Good tier list. Yeah poor Tangerine. Just got it last year and it's already obsolete. It is the only cc to give actual cashback too. I will definitely keep triangle WE in mind when I do start paying utilities.
@lispmanfinance
6 ай бұрын
Sad eh? Without the Rogers Card, Tangerine is easily one of the best backup cards in Canada…..sigh…
@is-sam
10 күн бұрын
But you do get 2% cashback on 2 categories of your choice which the rogers or even other credit cards doesn't offer?
@TheCounterpointer
5 ай бұрын
I’m sticking to 4 cards - Rogers as main; Simplii for restaurants; Scotia Momentum for Groceries and free installments; Canadian Tire for bill payments
@lispmanfinance
5 ай бұрын
Thats a sick combo right there
@evanchisamorejohnston5819
6 ай бұрын
Congratulations on growing the channel so quickly!
@lispmanfinance
6 ай бұрын
Thank you!!!
@dylanwhittaker3457
4 ай бұрын
TD Aeroplan card is great when paired with the cobalt to funnel all purchases to aeroplan points, use the cobalt everywhere possible and the TD where amex isnt taken - IMO should be ranked much higher as it usually has great welcome bonus
@mgj2090
9 күн бұрын
also the image that hes using is actually the 'infinite privelage" and has much higher fees lol
@Kreighzey
4 ай бұрын
Love the content! Please do a part two with TD first class, other AMEX cards, such as the business ones, wealth, simple, cash card, Costco, etc.
@desakota
6 ай бұрын
Nice job! I think a bit harsh on BMO CB WE, given roadside assistance, and that if you do the math, even with 500 grocery cap, it still comes out to avg 4% when spending up to 650, so matching Momentum. Small note: you are using Infinite Privilege images when talking about BMO and TD Visa Infinite cards.
@lispmanfinance
6 ай бұрын
LOL should have been more careful with the images. I agree with you about the roadside assistance. But if you can get BMO CB WE, then you should be able to qualify for Triangle WE which is free and has a better roadside assistance package.
@xavierdube5025
6 ай бұрын
Hey Lispman, did you see ? The BRIM MC cards are dead now. The best card setup right now is : 1. MBNA RE WE MC for Grocery stores and restaurants 2. Rogers WE MC everywhere else that takes credit card 3. Triangle WE for Roadside Assistance and bill payments 4. Wealthsimple Cash Card for foreign purchases
@lispmanfinance
6 ай бұрын
Nope I didn't see until I read your comment! The definition of destroying a perfectly good credit card...:( wow...read the card description now. A complete disaster...the new Brim Series HAS to be the first F Tier now
@matthewg9064
2 ай бұрын
@@lispmanfinance Only use of the brim is perhaps their market store now, got 16% cashback at decathlon for instance. But yes, they killed the 0% foreign fee appeal to 1.5% instead a couple months ago. The free card went from 1% on all to 0.5% on all purchases. Really unfortunate.
@1ctf749
5 ай бұрын
Great list. It does suck that our cards are not as good as the us cards, they are just unbeatable in rewards and so much better.
@lispmanfinance
5 ай бұрын
I mean the S tier cards that I ranked can certainly compete with the US cards :)
@michaelpierre-charles5482
6 ай бұрын
Love the content I needed to watch a video like this 👍🏿
@Protocol0328
6 ай бұрын
Nice video as always! For the RBC Avion card though, what do you think of combining this card with the RBC Ion+? From the calculations I’ve looked at, this seems to be even comparable the Cobalt in terms of value, as Avion points are worth a lot when it comes to the RBC redemption schedule.
@lispmanfinance
6 ай бұрын
Honestly the ion+ seems decent in value, especially if you are already with RBC and they are refunding you 48 dollars for the annual fee. Better gas rates at Petro Canada….honestly don’t hate it. Certainly better than the Avion that’s for sure.
@seth_t611
6 ай бұрын
great job! congrats on 10k!
@lispmanfinance
6 ай бұрын
Thank you for your support!
@dudeimjason
Ай бұрын
Rogers is only 3% if you redeem your cash back towards Rogers/Fido/Shaw purchases. Otherwise it's 2%
@monty999000
Ай бұрын
Seems to favor Amex but most places in Canada they don't except Amex and that sucks. what's the point right. TD Aeroplan if you keep minimum $ 5000 in account year around then there is no annual fee and you get all inclusive bank account too, worth mentioning that. Not lot of banks gives benefits based on minimum balance in account. Any ways good comparison of lots of different cards.
@scarboroughnorthfoodie
3 ай бұрын
Great video. Where would you rank the CIBC AP Infinite (non-premium)? If compared to the Dividend Infinite and which would you pair with an AMEX cobalt?
@etienneforget942
5 ай бұрын
The brim Mastercard says it’s now charging 1,5 % on foreign transactions .
@andreec2808
3 ай бұрын
Love it man. Thank you for list them out.
@lispmanfinance
3 ай бұрын
Thank you for your support!
@EmmanuelMotelin
4 ай бұрын
The BMO VISA infinite privilege is a top-tier card better than any other listed on your video, I think you choose the wrong picture for theit lower infinite version on 4:32.
@SBMAN123
5 ай бұрын
Might want to update this video, Brim Financial no longer offers No Foreign Fees
@mattk909
5 ай бұрын
And I had just applied for their world elite card. Good thing I didn't get it I guess
@michaelpierre-charles5482
6 ай бұрын
Is there a better version of the TD Aeroplan Visa Infinite credit card 💳 I don’t feel I’m getting enough value with the Aeroplan point
@lispmanfinance
6 ай бұрын
Yep the Amex Cobalt Card. Just switch Amex points to Aeroplan points at a 1 to 1 ratio!
@michaelpierre-charles5482
6 ай бұрын
@@lispmanfinance ok wow I didn’t know we can do that! Thanks for the info!
@GodwinWoo
Ай бұрын
Good info, but the lisp is hard to handl, also you're missing out on the different insurance benefits that you would otherwise have to pay for.
@etienneforget942
5 ай бұрын
I think you’re making a mistake with the Scotia bank Amex because you can actually exchange your scène point in a good way if you trade them for any travel expense you had on your statement . Also it gives 3 % on gas no the cobalt . Also 5-6 % on groceries . I would rank it better then the cobalt card if it weren’t for the Aeroplan trick .
@wileecoyote6607
4 ай бұрын
I’m smoking a bong to this video
@Classfied1
6 ай бұрын
Did you hear about the devaluation of Brim? 1.5% fx fee and 0.5% reward now.
@lispmanfinance
6 ай бұрын
YEAH! If I have to rerank this, will HAVE to be an F Tier card now. Like there's NO WAY!
@Classfied1
6 ай бұрын
@lispmanfinance We gotta look for alternatives now, sadly.
@terryevp4084
6 ай бұрын
Another great video, Eric, Many Thanks. Channel is growing very fast & many congrats..!!! Eric, Is "Rogers Red world elite Mastercard offers 3 % for everything or only offer 3% redeeming points for paying Rogers or Fido bills ? ( Assuming that you are a Rogers wireless customer ). I am bit confused. Thank you
@lispmanfinance
6 ай бұрын
Just redeeming for Rogers/shaw/fido bills. Sorry wasn’t too clear on that. But for most middle class families, a 45 dollar Rogers bill is 1500 in spendings per month. Which is almost like 3% for everything since you’re going to want to redeem all points towards your rogers bill first. Also, thanks for your long time support!
@terryevp4084
6 ай бұрын
@@lispmanfinance You are awesome. Thanks very much for taking your time to answer my question. I always enjoy your wise Financial wisdom, buddy.
@iNinjutsuu
6 ай бұрын
How about the Costco CIBC?
@lispmanfinance
6 ай бұрын
F tier lol. It is really bad. No cards in this video deserve an F tier yet. But the Costco card might haha
@iNinjutsuu
6 ай бұрын
@@lispmanfinance It's 3% CB on restaurants/Gas at Costco though, is there a better free card that give 3% when eating out?
@lispmanfinance
6 ай бұрын
Yep! Simplii Visa Cash. It’s free
@iNinjutsuu
6 ай бұрын
@@lispmanfinance I heard about it but apparently it's not available in Quebec where I'm ;/
@wilsonw6114
6 ай бұрын
@@iNinjutsuuAgain Rogers 3% on everything 😆
@blueworm123
6 ай бұрын
Broo where’s the Costco CIBC card
@iNinjutsuu
6 ай бұрын
Well the good is only good for restaurants and Costco gas at 3%.
@neweditionmaterial
3 ай бұрын
Hey man can you make a video of your suggested credit card stack you use yearly. Eg credit card a for grocery purchases, credit card b for gas purchases, credit card c for property taxes!!!!
@jamiel2179
5 ай бұрын
Congratulations on the 10k subs! I am wondering what is the reasoning behind putting the MBNA WE MC in the A tier? From the other video I thought it looked like it was a better option than the Scotiabank Momentum to use for bills not including the rent? Or was I mistaken? Also what is the best go to daily credit card? Not high purchases, just a daily credit card to use like in the mall etc. that's not in the resto, gas, grocery category?
@lispmanfinance
5 ай бұрын
Thank you for your support! MBNA is certainly better for regular recurring bills like Phone/Internet/Netflix etc. But Rent is by far the biggest expense in a person's budget. Phone/Internet/Subscription costs like 200-300? Rent in general costs at least 1-2K. Even more...Mathematically, Scotiabank momentum Infinite is a much more important card if you're renting and it really isn't even close. For daily purchase, I would suggest Rogers Mastercard if you're a Rogers customer. Or Cobalt Card which was basically my daily spender.
@jamiel2179
5 ай бұрын
You deserve it! You give so much value. Yes I am getting the Rogers WE MC and I'm just waiting on my Cobalt as well. 😊 But we do have a mortgage so unfortunately we cannot make use of the Chexy. Do you know if I can charge utilities/car/home insurance on the MBNA just like the Scotia?
@lispmanfinance
5 ай бұрын
Sorry for late reply! Yes, some insurance companies allow you to pay via credit card. But most don't unfortunately. But for the ones that do, it's 4% cashback on Scotia!
@jamiel2179
5 ай бұрын
No don't be sorry. It should be me thanking you for your time to read my comment and reply. Decided to go for Scotia Momentum and Rogers Mastercard and it's all because of your informative videos. Thank you! @@lispmanfinance
@wilsonw6114
5 ай бұрын
I realized I had the same conclusion, and just built up and owned the exactly same 3 S-tier cards except for cobalt, plus another random free card 😀 Little low rate in the grocery of 4% from monmentum, but seems not much other better options... except MNBA/cobalt/weird BMO WEMC...
@twangwwfa9017
6 ай бұрын
Scotiabank passport VI?
@lispmanfinance
6 ай бұрын
I can add this to my next list. I do like the 6 complementary lounge access though!
@axaygandhi04
Ай бұрын
Please can you make a video on beginners and students best credit cards
@iNinjutsuu
6 ай бұрын
Hi, I thought the Rogers WE was 3% toward Rogers, Fido purchases only?
@lispmanfinance
6 ай бұрын
Well for most people, that's all their cashback per month. A 45 dollar Rogers bill is like 1500 spent per month.
@iNinjutsuu
6 ай бұрын
@@lispmanfinance Yeah fair enough if you see it from that perspective
@2close2cawl
6 ай бұрын
It's also 3% cash back on US currency purchases, so amazing for travelling with. If you are a Rogers or Shaw customer, as of April 9th, you get 2% cash back on all purchases with the card. And there is no cap on that amount like there is with other cash back cards and you can redeem for cash or credit any time you want (unlike Scotia Momentum, which is once a year I think). PLUS, there is no annual fee for this card! I have had this card for years and won't use any other card. It's just too good.
@iNinjutsuu
6 ай бұрын
@@2close2cawl Yeah I was aware of its great benefits ! I just received the card today , how would it work on April 9th ,I assume you'll have to link the card online ?
@2close2cawl
6 ай бұрын
@@iNinjutsuu "Your use of your credit card account or your credit card after April 9, 2024 will mean that you have accepted these changes and agree that Rogers may share information to Rogers Bank to enable the linking and 2% eligibility assessment." (Sounds like they just are doing a database query themselves to link).
@cloysterX418
6 ай бұрын
Can you make an updated video for best travel rewards credit card? Thanks!
@lispmanfinance
6 ай бұрын
Yep in the pipeline!
@corey.noel53
6 ай бұрын
I need travel credit card info too
@julientousignant9652
3 ай бұрын
How would you rate the TD cash back visa infinite with 139$ annual fee? I get the fee waived by td but curious how you would rank
@lispmanfinance
3 ай бұрын
I might do a review of it in the future. I would say scotiabank momentum visa infinite is much better.
@mauricioniemeyer7135
5 ай бұрын
It'll be nice if you do the same or explain which business card is the BEST in 2024. 🙏🏼
@iNinjutsuu
5 ай бұрын
A few people asked me about Desjardins WE MC, what's your input on it?
@lispmanfinance
5 ай бұрын
Honestly it's pretty meh imo. Cobalt card is 10x better. Heck, I can name 10 cards that's better. The only thing it's got going for it is the 1.5% base cashback. But if you own a Cobalt Card, the base rewards is worth at least 1.5% depending on how you use aeroplan. And for Rogers Mastercard....it's 2% if you own a Rogers product. Realistically more like 3%. So I don't like Desjardins WE value.
@onlineentertainment574
5 ай бұрын
AMEX Air Canada Reserve Black card?
@pawankalra929
5 ай бұрын
I am going to buy 2 return tickets from india, which card do you think i can apply….so that i can get the max cash back for welcome offer….tickets gonna cost from 4000 to 5000$….
@lispmanfinance
5 ай бұрын
That will be a lot of points on Amex Cobalt Card lol. Might as well use that!
@playertwo9895
3 ай бұрын
honestly, just feels like there are no good cards aside from cobalt...
@lispmanfinance
3 ай бұрын
LOL that's half true. I would still consider all those A tier cards though! At least as a backup.
@playertwo9895
3 ай бұрын
@@lispmanfinance I've been using cobalt for ~2.5 years at this point. Occasionally will find a place that doesn't accept (my nearest grocery store, a few bars), but it's generally well accepted in downtown Toronto. Will consider the scotiabank momentum or BMO WE cashback as a backup (currently using a very sad but free RBC cashback card from my student days). Really wish we had better offerings in the premium range ($500+/yr), as everything I've seen is pretty bad relative to US offerings.
@appmania2180
Ай бұрын
@@playertwo9895 Can you share a list of which stores don't accept it. I really want to get this card but I'm put off for the fact it doesn't work everywhere.
@cryptoforcanadians
4 ай бұрын
I learned so much from your video. Thanks for making it!
@lispmanfinance
4 ай бұрын
Glad it was helpful!
@TheCounterpointer
5 ай бұрын
No more free FX for Brim… they just changed it to 1.5%… maybe D tier for Brim now …….
@lispmanfinance
5 ай бұрын
Nah it's F.....they had only 1 thing going....which was free FX....they ruined the only thing making their card relevant
@wikbriks5753
6 ай бұрын
not sure you classified national bank world elite mastercard ?
@lispmanfinance
6 ай бұрын
Nope! But could be a part 2 of this series! Thanks for the suggestion
@The_Dodge_Meister
5 ай бұрын
would love a part 2!@@lispmanfinance
@BunnieBunBun
5 ай бұрын
how is Rogers card S tier? 3% cashback is only USD purchases (thats what it says on the website).... im confused :3
@lispmanfinance
5 ай бұрын
For CAD, it's 2% + 50% more if you redeem for Rogers/Shaw/Fido services. That's basically 3%. For most people, your Rogers/Fido/Shaw phone/internet bills is going to be over 45 dollars. That's 1500 in spendings. You're going to be using ALL Your cashback on your Rogers bills. That's a 3% cashback right there.
@wileecoyote6607
4 ай бұрын
Costco cc n tangerine 🍊 in 1 video
@stephenwlee
4 ай бұрын
thoughts on amex green card as first credit card? (18)
@lispmanfinance
4 ай бұрын
Its great! Probably one of the best first time cards!
@LoveSandhu-Reloaded
5 ай бұрын
BRIM now has 1.5% forex fee. It's trash now.
@autonesty4861
5 ай бұрын
Where is the costco card?
@jeffreyguillemette2779
5 ай бұрын
Where are the Desjardins cards
@chandravamsi1920
5 ай бұрын
Roggers Mastercard has 2% not 3% duh
@jauwadhossain3287
6 ай бұрын
really nice video. but u missed the wealthsimple card, i guess its 99% same as brim tho
@lispmanfinance
6 ай бұрын
Wealthsimple card is more of a debit card in my opinion.
@onlineentertainment574
5 ай бұрын
Desjardines Visa Infinite Privilidge. Pls review.
@sergiowadros1109
5 ай бұрын
Where’s Amex gold lol
@RakeshSingh-lj4hh
6 ай бұрын
I never thought td sucked soo much
@lispmanfinance
6 ай бұрын
When you compare their credit cards with others, you'll realize that Td really isn't competitive on most of their credit card offerings. But that being said, MBNA is owned by TD....so can you really say that all TD credit cards suck if their MBNA division has good offerings?
@JC-qk8zc
Ай бұрын
Rogers Mastercard now is 2%?
@janer5444
20 күн бұрын
Yes 2% unlimited and it turns to 3% when you redeem towards Rogers, Shaw or Fido services. So essentially you’re earning 3% cash back.
@evanchisamorejohnston5819
4 ай бұрын
Wealthsimple cash card, I rank it S
@lispmanfinance
4 ай бұрын
It's not a credit card though
@evanchisamorejohnston5819
4 ай бұрын
as an avid credit card user who’s signed up for 10 just this past year I’d say the Wealthsimple cash card is so significant it is worth a mention if not a whole video. The no FX fees and no annual fee already puts it on top of the Scotia passport, then 1% back on top of that makes it an S rank to me
@lispmanfinance
4 ай бұрын
That's a good point. But for me, I'll take that 6 free lounge access and insurance package Scotiabank Passport offers for 150CAD/Year lol. But that's just me. Mst people will be happy with Wealthsimple Cash Card
@scorpioviews
4 ай бұрын
One of the worst reviews i have ever seen. You are comparing apples with ipad. Makes no sense 😂
@mustakimmubeen962
3 ай бұрын
I want to contact you.I am speaking from Bangladesh.I need Canadian master card.I will pay through Binance.
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