What kind of holiday spender are you?

The most wonderful time of the year could also be the most expensive time. To help you get the most reward out of your holiday shopping, we made a list of the best credit cards for different types of holiday spender. Which one are you?

The Party Planner
Image of Scotia Momentum® Visa Infinite* Card

Best card for those who spend a lot of money on groceries and hosting supplies + a great limited time offer.

For a limited time, earn 10% cash back on everyday purchases for the first 3 months (up to $200)

4% cash back on eligible gas station and grocery store purchases.

2% cash back on eligible drug store purchases and recurring bill payments after promo period has ended.

1% cash back on all other eligible everyday purchases after promo period has ended.

Annual fee waived for first year ($99 value).

Income Eligibility: $60K/year.

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The Traveller
Image of Scotiabank Passport™ Visa Infinite* Card

Best card for those who spend a lot of money on travel, and a lot of time in airports + a strong spending bonus (value $250).

No Foreign Exchange Mark-Up: You will not be charged a Foreign Currency Conversion mark-up on foreign currency purchases whether you make them online or outside of Canada. Only the exchange rate applies.

Complimentary Airport Lounge Access: Enjoy complimentary Priority Pass™ membership, plus six free visits per year from the date of enrolment.

Earn 25,000 bonus points ($250 value) with your first $1,000 in everyday purchases in the first 3 months.

Earn 2 Scotia Rewards points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases.

$139 annual fee.

Income Eligibility: Any

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The Menu Surfer
Image of American Express Cobalt Card

Best card for those who spend a lot of money at restaurants, fast food chains, bars, and coffee shops.

In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year.

Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada

Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases.

$10 per month of credit card membership ($120 annually)

Income eligibility: Any

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The Last Minute Gifter
Image of SimplyCash™ Preferred Card from American Express

Best card for those who spend a lot of money online shopping + a great limited time offer.

Earn 5% cash back on all eligible purchases (up to $300 cash back) for the first 6 months of Cardmembership.

Earn 2% cash back when your Welcome Rate ends

Enjoy a 1.99% interest in first 6 months of Cardmembership if you choose to transfer your other credit card balances to this American Express card

$99 Annual Fee

Income eligibility: Any

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