alot as in all at once a lot couple hundred/thousand or constant little amounts - $50 - 80

Sorry my bad,...

It's whatever the amount you "pay off" on your visa each month.

So if I paid $5000 to my visa, I will receive 5000 points. And this is updated once every month.

RBC Starbucks VISA for my weekly coffee fix
Citibank Enrich for my 1% cashback

No annual fees and I never carry balances on my CCs.

Bank of America Platinum Debit Card

i think the same card has been mentioned 10 times already?

RBC Plat is the way to go!

:werd:

Got mine last year and ended up with about $120 back in rebates :)

Scotia low interest one

cibc aerogold, cibc dividend, upcoming, captiol 1, price plus 1%.

td and rbc seems to get most the votes, nice...i have a td green..lol

RBC Starbucks Duetto Visa
TD Green Visa
RBC Mosaik Mastercard

RBC Starbucks if you are a fan of coffee. Easy to earn free drinks.

Vanity Enviro VISA

Starbucks!

Do some research before you get a card. I prefer my Mastercard over my Visa b/c of the reward program i have on the M/C. I would shy away from TD Green as you aren't getting anything for your purchases. Earning at least some return is better than no return right?

Also, i always stay away from 1% dividend - they are usually a joke from the return standpoint imo - although i could be wrong. Also, some of the other cards, i.e. CIBC aerogold visa have an annual fee...yea the return is great, but factor in the annual fee and unless you are big spending ($30k+) a year on your card, it is hard to earn >3% return.

Do some research, there are tons of forums on which CC is the best! =)

with avion u can use ur points towards any airline like currency. but with RBC non avion cards u can still use points towards travel but i believe its limited.
the $120 is more than worth it just for the insurances it offers. If u travel alot and put all the charges to ur visa, u'll get:

- rental car collision insurance (so u dont have to purchase the $2x a day LDW rate ontop of ur rental to a max of 48 day rental

- emergency purchase insurance if the airline looses or delays ur baggage and u need to buy living things such as shirts, pants, underwear, toothbrush etc

- airline delay insurance to cover ur hotel stays, other expenses due to a delayed or cancelled flight

- purchase insurance for personal items or family gifts that are damaged, lost, or stolen within 90 days of purchase (my iphone got jacked 1.5 months after i got it and im covered for it)

- accident insurance, if u get hit or some accident happens when ur on the road and u need medical

some other stuff i cant remember.

the only thing that took me a while to consider the Avion plat over the preffered Plat is that the avion doesnt include is out of state/country 31 day medical coverage. with the avion, its an option u can purchase ($130 for 31 days i believe?) but with the preferred platinum its included. im covered for my work trips for medical anyway so i dont really need that option thus ended up goin for the avion.

however i use aeroplan for faster free flights. trip to asia is only 75,000 aeroplan points, its 100,000 rbc points with avion. with both, i get double mileage :D i fly average 10k miles a month for work so the points do add up :D

cibc aventura

td visa . not many ppl use amx?

I use American Express, but this is a Visa thread, not AMX or MC.

good point lol

rbc starbucks visa
pc financial mc, citi petro points mc

cibc dividend platinum

td rebates...but it sucks that first $3000 only 0.5% cashback

I think Mosaik Mastercard is through BMO.

Can ppl also post any annual fees they have to pay? I've been a long time user of Mastercard, but never had a Visa. Figured I should get one for convenience sake (in case a place doesn't take m/c).

cibc aeroplan. i want to fly for free.

and td green that is almost unused