Originally Posted by blkgsr (Post 8849233)

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

Originally Posted by blkgsr (Post 8849331)

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

Originally Posted by kr4l (Post 8849350)

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

Originally Posted by Gerbs (Post 8850152)

Takes $4950 to receive $99 back.

Originally Posted by Ulic Qel-Droma (Post 8849446)

world elite, 80 dollar annual fee, 2% back no categories. u redeem whenever you have 50 bux worth of points i believe. to your bill or write u a cheque.

it's the best cash back card on the market, period.

unless u were lucky enough to get it before the 80 dollar annual fee, then its free lol.

Originally Posted by Ulic Qel-Droma (Post 8849446)

world elite, 80 dollar annual fee, 2% back no categories. u redeem whenever you have 50 bux worth of points i believe. to your bill or write u a cheque.

it's the best cash back card on the market, period.

unless u were lucky enough to get it before the 80 dollar annual fee, then its free lol.




120/5000=2.4%
so you are getting 2.4% "interest" which u use on your card to waive the fee. i guess u can think of it that way. u cant really get 2.4% interest anywhere else other than online banks like EQ bank or a million year GIC at your big banks LOL.

u also get a buncha other perks, i think unlimited transfers for free.



lol yeah. im dumping my aeroplan cards or switching them out when the annual fees expire.

time to go travelling bro. u can go to asia and back 10 times. lol.

Originally Posted by Nlkko (Post 8853693)

RBC have the shitiest product out of all the banks imo.

Originally Posted by Rallydrv (Post 8853740)

Best card or card company hands down has to be American express. I do pay fees, however the service is amazing. Never on hold for long, if I dispute charges,if any it's not an issue. Plus I'm lucky that I've kept my points balance in American express rather than convert to ap. I travel a lot, just for insurance and such, it's worth it. If I don't qualify for * gold, I'll switch to ae platinum.

Yes I have had aeroplane cards in the past. My other only card is mbna cash back. And I do pay of balance every month.

BTW I learned of sneaky visa practises ( or at least concerns adventura). If you make a foreign currency transaction, they hold posting charges for up to week or two, and when the exchange rate is at highest they post changes.with ae it's right away.

Originally Posted by Rallydrv (Post 8853740)

if I dispute charges,if any it's not an issue.

Originally Posted by roastpuff (Post 8853769)

Agree, love Amex's customer service. Their cards also have really good perks. If I was travelling more I would keep their cards.

Originally Posted by Nlkko (Post 8875425)

BMO WorldElite Travel MasterCard - 3% returns on everything starting January. 150 annual fee. Posted this on the frugal thread.

Originally Posted by CivicBlues (Post 8875413)

So I just found out Amazon is discontinuing their Chase Credit card (no foreign exchange markup).

Any other CC's that provide a similar feature? I read on RFD about Home Trust's Visa but a lot of people there say they're being denied after applying (with good credit, good income).