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04-02-2024, 09:30 PM
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#226 | | I contribute to threads in the offtopic forum
Join Date: Mar 2011 Location: NYC
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| Quote:
Originally Posted by hud 91gt  Any advice for hotel stays with CC points?
Building a house so may as well get a mucho returno credit card going with the most rewards for the entire life savings I’m about to spend lol. | Right now, Hyatt is the only hotel rewards program worth a damn; challenge is no Canadian card transfers to em.
If you wanna go full ham, I'd find a way to get an ITIN and get started on some Chase cards
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04-02-2024, 10:22 PM
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#227 | | OMGWTFBBQ is a common word I say everyday
Join Date: Dec 2002 Location: YVR/TPE
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Originally Posted by whitev70r Not to hijack this thread but similar question.
Does anyone have a suggestion for best bank account, by that I mean no monthly fees and free ATM, e-transfers. I know you prob have to keep balance over a certain amount but are there any such accounts? | IIRC, BMO's all-inclusive account is free with 6k balance.
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04-02-2024, 10:28 PM
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#228 | | My homepage has been set to RS
Join Date: Jan 2006 Location: vancouver
Posts: 2,450
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missed HSBC
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04-02-2024, 10:28 PM
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#229 | | Rs has made me the woman i am today!
Join Date: Mar 2011 Location: Vancouver
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| Quote:
Originally Posted by Hehe IIRC, BMO's all-inclusive account is free with 6k balance. | TD's all inclusive plan is free as well at a $5k monthly balance. If you can maintain a $5k balance then the big banks are all the best bets - just a matter of who has a branch/ATM near you or if you already bank with them in other ways. Most of the big banks will also cover the annual fee on one of their premium cards - I get my TD Aeroplan card for free.
If you can't keep a balance then Tangerine works just fine as a free account especially if you have a Scotia ATM/branch near you.
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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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04-02-2024, 10:48 PM
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#230 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
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Originally Posted by whitev70r Not to hijack this thread but similar question.
Does anyone have a suggestion for best bank account, by that I mean no monthly fees and free ATM, e-transfers. I know you prob have to keep balance over a certain amount but are there any such accounts? | EQ Bank - https://www.eqbank.ca/personal-banking/personal-account
No monthly fees
Free ATM anywhere in Canada
Free e-transfers
No minimum balance required
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Originally Posted by Badhobz I used to date this crazy cbc bitch in college.
I miss this slut and her magical ass. | Quote:
Originally Posted by Mikoyan Dedication page: "DLLMGCH Hehe." | | |
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04-03-2024, 07:40 AM
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#231 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Nov 2002 Location: 604
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So EQ is like Tangerine ... except with the Levy father-son as their face of the bank except with different features.
Here's a comparison chart of the two https://www.nerdwallet.com/ca/bankin...k-vs-tangerine | |
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04-03-2024, 12:58 PM
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#232 | | RS Veteran
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Yes, similar but they have their differences. As they say. Pick your poison.
I've been using EQ Bank for a number of years. So far, so good.
__________________ Quote:
Originally Posted by Badhobz I used to date this crazy cbc bitch in college.
I miss this slut and her magical ass. | Quote:
Originally Posted by Mikoyan Dedication page: "DLLMGCH Hehe." | | |
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04-03-2024, 02:28 PM
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#233 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
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I flip $ between EQ and Tangerine depending who has better rates at any given time. Works good.
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04-03-2024, 02:58 PM
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#234 | | RS Veteran
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Ballin'! 
__________________ Quote:
Originally Posted by Badhobz I used to date this crazy cbc bitch in college.
I miss this slut and her magical ass. | Quote:
Originally Posted by Mikoyan Dedication page: "DLLMGCH Hehe." | | |
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04-04-2024, 05:54 AM
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#235 | | I *heart* Revscene.net very Muchie
Join Date: Jan 2002 Location: Ottawa
Posts: 3,549
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Originally Posted by Bender Unit BUMP.
Just realized HSBC is going to cancel the World Elite MC.
That's my MAIN card which I love it very much.
What's the closest alternative | If you are a current holder of the HSBC WE MC, you would've received a transition package to RBC and a new RBC Avion visa (that includes the same terms for 1 year as the HSBC MC) card.
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04-04-2024, 09:59 AM
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#236 | | OMGWTFBBQ is a common word I say everyday
Join Date: Dec 2002 Location: YVR/TPE
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Originally Posted by Infiniti If you are a current holder of the HSBC WE MC, you would've received a transition package to RBC and a new RBC Avion visa (that includes the same terms for 1 year as the HSBC MC) card. | But you can't use them at Costco Canada! It sucks as that was my Costco card.
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04-04-2024, 11:34 AM
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#237 | | Diagonally parked in a parallel universe
Join Date: Jul 2015
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I ended up with the Rogers Mastercard now that my HSBC card is gone. Quote:
World Elite MC (starting on April 9, 2024):
- 3% on purchases in USD.
- 1.5% on everything else if you have no Rogers/Fido/Shaw Services.
- 2% on everything if you have at least one Rogers/Fido/Shaw service.
- 1.5x bonus when you redeem on any Rogers/Fido/Shaw purchase charged to the card. It equals to 4.5% (4.5% - 2.5% FX Fee = net 2% return) on purchases in USD and 3% on everything else when you have at least one Rogers/Fido/Shaw service.
- 5 Roam Like Home days for free every card membership year (Rogers mobile customers only)
| Details here: https://forums.redflagdeals.com/roge...thing-2292136/
Originally I was going to live with the Avion Visa until realizing I still need a Mastercard for Costco.
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04-04-2024, 11:49 AM
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#238 | | Rs has made me the woman i am today!
Join Date: Mar 2011 Location: Vancouver
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Originally Posted by radeonboy | That's a very solid card as a #2 card (after the Cobalt). If I didn't spend so much on Amazon (I use the MBNA Amazon MC) I'd consider that as my standard MC.
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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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05-07-2024, 10:21 PM
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#239 | | Rs has made me the man i am today!
Join Date: Sep 2004 Location: Canada
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| https://youtu.be/KAHrH06BaVQ?si=mOajYwYPspWT9cD-
The Rogers mastercard made it to this guys top 7 list
Last edited by SSM_DC5; 05-08-2024 at 08:09 AM.
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05-08-2024, 06:15 AM
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#240 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
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Hmm your link went to a BMO card video.
__________________ Quote:
Originally Posted by Badhobz I used to date this crazy cbc bitch in college.
I miss this slut and her magical ass. | Quote:
Originally Posted by Mikoyan Dedication page: "DLLMGCH Hehe." | | |
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05-08-2024, 08:10 AM
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#241 | | Rs has made me the man i am today!
Join Date: Sep 2004 Location: Canada
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K, try again. I think it copied the link to the ad after the video finished
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08-27-2025, 05:20 PM
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#242 | | Rs has made me the woman i am today!
Join Date: Mar 2011 Location: Vancouver
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So Amex is raising the monthly fees on its Cobalt card to $15.99/mo and I'm not sure I'm going to stick with it as my bonuses are gone and I just don't eat out as much as I used to and most of my grocery shopping is at Costco/Superstore now.
What's everyone preferred card stack right now?
I'm:
Cobalt: Groceries (Save-On/PriceSmart), Restaurants
Amazon MC: Amazon and Costco
CT MC: Prop tax, utilities.
TD Visa Infinite Aeroplan (free card): Everything else
This used to work great for me when I ate out a lot, bought tonnes on Amazon, and shopped more at Save-On but all three of those are down a lot this year (and will be for the next few years).
Other considerations:
- I'm not with Rogers so the Rogers card isn't that appealing to me (I think).
- I've been mostly collecting points the last 3 years. I have >525k Amex points and >200k Aeroplan.
- I'm self-employed now so that will limit some of my card options (My wife earns over $100k though so we can apply through her).
- We spend over $1k/mo at Costco
- We won't be travelling to the states any time soon but we do plan on international travel in the coming years (Japan!)
- Amex restaurant spending is only around $600/mo now, the rest goes on other cards or is in cash.
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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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08-27-2025, 07:58 PM
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#243 | | Say! Say! Say!
Join Date: Aug 2005 Location: Japan
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Based on what you're saying, I'd just replace the Cobalt with the TD Aeroplan card to continue racking up AP points and keep everything else the way it is.
__________________ Quote: | Owner of Vansterdam's 420th thanks. OH YEAUHHH. | Quote:
Originally Posted by 89blkcivic Did I tell you guys black is my favourite colour? My Ridgeline is black. My Honda Fit is black. Wish my dick was black........ LOL. | | |
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08-27-2025, 10:29 PM
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#244 | | Willing to sell a family member for a few minutes on RS
Join Date: Oct 2016 Location: Ricemond
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I switched from Amex aeroplan reserve to the TD Infiniti aeroplan prestige reserve douche bag card. Whatever it’s called, it’s the same thing as the Amex card other than it’s a visa and taken everywhere.
The Amex card was okay but nobody wanted to take it in Asia.
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Geriatric Motoring Crub Member #444 | |
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08-30-2025, 07:47 PM
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#245 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: GTA, BC, HK
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i just want the best cash back...
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08-30-2025, 08:06 PM
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#246 | | Willing to sell a family member for a few minutes on RS
Join Date: Oct 2016 Location: Ricemond
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Cash back is the worst option to take. Always go with a mileage or rewards card as the perks easily pay for themselves and then some.
For example my td aeroplan blah blah blah 599 annual fee one comes with a companion pass. That means my wife flies whatever class I pick and pays a 300 dollar “fee”. That’s a huge saving by itself. Used it in Australia and saved like 3k right there. Single perk.
Not to mention the amount of aeroplan points I’ve accumulated. If you spend like me, you’ll easily get two business class tickets to Hong Kong round trip every year on points alone. That’s what ? 8-10k a ticket ? So almost 20k of rewards right there.
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Geriatric Motoring Crub Member #444 | |
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08-30-2025, 08:36 PM
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#247 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 32,576
Thanked 14,167 Times in 5,917 Posts
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Originally Posted by Badhobz If you spend like me. | There is you. 
And there is everyone else. 
__________________ Quote:
Originally Posted by Badhobz I used to date this crazy cbc bitch in college.
I miss this slut and her magical ass. | Quote:
Originally Posted by Mikoyan Dedication page: "DLLMGCH Hehe." | | |
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08-30-2025, 11:47 PM
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#248 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 18,706
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Start typing my name on application for TD Aeroplan and it stopped me like 3 letters in, said not Hobz or Asian enough. Better luck next time.
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08-31-2025, 02:34 AM
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#249 | | OMGWTFBBQ is a common word I say everyday
Join Date: Dec 2002 Location: YVR/TPE
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If you primarily fly AC, TD Aero or AMEX Aero are the two best cards.
But if you don't fly AC or like me, who avoid AC whenever I have the option, I suggest AMEX Cobalt. The requirement isn't all that bad and the transfer partner flexibility is amazing.
This is especially useful if you want to fly first class on points as most airlines with truly good F now kinda reserve their F for only their own mileage members.
Of course there's AMEX Platinum if you are big business spenders. Unlike Cobalt, which has a usual limit, the Platinum has no hard limit per se unless they suspect a fraud. Works great for businesses (or if you can get reimbursed) since you never want to be in a position where your card gets declined. A buddy of mine racks up anywhere from 200-400k a month on average and up to 800k for his video production business, he's firm AMEX Plat believer as he never has to worry getting to close to the spending limit. It's not a perk for most, but if you are spending for business, it's definitely worth looking into and one that I rarely hear people talking about.
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08-31-2025, 09:36 AM
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#250 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2010 Location: /
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Originally Posted by AstulzerRZD Right now, Hyatt is the only hotel rewards program worth a damn; challenge is no Canadian card transfers to em.
If you wanna go full ham, I'd find a way to get an ITIN and get started on some Chase cards | Anyone gotten a ITIN and gotten US Cards?
I heard of Canadians using their friends address in NY to ship cards and also be an Auth user to build credit.
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