Monday, December 11, 2006

A Little More Competition for Canada's Credit Card Providers

JP Morgan Chase & Co. announced that they would be moving into Canada to offer credit cards. The Globe and Mail's story can be found here:


I would personally like to welcome JP Morgan Chase to Canada. Any added competition to Canada's financial landscape is long overdue. Reading other financing blogs I read about credit card offers that far exceeded anything I have ever seen in Canada. Much like our banking industry, we as Canadians pay more (or receive less) because there isn't enough competition here. Numerous cards in the US offer 0% interest for the 1st year. Here is one example:


I have yet to see a 0% APR offer here in Canada (except for balance transfers). When you consider that interest rates in the US are higher than in Canada, its obvious that providers just don't have any reason to provide us with better offers.

Some cards in the US offer 3% cashback on regular purchases. Take for example the Chase Freedom card. This card offers 3% back on all gas,grocery, restaurant purchases. It also offers 1% back on all other purchases. Oh yeah, its also got a 0% APR for the 1st year. Compare this to the CIBC dividend card. This card is typical of Canada's poor rewards offerings. Its cashback structure is as follows

Tier one - 0.25% for amounts up to $1,500.
Tier two - 0.50% for amounts $1,500.01 to $3,000.
Tier three - 1% for amounts over $3,000.

This is terrible when you compare it to what Chase is offering in the US.

I personally use a Capital One card with a 6.99% annual interest rate. I know that they say that the best credit card is a rewards credit card that you pay in full each month, but I simply haven't found anything in Canada that offers reasonable reward amounts to warrant the additional interest.

I'd be surprised if Chase really makes a big difference, but it cant hurt. Welcome Chase and anybody else who wants to offer me credit.

Note: I wasn't paid in any way for this posting (I'm just venting).

Until next time....


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