Clients sometimes ask which credit card I use when they are considering the myriad of options.
Ultimate this, infinite that, gold, silver, platinum…..an almost endless list of choices.
One of my life philosophies is simplicity, so the obvious choice for me is PC Financial MasterCard.
There is no annual fee and points on all purchases equate to 1% cash back.
I can redeem my points for a bunch of items from the PC Financial online store, but the best value is using the points to buy groceries at Loblaws. I shop at Loblaws or No Frills (a Loblaws division) weekly, so as soon as I rack up points I can redeem them. Just yesterday I got three large bags of king crab legs for the value of my points!
By being able to redeem for groceries I know that my points will never languish unutilized for months or years and I get real value once a month (every time I pay my monthly MasterCard bill).
So, my card may not be fancy and may not impress anyone when I flash it, but when my family digs into crab legs with melted butter oohing and aahing, the reward is… priceless.
Rona Birenbaum is a certified Financial Planner and is licensed to do financial planning. Rona is registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the products purchased. Rona is registered through Caring-for-Clients for financial planning services. This website is not meant as a solicitation for financial advisory services. Financial advisory services are available through the facilities of Queensbury Strategies Inc. Financial Planning is not the business of or under the supervision of Queensbury Strategies Inc. and Queensbury will not be liable or responsible for such activities.