Money with AndreyThe 3 Credit Cards I Actually Use
After reviewing more than 20 cards, these are the three I carry in my own wallet: one for everyday spending, one for bills and Canadian Tire, and one for travel.
Rogers Red World Elite Mastercard
A no-fee Mastercard that pays cash back on everything you buy.
Annual fee: $0
- Cash back with a Rogers, Fido, Shaw or Comwave service: 2%
- Cash back without one: 1.5%
Triangle World Elite Mastercard
Canadian Tire's no-fee card, paid in CT Money.
Annual fee: $0
- Canadian Tire, Sport Chek, Mark's and more: 4% in CT Money
- Groceries (not Costco or Walmart): 3% in CT Money
- Everything else: 1% in CT Money
Scotiabank Passport Visa Infinite
A travel card with no foreign exchange fee and lounge passes.
Annual fee: $150
- Sobeys, Safeway, IGA and more: 3 points per $1
- Other groceries, dining, entertainment, transit: 2 points per $1
- Everything else: 1 point per $1
Side by Side
| Card | Annual fee | Network | Income needed |
|---|---|---|---|
| Rogers Red World Elite | $0 | Mastercard | $80K personal or $150K household |
| Triangle World Elite | $0 | Mastercard | $80K personal or $150K household |
| Scotiabank Passport | $150 | Visa | $60K personal or $100K household |