Credit Cards Reviews

Wealthsimple Credit Card

The Wealthsimple Credit Card is designed as a modern, flat-rate cashback card built around simplicity and automation. Instead of rotating categories or complicated reward structures, it offers a straightforward 2% unlimited cashback on all purchases, combined with no foreign transaction fees and seamless integration with Wealthsimple investment accounts. This card is clearly positioned for digitally comfortable users who value automation and travel-friendly features but its $20 monthly fee changes the value equation significantly. Let’s break it down. HOW TO APPLY Key Specifications Cashback: 2% unlimited on all purchases (no caps, no categories) Foreign transaction fees: None Network: Visa (includes Visa benefits and concierge services) Insurance coverage: Emergency medical (up to $1 million) Baggage insurance Trip cancellation protection Mobile device insurance Monthly fee: $20 ($240 annually) Fee waiver: Available for Wealthsimple Premium clients holding $100,000+ with Wealthsimple Why This Card Stands Out 1. True Flat 2% Cashback Many cashback cards advertise strong rates but limit them to specific categories. The Wealthsimple card keeps things simple: 2% back on everything. No rotating categories.No spending caps.No exclusions. This makes it easy to estimate…
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Flexiticard

The Flexiti Card is marketed as a convenient way to access 0% interest financing at select Canadian retailers. At first glance, the offer looks attractive: no annual fee, fast approval at checkout, and promotional plans that promise interest-free payments. However, the real story lies in the conditions. If promotional terms are not met, costs can rise sharply. Below, we break down how Flexiti works, the risks involved, and who should or should not consider using it. HOW TO APPLY What Is the Flexiti Card? Flexiti is a point-of-sale financing solution available through a limited network of partner retailers in Canada. Instead of functioning like a traditional credit card used anywhere, it allows customers to: 🛍️ Finance purchases directly at participating stores 📆 Split payments into structured installment plans 💳 Access promotional 0% interest offers for a defined term There is no annual fee simply for holding the card. Approval is typically quick and happens at checkout. How the Flexiti Card Works At its core, Flexiti provides short-term financing tied to participating merchants. Key mechanics include: 🟢 Promotional 0% interest plans…