Credit-Card-Guide.ca: Your guide to choosing the right credit card

Store Credit Cards

Some of the larger retail store conglomerates are now offering their own credit cards. You can earn points for every dollar you spend, just be careful of the interest rates, some department stores charge an outrageous 28.8% annual interest rate.

President's Choice Financial MasterCard
	No annual fee 19.97% current regular annual interest rate Get 5,000 PC points when you apply online for your President’s Choice Financial MasterCard Get 10 PC points for every dollar spent on the card – everywhere you shop! Up to four additional cards free for family members

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
5.97%	4 months	19.97%	0	-	Yes

Sobeys
	No annual fee 19.9% current regular annual interest rate 2.9% annual interest on balance transfers for 6 months Free additional cards Earn 1 Club Sobeys point for every whole $1 you spend on the card Earn 2 points for every whole $1 you spend when you pay using Club Sobeys MasterCard

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	19.9%	0	-	Yes

IKEA
	No annual fee 28.8% current regular annual interest rate Minimum limit $750 Card member specials Free home delivery of annual catalogue

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	28.8%	0	-	No

Home Depot
	No annual fee 28.8% current regular annual interest rate Minimum limit $300 Special long-term promotions throughout the year

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	28.8%	0	-	No

Canadian Tire MasterCard
	No annual fee 18.9% current regular annual interest rate No fee supplementary cards Ability to earn Canadian Tire ‘Money’ On The Card® awards

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	18.9%	0	-	Yes

Canadian Tire Vacation Advantage MasterCard
	No annual fee 18.9% current regular annual interest rate Earn up to 1.5 Vacation Rewards Points per $1 Ability to earn Canadian Tire ‘Money’ On The Card® awards

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	?	0	-	Yes

Rona Visa
	No annual fee Competitive annual interest rate Minimum monthly payment of 3% of the balance or $10 A regular credit limit for all your purchases and cash advances Additional cards available at no extra charge

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	?	0	-	Yes

Hbc Credit Cards

No annual fee
Get additional cards at no extra cost.
Earn 50 Hbc Rewards points for virtually every dollar you spend outside the Hbc family of stores.
Receive exclusive, money-saving offers throughout the year such as Customer Appreciation Days, and Deferred or Instalment Payment Plans
Use your card at participating Esso stations and earn 50 Hbc Rewards points for almost every dollar you spend

Intro APR	Intro APR Period	Regular APR	Annual Fee	Minimum Income	Rewards
N/A	N/A	28.80%	0	-	Yes

Reward Credit Cards
Cash Back Credit Cards
Reward Credit Cards
Gas Cards
Travel Credit Cards

Everyday Credit Cards
Low Interest Credit Cards
No Annual Fee Credit Cards
Student Credit Cards
Secured Credit Cards

Other Credit Cards
Small Business Credit Cards
US Dollar Credit Cards
Store Credit Cards
Prepaid Credit Cards