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The 6 BEST Credit Cards for Beginners in 2023
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Күн бұрынJoin our community at princeoftravel.com (enter your email)
2023 is well underway and the credit card landscape is every changing.
In this video, we'll talk about the best Canadian credit cards for beginners, whether you're just starting out along your journey or you're in need of a refresher. With one or more of these credit cards, you'll be well on your way to another year of elevated travel.
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@PrinceofTravel Жыл бұрын
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@michaelreid8857 Жыл бұрын
In my opinion, in order to avoid annual fees and international use fees. Home Trust Visa or Brim Mastercard
@Aubatron Жыл бұрын
With the cibc aeroplane visa card, I found out that if you look at the specific card page for multiple days and keep coming back to it, they’ll sometimes give you a digital offer of another 5,000 aeroplan points if you spend 1,000 in the first 3 months. That’s what I just got, they’re sending the card now. 15,000 points with no fee isn’t bad.
@rotatorcuffs8140 11 ай бұрын
Did the bonus offer show up on the webpage itself, or only after you attempted to sign up? Also was this the base card or the student version?
@Aubatron 11 ай бұрын
@@rotatorcuffs8140 web page itself, regular base card.
@t1mlocas Жыл бұрын
Great vid as usual. Since HSBC World Elite has stop giving 3 points (or 1.5 %) on every purchase and RBC is possibly about to ruin it, I've decided to renew my wallet for those 3 cars : Amex Cobalt, CIBC Aeroplan Infinite and Brim regular Mastercard (for no fx). I'll collect the bonuses and see what's better next year :P
@electricrancid Жыл бұрын
I got the BRIM as well for no annual fee and my internet subscriptions that are in USD pricing to save some money, and where AMEX is not accepted.
@doom2060 Жыл бұрын
My not the Scotiabank Passport instead of the Brim? You’ll get the lounge passes that way
@revaddict Жыл бұрын
You really need to do a super pro version of this.. 😂
@charangrewal6113 Жыл бұрын
What are your thoughts on the TD First Class Visa Infinite card?
@jayzee316 Жыл бұрын
prince of travel videos always teaches me something new, while Ricky's channel videos always makes me wonder how can I get there lol
@audreypangilinan6453 4 ай бұрын
Very informative and concise videos… thanks for guiding me in getting my cobalt amex🥳🥳🥳
@averydoreen Жыл бұрын
“Travel is a key tool in the life tool box” earned a subscription immediately 😭😂
@KyleJess Жыл бұрын
Curious how the points systems work when travelling... IE, we travel full-time, rarely in Canada, yet the majority of the points systems seem to only offer point earning opportunities with purchases made within Canada. Would you give any suggestions for Canadian citizens/residence, who travel and make the majority of their purchases outside of Canada?
@dardardarmadelozo1289 7 ай бұрын
what job do you have?
@electricrancid 8 ай бұрын
I rewatched this and have recently got the HSBC WE Card. It took me a few months to realize how good of a card it is. But one of the best things, I think Walmart codes as GROCERIES where I am cause I keep getting 4x the points there. It's my goto for Walmart, Foreign transactions and alot of stuff recently.
@xlite4999 8 ай бұрын
They've stopped issuing it. Also they've rejected me twice 😢 On the MasterCard network. Walmart codes as groceries.
@pointsforparadise7745 Жыл бұрын
Always looking forward to your videos 🤩
@drr1384 Жыл бұрын
Does anyone expect Aeroplan to "fix" their dynamic pricing? Looking at a random flight to London in January 2024 comes out to 215k points. Not sure how they can claim dynamic pricing due to demand when not a single seat is booked on the flight
@solotrippin09 Жыл бұрын
they wouldn't
@F0x__22 Жыл бұрын
50,000 points if you get the CIBC Aeroplan if you sign up on your mobile phone (Digital Offer)!
@rotatorcuffs8140 11 ай бұрын
You mean for the free no-fee card? 50k points is a pretty big jump from 10k.
@F0x__22 11 ай бұрын
@@rotatorcuffs8140 not sure what you’re talking about. Anyways that offer is gone now.
@DonkeyKong2023 Жыл бұрын
With the HSBC Premier World Elite MasterCard, you can bring down the effective annual fee to 0 if you have an HSBC premier account....they will give you a 49$ credit, and they waive the first year of fees too, FYI. It's basically the same card except the name has premier in it.
@Omar-cd2ij Жыл бұрын
Cringe. Everyone who qualifies for HSBC premier already knows this, you keep spamming this on Reddit, you're just trying to flex at this point.
@DonkeyKong2023 Жыл бұрын
@@Omar-cd2ij I do? Hmmmm, not me. 💪
@Warun16 Жыл бұрын
AMEX cobalt or aeroplan? Which is better? I feel like cobalt gives more aeroplan points???
@erickgarcia8333 Жыл бұрын
Cobalt
@arungupta9140 Жыл бұрын
Out of curiosity, why do you recommend the TD Aeroplan card versus the American Express one?
@beforeicroakt9271 Жыл бұрын
Buying a new car but the dealership will only allow $3000.00 max to be put on credit.. trying to think of a work around to not miss out on points.. any smart folks with ideas?
@markcluff7104 Жыл бұрын
Thank you Can you do the same for business cc’s ?
@santiagomontoya7012 11 ай бұрын
I have an amazing credit score and a decent income. However, I´m still an student and I do not meet most of the income requirements for the cards. I got the cobalt, but the scotiabank advisor jut told me not to lose my time trying to ask for the visa infinite passport. Is there a way around the income requirements? Should I take my chances still?
@flagzau Жыл бұрын
Should I switch my Amex Cobalt card to to Amex areoplan to reep in the bonus? I’ve already have the TD areoplan infinit
@photoMorg Жыл бұрын
so what is a TD premium bank account to pay no fee on your credit card
@user-pc5kr6dp5n Жыл бұрын
I don't mind the high annual fee for most Amex cards. Ive been using my credit card to pay rent so I just like to know what card offer the most cashabck and recurring bills.
@ephflores Жыл бұрын
How do you use your credit card for rent?
@allenbaria9716 Жыл бұрын
@@ephfloresLook up Chexy.
@cristinas7226 Жыл бұрын
Scotiabank Gold Amex is now 6x points for food/dinning category
@HimzF2P Жыл бұрын
Is there any way of waiving minimum annual income for those credit cards?
@gerrygibeault Жыл бұрын
I've found that the bank kiosks in airport locations don't seem to be too concerned about minimum income rules.
@doom2060 Жыл бұрын
Just apply and put your income to whatever requirement there is. Except scotiabank
@HimzF2P Жыл бұрын
Just got refused at TD. I even had a score of 800. I guess they really do check.
@acekillla Жыл бұрын
@@HimzF2P TD is the one bank thats known for random declines, you will have to call them to reconsider/tell you the reason
@AmitSharma-lh3pm Жыл бұрын
Could you explain how grocery shopping for 5x points works on the cobalt? Like what qualifies and what doesn't.
@ashishadhikari1904 Жыл бұрын
I use the Cobalt on grocery stores. One thing to keep in mind, not all grocery stores accept it. But if you have Super C or local Indian stores that accept AMEX, you can earn 5 points per dollar. Also you can order 5 points if you order grocery from Uber Eats.
@ashishadhikari1904 Жыл бұрын
But this card is worth it. I have gained so many points on my spend.
@rafaelsilvatorres3689 Жыл бұрын
Walmart doesn’t count, costsco doesn’t count, no-frills doesn’t accept. So you can try sobeys, food basics, because they don’t sell anything but food. Those other chains doesn qualify because you can buy other things there other than food
@kathryngalajda3553 Жыл бұрын
Sobeys accepts Amex
@ashishadhikari1904 Жыл бұрын
@@kathryngalajda3553 yes we don’t have Sobeys in Quebec. Here we have Provigo of Loblaws but surprisingly they don’t accept AMEX. Even Canadian Tire / Jean Coutu / Pharmaprix don’t accept AMEX. My major earnings from the Cobalt Card are from Uber eats, restaurants and bars. And the grove ties i know who accept AMEX
@90sballers45 Жыл бұрын
Yo Rick 6:18 could i get 5x point on grocery and dinning outside Canada?
@West996 Жыл бұрын
Can I just have my spouse add the platinum card to her apple wallet and circumvent the need for a supp card or is that against the terms?
@vincentroy87 Жыл бұрын
He never miss with these videos.. I need a card to compliment my cobalt bad. I have the desjardins student credit card and it sucks.
@AmitSharma-lh3pm Жыл бұрын
Avion Platinum, record high sign up bonus is completely worth it. I got approved as a student.
@vincentroy87 Жыл бұрын
@@AmitSharma-lh3pm What do you think about the new ion+ rbc card? It gets 3x the avion points compared to the regular avion card which is only 1 point for everything.
@AmitSharma-lh3pm Жыл бұрын
@@vincentroy87 I'm fairly certain those points can't be transferred to airline partners unless you hold an avion card
@philkhk Жыл бұрын
HSBC's WE card, how do you apply the $100 credit to the purchase purchase? Do we have to call or they automatically detect travel spending and waive those charge? Thanks
@hanneskan Жыл бұрын
If you go to your HSBC rewards portal, you can find it under one of the drop down menus!
@mohammedsaadyaseen3372 10 ай бұрын
Now that HSBC WE Mastercard is not open to public, which Mastercard do you suggest to use alternatively?
@PrinceofTravel 7 ай бұрын
Try MBNA WE MC, that one is gaining some steam lately
@ChrissyPafford Жыл бұрын
How do you figure Toronto to Vancouver is coast to coast?
@sarahbey1304 Жыл бұрын
Are you sure these are "beginner's" cards ??
@georgiabell3591 10 ай бұрын
What about CIBC adventura infinite???
@hannahlai9396 Жыл бұрын
how long does it take for HSBC points to be transferred to KRIS?
@mikeyoung7640 Жыл бұрын
Do you need to bank with Cincinnati to have there adoption card
@madihazaidi4826 Жыл бұрын
What about RBC Avion Visa Infinite card?
@Omar-cd2ij Жыл бұрын
Great video Ricky :)
@lotfibouhedjeur Жыл бұрын
Timestamps ?
@wwrr717 Жыл бұрын
Can u make some videos in Chinese? Or add Chinese subtitle
@Molinski44 Жыл бұрын
HOW I GET THAT HOODIE THO?
@hughm.4333 Жыл бұрын
where would you rank the bmo eclipse card?
@Zerphane 4 ай бұрын
We going to get a 2024 update?
@PrinceofTravel 4 ай бұрын
Noted! We will get on it soon!
@Zerphane 3 ай бұрын
@@PrinceofTravel Awesome, Thanks
@A_chaos_00 2 ай бұрын
make a us one smh
@evanchisamorejohnston5819 Жыл бұрын
First!
@joellenlin1212 Жыл бұрын
looks like Avion didn’t make the list despite the merge of Avion and Ampli.🤷🏻♀️
@andreec2808 Жыл бұрын
Third!
@aldhalla3432 Жыл бұрын
Do you know if AMEX Canada is going to offer the brilliant card ? @princeoftravel
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