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10-01-2013, 11:34 AM
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#226 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 36,420
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Do you guys know if the 5k can be in RRSP ?
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10-01-2013, 06:40 PM
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#227 | | My homepage has been set to RS
Join Date: Jun 2005 Location: Canada
Posts: 2,327
Thanked 1,645 Times in 446 Posts
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Originally Posted by Hondaracer  TD infinite essentially the same as RBC infinite?
Just got an email from RBC saying they now include free trip cancellation insurance on any flight paid on your card
Posted via RS Mobile | i almost switched to this card from the RBC card, but when I called to cancel my card (downgrade to a free card), buddy on the other ended waived my fees so I ended up not bothering
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10-19-2013, 09:32 PM
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#229 | | Revscene.net has a homepage?!
Join Date: Feb 2009 Location: Surrey
Posts: 1,253
Thanked 219 Times in 128 Posts
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CIBC also has a new Aventura Visa. Bonus 30k points, $120 annual fee.
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10-19-2013, 10:14 PM
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#230 | | I *Fwap* *Fwap* *Fwap* to RS
Join Date: Aug 2006 Location: Vancouver
Posts: 1,599
Thanked 492 Times in 125 Posts
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I signed up for AMEX Gold Rewards recently. 25k bonus points which you can convert to aeroplan + $50 from great canadian rebates. Also, first year fee of $120 is waived.
It`s great for me since I plan to visit the east coast of Canada. A flight to newfoundland is about $900. With the points, it`s 25k pts + 155 taxes so for me, it`s essentially an $800 sign up bonus.
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10-21-2013, 10:23 AM
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#231 | | Wunder? Wonder?? Wander???
Join Date: Feb 2009 Location: Burnaby
Posts: 205
Thanked 13 Times in 12 Posts
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If anyone is interested in a no-fee credit card that has no foreign transaction fees (i.e. if you shop in the states a lot or buy online from the states) https://www.chase.com/online/canada/amazon-ca-home.htm
this is just another credit card i have added to my growing collection... good for those quick runs down past the border for gas and day-trips
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10-21-2013, 11:58 AM
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#232 | | Rs has made me the man i am today!
Join Date: Aug 2007 Location: Richmond
Posts: 3,469
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I have that card and I'm wondering.. If I'm paying by Paypal do I ever get dinged by that foreign transaction fee? I haven't looked at this in depth, but whenever I use Paypal the price is always the same between my Amazon card and my bank account or other cards.
__________________ '00 Honda Accord V6 [sold]
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'06 BMW 330i [RIP] '02 BMW M3 '99 Honda Civic SIR [sold] '19 Civic Type R[sold] '22 MINI Cooper SE My Photojournal: simplexcars | |
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10-22-2013, 04:05 AM
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#233 | | WOAH! i think Vtec just kicked in!
Join Date: Mar 2013 Location: Y
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For those with the MBNA Cash Back
What does it mean when you have xxx points?
For example, does 600 points equal to $6 cash back?
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10-22-2013, 06:11 AM
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#234 | | I answer every Emotion with an emoticon
Join Date: Apr 2004 Location: Vansterdam
Posts: 7,972
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| Quote:
Originally Posted by v_tec For those with the MBNA Cash Back
What does it mean when you have xxx points?
For example, does 600 points equal to $6 cash back? | Correct, when you reach 5000 points it will automatically redeem the points and send you a $50 check by mail. Then your points will reset to 0 until it goes back up to 5000 again.
Not hard to calculate how many $'s = points either.
If you're buying regular stuff at 1% say an Xbox for $400, that's 400 points
If you're buying something at Superstore (Grocery Store) or getting gas or even smokes at a gas station take that amount and times 2 = 2%
So the least amount you need to spend is $2500 at Gas Stations and or Grocery Stores to get 5000 points = $50
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10-22-2013, 08:01 PM
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#235 | | WOAH! i think Vtec just kicked in!
Join Date: Mar 2013 Location: Y
Posts: 1,604
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| Quote:
Originally Posted by winson604 Correct, when you reach 5000 points it will automatically redeem the points and send you a $50 check by mail. Then your points will reset to 0 until it goes back up to 5000 again. | Thanks.
Not that it matters much - but curious:
What if you end the month with 5025 points. Do you get a cheque for $50.25 in the mail and points reset to 0?
Or do you always get cheques for flat $50.00?
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10-22-2013, 09:03 PM
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#236 | | My homepage has been set to RS
Join Date: Mar 2002 Location: vancouver
Posts: 2,428
Thanked 68 Times in 27 Posts
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Always $50 flat and you'll just have 25 points left over, instead of starting at 0.
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10-22-2013, 09:06 PM
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#237 | | What hasn't Killed me, has made me more tolerant of RS!
Join Date: Jan 2008 Location: Vancouver
Posts: 155
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Originally Posted by Hondaracer Do you guys know if the 5k can be in RRSP ?
Posted via RS Mobile | Has to be in the chequing account.
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10-22-2013, 10:14 PM
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#238 | | ninja edits your posts without your knowledge
Join Date: Jan 2004 Location: Vancouver
Posts: 14,957
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| Quote:
Originally Posted by v_tec For those with the MBNA Cash Back
What does it mean when you have xxx points?
For example, does 600 points equal to $6 cash back? | Correct. Cash out aka cheque out at 5000 for $50.
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10-27-2013, 03:42 AM
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#239 | | WOAH! i think Vtec just kicked in!
Join Date: Mar 2013 Location: Y
Posts: 1,604
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How does the World Elite one work? https://www.applyonlinenow.com/CACCa...=CP3W&lc=en_CA
Do you get a $50 cheque cash back upon accumulating 5000 points?
Basically works out to a $100 sign up bonus?
Have anyone successfully had their 2nd+ year's annual fee waived?
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10-27-2013, 12:21 PM
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#240 | | xxx
Join Date: Feb 2010 Location: vancouver
Posts: 1,400
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You can redeem in 5000 point increments ($50) whenever you want and it doesn't have to be in the form of a cheque. Even though I have the option I've always been redeeming it as a credit to my account.
This card hasn't even been out for a year yet (for new signups) so no one can say whether they had their second year fee waived. Previously, you could only get this card by having an existing MBNA Rewards/Rewards Travel, meeting one of three requirements, and receiving an invitation from them. I think they still do invites and those who are invited do not get an annual fee.
IMO best cash back card ever
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10-27-2013, 12:34 PM
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#241 | | WOAH! i think Vtec just kicked in!
Join Date: Mar 2013 Location: Y
Posts: 1,604
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Thanks T.T !
Guess I'll continue using my Smart Cash for a few more months until the 5% gas dies out first. Is it possible to just 'transfer' to this World Elite one? Or do you have to go through a new application, and close your old card....potentially hurting your credit score?
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10-27-2013, 02:42 PM
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#242 | | xxx
Join Date: Feb 2010 Location: vancouver
Posts: 1,400
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Nope that's impossible.
You can either convert to a regular MBNA Rewards card (1% cash back on all purchases) and hope you get invited...or you can just apply for the World Elite and maybe try calling in after a year to try to get the fee waived.
there's a thread about this card on RFD: MBNA Rewards World Elite MC - RedFlagDeals.com Forums | |
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12-04-2013, 03:47 PM
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#243 | | RS controls my life!
Join Date: Feb 2007 Location: Vancouver
Posts: 787
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Hey guys. I'm also looking to apply for a new card. I use my current card on and for everything and I figured I should look for a new one with rewards to match what I like.
I'm with CIBC at the moment and I'm wondering what you guys can suggest. I like either cash back or fly points but I'm not too sure which one to go for.
I guess annual fees is OK as long as the rewards are good too.
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12-04-2013, 04:19 PM
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#244 | | ninja edits your posts without your knowledge
Join Date: Jan 2004 Location: Vancouver
Posts: 14,957
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| Quote:
Originally Posted by xeryusx Hey guys. I'm also looking to apply for a new card. I use my current card on and for everything and I figured I should look for a new one with rewards to match what I like.
I'm with CIBC at the moment and I'm wondering what you guys can suggest. I like either cash back or fly points but I'm not too sure which one to go for.
I guess annual fees is OK as long as the rewards are good too. | Capital Aspire Cash is my main card ATM since you get effectively 1.5% cashback without an annual fee. I alternate it with MBNA Smart Cash World for gas and groceries and Amazon Chase for online/american purchases.
The Travel version may be more optimal to you if you travel but it also has a annual fee.
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12-04-2013, 04:54 PM
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#245 | | Old School RS
Join Date: May 2004 Location: Port Moody
Posts: 4,556
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If you collect Aeroplan, then the AmEx cards are hard to beat. I have referred 6 people in the last 2 months as their current deal of a free first year for your AmEx Gold plus 30,000 points is pretty sweet. If you are not flying Staralliance though, you'd be be better to collect RBC Avion points.
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12-04-2013, 09:03 PM
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#246 | | Everyone wants a piece of R S...
Join Date: Feb 2007 Location: Canada
Posts: 363
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Originally Posted by lowside67 If you collect Aeroplan, then the AmEx cards are hard to beat. I have referred 6 people in the last 2 months as their current deal of a free first year for your AmEx Gold plus 30,000 points is pretty sweet. If you are not flying Staralliance though, you'd be be better to collect RBC Avion points. | I've been considering AMEX but my perception is that not many restaurants or retail stores here accept them. Do you find any difficulty with that?
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12-05-2013, 07:06 AM
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#247 | | I told him no, what y'all do?
Join Date: Aug 2006 Location: Vancouver
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only thing we use our amex for is groceries at costco, and sometimes gas. yes not a lot of places (unless big box stores) don't take amex compared to visa/mc
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12-05-2013, 08:01 AM
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#248 | | Rs has made me the man i am today!
Join Date: May 2008 Location: Burnaby
Posts: 3,148
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Originally Posted by dasani604 I've been considering AMEX but my perception is that not many restaurants or retail stores here accept them. Do you find any difficulty with that? | I use my Costco Amex for Costco (duh), gas and restaurants.
Almost all "big" restaurants (think chains, or hoity-toity) take Amex. AFAIK, McDonalds, Timmys, and BK take Amex as well.
The thing I love about Amex are the opt-in programs they have. I'm currently on a 1 year 1.99% interest rate, so I keep a small balance on it month to month and put my cash elsewhere until the promotion ends, then pay it off all at once. They also have "front-of-the-line" access to major entertainment events (and tickets from ticketmaster in general). From time to time, they run promotions like they did for Timmys, where if you spent $20 you would get a $10 credit.
My other card (PC MC) has no such incentives. However, PC Points are quite easy to rack up, and since I shop there for groceries often it often pays for a chunk of that.
Most chain retain stores also take Amex, especially American-based ones I find.
All that said, it would never be my primary card.
EDIT: Oh, I also have it linked to my PayPal, so you can basically use it wherever PayPal is accepted, which is growing quite nicely it seems.
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12-05-2013, 10:32 PM
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#249 | | WOAH! i think Vtec just kicked in!
Join Date: Mar 2013 Location: Y
Posts: 1,604
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MR transfer to Aeroplan 1:1, same as BA (with sometimes 1.5)
However, it's 1:0.75 for Asia Miles. Does anyone remember if Amex ever have any promotions in the past...that would bring it up to at least 1:1?
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12-05-2013, 11:20 PM
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#250 | | xxx
Join Date: Feb 2010 Location: vancouver
Posts: 1,400
Thanked 777 Times in 247 Posts
| Quote:
Originally Posted by CRS Capital Aspire Cash is my main card ATM since you get effectively 1.5% cashback without an annual fee. I alternate it with MBNA World Elite Cashback for gas and groceries and Amazon Chase for online/american purchases.
The Travel version may be more optimal to you if you travel but it also has a annual fee. | Outta curiosity why would you use your Capital One Aspire Cash as your main card when the World Elite offers 2% cash back on all purchases? Or are you talking about the Smart Cash World?
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