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10-23-2011, 11:01 PM
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#1 | | Diagonally parked in a parallel universe
Join Date: Feb 2011 Location: Vancouver
Posts: 1,437
Thanked 5,158 Times in 579 Posts
| no annual fee credit card recommendations?
im looking for a non annual fee cc with cashback or rebates or points. currently using a classic visa and not getting any shit for it.
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10-23-2011, 11:49 PM
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#2 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2004 Location: Burnaby
Posts: 9,441
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mbna cashback...something like 3% cash back on groceries and gas, iirc.
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10-24-2011, 07:28 AM
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#3 | | SiRVs up, dude
Join Date: Jan 2004 Location: Outerspace
Posts: 4,771
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^don't those have a limit to how much cash back you can get?
TD bank has a good travel visa (their top card + points), free if you have 5k in your bank account
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10-24-2011, 07:39 AM
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#4 | | Banned (ABWS)
Join Date: Oct 2006 Location: Richmond
Posts: 5,138
Thanked 2,216 Times in 510 Posts
| Quote:
Originally Posted by SiRV ^don't those have a limit to how much cash back you can get?
TD bank has a good travel visa (their top card + points), free if you have 5k in your bank account | Mbna cash back is solid
First 6 months, 3% on every purchase
Afterwards. 2% on gas and groceries up to $600.
1% on everything else and the gas and groceries (after $600)
No annual fee, always receive $50 cashback in a cheque 1-2 weeks after i get enough pts. Posted via RS Mobile | |
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10-24-2011, 04:21 PM
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#5 | | wants to know why blow-up dolls always look so surprised
Join Date: Jan 2007 Location: Vancouver
Posts: 1,150
Thanked 143 Times in 67 Posts
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mbna +1
check on rfd for a good read on it: http://forums.redflagdeals.com/mbna-...ilable-722828/
a good travel card is capitalone world aspire card.
costs $120 annually, but they give you $100 worth of travel credit every year...so it costs, really $20 per year. plus, they give you an initiation credit of $350 worth of travel credit... so technically you're using the card for 17 years for free, then $20 per year after that
or if you insist on collecting the travel points at half the pace but with no annual fee, they have a capitalone gold aspire too.
just a warning, the call center people at cap1 are kinda dumb and useless 90% of the time. lol..
i remember TD infinity travel is a free card, if you keep a certain value in your checkings account? (not 100% sure)
Last edited by iam_dan; 10-24-2011 at 04:42 PM.
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10-24-2011, 04:32 PM
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#6 | | My AFC gave me an ABS CEL code of LOL while at WOT!
Join Date: Sep 2011 Location: RevScene.net
Posts: 1,889
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I might be wrong...but I heard the MBNA card has been discontinued for over a year now.
They still have a wide variety of cards...but the one with 3% cashback has been discontinued. You have to sign up with one of their regular cards, get approval, and then after you receive your card....call into retention to cancel your card + ask to be transferred to the 3% cashback program. Worked for some people, and failed for some people.
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10-25-2011, 08:26 AM
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#7 | | RS Veteran
Join Date: Nov 2001 Location: An Island
Posts: 14,400
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Really? I have had the MBNA Smart Card for over a year now. I use it for everything possible and get $50 cheques nearly every month. No annual fee.
5% cash back on gas and groceries for first 6 months, 3% there after
1% on everything else
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10-25-2011, 09:21 AM
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#8 | | SiRVs up, dude
Join Date: Jan 2004 Location: Outerspace
Posts: 4,771
Thanked 345 Times in 178 Posts
| https://www.applyonlinenow.com/CACCa...d=CA_576724454
How Smart Cash Works
5% cash back on all of your gas and grocery purchases for the first 6 months††
3% cash back on gas and grocery purchases thereafter‡
And, you’ll always earn 1% cash back on all of your other qualifying net retail purchases‡
1.99% annual interest rate† (AIR) on balance transfers*, access cheques and deposits* for the first 10 full months
Enjoy free online access to your credit card account
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10-25-2011, 10:45 AM
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#9 | | look at these diamonds, they shining
Join Date: Apr 2008 Location: Vancouver
Posts: 2,800
Thanked 1,813 Times in 553 Posts
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Bmo mastercard - though its 0.5% cashback, it also means no bullshit Posted via RS Mobile | |
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10-25-2011, 11:00 AM
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#10 | | Helps you change your flat, doesn't hit on your girlfriend while doing so
Join Date: Dec 2010 Location: Coquitlam
Posts: 916
Thanked 1,756 Times in 278 Posts
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td canada rebate rewards, 1% cash back, no annual fee but that smart cash mnba is where its at.
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11-02-2011, 12:41 PM
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#11 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Jan 2005 Location: Vancouver
Posts: 9,440
Thanked 3,502 Times in 1,160 Posts
| Quote:
Originally Posted by SiRV https://www.applyonlinenow.com/CACCa...d=CA_576724454
How Smart Cash Works
5% cash back on all of your gas and grocery purchases for the first 6 months††
3% cash back on gas and grocery purchases thereafter‡
And, you’ll always earn 1% cash back on all of your other qualifying net retail purchases‡
1.99% annual interest rate† (AIR) on balance transfers*, access cheques and deposits* for the first 10 full months
Enjoy free online access to your credit card account | After a long wait, I finally received my Smart Cash card 
__________________ Quote:
Originally Posted by The_AK Or you meet some girl at the club, cum inside of her, find out shes only in grade 12, so you buy a Prada bag for her to make things right, she finds out the bag is a fake and decides to have the kid | Quote:
Originally Posted by RX_Renesis wtf did she get some bolt-on titties or what?
they look sooooooooooo much bigger than they were 2ish years ago. | Quote:
Originally Posted by nns I can't stand the sound of Mandarin either. Boo yow nee bey nee shing bo now noong gey shee mayo mayo mayo mayo mayo mayo mayo. | | |
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11-05-2011, 04:10 AM
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#12 | | Rs has made me the man i am today!
Join Date: Mar 2005 Location: Richmond
Posts: 3,259
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^note the 3% on gas and groceries is only valid up to first $600..so you max out at $18 per month on the 3% and everything goes to 1% above that
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12-02-2011, 01:17 PM
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#13 | | My homepage has been set to RS
Join Date: Mar 2002 Location: vancouver
Posts: 2,428
Thanked 68 Times in 27 Posts
| Quote:
Originally Posted by cctw ^note the 3% on gas and groceries is only valid up to first $600..so you max out at $18 per month on the 3% and everything goes to 1% above that | Its actually the first $600 each month that's at 3% so that should be sufficient for most people. Posted via RS Mobile | |
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12-02-2011, 04:59 PM
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#14 | | My homepage has been set to RS
Join Date: Apr 2005 Location: vancouver
Posts: 2,217
Thanked 811 Times in 274 Posts
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i just signed up for American Express gold card, first year is free, got 15000 points to signup.
Plus i signed up via Great Canadian Rebates - Cash Back Rebates & Online Coupons[/url] similar to ebates on ebay. Got $60 cash back on approval... (fyi...referal link..)
think they have other cards aswell
edit: they give u $60 cashback on MBNA cards
Last edited by tool001; 12-02-2011 at 05:06 PM.
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12-02-2011, 05:45 PM
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#15 | | Banned (ABWS)
Join Date: Nov 2001 Location: Vancouver
Posts: 508
Thanked 39 Times in 22 Posts
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MBNA got bought out by TD Canada Trust a few months back so use the smartcash card while you can cause i have a feeling theyre gonna get rid of it.
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12-02-2011, 06:40 PM
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#16 | | My AFC gave me an ABS CEL code of LOL while at WOT!
Join Date: Sep 2011 Location: RevScene.net
Posts: 1,889
Thanked 1,284 Times in 420 Posts
| Quote:
Originally Posted by tool001 |  No referral links
Last edited by Sky_High; 12-09-2011 at 10:56 PM.
Reason: removal of referral link
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12-02-2011, 10:03 PM
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#17 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,026
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good to know...this will make a good candidate as my next CC
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12-03-2011, 02:30 AM
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#18 | | Rs has made me the man i am today!
Join Date: Mar 2005 Location: Richmond
Posts: 3,259
Thanked 160 Times in 93 Posts
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BEFORE you guys apply for these credit cards..check out great canadian rebates site FIRST..
because for example applying for mbna smart cash and getting approved will get you $60 cash back if you go through their site to sign up..
cash back for lots of other merchants too...
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12-09-2011, 05:48 PM
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#19 | | I don't get it
Join Date: Mar 2008 Location: burnaby
Posts: 426
Thanked 59 Times in 41 Posts
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if you travel, pay the annual fee for a credit card as the perks more than make up for it. Every time I travel I make sure to break a rental car.
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12-09-2011, 06:31 PM
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#20 | | Everyone wants a piece of R S...
Join Date: Nov 2004 Location: BC
Posts: 387
Thanked 12 Times in 8 Posts
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12-09-2011, 06:45 PM
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#21 | | RS Veteran
Join Date: Nov 2001 Location: An Island
Posts: 14,400
Thanked 5,024 Times in 1,083 Posts
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Yep my gf was so impressed she signed up for this card on the weekend through great canadian rebates. When she is approved she will get $62 (they give you $2 for signing up on the site plus $60 once you get the card).
Be sure to request a cheque in your GCR account.
I hope TD keeps this card going for a while. Love getting $50 cheques.
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12-09-2011, 11:00 PM
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#22 | | My AFC gave me an ABS CEL code of LOL while at WOT!
Join Date: Sep 2011 Location: RevScene.net
Posts: 1,889
Thanked 1,284 Times in 420 Posts
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What are the thoughts on signing up for either of the two American Express Gold cards through Great Canadian Rebate? You get $60~65 back from them.
Then either 15,000 (or 25,000) welcome points, which is enough for a short-haul flight.
No first year annual fee.
Then maybe transfer those points away (to your own frequent flyer program), and cancel the card before 1 years' up?
Or would the record of cancelling the card on your credit history not worth it? Travel that's flexible, no matter the destination. | |
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12-16-2011, 06:02 PM
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#23 | | WOAH! i think Vtec just kicked in!
Join Date: Apr 2004 Location: Vancouver
Posts: 1,687
Thanked 731 Times in 294 Posts
| TD Canada Trust – TD Drivers Rewards Visa Card
TD DRIVERS CARD
This is a car forum, I spend money on car goods/service etc, and so it's helpful for me. Just read the info from the website.
and I like to log onto one site to view my credit cards, bank account, waterhouse acct etc. Dont want to have to logon to one website for my bank account and another for my credit card.
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01-10-2012, 02:41 AM
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#24 | | Revscene.net has a homepage?!
Join Date: Oct 2006 Location: bby
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for you guys with the mbna cash back card, do they just mail you a statement and you can pay it off at any bank you're affiliated with?
sorry for noob question
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01-10-2012, 04:13 AM
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#25 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Jan 2005 Location: Vancouver
Posts: 9,440
Thanked 3,502 Times in 1,160 Posts
| Quote:
Originally Posted by steel_chain619 for you guys with the mbna cash back card, do they just mail you a statement and you can pay it off at any bank you're affiliated with?
sorry for noob question | I added my MBNA card to my online banking with CIBC.
__________________ Quote:
Originally Posted by The_AK Or you meet some girl at the club, cum inside of her, find out shes only in grade 12, so you buy a Prada bag for her to make things right, she finds out the bag is a fake and decides to have the kid | Quote:
Originally Posted by RX_Renesis wtf did she get some bolt-on titties or what?
they look sooooooooooo much bigger than they were 2ish years ago. | Quote:
Originally Posted by nns I can't stand the sound of Mandarin either. Boo yow nee bey nee shing bo now noong gey shee mayo mayo mayo mayo mayo mayo mayo. | | |
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