Buy now, pay later vs. credit cards in Canada: which actually costs you more?
Afterpay, Klarna, and Affirm have made significant inroads with Canadian shoppers. They feel free. The actual comparison to credit cards is more complicated.
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11 Apr, 2026
Savvy News
Credit card surcharges in Canada: what merchants can now charge you and how to avoid it
Since October 2022, Canadian merchants can legally add a surcharge of up to 2.4% on Visa and Mastercard transactions. Most have not done it. Some have.
04 Apr, 2026
Savvy News
How interest rate changes are affecting Canadian credit card debt in 2026
The Bank of Canada cut rates several times in 2024 and 2025. Your credit card interest rate has not moved. Here is why, and what to do about the gap.
30 Sep, 2015
Savvy News
Growing trend in better debt management
Canadians seem to be turning things around in terms of debt management. In the past, we noticed a worldwide trend of overspending and many credit card holders were forced to make difficult financial decisions in order to dig themselves out of that credit hole. Today, according the TransUnion's credit monitoring reports, this is gradually changing.
30 Sep, 2014
Savvy News
Costco and Capital One Strike a Deal!
Costco never fails to deliver top value for your dollar and this partnership card is no exception. The Capital One Platinum MasterCard offers great value with no annual fee. This reward card offers no limit on cash back rewards – rare among such programs – with 0.5% return on the first $3000 and 1% thereafter. There are also bonus cash back offers such as 3% cash back at restaurants and 2% on
16 Sep, 2014
Savvy News
Big News from Costco Canada
Costco has shared surprising news regarding their long standing partnership with American Express. In an unexpected move, Costco has announced that they will stop accepting all American Express cards as a source of payment at their Canadian stores, effective December 31, 2014.
