Best credit cards on Reddit
153 reviews from r/CreditCards, r/PersonalFinanceCanada, r/PHCreditCards and 11 more subreddits
153 reviews from
and
By Brand
/By Product
#1
AMEX
4.8
(14)
"AMEX Gold, period!"
"If you're traveling mostly with AC definitely go for the Amex Aeroplan Reserve."
"I use the AMEX Aeroplan Reserve card (I’m an Air Canada loyalist)."
"If AC, go with the Amex Aeroplan Reserve or TD Aeroplan Visa Infinite Privilege."
"Amex Gold/Platinum gives 2 points (equivalent to a minimum 2%) for every $1 on travel."
"Focus on cards that give the best travel benefits, not necessarily points."
"Get an amex plat and an CIBC/TD Aeroplan VIP or Amex Aeroplan Reserve card."
"The $499/yr fee was more than made up for with the points I generated."
"You want the amex aeroplan reserve. You will build status pretty quick on Air Canada."
"Good travel perks (insurances, lounge access, etc) and earn 2x rewards on travel purchases."
#2
American Express
4.5
(14)
"Free Priority Pass, and you can bring a +1 free of charge."
"Good welcome bonus, lounge access and travel insurance."
"Amex cobolt is the best available card in Canada iirc."
"What I do is have the Amex Cobalt for getting a lot of points."
"Amex plat - Jaraxo explained why."
"Great for travel rewards, especially if you spend a lot on groceries and dining."
"I use amex for travel points!"
"Good for points generation but not a ton of travel specific perks."
"Kinda Amex cobalt because you get good points for whatever you buy mostly"
"The Amex Plat only has 20."
#3
Capital One
4.7
(9)
"I like the capital one venture x business. Big signup bonus."
"Paid for itself multiple times over already."
"Venture X + Savor One since you travel at least once per year."
"College student: Capital One SavorOne (my #1 pick)..."
"SavorOne is 3% back and the entertainment category is very broad."
"Savor One and quicksilver for bills that don't count as streaming."
"No annual fee and good app experience."
"Capital One and Discover tend to be friendlier issuers for new players."
"Savor one has 3 percent cash back on entertainment including AMC theaters"
#4
RCBC
4.8
(8)
"RCBC has the best CS I’ve experienced."
"Dedicated CS hotline, lounge access, easy 0% installment."
"For unli 0%."
"Mabilis din kasi sila sumagot sa hotline and messages."
"Unlimited Installment Feature."
"It’s convenient na wala na akong hihintayin na offer na convert to installment pa and just do it all over sa app."
"I like their CS and real-time sms notifications after using the card."
"Best yung rcbc dahil sa unlipay and installment options."
#5
Amex
4.3
(8)
"Amex business platinum gives 150k points after $20k spent in 3 months."
"I like the Amex BA Premium Plus card."
"I’ve been using Amex Platinum Cashback since forever but just taken the plunge to switch to the Platinum Rewards."
"One such card is the Amex Cobalt which will give you 5x points on grocery story purchases."
"The business plat actually seems like a better card than the personal."
"1% back uncapped Nectar points"
"I prefer Amex BCP and chase FU or SR for my gas and food purchases."
"Might be good options to maximize that category."
#6
Citi
4.2
(6)
"Offers 5% on your most frequent category."
"Citi Custom Cash 5% cashback on $500 spend on a category like grocery/gas/restauarant"
"You get 2% on all purchases."
"Citi Costco card for gas and dining - 4% and 3% respectivly."
"Citi custom cash will get you the 5%, or if you can swing it a travel card."
"It does not have 4% on Costco, there are better cards."
#7
Eastwest
4.6
(5)
"8 free global lounges yearly."
"8.88% cashback."
"8.88% cash back on qualified transactions."
"Eastwest Visa platinum 8.88% cashback."
"Cashback 15,000 per annum ata."
#8
HSBC
3.8
(6)
"5% cashback."
"5% cash back on qualified transactions."
"Cashback."
"5% cb on dining."
"If you can afford to, go for hsbc premier."
"HSBC literally only has one LTF card lol and it's the platinum card."
#9
Chase
4.8
(4)
"Chase Sapphire Preferred is my favorite and is a good starter card for travel rewards."
"The CSR has unlimited priority pass lounge visits."
"I use chase sapphire it always works for me."
"Get a chase account if you haven't already."
#10
US Bank
4.5
(4)
"Excellent card with good credit limit upside."
"US Bank Cash+ is 5%. Theater is one of the 2 categories you can choose."
"Usbar is a good option. An effective point amount of $750 in travel."
"USB cash+ set categories to clothing stores and department stores."
#11
Rogers
4.3
(4)
"You get at minimum 1.5% cashback and if you have any Rogers, Fido or Shaw services, it's 2% cashback."
"The Rogers Red World Elite for where they don't accept Amex."
"Gives you 1.5% in Costco if you are not a Rogers/Fido user, 2% if you are."
"2-3% back no thinking needed."
#12
CIBC
4.3
(4)
"The best all around one for perks."
"Premium cards for AC from CIBC or TD."
"Premium cards for Aeroplane from CIBC or TD."
"I'm thinking of closing my capitol1 cc and getting the CIBC Visa infinite cc."
#13
Wise
5.0
(3)
"Not sure if this is what you are looking for, but how about getting a card from services like Wise or Revoult?"
"Honestly, Wise is a lifesaver for me."
"A Wise debit card is my recommendation."
#14
Axis
3.8
(4)
"Look for Tata Neu, Infinia, Regalia, Axis Select."
"I use axis ace for 1.5% cb directly on irctc."
"Electricity bill payment using Axis Ace on Gpay(Android) gives 5% cashback."
"Getting their fd card also would be good but won’t be as rewarding."
#15
TD
4.7
(3)
"I'm an AC 75K with the TD Aeroplan VIP card."
"Air Canada Flight Pass is probably your best bet, plus the TD Aeroplan Visa Infinite credit card."
"I'd look for an aeroplan card. TD has the best one (privilege)."
#16
ADCB
4.3
(3)
"No card beats ADCB Traveler."
"Definitely keep ADCB Traveler."
"ADCB 365, it has cash back on utilities, fuel, groceries and food."
#17
SavorOne
4.0
(3)
"SavorOne. That will get you 3% on groceries, dining, streaming services, & entertainment."
"You have 3 options: 1) SavorOne, best for general use travel points."
"SavorOne is 3% back."
#18
Capital One Savor One
5.0
(2)
"I would say the capital one savor one which gives 3% back on groceries, dining, entertainment."
"Capital One & Discover are usually the best starter options!"
#19
American Express Cobalt
5.0
(2)
"Amex cobalt for 5x at grocery stores."
"The best combo is Amex Cobalt (for the points multipliers) and TD Aeroplan Visa Infinite or Visa Infinite Privilege."
#20
Chase Sapphire Reserve
5.0
(2)
"We maintain our Chase Sapphire Reserve account in Europe."
"Chase Sapphire Reserve (or preferred if you don't want to pay the annual fee for the reserve)."
#21
American Express Platinum
4.5
(2)
"Best rewards bonus is Amex platinum. Best rewards to earn is Amex cobalt."
"Amex also fits in your spend and rewards category."
#22
BDO
4.5
(2)
"2 free lounge access via Priority Pass."
"Promos."
#23
SBI
4.5
(2)
"Nothing better than sbi cashback as of now."
"Sbi IRCTC Card, 10% cb points in off season."
#24
AC
4.5
(2)
"If you want to use points for international travel this is a no brainer."
"Get the infinite privilege card don't take the cheapest fair and you will hit elite status."
#25
BPI
4.5
(2)
"The cashback really helps."
"Bawing bawing sa PAGSS at 50% off discounts sa mga restos."
#26
U.S. Bank
4.0
(2)
"If you use the U.S. Bank Cash+, then you can get a SUB and get 5% cash back."
"Utilities: U.S. Bank Cash+ or Elan Max Cash Preferred."
#27
Discover
4.0
(2)
"Discover is the 0 Apr card most likely to give you a higher limit and the easiest approval."
"I think everyone mainly starts with the Discover it."
#28
Southwest
4.0
(2)
"If you're a points guy and fly exclusively Southwest then the Southwest branded cards might work for you."
"Obviously I’d look into Southwest branded cc."
#29
Aeroplan
4.0
(2)
"I would also go with AIr Canada. And buy gift cards from CAA."
"You should get one of the Aeroplan partner cards and focus more on building status with AC."
#30
RBC
4.0
(2)
"Has been my go to now for 3 years."
"He got the RBC WJ mastercard and flew WJ only."
#31
Tata
4.0
(2)
"As the other commentor mentioned get a Tata Neu Infinity."
"Look for Tata Neu, Infinia, Regalia, Axis Select."
#32
EmiratesNBD
5.0
(1)
"FREE FOR LIFE - 5% Cashback on Groceries, Fuel, Education, Utilities & Electronics Outlets."
#33
Chinabank
5.0
(1)
"Lagi ko siya ginagamit when im shopping abroad."
#34
IndusInd
5.0
(1)
"Get an Indie (IndusInd) bank account."
#35
EI
5.0
(1)
"So far the best for lifestyle and travel benefits."
#36
Scotiabank
5.0
(1)
"Great for travel rewards, especially if you spend a lot on groceries and dining."
#37
Deem
4.0
(1)
"You will get cashback in terms of Milesup points."
#38
Virgin
4.0
(1)
"Put 10k a year on it and get a companion ticket."
#39
World Elite
4.0
(1)
"World elite is good, I’m sure you are getting lounge access there."
#40
Dubai
4.0
(1)
"Dubai first card is good"
#41
Unionbank
4.0
(1)
"6% cash back on groceries."
#42
UB
4.0
(1)
"The UB Reserve Mastercard for me."
#43
HDFC
4.0
(1)
"Swiggy HDFC if you get it LTF."
#44
Home Trust
4.0
(1)
"Then the Home Trust Visa for no FX fees when traveling abroad."
#45
Costco
4.0
(1)
"Costco card is good for groceries and gas."
#46
Lloyds
4.0
(1)
"If you spend a lot, Lloyds World Elite."
#47
IDFC
4.0
(1)
"Idfc wow is good."
#48
SIB
4.0
(1)
"Start with SIB cashback card. Will give you 10% cashback up to 300."
#49
Airtel
4.0
(1)
"Might upgrade to Airtel Axis or HSBC Cashback for 10% instead of 5%."
#50
Infinia
4.0
(1)
"Look for Tata Neu, Infinia, Regalia, Axis Select."
#51
Barclays
3.0
(1)
"If you spend a lot and can get value from the points, Barclays Avios Plus."
#52
Security Bank
3.0
(1)
"Security Bank's Platinum card and ok sya gamitin for big purchases."
#53
RBS
3.0
(1)
"0.75% uncapped cashback credit card"
#54
Bank of America
3.0
(1)
"Potentially gets 5.25% Walmart.com."
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