Canada to use your Air Miles Card, then you can get double the rewards by using this card (Cash Back + Air Miles Points).
Needs fixing: Scotia Moneyback VISA Card
Why? There is nothing unique about this card. Similar to the CIBC Dividend VISA Card (see above). Scotiabank’s answer to this uninspired card is the Scotiabank Momentum VISA Card, which is a contender, but has an annual fee which disqualifies it from this comparison. Seems like Scotiabank is hoping people ignore the Scotia Moneyback VISA Card and opt for the fee based Scotiabank Momentum VISA Card.
Tagged with: [ mastercard, visa ]