前一段时间的集中申卡完毕，列一下以后的升级目标和安排：在CIBC开一个支票账户，申请一张CIBC的Aventura Master Card，累积在CIBC的信用记录。在TD再开一个美元的saving账户，然后将TD Green变成TD US Dollar Card.

CIBC的Aventura Master Card优点如下：

  1. 年费$39加元
  2. 新户奖励2500点数，折合37.5加元，1:1累积Aventura点数。这一点比Aero Classic好多了（1:2）。
  3. 租车保险。
  4. Out-of-Province Emergency Travel Medical Insurance
  5. 附属卡免费
  6. 旅馆保留
  7. 信用管理
  • Personal Spend Manager - create your own personal spend categories to track and manage what’s important to you
  • Credit Report Alerts - stay up-to-date on key changes to your personal credit report so you’re aware of any unusual activity on your credit file
  • Spend Alerts -和国内一样可短信通知，不过在加拿大用处不大 set up alerts through CIBC Online Banking and choose to be notified by phone, email or online message when you’ve exceeded your customized budget or are nearing your credit limit12
  • Fraud Alerts - set up alerts online and choose to be notified as soon as possible about potential unauthorized use of your credit card through alerts by email or online message
  • Identity Theft Assistance - get quick access to guidance and clear instructions on what to do if you suspect you’re a victim of identity theft by calling 1-800-465-4653

Aventura Gold Visa Card金卡和普卡的差别，增加了三项权益，少了一个外省医疗保险，年费很贵。

  • 新户奖励15000点数，折合225加元，比普卡多12500，多187.5加元。
  • Flight Delay and Baggage Insurance for lost stolen, damaged or delayed checked baggage
  • $500,000 Common Carrier Accident Insurance
  • AVIS car rental discounts up to 20% at participating locationss
  • 少了Out-of-Province Emergency Travel Medical Insurance
  • 年费120 附属卡50

如果申请不到金卡，暂时可以用普卡，容易申请，因为另外金卡年费120，用80年费能换的附属权益太少，有车的话，租不了几次车，另外租车贵的是保险，租车费用倒不是很多，而且也不用非在AVIS租车，航班延误和行李延误保险，一般情况下做加航出问题的可能性不大，消费加元坐飞机次数不多，也暂时用不上这个，而用美元消费时，美元TD和国内中银国航卡都有这个功能。

另外：年费有可能通过银行要求waive掉，至少可以要求waive掉第一年的。