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02-28-2020, 11:59 AM
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#901 | | Rs has made me the man i am today!
Join Date: Aug 2007 Location: Richmond
Posts: 3,469
Thanked 1,437 Times in 376 Posts
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I just signed up for Simplii with their up to $200 sign up bonus and will be getting their no AF cashback VISA to complement my other cards. 4% on restaurants (up to $5k/year), 1.5% on gas/groceries (up to $15k/year), and 0.5% on the rest. Seems like a nice free card to just have on the side or to use strictly for restaurants. [Simplii Financial] Simplii Financial: New Client Promo $200 - RedFlagDeals.com Forums
__________________ '00 Honda Accord V6 [sold]
'95 BMW 325i Cabriolet [RIP]
'03 VW Jetta 1.8T [RIP]
'06 BMW 330i [RIP] '02 BMW M3 '99 Honda Civic SIR [sold] '19 Civic Type R[sold] '22 MINI Cooper SE My Photojournal: simplexcars | 
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10-07-2021, 02:22 PM
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#902 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 39,479
Thanked 16,089 Times in 6,561 Posts
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Does anyone use the Scotia Momentum Visa Infinite? https://www.scotiabank.com/ca/en/per...E&gclsrc=aw.ds
Cash back card, we got a call today from them trying to sell us a CC because we have our mortgage with them, this card seems to be quite a bit better overall than our current everyday card (Costco MC) as a cash back card
Also a much higher initial limit than our Costco MC even though we have been perfect with them amazing credit we can’t get higher than 15k with the Costco card. $120 a year fee waived first year and also the second card would be waived for us upon signup
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Dank memes cant melt steel beams
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10-07-2021, 02:45 PM
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#903 | | My homepage has been set to RS
Join Date: Sep 2001 Location: Langley BC
Posts: 2,109
Thanked 329 Times in 123 Posts
Failed 13 Times in 8 Posts
| Quote:
Originally Posted by Hondaracer  Does anyone use the Scotia Momentum Visa Infinite? https://www.scotiabank.com/ca/en/per...E&gclsrc=aw.ds
Cash back card, we got a call today from them trying to sell us a CC because we have our mortgage with them, this card seems to be quite a bit better overall than our current everyday card (Costco MC) as a cash back card
Also a much higher initial limit than our Costco MC even though we have been perfect with them amazing credit we can’t get higher than 15k with the Costco card. $120 a year fee waived first year and also the second card would be waived for us upon signup | I use the Scotiabank Momentum Visa Infinite. I also do my banking with Scotia, so my ultimate package chequing account also covers the annual fee. Good card, and the cashback has been higher than the old MBNA cash back card I used to have.
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10-07-2021, 02:47 PM
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#904 | | Rs has made me the woman i am today!
Join Date: Mar 2011 Location: Vancouver
Posts: 4,316
Thanked 4,809 Times in 1,956 Posts
Failed 109 Times in 53 Posts
| Quote:
Originally Posted by Hondaracer Does anyone use the Scotia Momentum Visa Infinite? https://www.scotiabank.com/ca/en/per...E&gclsrc=aw.ds
Cash back card, we got a call today from them trying to sell us a CC because we have our mortgage with them, this card seems to be quite a bit better overall than our current everyday card (Costco MC) as a cash back card
Also a much higher initial limit than our Costco MC even though we have been perfect with them amazing credit we can’t get higher than 15k with the Costco card. $120 a year fee waived first year and also the second card would be waived for us upon signup | I'm on it and it's racking up a good chunk of cash back for me - I was previously on the Passport Infinite card which had great travel benefits which became useless circa March 2020 so I switched. Scotia is pretty generous with credit limits - I think I'm somewhere in the 30-40k range no questions asked.
I combine it with a Tangerine World card which lets me pick 3 categories at 2% cash back which covers the stuff the Momentum card doesn't do well - all my restaurant charges go on Tangerine at 2% while the rest goes on the Visa.
__________________
Current: 2019 Acura RDX
Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
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10-07-2021, 03:33 PM
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#905 | | HELP ME PLS!!!
Join Date: Mar 2006 Location: Vancouver
Posts: 5,597
Thanked 4,343 Times in 2,019 Posts
Failed 71 Times in 45 Posts
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So CIBC bought up the costco card last month(or was it August?), any rumours whether if the rebates are gonna change?
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10-07-2021, 06:24 PM
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#906 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: Vansterdam
Posts: 8,218
Thanked 1,920 Times in 1,003 Posts
Failed 85 Times in 24 Posts
| Quote:
Originally Posted by Hondaracer Does anyone use the Scotia Momentum Visa Infinite? https://www.scotiabank.com/ca/en/per...E&gclsrc=aw.ds
Cash back card, we got a call today from them trying to sell us a CC because we have our mortgage with them, this card seems to be quite a bit better overall than our current everyday card (Costco MC) as a cash back card
Also a much higher initial limit than our Costco MC even though we have been perfect with them amazing credit we can’t get higher than 15k with the Costco card. $120 a year fee waived first year and also the second card would be waived for us upon signup | Can also consider the CIBC DIVIDEND® VISA INFINITE* CARD. I struggled to pick between the 2 when I changed cards a year ago but ultimately chose cibc.
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"back at the line to Babych.... LONG SHOT....Potvin had trouble with it....ADAM SHOOTS SCORES!!!!
GREG ADAMS!! GREG ADAMS!!"
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10-08-2021, 10:13 PM
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#907 | | ESKETIT
Join Date: Feb 2004 Location: Shambhala
Posts: 23,366
Thanked 9,698 Times in 2,328 Posts
Failed 998 Times in 241 Posts
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looking for a good cibc card so I can pair it with chevron journie rewards
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10-08-2021, 11:06 PM
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#908 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: Vansterdam
Posts: 8,218
Thanked 1,920 Times in 1,003 Posts
Failed 85 Times in 24 Posts
| Quote:
Originally Posted by Vansterdam looking for a good cibc card so I can pair it with chevron journie rewards | See above.
__________________
"back at the line to Babych.... LONG SHOT....Potvin had trouble with it....ADAM SHOOTS SCORES!!!!
GREG ADAMS!! GREG ADAMS!!"
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10-09-2021, 01:04 AM
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#909 | | Banned (ABWS)?
Join Date: Oct 2004 Location: Vancouver
Posts: 19,455
Thanked 4,111 Times in 1,769 Posts
Failed 434 Times in 211 Posts
| Quote:
Originally Posted by Vansterdam looking for a good cibc card so I can pair it with chevron journie rewards | CIBC Dividends Visa Infinite is a pretty solid card if gas is your priority
4% on gas and groceries
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10-09-2021, 07:20 AM
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#910 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 39,479
Thanked 16,089 Times in 6,561 Posts
Failed 2,165 Times in 747 Posts
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So now looking at it I’m not sure if that card is best for us because we spend so much on restaurants..if that Scotia card had even 2% back on restaurants it would be a slam dunk but now I’m not so sure hmm..
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Dank memes cant melt steel beams
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10-09-2021, 07:39 AM
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#911 | | Rs has made me the woman i am today!
Join Date: Mar 2011 Location: Vancouver
Posts: 4,316
Thanked 4,809 Times in 1,956 Posts
Failed 109 Times in 53 Posts
| Quote:
Originally Posted by Hondaracer So now looking at it I’m not sure if that card is best for us because we spend so much on restaurants..if that Scotia card had even 2% back on restaurants it would be a slam dunk but now I’m not so sure hmm.. | https://creditcardgenius.ca/best-cre...ds/restaurants
Amex Cobalt then? I'm not an Amex user but I don't seem to see a lot of acceptance of it around here.
__________________
Current: 2019 Acura RDX
Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
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10-09-2021, 10:08 AM
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#912 | | Rs has made me the woman i am today!
Join Date: Sep 2006 Location: Vancouver
Posts: 4,169
Thanked 1,360 Times in 593 Posts
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I have been using a travel rewards points card for the longest time as every year I travel (pre-covid). Now with Covid, don't really know when travelling will be normal again in my life, which has caused me to consider a cash-back credit card going forward. As I have a mortgage with TD now, looking at opening up with their All-inclusive banking plan (monthly fee waived if min balance maintained) + cashback infinite visa card (annual fee waived by having their all-inclusive banking plan). The credit card is offering 6% for first 3 months on all purchases.
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10-09-2021, 12:59 PM
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#913 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: Vansterdam
Posts: 8,218
Thanked 1,920 Times in 1,003 Posts
Failed 85 Times in 24 Posts
| Quote:
Originally Posted by Hondaracer So now looking at it I’m not sure if that card is best for us because we spend so much on restaurants..if that Scotia card had even 2% back on restaurants it would be a slam dunk but now I’m not so sure hmm.. | Well the CIBC one has 2% in dining, transportation, and recurring payments then 4% in groceries and gas. You can also link the cibc card with chevron and save 3 cents everytime or 10 cents when you get enough points with their program. Which is roughly every 3rd fill up depending on how much your fills are.
__________________
"back at the line to Babych.... LONG SHOT....Potvin had trouble with it....ADAM SHOOTS SCORES!!!!
GREG ADAMS!! GREG ADAMS!!"
Last edited by winson604; 10-09-2021 at 09:36 PM.
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10-09-2021, 02:50 PM
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#914 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 32,551
Thanked 14,124 Times in 5,901 Posts
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Amex Cobalt user here.
Switched based on a referral from Eff-1 and loving every bit of it. Acceptance has grown tremendously over the years. There are some dick bag cities that suck at adopting Amex (Montreal is one of them) but they've really upped their game in growing acceptance with lower fees for small businesses.
Their app has a list of stores/restaurants you can filter out based on your map location so you know where it's accepted so that helps a lot. I like their travel coverage and it has been competitive against my Visa and Mastercard programs. For those of you who enjoy unique opportunities to wine and dinning offers, Amex does a pretty good job of ensuring exclusivity, but you pay for that via monthly fees etc.
Given your tendency to dine out and ball out, Amex is the way to go. I rarely use Visa or Mastercard anymore. Thank goodness I'm on CERB. 
Last edited by bcrdukes; 10-09-2021 at 02:56 PM.
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10-09-2021, 08:58 PM
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#915 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 39,479
Thanked 16,089 Times in 6,561 Posts
Failed 2,165 Times in 747 Posts
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Hmm I will have to start taking note as to if the places I frequent accept it or not
I feel like Vancouver generally has a fairly low acceptance of Amex..
__________________
Dank memes cant melt steel beams
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10-09-2021, 09:42 PM
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#916 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: Vansterdam
Posts: 8,218
Thanked 1,920 Times in 1,003 Posts
Failed 85 Times in 24 Posts
| Quote:
Originally Posted by Hondaracer Hmm I will have to start taking note as to if the places I frequent accept it or not
I feel like Vancouver generally has a fairly low acceptance of Amex.. | Cobalt 50K points sign up offer combine with $120 Great Canadian rebates bonus. https://forums.redflagdeals.com/amer...bonus-2483484/
__________________
"back at the line to Babych.... LONG SHOT....Potvin had trouble with it....ADAM SHOOTS SCORES!!!!
GREG ADAMS!! GREG ADAMS!!"
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10-10-2021, 11:22 AM
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#917 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 32,551
Thanked 14,124 Times in 5,901 Posts
Failed 527 Times in 351 Posts
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Figure out where you you go regularly and see if your preferred vendors accept AMEX or not. Vancouver originally never had the best acceptance rate for AMEX but it has improved significantly. From a business perspective, it would be good to encourage and accept Amex typically because of the clientele it attracts and their specialty in corporate T&E programs. https://www.americanexpress.com/en-c...12769401278496
(Make sure you select "Refresh When Map Moves" on the map itself so it will automatically update.)
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10-11-2021, 07:29 AM
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#918 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 18,704
Thanked 20,281 Times in 6,905 Posts
Failed 321 Times in 212 Posts
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I been using the Alaska reward card from MBNA… its a pay card, but if you’re a dedicated person you can churn it. In Canada it’s run by MBNA but the Alaska points program is run by Alaska Airlines and they don’t talk to each other, just “linked” by your account numbers.
Therefore you can apply and get the 50k points or whatever the current bonus is, you can do your spending etc for half a year or whatever to get the reward and Mayeb not arouse suspicion too much and then cancel and apply again, tell them you already have an Alaska points program and they’ll connect to it and off you go. Within a year you’ll have a “free” flight+ to Japan or whatever on their partner airlines (JAL is one of them) I think I’m almost up to 3 flights worth of points during Covid.
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10-11-2021, 04:23 PM
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#919 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,163
Thanked 9,951 Times in 3,944 Posts
Failed 881 Times in 421 Posts
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dunno if this is worth mentioning but i can never get through the mbna's policy phone line to ask if their travel medical covers covid because their booklet doesnt mention it
bcaa does so for an extra $20/trip i get that just in case
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10-11-2021, 07:30 PM
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#920 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 18,704
Thanked 20,281 Times in 6,905 Posts
Failed 321 Times in 212 Posts
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I think with the Alaska card, because it's pay, it goes through a different customer service line... I always get an answer immediately and they're like bending over backwards nice to me. That alone feels worth the cost lol
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10-11-2021, 11:50 PM
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#921 | | I keep RS good
Join Date: May 2001 Location: Cosmos
Posts: 28,736
Thanked 5,599 Times in 1,524 Posts
Failed 889 Times in 301 Posts
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amex cobalt and then use it at price smart or safeway or some other grocery store and buy all your amazon and netflix and apple giftcards there. and whatever other giftcards u need. best buy etc.
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10-12-2021, 09:03 AM
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#922 | | MOD MOD MOD MOD MOD
Join Date: Dec 2003 Location: vancouver
Posts: 5,918
Thanked 3,541 Times in 1,174 Posts
Failed 212 Times in 81 Posts
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Originally Posted by Ulic Qel-Droma amex cobalt and then use it at price smart or safeway or some other grocery store and buy all your amazon and netflix and apple giftcards there. and whatever other giftcards u need. best buy etc. | I've had an AMEX for about 10 years now, the acceptance has grown over the time I have had it. Most of the new machines that small stores have now accept AMEX. I carry a Visa too just in case my Amex is not accepted.
__________________ Quote: | [03-07, 03:26] Yodamaster - The feeling when you quickly insert without hitting the sides | | |
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10-13-2021, 11:21 PM
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#923 | | I Will not Admit my Addiction to RS
Join Date: May 2014 Location: Home*
Posts: 513
Thanked 387 Times in 128 Posts
Failed 21 Times in 14 Posts
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Amex just increased mem fee on gold card. For now it's $150 with $100 rebate, but goes up to $250 next year. Some more perks tho. In general I travel alot, don't care about lounge, as already have with star alliance. Big issue is I have about 300k points that I will need to transfer to aeroplan or other Amex card if they allow. Guess need to call and find replacement.
Amex hands down has best service, for disputes, insurance etc. And barely any hold time when call. However don't get Amex thru bank, as they don't have rebates, buy local (one month a year), front of the line etc.
Last edited by Rallydrv; 10-13-2021 at 11:32 PM.
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10-14-2021, 07:03 AM
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#924 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,163
Thanked 9,951 Times in 3,944 Posts
Failed 881 Times in 421 Posts
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unfortunately my free card went from no fee to $90 to $120, but yes they have been adding more perks
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11-24-2021, 05:10 PM
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#925 | | Rs has made me the woman i am today!
Join Date: Sep 2006 Location: Vancouver
Posts: 4,169
Thanked 1,360 Times in 593 Posts
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I just applied for a TD cashback credit card for strictly usage for home expenses for myself/fiancee to keep track of. I currently own BMO/RBC/Amex credit cards and they have always been instant approval in the past when I applied for them. For some reason this time around, TD didn't approve instantly and mentioned they need more time to review my information and should receive a decision in 7 - 10 business days.
I haven't had much dealings in the past with TD besides when I was a kid when I had a student account, which I closed like 15 years ago. Is this normal for TD?
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