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Old 10-24-2011, 12:01 AM   #1
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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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Old 10-24-2011, 12:49 AM   #2
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mbna cashback...something like 3% cash back on groceries and gas, iirc.
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Old 10-24-2011, 08:28 AM   #3
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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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Old 10-24-2011, 08:39 AM   #4
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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
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.
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Old 10-24-2011, 05:21 PM   #5
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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 05:42 PM.
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Old 10-24-2011, 05:32 PM   #6
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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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Old 10-25-2011, 09:26 AM   #7
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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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Old 10-25-2011, 10:21 AM   #8
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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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Old 10-25-2011, 11:45 AM   #9
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Bmo mastercard - though its 0.5% cashback, it also means no bullshit
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Old 10-25-2011, 12:00 PM   #10
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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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Old 11-02-2011, 01:41 PM   #11
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Quote:
Originally Posted by SiRV View Post
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
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they look sooooooooooo much bigger than they were 2ish years ago.
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Old 11-05-2011, 05:10 AM   #12
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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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Old 12-02-2011, 02:17 PM   #13
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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
Its actually the first $600 each month that's at 3% so that should be sufficient for most people.
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Old 12-02-2011, 05:59 PM   #14
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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

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Old 12-02-2011, 06:45 PM   #15
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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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Old 12-02-2011, 07:40 PM   #16
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Quote:
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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 similar to ebates on ebay. Got $60 cash back on approval... (fyi...referal link..)


No referral links

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Old 12-02-2011, 11:03 PM   #17
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good to know...this will make a good candidate as my next CC
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Old 12-03-2011, 03:30 AM   #18
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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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Old 12-09-2011, 06:48 PM   #19
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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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Old 12-09-2011, 07:31 PM   #20
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Canada’s best credit cards 2011 | MoneySense
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Old 12-09-2011, 07:45 PM   #21
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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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Old 12-10-2011, 12:00 AM   #22
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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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Old 12-16-2011, 07:02 PM   #23
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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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Old 01-10-2012, 03:41 AM   #24
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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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Old 01-10-2012, 05:13 AM   #25
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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
I added my MBNA card to my online banking with CIBC.
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