Scotiabank has two interesting credit card officers I wanted to share with our Moosers. They have a no annual fee student credit card with an annual cash back feature (which is awesome) and they also offer a low interest no fee credit card if you are not a student.

• Click here for the Student No Fee L’earn VISA Card

The Student card offer is really good. It is for students only, ages 18-25 years. Here are the features:

• Earn up to 1% money back every year on the purchases you’ve made with your card
• Interest free grace period of at least 21 days on purchases
• 20% discount rates at Avis Car Rental
• Take advantage of other VisaPerks
• Interest rate of 19.99% on purchases and 21.99% on balance transfers and cash advances

I suggest never carrying a balance. The 1% money back every year is awesome because student expenses can really add up – and that added cash back once a year is fairly nice.

• Click here for the Scotiabank Value VISA Card
  

This is a great card if you need a low interest credit card, without any bells and whistles. If you DO carry a balance on a higher interest rate card, it might be a good idea to switch and save yourself some dollars. It has an annual fee, but the money you will be saving in interest will highly outweigh the annual fee. Here are the features:

• 11.99% interest rate on purchases and on balance transfers and cash advances
• Interest free grace period of at least 21 days on purchases
• 20% discount rates at Avis Car Rental
• $29 annual fee
• 0.99% interest rate on cash advances and balance transfers for the first six months for accounts opened by Feb. 28th

Carrying a balance is never a good idea – but if you have to carry a balance it is best to get onto a card that charges you the least amount of interest.

(Expiry: Unknown)

MBNA is launching a new Sony MasterCard promotion which gives you 10,000 points (instead of 2,000) after your first eligible transaction. This is a $100 value!

•  Click here to view the MBNA Sony Mastercard Application

There is NO annual fee for this credit card. The Sony Card earning system:

• 2 points per $1 spent on eligible purchases at SonyStyle.ca and in Sony stores
• 1 point per $1 spent on all other eligible purchases
• BONUS points on every $1 spent on eligible purchase using your card at SonyStyle.ca and in Sony stores during special bonus point events
• 10,000 BONUS points after your first eligible purchases with your Sony Card

With the points, you can redeem them for lots of great stuff. This offer is only available to new Sony Card credit card holders, or existing cardholders who qualify for an additional account. To qualify for this offer, cardholders must use the account for at least one purchase transaction. Allow 8-10 weeks from the qualifying transaction date for the bonus Sony Points to be posted to your Sony Points account.

Expiry: 14th February 2013

The Bay Canada has some really great deals happening this weekend.  Save 15% on everything when you use your HBC Mastercard or Credit Card with a total savings of up to 70% off.

• Click here to shop @ The Bay Canada

When you use your HBC Mastercard or Credit Card at the checkout, you will save an additional 15% off your purchases this weekend only.  This includes all regular priced items, sale and clearance items.  That is a nice little bonus for just using your credit card.  In addition to this, you will be able to save huge with all of the sales they have on right now. There are deals up to 60% off making your total savings up to 75% off at the checkout.

Here is a look at some other great deals you will find this weekend:

• 50% Off Women’s Fall and Winter Fashion collections
• 60% Off Women’s Fall and Winter Dresses
• Take an Extra 50% Off Women’s Footwear Clearance
• 65% Off All Advancia Cookware sets
• Save up to 70% on Luggage
• 50% Off Men’s Fall Outerwear

There are actually even more sales on than just this in almost all of their departments.  This is a great time to get those items you might not have been able to get over the holidays because you can save so much money on your purchases right now.

(Expiry: 20th January 2013)

If you need a credit card, you might as well get free stays at a Best Western while you’re at it! But how do you obtain this without using some sort of wizard voodoo magic? Why, MBNA and Bargainmoose, of course!

…or you could use wizard voodoo magic. Your call.

• Get a Best Western MasterCard @ MBNA Canada

First thing I have to say is that if you can live without a credit card, please do. I got in a lot of trouble personally with a Credit Card and just recently got out of trouble with it. If you need one, keep the limit as low as is humanly possible. Remember, they need you, you do not need them. Make sure you read the contract before you sign up.

That warning aside, a lot of people need a credit card and this is a great one to get. I work for a competing hospitality company and I know with my points I bought myself a PS3. That’s what a lot of people don’t realize, I think. these hotel rewards aren’t just for more hotel stays. You can get airline travel, gas, meals at restaurants and my favorite, gift cards. I have people who work with me who have helped buy decks, ride on lawnmowers and any number of other products using their points. Now the points we have aren’t Best Western, of course, but it’s the same idea.

I was going to write up all the benefits but MBNA’s PR shills did a pretty good job all on their own so here we go:

• Earn Best Western Rewards points for your everyday expenses
• Receive 20,000 bonus Best Western Rewards points after your first qualifying purchase
• Earn 1.5 Best Western Rewards points for every $1 in net retail purchases
• Receive 50 Best Western Rewards points for every cash advance transaction over $50
• Receive a one tier elite status upgrade within the Best Western Rewards program when you spend $6,000 on your card within one year
• Earn even more Best Western Rewards points by staying at Best Western hotels or spending with our retail partner

(Expires: Unknown, probably not for a long, long time)

American Express Canada is offering welcome bonus points” to new members. Receive 15,000 bonus points for personal use card by making $500 in purchases during the first 3 months of membership. For the small business owners card, receive 25,000 bonus points when purchases reach $3000 within the first 3 months of membership . There is no annual fee for the 1^st year, a savings of $150 to $180 depending on card chosen.

• Click here to get your American Express card now

We don’t often write about credit cards here on Bargainmoose as we’re more into everyday deals and spending, but sometimes there’s a good offer on a credit card which needs a mention. And I am pretty sure that most of the Bargainmoosers have a credit card or two on the go, and don’t mind switching between cards to make sure you get the best offers and rates.

Benefits of American Express Card:

• earn double points on eligible purchases and travel
• points never expire
• use points to pay charges
• transfer points to frequent flyer programs
• no pre-set spending limit
• no annual fee (for 1^st year)
• receive 1 free supplementary gold card (value of $50)
• 0% interest if balance is paid monthly

Visit American Express membership rewards and benefits to view more details. Just make sure you read all the small print before you sign up to the American Express credit card, to make sure it will suit your needs.

If you shop with credit cards, which most of us do now, this might be worth a look. It doesn’t hurt to take advantage of free offers for something you’re going to use anyway!

(Expiry unknown)

If you have an American Express credit card, there are a few exclusive deals and offers available, in various locations across Canada. To get each of these offers, you will need to pay with your AMEX card. Some are in-store only so I have linked to the appropriate printable coupons.

Iyashi Spa Coupon (Toronto)
www. iyashibedrockspa.com
Discount: 15% off
Coupon Code: AMROCK
Expires: 31st December 2009

The Fairmont Palliser coupon (Calgary)
www.fairmont.com
Deal: Various hotel deals
Expires: 24th September 2009

Kerrisdale Cameras coupon
www.kerrisdalecameras.com
Discount: Free shipping on a $50 spend
How: Email orders to orders@kerrisdalecameras.com and a representative will contact you, or order by phone at (604) 263-3221 or 1-866-310-3245.
Expires: 30th September 2009

Best Western coupon (Calgary)
www.bestwesternsuitescalgary.com
Discount: 15% off
Coupon Code: BWAX
How: Print this coupon
Expires: 1st May 2010

FutureShop Coupon
www.futureshop.ca
Discount: 10% off select appliances
How: Print this coupon
Expires: 7th August 2009

Jacques coupon
www.jacqueshome.com
Discount: 15% off
Coupon Code: JHMAY2009
How: Print this free coupon
Expires: 31st October 2009

Thrifty Car Rental coupon
www.thrifty.com
Discount: 15% off
Coupon Code: AXCN
Expires: 31st December 2009

Ruth Chris Steak House coupon (Toronto & Mississauga)
www.ruthschris.com
Discount: $40 free gift cards when you spend $250
How: Print this discount coupon
Expires: 31st August 2009

Relais & Chateaux coupon
www.relaischateaux.com
Discount: Complimentary Night + VIP Welcome
Coupon Code: Romantic Escapes
Expires: 31st December 2009

Budget Car Rental coupon
www.budget.com
Discount: 5% off
Coupon Code: BCD #A672200
Expires: 31st December 2009

Ste Anne’s Country Inn & Spa coupon (Toronto)
www.steannes.com
Discount: Complimentary room upgrade
How: mention this offer when booking
Expires: 30th November 2009

Canadian Snowmobile coupon
www.canadiansnowmobile.com
Discount: 20% off any tour
Mention: “Amex Discount”
Expires: 30th November 2009

Spud coupon (Metro Vancouver, Vancouver Island, Calgary)
www.spud.ca
Discount: 15% off $35+ (new accounts)
Coupon Code: AMEX8
Expires: 1st December 2009

London Drugs coupon
www.londondrugs.com
Discount: Buy 2 identical London Drugs Deluxe Photo Books & you get 2nd photo book for half price.
How: Print this coupon
Expires: 9th August 2009

If you were thinking of signing up to a new business credit card, then check out this credit card deal from American Express Canada. They are doing a limited time offer on their Business Gold Rewards Card. Some of the perks I can see with this particular card:

• Free for a year (Saves $180)
• Free 25,000 welcome points if you spend $1,000 in 3 months (Worth 25,000 Aeroplan miles)
• Membership rewards – earn 1 point for every single dollar charged to your credit card
• Up to 40,000 bonus points per year

Don’t forget to go through Dealguild Canada to get yourself $72 free cashback when signing up to this American Express Credit card! I’m pretty sure you have to be a registered business to sign up, I don’t think individuals can apply. There’s a field on the form for “registered business name.”

I don’t know that much about business credit cards, I’ve never had one. You can see the full terms and conditions on the American Express web page, so be sure you have a good read through them, with a magnifying glass if you need it!

Thanks Andres Rueda.