这些卡有的前六个月在买菜加油等处有5%的返现，之后也有2%,有些卡加油买菜4%返现，每年拿回好几百。有的卡开卡就送2万积分，可以对换价值$75的礼品卡，涵盖加拿大加油,百货店各个方面，还不要年费，纯属白拿的福利。新来的学生信用分数低，可以从学生卡开始申请，慢慢建立自己的信用。各种好卡请您往下看：
Scotia Momentum VISA Infinite card
买菜加油4%返现, 药店及按月支付的账单(如电话网络水电煤气)2%返现. 对于家庭日常花销，或是花销较大的个人，无疑将是最佳利器,每年可以拿回$700左右,堪比退税.
还可以到Grocery店去购买其它的礼品卡, 比如futureshop,这样买电器也有4%的返现了。（当然这招不可滥用，否则有可能会被关闭账户)。
*加油及超市买菜4%返现
*药店及按月支付的账单(如手机,网络,水电煤气,甚至Gym的会员费) 2%返现
*其他消费1%返现
*限时(3月31号前)，首年免年费，而后$99
*点击查看详情
Scotiabank Gold American Express Card
*开卡送15000点积分，价值$150
*加油，超市买菜，吃饭娱乐每$1可获4点积分，相当于4%返现
*免费享受各类旅行保险，包括紧急医疗，飞机延误，行李丢失或延误，租车，酒店遭窃等
*限时优惠！首年免年费，而后是$99。
*美国运通American Express在信用卡中，服务最好是一致公认的. 这张专为旅行设计的信用卡，虽说有$99的年费，但是最高4倍积分，各种旅行保险, 对于经常旅行的人士就物超所值了。
*点击查看详情
American Express® AeroplanPlus® Platinum Card
加航白金卡,开卡送30000点，点数可以兑换加航和星空联盟的机票(含国航),75000换免费回国往返机票,25000换北美长程往返,15000换近距离往返。 此卡还可以免费享用加航和全球600多个VIP候机厅，每年换短途机票可以有一次换一送一，享受加航提前登机. 年费是华丽的$499. 不过全球VIP候机厅的membership就值这个钱, 还外加加航的 Maple LeafTM Lounges以及每年一张短途同伴机票。
*Earn 30,000 Bonus Aeroplan®* Miles after you spend $1,000 in your first three months of Cardmembership. Apply by April 1st, 2014 and your welcome bonus can be eligible towards reaching Distinction status in the Aeroplan Program.
*Earn 1.25 miles for every dollar in purchases you charge to the Card, up to $25,000
*Accelerate your earn rate to 1.5 miles for every dollar in purchases over $25,000 annually
*Enjoy an annual 2-for-1 Partner Ticket™ when you redeem 15,000 Aeroplan Miles for a short-haul flight
*Bypass the regular check-in line at the airport with access to Air Canada Executive First®*/Executive Class®* Priority Airport Check-in
*Go confidently with coverage that's as broad as your horizons, including Car Rental Theft and Damage Insurance, Emergency Medical Insurance (out of province/country), and much more.
*As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full
*点击查看详情
SCENE® VISA card
*为学生及爱看电影的达人设计，没有年费，开卡送2000点，够换两张电影票, 看电影消费5倍积分.
*开卡送2000点SCENE积分
*在Cineplex影院或网站消费$1可获5点SCENE积分
*其他消费每$1可获1点积分
*无年费
*点击查看详情
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