Good Credit Card to apply for?

[CRS]

Originally Posted by T.T

Outta curiosity why would you use your Capital One Aspire Cash as your main card when the World Elite offers 2% cash back on all purchases? Or are you talking about the Smart Cash World?

Whoops, you're totally right.

Meant to say Smart Cash World.

[linni]

Originally Posted by xeryusx

Hey guys. I'm also looking to apply for a new card. I use my current card on and for everything and I figured I should look for a new one with rewards to match what I like.

I'm with CIBC at the moment and I'm wondering what you guys can suggest. I like either cash back or fly points but I'm not too sure which one to go for.

I guess annual fees is OK as long as the rewards are good too.

I saw this promo is realy good. you might want to try. 30k Aeroplan miles and first year free:

[Kilinim]

Originally Posted by linni

I saw this promo is realy good. you might want to try. 30k Aeroplan miles and first year free:

Check out the CIBC Aventura Infinite. Bonus 30k points.
Posted via RS Mobile

[lowside67]

Originally Posted by linni

I saw this promo is realy good. you might want to try. 30k Aeroplan miles and first year free:

REFERRAL LINK

REFERRAL LINK

Nice work posting your referral link. Lots of us have AmEx cards that have contributed a LOT more to this forum than you have, and anybody who is interested in an AmEx AeroGold or AeroPlat could get that same deal from any of us.

Mark

[CRS]

Originally Posted by linni

I saw this promo is realy good. you might want to try. 30k Aeroplan miles and first year free:

Originally Posted by lowside67

Nice work posting your referral link. Lots of us have AmEx cards that have contributed a LOT more to this forum than you have, and anybody who is interested in an AmEx AeroGold or AeroPlat could get that same deal from any of us.

Mark

And points handed out.

[maksimizer]

RBC cash back...

no point bullcrap

no fee

Cash back.

Make 100K a year. Get 1K back every january if you buy everything on your card. Simple as that.

[radioman]

^huh?

[nabs]

I glance over this thread every once in a while to find a good card to apply for but theres so much choice and I don't understand a lot of the terms. I'll post my usage and maybe recommend me something?

I already have a VISA so I don't think I should apply for another VISA, is this correct?

My usage:
Fuel
Entertainment
Food
Actually I pretty much use my card for everything and only use my debit when my cc is almost maxed out and I pay my bills in full on time. I never really let it fully max out though, I leave a few hundred buffer.

I don't really fly that often.
I would pay for everything using my credit card
I am willing to pay an annual fee if its worth it in the end.

What im looking for is points I can use to fly (Aeroplan?) Or cash back. I would prefer the points to fly > cash back.

What card would you guys recommend?

[lowside67]

If you are looking to fly, the Amex Aeroplan Gold is a good option right now. You get 30,000 Aeroplan points after spending $500 which is enough to fly economy anywhere in North America. Normally the card is $99/year but it's free first year if you are referred.

I have an Amex Aeroplan Platinum which gives you 50,000 points instead of 30,000 and some wicked benefits but they are mostly flying related (free lounge access, priority checkin) and for the increase in price ($499/year vs FREE), I wouldn't recommend it unless you are flying a lot.

The Gold is a fantastic deal right now and I actually just got one for myself, I now have both Amex cards.

If you want some more information or would like a link (you need a referral to get the 30,000 points, otherwise you only get 20,000) please send me a PM.

Cheers

[v_tec]

Originally Posted by lowside67

If you are looking to fly, the Amex Aeroplan Gold is a good option right now. You get 30,000 Aeroplan points after spending $500 which is enough to fly economy anywhere in North America. Normally the card is $99/year but it's free first year if you are referred.

First year is free, regardless if referred or not.

[lowside67]

First year is free either way, but you only get 20,000 points if not referred instead of 30,000 points.

[skiiipi]

Originally Posted by lowside67

If you are looking to fly, the Amex Aeroplan Gold is a good option right now. You get 30,000 Aeroplan points after spending $500 which is enough to fly economy anywhere in North America. Normally the card is $99/year but it's free first year if you are referred.

I have an Amex Aeroplan Platinum which gives you 50,000 points instead of 30,000 and some wicked benefits but they are mostly flying related (free lounge access, priority checkin) and for the increase in price ($499/year vs FREE), I wouldn't recommend it unless you are flying a lot.

The Gold is a fantastic deal right now and I actually just got one for myself, I now have both Amex cards.

If you want some more information or would like a link (you need a referral to get the 30,000 points, otherwise you only get 20,000) please send me a PM.

Cheers

How would you compare the aeroplat to amex platinum card? I know that that Plat card is 700 in annual fees but comes with a lot more perks it seems.
Posted via RS Mobile

[StutteR_]

My favorite is MBNA Cash Back Card:

- Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months
- Up to 2% cash back on eligible gas and grocery purchases thereafter
- And, up to 1% cash back on all of your other eligible purchases
- 1.99% annual interest rate (AIR) on balance transfers and deposits for the first 10 full months
- Enjoy free online access to your credit card account
- And, with no annual fee and free additional cards you’ll start to see the benefits right away

http://creditcards.redflagdeals.com/...-Credit-Cards/

[slow-fastback]

Originally Posted by StutteR_

My favorite is MBNA Cash Back Card:

- Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months
- Up to 2% cash back on eligible gas and grocery purchases thereafter
- And, up to 1% cash back on all of your other eligible purchases
- 1.99% annual interest rate (AIR) on balance transfers and deposits for the first 10 full months
- Enjoy free online access to your credit card account
- And, with no annual fee and free additional cards you’ll start to see the benefits right away

Compare Cash Back Credit Cards available in Canada - CreditCards.RedFlagDeals.com

Have this too and it's pretty good. You can also get a $100 GC for signing up if you're a new member.

Websaver.ca Free $100 Gift Card-Amazon, Best Buy, TOYSRUS-ETC with CC signup - RedFlagDeals.com Forums

[lowside67]

Originally Posted by skiiipi

How would you compare the aeroplat to amex platinum card? I know that that Plat card is 700 in annual fees but comes with a lot more perks it seems.
Posted via RS Mobile

I think the biggest difference is the KIND of perks.

The Aeroplan Platinum card is a good deal for a very specific niche of traveller - the guy who is flying within Canada mostly (since most of the benefits are AC related - Maple Leaf Lounge access, AC priority checkin, priority security lines in Canada (which is a godsend in Toronto btw), and the Aeroplan accumulation).

If you are flying more internationally, the regular Platinum card is a better deal as it lets you earn American Express points (NOT Aeroplan points) which can be converted to Aeroplan at 1:1 but can also become points for OneWorld, etc so this is quite a bit more flexible. It also includes international lounge access rather than the Maple Leaf and a few more non-travel perks.

For me, I will be dropping the Aeroplan Platinum card as I am now an Air Canada Elite 50k which includes virtually every benefit from the Platinum card, but for the first year, it was a great setup. The $499 fee was well covered with the 50k points (that's two trips to Toronto in economy, which are typically $600 each) and the benefits were great for the year. Also, since I was over the $20k spend for the year, I am earning 1.5 aeroplan points for every dollar spent which is pretty handy.

The Aeroplan Gold card though is really the "deal" - it gives you the ability to earn almost as many points (1 to 1.25 vs 1.25 to 1.5), comes with almost as many points (30,000 vs 50,000) but is free. Hard to beat that if you aren't going to be able to take advantage of the other perks. I signed up for the gold a few weeks ago and once I cancel the Aeroplan Platinum, I will use this one for the next year.

Mark

[Infiniti]

^ so are you a "churner" like myself?

[lowside67]

Haha, maybe? I've never canceled a credit card, though I will cancel the AeroPlat shortly when my one year is up, before I have to pay the renewal fee. I have about 300k Aeroplan points at this point in time so I am finding less of a need to signup for new cards for points, it's more about either keeping my ongoing costs to as close to 0 as possible or taking advantage of good benefits that I can use.

Mark

[v_tec]

Originally Posted by lowside67

The Aeroplan Gold card though is really the "deal" - it gives you the ability to earn almost as many points (1 to 1.25 vs 1.25 to 1.5), comes with almost as many points (30,000 vs 50,000) but is free. Hard to beat that if you aren't going to be able to take advantage of the other perks. I signed up for the gold a few weeks ago and once I cancel the Aeroplan Platinum, I will use this one for the next year.

Mark

I would just go with the Rewards Gold. 2X points for gas/groceries.
Very similar perks / annual fee / welcome bonus.

[lowside67]

It might be for some people, for me I have a pretty substantial annual spend on the card but it isn't things that will qualify for the 2:1 "travel" designation. For me, the 1.5 points (now 1.25 with the AeroGold after $10k) plus the extra points at signup are not insignificant. I agree that the decision is a lot harder at the Gold level though compared to the Platinum where it's very easy to decide, it simply depends on your travel patterns.

[yameen]

for someone who doesn't travel much, and someone who is strictly sticking to td, would you recommend td travel visa infinite or the td gold elite?

[dasani604]

Originally Posted by yameen

for someone who doesn't travel much, and someone who is strictly sticking to td, would you recommend td travel visa infinite or the td gold elite?

TD First Class.

The value of it is higher (considering the conversion of $1 to points/cashback). Even if you don't plan major travels, the sake of insurance coverage driving across the border or venturing outside of the province is worth it enough for me. $120/year = $10/month --> you'll be spending more on dinners out.

The gold elite is a dud. I'd rather take the MBNA cashback versus the Gold Elite; take into consideration the $99 annual fee of the Gold Elite vs. none for the MBNA cashback.

I'm assuming since you're considering both of those, you may have a ALL inclusive account. If so, go with the First Class Travel. I'll take BCAA over TD Autoclub for the sake that I know who will be coming to my rescue if needed (TD Autoclub is the benefit of having the Gold Elite in addition to the 1% cashback).

[TypeRNammer]

Any good US Dollar credit cards?

Got a terrible rate on the CIBC Visa card, and my MBNA card is occupied with a balance transfer.

[Teriyaki]

TD has a US dollar visa. If you're already their client, you can get no annual fee with the all-inclusive package.

[yameen]

so td released a new aeroplan visa infinite card: https://www.tdcanadatrust.com/produc...inite-card.jsp

how is this in comparison with the original td travel visa infinite? how does earning miles different from earning travel points? TIA!

[TypeRNammer]

http://www.amazon.ca/gp/product/B00A...d_i=3230544011

Any comments on this amazon card?

Looking for a Visa that has no foreign transaction fees.