{"id":44330,"date":"2023-08-18T16:18:29","date_gmt":"2023-08-18T16:18:29","guid":{"rendered":"https:\/\/hardbacon.ca\/non-classifiee\/ttc-credit-cards\/"},"modified":"2024-05-22T07:24:36","modified_gmt":"2024-05-22T11:24:36","slug":"ttc-credit-cards","status":"publish","type":"post","link":"https:\/\/hardbacon.ca\/en\/credit-cards\/ttc-credit-cards\/","title":{"rendered":"The 5 Best Credit Cards For TTC Riders"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Since the Toronto Transit Commission (TTC) <a data-lasso-id=\"333153\" href=\"https:\/\/www.ttc.ca\/riding-the-ttc\/Updates\/Pay-your-fare-with-your-debit-or-credit-card\" rel=\"nofollow noopener\" target=\"_blank\">introduced card taps at the gates<\/a> in 2023, commuting in Toronto has evolved. But not all cards are created equal, especially when it comes to maximizing benefits for frequent riders. Let\u2019s dive into why a credit card might improve your TTC travels, and which ones top the list.<\/p>\n\n\n\n\n\n\n\n\n\n\n    <div class=\"best-table\">\r\n        <div class=\"best-table__head\">\r\n                            <div class=\"best-table__head-item\">Credit Card<\/div>\r\n                                        <div class=\"best-table__head-item\">Best For<\/div>\r\n                    <\/div>\r\n                                    <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#1-rbc-ion-visa-card\">RBC ION+ Visa Card<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Daily Public Transit<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#2-bmo-eclipse-visa-infinite-card\"> BMO eclipse Visa Infinite Card<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Maximizing Rewards from Transit Spending<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#5789\">American Express Cobalt Card\u00a0<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Maximizing Rewards from Daily Commutes<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#4-scotiabank-passport-visa-infinite-card\">Scotiabank Passport Visa Infinite Card<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">TTC Riders with Different Spending Habits<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-5-koho-mastercard\">KOHO Mastercard<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Cashback on Transportation<\/div>\r\n                <\/div>\r\n                        <\/div>\r\n        <script type=\"application\/ld+json\">\r\n        {\r\n          \"@context\": \"https:\/\/schema.org\",\r\n          \"@type\": \"ItemList\",\r\n          \"url\": \"https:\/\/hardbacon.ca\/en\/en\/credit-cards\/ttc-credit-cards\/\",\r\n          \"name\": \"The 5 Best Credit Cards For TTC Riders\",\r\n          \"description\": \"The TTC introduced card taps at gates on August 15, 2023. For the occasion, we&#039;ve listed the best TTC credit cards for your next ride.\",\r\n          \"itemListOrder\": \"https:\/\/schema.org\/ItemListOrderDescending\",\r\n          \"itemListElement\": [\"RBC ION+ Visa Card\",\" BMO eclipse Visa Infinite Card\",\"American Express Cobalt Card\\u00a0\",\"Scotiabank Passport Visa Infinite Card\",\"KOHO Mastercard\"]        }\r\n    <\/script>\r\n\n\n\n\n\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Consider Credit Over Debit?&nbsp;<\/strong><\/h2>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">For many riders, using a debit card may not be the most cost-efficient choice. Of course, that changes if they have an unlimited transaction package with their chequing account. The dynamics also evolve if they bank with <a data-lasso-id=\"333154\" href=\"https:\/\/hardbacon.ca\/en\/banking\/online-banks\/\">an online bank that waives transaction fees<\/a>. <\/p>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">On the other hand, credit cards bypass these transaction fees and offer an opportunity to accumulate rewards points. Furthermore, certain credit cards supercharge these rewards by offering higher payout rates specifically for public transit spending. This means each TTC ride isn\u2019t just a commute, but a step towards earning significant rewards or cash back.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Now, let\u2019s explore the credit cards that offer you the most bang for your buck, especially as a TTC user:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\">1. RBC ION+ Visa Card<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n<div class=\"wp-block-affiliate-plugin-lasso\">\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20  md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t<span class=\"absolute left-3 right-3 sm:right-auto bottom-full bg-primary-dark text-white text-center text-sm md:text-base font-medium py-2 px-8 rounded-t-lg w-content mx-auto\">\n\t\t\t\t\tGet up to 28,000 Avion points upon approval^\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/6324a8b757179a4644cb8b42_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/63611904ae43d4001b9b0501\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">RBC ION + Visa Card<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$48<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Purchase Interest Rate:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">20.99%<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Cash Advance:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">22.99% <\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Banner:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Get up to 28,000 Avion points^ - that's up to $200 of value in gift cards\u2020! Apply by November 4, 2026<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Legal note:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">*Conditions apply. Refer to RBC page for up to date offer terms and conditions.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/63611904ae43d4001b9b0501\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Apply now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The <a data-lasso-id=\"333155\" href=\"https:\/\/api.fintelconnect.com\/t\/l\/63611904ae43d4001b9b0501\" target=\"_blank\" rel=\"nofollow sponsored noopener\">RBC ION+ Visa Card<\/a> offers TTC riders 3 Avion points for every dollar spent on daily public transit. Since Avion Rewards points equal 2 cents a piece, the net return for public transit spending is a whopping 6%! But it&#8217;s not the only advantage of the RBC ION+ Visa Card. <\/p>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">It provides the same return rate on dining, grocery shopping, rideshares, and even your digital streaming services with triple points. And what if you spend on something else? You&#8217;ll earn a solid 1 Avion point per dollar spent in other categories. <\/p>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">These points can be harnessed to offset bills, credit card balances, or even used for e-transfers. And for those seeking tangible perks, the <a data-lasso-id=\"333156\" href=\"https:\/\/hardbacon.ca\/en\/rewards-points\/avion-rewards\/\">Avion Rewards program<\/a> offers a diverse range of redemption options. <\/p>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">With an affordable annual fee of $48 and partner benefits from Petro-Canada, Rexall, and <a href=\"https:\/\/doordashcanada.pxf.io\/0ZAGOO\" rel=\"sponsored nofollow noopener\" target=\"_blank\">DoorDash<\/a>, this card ensures daily expenses are both convenient and rewarding. And if you ever drop your phone on a TTC ride, rest easy. The <a data-lasso-id=\"333157\" href=\"https:\/\/api.fintelconnect.com\/t\/l\/63611904ae43d4001b9b0501\" target=\"_blank\" rel=\"nofollow sponsored noopener\">RBC ION+ Visa Card<\/a> comes with inclusive mobile device insurance, along with extended warranties on eligible purchases.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\">2. BMO eclipse Visa Infinite Card<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n<div class=\"wp-block-affiliate-plugin-lasso\">\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20  md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5ff3e0a918430b1206c2fae4_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/www.bmo.com\/main\/personal\/credit-cards\/compare-bmo-eclipse-visa-infinite-cards\/?ecid=af-FEAT2190CC4-EYBMO17&#038;utm_source=BMOMastercard-AffiliateTracking&#038;utm_medium=Hardbacon&#038;utm_campaign=Hardbacon_1x1_EN_CPA_PROS_IN-MARKETSEGMENT_ROS_FINANCEANDINVESTMENTS_ALL_EVI_40000-POINTS-FYF_December2020&#038;utm_content=CC_EVI_1x1_FYF_EN_40000-POINTS_APPLYNOW\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">BMO eclipse Visa Infinite* Card<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$120<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Get up to 70,000 points, streaming service credits, a $50 annual credit, and no annual fee in the first year.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/www.bmo.com\/main\/personal\/credit-cards\/compare-bmo-eclipse-visa-infinite-cards\/?ecid=af-FEAT2190CC4-EYBMO17&#038;utm_source=BMOMastercard-AffiliateTracking&#038;utm_medium=Hardbacon&#038;utm_campaign=Hardbacon_1x1_EN_CPA_PROS_IN-MARKETSEGMENT_ROS_FINANCEANDINVESTMENTS_ALL_EVI_40000-POINTS-FYF_December2020&#038;utm_content=CC_EVI_1x1_FYF_EN_40000-POINTS_APPLYNOW\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The <a data-lasso-id=\"333158\" href=\"https:\/\/www.bmo.com\/main\/personal\/credit-cards\/compare-bmo-eclipse-visa-infinite-cards\/?ecid=af-FEAT2190CC4-EYBMO17&amp;utm_source=BMOMastercard-AffiliateTracking&amp;utm_medium=Hardbacon&amp;utm_campaign=Hardbacon_1x1_EN_CPA_PROS_IN-MARKETSEGMENT_ROS_FINANCEANDINVESTMENTS_ALL_EVIP_50000-POINTS_December2020&amp;utm_content=CC_EVIP_1x1_499AnnualFee_EN_50000-POINTS_APPLYNOW?ecid=af-FEAT2190CC4-EYBMO17&amp;utm_source=BMOMastercard-AffiliateTracking&amp;utm_medium=Hardbacon&amp;utm_campaign=Hardbacon_1x1_EN_CPA_PROS_IN-MARKETSEGMENT_ROS_FINANCEANDINVESTMENTS_ALL_EVI_40000-POINTS-FYF_December2020&amp;utm_content=CC_EVI_1x1_FYF_EN_40000-POINTS_APPLYNOW\" target=\"_blank\" rel=\"sponsored noopener nofollow\">BMO eclipse Visa Infinite Card<\/a> emerges as a strong contender for TTC riders looking to maximize their rewards from transit spending. This card offers an impressive 5 BMO Rewards for every dollar spent on transit, as well as on groceries and restaurants. <\/p>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Each BMO Reward point <a data-lasso-id=\"333159\" href=\"https:\/\/hardbacon.ca\/en\/rewards-points\/reward-points-value-in-canada-how-much-are-they-worth\/\">are valued at between 0.50 and 0.7 cents<\/a>, ensuring TTC users get an effective return of up to 3.5% on their transit-related expenses. Additionally, there&#8217;s a limited-time offer that waives the $120 annual fee for the first year. Given these lucrative rewards, frequent TTC riders stand to benefit significantly from this card&#8217;s offerings.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\">3. American Express Cobalt Card&nbsp;<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n<div class=\"wp-block-affiliate-plugin-lasso\">\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20  md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t<span class=\"absolute left-3 right-3 sm:right-auto bottom-full bg-primary-dark text-white text-center text-sm md:text-base font-medium py-2 px-8 rounded-t-lg w-content mx-auto\">\n\t\t\t\t\tGet up to 15,000 Membership Rewards points\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f46aebc4726ce7207266a75_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/www.americanexpress.com\/ca\/en\/credit-cards\/cobalt-card\/?linknav=ca-en-amex-cardshop-allcards-learn-cobaltCard\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">American Express Cobalt\u00ae Card<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$191.88<br \/> ($15.99\/month)<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">offerTitle:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Earn up to 15,000 Membership Rewards\u00ae points<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">New American Express Cobalt\u00ae Cardmembers can earn up to 15,000 Membership Rewards\u00ae points by earning 1,250 points for each monthly billing period in which you spend at least $750 in your first year.  This adds up to 15,000 points annually, worth up to $150 towards travel or other redemptions. Conditions apply.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/www.americanexpress.com\/ca\/en\/credit-cards\/cobalt-card\/?linknav=ca-en-amex-cardshop-allcards-learn-cobaltCard\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/hardbacon.ca\/en\/compare\/credit-cards\/amex\/american-express-cobalt-card\/\" data-replaced=\"changed-amex\">American Express Cobalt Card<\/a> is a standout option for TTC riders seeking a card that rewards their daily commutes. Not only does the card offer a decent return on public transit spending, but it&#8217;s one of the best rewards credit cards<a data-lasso-id=\"333161\" href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/the-best-rewards-credit-cards-in-canada\/\"> in Canada<\/a>. <\/p>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Cardholders will benefit from an attractive rate of 2 points for every $1 spent on transit, translating to a return that could reach 2.6% back on spending, given the high value of Amex Membership Rewards points, <a data-lasso-id=\"333162\" href=\"https:\/\/hardbacon.ca\/en\/rewards-points\/reward-points-value-in-canada-how-much-are-they-worth\/\">which can be worth up to 1.3 cents each<\/a>. <\/p>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Furthermore, while the card does offer a range of reward rates for different categories, from groceries to streaming services, it&#8217;s the transit-oriented rewards that make it especially appealing for TTC patrons. The card comes with a monthly fee of $12.99, which totals an annual fee of $155.88.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\">4. Scotiabank Passport Visa Infinite Card<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n<div class=\"wp-block-affiliate-plugin-lasso\">\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20 sm:w-[calc(100%-60px)] md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t<span class=\"absolute left-3 right-3 sm:right-auto bottom-full bg-primary-dark text-white text-center text-sm md:text-base font-medium py-2 px-8 rounded-t-lg w-content mx-auto\">\n\t\t\t\t\tEarn up to $1,250 in value\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/best-credit-cards-canada\/#h-17-scotiabank-passport-visa-infinite-best-credit-card-for-lounge-access\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"absolute top-full left-1\/2 transform -translate-y-2\/5 -translate-x-1\/2 sm:-top-22 sm:-right-10 sm:-right-15 sm:left-auto sm:translate-x-0 sm:translate-y-0\">\n\t\t\t\t\t<img decoding=\"async\" class=\"max-w-30 max-h-30 w-auto h-auto\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f31a9ab92ec22115033b2c2_offer_cc_badge\" alt=\"Offer Badge\">\n\t\t\t\t<\/a>\n\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f31a9ab92ec22115033b2c2_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6924a7e67522321bf30d8fa0\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">Scotiabank Passport\u00ae Visa Infinite +* Card<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$150<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Purchase Interest Rate:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">20.99%<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Cash Advance:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">22.99%<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Banner:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Earn up to $1,250 in first year welcome offers, rewards and savings, including up to 35,000 bonus Scene+ points. Conditions apply. Offers ends November 1st, 2026.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6924a7e67522321bf30d8fa0\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Apply now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6541a426f7be7a001b3b6961\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">Scotiabank Passport Visa Infinite Card<\/a> is tailor-made for TTC riders and individuals with diverse spending habits. When using this card, TTC riders can accumulate 2 Scene+ points for every dollar they spend on transportation, which translate into a 2% return on money spent on public transport. <\/p>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">This not only makes it easier for riders to earn rewards on their daily commutes but also on their dining, grocery, and entertainment expenses. Moreover, points can be redeemed for a broad range of travel purchases, including flights, hotels, all-inclusive packages, and even Airbnb stays. If preferred, points can also be converted to cash back rewards through <a data-lasso-id=\"333164\" href=\"https:\/\/hardbacon.ca\/en\/rewards-points\/sceneplus\/\">Scene+<\/a>. <\/p>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">With an annual fee of $139, cardholders are also treated to benefits like zero foreign transaction fees, access to six airport VIP lounges, comprehensive travel and purchase insurance, and dedicated concierge services, enhancing its overall value proposition.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-koho-mastercard\">5. KOHO Mastercard<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n<div class=\"wp-block-affiliate-plugin-lasso\">\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20 sm:w-[calc(100%-60px)] md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/best-credit-cards-canada\/#h-11-koho-prepaid-mastercard-best-card-to-build-credit\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"absolute top-full left-1\/2 transform -translate-y-2\/5 -translate-x-1\/2 sm:-top-22 sm:-right-10 sm:-right-15 sm:left-auto sm:translate-x-0 sm:translate-y-0\">\n\t\t\t\t\t<img decoding=\"async\" class=\"max-w-30 max-h-30 w-auto h-auto\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_offer_cc_badge\" alt=\"Offer Badge\">\n\t\t\t\t<\/a>\n\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&#038;adnetwork=Impact\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">KOHO Prepaid Mastercard Essential<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$48 (with an initial 30-day free trial, then $4\/month or $48\/year).<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee Promotion:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$0 if you deposit $1,000 per month to your KOHO Essential account OR set up a Recurring Direct Deposit.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Earn 1% cash back on transportation, groceries, and restaurants. Plus, start 30 day free trial.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Special Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Get $20 when you sign up for a KOHO account with code HARDBACON and unlock 5% savings interest!* Conditions apply.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&#038;adnetwork=Impact\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&amp;adnetwork=Impact\" rel=\"nofollow sponsored noopener\" target=\"_blank\" data-lasso-id=\"336604\">KOHO prepaid Mastercard<\/a>, which requires no credit check and ensures approval for everyone, offers a range of plans tailored to suit varying financial needs. Starting with the free <strong>Easy<\/strong> plan, riders can enjoy 1% cash back on transportation. For a richer rewards experience, the <strong>Extra<\/strong> plan, priced at just $9\/month, offers 2% cash back on transportation, groceries, and dining. Beyond cash back, this plan offers advantages such as no foreign transaction fees and an attractive interest of up to 4.5% on the first $1000. Whether you&#8217;re on the TTC or dining out, KOHO makes every transaction more rewarding.<\/p>\n\n\n\n\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Navigating the bustling world of Toronto&#8217;s public transit system requires more than just a reliable schedule \u2013 it requires smart financial choices. For TTC riders, a credit card that optimizes transit spending is an invaluable asset. Whether it&#8217;s accumulating points, <a data-lasso-id=\"333165\" href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/best-welcome-offers-credit-cards\/\">benefitting from a generous welcome offer<\/a>, or getting free insurance coverage, the right credit card can turn every ride into a rewarding experience. <\/p>\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\">As the transit landscape of Toronto evolves, so should the tools with which you pay. So next time you&#8217;re aboard a TTC vehicle, let your chosen credit card work behind the scenes, making every trip count towards a brighter financial future.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Since the Toronto Transit Commission (TTC) introduced card taps at the gates in 2023, commuting in Toronto has evolved. But not all cards are created equal, especially when it comes to maximizing benefits for frequent riders. Let\u2019s dive into why a credit card might improve your TTC travels, and which ones top the list. Why [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":44331,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[192,325],"tags":[],"class_list":["post-44330","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-best-credit-cards"],"acf":{"has_no_offer_box":"0"},"_links":{"self":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts\/44330","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/comments?post=44330"}],"version-history":[{"count":0,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts\/44330\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/media\/44331"}],"wp:attachment":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/media?parent=44330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/categories?post=44330"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/tags?post=44330"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}