For years, Canadian credit card optimizers have had to compromise when traveling or shopping across the border. If you wanted a card with 0% foreign transaction (FX) fees, you typically had to accept a high annual fee (like the Scotiabank Passport Visa Infinite) or settle for a prepaid/flat-rate card with mediocre rewards. Capital One Canada... Read Article
Stop buying things you don’t need just to unlock a credit card welcome bonus. Hitting a $3,000 to $5,000 minimum spends should never involve lifestyle inflation. The golden rule of points optimization is generating “organic spend”—taking the money you are already legally or contractually obligated to spend and strategically routing it through your new credit... Read Article