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Old 11-22-2010, 04:55 PM   #76
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Anyone has card that gives more than 1% cash back on EVERYTHING? No annual fee, no minimum deposit, etc.

I've been using CT mastercard that gives 1% cash back on everything, but I don't know if there are better deals out there.
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Old 11-22-2010, 05:34 PM   #77
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Originally Posted by flagella View Post
Anyone has card that gives more than 1% cash back on EVERYTHING? No annual fee, no minimum deposit, etc.

I've been using CT mastercard that gives 1% cash back on everything, but I don't know if there are better deals out there.
If you are a Costco member, the Costco Platinum Amex has 1.5% back I think.
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Old 11-22-2010, 06:41 PM   #78
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mbna smart cash mastercard. 5% grocery and gas cash back for the first 6 months, 3% after. 1% for all other purchases. no annual fees. fraud protection is excellent, chargebacks are easy to get.
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Old 11-22-2010, 07:52 PM   #79
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Old 11-22-2010, 07:57 PM   #80
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^ i guess you never eat at Timmy's eh? or you just pay cash?

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Old 11-22-2010, 09:24 PM   #81
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Hmm... I might consider that MBNA one.
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Old 11-22-2010, 09:27 PM   #82
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mbna smart cash mastercard. 5% grocery and gas cash back for the first 6 months, 3% after. 1% for all other purchases. no annual fees. fraud protection is excellent, chargebacks are easy to get.
Which MBNA credit card are you talking about? I just took a quick look at their credit cards they offer, but can't seem to find the one you mentioned. You sure they are still offering this card?
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Old 11-22-2010, 09:47 PM   #83
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Old 11-22-2010, 09:47 PM   #84
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Which MBNA credit card are you talking about? I just took a quick look at their credit cards they offer, but can't seem to find the one you mentioned. You sure they are still offering this card?
I've got that one as well. It's this one here http://www.mbna.ca/smartcash_cardlist.html
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Old 11-22-2010, 09:55 PM   #85
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Anyone has card that gives more than 1% cash back on EVERYTHING? No annual fee, no minimum deposit, etc.

I've been using CT mastercard that gives 1% cash back on everything, but I don't know if there are better deals out there.
RBC has a cash back visa, its $19 anually, and u get 5% cash back on grocery purchases and 1% on everything else, plus u can get $5 back from up to 5 pre-authorized bill payments per month so $25 back for paying 5 bills with your visa, I work at rbc and a lot of ppl like this card, I would definately recommend it
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Old 11-22-2010, 10:45 PM   #86
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^I heard about that one, but annual fee turned me down. Also I think 5% was within limited time, and doesn't apply to gas. I think even the 1% cash back was until next year some time. My gas takes huge part of the cost, so I def need cash back on gas.

Btw, the MBNA one, can you get gas at any place? I use Chevron so I was wondering.
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Old 11-22-2010, 10:53 PM   #87
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I've got that one as well. It's this one here http://www.mbna.ca/smartcash_cardlist.html
using this as well
along with spc mastercard LOL
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Old 11-22-2010, 11:02 PM   #88
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I only have my TD Visa... 1k limit with no fees, and extra warranty or some shit.
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Old 11-23-2010, 12:28 AM   #89
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http://www.citibank.com/canada/cards...iew_enr_nf.jsp

^ive got this one, except the Platinum version. No fees, and 1% back with a bunch of other stuff. The platinum one isnt publicly listed, I think you just have to call in and ask them to upgrade it once you have the regular Enrich.
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Old 11-23-2010, 12:43 AM   #90
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Hmm... I might consider that MBNA one.
Haha I JUST signed up for the MBNA Smart Cash Platinum card. Sign up with me! =D

I think the biggest advantage of this card is that you get a solid 1% cashback on every dollar you spend, unlike pretty much every other card out there, including my CIBC Dividends. Their fine print shows you that it's actually 0.25% back for the first couple thousand dollars you spend in a year, then 0.5% for the next few grand, and finally the full 1% after you've spent maybe $5000 give or take. The additional 3% cashback for gas/groceries on this card is icing on the cake, plus the 5% for the first 6 months haha.

edit: I never really considered MBNA before since they seem like a real no-name brand, but one of my friends has been using them for years and he finally convinced me. It's slightly less convenient than using a credit card from my bank so I can do everything all at once with my online banking, but the cash back from this card would approach double, and plus it has that awesome paypass shit so I don't have to keep bringing freaking cash to Timmy's lol.
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Old 11-23-2010, 10:53 AM   #91
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MBNA smartcard FTW. Be patient as it takes them a while to process your application. Yes you can get gas anywhere. 5% back is given depending on the merchant code.

PS you can buy gift cards at grocery stores/Superstore = 5% back
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Old 11-23-2010, 11:10 AM   #92
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spend 1k and you ONLY pay 9990?? sounds like a deal!
$0 fees + 1% back on purchases = $120 a month if you spend $1k a month. Show me your return minus fees and tell me it's more than that.
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Old 11-23-2010, 12:06 PM   #93
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Google great Canadian rebates. Apply for the mbna there to get 50 bucks.
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Old 11-23-2010, 12:58 PM   #94
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$0 fees + 1% back on purchases = $120 a month if you spend $1k a month. Show me your return minus fees and tell me it's more than that.
$120 a year, not month.
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Old 11-23-2010, 01:23 PM   #95
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Old 11-23-2010, 01:29 PM   #96
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I just got my first $50 cheque from MBNA. It's really the best card out there in terms of cashback program
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Old 11-23-2010, 02:25 PM   #97
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http://www.citibank.com/canada/cards...iew_enr_nf.jsp

^ive got this one, except the Platinum version. No fees, and 1% back with a bunch of other stuff. The platinum one isnt publicly listed, I think you just have to call in and ask them to upgrade it once you have the regular Enrich.
It's on that website:
http://www.citibank.com/canada/cards...verview_pt.jsp
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Old 11-23-2010, 03:02 PM   #98
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MBNA smartcard FTW. Be patient as it takes them a while to process your application. Yes you can get gas anywhere. 5% back is given depending on the merchant code.

PS you can buy gift cards at grocery stores/Superstore = 5% back
Call them about 2 weeks in to inquire about application and they'll process it asap.
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Old 11-23-2010, 04:15 PM   #99
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rbc platinum avion card. I dont know if anybody mentioned this but the $120 annual fee is waived if you have the RBC VIP acct (22bux /m after rebate).
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Old 11-23-2010, 05:14 PM   #100
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CIBC Dividend Visa - 1%cash back
CIBC Aero Classic Visa - Aeroplan points $20something annual fee.


I'm thinking of opening up a MasterCard or not..
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