Featured Universal Rewards Card: Smart Cash MasterCard® Credit Card

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• Rated: 5.0 out of 5
• Intro APR: 1.99% 10 months on BT*
• Regular APR: 19.99%*
• Annual Fee: $0.00*
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- 1.99% introductory annual interest rate on balance transfers* and cheque cash advances for 10 months
- Get up to 5% cash back on qualifying net retail gas and grocery purchases for the first 6 months
- Get up to 3% cash back on qualifying net retail gas and grocery purchases thereafter
- Get up to 1% cash back for all other qualifying net retail purchases
- Feel secure with around-the-clock fraud protection
- Enjoy free online access to your credit card account
- No annual fee

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The Smart Cash MasterCard Credit Card has a low introductory rate and offers a bevy of cash back options. If you live in Canada and want a simple, but competitive card, this might be the one for you. Read more...

Universal reward cards have plenty to offer each individual cardholder. These credit cards ensure cardholders who take advantage have something to take home as a gift or reward. There are usually many options for reward and cardholders have a variety of ways through which to accumulate points. Cardholders receive points on all eligible purchase transactions. Some programs will also award points to newly accepted cardholders after making a first purchase. Points earned accrue and are easily verified by taking a look at online or hard-copy statements delivered by mail. Cardholders are exposed to lots of reward options like cash, merchandise, travel rewards and unique experiences. In many cases indecision for which reward one should go for becomes a problem once the right amount of points are available. A number of programs set yearly caps restricting cardholders from earning points beyond the limit.