Yep that's correct. My current setup is SC for gas/groceries, Rewards Travel for everything else, and I average $150 combined cashback every 2 months so not too shabby

Sounds like it... Honestly though, if you never been with MBNA, its better if you try to get the Rewards World Elite + on your 1st try. You need to have either a 70k income or prove you have a 20k spending habit to get approved for that card if you attempt to upgrade.

Yeah, that card is boss. No annual fee, 2% cash back (on eligible purchases), all platinum features and a $100 in points on your first purchase.

another noob question so how do i sign up for MBNA AND get the 60$ from canadian rebates

and which one should i try applying for?

MBNA Smart Cash Platinum

or

MBNA Smart Cash World:

1. Sign up and register at GCR
2. Right on the home page click the large banner that says, "$60 Cas Back Rebates..."
3. Click the card you want to sign up for (in your case, the MBNA SmartCash Mastercard)
4. Click "Apply Today - SmartCash Mastercard" link (This will open a new tab/window and redirect you to the official MBNA credit card application page
5. Fill out the application as you normally would

As long as you apply through the cashback link, you will get credit for the application. If you somehow exit the window or close your computer you must start all over from step 2 above.

The $60 will be credited to your GCR a couple weeks after your application is approved (But, you must wait 45 days before you can get your cashback). You can then request this $60 via cheque or it will automatically be deposited in your paypal account if you link it.

*Make sure you disable any adblock software before you enter the GCR as this will interfere with their tracking methods. You might not get credit for your cashback links if you have adblock software running.

I also made a mini blog for those who want more clarification on how cashback works.
http://cashback4shopping.blogspot.ca/
Disclaimer; I have referral links on my blog.

I agree with you that having 60$ is better than having none at all, I guess I'm just impatient and don't want to maybe forget to request the rebate after 2 month from the approved date. Didn't know that's how cash back sites typically work. Anyways it was my first time dealing with a cash back website, thanks for all the info.

If you link GCR to paypal, it will automatically be deposited into your paypal account (ie. you do not have to request it).

You only have to request the payment if you request a cheque. But, just put a reminder/event in your phone calendar. It's not that difficult imo.

the BMO world elite mastercard. they recently redesigned it. its a boss as fuark black credit card. google it

update, looks like mbna sent me a platinum plus card instead of my world elite plus. There going to get an earful tomorrow!
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$150 Annual fee... hell no. But yeah, that's a pretty boss lookin' card.

For a travel card, nothing beats the Capital One Aspire Travel World card. If you normally put down $2,000 on your credit card and pay it off all the time, you'll recieve $510 cash value annually in travel points. Plus, it has trip cancellation and interruption insurance, travel insurance, medical insurance, purchase protection and extended warranties.

Update: Yay! mbna rewards World Elite MasterCard acquired!!! 2 points for $1 spent starting this Saturday!

Sadly, I don't think I'll be able to get the $100 sign on bonus with them however. Oh well, 2% return is better than nothing.

Need to have 70,000 annual income or 120,000 household income or have spent 20,000 on the card annually.

If I have an annual income over $70k, I can instantly switch to this card? How about the $100 bonus? I'm currently using the smart cash world card
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True, but this is an invite only card. However they are ways to circumvent it or with the right touch "special circumstances".

Never hurts to call in and ask. If your able to prove that you spend at least 20k a year on your MBNA card then you should qualify without too much hassle.

What happens if you charge less than $2k a month on this card? You don't get the bonuses?

well look here... you get $150.00 cash back instantly. if you want, or 15000 reward miles. although you need 70000 annual income or 120000 household income, if any one wants to apply for it PM me :)

opinions on TD First Class Travel card? Im currently using it.

Wondering if I should switch over to the MBNA ones.

If you don't mind the annual fee of $120 and travel specifically through all the TD setup's then I guess its okay? 3% return seems pretty solid if your a frequent traveler.

My requirements for a CC are: no annual fee, some sign on bonus, at least a 1% minimum cashback which can be acquired quickly and effortless customer service when your card is compromised (ie stolen/number hijacked).

Personally, go for CC's which when redeeming are quick and painless (ie PC points during checkout) or paying to the balance of your CC directly (supposedly you can do this when redeeming MBNA points... unconfirmed).

Right, but its a recurring $150 annual fee. If your able to waive that forever then I'm pretty sure there are people on this thread who would love to sign up with you.

EDIT: You get a 10,000 anniversary bonus reward miles every year. Effectively the annual fee for this card is $50 a year. Now seriously, if your able to waive that $150 FOREVER, I'm sure people will sign up with you by the flocks.

For those looking to compare various travel credit cards in Canada, here's a good link:

Choosing A Travel Rewards Credit Card

Yes you do, I just quoted what you would receive back if you did put that much a month on the card.

Canada's best credit cards « MoneySense

Go thru their credit card calculator to get an estimate on how much you would get back.

more info on this $100 signing bonus with the MBNA travel?

Any students here that got approved by MBNC? Do they require a certain amount of income for the Smart Cash card?

I don't think they do since I got one last year. You can also put down household income (I think). They're not strict on handing out that card.

heh i wish i could waive the fee for everyone. even as staff i have to pay an annual fee, just half of it :okay: