[cl811]

Tangerine is the best free credit card with 1% cash back and 2% in select categories (gas etc). If you travel often, I recommend the TD Visa Infinite Card (not the Aeroplan one). It gives 1.5% in Expedia dollars which u can use towards anything like hotel, car rental, vacations. When you purchase travel on Expedia, you get 4.5% back. It's best for travel and even has trip insurance etc included.

[tonyzoomzoom]

Tangerine is dropping the cash back for generic stuff from 1% to 0.5%

[EvoFire]

Bringing this back

TD is dropping their Rebates Rewards Visa, or so I was told in a letter from them. Now I'm looking for a good Visa to get. I already have an MBNA Mastercard, but I like having 1 of each Visa and Mastercard in case places take one and not the other

[MG1]

I'm pretty happy with my More Rewards Visa. Administered via Scotia Bank.

7 times the rewards when I'm at a Save On Foods or any of Jimmy's stores. 6 times everywhere else.

Not sure how that compares to my PC World Elite Mastercard as far as getting money back.

Anyway, I have so many cards that my wallet is a pain in the butt, literally. I cannot sit with it in my back pocket. I wish it was thick because of cash, Gulololol.

[Traum]

The Chase Amazon Rewards VISA?

https://www.chase.com/online/canada/amazon-ca-home.htm

[Razor Ramon HG]

Chase Amazon VISA is the best if you're making purchases in a foreign currency or shop on Amazon often.

I use my card exclusively for those two purposes, but will use my main card for larger purchases off Amazon as it's pretty barebones with no purchase protection or extended warranty.

I read that they stopped taking applications a while back, but it looks like it's up again?

[MG1]

Yup, I use it for my weekly Bellingham shopping. Now that Costco in the US only takes Visa it is really a convenient card that has no fees or foreign exchange transaction fees. Like Razor, I also use it for Amazon.ca purchases.

[EvoFire]

I'm pretty happy with my More Rewards Visa. Administered via Scotia Bank.

7 times the rewards when I'm at a Save On Foods or any of Jimmy's stores. 6 times everywhere else.

Not sure how that compares to my PC World Elite Mastercard as far as getting money back.

Anyway, I have so many cards that my wallet is a pain in the butt, literally. I cannot sit with it in my back pocket. I wish it was thick because of cash, Gulololol.

Unfortunately I don't shop with Jimmy.

The Chase Amazon Rewards VISA?

https://www.chase.com/online/canada/amazon-ca-home.htm

Chase Amazon VISA is the best if you're making purchases in a foreign currency or shop on Amazon often.

I use my card exclusively for those two purposes, but will use my main card for larger purchases off Amazon as it's pretty barebones with no purchase protection or extended warranty.

I read that they stopped taking applications a while back, but it looks like it's up again?


I wish I can apply. It says not available for applications right now :rant

[Hondaracer]

I'm dropping my RBC avion once I go on the two trips ive booked with it come up.

We purchase 100% of our gas/food/Costco with the Costco Amex, so wondering what avenue I should go with for a different visa..

[6thGear.]

Bringing this back

TD is dropping their Rebates Rewards Visa, or so I was told in a letter from them. Now I'm looking for a good Visa to get. I already have an MBNA Mastercard, but I like having 1 of each Visa and Mastercard in case places take one and not the other

My letter says Rebate Rewards is name changing to TD Cash Back Program. Seems like cashback earn rates will change and access to cash rebate (min$25) at any time now versus waiting to end of the year.

On another note I applied and is now waiting for my PC World Elite MC. I had my Airmiles MC for like 15 years and it has never served me much. I'm cancelling that for my PC one.

[Spoon]

Still hanging on to my TD First Class Infinite because my favourite HK-style cafe takes Visa only. But Visa's been such a shit show I've contemplated whether or not to just switch to Scotia's Scene card. FailFish

[Traum]

Still hanging on to my TD First Class Infinite because my favourite HK-style cafe takes Visa only. But Visa's been such a shit show I've contemplated whether or not to just switch to Scotia's Scene card. FailFish
Which HK tea restaurant is that? I thought they all just deal with cash.

[Ulic Qel-Droma]

Bringing this back

TD is dropping their Rebates Rewards Visa, or so I was told in a letter from them. Now I'm looking for a good Visa to get. I already have an MBNA Mastercard, but I like having 1 of each Visa and Mastercard in case places take one and not the other

new card soon:

TD Cash Back Visa Infinite Card, annual fee $120 (it could be waived, if you have the TD all-inclusive account). You can earn 3% cash back on grocery/gas/pre-authorized payment (at most $5000 per category yearly) , and 1% cash back on other purchases. It has same insurances as the other TD Visa Infinite Cards. When you get approved, you can get 6% cash back on grocery/gas/pre-authorized payment (at most $3500) for the first three months.

so, basically, 2% MBNA MC, 3% restaurant costco MC, and if you leave 5000 in your acct at TD for the all inclusive account, 3% on grocery/gas VISA.

3 cards, averaging 2.1-2.5% back depending on spending habits.

[jeedee]

new card soon:

TD Cash Back Visa Infinite Card, annual fee $120 (it could be waived, if you have the TD all-inclusive account). You can earn 3% cash back on grocery/gas/pre-authorized payment (at most $5000 per category yearly) , and 1% cash back on other purchases. It has same insurances as the other TD Visa Infinite Cards. When you get approved, you can get 6% cash back on grocery/gas/pre-authorized payment (at most $3500) for the first three months.

so, basically, 2% MBNA MC, 3% restaurant costco MC, and if you leave 5000 in your acct at TD for the all inclusive account, 3% on grocery/gas VISA.

3 cards, averaging 2.1-2.5% back depending on spending habits.

bump

this card is now available since June 18th

thinking of switching my aeroplan visa to this cashback card. What should i spend my 40k points on? :lol

[blkgsr]

new card soon:

TD Cash Back Visa Infinite Card, annual fee $120 (it could be waived, if you have the TD all-inclusive account). You can earn 3% cash back on grocery/gas/pre-authorized payment (at most $5000 per category yearly) , and 1% cash back on other purchases. It has same insurances as the other TD Visa Infinite Cards. When you get approved, you can get 6% cash back on grocery/gas/pre-authorized payment (at most $3500) for the first three months.

so, basically, 2% MBNA MC, 3% restaurant costco MC, and if you leave 5000 in your acct at TD for the all inclusive account, 3% on grocery/gas VISA.

3 cards, averaging 2.1-2.5% back depending on spending habits.

which MBNA card do you have? Platinum, world elite?


I'm dropping my RBC avion once I go on the two trips ive booked with it come up.

We purchase 100% of our gas/food/Costco with the Costco Amex, so wondering what avenue I should go with for a different visa..

any reason why? that's why i have with a shit ton of points

[Spoon]

new card soon:

TD Cash Back Visa Infinite Card, annual fee $120 (it could be waived, if you have the TD all-inclusive account). You can earn 3% cash back on grocery/gas/pre-authorized payment (at most $5000 per category yearly) , and 1% cash back on other purchases. It has same insurances as the other TD Visa Infinite Cards. When you get approved, you can get 6% cash back on grocery/gas/pre-authorized payment (at most $3500) for the first three months.

so, basically, 2% MBNA MC, 3% restaurant costco MC, and if you leave 5000 in your acct at TD for the all inclusive account, 3% on grocery/gas VISA.

3 cards, averaging 2.1-2.5% back depending on spending habits.

Card is free for people who have a TD All inclusive Chequing account. I can finally get rid of my TD Travel card. :thumbsup:

[blkgsr]

sweet opening an account now...anyone know how do transfer money from my RBC to the TD account? need $5000 minimum for no monthly fees

[Funnel]

sweet opening an account now...anyone know how do transfer money from my RBC to the TD account? need $5000 minimum for no monthly fees

Withdrew $100x50 from RBC and walk to any TD branch.
Or make a bank draft payable to TD bank if you are afraid to carry $5000 cash with you.

[blkgsr]

Withdrew $100x50 from RBC and walk to any TD branch.
Or make a bank draft payable to TD bank if you are afraid to carry $5000 cash with you.

cash is fine....just wondering if there was on option online

sorta shitty to have to keep $5000 in the account just to save the $120 yearly fee, doesn't TD have a "high interest" savings account?

also a pain in the ass to constantly have to keep transferring the funds from one bank to the other

i'm 100% with RBC and don't have to do shit all. salary goes it and visa is paid automatically.

is there an easier way once the TD account it set up to move the funds? or just interact myself $1500 at a time

[Spoon]

Don't use it much, but perhaps email transfer will work as well.

TD's all inclusive is pretty good. I can justify it since I get a free (small) safety deposit box out of it or they can provide you with a rebate if you need a larger one. Most importantly, no monthly fees.

[Ch28]

bump

this card is now available since June 18th

thinking of switching my aeroplan visa to this cashback card. What should i spend my 40k points on? :lol

Most domestic flights are 25k points (Toronto/Montreal etc) as well as a lot of American cities. Most international flights will be 75k-125k

[kr4l]

bump

this card is now available since June 18th

thinking of switching my aeroplan visa to this cashback card. What should i spend my 40k points on? :lol

I got almost 800k in points. Fuck air Canada and there bullshit move

[Gerbs]

Is the MBNA Smart Cash Platinum Plus® the one you guys use for cashback? I'm looking for a no annual fee cash back card.

[Spoon]

^Just cancelled mine recently. TBH, I only got it for a promo, but it was alright as a general use card. For the most part, I'm using Tangerine and PC Mastercard until I get the TD one. TD Infinite Cash could possibly be used for 90% of my transactions other than dining out.

[roastpuff]

I got almost 800k in points. Fuck air Canada and there bullshit move

You still got time.

Is the MBNA Smart Cash Platinum Plus® the one you guys use for cashback? I'm looking for a no annual fee cash back card.

Tangerine, or PC WE Mastercard if you shop at Superstore. I'm thinking of the TD Cash Back card too.

[Ulic Qel-Droma]

which MBNA card do you have? Platinum, world elite?



world elite, 80 dollar annual fee, 2% back no categories. u redeem whenever you have 50 bux worth of points i believe. to your bill or write u a cheque.

it's the best cash back card on the market, period.

unless u were lucky enough to get it before the 80 dollar annual fee, then its free lol.



sorta shitty to have to keep $5000 in the account just to save the $120 yearly fee, doesn't TD have a "high interest" savings account?

also a pain in the ass to constantly have to keep transferring the funds from one bank to the other

i'm 100% with RBC and don't have to do shit all. salary goes it and visa is paid automatically.

is there an easier way once the TD account it set up to move the funds? or just interact myself $1500 at a time

120/5000=2.4%
so you are getting 2.4% "interest" which u use on your card to waive the fee. i guess u can think of it that way. u cant really get 2.4% interest anywhere else other than online banks like EQ bank or a million year GIC at your big banks LOL.

u also get a buncha other perks, i think unlimited transfers for free.

I got almost 800k in points. Fuck air Canada and there bullshit move

lol yeah. im dumping my aeroplan cards or switching them out when the annual fees expire.

time to go travelling bro. u can go to asia and back 10 times. lol.

[XplicitLuder]

i had applied and gotten my aeroplan card like a month before air canada bs came to light...kinda sucks but i think im gonna stick it out. Only because the other airlines in the star alliance are airlines i actually use quite often to visit home

[highfive]

Anyone hear about blueshore visa? Uses same reward company Td owns. Similar to the first class but 2% rather than 1.5.

[LancerBoy]

Thinking of getting this one that just came out:

https://www.americanexpress.com/canada/en/cash-back-credit-cards/compare/?linknav=CA-Home-page-Hero-40043-Learn-more

5% cash back on gas grocery restaurants for first 6 months. Earn 1.25% on everything after 6 months. No annual fee.

or

5% cash back on everything for first 6 months, then drop to 2%. $99 annual fee.

[blkgsr]

i think my maths right here....if you go with the free option instead of the $99 annual fee you have to spend an extra $13750 to make the $99 savings.

[Gerbs]

Takes $4950 to receive $99 back.

[blkgsr]

Takes $4950 to receive $99 back.

yes at 2%...but the difference between getting 2% @$99 per year or 1.25% @ free for the year is 0.75%

it takes $13200 to make up that .75% to get $99


some how got the number wrong but not by much

[twitchyzero]

stupid question...when my card expires 9/17 it expires on the 30th of September or the 1st?

Are there any CC that doesn't have the forex conversion fee AND offer travel insurance or car rental insurance? I don't mind if it has annual fees...the 2% I get back from every MBNA purchase for the $90/yr has been well worth it.

[danned]

The expiration date is embossed on the card. The card will expire on the last day of the month that is written. For example, if the expiration month/year shows 01/17, the card will expire on January 31, 2017.

[blkgsr]

world elite, 80 dollar annual fee, 2% back no categories. u redeem whenever you have 50 bux worth of points i believe. to your bill or write u a cheque.

it's the best cash back card on the market, period.

unless u were lucky enough to get it before the 80 dollar annual fee, then its free lol.


just signed up for this

[Nlkko]

world elite, 80 dollar annual fee, 2% back no categories. u redeem whenever you have 50 bux worth of points i believe. to your bill or write u a cheque.

it's the best cash back card on the market, period.

unless u were lucky enough to get it before the 80 dollar annual fee, then its free lol.




120/5000=2.4%
so you are getting 2.4% "interest" which u use on your card to waive the fee. i guess u can think of it that way. u cant really get 2.4% interest anywhere else other than online banks like EQ bank or a million year GIC at your big banks LOL.

u also get a buncha other perks, i think unlimited transfers for free.



lol yeah. im dumping my aeroplan cards or switching them out when the annual fees expire.

time to go travelling bro. u can go to asia and back 10 times. lol.

89 dollar now but 2% at 89 a year is still pretty good.

I still have the BMO 2% at 150 a year.

RBC have the shitiest product out of all the banks imo.

[roastpuff]

RBC have the shitiest product out of all the banks imo.
Nope, HSBC. At least RBC got Avion.

[Rallydrv]

Best card or card company hands down has to be American express. I do pay fees, however the service is amazing. Never on hold for long, if I dispute charges,if any it's not an issue. Plus I'm lucky that I've kept my points balance in American express rather than convert to ap. I travel a lot, just for insurance and such, it's worth it. If I don't qualify for * gold, I'll switch to ae platinum.

Yes I have had aeroplane cards in the past. My other only card is mbna cash back. And I do pay of balance every month.

BTW I learned of sneaky visa practises ( or at least concerns adventura). If you make a foreign currency transaction, they hold posting charges for up to week or two, and when the exchange rate is at highest they post changes.with ae it's right away.

[roastpuff]

Best card or card company hands down has to be American express. I do pay fees, however the service is amazing. Never on hold for long, if I dispute charges,if any it's not an issue. Plus I'm lucky that I've kept my points balance in American express rather than convert to ap. I travel a lot, just for insurance and such, it's worth it. If I don't qualify for * gold, I'll switch to ae platinum.

Yes I have had aeroplane cards in the past. My other only card is mbna cash back. And I do pay of balance every month.

BTW I learned of sneaky visa practises ( or at least concerns adventura). If you make a foreign currency transaction, they hold posting charges for up to week or two, and when the exchange rate is at highest they post changes.with ae it's right away.
Agree, love Amex's customer service. Their cards also have really good perks. If I was travelling more I would keep their cards.

[blkgsr]

if I dispute charges,if any it's not an issue.

have a dispute through VISA right now for some blinds i bought....its' taken 2 months so far and i still won't hear back for another 2 weeks

bull shit

[AstulzerRZD]

Agree, love Amex's customer service. Their cards also have really good perks. If I was travelling more I would keep their cards.

Their Simply Cash card is pretty good - switched from AMEX Gold after my first year instead of applying for Tangerine MC.

Gonna shill for it a little bit. 0 annual fee, 5% cashback on food, gas, groceries in the first 3 months, 1.25% on everything else anytime. Has rental car CDW, travel accident insurance, purchase protection and assurance plans.

There's even $50 bonus if you sign up from referral code (PM me if you want it)

[AstulzerRZD]

v_tec, if you have something constructive to contribute to the discussion, let's hear it. What suggestions might you have to offer?

AMEX Simply Cash is recognized by quite a few as one of the best no fee cashback cards after Tangerine dropped their cashback rates for the 3 categories.

Canada's best cash-back credit cards of 2016 (http://www.moneysense.ca/spend/credit-cards/best-cash-back-credit-cards-of-2016/)
Top Cash Back Credit Cards in Canada - GreedyRates.ca (http://www.greedyrates.ca/top-picks/top-cash-back-credit-cards.html)
Best Credit Cards in Canada 2017 (http://www.howtosavemoney.ca/best-credit-cards)
The Simply Cash Card From American Express Is Very Underrated! (http://www.howtosavemoney.ca/the-simply-cash-card-from-american-express-is-very-underrated)

[CivicBlues]

So I just found out Amazon is discontinuing their Chase Credit card (no foreign exchange markup).

Any other CC's that provide a similar feature? I read on RFD about Home Trust's Visa but a lot of people there say they're being denied after applying (with good credit, good income).

[neverLift]

Rogers Platinum Mastercard - 4% back on forex purchases with a 2.5% fee.

Also 1.75% back on everything else.

$29 annual fee, free first year and waived if your put your Rogers bill on it.

[Nlkko]

BMO WorldElite Travel MasterCard - 3% returns on everything starting January. 150 annual fee. Posted this on the frugal thread.

[PeanutButter]

BMO WorldElite Travel MasterCard - 3% returns on everything starting January. 150 annual fee. Posted this on the frugal thread.

It's actually 3% on gas, groceries, and entertainment. 2% on everything else, but once they come in with their devaluation of the card, the effective travel rewards is only like 1.4% or something.

the card is getting nerfed.

[Traum]

So I just found out Amazon is discontinuing their Chase Credit card (no foreign exchange markup).

Any other CC's that provide a similar feature? I read on RFD about Home Trust's Visa but a lot of people there say they're being denied after applying (with good credit, good income).
WTF?! Where did you learn about that?

[CivicBlues]

https://www.rewardscardscanada.com/chase-canada-closes-applications-amazon-ca-rewards-visa/

Has Chase Completely Withdrawn Its Credit Cards from Canada? - GreedyRates (http://www.greedyrates.ca/blog/has-chase-completely-withdrawn-its-credit-cards-from-canada/)

https://forums.redflagdeals.com/chase-visa-amazon-grandfathered-april-2017-1160919/

[CivicBlues]

Does anyone have the FIDO card?

FIDO MasterCard Credit Card Review - GreedyRates (http://www.greedyrates.ca/blog/fido-mastercard-credit-card-review/)

I assume it's the same as the Rogers card with the 4% cashback on foreign purchases. But NO Annual Fee

Also, do these cashback balances translate to money credited back at the end/start of the year? Or is it money to be spent on Rogers/Fido purchases? Kinda how Fido Points works.

[Kilinim]

Discontinuation of the Amazon Visa really sucks!

[Thooomas]

Does anyone have the FIDO card?

FIDO MasterCard Credit Card Review - GreedyRates (http://www.greedyrates.ca/blog/fido-mastercard-credit-card-review/)

I assume it's the same as the Rogers card with the 4% cashback on foreign purchases. But NO Annual Fee

Also, do these cashback balances translate to money credited back at the end/start of the year? Or is it money to be spent on Rogers/Fido purchases? Kinda how Fido Points works.

I have one as my travel card! The cashback balances translate to money every January

[neverLift]

With the Rogers you can used the "points"/cashback at any time for Rogers purchases, or once a year as a credit on your statement in January like Thooomas said. You have to call by Dec 1st and ask that your rewards balance be put on your statement, otherwise it just sits there.

cheers

[Nlkko]

It's actually 3% on gas, groceries, and entertainment. 2% on everything else, but once they come in with their devaluation of the card, the effective travel rewards is only like 1.4% or something.

the card is getting nerfed.

nvm i read it again $1 for 140 points from 100 points.

https://forums.redflagdeals.com/bmo-world-elite-mastercard-devaluation-come-jan-15-2018-2114812/

Wow that blows. Loved this card. Fucking dicks....

What's a good travel card now?

[Traum]

So I just found out Amazon is discontinuing their Chase Credit card (no foreign exchange markup).

Any other CC's that provide a similar feature? I read on RFD about Home Trust's Visa but a lot of people there say they're being denied after applying (with good credit, good income).
My Chase Amazon VISA card is about to expire, and I have just received a new card through the mail.

Funny thing is, everything about the new card is exactly the same as my current one (except for the expiration date, obviously). In the accompanying standard letter stuff, it even re-iterated the same 2% cash rebate Amazon purchases, 1% rebate on other purchases, and no forex fees (as before).

Now, I have just applied for the Rogers MC as well, and I think that card's foreign currency purchases are still better than what the Chase Amazon VISA has to offer. After all, 4% rebate - 2.5% forex fees still means I am out ahead with a 1.5% rebate, versus the straight 1% rebate from the Chase Amazon. But it doesn't seem like the Chase Amazon card is going away any time soon -- not for its current customers, at least.

[CivicBlues]

I've never known of a CC card company to drop existing customers. I suppose they are just limiting new ones from Canada from joining for whatever reason.

In any case, I applied for the Fido card (identical to the Rogers' one). 4% cashback sounds good to me :thumbsup:

[Nlkko]

The Fido card should beat it though.

My current combo is MBNA Rewards WE (main), Fido (foreign transaction), Amazon VISA (backup VISA card) and an idle BMO Rewards WE card that gonna get downgraded to a rarely used no-fee card soon.

[subordinate]

couple out there.

Scotia Momentum Visa has annual fee waived and they have 5% back on first 3000, then 3 after that. Solid Card.

[neverLift]

Even with the annual fee (had the card a couple years now), it's still excellent. The extra cashback more than covers the fee compared to the MBNA or other no fee cashback cards.

I use that card for gas/groceries (4%), Rx/bills (2%) & travel (flights/rental cars/hotels - good insurance coverage). Rogers MC @ 1.75% cash back on anything else and any foreign currency transactions (4% back, less 2.5% fee).

cheers

[J.C]

Currently using 3 CCs:

Rogers MC - 4% cashback on foreign transactions (-2.5% conversion fee) so effectively 1.5% cashback on foreign transactions and 1.75% on everything else. Pretty much the daily card, but I currently have a low limit on it, so I keep other cards around.

Chase Amazon Visa - 2% cashback on amazon.ca purchases, 1% on everything else, and no foreign conversion fee. I use this for amazon purchases or when my rogers card is maxed.

Scotia scene - 1% everything. I don't use this anymore, just have it as backup.

[AzNightmare]

couple out there.

Scotia Momentum Visa has annual fee waived and they have 5% back on first 3000, then 3 after that. Solid Card.

Pretty solid benefits. But I've had issue getting the 5% on the first $3000 spendings. Been calling every now and then throughout the whole year, to the point my wife's fed up and doesn't care anymore (so we'll just get our standard 4%).

Takes forever getting through to someone, person on the other line seems to have no idea about the 5% bonus. Be put on hold while transferring to someone that actually sounds like they know what they're talking about. Gives different responses of "credit should appear soon" to "wait a few months".

Then if you call again, you have to re-explain the whole situation again. Gotta explain really slow, cause remember, no one there seems to know about their own benefits. Then this time, the other person says "receive it at the end of the year, or they say a specific month (that's a few months away)".

:fulloffuck:

I think I got the card late last year or early this year. If anyone knows how or when we see this 5% cashback, let me know...

[Chronix]

Need a new mastercard replacement. Any good recommendations? Currently using MBNA one with no annual fee but they dont have cashback anymore

[Teriyaki]

Alaska Airlines if you travel regularly, both within North America and or Asia. Miles are good to use in North America, comes with companion pass yearly to make up for the annual fee. Sign up bonus good for intra Asia business ticket redemption on Japan airlines.

[Harvey Specter]

MBNA Alaska world elite is the only card I use atm and you can also "borrow" at .99%apr for one year.

[Nlkko]

New VISA card: https://www.alterna.ca/Personal/CreditSolutions/CreditCards/Infinite/

120 annual fee
2% on everything
4% on foreign transaction
Trip Insurance.

[twitchyzero]

never heard of them but it sounds very similar to the chase sapphire reserve in the US

damn I already booked most of my next year's trips on existing card

if I go down to the US often, can I use the emergency health insurance on that card even if I don't book a hotel and it's just a day trip?

[Teriyaki]

Zero sign up bonus on the alterna... Didn't look into it but for 4 percent cb on foreign purchases, do they still charge the standard visa 2.5percent fee. If so, that effectively makes it a 1.5 cb

[rocksforsale]

Signed up for 2 new cards a few weeks ago (apparently temporary hit on my credit score but whatever)

1 was the Scotiabank Gold Amex (4x points on gas, grocery, dining&entertainment)
1 was the Scotiabank Visa Infinite (4% cash back on gas, grocery, 2% on drug store and recurring)

Both annual fees are waived for the first year, and i got $100 amazon GC bonus for each card. In addition, the Gold Amex gives $250 worth of points for the first $1000 spent on everyday purchases in first 3 months. While the Visa gives 5% on first $3000 as mentioned by someone above.

My question is: will my cash back/points rewards be redeemable within a year? I plan on cancelling the two within a year since the fee will stop being waived after first year.

Separate note, I currently have the TD Visa Infinite which is the only card i use (3% on gas,grocery,recurring). The annual fee is waived as long as I bank with an all-inclusive debit account. But I will be using the new cards a lot more in 2018.

Before I go on my next trip abroad, I want to get that Rogers card for the foreign currency benefits.

you guys can google "ratehub best credit cards" as they occasionally have good articles.

[Ulic Qel-Droma]

New VISA card: https://www.alterna.ca/Personal/CreditSolutions/CreditCards/Infinite/

120 annual fee
2% on everything
4% on foreign transaction
Trip Insurance.


I’m lookin real hard... where does it say 4% foreign transactions??

[Gh0stRider]

Chase Support
‏
Verified account

@ChaseSupport
3h3 hours ago
Replying to @Gh0strider
Hello, Chase will be discontinuing the Marriott Rewards Visa Card program with Canada. ^AR


FYI, those that have this card.

[twitchyzero]

for existing customers too?
i'm on Chase's Amazon.ca visa and it's been so rumoured so long that the no-forex fee is going away

[Gh0stRider]

New VISA card: https://www.alterna.ca/Personal/CreditSolutions/CreditCards/Infinite/

120 annual fee
2% on everything
4% on foreign transaction
Trip Insurance.
https://www.collabriacreditcards.ca/webres/File/Product_TCs/National/National%20Visa%20Infinite%20Card%20-%20Rates%2C%20Fees%20and%20Terms.pdf

says 2.5% is charged

[Gh0stRider]

for existing customers too?
i'm on Chase's Amazon.ca visa and it's been so rumoured so long that the no-forex fee is going away

That card is shutting down in March 2018

[Razor Ramon HG]

That card is shutting down in March 2018

feelsbadman

https://www.chase.com/online/canada/amazon-ca-home.htm

As of March 15, 2018, Chase will be closing all Amazon.ca Rewards Visa Card accounts. Please update your credit card information for your Amazon.ca account and for any pre-authorized payments before this date.

I'll need a new card for foreign transactions now. Anyone have any suggestions?

[Gh0stRider]

The Amazon VISA? :okay:

https://www.chase.com/online/canada/amazon-ca-home.htm

I'll need a new card for foreign transactions now. Anyone have any suggestions?

https://www.chase.com/online/canada/document/WLC30380_CN_ada-eng.pdf


Important Information:
The Amazon.ca Rewards Visa Card program is ending, and your account is closing on
March 15, 2018.

Thank you for being a valued Amazon.ca Rewards Visa Cardmember. We are writing to notify you that the
credit card relationship between JPMorgan Chase Bank, N.A. in Canada and Amazon.ca is ending and that
Chase will be closing the Amazon.ca Rewards Visa Card program as of March 15, 2018.
Here’s what you need to know about your account
• As of March 15, 2018, you will no longer be able to use your card for new transactions.
• The terms and conditions set out in the Cardmember Agreement for your account will still apply after
your account is closed.
• The annual interest rate on your card will not change once the account is closed.
• Please destroy any cards or cheques you have associated with this account, including any authorized
user cards, after March 15, 2018.
• After March 15, 2018, you will not be able to enroll for a new online account to view your Amazon.ca
Rewards Visa Card information on Chase.ca. If you do not currently have an online account and would
like to access your account online you must enroll for your online account prior to March 15, 2018.
Continue making payments as outlined on your monthly statement
• You will continue to receive your monthly statements until any outstanding balance is paid. You
may either pay your balance in full immediately upon receipt of your statement or continue to make
payments as set out in your statement until your balance is paid in full.
• Update your credit card information for your Amazon.ca account and for any pre-authorized payments
(e.g., cable or utility bills) before March 15th, 2018, if you wish those services to continue.
Changes to your Rewards Program
• You will continue to earn rewards on purchases made before March 15, 2018.
• If you have a rewards balance at the time your account is closed, you will receive a statement credit for
the full amount of your rewards balance.
• You will receive a credit for the balance of your points value calculated on purchases made before
March 15, 2018 at a conversion of $1 = 100 points. If you have between 1 and 100 points, then you
will receive a credit for $1.
Thank you for giving us the opportunity to serve you. If you have any questions about the information in
this letter or any other aspect of your account, please call 1-866-557-7811 or visit Chase.ca/amazon to
learn more.
Sincerely,
Chase

[twitchyzero]

guess I'll be jumping on that alterna for foreign transaction + travel insurance
so is it 4-2.5% = 1.5% rewards?

[Gh0stRider]

guess I'll be jumping on that alterna for foreign transaction + travel insurance
so is it 4-2.5% = 1.5% rewards?

you can get that with the Rogers Platinum card

[twitchyzero]

I will have a look see, I probably don't want anything to do with Rogers though, and if rewards cb is only redeemable towards a monthly bill or hardware it doesn't help

edit: applying for Home Trust Visa, Rogers/Fido MC only redeems annually if you're not with Rogers, and you will get hit with forex fee when you refund stuff outside Canada

[Chronix]

What do you guys thinks of this MBNA rewards card?

https://rewards.mbna.ca/


I had the old one with cashback but they took the cashback out and now charges a $39 annual fee

[bobbinka]

i believe if you have the card from before, it remains $0 annual fee.

only $39 for new card holders

[Nlkko]

I’m lookin real hard... where does it say 4% foreign transactions??

You earn 2% on all purchase and double (4%) on foreign transaction. You are charged 2.5% forex fee so works out to be 4-2.5 = 1.5 % earn.

[Gh0stRider]

You earn 2% on all purchase and double (4%) on foreign transaction. You are charged 2.5% forex fee so works out to be 4-2.5 = 1.5 % earn.

I read of RFD that you need to be a member of that CU

[Chronix]

i believe if you have the card from before, it remains $0 annual fee.

only $39 for new card holders

i see. But didnt they take out the cashback on that card? I remember receiving a letter about it a couple years ago

[bobbinka]

as far as i'm concerned, nothing's changed.

if you're concerned, call in and ask. if you use the car regularly, just log in and see if the transactions are still giving you cash back.

[MG1]

I need a Visa card with no transaction fee for when I shop south of the border. Costco US only takes Visa. Right now I'm using the Amazon.ca Visa card.

I guess I'll just have to open up a bank account in the US and apply for the Costco US Visa card............. or just be all Asian and carry cash!

[JordanLee]

I need a Visa card with no transaction fee for when I shop south of the border. Costco US only takes Visa. Right now I'm using the Amazon.ca Visa card.

I guess I'll just have to open up a bank account in the US and apply for the Costco US Visa card............. or just be all Asian and carry cash!

BMO US Dollar card. Bills you in USD and you can pay cash at any BMO branch. Has a $65 fee but is refunded when you spend over $1000 within a year.

Saves you big time long term vs using a 0% forex card people are talking about here because you can stockpile USD and lock in your rates and not even care about bank rates.

[shenmecar]

This is very comparable to the Amazon.ca Visa.

http://go.hometrust.ca/preferred-visa-ca

• No annual fee

• 1% CashBack with no limits to your total rewards

• No restrictions on where you earn your rewards

• Roadside Assist membership at no extra charge

• No foreign currency conversion surcharges

[Nlkko]

Not many good rewards VISA cards out there compared to Mastercard's portfolio.

[AzNightmare]

This is very comparable to the Amazon.ca Visa.

http://go.hometrust.ca/preferred-visa-ca

• No annual fee

• 1% CashBack with no limits to your total rewards

• No restrictions on where you earn your rewards

• Roadside Assist membership at no extra charge

• No foreign currency conversion surcharges

I just read up about this one too. Do you (or anyone else) have it?
Any issues?

[blkgsr]

ya i need a US visa card now for costco in bellingham

already have a BMO US MC

[68style]

Just got my letter in the mail from Chase saying they're going to end date my Amazon.ca card... assholes... gotta change all my automatic transactions now and figure out which card to get lol... begin re-reading thread in 3...2...1

[Iceman_2K]

Same for my Marriot card - they're ending the card in Canada. No more one free night in a class 5 hotel every year anymore.

[GLOW]

Just got my letter in the mail from Chase saying they're going to end date my Amazon.ca card... assholes... gotta change all my automatic transactions now and figure out which card to get lol... begin re-reading thread in 3...2...1

me too :okay:

[Vansterdam]

This is very comparable to the Amazon.ca Visa.

http://go.hometrust.ca/preferred-visa-ca

• No annual fee

• 1% CashBack with no limits to your total rewards

• No restrictions on where you earn your rewards

• Roadside Assist membership at no extra charge

• No foreign currency conversion surcharges
anyone else have this?

[Gh0stRider]

anyone else have this?

friend applied for that card 2 weeks ago, no reply

[Ch28]

I remember reading about the hometrust card off r/churningcanada and people were saying that it's a hard card to get

https://www.reddit.com/r/churningcanada/

[EvoSpider]

^ Maybe it's due to the huge influx of new applicants since everyone on RFD is applying for the hometrust card

[blkgsr]

anyone have the westjet card?

[Hondaracer]

If I didn’t feel the need to keep a Visa I’d dump visa completely in favor for the Costco MC

Wife and I have a joint account just got our Costco rebate cheque.. $1260

And THEN you get the MC cash back check later in the year..

[Gh0stRider]

https://www.reddit.com/r/churningcanada/comments/7sclyt/chase_cards_are_gone_in_march_whats_everyone/

[shenmecar]

I just read up about this one too. Do you (or anyone else) have it?
Any issues?

No. I applied the day I posted it here. Still haven't gotten a reply.

[TouringTeg]

I have been using the Tangerine Mastercard for a few years now. Pretty decent for no annual fee cash back.

You get 2% back in 3 categories and 0.5 % on everything else. The cash back goes into a Tangerine account and you can transfer it to another bank or apply it against your bill any time.

[Gh0stRider]

My friend thinks he got approved for the Home Trust Visa. He said he got sent a PIN code, but no card yet. It took about a month.

[heleu]

My friend thinks he got approved for the Home Trust Visa. He said he got sent a PIN code, but no card yet. It took about a month.

Hmm...I applied exactly 4 weeks ago. Still nothing in the mail.

[Kilinim]

Hmm...I applied exactly 4 weeks ago. Still nothing in the mail.

I got an email a few days ago saying my application is being processed and I'll be hearing back in 3-4 weeks.

[ForbiddenX]

Does anyone else have the Scotia Reward cards?

We have one from last year where we got a bunch of bonus points, not sure what the best to spend it on?

The only other points we collect is the PC Points and those are pretty straightforward lol use them on groceries and that's all.

[Hondaracer]

Dumping my infinite Avion once my trip i booked with them is over in May uhgg..

70,000 points to pay off $680 of a trip, which, if i had booked through KLM direct, i would have paid $450 less than the Avion price anyways..

card is a joke unless you're constantly booking travel with it

[roastpuff]

Dumping my infinite Avion once my trip i booked with them is over in May uhgg..

70,000 points to pay off $680 of a trip, which, if i had booked through KLM direct, i would have paid $450 less than the Avion price anyways..

card is a joke unless you're constantly booking travel with it

Best way is to transfer Avion out to other points (Aeroplan, BA, etc.)

I don't recommend converting points to pay for trip directly. It never works out in your favor.

[stump]

My friend thinks he got approved for the Home Trust Visa. He said he got sent a PIN code, but no card yet. It took about a month.

i got the same thing. Waiting for the card for over 2 weeks now. Looks like I have a bit longer to wait.

[MG1]

Finally found an alternative to the soon to be dead, Amazon.ca Visa card. The US Costco Visa card by Citi Bank. No foreign transaction fee. They're also making it easier for Canadians to apply. They have an address in Blaine where the card gets shipped to. I didn't qualify on the spot, but I was told they would be getting a hold of me for further processing. 4% cash back on gas purchases up to a limit of $7, 000.00 per year. I don't think I would even get close to that, lol.

2% at Costco and 1% everywhere else that takes Visa. Not bad for what it is. So, I guess I pay in CAD at whatever rate it happens to be at on that day with no transaction fee. I'll ask them that when they call me.

[Gh0stRider]

Hmm...I applied exactly 4 weeks ago. Still nothing in the mail.

Friend said he just got his card today.

Hopefully you get yours soon.

[Teriyaki]

Finally found an alternative to the soon to be dead, Amazon.ca Visa card. The US Costco Visa card by Citi Bank. No foreign transaction fee. They're also making it easier for Canadians to apply. They have an address in Blaine where the card gets shipped to. I didn't qualify on the spot, but I was told they would be getting a hold of me for further processing. 4% cash back on gas purchases up to a limit of $7, 000.00 per year. I don't think I would even get close to that, lol.

2% at Costco and 1% everywhere else that takes Visa. Not bad for what it is. So, I guess I pay in CAD at whatever rate it happens to be at on that day with no transaction fee. I'll ask them that when they call me.

Details on this? Are they accepting applications from Canadians... or do you have a US credit score etc?

[Gh0stRider]

https://www.citicards.com/cards/credit/application/flow.action?app=UNSOL&t=t&sc=GIDC13C7&m=X15D111111W&B=S&ID=3405&uc=GED&ProspectID=PHKZGbm1shsqtx2TXpj43yrkFbXCvBe3&intc=7~7~66~1~PDP~1~CMSDefaultOffer~GIDC13C7X15D11 1111W&pid=520&rCode=T000

https://www.costco.com/credit-card.html


Pretty sure its only for US residents, unless you have a SSN.

[MG1]

Details on this? Are they accepting applications from Canadians... or do you have a US credit score etc?

They really want Canadians to get this card. They worked out a deal with one of those mail forwarding places in Blaine.

In the application, there is a choice of what country you are from.

I've been trying to get this card for quite some time. Every time I apply, they give me free stuff like cooler bags, totes, etc. Today, they gave me a huge tote with freebies inside...... paper towels, bottled water, chocolates, pens, microfibre towel, wipes, etc.



Anyway, if it works out, great!

[shenmecar]

Got the Home Trust Visa. Took about 6 weeks from applying online to receiving the card.

[Infiniti]

Best way is to transfer Avion out to other points (Aeroplan, BA, etc.)

I don't recommend converting points to pay for trip directly. It never works out in your favor.

Not to mention, redeeming for economy class tickets is a poor return on mileage usage

[TypeRNammer]

Gonna try to apply for the Home Trust Visa, see how that goes.

[Hondaracer]

seems like that Costco visa would be a conflict of interest for costco in Canada since they only back MC here..

interesting to see

[roastpuff]

Not to mention, redeeming for economy class tickets is a poor return on mileage usage

Yes, your return is much higher when you book premium class.

Otherwise economy tickets on expensive routes are also a good way to redeem points.

[GLOW]

asides from the US costco card, any other good options for replacing the amazon no-conversion fee credit card?

[twitchyzero]

rogers/fido, and brim is launching one next month

over a month after the HT visa application and not a peep, they said it's still processing

[Ulic Qel-Droma]

Finally found an alternative to the soon to be dead, Amazon.ca Visa card. The US Costco Visa card by Citi Bank. No foreign transaction fee. They're also making it easier for Canadians to apply. They have an address in Blaine where the card gets shipped to. I didn't qualify on the spot, but I was told they would be getting a hold of me for further processing. 4% cash back on gas purchases up to a limit of $7, 000.00 per year. I don't think I would even get close to that, lol.

2% at Costco and 1% everywhere else that takes Visa. Not bad for what it is. So, I guess I pay in CAD at whatever rate it happens to be at on that day with no transaction fee. I'll ask them that when they call me.

wouldn't your bill be in USD???

[blkgsr]

Dumping my infinite Avion once my trip i booked with them is over in May uhgg..

70,000 points to pay off $680 of a trip, which, if i had booked through KLM direct, i would have paid $450 less than the Avion price anyways..

card is a joke unless you're constantly booking travel with it

i want to get rid of mine as well.

just used up all my points last year on some tickets to bangkok.

[chipmunk604]

Got the Home Trust Visa. Took about 6 weeks from applying online to receiving the card.

I read that there is a limit on the number of transactions per day, but I couldn't find it on their site. It doesn't make any sense to have a limit. Can you confirm?

[FerrariEnzo]

What do you guys think of the AMEX Cobalt card? Doesnt include FTF but the reward system looks decent.. Im currently using the BMO Cashback card, which has no Annual Fee, so this BMO card will be back backup if I do get the AMEX Cobalt

https://www.americanexpress.com/ca/en/credit-cards/cobalt-card/?linknav=CA-Acq-CreditCards-CardTypes-TravelRewards-CobaltCard

Monthly fee $10

Up to 30,000 Bonus Points:
In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in purchases on your Card. This could add up to 30,000 points in a year

EARN 5X THE POINTS ON EATS & DRINKS1
From grocery shopping to dining out, earn 5 points for every $1 in Card purchases at eligible restaurants, bars, cafés, and even food delivery in Canada

EARN 2X THE POINTS ON TRAVEL & TRANSIT1
It can be a cab across town, the morning bus, or a weekend hotel stay. Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases

EARN 1X THE POINTS ON EVERYTHING ELSE1
Concerts? Sneakers? Movie tickets? Whatever you’re into, earn 1 point for every $1 in Card purchases on everything else

[BIC_BAWS]

What do you guys think of the AMEX Cobalt card? Doesnt include FTF but the reward system looks decent.. Im currently using the BMO Cashback card, which has no Annual Fee, so this BMO card will be back backup if I do get the AMEX Cobalt

https://www.americanexpress.com/ca/en/credit-cards/cobalt-card/?linknav=CA-Acq-CreditCards-CardTypes-TravelRewards-CobaltCard

Monthly fee $10

Up to 30,000 Bonus Points:
In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in purchases on your Card. This could add up to 30,000 points in a year

EARN 5X THE POINTS ON EATS & DRINKS1
From grocery shopping to dining out, earn 5 points for every $1 in Card purchases at eligible restaurants, bars, cafés, and even food delivery in Canada

EARN 2X THE POINTS ON TRAVEL & TRANSIT1
It can be a cab across town, the morning bus, or a weekend hotel stay. Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases

EARN 1X THE POINTS ON EVERYTHING ELSE1
Concerts? Sneakers? Movie tickets? Whatever you’re into, earn 1 point for every $1 in Card purchases on everything elsehttp://www.rewardscanada.ca/amex-cobalt-review.html

Looks like it's $10 for 1000 points if travel purchase. If other purchase, then it's $7 for 1000 points. Effectively making it a 5% or 3.5% cash back, respectively.

Looks like a great card if you travel a lot

Sent from my Pixel XL using Tapatalk

[Spoon]

Any suggestions on a good travel card that doesn't require me to book through their website? Planning to go on a small road trip. And the hotel I'm staying at can only be booked through their own website.

Only one I can think of is TD First Class Infinite, but I have that already. :(

[roastpuff]

BMO Travel Rewards https://www.bmo.com/main/personal/credit-cards/bmo-rewards-world-elite-mastercard/

Amex Cobalt lets you redeem their points against your balance. https://www.americanexpress.com/ca/en/credit-cards/information/cobalt-card/

[FerrariEnzo]

I just applied for the Home Trust Preferred Visa.. lol.. lets hope I get it soon.. need it for cross boarder gassssssssss!

[BIC_BAWS]

Amex Cobalt lets you redeem their points against your balance. https://www.americanexpress.com/ca/en/credit-cards/information/cobalt-card/

Against your purchases on Travel, but not the whole balance.



Sent from my Pixel XL using Tapatalk

[lilaznviper]

rogers/fido mc changing

https://www.rogersbank.com/en/notification

instead of 4% on foreign its now 3%
not as good of a return than before

[twitchyzero]

LOL rogers gon rogers
just got my HT Preferred Visa....took bloody 7 weeks

[CivicBlues]

rogers/fido mc changing

https://www.rogersbank.com/en/notification

instead of 4% on foreign its now 3%
not as good of a return than before

What in the FUcking hell...did they email this to you? I didn't get any notification yet.

I just got this card too for the 4%...they also reduced CAD cashback from 1.5 to 1.25%...those fuckers

[Gh0stRider]

I just applied for the Home Trust Preferred Visa.. lol.. lets hope I get it soon.. need it for cross boarder gassssssssss!

I submitted application first week of February and still waiting

[Nlkko]

What in the FUcking hell...did they email this to you? I didn't get any notification yet.

I just got this card too for the 4%...they also reduced CAD cashback from 1.5 to 1.25%...those fuckers


They have aew card coming out that's better and no Annual Fee:

Earning Rewards:
- 2% cash back on Rogers (Rogers, Fido) products and services (Rogers/Fido/Chatr bills)
- 1.75% cash back on all other purchases in CAD
- 4% (net 1.5% after 2.5 FX Fee) cash back on purchases made in foreign currencies
- No caps, unlimited cash back

Redemption (Same as Rogers/Fido MC):
- CB can be redeemed once it hits $20
- CB can be redeemed on Rogers/Fido/Chatr products, Shopping Channel purchases, Jays tickets (no single games for some reason), Jays Shop, Rogers Center concessions/parking, etc (unlimited as long as CB is > $20)
- CB can be redeemed against statement balance by calling Rogers, or creating an online request (Has to be requested by Dec 1st of current year, receive credit sometime in Jan of next year)

Other Benefits:
- Extended Warranty
- Purchase Protection
- Out-of-province Emergency Medical
- Trip Cancellation/Interruption
- Car Rental Collision / Loss Damage Insurance

Requirement:
- 80k personal, or 150k household annual income
OR
- Annual 25k spending on your current Rogers/Fido MC

Annual fee and cost:
- NO annual fee

Launch date:
- Late May/June 2018
- If you are approved, you should receive the new Rogers WE by the end of June 15th.

How to apply?
- Call Rogers Bank 1-855-775-2265 and switch over
- Create a service request through online banking
- No credit check if you switch over from your current Rogers/Fido MC
- For new customers, you can try applying for Rogers MC then switch over once you get the card, or simply wait until the card is launched (potential welcome bonus).


You can switch now. I just called in and switch from the current Fido. Easy peasy, no credit check if you already have the Rogers/Fido card and meet 80k income req.

[Kilinim]

My Home Trust Visa app was approved!

[FN-2199]

+1 for the Amex Cobalt. I recently switched from the Amex Gold card to this. It's definitely a card aimed at millennials-- great for travel (despite the 2.5% forex) and good for eating out. In less than six months of ownership, I've racked up points that are enough for some short haul flights in North America.



Against your purchases on Travel, but not the whole balance.



Sent from my Pixel XL using Tapatalk

Incorrect actually.

1000 pts = $10 off for all travel-related items
1000 pts = $7 off for everything else

You can use all of your points to pay off any of the items you charge to your card and can pay your balance almost entirely with points if you wanted to with at the redemption rates above.

Source: me

[roastpuff]

They have aew card coming out that's better and no Annual Fee:


You can switch now. I just called in and switch from the current Fido. Easy peasy, no credit check if you already have the Rogers/Fido card and meet 80k income req.

I tried to switch online but no bueno. They asked to see T4/proof of income lol.

[chipmunk604]

Confirmed that the Home Trust Visa has a 10 transaction limit per day.

[FerrariEnzo]

I only make around 70k'ish so I dont qualify for Rogers MC.. but the Fido doesnt seem too bad...


It pays to pay with Fido Mastercard®.
Earn 3% unlimited cash back rewards on all purchases in foreign currency, both online and abroad.

Coming May 23, 2018: earn 2% cash back rewards on all online and in-store Fido purchases—including your monthly Fido bill.

Earn 1.25% cash back rewards on all other eligible purchases.

Welcome Bonus: Enjoy $25 in Cash Back Rewards on your first purchase within 3 months of receiving your card.

Redeem instantly, anytime, anywhere — simply open the Mastercard® Pay With Rewards™ app on your Fido phone. You can put your cash back rewards toward your monthly Fido bill, or toward Fido goodies like a new phone or cool accessories.

Don’t pay an annual fee.

[BIC_BAWS]

Applied for "The SimplyCash Preferred Card" from AMEX last night. I'm expecting some big spending coming soon, 19" summer tires, coilovers, brakes, and a new bumper, so the cashback bonus is pretty attractive.

$99/annual fee
5% cb on anything for the first 6mo up to $300 ($6000 in 6 months)
2% regularly
2.5% fx rate as usual (but under the promo period, it'd still be effective 2.5% cb)

Started looking at Brim Financial too, and I might switch to that after the first year of AMEX.

[roastpuff]

Applied for "The SimplyCash Preferred Card" from AMEX last night. I'm expecting some big spending coming soon, 19" summer tires, coilovers, brakes, and a new bumper, so the cashback bonus is pretty attractive.

$99/annual fee
5% cb on anything for the first 6mo up to $300 ($6000 in 6 months)
2% regularly
2.5% fx rate as usual (but under the promo period, it'd still be effective 2.5% cb)

Started looking at Brim Financial too, and I might switch to that after the first year of AMEX.

You have to make sure the shops that you go to take Amex though. Many do not.

[BIC_BAWS]

Good point. But I'm probably not going to be shopping locally (online), except for tires. Which has a better chance, of being accepted. I do know a lot of places in the hospitality industry that doesn't take amex tho

Sent from my Pixel XL using Tapatalk

[vixroar]

Superstore and Costco don't take Amex which is a bummer because I do most of my grocery shopping there. At least Safeway does though.

[twitchyzero]

is there a free amex with travel insurance? or any card for that matter

[vixroar]

The PC Financial World Elite has travel insurance

[BIC_BAWS]

AMEX Simply Cash (https://www.americanexpress.com/ca/en/credit-cards/simply-cash/) (NOT preferred) has it for free.

100K travel insurance. Pretty standard. Also has the 5% cb, but only on grocery/gas/restaurants for 6 mo, then 1.25% on everything else. AstulzerRZD can probably give a full review on the SimplyCash.

I'd be inclined to use the PC MC if they offered points for the Mobil stations as well

-insert review-

(I think this will give him a notification??)

[roastpuff]

I'd be inclined to use the PC MC if they offered points for the Mobil stations as well




Do they not? Since they are attached to the Superstores they should give full PC Optimum Points for Mobil as they are still the gas bar.

Be aware that the PCWE MC travel insurance is 8 days unlike a lot of premium cards that have 15 day travel.

[BIC_BAWS]

Do they not? Since they are attached to the Superstores they should give full PC Optimum Points for Mobil as they are still the gas bar.

Be aware that the PCWE MC travel insurance is 8 days unlike a lot of premium cards that have 15 day travel.


Can someone try and tell me? The website states its for Esso only, but Esso is owned by Mobil.

On another note, just got approved for the AMEX card.

[roastpuff]

Can someone try and tell me? The website states its for Esso only, but Esso is owned by Mobil.

On another note, just got approved for the AMEX card.

PC Gas Bar (which is being converted to Mobil) gets you 7 points/liter. That stays as far I know.

https://globalnews.ca/news/4079516/pc-optimum-esso-gas-stations-loblaw-imperial-oil/

[TOS'd]

After applying for the Home Trust card, did anyone get an email that their application went through?

[chipmunk604]

After applying for the Home Trust card, did anyone get an email that their application went through?

I also applied last week and no email. I just took a screenshot at the end.

[Gh0stRider]

most are waiting 7-9 weeks to get their HT card

[supafamous]

I just got my Scotiabank Passport Visa Infinite card - $139/yr but no FX charges and equivalent to 2% cash back (travel points). Handy for me as I spend upwards of $10K/yr in the US for work and work gives me the 2.5% back so it turns out to a huge bargain to have this card.

If you've got the spending habits then this one is pretty nice.

[Nlkko]

I just got my Scotiabank Passport Visa Infinite card - $139/yr but no FX charges and equivalent to 2% cash back (travel points). Handy for me as I spend upwards of $10K/yr in the US for work and work gives me the 2.5% back so it turns out to a huge bargain to have this card.

If you've got the spending habits then this one is pretty nice.

This is inferior to the Rogers WE. It's a category card, only 2% on selected categories.

Earn 2 Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).

[tiger_handheld]

my HT Visa is being April 9 per email notice.
Applied Jan 24.

[supafamous]

This is inferior to the Rogers WE. It's a category card, only 2% on selected categories.

Earn 2 Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).

I didn't catch the category limitations but it's still better than the Rogers card for me b/c of the FX advantages.

That said, I may cancel it after a year - got it mostly b/c I'm doing a lot of travel this year and want the travel perks too. When my travel dials down I'll switch to the Hometrust one.

[Nlkko]

0 fx versus 4% cash back (1.5% net). There's no fx advantage.

[supafamous]

0 fx versus 4% cash back (1.5% net). There's no fx advantage.

Rogers has announced they are changing the cashback to 3% this quarter: https://forums.redflagdeals.com/rogers-platinum-mc-1-75-cb-4-net-1-50-foreign-cb-bad-changes-coming-may-23-2018-1969993/

[roastpuff]

Rogers has announced they are changing the cashback to 3% this quarter: https://forums.redflagdeals.com/rogers-platinum-mc-1-75-cb-4-net-1-50-foreign-cb-bad-changes-coming-may-23-2018-1969993/

He's talking about the World Elite Rogers MC card which is a NEW card, replacing the Platinum as the top dog.

Now includes travel insurance, car rental insurance and the old pre-nerf cash back (1.75%, 4%) for $0 annual fee.

$80k/150k income requirements.

Rogers World Elite MC (2% Rogers, 1.75% other CDN, 4% - net 1.50% Foreign) - Coming June 2018!! - RedFlagDeals.com Forums (http://forums.redflagdeals.com/rogers-world-elite-mc-2-rogers-1-75-other-cdn-4-net-1-50-foreign-coming-june-2018-2179733/)

[Nlkko]

Even with the watered down card, you still earn .5% net (3-2.5) compare to 0%.

[supafamous]

He's talking about the World Elite Rogers MC card which is a NEW card, replacing the Platinum as the top dog.

Now includes travel insurance, car rental insurance and the old pre-nerf cash back (1.75%, 4%) for $0 annual fee.

$80k/150k income requirements.

Rogers World Elite MC (2% Rogers, 1.75% other CDN, 4% - net 1.50% Foreign) - Coming June 2018!! - RedFlagDeals.com Forums (http://forums.redflagdeals.com/rogers-world-elite-mc-2-rogers-1-75-other-cdn-4-net-1-50-foreign-coming-june-2018-2179733/)

Ah thanks. Hadn't seen this one yet (got the Passport Visa before this came out). This one seems like a pretty good AIO card for me - I have the MBNA WE with 2% but it charges FX fees and before the Scotia Passport I had the Amazon Visa for my non-CAD purchases. I could probably deal with missing the .25% cash back diff between the MBNA WE card (or just keep that too but I like one Visa, one MC).

[AzNightmare]

I've never owned MC before. Is it generally as widely accepted as visa?

[TypeRNammer]

I've never owned MC before. Is it generally as widely accepted as visa?

Yes.

[BIC_BAWS]

I've never owned MC before. Is it generally as widely accepted as visa?I've never owned Visa before, and I've never had any problems with MC. Not sure the big difference between the two either. Most, if not, all places will accept mc if they accept visa. It's either all cc (except amex/union), or no cc.

Sent from my Pixel XL using Tapatalk

[roastpuff]

Costco and No Frills won't do Visa - just MC.

Costco USA only does Visa, no MC.

Odd, I know.

[FerrariEnzo]

Just got an email about my Home Trust Preferred Visa being approved..
now the wait begins for the card to arrive!

[MG1]

Costco and No Frills won't do Visa - just MC.

Costco USA only does Visa, no MC.

Odd, I know.

As of two months ago, Costco US started accepting MC, but only the Canadian Costco Mastercard.

[MG1]

Just got an email about my Home Trust Preferred Visa being approved..
now the wait begins for the card to arrive!

I called Home Trust a couple of days ago and they told me not to believe what social media reports are saying. Takes anywhere from four to eight weeks.

I started the conversation with, "So in what year will I get the card? What if I'm a senior, a veteran, disabled from the ravages of war." She replied with, "Sir, we appreciate what you've done for our country and we respect seniors and those who are disabled, but we treat everyone equally here. We are a small company and we have been overwhelmed by the number of applications in the last few months." She sounded sweet and had the most angelic voice. I said, "Thanks, keep up the good work, and.................. god bless."

Chase, you dun goofed..............

[Gh0stRider]

Just got an email about my Home Trust Preferred Visa being approved..
now the wait begins for the card to arrive!

Man wtf....im at 9 weeks with nothing.

[TypeRNammer]

Man wtf....im at 9 weeks with nothing.

I'm about roughly the same, nothing yet

[Kilinim]

I'm about roughly the same, nothing yet

I was approved March 23rd. Got my card last week.

[MG1]

I guess I’ll get mine in like six months, knowing my luck. My credit rating slipped to 860 something. Applied for so many cards in a short period of time.

[Acura604]

for you former AMAZON VISA card holders, don't forget to call them to ask for a cheque as payout of your rewards balance (if its worth it to you). otherwise, that credit will probably just disappear into the netherworld.

[AzNightmare]

I bought something online with my amazon card and eventually the item never came so I got a full refund back... But the refund probably went to the netherworld. It was something cheap, like $5... So whatever.

[Traum]

If you had bought something before the Chase-Amazon card seized operations, whatever residual amount of rewards would have been applied against your total bill as statement credit. I basically just kept using the card as I would until it was no longer usable. All transactions carried on as expected, and I received my points as statement credit as well.

[striderblade]

Any recommendations for business credit card?

[BIC_BAWS]

Any recommendations for business credit card?Using AMEX Gold Business right now, 25K in points if you spend 6K in the first 3 mo. But double points on 3 suppliers. Only caveat is that it's AMEX's choice of suppliers.

AMEX plat seems to be the ultimate business card - at least in my network.

Sent from my Pixel XL using Tapatalk

[cdizzle]

Using AMEX Gold Business right now, 25K in points if you spend 6K in the first 3 mo. But double points on 3 suppliers. Only caveat is that it's AMEX's choice of suppliers.

AMEX plat seems to be the ultimate business card - at least in my network.

Sent from my Pixel XL using Tapatalk

I referred myself to the Amex Gold Business; FYF and the CSR I spoke to confirmed it was 40K points after 5K in 3 months.

[MG1]

If you had bought something before the Chase-Amazon card seized operations, whatever residual amount of rewards would have been applied against your total bill as statement credit. I basically just kept using the card as I would until it was no longer usable. All transactions carried on as expected, and I received my points as statement credit as well.

I had a credit of $5.18. I called and they said they will issue a cheque. The cheque arrived in three days. Don't let them steal your hard earned money. Imagine how much they will have if everyone just let it slide.

I was totally prepared to fight for my money. I told the gal on the other end, "That's it? I don't have to yell at anybody?" She goes, "No sir, I'm glad you didn't have to." It sounded like she had a rough day. She knew right away what the call was about. I guess a lot of people were/are in the same boat.

[twitchyzero]

I bought something online with my amazon card and eventually the item never came so I got a full refund back... But the refund probably went to the netherworld. It was something cheap, like $5... So whatever.

you just can't use your card...your balance is still active and you should be getting refunds

[AzNightmare]

I guess I'll have to call in for a cheque.

[twitchyzero]

I had a credit of $5.18. I called and they said they will issue a cheque. The cheque arrived in three days. Don't let them steal your hard earned money. Imagine how much they will have if everyone just let it slide.

I was totally prepared to fight for my money. I told the gal on the other end, "That's it? I don't have to yell at anybody?" She goes, "No sir, I'm glad you didn't have to." It sounded like she had a rough day. She knew right away what the call was about. I guess a lot of people were/are in the same boat.

after overhead like cheque processing and postage they might be losing money sending your $5 cheque lol

if it really mattered I would've just subtracted $5 paying your bill or ask for a direct deposit

my experience with the Scotiabank reps are pretty good...but you can hear it in their voice after the card closed it's caused them quite the burden haha

[MG1]

Um, I paid exactly what was on the written statement and on-line balance. The five bucks was from rewards points they figured out afterwards. Not my fault they were............... nuff said. I think they were “banking” on people to not bother, gulolol.

[Nlkko]

They are not legally allowed to keep your money. If you don't request the cheque, it will be there forever for redemption, either with the company or when enough time has passed, turned over to the government.

They could care less if you redeem or not.

[MG1]

http://i204.photobucket.com/albums/bb75/89blkcivic/RS%20Bull/IMG_4677.1.jpg

$100.00 Canadian Costco Cash Card that I purchased at the Willingdon Costco using my PC Mastercard. This was like three days ago? I could have used the Costco Mastercard to purchase it, but I don't think you get cash back on cash cards. I figured PC Mastercard would not know it was a cash card purchase, which means I get 1% cash back, lol.

Anyway, I went to the pump at the Bellingham Costco today and just put the gas card into the slot. Didn't even put my Costco Membership Card in. It recognized it and the above showed up on the screen. No transaction fee, by the looks of it. It's what the exchange rate was at the time of sticking the card in.

It's the best way to avoid transaction fee until the fricken Home Trust card shows up in two years, gulolololol.

For those who have a Mastercard that gives you more in the way of rewards and you shop at a US Costco a lot, this might be worth looking into.

[twitchyzero]

did you try it in-store and not just at the pumps?

[MG1]

did you try it in-store and not just at the pumps?

yes............ used it all up and had to pay the remainder with cash that I got from the casino @0.78. I exchanged 300 CAD in anticipation of getting a US Costco cash card, but realized later that it was a better idea getting a Canadian Costco cash card, because I would at least get some kind of cash back for it. Even if it is 1%, lol.



I only filled up with 30.00 USD of gas, 'cause I drive an electric car around town. I have three full jerry cans at home. If I didn't go to Bellingham, I wouldn't need any gas, hee hee. US casinos and their second hand smoke. What can I say? I'm addicted.



EDIT: I just realized why you asked. I used my regular membership card to get in. I'm not sure if the cash card will get you in. You'll probably need the membership card at the check out lanes, too. Hmmmmmmm............ maybe me try next time.

[BIC_BAWS]

PSA for anyone that has a 0% forex card, uses paypal frequently, but didn't know about this.

Paypal charges exuberant currency exchange fees, while the conversion fee is 2.5% like many other cards, however, the way Paypal selects its exchange rate is different than mc/visa.

On default settings, Paypal will "help you" convert a foreign transaction into USD, and then charge your cc. This means that even if you have a 0 forex card, you'll be charged a forex fee via Paypal.

The only way to avoid this is to select currency conversion option (either your cc or paypal):
- Log in -> Click on "Settings" (Gear Icon) -> Click on manage "Payments" -> Click on "Manage per-approved payments" -> Look on the left side of the page and click on "manage per-approved payments" -> Click on "Set Available Funding Sources" -> Click on "Conversion Options" -> Select "Bill me in the currency listed on the seller's invoice." and submit.

Hope this helped someone!

[twitchyzero]

I always forget how to find that option when I get a new card, so I select it each transaction instead of just taking 30 seconds to set it up haha

[TOS'd]

I finally heard back from Home Trust, asking for additional information to process my application. Anyone else get this?

[chipmunk604]

I finally heard back from Home Trust, asking for additional information to process my application. Anyone else get this?

Yeah, I got an email today to submit 3 pieces of document.
1) DL/passport, 2) An expense bill, 3) Credit card statement

[twitchyzero]

mine took 7 weeks (applied around Jan 25th)
no e-mails, nothing, not even an application confirmation
didn't submit any additional docs
first the PIN code was sent, then the card a week or so later

[Gh0stRider]

I finally heard back from Home Trust, asking for additional information to process my application. Anyone else get this?

Got that today

[herman]

I finally heard back from Home Trust, asking for additional information to process my application. Anyone else get this?Application confirmation was the only email communication from HT. PIN and CC arrived this month.

[twitchyzero]

sounds like they're tightening up, whoever can't get those documents in a timely manner will probably just get dropped or even further backlogged

even if you get the card you can practically forget about any customer service in the immediate term...I haven't even gotten my first statement and gave up on the phone call 30 min in....just used Visa Online to check my balance

[MG1]

Yeah, I got an email today to submit 3 pieces of document.
1) DL/passport, 2) An expense bill, 3) Credit card statement

Sounds Phishy to me...........

The more I hear about these people, the more they sound like a "fly by night, mickey mouse" organization, and I'm using that term lightly, LOL.

[FerrariEnzo]

I got my pin code from Home Trust... woot.. waiting for that card now.. cross board gasssss.. I can almost smell you..

I never got any thing about asking for more info.. just filled out the application

[blkgsr]

why not just go get gas now? you're really ok spending 50% more now for fuel to save 3% transaction fee?

[JordanLee]

why not just go get gas now? you're really ok spending 50% more now for fuel to save 3% transaction fee?

^What he said.

You guys are still getting dinged on the banks foreign exchange for that specific day. If youre willing to go through that HomeTrust deal headache you may as well spring for the USD BMO card and pay the $65 fee but get it back for free after $1000 spend. I just pay off the US balance every month in person. Lets you load up buying USD at cheap rates too.

Alternatively you can sign up for a Banner Bank US Mastercard in Blaine too, but would require you paying the bill in Blaine once a month. Might not be as convenient.

Lastly, the Scotia Visa Passport Visa is a 0% forex fee too, 139 AF but spend 1000 in 3 months and get $250 in travel points back. Heres a tip, apply that 250 towards a hotel on Priceline that offers 100% refunds, wait til statement comes in and deducted, then refund the hotel and bam you just knocked off $250 off your next statement. Essentially youre up $111 if you spend $1000 in 3 months, and still get the 0% benefit.

http://www.scotiabank.com/ca/en/personal/credit-cards/visa/passport-infinite-card.html

[twitchyzero]

Sounds Phishy to me...........

The more I hear about these people, the more they sound like a "fly by night, mickey mouse" organization, and I'm using that term lightly, LOL.

your casino cash/Costco gift card is working well
why mess with a winning formula OpieOP

[MG1]

your casino cash/Costco gift card is working well
why mess with a winning formula OpieOP

god bless..............

[blkgsr]

^What he said.

You guys are still getting dinged on the banks foreign exchange for that specific day. If youre willing to go through that HomeTrust deal headache you may as well spring for the USD BMO card and pay the $65 fee but get it back for free after $1000 spend. I just pay off the US balance every month in person. Lets you load up buying USD at cheap rates too.


this is what my wife and i have, she used to work for BMO (her aunt still does) so we get USD at employee rate

only shitty thing is US costco doesn't take MC only VISA

[FerrariEnzo]

Well.. My HomeTrust Visa just came in.... Didnt really have to wait all that long.. As long as it came in before Aug is fine.. lol I have a trip to disneyland coming up.. haha

[MG1]

I just got my e-mail that the Home Trust Visa was approved. That was faster than I thought, lol.



EDIT: I reread the e-mail. It stated, approved and card has been mailed.

[Acura604]

Got my hometrust a few days ago..it didnt really take that long at all but definitely longer than your typical bank/rbc/bmo card.

[FerrariEnzo]

Got mine last week.

I hate the fact that you cant change PIN on it..

[ray666]

for the people who are telling us "it didn't take that long," do you mind actually saying how long it took?

[TOS'd]

Did anyone who submitted the extra 3 pieces of required info get theirs yet? Or an email saying its on its way?

[FerrariEnzo]

for the people who are telling us "it didn't take that long," do you mind actually saying how long it took?
about 1month for me

[Vansterdam]

think it took like 2 maybe 2.5 tops

[Coren]

got the approved and its being mailed email in about 3 weeks

[Gh0stRider]

Still waiting for the motherfucking Hometrust Visa. 12 weeks now.

[FerrariEnzo]

Still waiting for the motherfucking Hometrust Visa. 12 weeks now.

maybe try to contact them? its weird how some got theirs earlier then you after applying after you..

[Gh0stRider]

maybe try to contact them? its weird how some got theirs earlier then you after applying after you..

I reached out to them via twitter. I will call them on Monday

[MG1]

Well, I received the PIN in the mail, but no card yet.


BTW, I applied on the 14th of May or there abouts.

[chipmunk604]

Did anyone who submitted the extra 3 pieces of required info get theirs yet? Or an email saying its on its way?

I got an approval email a couple days later after submitting 3 pieces of required info. A week later, now today, I received my Pin code and it says my card should arrive within a week.

[TOS'd]

New card out, Brim Financial. No foreign transaction fees, basic card has no annual fee. Free WiFi hotspot membership. Anyone heard of this company before?

[BIC_BAWS]

New card out, Brim Financial. No foreign transaction fees, basic card has no annual fee. Free WiFi hotspot membership. Anyone heard of this company before?

Never heard of until I read it on reddit and RFD. I actually went to begin my application process, but I applied for the 5% cb on anything AMEX card instead.

Brim will likely be my main card next year when I cancel my AMEX card, for the no FX fee benefits.

There's a member here who actually finished the process for Brim.

[Gh0stRider]

I called HT, they said thay have all my submitted docs and will "escalate" my application and that I should hear back soon.

[Armind]

Thoughts on getstack.ca? Their card looks pretty slick but.....

[jackmeister]

Never heard of until I read it on reddit and RFD. I actually went to begin my application process, but I applied for the 5% cb on anything AMEX card instead.

Brim will likely be my main card next year when I cancel my AMEX card, for the no FX fee benefits.

There's a member here who actually finished the process for Brim.

:yuno:

Brim Mastercard - No-Fee Foreign Exchange Card! - Page 42 - RedFlagDeals.com Forums (http://forums.redflagdeals.com/brim-mastercard-no-fee-foreign-exchange-card-2169126/42/#p29270209)

Sounds shady af

I would suggest Rogers MC for no-fx cc (technically 2.5% fee but 4% cashback).... at least the chances of Rogers going down is a lot smaller than some shady ass financial company.

[BIC_BAWS]

I would suggest Rogers MC for no-fx cc (technically 2.5% fee but 4% cashback).... at least the chances of Rogers going down is a lot smaller than some shady ass financial company.

Yeah but my company pays for my phone bill. So the CB on Rogers/Fido card is useless, because afaik it applies as Rogers/Fido points?

[Traum]

Yeah but my company pays for my phone bill. So the CB on Rogers/Fido card is useless, because afaik it applies as Rogers/Fido points?
Not true -- you can apply the points to whatever purchase you designate. Last time when I did it, I went to the points / rewards section of the page, changed a setting somewhere that says "Apply points to my next purchase". Then I ran my purchase through, and voila~ The points gets applied to that next purchase I did.

According to the Rogers website, you can also retroactively apply points to a purchase that you have already made, but I haven't tried that yet.

Also, a note to point out regarding jackmeister's comments on the no-fx cc (technically 2.5% fee but 4% cashback) -- bear in mind that they are watering down this perk into something that is no longer very meaningful some time in late May. Instead, the same perk (2.5% fee + 4% cashback) is reserved for their higher tier card that requires some sort of high income. This makes the Rogers MC no longer attractive, which is why people are saying they want the HT VISA instead.

[CivicBlues]

Has anyone switched to the "high income" Rogers/Fido Mastercard yet? I've yet to call in to ask for it but I'll probably do it this week.

Is anyone using it right now? Did you keep the same CC number?

[Nlkko]

Has anyone switched to the "high income" Rogers/Fido Mastercard yet? I've yet to call in to ask for it but I'll probably do it this week.

Is anyone using it right now? Did you keep the same CC number?

I'm using the old one while waiting for the new card.

The bonus rewards activates sometimes late May and you get a new card in June. It is a different number.

[Nlkko]

Yeah but my company pays for my phone bill. So the CB on Rogers/Fido card is useless, because afaik it applies as Rogers/Fido points?

You can request statement credits for the points once a year.

[MG1]

Well, I forgot to check the mail on Wednesday. The Home Trust Visa arrived!

[Gh0stRider]

You SOB! :P

[donot521]

Tried to use the home trust card the first time today and found out......CAN'T TAP! God damn, I need to tap that shiet

[twitchyzero]

can we change the PIN on that yet?

[FerrariEnzo]

Nope.. you can not change pin.. HomeTrust doesnt have the ability once the card is made.
Already called them the week after my card came in

[MG1]

So, used the Home Trust today. Went to Trader Joe's. First time using the card. Put the card into the chip reader and boom, instant approval.......... no PIN, nada.

Then, I go to Fred Meyer. Did same, but this time, it asked for the PIN. I got it wrong the first time, lol. Second time, I did it right. Next, Costco gas...... had to punch in PIN. Went into the warehouse and same as Trader Joe's, no PIN required.

Anyway, so glad it all worked out. So, in a nutshell, FUCK YOU, Amazon/Chase! Hee hee, hue hue, pew pew.

[twitchyzero]

read that the ability to change PIN was coming...but knowing them they're probably still swamped with apps

[Slifer]

Sorry, whats with all the hype on this Home Trust Visa again?

[twitchyzero]

the only no annual fee, real no foreign exchange fee card when amazon chase closed...but now there's also brim

[AzNightmare]

Is Brim new? My friend just told me about it.
Has anyone been using this?

https://brimfinancial.com/features/



edit:
https://www.reddit.com/r/PersonalFinanceCanada/comments/8il11n/stay_away_from_brim_financial/


hmm...... Some people aren't happy with Brim.

[CT10]

Is Brim new? My friend just told me about it.
Has anyone been using this?

https://brimfinancial.com/features/



edit:
https://www.reddit.com/r/PersonalFinanceCanada/comments/8il11n/stay_away_from_brim_financial/


hmm...... Some people aren't happy with Brim.
There's a 125 page on RFD of people bitching about BRIM and asking for unreasonable verification process...

[eRiceIT]

what's a good cc for the states?

[TypeRNammer]

After months of waiting, my home trust visa finally arrived!

[Gh0stRider]

After months of waiting, my home trust visa finally arrived!

Lucky you.

Might just go for another card since mine probably wont come until 2019 at this rate.

[MG1]

Lucky you.

Might just go for another card since mine probably wont come until 2019 at this rate.

I wAnder why your approval is taking so long. It's like the millions of Canadians who applied for this card were approved in alphabetical order and your last name starts with a "Z".

And what's with this three pieces of additional ID nonsense?

Not trying to rub it in or anything..............:ilied:

,but I got mine way sooner than I thought. Maybe that call to the chick did the trick........... hey that rhymes, I'm a poet and I didn't even know it.

Maybe it goes by age. You know........ give it to the elderly, 'cause they gonna die soon, anyway - give 'em something to cheer about before they kick the bucket, gulolol.

You too young and good looking, my friend.

[TOS'd]

I got my pin the other day, just waiting on the card. :alone:

[Gh0stRider]

I wAnder why your approval is taking so long. It's like the millions of Canadians who applied for this card were approved in alphabetical order and your last name starts with a "Z".

And what's with this three pieces of additional ID nonsense?

Not trying to rub it in or anything..............:ilied:

,but I got mine way sooner than I thought. Maybe that call to the chick did the trick........... hey that rhymes, I'm a poet and I didn't even know it.

Maybe it goes by age. You know........ give it to the elderly, 'cause they gonna die soon, anyway - give 'em something to cheer about before they kick the bucket, gulolol.

You too young and good looking, my friend.

Haha...I have no idea. I fucking hate them right now lol.


Should I submit a new application?:badpokerface:

Edit:
applied for the scotia passport visa, instant approval.

[jing]

Got my Home Trust Visa today, exactly 2 months after application.

The sticker on it with the # to dial for activation was shit though. Peeled it off and it left the residue all over it so I used my wife's nail polish cleaner to try and get it off. I guess it was a little too strong for the coating on the card though so now 90% of the card is a dull finish while the little corner I didn't rub down is glossy. Oops.

[CivicBlues]

Has anyone got the new Rogers Platinum Mastercard in the mail yet?

[Nlkko]

Has anyone got the new Rogers Platinum Mastercard in the mail yet?

Yea, came yesterday. You should have gotten an email telling you when it will come.

[CivicBlues]

Yea, came yesterday. You should have gotten an email telling you when it will come.

I did not get an email....but I logged into my Rogers Bank online account and I noticed the Card Number has changed. I assume this is the new card.

[Nlkko]

Yea it is.

[jackmeister]

I received the new Rogers World Elite last Friday

[CivicBlues]

I received the new Rogers World Elite last Friday

Ah yes, that's what I meant..World Elite. I already have the Platinum one.