There are plenty of credit cards with rewards and no fees, and some (like TD) have no fees conditionally if you meet a certain minimum balance threshold.
I've always just done cashback rewards though. I know it's theoretically "worse" than points, value-wise, but they can't change how much a dollar is worth, just the percentage (which they've never done to me yet).
The other thing is just that people love credit card rewards.
Obviously, the rewards come out of the cut that the CC processors take from the merchants, so it's not really free, but at this point, if you use debit instead of credit, you're just paying more for no reason. It will take a big momentum shift of stores refusing to accept credit cards before debit takes over in Canada. Even now, I've seen stores who charge 50 cents to use any type of card under a minimum value, whether it's debit or credit. While that encourages cash for small purchases, it does nothing to encourage debit, which would be significantly cheaper for merchants.
Economically, she's pretty close to Carney, and she's also argued in favour of the environment against the Conservatives before. She'd probably fit in with the Greens, especially during May's "wifi causes cancer" days.
Yeah, the vaccine stuff is pretty bad, but presumably she won't be in a position to influence that sort of policy (and hopefully Canada won't be in a position where we need to think about that sort of policy).
That seems like an ideal use case for EVs.
By not going, I was only saving $7000 a ticket when they first went on sale, but now I'm saving $11k! By Grabthar's hammer, what a savings!
Short term tariffs can allow domestic manufacturing to reach the design and scale to be competitive without tariffs. This was, in theory, the idea behind the 100% tariffs on Chinese EVs. Of course, none of the American auto manufacturers are doing anything with that leeway other than continuing to be terrible.
I'm honestly not even sure what talk about the Epstein files is supposed to accomplish.
Everyone knows the truth. The relevant authorities have the unredacted copies and are straight up refusing to do anything. The administration and all agencies are doing blatantly illegal things every day, and no one is willing to arrest or stop them.
The victims (of all of this administration's crimes, not just the Epstein victims) deserve justice, but I think, at least in America, justice isn't coming from the legal system. It might come when player 2 joins the game.
Yeah, I don't have much hope of it happening in Ontario with our current government. It seems too difficult to use in a way that enriches him or his buddies. Best we can hope for is it happening right before the next election in hopes that we ignore all the corruption and just think "hey, ~~buck a beer!~~ ~~$200 cheques!~~ no more time change!"
Other than the poorly implemented experiment in the States, who else has reverted? Saskatchewan is (effectively) permanent daylight time, as are Argentina, Malaysia, and Singapore. Possibly there's a bunch of other countries that I don't know about as well.
Quebec hasn't passed legislation, but they've agreed in theory to do it if Ontario and New York also do it.
So we're pretty much just waiting on New York.
I don't think there's any laws against this. What I found specifically says:
I know that historically, Visa and Mastercard have prohibited merchants from charging fees for using a credit card, but couldn't do anything about offering discounts if they didn't use a credit card. I believe they removed that from their merchant agreements a while ago, because it was mostly performative, and I don't think they enforced it very well.