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It's "Interac", not "Interact".
I advocate for interac for most transactions (cash whenever possible) but be aware of some of the benefits of paying with credit card that are included besides standard rewards programs.
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Your purchases are more protected against fraud. Purchases made via CC are lot easier to reverse in the case of misleading products or unfulfilled services. Interac pay means going to your bank who probably won't do much. But credit cards will gladly clawback money on your behalf with little more than a phone call or reporting the transaction.
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Similar vein, if your card gets stolen it will be much easier to reverse the charges on a credit card than get the money returned to your chequeing account.
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Extended purchase protection. Some card have 'warranties' included with all your purchases. So like if you buy electronics and they break within 1 year you can get your money back. This is entirely card dependent and you need to look it up in your contract terms.
Another tip, contact your online businesses and ask if they take Interac e-transfer. It can save the seller a good amount of money as well.
And avoid using Shopify.
I desperately want to support Interac more, but I get hundreds of dollars in cashback through my Wealthsimple visa.
this post was submitted on 25 Aug 2026
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Buy Canadian
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