Buy personal products & services

The most popular way to buy personal products and services is using Credit Cards.

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A credit card is a payment card used as a method of payment that allows the cardholder to pay for goods and services based on the holder’s promise to pay for them.

The issuer of the card (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.

Credit Card vs Charge Card – A credit card is different from a charge card, where it requires the balance to be repaid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.

Where to get a Credit Card

There are 4 main credit card companies. American Express, mastercard, Visa and Discover.


Visa Credit Cards

Caisses Desjardins Visa Cards
CIBC Visa Cards
HomeTrust Secured Visa
ICICI Visa Cards
MBNA Canada, now Bank of America Visa Cards
Laurentian VIsa Black Credit Card
RBC Royal Bank Visa Cards
Scotiabank Visa Cards
TD Canada Trust Visa Cards

Master Cards

BMO Bank of Montreal MasterCard
CapitalOne Master Card
Canadian Tire Master Card
Citibank Master Card
HSBC Master Card
ICICI Master Cards
National Bank Master Card
RBC Royal Bank Westjet Master Cards

American Express

ICICI American Express Credit Cards

Retail Store Credit Cards Card

Canadian Tire Options Mastercard
The HBC Credit Card
Ikea Credit Card
Home Depot Consumer Credit Card
Petro-Canada Credit Card
President’s Choice Financial Mastercard
The Sears Card
Shell Airmiles Mastercard
Shell Vision Mastercard
Wal-Mart Credit Card
Rona Visa Desjardins
Bureau en Gros / Staples