My wife and I have the VISA Infinite Aeroplan card. While there is an annual fee, we get 1.5x Aeroplan miles anytime I buy from a gas station, grocery store and drug store. We put basically all my bills on it, her tution and books, and just pay it off at the end of the month.

There are also many places in the Lower Mainland that give you double or triple Aeroplan miles by using your VISA card with them.

Another bonus is that they cover travel insurance with any flight bought through your card and even cover reward trips.

MBNA FTW

yep that's what I plan on doing
currently at ~120k points and I plan on upgrading to infinite when I decide to redeem them for travel

i have the mbna smart cash + td first class infinite

i use the mbna for gas/groceries and use the td card for everything else

i really like the td integration with expedia, so i redeem all my points there

as for online, i actually prefer mbna's basically realtime info on card usage. i can track pre-authorized payments really easily versus TD's easy web in which you don't know really what has been charged on your card until much much later. And it doesn't show any pre-auth's so you don't know if any of your purchases went through until it's too late and posted

i have the BMO student card, funny how i got it when my classmate that i know forced me to sign up for it which at the time i was jobless & he said dun worry they never sent u a card if u dun have a job.............then short after that i was approved :rukidding::seriously:

on a side note (as were on the subject): can anyone enlighten me on how my ugly sister got approved 2 credit cards from 2 different banks (cibc & td) as shes only 19 & makes minimum wage at McD on the weekend

I think your sister has the minimum limit which it's $500... Most 19 years old can get away with a credit card with $500 limit, some of them can get away with $1000 to $2000 limit.

Maybe she's not as ugly as you think :troll:

LGs....

I personally have 3 CCs,

RBC Classic II Visa Student - $1 = 1 point, can be used for redeeming stuff, I can upgrade to an Avion anytime and keep my points, no annual fee (because its a student card)

MBNA Smart Cash Mastercard - 3% cashback on groceries and gas, 1% elsewhere. No annual fee.

Costco American Express - 3% cashback on restaurants, 2% on gas. No annual fee for Costco members. (but you need to renew membership each year of course)

Only downside to the american express is that most restaurants only accept visa/mastercard, only bigger restaurants like The Keg accepts AE..........

I use these ones:
RBC Visa Infinite
AMEX Platinum
Capital One M/C as a back up card.

Avion points never expire, the British airways 1.5 and sometimes 1:2 points is awsome, first time I used a Europe flight it was 65,000 points when I had been given 20,000 on signup

Besides the points program their insurance coverage is excellent, 21 days out of country unlimited coverage/liability with $0 deductable, and additional coverage is dirt cheap on top of that, an additional 17 days coverage was $35

Full purchase coverage etc. all fee's waived on rental cars

Concierge service which the RBC guy described to me as "your in thailand and you want a VIP booth at the hottest club, we are there for you"

At $130 yearly fee I've yet to use a card with better customer service

MBNA Smart cash. only had my card since dec and i just deposited my second $50 cash back check!

If you can afford to have $5000 sitting in your bank account, then the TD Gold Elite with their Select Service account is pretty damn good. 1% rebate on everything, but there's some bonuses that come in handy. Apart from that, that MBNA card looks great.

no one has PC financial card? It's almost as good as MNBA smartcash...which is better..

MBNA Smart Cash - for gas and groceries ONLY
AMEX Starwood Preferred Guest - Daily use
Capital One Aspire - Daily use (when they don't take AMEX)
RBC Avion Infinite Visa - Emergency, or when they don't take any other card.

Out of all of those, the Smart Cash and Aspire are probably my top two. I only have the AMEX because they waived the annual fee.

Yeah, switched from PC to MBNA.

amex holt renfrew.
1% back for gift certificate redemption.

i also have the costco american express card. its good, but it sucks thats not accepted at a lot of places. so i just applied for the MBNA card! woot!

anybody know the difference between the mnba smart cash card vs mnba platinum plus card?

They're the same card. The older smart cash are called mbna platinum plus smart cash. They're blue now so they're just called mbna smart cash card. I have the mbna platinum plus smart cash and my gf has the mbna smart cash card. Same card, different color :lol

Honestly, if you don't spend a minimum of say 1500-2000 a month with your credit card, it's sort of pointless getting any flyer miles credit cards. If you spend less than that every month, just get a cash back/dividend card.

cibc dividends card has no annual fee.
there are others as well but they just dont have as good returns. (tiered returns)

i use the smart cash as well and its served me well but ive been a victim of cc fraud 3 times with this card. not sure if its a coincidence or not but this has never happened to me with another card company.

hahaha

thankyou my friend

gonna be applying via great canadian rebate for the 60$

whoever else is applying do the same!

if any of you guys do a lot of cross-border/ us$ online shopping Sears Financial Mastercard does not have the 2.5% fee like ALL the other credit cards. Sears will do the conversion at the exchange rate present at the time of transaction. Assuming 1=1 exchange rate, on a $10 transaction, you can save $0.25.



Source: mom works for Sears. Go to her if you want to open a card - sears gives her coffee cards for each card she opens :D

I use Select Service + First Class, and i'm loving the card. It's super easy to redeem points, and they let you redeem them against any travel based purchase (Hotel, Car rental, Flight, etc). The point conversion works out to 1.5%.
There are also other benefits like 14 days travel insurance each time you travel, etc.