Cards work best for you in Canada

Royal Bank/TD: CAD 3.8%   USD3.7% CAD FUND CODE: RBF2010/TDB8150 USD FUND CODE: RBF2014/TDB8152 CIBC: CAD3.65%   USD3.4% CAD FUND CODE: ATL5000 USD FUND CODE: ATL5500 BMO: CAD 3.9%  USD3.5% CAD FUND CODE: BMT104 USD FUND CODE: BMT124 SCOTIA BANK: CAD4.10%(4.15% OVER 100K)  USD4.00%(4.05% OVER 100K) CAD FUND CODE: DYN6000 USD FUND CODE: DYN6001 NA: CAD 3.25%   USD3.4% CAD FUND CODE: NBC100 USD FUND CODE: NBC101

  This limited time offer comes with 50GB data! Get it before it's gone!

  Tello mobile is a US MVNO (Mobile Virtual Network Operator) that uses the T-Mobile network to provide talk, text and data. For people have US credit cards or banking needs, a US cell number is important for 2FA or communications. US VOIP number such as google voice generally doesn't  work.  Last month, Tello started to support ESIM so activation of Tello service outside of US is possible.  Advantages of Tello service: Esim and low cost: plans starting from 5usd and you can switch plan any time Prepaid plan: no contract, no credit check Wifi Calling and free long distance calls to over 60+ countries, if you sign up for this 100 minutes talk plan, you can at least use it while in Canada via wifi calling. Disadvantages: Even though the plan starting from 5USD/month, there are extra fees to be added, which varies depending on the state the number is located.  5G is only available for Android phones 

Royal Bank/TD/CIBC/NA: CAD 3.25%   USD3.4% CAD FUND CODE: RBF2010/TDB8150/ATL5000/NBC100 USD FUND CODE: RBF2014/TDB8152/ATL5500/NBC101 BMO: CAD 3.65%  USD3.5% CAD FUND CODE: BMT104 USD FUND CODE: BMT124 SCOTIA BANK: CAD3.65%(3.7% OVER 100K)  USD3.5%(3.55% OVER 100K) CAD FUND CODE: DYN6000 USD FUND CODE: DYN6001

 It's competing against Amex personal gold credit card on drug store, grocery and gas purchases! Annual fee is also increased, but you will still get the fees 100% rebated! There are also new insurance coverages added. Flight delay insurance is the most important addition!

 HSBC high savings account promotion rates up to 4.75%  4.9% until Jan.27,2023! Bonus interest promotion applied on the new deposits over the balances of Oct.14,2022. If you don't bank with HSBC, you can open a high savings account through Great Canadian Rebate for extra 80 dollars sign up bonus!

  Amex Hilton Aspire card offers annual Hilton Honours Weekend Night Reward after paying annual fees and Amex Hilton Surpass card requires you to spend 15000 USD to receive the reward. Effectively immediately, the reward night can be redeemed Any night of the week!