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06-29-2017, 10:57 PM
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#526 | | I keep RS good
Join Date: May 2001 Location: Cosmos
Posts: 28,736
Thanked 5,599 Times in 1,524 Posts
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Originally Posted by blkgsr  which MBNA card do you have? Platinum, world elite?
| 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. Quote:
Originally Posted by blkgsr 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 | 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. Quote:
Originally Posted by kr4l I got almost 800k in points. Fuck air Canada and there bullshit move | 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.
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07-01-2017, 01:07 PM
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#527 | | Throw yo paws in da air!
Join Date: Apr 2011 Location: State of Trance
Posts: 5,126
Thanked 2,780 Times in 958 Posts
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i had applied and gotten my aeroplan card like a month before air canada bs came to light...kinda sucks but i think im gonna stick it out. Only because the other airlines in the star alliance are airlines i actually use quite often to visit home
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07-01-2017, 02:13 PM
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#528 | | I contribute to threads in the offtopic forum
Join Date: Nov 2006 Location: Vancouver
Posts: 2,945
Thanked 1,123 Times in 533 Posts
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Anyone hear about blueshore visa? Uses same reward company Td owns. Similar to the first class but 2% rather than 1.5.
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07-01-2017, 02:29 PM
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#529 | | I Will not Admit my Addiction to RS
Join Date: Aug 2001 Location: Earth
Posts: 572
Thanked 47 Times in 17 Posts
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Thinking of getting this one that just came out: https://www.americanexpress.com/cana...043-Learn-more
5% cash back on gas grocery restaurants for first 6 months. Earn 1.25% on everything after 6 months. No annual fee.
or
5% cash back on everything for first 6 months, then drop to 2%. $99 annual fee.
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Originally posted by Booboo*Fei
"stick car is funer then any auto but i will only take cl55amg, sl55amg, slk55amg, clk55amg, sl60amg if auto. why people drive auto becuz it is they can't drive the 6speed gear. auto is too slow of car means the seconds higher with the manual 1/4, 1/8
only fast auto is AMG ever. "
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07-04-2017, 06:34 PM
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#530 | | I *heart* Revscene.net very Muchie
Join Date: Nov 2004 Location: vancouver
Posts: 3,830
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i think my maths right here....if you go with the free option instead of the $99 annual fee you have to spend an extra $13750 to make the $99 savings.
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07-04-2017, 08:44 PM
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#531 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2010 Location: /
Posts: 5,205
Thanked 2,884 Times in 1,135 Posts
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Takes $4950 to receive $99 back.
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2022 Velo N
2005 S2000
2007 CSX Type-S [Sold]
2002 RSX-S [T-Boned]
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07-05-2017, 07:38 PM
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#532 | | I *heart* Revscene.net very Muchie
Join Date: Nov 2004 Location: vancouver
Posts: 3,830
Thanked 835 Times in 420 Posts
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| Quote:
Originally Posted by Gerbs Takes $4950 to receive $99 back. | yes at 2%...but the difference between getting 2% @$99 per year or 1.25% @ free for the year is 0.75%
it takes $13200 to make up that .75% to get $99
some how got the number wrong but not by much
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07-05-2017, 09:13 PM
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#533 | | 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
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stupid question...when my card expires 9/17 it expires on the 30th of September or the 1st?
Are there any CC that doesn't have the forex conversion fee AND offer travel insurance or car rental insurance? I don't mind if it has annual fees...the 2% I get back from every MBNA purchase for the $90/yr has been well worth it.
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07-05-2017, 09:41 PM
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#534 | | My homepage has been set to RS
Join Date: Jan 2006 Location: vancouver
Posts: 2,449
Thanked 963 Times in 298 Posts
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The expiration date is embossed on the card. The card will expire on the last day of the month that is written. For example, if the expiration month/year shows 01/17, the card will expire on January 31, 2017.
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07-26-2017, 05:50 PM
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#535 | | I *heart* Revscene.net very Muchie
Join Date: Nov 2004 Location: vancouver
Posts: 3,830
Thanked 835 Times in 420 Posts
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| Quote:
Originally Posted by Ulic Qel-Droma 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. | just signed up for this
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07-26-2017, 07:04 PM
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#536 | | I help report spam so I got this! <--
Join Date: Dec 2010 Location: Vancouver
Posts: 2,867
Thanked 1,215 Times in 535 Posts
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| Quote:
Originally Posted by Ulic Qel-Droma 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. | 89 dollar now but 2% at 89 a year is still pretty good.
I still have the BMO 2% at 150 a year.
RBC have the shitiest product out of all the banks imo.
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07-26-2017, 08:55 PM
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#537 | | HELP ME PLS!!!
Join Date: Jul 2006 Location: Vancouver
Posts: 5,779
Thanked 3,577 Times in 1,511 Posts
Failed 46 Times in 26 Posts
| Quote:
Originally Posted by Nlkko
RBC have the shitiest product out of all the banks imo.
| Nope, HSBC. At least RBC got Avion.
__________________ Quote:
Originally Posted by PeanutButter Damn, not only is yours veiny AF, yours is thick AF too. Yours is twice as thick as mine.. That looks like a 2" or maybe even 3"? | | |
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07-27-2017, 12:00 AM
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#538 | | I Will not Admit my Addiction to RS
Join Date: May 2014 Location: Home*
Posts: 513
Thanked 387 Times in 128 Posts
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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.
Last edited by Rallydrv; 07-27-2017 at 12:06 AM.
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07-27-2017, 08:15 AM
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#539 | | HELP ME PLS!!!
Join Date: Jul 2006 Location: Vancouver
Posts: 5,779
Thanked 3,577 Times in 1,511 Posts
Failed 46 Times in 26 Posts
| Quote:
Originally Posted by Rallydrv 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. | Agree, love Amex's customer service. Their cards also have really good perks. If I was travelling more I would keep their cards.
__________________ Quote:
Originally Posted by PeanutButter Damn, not only is yours veiny AF, yours is thick AF too. Yours is twice as thick as mine.. That looks like a 2" or maybe even 3"? | | |
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07-27-2017, 08:18 AM
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#540 | | I *heart* Revscene.net very Muchie
Join Date: Nov 2004 Location: vancouver
Posts: 3,830
Thanked 835 Times in 420 Posts
Failed 153 Times in 51 Posts
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Originally Posted by Rallydrv if I dispute charges,if any it's not an issue. | have a dispute through VISA right now for some blinds i bought....its' taken 2 months so far and i still won't hear back for another 2 weeks
bull shit
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07-27-2017, 10:02 AM
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#541 | | I contribute to threads in the offtopic forum
Join Date: Mar 2011 Location: NYC
Posts: 2,714
Thanked 2,063 Times in 850 Posts
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| Quote:
Originally Posted by roastpuff Agree, love Amex's customer service. Their cards also have really good perks. If I was travelling more I would keep their cards. | Their Simply Cash card is pretty good - switched from AMEX Gold after my first year instead of applying for Tangerine MC.
Gonna shill for it a little bit. 0 annual fee, 5% cashback on food, gas, groceries in the first 3 months, 1.25% on everything else anytime. Has rental car CDW, travel accident insurance, purchase protection and assurance plans.
There's even $50 bonus if you sign up from referral code (PM me if you want it)
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12-01-2017, 01:00 PM
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#543 | | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,963
Thanked 5,080 Times in 1,857 Posts
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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).
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12-01-2017, 01:33 PM
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#544 | | I am Hook'd on RS
Join Date: Feb 2016
Posts: 67
Thanked 29 Times in 16 Posts
Failed 0 Times in 0 Posts
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Rogers Platinum Mastercard - 4% back on forex purchases with a 2.5% fee.
Also 1.75% back on everything else.
$29 annual fee, free first year and waived if your put your Rogers bill on it.
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12-01-2017, 02:52 PM
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#545 | | I help report spam so I got this! <--
Join Date: Dec 2010 Location: Vancouver
Posts: 2,867
Thanked 1,215 Times in 535 Posts
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BMO WorldElite Travel MasterCard - 3% returns on everything starting January. 150 annual fee. Posted this on the frugal thread.
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12-01-2017, 02:57 PM
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#546 | | I contribute to threads in the offtopic forum
Join Date: Jun 2013 Location: Burnaby
Posts: 2,621
Thanked 3,075 Times in 836 Posts
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Originally Posted by Nlkko BMO WorldElite Travel MasterCard - 3% returns on everything starting January. 150 annual fee. Posted this on the frugal thread. | It's actually 3% on gas, groceries, and entertainment. 2% on everything else, but once they come in with their devaluation of the card, the effective travel rewards is only like 1.4% or something.
the card is getting nerfed.
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12-01-2017, 03:14 PM
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#547 | | I answer every Emotion with an emoticon
Join Date: Aug 2007 Location: Paradise, BC
Posts: 7,922
Thanked 7,714 Times in 3,178 Posts
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Originally Posted by CivicBlues 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). | WTF?! Where did you learn about that?
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12-01-2017, 03:35 PM
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#548 | | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,963
Thanked 5,080 Times in 1,857 Posts
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12-01-2017, 03:39 PM
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#549 | | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,963
Thanked 5,080 Times in 1,857 Posts
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Does anyone have the FIDO card? FIDO MasterCard Credit Card Review - GreedyRates
I assume it's the same as the Rogers card with the 4% cashback on foreign purchases. But NO Annual Fee
Also, do these cashback balances translate to money credited back at the end/start of the year? Or is it money to be spent on Rogers/Fido purchases? Kinda how Fido Points works.
Last edited by CivicBlues; 12-01-2017 at 03:44 PM.
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12-01-2017, 03:56 PM
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#550 | | Revscene.net has a homepage?!
Join Date: Feb 2009 Location: Surrey
Posts: 1,253
Thanked 219 Times in 128 Posts
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Discontinuation of the Amazon Visa really sucks!
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