I have one as my travel card! The cashback balances translate to money every January

With the Rogers you can used the "points"/cashback at any time for Rogers purchases, or once a year as a credit on your statement in January like Thooomas said. You have to call by Dec 1st and ask that your rewards balance be put on your statement, otherwise it just sits there.

cheers

nvm i read it again $1 for 140 points from 100 points.

https://forums.redflagdeals.com/bmo-...-2018-2114812/

Wow that blows. Loved this card. Fucking dicks....

What's a good travel card now?

My Chase Amazon VISA card is about to expire, and I have just received a new card through the mail.

Funny thing is, everything about the new card is exactly the same as my current one (except for the expiration date, obviously). In the accompanying standard letter stuff, it even re-iterated the same 2% cash rebate Amazon purchases, 1% rebate on other purchases, and no forex fees (as before).

Now, I have just applied for the Rogers MC as well, and I think that card's foreign currency purchases are still better than what the Chase Amazon VISA has to offer. After all, 4% rebate - 2.5% forex fees still means I am out ahead with a 1.5% rebate, versus the straight 1% rebate from the Chase Amazon. But it doesn't seem like the Chase Amazon card is going away any time soon -- not for its current customers, at least.

I've never known of a CC card company to drop existing customers. I suppose they are just limiting new ones from Canada from joining for whatever reason.

In any case, I applied for the Fido card (identical to the Rogers' one). 4% cashback sounds good to me :thumbsup:

The Fido card should beat it though.

My current combo is MBNA Rewards WE (main), Fido (foreign transaction), Amazon VISA (backup VISA card) and an idle BMO Rewards WE card that gonna get downgraded to a rarely used no-fee card soon.

couple out there.

Scotia Momentum Visa has annual fee waived and they have 5% back on first 3000, then 3 after that. Solid Card.

Even with the annual fee (had the card a couple years now), it's still excellent. The extra cashback more than covers the fee compared to the MBNA or other no fee cashback cards.

I use that card for gas/groceries (4%), Rx/bills (2%) & travel (flights/rental cars/hotels - good insurance coverage). Rogers MC @ 1.75% cash back on anything else and any foreign currency transactions (4% back, less 2.5% fee).

cheers

Currently using 3 CCs:

Rogers MC - 4% cashback on foreign transactions (-2.5% conversion fee) so effectively 1.5% cashback on foreign transactions and 1.75% on everything else. Pretty much the daily card, but I currently have a low limit on it, so I keep other cards around.

Chase Amazon Visa - 2% cashback on amazon.ca purchases, 1% on everything else, and no foreign conversion fee. I use this for amazon purchases or when my rogers card is maxed.

Scotia scene - 1% everything. I don't use this anymore, just have it as backup.

Pretty solid benefits. But I've had issue getting the 5% on the first $3000 spendings. Been calling every now and then throughout the whole year, to the point my wife's fed up and doesn't care anymore (so we'll just get our standard 4%).

Takes forever getting through to someone, person on the other line seems to have no idea about the 5% bonus. Be put on hold while transferring to someone that actually sounds like they know what they're talking about. Gives different responses of "credit should appear soon" to "wait a few months".

Then if you call again, you have to re-explain the whole situation again. Gotta explain really slow, cause remember, no one there seems to know about their own benefits. Then this time, the other person says "receive it at the end of the year, or they say a specific month (that's a few months away)".

:fulloffuck:

I think I got the card late last year or early this year. If anyone knows how or when we see this 5% cashback, let me know...

Need a new mastercard replacement. Any good recommendations? Currently using MBNA one with no annual fee but they dont have cashback anymore

Alaska Airlines if you travel regularly, both within North America and or Asia. Miles are good to use in North America, comes with companion pass yearly to make up for the annual fee. Sign up bonus good for intra Asia business ticket redemption on Japan airlines.

MBNA Alaska world elite is the only card I use atm and you can also "borrow" at .99%apr for one year.

New VISA card: https://www.alterna.ca/Personal/Cred...ards/Infinite/

120 annual fee
2% on everything
4% on foreign transaction
Trip Insurance.

never heard of them but it sounds very similar to the chase sapphire reserve in the US

damn I already booked most of my next year's trips on existing card

if I go down to the US often, can I use the emergency health insurance on that card even if I don't book a hotel and it's just a day trip?

Zero sign up bonus on the alterna... Didn't look into it but for 4 percent cb on foreign purchases, do they still charge the standard visa 2.5percent fee. If so, that effectively makes it a 1.5 cb

Signed up for 2 new cards a few weeks ago (apparently temporary hit on my credit score but whatever)

1 was the Scotiabank Gold Amex (4x points on gas, grocery, dining&entertainment)
1 was the Scotiabank Visa Infinite (4% cash back on gas, grocery, 2% on drug store and recurring)

Both annual fees are waived for the first year, and i got $100 amazon GC bonus for each card. In addition, the Gold Amex gives $250 worth of points for the first $1000 spent on everyday purchases in first 3 months. While the Visa gives 5% on first $3000 as mentioned by someone above.

My question is: will my cash back/points rewards be redeemable within a year? I plan on cancelling the two within a year since the fee will stop being waived after first year.

Separate note, I currently have the TD Visa Infinite which is the only card i use (3% on gas,grocery,recurring). The annual fee is waived as long as I bank with an all-inclusive debit account. But I will be using the new cards a lot more in 2018.

Before I go on my next trip abroad, I want to get that Rogers card for the foreign currency benefits.

you guys can google "ratehub best credit cards" as they occasionally have good articles.

I’m lookin real hard... where does it say 4% foreign transactions??

Chase Support
‏
Verified account

@ChaseSupport
3h3 hours ago
Replying to @Gh0strider
Hello, Chase will be discontinuing the Marriott Rewards Visa Card program with Canada. ^AR


FYI, those that have this card.

for existing customers too?
i'm on Chase's Amazon.ca visa and it's been so rumoured so long that the no-forex fee is going away

https://www.collabriacreditcards.ca/...nd%20Terms.pdf

says 2.5% is charged

That card is shutting down in March 2018

feelsbadman

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

I'll need a new card for foreign transactions now. Anyone have any suggestions?

https://www.chase.com/online/canada/...CN_ada-eng.pdf

guess I'll be jumping on that alterna for foreign transaction + travel insurance
so is it 4-2.5% = 1.5% rewards?