Discussions

I currently have a Cash Back Visa card from RBC with an annual fee of $20 ad I'm not sure of the interest rate. I only use it a handful of times per month when I shop in multiple stores a day to keep my debit card transactions down then I just pay it at the end of my shopping trip. I only get around $25 a year in cash back so I feel like there are other cards with no annual fee and better benefits out there. What's your go-to card and why? Any bad experiences? Thanks!

Walmart mastercard. I buy everything with it and pay back the amount right away-I only got it in February and already have had $170 in free walmart merchandise. There is no annual fee.  
 
I previously had a no fee CIBC mastercard but the bank has replaced it with a visa-which has a very different cash back schedule. The Walmart card is much better for my use.

I have both PC bank accounts and their Mastercard. I also buy my gas at Superstore. I don't use my Mastercard very much anymore, but between the Mastercard, shopping at Superstore & buying gas, I get about $40-$80 per month of free groceries per month.  
 
There's no fees for either the bank accounts of credit cards, although the rate is the usual 18-19%. Not a problem if you're paying it off every time, however.

How do u pay these? Do they need to be paid in store or can you pay the balance online?

You just add "Walmart MasterCard" or whatever store card as a bill in your online banking (with your CC account number) and then "pay a bill" directly from your main account. It's pretty slick.