Dynamic Duos – we all have our favourites.
Batman and Robin.
Peanut butter and jelly.
Lennon and McCartney.
Whether it be superheroes on the big screen, yummy food in our stomachs, or sweet musical sounds in our ears – people love a good duo.
It doesn’t stop there though.
Did you know that your wallet could have a dream “superhero” combination of its own?
Whether you’re:
- an avid saver,
- a value shopper, or
- an entertainment lover,
…there’s a credit card combination out there that can help you be the personal finance superhero you’re meant to be.
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Best credit card combination for the avid saver
Maybe you’re looking for a credit card combination that will help you earn major rewards to save away for a rainy day.
If you’re making purchases anyway, you might as well earn some major rewards while you do it – and this credit card combo will have you racking up cash-back rewards quick.
Scotia Momentum Visa Infinite
The
That’s right, this card will give you:
- 4% cash back on the first $25,000 spent on recurring bill and grocery purchases,
- 2% cash back on the first $25,000 spent on gas and daily transit purchases, and
- 1% cash back on all other purchases.
The Scotia Momentum Visa Infinite will give you anywhere from 2-4% in 4 different categories.
This card also comes with a pretty comprehensive insurance package, considering that it’s a cash back card, as well as other benefits like concierge service and Visa Infinite perks.
Plus, Scotiabank is currently waiving the annual fee for this card for the first year, so now is the perfect time to see if this card is for you.
Something to note: If recurring bills and groceries are not some of your big expenses, or you spend more than $25,000 annually in the above categories, consider getting the
Find out more details here:
GC: $20
$20 GeniusCash + 10% cash back on purchases for 3 months + 4% cash back on groceries.*
Tangerine Money-Back Mastercard
But what if your spending is split into more than 4 main categories?
The
This card will give you:
- 2% cash back in 2 different spending categories that you choose yourself,
- 2% cash back in a 3rd spending category if you have your cash back deposited into a no-fee Tangerine savings account, and
- 0.5% cash back on all other purchases.
That’s 3 categories that give you 2% cash back, and even better than that, you can change these categories as your spending habits change.
If saving your cash back rewards is at the top of your priority list, why not have all your rewards deposited into a Tangerine savings account?
This credit card combination will give you 7 spending categories you’ll earn between 2-4% cash back in, plus any interest you earn from your savings account.
Get all the details here:
×1 Award winner GC: $120
1x Award winner
Best credit card combination for the value shoppers
Maybe you’re looking for a credit card combination that can help you get the things you want now.
You don’t want to have to pay a big annual fee or wait years for your rewards to add up to anything worth redeeming.
If this sounds like you, this combination will help you earn big cash back and save on fees.
Home Trust Preferred Visa
The
This card will give you:
- cash back on eligible purchases – 1% back on every dollar you spend (with one exception as you’ll see), and…
- save you money when you’re shopping outside of Canada, by waiving the 2.5% foreign currency exchange fee that most other cards charge you.
That’s pretty impressive for a no-fee card.
Whether you like doing your shopping online in foreign currencies, or crossing the border to pick up some American deals, this card would be a great addition to your wallet. However, you won’t earn cash back on any of these purchases.
Get more details here:
MBNA SmartCash World Mastercard
If you want to keep your fees low, but still have a few premium perks in your credit card arsenal, the
…but it shouldn’t.
For an annual fee of only $39, you’ll get a premium card – with all the bells and whistles.
This World Mastercard from MBNA will give you valuable cash back on all of your purchases:
- 5% back on gas and grocery purchases for the first 6 months (up to $500 spent a month),
- 2% back on gas and grocery purchases after the initial 6 months (up to $500 spent a month), and
- 1% cash back on all other purchases – and you can even use it at Costco.
And on top of that, you’ll have access to a comprehensive suite of insurance – 8 different types to be exact – giving you premium coverage, at a nice low cost.
Get all the details here:
Best credit card combination for the entertainment lover
Or perhaps you’re an entertainment junky, like me.
You love heading to the movies, going out to eat, having drinks with friends, or even throwing dinner parties at home.
If that sounds anything like you, this dream team could be the perfect credit card combo for you.
Scotiabank Gold American Express
The
It has one of the highest returns in Canada for every dollar you spend on groceries, at restaurants, and on entertainment – 5 Scene+ points!
Because 1 Scene+ point is worth 1 cent in travel, you’ll be getting 5% back whenever you spend money on food and entertainment.
To make this card even better, you’ll get:
- 50,000 bonus points after spending $2,000 in the first 3 months and $7,500 in the first year,
- 3 Scene+ points for every dollar spent on gas, transit and select streaming services,
- 1 Scene+ point for every other dollar spent,
- a sign-up bonus worth $400 in travel,
- very extensive insurance, and
- access to exclusive entertainment opportunities through American Express Invites.
Scotiabank SCENE Visa Card
Looking for the perfect no-fee card to pair with the
For entertainment lovers, the choice is pretty clear.
Going to the movies is expensive.
And don’t even get me started on the price of movie theatre popcorn.
…but the magic of the big screen has not been lost on me. I love going to the movies.
And the
This no-fee card will give you:
- 5 points for every $1 spent at Cineplex and Cineplex.com, and
- 1 point for every other dollar spent.
Plus, you’ll get 5,000 points just for signing up – that’s 4 free movie tickets!
And since this card is a Visa, it will be accepted more places than your
Get all the details here:
GC: $50
Who’s your favourite dynamic duo?
Do you have a favourite credit card combo in your wallet?
Or do you have a card in your wallet that’s looking for its very own superhero sidekick?
Please let us know in the comments below.
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