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11-30-2018, 11:55 PM
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#801 | | Need my Daily Fix of RS
Join Date: Mar 2008 Location: burnaby
Posts: 289
Thanked 344 Times in 74 Posts
Failed 111 Times in 18 Posts
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^^^does anyone know if fast food and coffee shops count as restaurants?
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12-01-2018, 12:28 AM
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#802 | | I subscribe to the Fight Club ONLY
Join Date: Aug 2007 Location: Paradise, BC
Posts: 7,423
Thanked 7,185 Times in 2,934 Posts
Failed 257 Times in 143 Posts
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Originally Posted by ray666  ^^^does anyone know if fast food and coffee shops count as restaurants? | Fast food -- definitely. At least McD, A&W, KFC / Taco Bell, Wendy's, Subway, etc. all count as restaurants.
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12-01-2018, 04:04 AM
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#803 | | Fathered more RS members than anybody else. Who's your daddy?
Join Date: Aug 2002
Posts: 25,123
Thanked 11,777 Times in 5,047 Posts
Failed 316 Times in 202 Posts
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I have a Triangle World Elite Mastercard and it gives me 3% back in Canadian Tire Money for groceries. However, it doesn't work at Walmart and Costco. I also get 4% at any of the Canadian Tire family of stores. 1% everywhere else. The 24 month no interest or fees on purchases over $200 at CT stores comes in handy.
For restaurants, I use the Costco Mastercard. It gets me 3% back at restaurants. That's the only time I use it. I use my PC World Elite at Costco. I get 1% back, which is better than the 0.8 I get from using Costco's own Mastercard, gulolol. For any place that takes it, which is few and far between, I use the American Express Card.
I also have a More Rewards Visa card, a Bay Mastercard and a few others. The More Visa card is pretty much useless. The points you earn are pretty much useless. It's there in case I ever go to Price Smart or Save-On Foods to get 7 times the points.
I would like to get the Simplii Cashback Visa, but I think I've got enough credit cards. 10% for for months of restaurants and bars, and 1.5 % in groceries sounds really good. Argh........
Oh, the Home Trust Visa is my go to card when shopping in the US.
__________________ Quote: |
"there but for the grace of god go I"
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Youth is, indeed, wasted on the young.
| YODO = You Only Die Once.
Dirty look from MG1 can melt steel beams.
"There must be dissonance before resolution - MG1" a musical reference.
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12-01-2018, 04:16 AM
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#804 | | Fathered more RS members than anybody else. Who's your daddy?
Join Date: Aug 2002
Posts: 25,123
Thanked 11,777 Times in 5,047 Posts
Failed 316 Times in 202 Posts
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Originally Posted by CorneringArtist Just got the Home Trust Visa after about 3 weeks. PIN came about 3 business days before the card itself. Wasn't aware that it has a 10 transaction limit, so I guess I have to take it easy when on vacation. | Has anyone tried calling them prior to going on a vacation to the US? I used to call Amazon/Chase Visa each time I went on a long trip to the US to avoid any declined transactions. I tell them where, when, and how long.
If they know that information, they may increase or even waive the limit???
I haven't been gone for long enough in the US since getting the HT Visa to go over that ten transaction limit.
__________________ Quote: |
"there but for the grace of god go I"
| Quote: |
Youth is, indeed, wasted on the young.
| YODO = You Only Die Once.
Dirty look from MG1 can melt steel beams.
"There must be dissonance before resolution - MG1" a musical reference.
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12-01-2018, 07:34 AM
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#805 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 17,708
Thanked 18,876 Times in 6,359 Posts
Failed 304 Times in 200 Posts
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Can’t speak for each company, but phoning in pre-trip has not done much for me before... sometimes they still cut it sometimes they didn’t.
TD never cuts my First Class card no matter what, no idea what their algorithms are, but travelling flags is definitely not one of them lol... CapitalOne or Alaska? Not so much, they don’t even like me buying from foreign websites Alaska (MBNA parent company) cuts m my card every single time I buy from amiami (Japan hobby site) and I have to call in every time, no matter how many notes they put on my account that I frequently buy from there. Gave up and do it through PayPal now, ironically onto the same credit card lol
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12-01-2018, 09:05 AM
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#806 | | :inoutugh:
Join Date: Feb 2008 Location: ඞ
Posts: 9,995
Thanked 5,855 Times in 1,847 Posts
Failed 970 Times in 279 Posts
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Originally Posted by MG1 Has anyone tried calling them prior to going on a vacation to the US? I used to call Amazon/Chase Visa each time I went on a long trip to the US to avoid any declined transactions. I tell them where, when, and how long.
If they know that information, they may increase or even waive the limit???
I haven't been gone for long enough in the US since getting the HT Visa to go over that ten transaction limit. | I didn't call when I used my HT card multiple times on vacation, did not have any issues. I did not have a problem with the apparent 10 transactions a day limit or low spending limit.
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12-01-2018, 10:27 AM
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#807 | | Revscene.net has a homepage?!
Join Date: Feb 2009 Location: Surrey
Posts: 1,253
Thanked 219 Times in 128 Posts
Failed 13 Times in 8 Posts
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Originally Posted by MG1 Has anyone tried calling them prior to going on a vacation to the US? I used to call Amazon/Chase Visa each time I went on a long trip to the US to avoid any declined transactions. I tell them where, when, and how long.
If they know that information, they may increase or even waive the limit???
I haven't been gone for long enough in the US since getting the HT Visa to go over that ten transaction limit. | I didn't before I went to Vegas for a weekend. Used the card a few times without issue. I did however get an email citing possible fraudulent activity on my card once I got home for the period I was in Vegas.
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S14.5
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12-01-2018, 05:23 PM
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#808 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: Vansterdam
Posts: 8,143
Thanked 1,863 Times in 970 Posts
Failed 85 Times in 24 Posts
| Quote:
Originally Posted by MG1 Has anyone tried calling them prior to going on a vacation to the US? I used to call Amazon/Chase Visa each time I went on a long trip to the US to avoid any declined transactions. I tell them where, when, and how long.
If they know that information, they may increase or even waive the limit???
I haven't been gone for long enough in the US since getting the HT Visa to go over that ten transaction limit. | There used to be an option online (Capital One) where I can indicate that I'm travelling and about a year ago I noticed it was gone so called them and they said there is no need to anymore.
__________________
"back at the line to Babych.... LONG SHOT....Potvin had trouble with it....ADAM SHOOTS SCORES!!!!
GREG ADAMS!! GREG ADAMS!!"
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12-02-2018, 02:35 PM
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#809 | | Even when im right, revscene.net is still right!
Join Date: Jun 2002 Location: Vancity
Posts: 1,365
Thanked 156 Times in 63 Posts
Failed 37 Times in 20 Posts
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off topic question. does anyone know if i can pay using my td debit/access card and charge to my us chequing account while i'm in the states or do i need a separate us visa/us debit? thanks!
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12-03-2018, 02:52 PM
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#810 | | I contribute to threads in the offtopic forum
Join Date: Apr 2007 Location: AB
Posts: 2,777
Thanked 234 Times in 96 Posts
Failed 113 Times in 59 Posts
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a lot of pages to scroll through
looking for a cash back card on groceries / restaurants as that's where majority of my spendings go towards
can anyone sum up maybe top 3-5
much appreciated
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12-03-2018, 03:28 PM
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#811 | | I subscribe to the Fight Club ONLY
Join Date: Aug 2007 Location: Paradise, BC
Posts: 7,423
Thanked 7,185 Times in 2,934 Posts
Failed 257 Times in 143 Posts
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Originally Posted by m4k4v4li a lot of pages to scroll through
looking for a cash back card on groceries / restaurants as that's where majority of my spendings go towards
can anyone sum up maybe top 3-5
much appreciated | No annual fee:
1) Simplii Cash Back VISA -- 4% on restaurants, 1.5% on gas / groceries / drug store, 0.5% on others
2) Tangerine Mastercard -- 2% rebate on up to 3 categories, 0.5% on others . Many of us would appreciate an offer to send you a referral, since both parties would benefit.
Annual Fee:
1) Scotiabank Momentum Visa Infinite - 4% on gas / groceries, 2% on drug store / recurring bills, 1% on everything else
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12-05-2018, 09:19 PM
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#812 | | RS controls my life!
Join Date: Feb 2005 Location: Vancouver
Posts: 765
Thanked 70 Times in 27 Posts
Failed 3 Times in 3 Posts
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Originally Posted by supafamous I just got my Scotiabank Passport Visa Infinite card - $139/yr but no FX charges and equivalent to 2% cash back (travel points). Handy for me as I spend upwards of $10K/yr in the US for work and work gives me the 2.5% back so it turns out to a huge bargain to have this card.
If you've got the spending habits then this one is pretty nice. | Any updates from this card use? I was thinking of getting it since I go to US frequently and UBER is included in usage.
Also unlimited use unlike the Home Trust Visa which caps at 10 transactions a day.
The Rogers WE MC has 4% cashback but charges the FX fee (usually around 2.5-3%) so 1-1.5% cashback.
The $139 dollar AF is a bit steep but 6 free PP a year is a nice catch. You could do better with other cards or a mix of cards but I just want 1 card (for now..)
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12-05-2018, 09:35 PM
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#813 | | I help report spam so I got this! <--
Join Date: Dec 2010 Location: Vancouver
Posts: 2,867
Thanked 1,215 Times in 535 Posts
Failed 275 Times in 114 Posts
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Get the Rogers WE with no annual fee for foreign spending. No fx card can beat that one.
The Scotia Passport is a shit card. Who pay $139 a year for terrible rewards? Lounge passes are gimmicks.
My current combo is Rogers WE + Amex SCP. Retired the MBNA WE because of the nerf (what a great card that was). Would go with the Rogers WE as a single card but the credit limit is so pathetic I'd have 100% utilization every month.
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12-05-2018, 09:54 PM
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#814 | | RS controls my life!
Join Date: Feb 2005 Location: Vancouver
Posts: 765
Thanked 70 Times in 27 Posts
Failed 3 Times in 3 Posts
| Quote:
Originally Posted by Nlkko Get the Rogers WE with no annual fee for foreign spending. No fx card can beat that one.
The Scotia Passport is a shit card. Who pay $139 a year for terrible rewards? Lounge passes are gimmicks.
My current combo is Rogers WE + Amex SCP. Retired the MBNA WE because of the nerf (what a great card that was). Would go with the Rogers WE as a single card but the credit limit is so pathetic I'd have 100% utilization every month. | If it was a VISA I would jump on it.
I'm going to cancel my current MNBA Platinum Plus MC since the balance transfers are at a higher rate now and get the ROGERS WE MC.
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01-03-2019, 08:22 PM
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#815 | | RS controls my life!
Join Date: Feb 2005 Location: Vancouver
Posts: 765
Thanked 70 Times in 27 Posts
Failed 3 Times in 3 Posts
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Hey guys,
Any AMEX card to recommend? I was looking at the Starwood Preferred Guest Credit Card from American Express
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01-03-2019, 10:18 PM
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#816 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,120
Thanked 9,906 Times in 3,932 Posts
Failed 881 Times in 421 Posts
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what's a good replacement for MBNA World Elite? they raised the fee Quote:
Originally Posted by MG1 Has anyone tried calling them prior to going on a vacation to the US? I used to call Amazon/Chase Visa each time I went on a long trip to the US to avoid any declined transactions. I tell them where, when, and how long.
If they know that information, they may increase or even waive the limit???
I haven't been gone for long enough in the US since getting the HT Visa to go over that ten transaction limit. | i called in and was concious about the limit, was able to go over it in LA
I usually carry a backup card on the road anyways
HT is nice in that if they suspect susp activity, they'll e-mail you for verification
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01-04-2019, 01:10 AM
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#817 | | I help report spam so I got this! <--
Join Date: Dec 2010 Location: Vancouver
Posts: 2,867
Thanked 1,215 Times in 535 Posts
Failed 275 Times in 114 Posts
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There is no good VISA rewards card that can match Mastercard's and Amex's products. Visa cards have annual high fee, shit rewards or have lame ass restrictions like Home Trust Preferred. Just look at card portfolio of banks that have strictly VISA like RBC. What a joke.
Amex SPG Starwood used to be a great card but I think that got devalued a few months ago? Anyways most people use AirBnB nowadays... Amex Cobalt and Simply Cash Preferred would my choices.
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01-04-2019, 07:31 AM
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#818 | | OMGWTFBBQ is a common word I say everyday
Join Date: Jul 2006 Location: Vancouver
Posts: 5,439
Thanked 3,162 Times in 1,342 Posts
Failed 46 Times in 26 Posts
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Originally Posted by l2_narain Hey guys,
Any AMEX card to recommend? I was looking at the Starwood Preferred Guest Credit Card from American Express | What do you want it for? Travel, cash back, rewards/exclusivity?
I'm a big fan of the Amex Membership Rewards Gold Card, it's a really good card for travel with great insurance policies. Otherwise the Simply Cash Preferred is a great every day CB card. Quote:
Originally Posted by Nlkko There is no good VISA rewards card that can match Mastercard's and Amex's products. Visa cards have annual high fee, shit rewards or have lame ass restrictions like Home Trust Preferred. Just look at card portfolio of banks that have strictly VISA like RBC. What a joke.
Amex SPG Starwood used to be a great card but I think that got devalued a few months ago? Anyways most people use AirBnB nowadays... Amex Cobalt and Simply Cash Preferred would my choices. | The Scotia Momentum Visa Infinite is a pretty good cash back card IMO, especially with the current 10% bonus CB.
Amex SPG got devalued simply because SPG merged with Marriott. What a loss of a great hotel program.
__________________ 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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01-04-2019, 10:04 AM
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#819 | | RS controls my life!
Join Date: Feb 2005 Location: Vancouver
Posts: 765
Thanked 70 Times in 27 Posts
Failed 3 Times in 3 Posts
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Originally Posted by roastpuff What do you want it for? Travel, cash back, rewards/exclusivity?
I'm a big fan of the Amex Membership Rewards Gold Card, it's a really good card for travel with great insurance policies. Otherwise the Simply Cash Preferred is a great every day CB card.
The Scotia Momentum Visa Infinite is a pretty good cash back card IMO, especially with the current 10% bonus CB.
Amex SPG got devalued simply because SPG merged with Marriott. What a loss of a great hotel program. | I wanted the AMEX for the rewards/exclusivity. Another card I was looking at was the American Express AIR MILES Credit Card with no annual fee.
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01-04-2019, 11:45 AM
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#820 | | OMGWTFBBQ is a common word I say everyday
Join Date: Jul 2006 Location: Vancouver
Posts: 5,439
Thanked 3,162 Times in 1,342 Posts
Failed 46 Times in 26 Posts
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Originally Posted by l2_narain I wanted the AMEX for the rewards/exclusivity. Another card I was looking at was the American Express AIR MILES Credit Card with no annual fee. | Air Miles is trash skip that card. Exclusivity/rewards... Amex Platinum is actually very good if you can get past the costs. The business version costs less but has the same perks. Again, recommend the Membership Rewards Gold or Simply Cash Preferred depending on whether you want travel miles (convertible to airline miles which can be great value depending on usage) or cash back. Can usually find FYF deals on those.
Amex Fine Hotels and Resorts is great for hotel perks/benefits, and Amex Travel is very very good. Competitive prices and their call centre agents are 99% competent. I love Amex CS - they really treat you well and go above and beyond.
__________________ 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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01-04-2019, 11:55 AM
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#821 | | RS has made me the bitter person i am today!
Join Date: Apr 2013 Location: revscene
Posts: 4,651
Thanked 5,140 Times in 1,793 Posts
Failed 169 Times in 67 Posts
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I have simply cash preferred. It helped offset our crappy exchange rate when I was in the promo period - I maxed out on cash back before the time period ended.
5% cb, no complaints here. I used it as the card to buy car parts.
Sent from my Pixel XL using Tapatalk
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|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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01-04-2019, 09:53 PM
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#822 | | My homepage has been set to RS
Join Date: Jun 2008 Location: Nowhere
Posts: 2,294
Thanked 848 Times in 392 Posts
Failed 59 Times in 28 Posts
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I got that new canadian tire card. Free road assistance on the black card, and great benefits/rewards with ct money, and sportschek, marks.
I shop at those stores and figure its' a solid card to have.
I alternate from that and the PC World Elite
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01-04-2019, 09:59 PM
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#823 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: Vansterdam
Posts: 8,143
Thanked 1,863 Times in 970 Posts
Failed 85 Times in 24 Posts
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Originally Posted by subordinate I got that new canadian tire card. Free road assistance on the black card, and great benefits/rewards with ct money, and sportschek, marks.
I shop at those stores and figure its' a solid card to have.
I alternate from that and the PC World Elite | Just got the PC World Elite since I shop at Super a lot but what a brutal card to deal with online. Over 2 weeks now and still can't register an account online and reading online there are hundreds of complaints since they swapped to the new site. Some people even reporting it's been months and still can't get back online to view their activity. Call them and all they say is i'm not in the system yet that's why I can't verify? Like wtf really not in the system? I've been using the damn card for over 2 weeks now.
__________________
"back at the line to Babych.... LONG SHOT....Potvin had trouble with it....ADAM SHOOTS SCORES!!!!
GREG ADAMS!! GREG ADAMS!!"
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01-04-2019, 10:16 PM
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#824 | | My homepage has been set to RS
Join Date: Jun 2008 Location: Nowhere
Posts: 2,294
Thanked 848 Times in 392 Posts
Failed 59 Times in 28 Posts
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Originally Posted by winson604 Just got the PC World Elite since I shop at Super a lot but what a brutal card to deal with online. Over 2 weeks now and still can't register an account online and reading online there are hundreds of complaints since they swapped to the new site. Some people even reporting it's been months and still can't get back online to view their activity. Call them and all they say is i'm not in the system yet that's why I can't verify? Like wtf really not in the system? I've been using the damn card for over 2 weeks now. | I agree with you. I'm a long time member and when the new site came, it's been a pain in the ass.
Sometimes it keeps asking me to verify.
The card is great though, with the points and occasional shoppers drug mart bonus days i.e/ 300 points to 450 redemption. Since signing up, I've probably got about 600? bucks back in points. Since over a year ish.
If you have a family, the PC Insider program at 50% often is great. A friend saved a bunch during a diaper deal they had.
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01-04-2019, 11:02 PM
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#825 | | I keep RS good
Join Date: May 2001 Location: Cosmos
Posts: 28,729
Thanked 5,594 Times in 1,522 Posts
Failed 875 Times in 298 Posts
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SimplyCashTM Preferred Card from American Express
Earn 5% cashback in your first 6 months
2% back thereafter.
its the new cash back card since mastercard lowered their 2% to 1.67%.
Last edited by Ulic Qel-Droma; 01-05-2019 at 09:54 PM.
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