Tangerine is the best free credit card with 1% cash back and 2% in select categories (gas etc). If you travel often, I recommend the TD Visa Infinite Card (not the Aeroplan one). It gives 1.5% in Expedia dollars which u can use towards anything like hotel, car rental, vacations. When you purchase travel on Expedia, you get 4.5% back. It's best for travel and even has trip insurance etc included.

Tangerine is dropping the cash back for generic stuff from 1% to 0.5%

Bringing this back

TD is dropping their Rebates Rewards Visa, or so I was told in a letter from them. Now I'm looking for a good Visa to get. I already have an MBNA Mastercard, but I like having 1 of each Visa and Mastercard in case places take one and not the other

I'm pretty happy with my More Rewards Visa. Administered via Scotia Bank.

7 times the rewards when I'm at a Save On Foods or any of Jimmy's stores. 6 times everywhere else.

Not sure how that compares to my PC World Elite Mastercard as far as getting money back.

Anyway, I have so many cards that my wallet is a pain in the butt, literally. I cannot sit with it in my back pocket. I wish it was thick because of cash, Gulololol.

The Chase Amazon Rewards VISA?

https://www.chase.com/online/canada/amazon-ca-home.htm

Chase Amazon VISA is the best if you're making purchases in a foreign currency or shop on Amazon often.

I use my card exclusively for those two purposes, but will use my main card for larger purchases off Amazon as it's pretty barebones with no purchase protection or extended warranty.

I read that they stopped taking applications a while back, but it looks like it's up again?

Yup, I use it for my weekly Bellingham shopping. Now that Costco in the US only takes Visa it is really a convenient card that has no fees or foreign exchange transaction fees. Like Razor, I also use it for Amazon.ca purchases.

Unfortunately I don't shop with Jimmy.


I wish I can apply. It says not available for applications right now :rant

I'm dropping my RBC avion once I go on the two trips ive booked with it come up.

We purchase 100% of our gas/food/Costco with the Costco Amex, so wondering what avenue I should go with for a different visa..

My letter says Rebate Rewards is name changing to TD Cash Back Program. Seems like cashback earn rates will change and access to cash rebate (min$25) at any time now versus waiting to end of the year.

On another note I applied and is now waiting for my PC World Elite MC. I had my Airmiles MC for like 15 years and it has never served me much. I'm cancelling that for my PC one.

Still hanging on to my TD First Class Infinite because my favourite HK-style cafe takes Visa only. But Visa's been such a shit show I've contemplated whether or not to just switch to Scotia's Scene card. FailFish

Which HK tea restaurant is that? I thought they all just deal with cash.

new card soon:

TD Cash Back Visa Infinite Card, annual fee $120 (it could be waived, if you have the TD all-inclusive account). You can earn 3% cash back on grocery/gas/pre-authorized payment (at most $5000 per category yearly) , and 1% cash back on other purchases. It has same insurances as the other TD Visa Infinite Cards. When you get approved, you can get 6% cash back on grocery/gas/pre-authorized payment (at most $3500) for the first three months.

so, basically, 2% MBNA MC, 3% restaurant costco MC, and if you leave 5000 in your acct at TD for the all inclusive account, 3% on grocery/gas VISA.

3 cards, averaging 2.1-2.5% back depending on spending habits.

bump

this card is now available since June 18th

thinking of switching my aeroplan visa to this cashback card. What should i spend my 40k points on? :lol

which MBNA card do you have? Platinum, world elite?


any reason why? that's why i have with a shit ton of points

Card is free for people who have a TD All inclusive Chequing account. I can finally get rid of my TD Travel card. :thumbsup:

sweet opening an account now...anyone know how do transfer money from my RBC to the TD account? need $5000 minimum for no monthly fees

Withdrew $100x50 from RBC and walk to any TD branch.
Or make a bank draft payable to TD bank if you are afraid to carry $5000 cash with you.

cash is fine....just wondering if there was on option online

sorta shitty to have to keep $5000 in the account just to save the $120 yearly fee, doesn't TD have a "high interest" savings account?

also a pain in the ass to constantly have to keep transferring the funds from one bank to the other

i'm 100% with RBC and don't have to do shit all. salary goes it and visa is paid automatically.

is there an easier way once the TD account it set up to move the funds? or just interact myself $1500 at a time

Don't use it much, but perhaps email transfer will work as well.

TD's all inclusive is pretty good. I can justify it since I get a free (small) safety deposit box out of it or they can provide you with a rebate if you need a larger one. Most importantly, no monthly fees.

Most domestic flights are 25k points (Toronto/Montreal etc) as well as a lot of American cities. Most international flights will be 75k-125k

I got almost 800k in points. Fuck air Canada and there bullshit move

Is the MBNA Smart Cash Platinum Plus® the one you guys use for cashback? I'm looking for a no annual fee cash back card.

^Just cancelled mine recently. TBH, I only got it for a promo, but it was alright as a general use card. For the most part, I'm using Tangerine and PC Mastercard until I get the TD one. TD Infinite Cash could possibly be used for 90% of my transactions other than dining out.

You still got time.

Tangerine, or PC WE Mastercard if you shop at Superstore. I'm thinking of the TD Cash Back card too.