[CRS]

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]

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]

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]

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]

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

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? :badpokerface:

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]

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]

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/t/Cash-Back-Credit-Cards/

[slow-fastback]

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 (http://creditcards.redflagdeals.com/t/Cash-Back-Credit-Cards/)

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 (http://forums.redflagdeals.com/websaver-ca-free-100-gift-card-amazon-best-buy-toysrus-etc-cc-signup-1417643/)

[lowside67]

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]

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]

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/products-services/banking/credit-cards/view-all-cards/aeroplan-infinite-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/B00AFGCPZ2/ref=ca_ccmp_cbcc_en?ie=UTF8&plattr=CACCMP&pf_rd_m=A3DWYIK6Y9EEQB&pf_rd_s=center-3&pf_rd_r=1SJ323R773R0FZGF986C&pf_rd_t=101&pf_rd_p=1650510482&pf_rd_i=3230544011

Any comments on this amazon card?

Looking for a Visa that has no foreign transaction fees.

[JKam]

so td released a new aeroplan visa infinite card: https://www.tdcanadatrust.com/products-services/banking/credit-cards/view-all-cards/aeroplan-infinite-card.jsp

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

If you shop at places that give aeroplan points you get to basically collect double the points. Still looking into it but I think I might make the switch. Only thing is I don't know if I'll get my fee waived or not like the travel infinite..

Also your TD points transfer 4:1 aeroplan point which isn't really worth it if you have a ton of TD points.

[noclue]

http://www.amazon.ca/gp/product/B00AFGCPZ2/ref=ca_ccmp_cbcc_en?ie=UTF8&plattr=CACCMP&pf_rd_m=A3DWYIK6Y9EEQB&pf_rd_s=center-3&pf_rd_r=1SJ323R773R0FZGF986C&pf_rd_t=101&pf_rd_p=1650510482&pf_rd_i=3230544011

Any comments on this amazon card?

Looking for a Visa that has no foreign transaction fees.

Get the Chase Marriott version if you travel.

Anyone recommend the best travel card for mastercard? Don't care about annual fee.

[franklucas]

Hey was wondering whats a good CC to apply? With RBC at the moment, and have looked at a few cards, just need a decent card with good features and preferably cashback. Full time worker and student that will just use it for everday purchases (and big ones. Using debit at the moment.
Posted via RS Mobile

[highfive]

If you shop at places that give aeroplan points you get to basically collect double the points. Still looking into it but I think I might make the switch. Only thing is I don't know if I'll get my fee waived or not like the travel infinite..

Also your TD points transfer 4:1 aeroplan point which isn't really worth it if you have a ton of TD points.

Are you referring to TD first class points can be transferred to aeroplan points? I thought you can't?

[Teriyaki]

Are you referring to TD first class points can be transferred to aeroplan points? I thought you can't?

You have the option to transfer upon first switching cards. First year is free for all customers. No brainer if you qualify for it.

[dasani604]

If you shop at places that give aeroplan points you get to basically collect double the points. Still looking into it but I think I might make the switch. Only thing is I don't know if I'll get my fee waived or not like the travel infinite..

Also your TD points transfer 4:1 aeroplan point which isn't really worth it if you have a ton of TD points.

First year is free. Subsequent years you will have to pay $120. The fee will not be waived by the All-Inclusive account. TD will still continue to support its existing TD First Class Travel VISA Infinite card with the all-premium package.

You collect double the points if you have an actual Aeroplan member card which you then present along with paying with your TD Aeroplan VISA.

[Hondaracer]

has anyone had any luck in getting their CC to waive the balance protector premium?

[Teriyaki]

highly doubt any financial institute would waive that charge. Maybe as a one-off, but definitely not on a continuous basis. I'd imagine that'd be a pretty big profit centre for Visa/MC.

[CPE]

has anyone had any luck in getting their CC to waive the balance protector premium?

Doubt they would waive it completely for you, but if you just want to get rid of it all together, just give Visa a call and tell them to cancel it.

[ilvtofu]

http://www.amazon.ca/gp/product/B00AFGCPZ2/ref=ca_ccmp_cbcc_en?ie=UTF8&plattr=CACCMP&pf_rd_m=A3DWYIK6Y9EEQB&pf_rd_s=center-3&pf_rd_r=1SJ323R773R0FZGF986C&pf_rd_t=101&pf_rd_p=1650510482&pf_rd_i=3230544011

Any comments on this amazon card?

Looking for a Visa that has no foreign transaction fees.

I'm using that one now, the "cashback" kinda works better than my old MBNA one and getting the $15 gift (now $20) gift certificate was a nice perk. I hate how the card is butt ugly though...

[Razor Ramon HG]

What's the best CC for collecting travel miles? I was reading on the AMEX Aeroplan Plus that's on the list here on RFD - Hot Deals (http://forums.redflagdeals.com/hot-deals-f9/?c=5131)

But many places don't use AMEX.. and I prefer to have just one main credit card. Right now, I have the RBC 1% Cash Back.

[nabs]

^^
I thought the same thing, until I got one myself. You just have to ask! I've only been turned down a couple times and those have always been at small shops and restaurants.

[lowside67]

What's the best CC for collecting travel miles? I was reading on the AMEX Aeroplan Plus that's on the list here on RFD - Hot Deals (http://forums.redflagdeals.com/hot-deals-f9/?c=5131)

But many places don't use AMEX.. and I prefer to have just one main credit card. Right now, I have the RBC 1% Cash Back.
My monthly spend is now 85% AmEx and 15% Visa, from 100% Visa. I find short of buying coffee with it, I have no problems at all - online purchases, restaurants, gas, shopping, it's all good.

If you're going to get the American Express card, I would really appreciate your using my link, which is here:

Affiliate link removed
But don't get the AmEx Aeroplan Plus card, get the AmEx Aeroplan Gold card as it gives you more points upon signing up (30000 vs 5000!), more points per spend, and is free for the first year anyways.

Cheers

[m3thods]

Yeah nowadays you can count on any bigger retail store/restaurant to take Amex. Even McDonalds/Tim Hortons take Amex now. The only times I've been declined were smaller Chinese restaurants (expected), and boutique retail shops (again, expected).

My monthly spend is now 85% AmEx and 15% Visa, from 100% Visa. I find short of buying coffee with it, I have no problems at all - online purchases, restaurants, gas, shopping, it's all good.

If you're going to get the American Express card, I would really appreciate your using my link, which is here:

Affiliate link removed
But don't get the AmEx Aeroplan Plus card, get the AmEx Aeroplan Gold card as it gives you more points upon signing up, more points per spend, and is free for the first year anyways.

Cheers

Depending on where you buy your coffee: I already mentioned Tim Hortons, but I have my Amex linked to my paypal, which I use for my Starbucks account refills. I use my Mastercard only when Amex isn't accepted, and it's not that often I use it.

[TypeRNammer]

I'm using that one now, the "cashback" kinda works better than my old MBNA one and getting the $15 gift (now $20) gift certificate was a nice perk. I hate how the card is butt ugly though...

Yeah the card is pretty ugly, partially matte green :badpokerface:

They gave me one with a low credit limit of $2400.

[MG1]

Thinking of getting the Amazon CC for the times I get gas south of the border. I've been reading some negative reviews about their billing. Was wondering if others had issues with billing.

My alternative would be the Chase Marriot card. I don't travel often, but might in the near future. Need first hand info on this card as well.

[CRS]

Thinking of getting the Amazon CC for the times I get gas south of the border. I've been reading some negative reviews about their billing. Was wondering if others had issues with billing.

My alternative would be the Chase Marriot card. I don't travel often, but might in the near future. Need first hand info on this card as well.

Never had an issue with billing...

What in specific was the issue?

[nabs]

BTW, for those contemplating on the AMEX Aeroplan card.

I love it so far! It sends me email reminders weekly (or however you set it) on my balance just so I can keep an eye on it. Very friendly customer service people, they don't waste your time. Easy to use online interface as well.

Nothing I can think of that would make their service better.

[v_tec]

I signed up for Amex Gold [non Aeroplan] last week.

Can't wait to get the card :fullofwin:

[Ch28]

Do those of you with AMEX cards have a hard time using them here in Vancouver?

[dasani604]

I signed up for Amex Gold [non Aeroplan] last week.

Can't wait to get the card :fullofwin:

Ditto. I've been seeing more of these pop up in Vancouver lately.

[v_tec]

Do those of you with AMEX cards have a hard time using them here in Vancouver?

Depends where you normally shop...

[jackmeister]

Do those of you with AMEX cards have a hard time using them here in Vancouver?

Most Asian places that take credit card usually decline amex because their service charges are much more than visa/mastercard

But your regular non-asian businesses, big box furniture stores, and gas stations, usually will take AMEX.

Someone's gotta pay for those crazy benefits. And it isn't you directly.

[MG1]

Someone's gotta pay for those crazy benefits. And it isn't you directly.

Businesses just tack on whatever to their prices....... hence prices at Asian places are lower. Cash only is best for them and you in the long run.

BTW, I have Amex Platinum card because of Costco. No other reason.

I have PC Financial Black card because of Superstore.


Now I want a card with no foreign exchange transaction fee for buying gas south of border.

I don't always get gas at Costco. 6 cents a gallon cheaper is like less than 2 cents a litre cheaper, so getting gas at Sumas and not having to travel to Bellingham makes total cents. On top of that, Amex has 2.5 percent transaction charge on top of exchange rate.

[GLOW]

i only use AMEX at costco and gas stations. small businesses don't usually accept AMEX i found.

[m3thods]

Do those of you with AMEX cards have a hard time using them here in Vancouver?

Nope. My Costco AMEX pays for itself (the Costco fee) with the card used mainly for gas and Costco (it's my dedicated gas card).

As for restaurants- I find that quite a number of non-Asian restaurants take it. Any bigger chain restaurant takes it as well (think White Spot, Cactus, McDonalds, Tim Hortons).

For all else, I have a PC World MC. But basically my AMEX has only been denied at smaller stores and Asian restaurants.

[Jer3]

has anyone ever used the concierge service that comes with the higher tier cards? i've read that they can often secure reservations in hard to book restaurants.

[v_tec]

Amex arrived today :fullofwin:

[v_tec]

has anyone ever used the concierge service that comes with the higher tier cards? i've read that they can often secure reservations in hard to book restaurants.

They can. But which kind of restaurants did you had in mind?

[rriggi]

Got my Amex because of this thread.

Just got my 25,000 bonus points as well and converted them all to Aeroplan with a phone call. The customer support is on another level compared to the other CC companies. Everytime I call CIBC I feel like I'm suspected of theft or something with the 6000 verification questions they ask.

[Ch28]

Most Asian places that take credit card usually decline amex because their service charges are much more than visa/mastercard

But your regular non-asian businesses, big box furniture stores, and gas stations, usually will take AMEX.

Someone's gotta pay for those crazy benefits. And it isn't you directly.

Nope. My Costco AMEX pays for itself (the Costco fee) with the card used mainly for gas and Costco (it's my dedicated gas card).

As for restaurants- I find that quite a number of non-Asian restaurants take it. Any bigger chain restaurant takes it as well (think White Spot, Cactus, McDonalds, Tim Hortons).

For all else, I have a PC World MC. But basically my AMEX has only been denied at smaller stores and Asian restaurants.

http://i.imgur.com/bf68jjS.gif

[nabs]

The question has been answered many times in this thread already in the past few pages. I am surprised by the number of stores/restaurants that accept AMEX. and it seems as though its on an increase too now! I use it for as many things as I can to rack up points.

[JayEch]

for the true earning amex card can you just buy a one year costco membership then cancel it?

[m3thods]

for the true earning amex card can you just buy a one year costco membership then cancel it?

I don't think so. It's linked to your Costco card.

Why not get a regular AMEX at that point? With the True Earning your "yearly fee" is the Costco membership, which ends up getting paid via using the AMEX. With other cards you're paying the yearly fee, but if your rewards far outweigh the cost then it's worth it.

To give a bit of perspective, I use my AMEX on about $120-$150 gas per month. I spend about $60 at Costco every month for various heavily-used groceries. I eat out on average maybe $50 a month on the card.

Over the year, I received a rebate over $160. With a membership at ~$110, I pocketed the rest. Just by using it for your dedicated gas card will allow you to pay off the membership cost. The cool thing is that you can cash out the rebate, so it can be a cash back card if you want.

[v_tec]

for the true earning amex card can you just buy a one year costco membership then cancel it?

Personally, I don't see any value in the Costco Amex (for my needs)

You get 3% dining / 2% gas / 1% everything else.

But if you read the fine print....the 1% is tiered at:
- 0.25% for the first $1000
- 0.50% for the next $2000
- 1.00% on any amount over $3000

2% gas is capped at $3000. Then becomes 1% afterwards.
With two cars in the family, I'm easily over $250/month in gas purchases.

I rather get a normal Amex Gold Rewards or MANY other credit cards out there (ie. MBNA)

[MG1]

Speaking of American Express/Costco card............ I just opened up my bill and there's this ad asking people to enter a contest. "How did you spend your rebate money?" To share your story, visit americanexpress.ca/myrebate.

For fun, I will send this in (been wanting to do this for a while)............. "I used my rebate cash to get Hookers and Blow." I would be surprised if I won. LOLOLOLOLOL.

[JKam]

Personally, I don't see any value in the Costco Amex (for my needs)

You get 3% dining / 2% gas / 1% everything else.

But if you read the fine print....the 1% is tiered at:
- 0.25% for the first $1000
- 0.50% for the next $2000
- 1.00% on any amount over $3000

2% gas is capped at $3000. Then becomes 1% afterwards.
With two cars in the family, I'm easily over $250/month in gas purchases.

I rather get a normal Amex Gold Rewards or MANY other credit cards out there (ie. MBNA)

The only reason I would get it would be so that I can use a credit card instead of cash/debit at Costco.

[m3thods]

^Which is the main reason why I picked it up. Why pay cash/debit when I can get something in return in the form of cash-back via the AMEX.

I just happen to use it as a gas/restaurant card because of the cash back percentages.

[v_tec]

The only reason I would get it would be so that I can use a credit card instead of cash/debit at Costco.

^Which is the main reason why I picked it up. Why pay cash/debit when I can get something in return in the form of cash-back via the AMEX.

I just happen to use it as a gas/restaurant card because of the cash back percentages.

...and you could just use any Amex card for that. No need to be specifically Costco's Amex.

[m3thods]

And based on my needs, I chose the Costco AMEX. If it doesn't work for you, that's good for you.

Are there any other AMEX cards that do not have annual fees? I haven't done enough research on the matter, but until one is brought to my attention why would I pay for annual fees on another AMEX on top of the Costco membership cost (which I treat as my card's annual cost).

[MG1]

I shop at Costco. Plain and simple. The only time I use the Amex.

I get the bill, I pay it right away.

[cdizzle]

wondering if anybody here has successfully applied for both Amex Gold Reward and AeroplanPlus Gold

seems like a good deal to get 50000 aeroplan points (or 25000 aeroplan and 25000 for the flight reward program of your choice)

[v_tec]

wondering if anybody here has successfully applied for both Amex Gold Reward and AeroplanPlus Gold

seems like a good deal to get 50000 aeroplan points (or 25000 aeroplan and 25000 for the flight reward program of your choice)

No problem at all, as long as you're able to meet the $500 (x2) in first 3 months.

And if you're referred by a friend (or stranger), you actually get 30,000 Aeroplan Miles...so total of 55k miles for the two cards, first year free.

[cdizzle]

No problem at all, as long as you're able to meet the $500 (x2) in first 3 months.

And if you're referred by a friend (or stranger), you actually get 30,000 Aeroplan Miles...so total of 55k miles for the two cards, first year free.


thanks!
i just applied for the aeroplan plus, and with your advice in mind i will probably apply for the gold rewards in a few months i think

[lowside67]

I've been working on this guide on my blog:
FLY BUSINESS CLASS TO EUROPE FOR $299 (http://www.uhlmann.ca/europe299/)

(Disclaimer, it has two referral links in it - one is mine and one is roast puff's)

Shows you you can generate 90,000AP upfront for a net cost of $299 over 2 years.

[v_tec]

Shows you you can generate 90,000AP upfront for a net cost of $299 over 2 years.

I rather sign up for Plat MR for 60,000 welcome bonus -> Self-refer for 15,000 referral -> Gold MR for 25,000 welcome bonus.

Total of 100,000 MR, with the same '$299 cost' as your example.

This then gives you the possibility to transfer 1:1 to Aeroplan...or if it ever happens, 1:1.5 to BA for 150,000 Avios.



But I don't currently have the income level for the Plat card(s) :okay:

[PeanutButter]

^ Have you even tried for the platinum card? I'm sure if you put your income as $45,000 and your credit is decent you'll get approved.


Also, from the many pages i've read on redflagdeals, signing up for a credit card reduces your credit score anywhere from 4-10 points, but these get absorbed after about a year. So the guys on RFD recommend not to sign up for any credit card within two years of applying for credit or a mortgage. Just food for thought.

I just signed up for both the gold rewards and aeroplan cards. I'm thinking about the Platinum card as well. Those lounge benefits are huge!

[v_tec]

^ Have you even tried for the platinum card? I'm sure if you put your income as $45,000 and your credit is decent you'll get approved.
To be precise - I actually have no income right now as a student. I'm surprise they even approved my Gold card. Might give the Plat a try towards the end of the year.

I just signed up for both the gold rewards and aeroplan cards. I'm thinking about the Platinum card as well. Those lounge benefits are huge!

Sorry, you meant the lounge benefits WERE huge?
They are mostly gone now...

[lowside67]

I rather sign up for Plat MR for 60,000 welcome bonus -> Self-refer for 15,000 referral -> Gold MR for 25,000 welcome bonus.

Total of 100,000 MR, with the same '$299 cost' as your example.

This then gives you the possibility to transfer 1:1 to Aeroplan...or if it ever happens, 1:1.5 to BA for 150,000 Avios.



But I don't currently have the income level for the Plat card(s) :okay:
Just FYI, there are lots of people who have gotten screwed self-referring. I managed to self-refer from my AeroPlat to my AeroGold, but Flyertalk is FULL of people who didnt get all the points. It's a lot easier / less heatscore to do the AeroGold vs the Gold MR which is why I recommended it as it makes it a bit easier for first timers, but your point is well made and theoretically possible.

[lowside67]

I just signed up for both the gold rewards and aeroplan cards. I'm thinking about the Platinum card as well. Those lounge benefits are huge!
I actually just received my platinum card this afternoon. The benefits portfolio is very impressive - the hotel chain perks are significant and the companion ticket can be a nice feature if you can use it.

[PeanutButter]

To be precise - I actually have no income right now as a student. I'm surprise they even approved my Gold card. Might give the Plat a try towards the end of the year.



Sorry, you meant the lounge benefits WERE huge?
They are mostly gone now...

The lounge benefits changed? How so?

[roastpuff]

The lounge benefits changed? How so?

No more AA/US lounge access, CX Gold is gone (used to allow Oneworld lounge access no matter what class of ticket), Delta you can no longer guest people. Massive reduction compare to before.

Still have Plaza Premium and Priority Pass as well as the Amex lounges p, which isn't too bad. The new Amex Centurion lounges in LAS/DFW are amazing looking for North America.

[iEatClams]

I rather sign up for Plat MR for 60,000 welcome bonus -> Self-refer for 15,000 referral -> Gold MR for 25,000 welcome bonus.

Total of 100,000 MR, with the same '$299 cost' as your example.

This then gives you the possibility to transfer 1:1 to Aeroplan...or if it ever happens, 1:1.5 to BA for 150,000 Avios.



But I don't currently have the income level for the Plat card(s) :okay:

more info on this card and deal please.

also, do they have blackout restrictions like the aeroplan cards?

[inspired]

Best credit card for first time ?? Im a student 1st year bcit looking for cashback or travel incentives preffered no annual fees but let me know what you think

[v_tec]

Best credit card for first time ?? Im a student 1st year bcit looking for cashback or travel incentives preffered no annual fees but let me know what you think

Do you have proof of income/employment?

I would just recommend you go for the MBNA Smart Cash.

[ODStryker00]

I agree MBNA Smart card is pretty good for what it is: 5% back on gas/groceries for first 6 months. 2% on back after that. 1% back everything else. No annual fees.

[winson604]

^^
Agreed. Straight forward card with no fees. None of that tiered bullshit where the first portion of your spending is only 0.x% then it gradually goes up. Just straight up 2% on gas and groceries and 1% on everything else.

I was pretty happy with that card but have finally moved on to a Travel Card instead.

[skiiipi]

They can. But which kind of restaurants did you had in mind?

Would it work for something like the French Laundry?
I tried calling my Visa Infinite Concierge and they couldn't secure a reservation for me during my 4 day stay in Napa, was wondering if it would've been different had I had an Amex Plat or something.

[PeanutButter]

So I just applied for three credit cards and all were approved =D

1) AMEX Gold - 25,000 aeroplan points
2) AMEX Aeroplan Gold - 30,000 aeroplan points (with referral)
3) MBNA Choice Privileges Mastercard - 24,000 Choice points = 3 nights stay at their group hotels (1500 in North America)

The AMEX cards have the first year waived.
25,000 = Canada or Continental US
40,000 = Mexico, Carribean, Central America
45,000 = Hawaii
*all round trips

The MBNA Choice card bonus 24,000 points works out to about three nights stay at any of their hotels in N.America. This is an awesome deal for those who travel a lot and need a reasonable place to stay. This saves you over $300 in room fees if you get this card. It has no annual fee.

If you need a referral for the AMEX cards let me know. They are honestly the best rewards bonus cards to get right now.

[Ch28]

How are the flight restrictions when it comes to the AMEX Aeroplan Gold card?

[PeanutButter]

How are the flight restrictions when it comes to the AMEX Aeroplan Gold card?

The flight restrictions are the exact same as the Aeroplan program itself, whether it is from TD, CIBC, or AMEX. You generally have to book your flight well in advance if you want to get the best selection.

[v_tec]

How are the flight restrictions when it comes to the AMEX Aeroplan Gold card?

Or just go for the Amex Personal Gold card.

Charge + buy any air ticket you want, from any company any website, for any dates + cabin...etc you want.

Then use your 25,000 MR (Member Rewards point) = $250 credit to pay off that transaction.


BA Avios and Aeroplan are great for redemption only if you're redeeming for business / first class tickets. If you're redeeming economy tickets, after you take into the fuel surcharge + taxes....and the shitty availability..it's just not worth it.

[PeanutButter]

Or just go for the Amex Personal Gold card.

Charge + buy any air ticket you want, from any company any website, for any dates + cabin...etc you want.

Then use your 25,000 MR (Member Rewards point) = $250 credit to pay off that transaction.


BA Avios and Aeroplan are great for redemption only if you're redeeming for business / first class tickets. If you're redeeming economy tickets, after you take into the fuel surcharge + taxes....and the shitty availability..it's just not worth it.

If you convert the 25,000 MR points to Aeroplan, you get a way better value. For 25,000 Aeroplan points you can travel anywhere in Canada or the Continental USA, which is easily worth over $600+. Aeroplan is not as flexible obviously, but you can get so much more with it.
------


I also made a little blog with full instructions on how to sign up for these cards and some other details. So just click the link in my signature below if you need any more information. You can also PM as well.

[shenmecar]

http://buytopia.ca/deal/7843

Not a bad credit card. Get a free $100 gift card on approval!

[skiiipi]

I currently have have the rbc infinite Avion card and am thinking of changing to the rbc West jet world elite Mastercard.
I have been flying WestJet alot more often now and the 2% Westjet dollars rebate on WestJet purchases seems like a good reward.
The 99.99 companion flight is cool too, though most of my flying is done solo.

For those that have either either cards, which so you guys prefer? The world elite Mastercard? Or the infinite Avion?
Rbc will waive the annual fee of either card for me so that is not a factor.

I like the Avion since I can transfer my points to avios points at. 1.5x which is a good deal for international travel.
Thanks

[Chronix]

So Ive been using the mbna card $50 cashback card for my credit purchases. scotiabank gave me an offer for the visa card with 10000 scene pts for joining up. should i switch over?

[lowside67]

I personally am a big fan of the Avion, it's the only non Aeroplan currency that I have a dedicated card for. Actually, that's a lie, I also am rocking an SPG AmEx card, but for Visa, the RBC Avion is the way to go.

[roastpuff]

I currently have have the rbc infinite Avion card and am thinking of changing to the rbc West jet world elite Mastercard.
I have been flying WestJet alot more often now and the 2% Westjet dollars rebate on WestJet purchases seems like a good reward.
The 99.99 companion flight is cool too, though most of my flying is done solo.

For those that have either either cards, which so you guys prefer? The world elite Mastercard? Or the infinite Avion?
Rbc will waive the annual fee of either card for me so that is not a factor.

I like the Avion since I can transfer my points to avios points at. 1.5x which is a good deal for international travel.
Thanks

Get both! You can have more than two cards, you know.:concentrate: Like lowside67, I rock the Amex SPG as well as the CIBC Aeroplan Visa Infinite. I also have a bunch of other Amex cards for transfers to various airline partners.

So Ive been using the mbna card $50 cashback card for my credit purchases. scotiabank gave me an offer for the visa card with 10000 scene pts for joining up. should i switch over?

Depends... do you watch a lot of movies? It may not be worth it if you can make better use of your cashback cards.

[skiiipi]

I personally am a big fan of the Avion, it's the only non Aeroplan currency that I have a dedicated card for. Actually, that's a lie, I also am rocking an SPG AmEx card, but for Visa, the RBC Avion is the way to go.

Get both! You can have more than two cards, you know.:concentrate: Like lowside67, I rock the Amex SPG as well as the CIBC Aeroplan Visa Infinite. I also have a bunch of other Amex cards for transfers to various airline partners.

.

Well rbc will only waive one credit card fee for me.
I'm thinking of switching my Infinit Avion to the rbc signature reward card ($39 annual fee) and then apply for the world elite card. I got about 200k Avion points right now, and my understanding is that when want to cash those points in, I can upgrade my card back to the Infinit Avion and cash the points at a higher value that way.

[guurl]

I just signed up for a Platinum Avion Visa card.. What do you guys think of that one? Can't get the infinite avion quite yet which is why I got that one. I had the signature rewards one before. I've been doing a lot of travelling lately that's why I switched.. Plus all of my spendings/payments are made with the card. Could anybody give me their opinion?

I was hoping to get an AMEX gold next year so maybe I should've just stuck with the signature rewards??

[wycked]

I recently signed up for two AMEX's - the AEROPLAN GOLD (30K Aeroplan with referral) and the GOLD (25K Aeroplan).

If anyone needs a referral let me know - solid churn cards.

[Marioo1991]

can anyone recommend a good credit card for flying? a friend suggested the alaska airlines one, wondering if there are any better ones out there?

[roastpuff]

can anyone recommend a good credit card for flying? a friend suggested the alaska airlines one, wondering if there are any better ones out there?

What kind of flying do you want to do? Amex just lowered the Aeroplan Gold card's bonuses (no more First Year Free + 30K bonus from being referred) but the Membership Rewards Gold is still great at 25K Avios/Aeroplan and first year free.

[Marioo1991]

What kind of flying do you want to do? Amex just lowered the Aeroplan Gold card's bonuses (no more First Year Free + 30K bonus from being referred) but the Membership Rewards Gold is still great at 25K Avios/Aeroplan and first year free.

looking to go to hawaii with the wife next year

[roastpuff]

looking to go to hawaii with the wife next year

Alaska is probably the best for that because of the Companion Fare for $99+taxes. Otherwise the Amex Gold Rewards Card is what I'd recommend. Do let me know if you'd like a referral to get the card. I would greatly appreciate it.

[tomatogunk]

I just signed up for a Platinum Avion Visa card.. What do you guys think of that one? Can't get the infinite avion quite yet which is why I got that one. I had the signature rewards one before. I've been doing a lot of travelling lately that's why I switched.. Plus all of my spendings/payments are made with the card. Could anybody give me their opinion?

I was hoping to get an AMEX gold next year so maybe I should've just stuck with the signature rewards??

I've got the Infinite Avion and I think it's a good card. Once a year they have a promotion where you can convert your avion points for 1.5x british airways or 1.5x asia miles. Another perk is you are able to find your own flight of choice to use your points at and not be tied down by partner travel sites such as travelocity and etc. But the main reason I'm sticking with the card is due to the excellent coverage of the travel insurance. Unfortunately that's why it is so expensive as well..

[v_tec]

I've got the Infinite Avion and I think it's a good card. Once a year they have a promotion where you can convert your avion points for 1.5x british airways or 1.5x asia miles. Another perk is you are able to find your own flight of choice to use your points at and not be tied down by partner travel sites such as travelocity and etc. But the main reason I'm sticking with the card is due to the excellent coverage of the travel insurance. Unfortunately that's why it is so expensive as well..

IIRC, there has never been a 1.5X Asia Miles promotion. Only BA.

[v_tec]

I recently signed up for two AMEX's - the AEROPLAN GOLD (30K Aeroplan with referral) and the GOLD (25K Aeroplan).

If anyone needs a referral let me know - solid churn cards.

No point going through referrals. Sign up via Great Canadian Rebate instead.

AMEX Gold Rewards:
- $150/year, first year free
- 25K MR after $500 spending
- $50 cashback from GCR

AMEX AeroplanPlus Gold :
- $120/year, first year NOT waived
- After $500 spending:
a) 26K Aeroplan via referral
OR
b) 25K Aeroplan non-referral + $40 cashback from GCR

[murmur]

i have the AMEX gold myself.
$1 = 4 points for gas, grocery, and restaurants.

funny thing is when i buy booze from the Liquor Depot in Lansdowne Mall, they count as $1 = 4 points.

in BC Liquor Store and other liquor stores i been, they only count as $1 = 1 point.

[v_tec]

i have the AMEX gold myself.
$1 = 4 points for gas, grocery, and restaurants.

funny thing is when i buy booze from the Liquor Depot in Lansdowne Mall, they count as $1 = 4 points.

in BC Liquor Store and other liquor stores i been, they only count as $1 = 1 point.

Which country do you live in that give you $1 = 4 points???

:suspicious:

[murmur]

Which country do you live in that give you $1 = 4 points???

:suspicious:

canada lol
http://www.scotiabank.com/ca/en/0,,4657,00.html

[Simplex123]

AMEX has two new cashback cards https://www.americanexpress.com/ca/en/content/compare-cards/?card=card26&card=card25&card=card1

And they're transparent

http://i.imgur.com/b6ikNQk.jpg
They gave out the top one when they ran out of the transparent one early on.

1) SimplyCash
no annual fee, 5% cashback for 6 months for gas, grocery & restaurants for up to $250 in that period (spend $5000)
1.25% cashback on everything after 6 months
$25 rebate through GCR

2) SimplyCash Preferred
$79 annual fee, 5% cashback on ALL purchases first 6 months for up to $400 (spend $8000)
1.5% cashback on all purchases up to $100 000, 1.25% after
$50 rebate through GCR which almost covers for the first year.

[Caplico]

Looking at getting a USD credit card. If you are a holder, which provider and how are you finding it?

Purpose of card is for cross boarder Gas / Seattle Premium Outlets / Costco / etc

This is what I am leaning towards to right now.
BMO U.S. Dollar MasterCard | Credit cards | BMO Bank of Montreal (http://www.bmo.com/main/personal/credit-cards/us-dollar-mastercard)

[heleu]

Looking at getting a USD credit card. If you are a holder, which provider and how are you finding it?

Purpose of card is for cross boarder Gas / Seattle Premium Outlets / Costco / etc

This is what I am leaning towards to right now.
BMO U.S. Dollar MasterCard | Credit cards | BMO Bank of Montreal (http://www.bmo.com/main/personal/credit-cards/us-dollar-mastercard)

I recommend Amazon.ca VISA card. No exchange fees, no annual fees.

[shenmecar]

I recommend Amazon.ca VISA card. No exchange fees, no annual fees.

+1 on this. You also get 1% cash back and $20 Amazon credit on approval.

[InvisibleSoul]

I recommend Amazon.ca VISA card. No exchange fees, no annual fees.

Yes, this is a decent option.

However, there are some use cases where one might actually want a card that is in US dollars.

I use the TD US Dollar Visa card, which is included for free with the All-Inclusive banking plan.

TD Canada Trust | TD U.S. Dollar Visa Card (http://www.tdcanadatrust.com/products-services/banking/credit-cards/view-all-cards/us-dollar-card.jsp)

What I like to do is when the exchange rate is good, I'll buy a bunch of USD and put it in my US bank account. After that, when I use the TD US Dollar Visa, I just pay for it with the funds from the US bank account.

There might even be some cases where you need a real US credit card that's issued by a US bank, and that's possible too. I believe it's possible to do through RBC and TD, but the easiest way might be getting a credit card from Umpqua Bank (formerly Sterling Bank), which there are several locations just across the border.

https://www.umpquabank.com/personal-banking/credit-cards/

From what I remember reading on RedFlagDeals, the branches just across the border are very Canadian friendly and they are very familiar with the process of issuing credit cards to Canadians.

[TOPEC]

just want to give a little update in regards to the MBNA SmartCash MC since it seems to be a very popular card

recently i found out there were some fraud charges on my card, looked up their CS number to call on their website(says its 24/7 to file for fraud) and it was all automated answering, no options to speak with someone. called the number (diff number than the first) on the back of the card and again got the same automated messages. fine, went on their website and spoke with a live chat agent n was told to log in and start online chat from there so they can verify me. logged in spoke with a diff agent and was given a number to call. called that number (3rd number) and again was given the same automated messages, figured i'd press 0 to reach someone and it did, only to be told fraud department is closed and not 24/7. add to the fact that each time i called it required me to put in my cc number and even the ccv on the back before i can even select any options, seems kinda super sketchy to me. shouldnt a real person verify me personally with my details n not verify me with my cc info via an automated process?!

[TypeRNammer]

In regards to the fraud on MBNA, I had fraud transactions on my smart cash card.

Got a phone call right away from their fraud department and they made me aware of the transactions .

It was a tedious process because of the paper work that they mail to you and which you have to mail back.

But with that all said and done all of the fraud was cleared up.

[ODStryker00]

does anyone have a definite answer on whether applying for additional credit cards or cancelling the ones you have now negatively affect your credit rating on any way?

[johndeere768]

just want to give a little update in regards to the MBNA SmartCash MC since it seems to be a very popular card

recently i found out there were some fraud charges on my card, looked up their CS number to call on their website(says its 24/7 to file for fraud) and it was all automated answering, no options to speak with someone. called the number (diff number than the first) on the back of the card and again got the same automated messages. fine, went on their website and spoke with a live chat agent n was told to log in and start online chat from there so they can verify me. logged in spoke with a diff agent and was given a number to call. called that number (3rd number) and again was given the same automated messages, figured i'd press 0 to reach someone and it did, only to be told fraud department is closed and not 24/7. add to the fact that each time i called it required me to put in my cc number and even the ccv on the back before i can even select any options, seems kinda super sketchy to me. shouldnt a real person verify me personally with my details n not verify me with my cc info via an automated process?!


Have the same card as you, very good card imo. But in terms of their customer service and in your case, correcting fraud charges. I believe the lack of quality in their customer service is due to cutbacks and layoffs in the past recent months. Feel bad for the company, but I guess cash back for customers is a higher priority.

[TOPEC]

In regards to the fraud on MBNA, I had fraud transactions on my smart cash card.

Got a phone call right away from their fraud department and they made me aware of the transactions .

It was a tedious process because of the paper work that they mail to you and which you have to mail back.

But with that all said and done all of the fraud was cleared up.

when i spoke with the cs rep it did not give me any confidence at all. i actually have 3 fraud charges. 1 was $3XX purchase made at "Donny's Funky Broadway" in michigan, 1 purchase of $10 at World Outreach in burnside, australia, and 1 refund of $10 at World Outreach all within 2 days of each other. When i questioned the rep abt the world outreach charges he said oh it could just be a mistake that they charged the wrong card, it was refunded in the end so its not consider fraud. im like wtf, what r the ODDS of charging the wrong CC number and charged my cc along with the correct expiry date!? the rep then told me my cc was actually flagged for fraud monitoring since dec yet i was never informed of this until i called yesterday.

does anyone have a definite answer on whether applying for additional credit cards or cancelling the ones you have now negatively affect your credit rating on any way?

when u apply for any kinda of a credit, weather it be a cc or loan, the creditor does a credit check on ur credit file through equifax or transunion. these credit checks r consider "hard hits" where it was affect ur credit rating negatively in some sort of way. each hard hit credit check takes a few points away from ur total credit status. so if u apply for new cc often, those points can add up and negatively affect ur credit rating.

as for canceling unused cc, it is advised that u do not cancel cc, especially if its a large limit cc as this lowers the over all credit limit(the limit of all ur cc combined) on ur credit file that u have been granted when applying for a cc. it does not negatively affect ur credit score, but in the eyes of creditors, re: banks, they'll question y ur lowering ur over credit limit thinking that ur not able to pay it off so less likely to grant u new cc.

Have the same card as you, very good card imo. But in terms of their customer service and in your case, correcting fraud charges. I believe the lack of quality in their customer service is due to cutbacks and layoffs in the past recent months. Feel bad for the company, but I guess cash back for customers is a higher priority.

this incident has left me unimpressed. this is actually the first time i dealt with their cs. with their recent computer system upgrades causing shit tons of problems and their lack of a dedicated phone app, i guess this might be the final straw for me to switch cc. and to add, the cs agent i spoke with had thick heavy indian accent which lead me to believe cs is outsourced to a third world country. seemed super sketchy when i called.

[winson604]

when u apply for any kinda of a credit, weather it be a cc or loan, the creditor does a credit check on ur credit file through equifax or transunion. these credit checks r consider "hard hits" where it was affect ur credit rating negatively in some sort of way. each hard hit credit check takes a few points away from ur total credit status. so if u apply for new cc often, those points can add up and negatively affect ur credit rating.

as for canceling unused cc, it is advised that u do not cancel cc, especially if its a large limit cc as this lowers the over all credit limit(the limit of all ur cc combined) on ur credit file that u have been granted when applying for a cc. it does not negatively affect ur credit score, but in the eyes of creditors, re: banks, they'll question y ur lowering ur over credit limit thinking that ur not able to pay it off so less likely to grant u new cc.


Having too much credit though is also a bad thing which is why some people would suggest cancel unused or lower the limit. It's suggested that leaving a long time card is good because you keep that relationship with the bank or whichever credit union the card is from which may be beneficial for deals, low rates etc. When a bank sees that you have lets say 50k in credit limit and you want to borrow 300k for a mortgage they might think hmmm this guy could rack up 50k tomorrow on a spending spree thus he could potentially be 350k in debt now, is he a risk to pay me back my 300k?

At the end of the day, there is no magic formula a bank or any lender uses to calculate things nor is there some magic formula we must follow for excellent credit scores.

For scores, pay your shit on time always and your score won't be a problem. Cancelling cards, having too many will affect your score in a minor way but nothing crazy.

For lenders, think of if a friend were to ask to borrow $500, $5000 etc. You take their history i.e. available credit, previous history, how much they make etc and think of risk. Can I trust to borrow this person this amount? Do I think they're capable of paying me back based on previous and current data? Everyone is a different story and as such they evaluate everyone on a case to case.

[TOPEC]

yes in the eyes of creditors, there is no magic formula one can use, its all about risk management. credit scores is one thing they take into account along with many other things.

[Mr.HappySilp]

just want to give a little update in regards to the MBNA SmartCash MC since it seems to be a very popular card

recently i found out there were some fraud charges on my card, looked up their CS number to call on their website(says its 24/7 to file for fraud) and it was all automated answering, no options to speak with someone. called the number (diff number than the first) on the back of the card and again got the same automated messages. fine, went on their website and spoke with a live chat agent n was told to log in and start online chat from there so they can verify me. logged in spoke with a diff agent and was given a number to call. called that number (3rd number) and again was given the same automated messages, figured i'd press 0 to reach someone and it did, only to be told fraud department is closed and not 24/7. add to the fact that each time i called it required me to put in my cc number and even the ccv on the back before i can even select any options, seems kinda super sketchy to me. shouldnt a real person verify me personally with my details n not verify me with my cc info via an automated process?!

Same thing happen with my CIBC tim card. So I question the agent what if I lost my card and need to call when the office is close. He keep saying the phone is 24/7 I got his ID and his name. Call after hours and bam is close. So I call in to complain the agent lie. Basically their supervisor can't give me a straight answer what number should I call that's open 24/7 if my card was stolen because the number on the card and the open on their website that adversite as 24/7 isn't open.

Going to only carry my Captial One CC with me when I got travel as they have way better service and you can actually connects to someone 24/7.

[Gerbs]

What credit card should I get as a student?

[v_tec]

What credit card should I get as a student?

MBNA Smart Cash.

[CRS]

MBNA Smart Cash.

This is not a student card.

[v_tec]

This is not a student card.

It's not classify as a "student card", but it would be one that a "student" would 99.9995% chance qualify for.

[CRS]

It's not classify as a "student card", but it would be one that a "student" would 99.9995% chance qualify for.

I remembered there was an income requirement when I applied for the card a few years back. As I look on the MBNA website, it is no longer there.

You might be right. My bad!

[v_tec]

I remembered there was an income requirement when I applied for the card a few years back. As I look on the MBNA website, it is no longer there.

You might be right. My bad!

Most MBNA cards (including some of the slightly more "premium") ones, as long as you list you're a student, they are fairly lenient when it comes to approval.

The Smart Cash is one of their most basic one - OP would get approved for sure. Providing he haven't been bankrupt, or any sort of bad history.

2% Cash back on Gas / Grocery. 1% on everything else. Yes, there might be some slightly better ones out there, but they come with a heavy income requirement or annual fee. And it's not tiered unlike some of the big banks.

[knight604]

subbed

[van_city23]

just finished school and started working in the "real world." Thinking of switching from my free RBC rewards card to something that provides better rewards. Currently considering the Amex gold rewards card.

Would use the card for virtually everything, shopping, gas, food, etc.
I would also be using it a significant amount for gas from across the border since I live near the border. I also fly/travel about once a year for vacation.

First question, would amex be a good idea for the above? Better options?

Second question, i would have retain a visa as well since amex won't be accepted universally. Should I keep the RBC rewards card for that? better options? cash back card?

[Mr.HappySilp]

Apply for the timmy's CIBC Visa. Since I go there literally every few days I guess is a good idea to earn points for my breakfast.

Although I am on my 3rd replacement already. Their card is super cheap is not even hard lol. And their chip always seem to fail after a few months. After many complains I was able to get $20 credit to spend on Timmys.

[v_tec]

just finished school and started working in the "real world." Thinking of switching from my free RBC rewards card to something that provides better rewards. Currently considering the Amex gold rewards card.

Would use the card for virtually everything, shopping, gas, food, etc.
I would also be using it a significant amount for gas from across the border since I live near the border. I also fly/travel about once a year for vacation.

First question, would amex be a good idea for the above? Better options?

Second question, i would have retain a visa as well since amex won't be accepted universally. Should I keep the RBC rewards card for that? better options? cash back card?

Depends if you're willing to pay for Amex's $120 annual fee beyond's its first year free.

Have you looked into the CapitalOne Aspire travel?

It (iirc) doesn't have the annual 10k anniversary points anymore. But if you're willing to pay for Amex Gold's $120 annual fee, might as well pay for this one where it will be accepted at more places.

The MBNA World Elite card also give 2% cashback on everything.
First year free + $89/yr after. 10k points after first purchase. (Worth $200)

[TOPEC]

been lookin into cc lately and heres what i found, u either stick with a cash back card, or a travel rewards card, theres none thats best of both worlds

for cash back cards, right now it seems like the scotia momemtum visa INFINITE card is the best out there in terms of cash back rewards. 4% back for gas and grocery stores, 2% drug store and recurring bills like cell phone bills, and 1 % all else. it does cost $99 each year and need min income of 60K to get this card. best thing is u can use this card to buy for example best buy or home depot gift cards at grocery stores to milk that 4% instead of 1% directly at best buy/home depot.

for travel rewards card the best ones out there currently are the BMO world elite master card and CapOne Aspire travel MC.

all these cc trump over amex solely becuase not every place accepts amex. oh beware tho as i read scotia and capone are both very anal about meeting personal income and credit rating. i myself went with the momentum visa infinite

[TypeRNammer]

What's a good MasterCard to apply now a days?

My current line up consists of Amazon Visa (not used unless it's foreign shopping), MBNA SmartCash MasterCard (occupied with a balance transfer), and a CIBC Gold Aventura Visa (the one that gets used the most)

Reason I need another MasterCard is there's always the odd time I'll be shopping at No Frills or The Independent Grocer which they only accept debit and MasterCard only.

[meowjinboo]

what's a good secured visa to apply for?

Trying to rebuild credit ^_^

[Razor Ramon HG]

What's a good MasterCard to apply now a days?

My current line up consists of Amazon Visa (not used unless it's foreign shopping), MBNA SmartCash MasterCard (occupied with a balance transfer), and a CIBC Gold Aventura Visa (the one that gets used the most)

Reason I need another MasterCard is there's always the odd time I'll be shopping at No Frills or The Independent Grocer which they only accept debit and MasterCard only.

If you qualify, the Tangerine Mastercard is excellent for cash back - https://www.tangerine.ca/en/spending/creditcard/index.html

Choose two different categories for 2% cashback while the rest are 1%. No annual fee.

[godwin]

If you are using it to buy things from Loblaw's chain of grocery stores, you mind as well use their PC card.

What's a good MasterCard to apply now a days?

My current line up consists of Amazon Visa (not used unless it's foreign shopping), MBNA SmartCash MasterCard (occupied with a balance transfer), and a CIBC Gold Aventura Visa (the one that gets used the most)

Reason I need another MasterCard is there's always the odd time I'll be shopping at No Frills or The Independent Grocer which they only accept debit and MasterCard only.

[knight604]

I got the pc mastercard world elite, no annual fee

always shop at superstore , might as well add up the points.

[Chronix]

So MBNA called me and it was really shady. They encouraged me to take out my remaining credit from my credit card and use it for other expenses and bills while offering a lower interest rate for the next 10 months in repaying it.

Da fuck

[MG1]

I got the pc mastercard world elite, no annual fee

always shop at superstore , might as well add up the points.

yup, PC World Elite Mastercard, ftw!

no fee, lots of free points. I use it everywhere. More points if you shop at a Loblaws store.

You need to earn x number of dollars to qualify. I think it's total household income.

For US purchases, I use the Amazon Visa 'cause no transaction/conversion fee. For Costco US, I use Amex Platinum. I'll have to check that one over again since Amex is no longer tied to Costco Canada.

[meowjinboo]

what's a good secured visa to apply for?

Trying to rebuild credit ^_^

for anyone wondering, i ended up applying for a capital one secured mastercard. Got approved with a 75 dollar deposit. Was expecting a 300 dollar limit, and ended up with 2k.

the fuck.

[Nlkko]

BMO world elite master card

For proprietary travel. Their concierge is awesome.

It's a black card too which is sick.

[F3]

Wondering if anyone knows of a us dollar card that doesn't have an annual fee?

[Ch28]

I think the Amazon Chase Visa card is a no annual fee USD card. You'll need to look into it.

[chipmunk604]

I think the Amazon Chase Visa card is a no annual fee USD card. You'll need to look into it.

Wondering if anyone knows of a us dollar card that doesn't have an annual fee?

The Amazon Chase Visa is a CAD credit card with no foreign currency transaction fee, also no annual fee. It is a great alternative to a USD credit card. I believe there are no USD credit card without annual fee. The BMO one will waive the fee if you spend something like $1500 a year. The TD one will waive the fee if you put something like $5000 US in a US savings and have the all inclusive banking plan. You can look into the exact details on their respective sites.

[JordanLee]

Wondering if anyone knows of a us dollar card that doesn't have an annual fee?

BMO US card bills in US so theres no conversion or bs transaction fee. Theres I think an annual $30 fee but its waived if you spend 1000 in a year which is pretty doable.

[jeedee]

Amazon visa card takes fuking forever to mail you a physical card :smug:

[XplicitLuder]

think im gonna apply to it ^

i have the USD card from scotia, which is 35$ annual fee, no conversion fee, but no real perks.. no cash back or anything lol

so fuk it, may as well get the amazon card and get some cash back

[knight604]

https://apply.mbna.ca/applicationform/generateApplicationForm.htm?src=DAAQ19&locale=en_CA

This is a good card to get.


NO ANNUAL FEE TOO
Take advantage of this special limited-time offer for new cardholders and earn up to 60,000 Best Western Rewards® points. Sign up for the Best Western Rewards MasterCard® credit card and if approved:

• Get 20,000 bonus points†† after your first eligible purchase--that's already enough points for at least ONE FREE NIGHT**
• Spend $1,000 or more within the first 90 days of account opening and get an additional 20,000 bonus points†† OR
• Spend $2,000 or more within that same time frame and get a total of 60,000 bonus points††

With 60,000 points, you could get as many as 7 free nights (a whole week!) at some Best Western hotels or up to $225 in gift cards.**

But hurry--this offer expires on July 10, 2016. Thank you for being a member of Best Western Rewards and we look forward to welcoming you again at one of our hotels very soon!

[mr_chin]

PC Mastercard for every single purchase. While I fill up gas at esso, I also get points for using it there.

MBNA Smart castback mainly for the 0.99% balance transfer for 1 year.

You can only use so much, might as well focus on purchases on one card rather than travel points here, cash back there, etc. etc.

[winson604]

Still rockin the Capital One Aspire and going strong and since they grandfathered my card I still get $100 in points every year.

[Spoon]

Wondering if anyone knows of a us dollar card that doesn't have an annual fee?

TD Borderless Plan
https://www.tdcanadatrust.com/products-services/banking/accounts/u-s-dollar-accounts/borderless.jsp

Keep $3000 USD in the account and the $39 annual fee for the CC is waived.

[jeedee]

anyone else use Amazon Visa card/cashback cards for everyday transactions (groceries, gas etc) other than online shopping?

would rather get cashback than shitty aeroplan miles lol

[Jmac]

TD Borderless Plan
https://www.tdcanadatrust.com/products-services/banking/accounts/u-s-dollar-accounts/borderless.jsp

Keep $3000 USD in the account and the $39 annual fee for the CC is waived.
The USD savings account required to waive the $39 annual fee costs $59.40 USD/year in fees ($4.95 USD/month) plus you're tying up $3000 USD with a 0.01% interest rate.

If you happen to have a TD All-Inclusive chequing account ($30/month; free if minimum $5000 CAD balance (0% interest) is maintained in that account), it'll drop the annual fee down to $23.40 USD/year ($1.95 USD/month). But then that'd be ~$9k CAD tied up with virtually no interest.

[Hondaracer]

anyone use the Alaska Air MC for the $99 companion flight once a year? any problems/headaches?

me and GF thinking about both getting one just so we can get 2 cheap flights a year, flying to Maui etc. it makes it worth it pretty quick if it works as well as some say it does

[v_tec]

Probably not the first credit card / co- company that comes to people's mind...but wow. Not bad!

https://www.rogersbank.com/en/card_details/fido_mastercard

-Earn 4% unlimited cash back rewards on all purchases in a foreign currency – from international websites to anywhere you travel abroad

-Plus 1.5% unlimited cash back rewards on all purchases in Canadian dollars

-Get the credit card with no annual fee and get more of what you want from Fido.

-Get up to $50 in cash back rewards as a welcome bonus: $25 on your first purchase
Plus $25 when you register your Fido bill for pre-authorized payments.

[ntan]

Probably not the first credit card / co- company that comes to people's mind...but wow. Not bad!

https://www.rogersbank.com/en/card_details/fido_mastercard

The 4% cash back on foreign currency purchases excludes the 2.5% transaction fee, so effectively 1.5%, still pretty good.

It seems like the cash back can only be applied to your Fido account though? So I'm guessing it only makes sense for existing Fido customers?

[v_tec]

The 4% cash back on foreign currency purchases excludes the 2.5% transaction fee, so effectively 1.5%, still pretty good.
If you want to compare it to cards like Amazon's VISA, etc yes it's effectively 1.5% But i think majority of the people out there don't carry a separate foreign-fee card. Some do...but probably not most.

It seems like the cash back can only be applied to your Fido account though? So I'm guessing it only makes sense for existing Fido customers?
I'm curious about this "cash back REWARDS" too. Couldn't find much details about it.
Fido ended their FidoDollars program. So it won't be that. I'm not sure if it's gonna be
a) $$$ / cheque / apply towards your credit card statement, as with MBNA's SmartCash or similar?
or only
b) cash back $ that can be only applied towards Fido bills.

Nvm, it's b)
Redeem your cash back rewards towards Fido goodies like:

-a new phone
-your monthly bill
-accessories
-online purchases in fido.ca

[v_tec]

Rogers' version is 4% (starting Aug 17) and 1.75% for CDN transactions.
Slightly higher local earn rate, but a $29 annual fee after your first year.

https://rogersbank.com/en/card_details/rogers_platinum_mastercard


^ that card USED to have no foreign exchange fee. But I guess they are eliminating that in flavour of 4%?
https://businessforum.rogers.com/small-business/spotlight/5-reasons-to-get-a-rogers-platinum-mastercard-191291
3. You won’t have to pay foreign-transaction fees

Doing business can happen when you’re anywhere in the world, but with a Rogers Platinum MasterCard, you can make purchases abroad without having to pay the up-to-2.5% foreign-transaction fee that many other credit cards charge.3 Depending on how much business you do outside of Canada, or how often you buy from home but pay in foreign currency (including online purchasing), this could add up to significant savings.

[GLOW]

thinking of signing up for a PC mastercard since mbna cashback is changing to visa :failed:

is there a better place to sign up with a reward than the people chasing you inside the superstore? i don't need a free bag of chocolate chip cookies :lol

[Spoon]

thinking of signing up for a PC mastercard since mbna cashback is changing to visa :failed:

is there a better place to sign up with a reward than the people chasing you inside the superstore? i don't need a free bag of chocolate chip cookies :lol

Sign up here: https://www.ratesupermarket.ca/deals
You'll get a $100 gift card plus 20,000 PC points (worth $20).

I'm currently using the PC World Elite for groceries and gas (3%) and the Tangerine MC for everything else (2% on 2 selected categories, 1% everything else).

[Traum]

I'm currently using the PC World Elite for groceries and gas (3%) and the Tangerine MC for everything else (2% on 2 selected categories, 1% everything else).
You know that if you have a Tangerine savings account, and setup your Tangerine CC to deposit your cash back dollars back into the Tangerine savings account, you get a 3rd category for the 2% rebate, right?

I use Tangerine myself, and for the moment, it is honestly my fav CC. I don't know why nobody else has done this yet, but because both my savings and credit card account are on Tangerine, they include an option to pay the entire amount of my CC bill on the due date, withdrawing funds from my savings account. I don't even have to look at how much I'm supposed to pay. So convenient.

And between now until Jan 31, both you and the referrer get a $50 referral bonus if you sign up using someone's Tangerine Orange Key.

*Edit: no shameless plugging.

[Spoon]

^ I know about it, but most of my stuff are tied to TD. So somewhat reluctant to switch.

Out of curiosity, how easy is it to transfer money from Tangerine to another bank, and vice versa? Their rates are pretty good for parking cash, so will consider opening an account if it's easily done online.

[Traum]

I usually see a 1 day delay when moving money between my Tangerine account and my other external bank account. Occasionally (but quite rarely), it takes 2 days. Additionally, if the amount being transferred exceeds a certain limit (maybe $1k or somewhat higher?), then the money get held up and is not immediately available for use for a few days.

I just move my money by going onto their website on the PC. Supposedly, they have an Android app for it as well, but I am never a fan of doing that kind of thing on the phone.

[Spoon]

^ Won't work for me then. Thanks for the info though. :thumbs:

[GLOW]

Sign up here: https://www.ratesupermarket.ca/deals
You'll get a $100 gift card plus 20,000 PC points (worth $20).

I'm currently using the PC World Elite for groceries and gas (3%) and the Tangerine MC for everything else (2% on 2 selected categories, 1% everything else).

thank you kind sir, you are a scholar and a gentleman
http://static2.fjcdn.com/thumbnails/comments/You+my+friend+are+a+gentleman+and+scholar+i+salute +_cb5aac2a63538518d8bb5f87107ae179.jpg

[MG1]

Sign up here: https://www.ratesupermarket.ca/deals
You'll get a $100 gift card plus 20,000 PC points (worth $20).

I'm currently using the PC World Elite for groceries and gas (3%) and the Tangerine MC for everything else (2% on 2 selected categories, 1% everything else).

Yes, I love my PC World Elite Mastercard. I've earned thousands of dollars in rewards.

I buy gift cards using my World Elite. I get 3% if I buy them at Superstore. More cash back than if I used the credit card at those places. I buy 300 bucks of Home Depot gift cards and keep that amount handy. Also, Best Buy, McDonald's, Bay (can use at Home Outfitters), etc.

I've heard Tangerine was good, but I have too many cards as it is. I use Amazon.ca Visa for no USD transaction fee, plus Costco US only takes Visa. Now that Costco on both sides of the border doesn't accept American Express, I might cancel that one.

[v_tec]

Yes, I love my PC World Elite Mastercard. I've earned thousands of dollars in rewards.

I buy gift cards using my World Elite. I get 3% if I buy them at Superstore. More cash back than if I used the credit card at those places. I buy 300 bucks of Home Depot gift cards and keep that amount handy. Also, Best Buy, McDonald's, Bay (can use at Home Outfitters), etc.

Careful though. If you use a Home Depot GC to buy an item, there's no purchase protection / warranty, compared to charging it on a (/most) credit card(s).

[m3thods]

Yes, I love my PC World Elite Mastercard. I've earned thousands of dollars in rewards.

I buy gift cards using my World Elite. I get 3% if I buy them at Superstore. More cash back than if I used the credit card at those places. I buy 300 bucks of Home Depot gift cards and keep that amount handy. Also, Best Buy, McDonald's, Bay (can use at Home Outfitters), etc.

I've heard Tangerine was good, but I have too many cards as it is. I use Amazon.ca Visa for no USD transaction fee, plus Costco US only takes Visa. Now that Costco on both sides of the border doesn't accept American Express, I might cancel that one.

That's scary- I rock the same 2 cards for the same reasons and am mulling over keeping my Amex as well lol

The only reason I'm keeping it atm is for Front Of The Line.

Careful though. If you use a Home Depot GC to buy an item, there's no purchase protection / warranty, compared to charging it on a (/most) credit card(s).

Is that true? So if I buy with a HD gift card the initial warranty is void? Or do you mean the extended ones some credit cards apply when you make a purchase on them.

[Galactic_Phantom]

Does anybody have any USD credit cards they recommend?

I think spending $70 or whatever dollars on an annual fee seem like a decent trade-off for not having to worry about losing straight cash on vacation.

Are there any ones out there with a decent rewards program or anything of the sort?

[extracrunchie]

Does anybody have any USD credit cards they recommend?

I think spending $70 or whatever dollars on an annual fee seem like a decent trade-off for not having to worry about losing straight cash on vacation.

Are there any ones out there with a decent rewards program or anything of the sort?

I would recommend the Amazon.ca credit card as there are no yearly fees and there is No Foreign Currency Transaction Fees, so its just the straight exchange rate.

Better than a US credit card IMO as you have to pay in US dollars. With the amazon you just pay Canadian.

https://www.amazon.ca/gp/product/B00AFGCPZ2/ref=s9_acss_bw_hr_testCHAN_1_i?pf_rd_m=A3DWYIK6Y9E EQB&pf_rd_s=merchandised-search-3&pf_rd_r=3KZKFGZ47XJZKJ36B7BB&pf_rd_r=3KZKFGZ47XJZKJ36B7BB&pf_rd_t=101&pf_rd_p=8af11e94-0ae4-40e9-a038-606589a4d028&pf_rd_p=8af11e94-0ae4-40e9-a038-606589a4d028&pf_rd_i=3230544011

[Galactic_Phantom]

According to Jeedee, and other things I've read on the internet, they take forever to mail a physical card.

Do you remember how long it took for you to receive yours?

[Traum]

^^ I got mine fairly quickly after I applied. At the time, they also offered a $10 or $20 Amazon.ca credit as the sign up bonus too.

[extracrunchie]

According to Jeedee, and other things I've read on the internet, they take forever to mail a physical card.

Do you remember how long it took for you to receive yours?

Ya i got it fairly quickly as well but dont expect too much with this time of year.

Also I forgot to mention I have used this card in South Korea, Las Vegas, Indonesia, Taiwan and Japan. Its way more versatile and the no foreign exchange fee is a plus.

[Galactic_Phantom]

Perhaps I should call and get an ETA to see if I can get it within the next 10 days.

Are there any others out there?

[flagella]

Does anyone know if applying/canceling credit card affects one's credit score? There seems to be a lot of credit score myths out there and I'm trying to find some reliable information.

[winson604]

Does anyone know if applying/canceling credit card affects one's credit score? There seems to be a lot of credit score myths out there and I'm trying to find some reliable information.

Yes but the overall hit on your score is minimal at best

[Nlkko]

Applying for a card means you need to borrow. Cancelling a card means you are closing a credit account, regardless of reasons. Both will affect your score but only temporary. They fell off your profile after a period.

For closing a credit account though, you need to make absolutely sure there are no balance including incoming payment on it. All banks should do this for you but make sure you tell them to. A credit balance that you don't know about is bad for your score.

Generally I would suggest having 2-3 cards max, one primary and the other ones as backup. Nobody should needs more than that. Apply for one card at a time, when you get a new one, close the old one. Applying for a bunch of cards at once can make it look like you're desperate to borrow.

[frozen]

Sign up here: https://www.ratesupermarket.ca/deals
You'll get a $100 gift card plus 20,000 PC points (worth $20).

I'm currently using the PC World Elite for groceries and gas (3%) and the Tangerine MC for everything else (2% on 2 selected categories, 1% everything else).

Is the gift card mailed later? Got my PC World Elite but hasn't received the gift card yet.

[GLOW]

Is the gift card mailed later? Got my PC World Elite but hasn't received the gift card yet.

i think it's via email. i haven't received mine yet but it says you can request to have it checked on after 4 weeks. i'm about 1 week away before i can do that on their website.

on an aside. i already has a PC points card and checked it but it doesn't have the 20,000 points that i was supposed to get added to it. anyone know how to check up on that???

[Spoon]

Yes, it's an e-gift card that gets sent via email. Took several weeks to get mine for signing up to Tangerine. But I eventually got it. Just be patient. :)

[Cillu]

Yes, be patient with the gift card. Mine was for Cineplex and it took about 6 weeks.

[J____]

i like my RBC avion plat. Racked up so much points back in the day when i was traveling for work, exchanged the points for mortgage vouchers to pay off some of my mortgage :D

[roastpuff]

Just applied for the PC World Elite, that's a good card with no annual fee. I've been shopping at Loblaws' stores, as my new neighbourhood has mostly those. Guess it's time to start collecting PC Plus points.

[Nlkko]

RBC cards are terrible imo. Their rewards point system is a joke.

[hotjoint]

What's a good cash back credit card that's currently out? I've had the MBNA smartcash one for ages and it was great back in the day. Am I out of the loop or is this still the best one?

[frozen]

i think it's via email. i haven't received mine yet but it says you can request to have it checked on after 4 weeks. i'm about 3 weeks away before i can do that on their website.

on an aside. i already has a PC points card and checked it but it doesn't have the 20,000 points that i was supposed to get added to it. anyone know how to check up on that???

Not sure if it's a different case for people who already have PC points, but my 20,000 points came as paper coupons attached to one of the documents mailed together with the credit card. There are four coupons, each worth 5,000 pts.

[GLOW]

Not sure if it's a different case for people who already have PC points, but my 20,000 points came as paper coupons attached to one of the documents mailed together with the credit card. There are four coupons, each worth 5,000 pts.

weird, i didn't get any coupon when my card came in the mail just an intro FAQ book and the cards.

[Hondaracer]

RBC cards are terrible imo. Their rewards point system is a joke.

spend $120,000 for a fucking $1400 flight..

i'm gonna cancel my infinite avion after i redeem my next set of points, shit is brutal for rewards as you said.

the Costco Mastercard though... damnnnn son...

paying for our Reno's and just daily living from costco we're gonna get like $1400 back from Mastercard then another $700 back from Costco this year lol.. between 2 people

[roastpuff]

What's a good cash back credit card that's currently out? I've had the MBNA smartcash one for ages and it was great back in the day. Am I out of the loop or is this still the best one?

Tangerine MasterCard is the other cash back card that's good right now

[hud 91gt]

spend $120,000 for a fucking $1400 flight..

i'm gonna cancel my infinite avion after i redeem my next set of points, shit is brutal for rewards as you said.

the Costco Mastercard though... damnnnn son...

paying for our Reno's and just daily living from costco we're gonna get like $1400 back from Mastercard then another $700 back from Costco this year lol.. between 2 people
Wait for the British Airmails deal with Avion. Certain times of the year they allow to to transfer from Avion to BA miles x 1.5. My mom was able to transfer about 100k points into a Business/Firstclass flights from Victoria to Johannesburg (Return). Hell of a deal. I wasted mine on a couple trips in mexico in economy :( Now switched to BMO World Elite MasterCard.

[hotjoint]

Tangerine MasterCard is the other cash back card that's good right now

Does the tangerine online show the transaction right away after you've made a purchase? I know with my TD visa, it doesn't show until 2 days later once its been posted. I like that the MBNA one shows right away. It looks like the tangerine is better than the MBNA one so if the transactions show right away, I'd consider switching over. I hate that the MBNA one switched over to visa as well.

[winson604]

10 Best Cash Back Credit Cards in Canada for 2016 (http://www.howtosavemoney.ca/best-cash-back-credit-cards?s=m)

[Tr1ll]

Does the tangerine online show the transaction right away after you've made a purchase? I know with my TD visa, it doesn't show until 2 days later once its been posted. I like that the MBNA one shows right away. It looks like the tangerine is better than the MBNA one so if the transactions show right away, I'd consider switching over. I hate that the MBNA one switched over to visa as well.
Yep new transactions show up immediately online.

[m3thods]

Does the tangerine online show the transaction right away after you've made a purchase? I know with my TD visa, it doesn't show until 2 days later once its been posted. I like that the MBNA one shows right away. It looks like the tangerine is better than the MBNA one so if the transactions show right away, I'd consider switching over. I hate that the MBNA one switched over to visa as well.

Which TD Visa do you have? My wife has the TD app on her phone and whenever she purchases something using our card it notifies here immediately. It was jarring at first but it's literally 10s after purchasing you get a notification.

That said, I didn't check to see if it posts in the pending list as well.

[TouringTeg]

I used the MBNA Smart Cash Mastercard for years. Then a few months ago we received the new TD VISA cards in the mail and there was no option to stay with Mastercard.

(TD purchased MBNA back in 2011: TD buys MBNA's Canadian credit card business - Business - CBC News (http://www.cbc.ca/news/business/td-buys-mbna-s-canadian-credit-card-business-1.1068716) )

We canceled it because we wanted to have a Mastercard for use at Costco.

A couple months ago we switched to Tangerine Mastercard. 2% back on 3 categories and 1% on back on everything else. 4% on the 3 categories for the first 3 months. No annual fee. So far so good.

[v_tec]

I used the MBNA Smart Cash Mastercard for years. Then a few months ago we received the new TD VISA cards in the mail and there was no option to stay with Mastercard.

(TD purchased MBNA back in 2011: TD buys MBNA's Canadian credit card business - Business - CBC News (http://www.cbc.ca/news/business/td-buys-mbna-s-canadian-credit-card-business-1.1068716) )

We canceled it because we wanted to have a Mastercard for use at Costco.

A couple months ago we switched to Tangerine Mastercard. 2% back on 3 categories and 1% on back on everything else. 4% on the 3 categories for the first 3 months. No annual fee. So far so good.

Was yours the elite version?
My SmartCash is still MC.

[hotjoint]

Which TD Visa do you have? My wife has the TD app on her phone and whenever she purchases something using our card it notifies here immediately. It was jarring at first but it's literally 10s after purchasing you get a notification.

That said, I didn't check to see if it posts in the pending list as well.

TD travel reward infinite card. I only use it as a back up.

[hotjoint]

I used the MBNA Smart Cash Mastercard for years. Then a few months ago we received the new TD VISA cards in the mail and there was no option to stay with Mastercard.

(TD purchased MBNA back in 2011: TD buys MBNA's Canadian credit card business - Business - CBC News (http://www.cbc.ca/news/business/td-buys-mbna-s-canadian-credit-card-business-1.1068716) )

We canceled it because we wanted to have a Mastercard for use at Costco.

A couple months ago we switched to Tangerine Mastercard. 2% back on 3 categories and 1% on back on everything else. 4% on the 3 categories for the first 3 months. No annual fee. So far so good.

Yeah mine got switched to Visa as well and that pissed me off as I already have a Visa. I applied for the Tangerine one last night. Can't wait to get rid of this MBNA one.

[Ch28]

I used the MBNA Smart Cash Mastercard for years. Then a few months ago we received the new TD VISA cards in the mail and there was no option to stay with Mastercard.

(TD purchased MBNA back in 2011: TD buys MBNA's Canadian credit card business - Business - CBC News (http://www.cbc.ca/news/business/td-buys-mbna-s-canadian-credit-card-business-1.1068716) )

We canceled it because we wanted to have a Mastercard for use at Costco.

A couple months ago we switched to Tangerine Mastercard. 2% back on 3 categories and 1% on back on everything else. 4% on the 3 categories for the first 3 months. No annual fee. So far so good.

Weird....my MBNA Smart Cash is still Mastercard.

[Razor Ramon HG]

Damn, Tangerine transactions show right away?

CIBC doesn't even show pending transactions. I have to wait like 3-4 business days before the shit even shows up.

[jeedee]

anyone switch from Amazon cashback to Tangerine? Worth it or no?

[Tr1ll]

anyone switch from Amazon cashback to Tangerine? Worth it or no?
I have both. Tangerine is my daily and Amazon for foreign purchases.

[Nocardia]

the Costco Mastercard though... damnnnn son...
Is it not just 3% to restaurants, 2% gas and 1% all else?

Tangerine has 2% on 3 categories...but I suppose it depends on where you spend your money...

[winson604]

Still rocking the Capital One Aspire here which for a grand fathered account like mine is a no brainier.

Still though for non grand fathered accounts it ain't too bad, yes it has a $150 annual fee but it includes a $400 sign up bonus, 2% straight up across all purchases, and the way you redeem the money is easy peasy with zero restrictions.

[zetazeta]

I have both. Tangerine is my daily and Amazon for foreign purchases.

I have Tangerine right now and just applied for Amazon. Does the Chase Amazon card have an online statement and setup like Tangerine does?

[Tr1ll]

I have Tangerine right now and just applied for Amazon. Does the Chase Amazon card have an online statement and setup like Tangerine does?
Yeah you can view all your transactions and everything online with Chase just like Tangerine. Unlike Tangerine though, transactions take 2-3 days or something to show up online. I haven't been able to find an option on the Chase website to have them stop sending me statements by mail though unless I have to call in to do it.

[MarkyMark]

Yeah you can view all your transactions and everything online with Chase just like Tangerine. Unlike Tangerine though, transactions take 2-3 days or something to show up online. I haven't been able to find an option on the Chase website to have them stop sending me statements by mail though unless I have to call in to do it.

I'm awaiting my Amazon Visa right now, but everything I've read about it online says you can't go paperless with this card. Something about it being an American company or some shit.

I also read Scotiabank is dealing with all the Canadian Chase accounts now, which must be true because it was a Scotiabank number that called me back to finish the application process.

[AzNightmare]

Yeah you can view all your transactions and everything online with Chase just like Tangerine. Unlike Tangerine though, transactions take 2-3 days or something to show up online. I haven't been able to find an option on the Chase website to have them stop sending me statements by mail though unless I have to call in to do it.

It's a pain in the ass, but there's no way to stop Chase from sending paper statements.... I've tried.

:fulloffuck:


Tangerine seems to be pretty popular. But is it better than Scotia Momentum Visa Infinite?

[roastpuff]

It's a pain in the ass, but there's no way to stop Chase from sending paper statements.... I've tried.

:fulloffuck:


Tangerine seems to be pretty popular. But is it better than Scotia Momentum Visa Infinite?

And their paper statements have very little lead time to pay the bill, you receive it and there's like 5 days so if you don't check your mail every day you might end up paying late. Chase is not a good institution IMO.

Tangerine has no annual fee, the Scotia does. So it depends.

[jeedee]

And their paper statements have very little lead time to pay the bill, you receive it and there's like 5 days so if you don't check your mail every day you might end up paying late. Chase is not a good institution IMO.

people still check their credit card statements by mail? :lol

it's the year 2017. You can check it online and see how much you owe

https://online.chasecanada.ca/ChaseCanada_Consumer/Login.do

[roastpuff]

people still check their credit card statements by mail? :lol

it's the year 2017. You can check it online and see how much you owe

https://online.chasecanada.ca/ChaseCanada_Consumer/Login.do

I just canceled my Chase Marriott card, the last statement just came - 3 days late because of my mail re-direct. Couldn't log in online and check.

[dn53]

I just got the Amazon Chase visa myself and successfully registered on their chase website. I only got a $20 gift card to Amazon when signing up but its pretty rad. Being able to dodge the foreign currency transaction fees was nice and I use Amazon quite a bit. I've always been one to pay off my credit card right away so high interest rates don't get me too worried.

I'm a prime member and was debating whether to get the store card too for 5% off compared to chase's 3%......but hmm so many cards :lol

[TOPEC]

It's a pain in the ass, but there's no way to stop Chase from sending paper statements.... I've tried.

:fulloffuck:


Tangerine seems to be pretty popular. But is it better than Scotia Momentum Visa Infinite?

dont forget tangerine has no annual fee where as the scotia momentum does with $39/year

Currently my CC combos are:
Scotia Momentum Visa Infinite ($99 annual fee) for 4% gas/grocery, 2% drug store/recurring bills, got back roughly $500-annual fee last year, purely using this card for gas/grocery/recurring billing only. if u spend a lot on gas, this card is the best choice, but application is also very strict on meeting annual income requirement i read, thought it did not apply to me for some reason lol. anything else its the MBNA Rewards Travel (no annual fee, grandfathered) for 2% everything else

[godwin]

One thing about credit card is if you bank with the big banks regularly get to know your banker (yes I had also said the same thing about postie).. If you bank enough and get to know the staff at your local branch, a lot of the times the associate you deal with can get your card fee reimbursed so free.

[hotjoint]

Damn, Tangerine transactions show right away?

CIBC doesn't even show pending transactions. I have to wait like 3-4 business days before the shit even shows up.

Yeah. The MBNA one shows right away as well. Love that feature, that should be standard on all credit cards. No clue why some only show once they've posted.

[wc19]

Wait for the British Airmails deal with Avion. Certain times of the year they allow to to transfer from Avion to BA miles x 1.5. My mom was able to transfer about 100k points into a Business/Firstclass flights from Victoria to Johannesburg (Return). Hell of a deal. I wasted mine on a couple trips in mexico in economy :( Now switched to BMO World Elite MasterCard.

I rarely ever see the Avion to BA promos anymore :(

Anyone know of any good CC's that is good to use for travelling?

[roastpuff]

I rarely ever see the Avion to BA promos anymore :(

Anyone know of any good CC's that is good to use for travelling?

Define good to use for traveling. Points? Hotel benefits? Airline lounge access?

[wc19]

Define good to use for traveling. Points? Hotel benefits? Airline lounge access?

For points and lounge access, currently I have the avion visa infinite. Looking at switching if there are any other good ones.

[roastpuff]

For points and lounge access, currently I have the avion visa infinite. Looking at switching if there are any other good ones.

The best is the AMEX Platinum card, the business version. 75K transferable points after 5K spend, unlimited Priority Pass lounges and Centurion lounge access. The $450 fee is much more palatable vs. the $699 personal card. SPG and Accor status along with FHR benefits help too.

[v_tec]

The best is the AMEX Platinum card, the business version. 75K transferable points after 5K spend, unlimited Priority Pass lounges and Centurion lounge access. The $450 fee is much more palatable vs. the $699 personal card. SPG and Accor status along with FHR benefits help too.

Sorry but this is incorrect.
Plat Biz only give access to Centurion, Plaza Premium, Delta Sky Club, etc lounges. NOT unlimited Priority Pass. The 'annual' fee of PP is paid by Amex, but you will still need to pay $27 USD per entry to any PP lounges.

Only the Amex Plat Personal give unlimited PP.

[Nlkko]

Depends on how often you travel. BMO World Elite gives 4 PP visits, rewards @ 2% and cost 150 a year or something. Love their concierge, very well trained people.

[Verdasco]

hey guys, i have a couple of credit cards, RBC, and they are utter trash. I do not use them regularly and left unused most of the time. I want to try and build my credit, I pay for my cellphone, utility, car finance, insurance etc.

Does using my credit card here and there can really boost my credit? dumb question but how much different would it really make if I am already paying bills on the get go

edit: i want to apply for amazon.ca visa as well from chase for american purchases in the future, not sure if they need super crazy credit to apply and does the CC work well with europe or just USA?

[Nlkko]

If your score is already 800 you can't really "build" much. Get one-time credit reports from Transunion and Equifax, and see where you are at. Keep in mind credit increase over a long period of time and is affected by many factors:

- On time payment of debt (credit card, loans, mortgage, utilities bills)
- Utilization of the card (% of balance on the card)
- Correct profile info (make sure your credit profile is correct between Transunion and Equifax and dispute any discrepancies)
- Number of outstanding credit (how many credit cards)
- Number of time you get a hard credit check (applying for a new card/loan/mortgage)

[roastpuff]

Sorry but this is incorrect.
Plat Biz only give access to Centurion, Plaza Premium, Delta Sky Club, etc lounges. NOT unlimited Priority Pass. The 'annual' fee of PP is paid by Amex, but you will still need to pay $27 USD per entry to any PP lounges.

Only the Amex Plat Personal give unlimited PP.

Thank you for the correction. I was under the impression that the PP access is the same between the two, and the main difference was the lack of $200 annual travel credit.

I never really used the PP, I was either traveling in J or accessing Plaza Premium or Sky Clubs :D

[Verdasco]

hey guys, applied for visa with amazon.ca , morgan chase

where can i check the process of my application? filed it online

[Ulic Qel-Droma]

currently use this:
https://www.tdcanadatrust.com/products-services/banking/credit-cards/view-all-cards/aeroplan-infinite-card_b.jsp

but thinking of switching to:
https://www.tdcanadatrust.com/products-services/banking/credit-cards/view-all-cards/aeroplan-infinite-privilege-card.jsp

pay about 70% more annual fee, but make 25% more points...

and that fast access lineup at the airports lol... mainly for that.

I dunno about you guys, joining aeroplan infinite was the best decision i made for credit cards. I've been getting a free round trip to asia every year, for a tiny fee of 120 a year with regular spending. lol. it's a no brainer.

[jeedee]

hey guys, applied for visa with amazon.ca , morgan chase

where can i check the process of my application? filed it online

you didn't get approved instantly?

when i applied back then i got approved instantly after filling out my info

[roastpuff]

hey guys, applied for visa with amazon.ca , morgan chase

where can i check the process of my application? filed it online

Call them, not sure if they have online status check.

I just received my PC Plus World Elite Mastercard, looks really nice in person with their new matte black and silver finish.

[dat_steve]

^^^

hmmm....

https://media.giphy.com/media/10nMEclFWTPCp2/giphy.gif

[roastpuff]

^^^

hmmm....

https://media.giphy.com/media/10nMEclFWTPCp2/giphy.gif

My sticky note privacy method not good enough I guess :lawl:

[m3thods]

you didn't get approved instantly?

when i applied back then i got approved instantly after filling out my info

Same thing happened to me. Just waited a week for the card to show up. Amazon automatically applied the card to my account so I could use it asap.

[hi-revs]

How's the Tangerine cc? Been thinking of switching my RBC Avion to that.

[Reeyal]

How's the Tangerine cc? Been thinking of switching my RBC Avion to that.

If you like cash back with no annual fees, Tangerine CC might be for you.
Canada's best cash-back credit cards of 2016 (http://www.moneysense.ca/spend/credit-cards/best-cash-back-credit-cards-of-2016/)

[jeedee]

Tangerine finally called me back and approved me for the cashback :fullofwin:

they gave me a limit as much as my TD Aeroplan card :ahwow:

unlike Amazon Visa cashback which only gave me a $600 limit.....

[roastpuff]

Have had my PC Financial World Elite Mastercard since middle of January. Already have $40 in free groceries... and I haven't been buying that much stuff at Superstore!

7c in cash back from the Superstore gas bar is also awesome.

[Ulic Qel-Droma]

Been thinking of switching to something else after being with td visa aeroplan infinite for some years now, after a few days of researching and mathing shit out...

Costco executive member + MBNA cash back= 4% back at costco... basically switch as much purchases to costco as possible.

MBNA cash back 2% everything that's not costco.

Costco MasterCard 3% at restaurants.

should be getting 3% back on average.

cost: ~200 a year for costco membership and MBNA.

should make more back dollar wise even after converting aeropoints to dollars...

only gripe I have is I lose the automatic travel insurance coverage... and lose apple pay and iOS app support for those banks/CC's lol... oh and they're all mastercards. so if a place doesn't accept mastercard you're shit out of luck haha...

what do u guys think? 3% back average is pretty good for ~200 bux a year (including costco's membership).

[Spoon]

This one?
Capital One Platinum MasterCard exclusively for Costco Members - Apply | Capital One Canada (http://www.capitalone.ca/credit-cards/costco/)

Where does it mention 4% cashback at costco and 2% everything else not costco?

[AstulzerRZD]

I've been incredibly happy with my Amex Gold: https://www.americanexpress.com/ca/en/content/gold-rewards-card/?filter=Rewards-customer&linknav=CA-EN-Home-page-lfc-travel-rewards-Cards-Large

Quick Summary on what I like

25000 points (1:1 to Aeroplan/Avion!, or $250 cash value) upon 1500 spend in first 90 days [enough for Aeroplan North America Round Trip]
Low income requirement (20k annual), 'no' spending limit since it's a charge card [great for students]
2% on gas, groceries, drug store, flight, car rental, etc.
3% on travel if you book through AMEX (Air Canada, WestJet at the same price as Google)
5 million emergency medical, 500k travel accidence, trip interruption, baggage, flight delay, etc
First year free, 150 afterwards I believe


Edit: PM me for a referral code if you'd like one - you get the exact same benefits, but I get 5000 points out of it

[68style]

^ Most retailers don't take AMEX though, they charge ridiculous discount rates to stores.

[Ulic Qel-Droma]

This one?
Capital One Platinum MasterCard exclusively for Costco Members - Apply | Capital One Canada (http://www.capitalone.ca/credit-cards/costco/)

Where does it mention 4% cashback at costco and 2% everything else not costco?

It's 1% cash back.
3% restaurants (ONLY use for restaurants)
2% gas.

But u have Costco executive membership (the black member card) 2% back automatically.

And then u have MBNA 2% back everything

So u use MBNA at costo for 4% back total. 2% credit goes back to Costco member account (not capital one Costco credit card). And 2% goes back to MBNA. And u use the MBNA 2% everywhere else except restaurants, where you use the 3% back capital one Costco cc.

89 dollar mbna annual fee (u get 100 bux first year for signing up)
And 110 for executive membership at Costco (not the 55 dollar basic membership)
Hence the 200 dollar annual fee.

Your cash back average should be around 3%.

Makes sense??

FYI I pulled the trigger and applied for MBNA cash back lol. Got approved with 20k to start lol.

[Ulic Qel-Droma]

I've been incredibly happy with my Amex Gold: https://www.americanexpress.com/ca/en/content/gold-rewards-card/?filter=Rewards-customer&linknav=CA-EN-Home-page-lfc-travel-rewards-Cards-Large

Quick Summary on what I like

25000 points (1:1 to Aeroplan/Avion!, or $250 cash value) upon 1500 spend in first 90 days [enough for Aeroplan North America Round Trip]
Low income requirement (20k annual), 'no' spending limit since it's a charge card [great for students]
2% on gas, groceries, drug store, flight, car rental, etc.
3% on travel if you book through AMEX (Air Canada, WestJet at the same price as Google)
5 million emergency medical, 500k travel accidence, trip interruption, baggage, flight delay, etc
First year free, 150 afterwards I believe


Edit: PM me for a referral code if you'd like one - you get the exact same benefits, but I get 5000 points out of it

That was almost my first choice except it's AMEX. Not accepted at enough places. Also I mathed it out. My combo gets more back.

BUT Amex does have nice travel insurance benefits.

[AstulzerRZD]

That was almost my first choice except it's AMEX. Not accepted at enough places. Also I mathed it out. My combo gets more back.

BUT Amex does have nice card benefits. Travel insurance 5mm I believe. lol.
The not being accepted does happen more often at ethnic retailers - personally haven't had much issue here in Ontario, but YMMV

The low income and credit requirements are quite appealing as a student, I don't make nearly enough income to qualify for an equivalent MasterCard with similar benefits

Sent from my LG-H831 using Tapatalk

[winson604]

Been thinking of switching to something else after being with td visa aeroplan infinite for some years now, after a few days of researching and mathing shit out...

Costco executive member + MBNA cash back= 4% back at costco... basically switch as much purchases to costco as possible.

MBNA cash back 2% everything that's not costco.

Costco MasterCard 3% at restaurants.

should be getting 3% back on average.

cost: ~200 a year for costco membership and MBNA.

should make more back dollar wise even after converting aeropoints to dollars...

only gripe I have is I lose the automatic travel insurance coverage... and lose apple pay and iOS app support for those banks/CC's lol... oh and they're all mastercards. so if a place doesn't accept mastercard you're shit out of luck haha...

what do u guys think? 3% back average is pretty good for ~200 bux a year (including costco's membership).

3% avg cash back is just theory though assuming you eat at restaurants and shop at Costco a lot to keep that avg at 3%. I would assume for most people that the 2% categories will account for over 50% of your months spending.

With that said, the numbers are still decent.

[Ulic Qel-Droma]

3% avg cash back is just theory though assuming you eat at restaurants and shop at Costco a lot to keep that avg at 3%. I would assume for most people that the 2% categories will account for over 50% of your months spending.

With that said, the numbers are still decent.

The average would still be above 2%. Maybe 2.5% which like u said is decent. And comparable to Amex travel if u converted points to cash value. Costs more overall but you also get access to Costco. Who doesn't wanna shop at Costco? Lol

[jeedee]

did anyone else get a letter in the mail from tangerine that they're changing the 1% cashback on other purchases to 0.5%?!

effective April 29th

[Ch28]

did anyone else get a letter in the mail from tangerine that they're changing the 1% cashback on other purchases to 0.5%?!

effective April 29th

:lol that card didn't take long to change

[Ulic Qel-Droma]

The not being accepted does happen more often at ethnic retailers - personally haven't had much issue here in Ontario, but YMMV

The low income and credit requirements are quite appealing as a student, I don't make nearly enough income to qualify for an equivalent MasterCard with similar benefits

Sent from my LG-H831 using Tapatalk

just lie LOL. If you have good credit they'll usually just approve it right away.


did anyone else get a letter in the mail from tangerine that they're changing the 1% cashback on other purchases to 0.5%?!

effective April 29th

they're also raising the foreign transaction fee from 1.5 to 2.5% i believe... i forgot the numbers, but it's higher lol.

nevertheless... it's still a great free backup card. 2% in 3 categories for a backup is awesome.

[jeedee]

:lol that card didn't take long to change

i JUST got the card too :fuuuuu:

[1337]

I use the BMO World Elite MasterCard and the MBNA Rewards World Elite. Both great cards with great value for associated cost. For anyone who deters from a fee-based card due to annual fee, think about what your monthly or annual spend is and calculate the difference in rewards dollars from a free card vs premium card. If you believe that the perks such as lounges, travel, medical insurance are things you'll use from the premium card then there could be value for the upgrade in addition to collecting rewards or cashback faster.

[AstulzerRZD]

did anyone else get a letter in the mail from tangerine that they're changing the 1% cashback on other purchases to 0.5%?!

effective April 29th

Got the letter - switched to AMEX Simply Cash.

5% for 6 months on gas, groceries, and dining.
1.25% on everything else.
0 annual fee, comes with travel accident insurance, rental car insurance, buyer/purchase protection.

The best part has to be $100 for each referral. If you want this card, PM me and we can split the referral bonus.

[jeedee]

question:

recently got a refund on an item i ordered to my card and now i have a 'positive' balance above my credit limit

Is this bad for my credit score?

eg. i have a $10k limit and with the refund i now have $11k available to spend from that refund 🤔

[Hondaracer]

This year we got $1600 back from the Costco MC between 2 cards lol..

Love me some Costco...also Home Depot apperently