+1 for this, love it, great travel insurance and points, downside is the tiered point system

Tiered point system isn't an issue if you rack up lots of expenses. I just wait until I have a $700+ travel expense and then reimburse it. That usually happens at least every 3-4 months for me.

I thought the cards just double the manufacture warranty. How did he claim it on a shirt that did not originally come with any warranty?

That is quite good if they have stores that you go to since it ends up equating to 1.8% cash back.

You of course have currency exchange, but it's called Foreign Transaction fee. Every time you make a purchase outside of Canada they ding you 2.5% automatically and it just shows up on your bill. You don't notice it, but if you buy a lot of stuff from the states and pay attention to your spending, you'll see that it really adds up. The Amazon card is one of the few cards that don't charge you for foreign transactions.

Yeah I was considering that one a few months ago but ended up going with the AMEX SimplyCash Preferred Card. I don't travel much so I'd rather have cash back. It costs $79 but you get 5% back from all purchases for the first 6 months (capped at $400), then it's 1.5% off any. I then have my Amazon for US and MBNA which has been replaced by the AMEX.

There's two Capital One cards. The cashback one (aspire cash) and the travel one (aspire travel).

The Aspire Cash effectively gives 1.5% because they give you an annual 0.5% cashback on all your purchases. So it's 1% immediately then on your anniversary, they give you the 0.5%. No annual fee.

The Aspire Travel does 2% (IIRC) but it can also be used for cashback but again, the whole tiered system. Annual fee of $120 but you get $100 back annually for having the card so really it's $20 annually.

If I recall correctly, they no longer offer the Aspire Cash card except for those who already have one (myself included). I pair this card with the Amazon Visa (for US purchases).

I think the only limitation with the Capital one card is the $70K annual income requirement

How do you pay property tax via credit card???

Whats the best option for a 19 year old part time worker?

Currently looking at American express, or PC financial.

MBNA SmartCash.

subscribed
I need a new cc

bumping this - anyone remember how long it took to receive the amazon.ca card in the mail once they've applied for it online?

I got mines with in 5 business days?

From I can recall....

thanks. need it in august so good to know it comes quite quickly

For those of you that applied for the MBNA smart cash online, how long did it take to receive your card?
I applied online and while I was reading the confirmation page and authorization number and before i could press "print this page", the page was gone and went back to the MBNA home page??
Did this happen to anyone else?
My fingers weren't even on the keyboard or mouse...

Tempted to call customer service to verify..

Hey guys, I bank with TD. suggestion for card from them? Im still using their old rebate rewards card. Just thinking I have a home now and with all the payments and what not mounting just want to get something back that's worthwhile

Happened to me once when I was applying for the MBNA Alaska.
Came in 1-1.5 week. Don't remember about the SmartCash as it's been almost 2 years now.

I really like my RBC Avion card. With the amount of money that flows through my card on a yearly basis I basically fly for free when I need to.

What's your spending pattern?

That means nothing really unless we know $ to air miles conversion.

I really value SPG points as all my hotel stays are at starwood properties. In Canada I use the SPG AMEX which is great for me, but maybe not others. If you collect hotel points and value the 25% bonus in the multiple airplane partners that spg transfers to, then this is a great card.

I also have the Marriott visa which does not have any foreign transaction fees, so it's great while shopping abroad.

I just applied/was approved for the Amazon.ca Chase card since I do a big trip to the US at least once a year, maybe twice and do a gross amount of US online shopping. Hopefully I like it since it has mixed reviews on the Amazon site.

I've recently found out that paypal will almost always give a better conversion rate than the Amazon Visa. So if you can, avoid using the card unless you're shopping specifically on the Amazon website.

You can compare it yourself on the fly using this website to see Visa's conversion for the day:

Exchange Rate Calculator | Visa USA

True, but my bank charges $.50 for every auto w/d incl. PayPal, so easier to just use the card I figure.

^ pay with a CC through paypal

MBNA smart cash card is getting nerfed again.

Starting in September, any promotional balance transfers you do, is subject to a 3% transaction fee verses 1% from before.

Was one of my favorite cards due to low rates on balance transfers. But not sure after the rate change this coming September.

So i decided to throw up 600 bucks and get the Amex Aeroplan Reserve card. Since i do quite a bit of corporate flying, this seems like a good way to earn miles and get higher elite status.

It was a toss up between this card, the TD infinite privilage card, and the Amex Platinum. People say the amex platinum has more flexibility, but i primarily fly with air canada so the extra earning on air can makes more sense to me.

right now they giving away 80,000 aeroplan points if you sign up which isnt too bad. thats like a return trip to asia 4 free.