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Vancouver Off-Topic / Current Events The off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum.

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Old 03-29-2012, 05:09 PM   #26
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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.
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Old 03-29-2012, 05:12 PM   #27
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MBNA FTW
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Old 03-29-2012, 07:06 PM   #28
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RBC Rewards

cash , travel , merchandise
$1 = 1point
$39 annual fee

when you need to travel , ugprade to avion ($120 fee - less what you paid for original) to get better point redemption rates and you can downgrade after 8 mo's

can redeem 36,000 points for RBC line of credit "credit" - thats $300 free cash provided you have a RBC LOC.
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
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Old 03-29-2012, 07:06 PM   #29
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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
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Old 03-29-2012, 10:22 PM   #30
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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

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
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I went up to a cute chick and asked her if she'd let me take a photo of her for $30 she slapped me, she said to me that "I AIN'T A WHORE!"

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wtf man? what the hell kind of women do you go for? spca is for animals not dates...
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Old 03-29-2012, 10:25 PM   #31
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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.
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Old 03-29-2012, 11:10 PM   #32
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Quote:
Originally Posted by ae101 View Post
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
Maybe she's not as ugly as you think

LGs....
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Old 03-29-2012, 11:20 PM   #33
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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..........
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Old 03-30-2012, 09:27 PM   #34
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I use these ones:
RBC Visa Infinite
AMEX Platinum
Capital One M/C as a back up card.
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Old 03-30-2012, 09:53 PM   #35
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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
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Old 03-30-2012, 09:54 PM   #36
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MBNA Smart cash. only had my card since dec and i just deposited my second $50 cash back check!
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Old 03-31-2012, 11:57 PM   #37
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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.
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Old 04-02-2012, 05:30 PM   #38
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no one has PC financial card? It's almost as good as MNBA smartcash...which is better..
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Old 04-02-2012, 05:45 PM   #39
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MBNA Smart Cash Platinum MasterCard | HowToSaveMoney.ca
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Old 04-02-2012, 09:12 PM   #40
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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.
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Old 04-03-2012, 10:15 AM   #41
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no one has PC financial card? It's almost as good as MNBA smartcash...which is better..
Yeah, switched from PC to MBNA.
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Old 04-03-2012, 10:18 PM   #42
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amex holt renfrew.
1% back for gift certificate redemption.
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Old 04-04-2012, 10:42 AM   #43
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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!
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Old 08-29-2012, 09:49 AM   #44
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anybody know the difference between the mnba smart cash card vs mnba platinum plus card?
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Old 08-29-2012, 09:53 AM   #45
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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
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Old 08-29-2012, 10:03 AM   #46
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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.
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Old 08-29-2012, 10:07 AM   #47
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Yep, first 6 months it's 5% & 3%.

Also, the card has no annual fee. I don't think there is any other cash back card that has no annual fee.
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.
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Old 08-29-2012, 10:39 AM   #48
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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
hahaha

thankyou my friend

gonna be applying via great canadian rebate for the 60$

whoever else is applying do the same!
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Old 08-29-2012, 11:56 AM   #49
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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
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Old 08-29-2012, 12:24 PM   #50
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Keep in mind a lot of those "points" travel have expiry dates to it. I know AsiaMiles have it for sure. I believe Aeroplan points do too.

I'm using TD First Class. 3 pts for every $1. Every 10,000 points is $50 to spend towards travelling. Never expires. And you can apply the money to expedia or any travel agency that's cheap. It does have annual fee of $120. But if you open a select service chqing account and have $5000 in there. ALL fees will be waived. Free Chqing, free CC, free safe deposit box, free us visa, free money drafts.
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.
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