[TOS'd]

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

Still waiting for the card... :alone:

[MG1]

Still waiting for the card... :alone:

What the Effing Hell?

Is your credit rating lower than a black man's junk?



Edit: nvm, I got you confused with the other guy who's still waiting for his card, lol.

Gh0stRider, hee hee

[Gh0stRider]

Got no pin or card lol

My credit is excellent

[Gh0stRider]

After 4 months, i got my approval letter LOL

[MG1]

What you gonna do when you finally get it?

I know............. get Frip to bless it.

[ray666]

Here's my time line for the Home Trust Visa Card.
May 5: Application
May 28: Asked via email to send verification document
June 11: Received email stating my card had been mailed out.

[Gh0stRider]

What you gonna do when you finally get it?

I know............. get Frip to bless it.

Throw it in my drawer:badpokerface:

[tiger_handheld]

to those getting the HT Visa - there is a 10 transaction a day limit. found this out when transactions declined while out of town.

Any other no fx fee cards out there?

[Gh0stRider]

to those getting the HT Visa - there is a 10 transaction a day limit. found this out when transactions declined while out of town.

Any other no fx fee cards out there?

yes, if your willing to pay an annual fee

[tiger_handheld]

If anyone is looking for a unlimited transaction no f/x fee card - Brim Financial is offering. The card is no-annual fee.

The Home Trust Visa has a 10 transaction per day limit with unchangeable PIN.

keeping with policy, providing both non-referral and referral link for you choice

Referral link - https://brimfinancial.com/signup/?code=11840
*I will receive 10,000 points if 5 people activate using above link*

NON-REFERRAL LINK - https://brimfinancial.com

[BIC_BAWS]

If anyone is looking for a unlimited transaction no f/x fee card - Brim Financial is offering. The card is no-annual fee.

The Home Trust Visa has a 10 transaction per day limit with unchangeable PIN.

keeping with policy, providing both non-referral and referral link for you choice

Referral link - https://brimfinancial.com/signup/?code=11840
*I will receive 10,000 points if 5 people activate using above link*

NON-REFERRAL LINK - https://brimfinancial.comRFD thread has 110pages on Brim, and not one person has gotten the card. I brought this up a few pages back, and was quickly informed that it could be no more than just vapor ware

Sent from my Pixel XL using Tapatalk

[MG1]

Update, Gh0stRider?

:troll:

[Nlkko]

If anyone is looking for a unlimited transaction no f/x fee card - Brim Financial is offering. The card is no-annual fee.

The Home Trust Visa has a 10 transaction per day limit with unchangeable PIN.

keeping with policy, providing both non-referral and referral link for you choice

Referral link - https://brimfinancial.com/signup/?code=11840
*I will receive 10,000 points if 5 people activate using above link*

NON-REFERRAL LINK - https://brimfinancial.com

It's a scam. Read the RFD thread.

[Gh0stRider]

Update, Gh0stRider?

:troll:
Got my PIN last week, still waiting on the card :yuno:

[keifun]

Got my PIN last week, still waiting on the card :yuno:

I got my PIN today; let's see if I get my card before you do:lawl:

Also, it was just under a month ago since I applied.

[donot521]

I have been using the home trust card for the last 2 months, and it has no tap function which I think it's quite convenient to have. And yesterday I couldn't use the card at the McDonald's self kiosk machine. It didn't let me chip, swipe or tap. Weird

[Gh0stRider]

I got my PIN today; let's see if I get my card before you do:lawl:

Also, it was just under a month ago since I applied.

Just got my card today. $7k limit

[MG1]

Wow, nice........... about time, eh?

Only 7K limit???

[twitchyzero]

my credit limit on the HT is quite low like the old amazon visa
my mbna one has 5x the limit

[Gh0stRider]

Wow, nice........... about time, eh?

Only 7K limit???

Im okay with the low limit. Seems like other card holders have low limits as well. Ive got 3 cards over 10k, so i dont really care.

[cdizzle]

For those looking for a No Foreign Transaction fee card, I just came upon this while checking in for my flight.

China Airlines World Mastercard
Free Annual Fee
2500 bonus World Dynasty miles after first purchase in 3 months (airline's own FF mileage)
No Foreign Transaction Fee

Link Here (https://calec.china-airlines.com/dynasty-flyer/fbclp.aspx?lang=en-us)

The card itself is issued by First Bankcard, subsidiary of First National Bank of Omaha. Wikipedia shows that it's the largest private in USA. Personally, I've never heard of it.

[roastpuff]

That's a USA only card, looks like.

[iwantaskyline]

Anyone else get the Rogers World Elite Mastercard? Just got mine in the mail.

It's not a true no FX card but with the 4% foreign transaction cash back it basically is...

[CivicBlues]

^Yup just started using it this month after I had their old Platinum Card (which they downgraded). The forex thing seems to be good, you just have to call in and ask them to cash out your points in January if that's what you want. Otherwise, it's just points to be used on your Rogers/Fido bill I believe.

[Traum]

^Yup just started using it this month after I had their old Platinum Card (which they downgraded). The forex thing seems to be good, you just have to call in and ask them to cash out your points in January if that's what you want. Otherwise, it's just points to be used on your Rogers/Fido bill I believe.
^^ Don't think that is true -- on the credit card website, you can change the rewards setting so that the next purchase will use the reward money you have on the account first -- provided you have at least $20 in rewards. I think you can also back-claimed the reward amounts on any purchases that you have made.

And I think you can do it as often as you want, assuming that you have at least $20 in rewards money each time.

[CivicBlues]

I don't know about that, I spoke to the rep. on the phone, they said if you want you reward points cashback to you at the end of the year you have to phone in every year to do so.

Who knows, I've yet to get the cashback so I'll get back to ya'll in January.

[iwantaskyline]

^I read the exact same thing. You must call in before Dec-January to get your cashback or else you have to wait a full year.

[Nlkko]

You have to call in once a year for the Rogers card to redeem for statement credit. The auto-redeem is for Rogers's products only, i.e. your phone bill.

[impulseX]

Home trust visa....

Got my card today...
Got my pin last week.


Applied for it, probably a month ago at most

[Traum]

You have to call in once a year for the Rogers card to redeem for statement credit. The auto-redeem is for Rogers's products only, i.e. your phone bill.
Folks, just give the website a shot.

In the orange box on the right, click [VIEW & REDEEM NOW]. Then from the new window, click [Pay with Rewards]. And then under your [PURCHASE MINIMUM], click [Enable only for next transaction] or something along those lines. You need to have $20 or more in rewards before you can do this.

[Nlkko]

Yea you try it. It doesn't work for non-Rogers products. Their language is a bit misleading on that site and app.

[Traum]

Yea you try it. It doesn't work for non-Rogers products. Their language is a bit misleading on that site and app.
I tried it and got paid last time when I was ordering some stuff on eBay. I'm coming close to the $20 mark again, so I'll give that another shot soon.

[iwantaskyline]

I noticed Amazon.ca is promoting the zero fx Brim mastercard...

According to a 173 page rdf thread, stay away for now.

Brim Mastercard - No-Fee Foreign Exchange Card! - Page 173 - RedFlagDeals.com Forums (http://forums.redflagdeals.com/brim-mastercard-no-fee-foreign-exchange-card-2169126/173/#top)

[AzNightmare]

Wow, nice........... about time, eh?

Only 7K limit???

:okay:

I think my highest limit is 5k or something.. Not really sure.
I never spent more than like 2K in one shot in my life. lol



I received the new Rogers World Elite last Friday

I guess it's too early to tell, but any issues with it? Anyone else have this card? Rogers is pretty reliable, right?

[Gh0stRider]

Brim said im approved and card is on its way

[FerrariEnzo]

Went to Disneyland using the HomeTrust Visa, was great until I realized that there was a 10 transaction limit.. lmao I was stuck out at the parking didnt know why my card was declined.. had to use my BMO MC for Lyft ride back to the place I stayed... dayum...

[Nlkko]

I have the Rogers W/E card. 0 issues. Low limit though only 10k. Can only redeem statement credit once a year on non-Rogers purchases.

[Traum]

How strict are they on the Rogers World Elite card? (I think) I have a good credit score, but I probably don't meet their income requirement because I'm bum.

[roastpuff]

They're pretty strict. They asked for a paystub when I applied.

[CivicBlues]

I had the previous Fido Card. I just told them I wanted to upgrade when the World Elite came out in June this year. They asked if I met the income requirements, I said yes (I do) and that was it. Nobody asked for any verification.

[roastpuff]

I had the previous Fido Card. I just told them I wanted to upgrade when the World Elite came out in June this year. They asked if I met the income requirements, I said yes (I do) and that was it. Nobody asked for any verification.

I have the Rogers Platinum, and they asked to see proof of income when I asked to get upgraded :pokerface:

[iwantaskyline]

I tried it and got paid last time when I was ordering some stuff on eBay. I'm coming close to the $20 mark again, so I'll give that another shot soon.


How strict are they on the Rogers World Elite card? (I think) I have a good credit score, but I probably don't meet their income requirement because I'm bum.

LOL. So you never even had this card to begin with?

I did the online application and within 3-4 days I got the acceptance email. Nobody called asking for any verification's. Also, as previously stated by numerous people you can only redeem once a year (December) or Rogers/Fido products.

[Traum]

LOL. So you never even had this card to begin with?

I did the online application and within 3-4 days I got the acceptance email. Nobody called asking for any verification's. Also, as previously stated by numerous people you can only redeem once a year (December) or Rogers/Fido products.
I have the card before they watered down the perks, and the applicaiton was a straightforward process. But now that the basic card's rewards are crap, I haven't used it for anything since. I also haven't really looked into upgrading the card into their World Elite version until now.

Gonna find some time to call in and see what happens. Worst case is they turn me down.

[CorneringArtist]

Just got the Home Trust Visa after about 3 weeks. PIN came about 3 business days before the card itself. Wasn't aware that it has a 10 transaction limit, so I guess I have to take it easy when on vacation.

[freakshow]

Am I the only one who can't apply for Brim?

https://brimfinancial.com/amazon-signup

I tried on Safari and Chrome.. after filling out my info and checking the box, nothing happens when I click 'Sign Up'

[JordanLee]

Am I the only one who can't apply for Brim?

https://brimfinancial.com/amazon-signup

I tried on Safari and Chrome.. after filling out my info and checking the box, nothing happens when I click 'Sign Up'

Some credit card application sites arent too friendly if you're using a VPN

[freakshow]

Some credit card application sites arent too friendly if you're using a VPN

No VPN here.. :(

[Gh0stRider]

Just got my BRIM card today

[tiger_handheld]

If anyone is looking for a unlimited transaction no f/x fee card - Brim Financial is offering. The card is no-annual fee.

The Home Trust Visa has a 10 transaction per day limit with unchangeable PIN.

keeping with policy, providing both non-referral and referral link for you choice

Referral link - https://brimfinancial.com/signup/?code=11840
*I will receive 10,000 points if 5 people activate using above link*

NON-REFERRAL LINK - https://brimfinancial.com

I got a address verification request.
Just going to leave this here again.

[Razor Ramon HG]

If anyone is banking with Simplii, I recommend getting their new cashback visa.

https://www.simplii.com/en/credit-cards/cash-back-visa.html

No fee, just have to be a Simplii member. Friend signed up with Simplii just to get this card.

4% off restaurants and bars (10% for four months)
1.5% off gas, groceries, and pre-authorized payments
0.5% off everything else

I plan on using this card exclusively for restaurants. My Dividend Infinite with CIBC is better for everything else.

[ray666]

^^^does anyone know if fast food and coffee shops count as restaurants?

[Traum]

^^^does anyone know if fast food and coffee shops count as restaurants?
Fast food -- definitely. At least McD, A&W, KFC / Taco Bell, Wendy's, Subway, etc. all count as restaurants.

[MG1]

I have a Triangle World Elite Mastercard and it gives me 3% back in Canadian Tire Money for groceries. However, it doesn't work at Walmart and Costco. I also get 4% at any of the Canadian Tire family of stores. 1% everywhere else. The 24 month no interest or fees on purchases over $200 at CT stores comes in handy.

For restaurants, I use the Costco Mastercard. It gets me 3% back at restaurants. That's the only time I use it. I use my PC World Elite at Costco. I get 1% back, which is better than the 0.8 I get from using Costco's own Mastercard, gulolol. For any place that takes it, which is few and far between, I use the American Express Card.

I also have a More Rewards Visa card, a Bay Mastercard and a few others. The More Visa card is pretty much useless. The points you earn are pretty much useless. It's there in case I ever go to Price Smart or Save-On Foods to get 7 times the points.

I would like to get the Simplii Cashback Visa, but I think I've got enough credit cards. 10% for for months of restaurants and bars, and 1.5 % in groceries sounds really good. Argh........

Oh, the Home Trust Visa is my go to card when shopping in the US.

[MG1]

Just got the Home Trust Visa after about 3 weeks. PIN came about 3 business days before the card itself. Wasn't aware that it has a 10 transaction limit, so I guess I have to take it easy when on vacation.

Has anyone tried calling them prior to going on a vacation to the US? I used to call Amazon/Chase Visa each time I went on a long trip to the US to avoid any declined transactions. I tell them where, when, and how long.

If they know that information, they may increase or even waive the limit???

I haven't been gone for long enough in the US since getting the HT Visa to go over that ten transaction limit.

[68style]

Can’t speak for each company, but phoning in pre-trip has not done much for me before... sometimes they still cut it sometimes they didn’t.

TD never cuts my First Class card no matter what, no idea what their algorithms are, but travelling flags is definitely not one of them lol... CapitalOne or Alaska? Not so much, they don’t even like me buying from foreign websites Alaska (MBNA parent company) cuts m my card every single time I buy from amiami (Japan hobby site) and I have to call in every time, no matter how many notes they put on my account that I frequently buy from there. Gave up and do it through PayPal now, ironically onto the same credit card lol

[TOS'd]

Has anyone tried calling them prior to going on a vacation to the US? I used to call Amazon/Chase Visa each time I went on a long trip to the US to avoid any declined transactions. I tell them where, when, and how long.

If they know that information, they may increase or even waive the limit???

I haven't been gone for long enough in the US since getting the HT Visa to go over that ten transaction limit.

I didn't call when I used my HT card multiple times on vacation, did not have any issues. I did not have a problem with the apparent 10 transactions a day limit or low spending limit.

[Kilinim]

Has anyone tried calling them prior to going on a vacation to the US? I used to call Amazon/Chase Visa each time I went on a long trip to the US to avoid any declined transactions. I tell them where, when, and how long.

If they know that information, they may increase or even waive the limit???

I haven't been gone for long enough in the US since getting the HT Visa to go over that ten transaction limit.

I didn't before I went to Vegas for a weekend. Used the card a few times without issue. I did however get an email citing possible fraudulent activity on my card once I got home for the period I was in Vegas.

[winson604]

Has anyone tried calling them prior to going on a vacation to the US? I used to call Amazon/Chase Visa each time I went on a long trip to the US to avoid any declined transactions. I tell them where, when, and how long.

If they know that information, they may increase or even waive the limit???

I haven't been gone for long enough in the US since getting the HT Visa to go over that ten transaction limit.

There used to be an option online (Capital One) where I can indicate that I'm travelling and about a year ago I noticed it was gone so called them and they said there is no need to anymore.

[yameen]

off topic question. does anyone know if i can pay using my td debit/access card and charge to my us chequing account while i'm in the states or do i need a separate us visa/us debit? thanks!

[m4k4v4li]

a lot of pages to scroll through

looking for a cash back card on groceries / restaurants as that's where majority of my spendings go towards

can anyone sum up maybe top 3-5

much appreciated

[Traum]

a lot of pages to scroll through

looking for a cash back card on groceries / restaurants as that's where majority of my spendings go towards

can anyone sum up maybe top 3-5

much appreciated
No annual fee:

1) Simplii Cash Back VISA -- 4% on restaurants, 1.5% on gas / groceries / drug store, 0.5% on others

2) Tangerine Mastercard -- 2% rebate on up to 3 categories, 0.5% on others . Many of us would appreciate an offer to send you a referral, since both parties would benefit.

Annual Fee:
1) Scotiabank Momentum Visa Infinite - 4% on gas / groceries, 2% on drug store / recurring bills, 1% on everything else

[l2_narain]

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

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

Any updates from this card use? I was thinking of getting it since I go to US frequently and UBER is included in usage.

Also unlimited use unlike the Home Trust Visa which caps at 10 transactions a day.

The Rogers WE MC has 4% cashback but charges the FX fee (usually around 2.5-3%) so 1-1.5% cashback.

The $139 dollar AF is a bit steep but 6 free PP a year is a nice catch. You could do better with other cards or a mix of cards but I just want 1 card (for now..)

[Nlkko]

Get the Rogers WE with no annual fee for foreign spending. No fx card can beat that one.

The Scotia Passport is a shit card. Who pay $139 a year for terrible rewards? Lounge passes are gimmicks.

My current combo is Rogers WE + Amex SCP. Retired the MBNA WE because of the nerf (what a great card that was). Would go with the Rogers WE as a single card but the credit limit is so pathetic I'd have 100% utilization every month.

[l2_narain]

Get the Rogers WE with no annual fee for foreign spending. No fx card can beat that one.

The Scotia Passport is a shit card. Who pay $139 a year for terrible rewards? Lounge passes are gimmicks.

My current combo is Rogers WE + Amex SCP. Retired the MBNA WE because of the nerf (what a great card that was). Would go with the Rogers WE as a single card but the credit limit is so pathetic I'd have 100% utilization every month.

If it was a VISA I would jump on it.

I'm going to cancel my current MNBA Platinum Plus MC since the balance transfers are at a higher rate now and get the ROGERS WE MC.

[l2_narain]

Hey guys,

Any AMEX card to recommend? I was looking at the Starwood Preferred Guest Credit Card from American Express

[twitchyzero]

what's a good replacement for MBNA World Elite? they raised the fee

Has anyone tried calling them prior to going on a vacation to the US? I used to call Amazon/Chase Visa each time I went on a long trip to the US to avoid any declined transactions. I tell them where, when, and how long.

If they know that information, they may increase or even waive the limit???

I haven't been gone for long enough in the US since getting the HT Visa to go over that ten transaction limit.

i called in and was concious about the limit, was able to go over it in LA

I usually carry a backup card on the road anyways

HT is nice in that if they suspect susp activity, they'll e-mail you for verification

[Nlkko]

There is no good VISA rewards card that can match Mastercard's and Amex's products. Visa cards have annual high fee, shit rewards or have lame ass restrictions like Home Trust Preferred. Just look at card portfolio of banks that have strictly VISA like RBC. What a joke.

Amex SPG Starwood used to be a great card but I think that got devalued a few months ago? Anyways most people use AirBnB nowadays... Amex Cobalt and Simply Cash Preferred would my choices.

[roastpuff]

Hey guys,

Any AMEX card to recommend? I was looking at the Starwood Preferred Guest Credit Card from American Express
What do you want it for? Travel, cash back, rewards/exclusivity?

I'm a big fan of the Amex Membership Rewards Gold Card, it's a really good card for travel with great insurance policies. Otherwise the Simply Cash Preferred is a great every day CB card.

There is no good VISA rewards card that can match Mastercard's and Amex's products. Visa cards have annual high fee, shit rewards or have lame ass restrictions like Home Trust Preferred. Just look at card portfolio of banks that have strictly VISA like RBC. What a joke.

Amex SPG Starwood used to be a great card but I think that got devalued a few months ago? Anyways most people use AirBnB nowadays... Amex Cobalt and Simply Cash Preferred would my choices.

The Scotia Momentum Visa Infinite is a pretty good cash back card IMO, especially with the current 10% bonus CB.

Amex SPG got devalued simply because SPG merged with Marriott. What a loss of a great hotel program.

[l2_narain]

What do you want it for? Travel, cash back, rewards/exclusivity?

I'm a big fan of the Amex Membership Rewards Gold Card, it's a really good card for travel with great insurance policies. Otherwise the Simply Cash Preferred is a great every day CB card.



The Scotia Momentum Visa Infinite is a pretty good cash back card IMO, especially with the current 10% bonus CB.

Amex SPG got devalued simply because SPG merged with Marriott. What a loss of a great hotel program.

I wanted the AMEX for the rewards/exclusivity. Another card I was looking at was the American Express AIR MILES Credit Card with no annual fee.

[roastpuff]

I wanted the AMEX for the rewards/exclusivity. Another card I was looking at was the American Express AIR MILES Credit Card with no annual fee.

Air Miles is trash skip that card. Exclusivity/rewards... Amex Platinum is actually very good if you can get past the costs. The business version costs less but has the same perks. Again, recommend the Membership Rewards Gold or Simply Cash Preferred depending on whether you want travel miles (convertible to airline miles which can be great value depending on usage) or cash back. Can usually find FYF deals on those.

Amex Fine Hotels and Resorts is great for hotel perks/benefits, and Amex Travel is very very good. Competitive prices and their call centre agents are 99% competent. I love Amex CS - they really treat you well and go above and beyond.

[BIC_BAWS]

I have simply cash preferred. It helped offset our crappy exchange rate when I was in the promo period - I maxed out on cash back before the time period ended.

5% cb, no complaints here. I used it as the card to buy car parts.

Sent from my Pixel XL using Tapatalk

[subordinate]

I got that new canadian tire card. Free road assistance on the black card, and great benefits/rewards with ct money, and sportschek, marks.

I shop at those stores and figure its' a solid card to have.

I alternate from that and the PC World Elite

[winson604]

I got that new canadian tire card. Free road assistance on the black card, and great benefits/rewards with ct money, and sportschek, marks.

I shop at those stores and figure its' a solid card to have.

I alternate from that and the PC World Elite

Just got the PC World Elite since I shop at Super a lot but what a brutal card to deal with online. Over 2 weeks now and still can't register an account online and reading online there are hundreds of complaints since they swapped to the new site. Some people even reporting it's been months and still can't get back online to view their activity. Call them and all they say is i'm not in the system yet that's why I can't verify? Like wtf really not in the system? I've been using the damn card for over 2 weeks now.

[subordinate]

Just got the PC World Elite since I shop at Super a lot but what a brutal card to deal with online. Over 2 weeks now and still can't register an account online and reading online there are hundreds of complaints since they swapped to the new site. Some people even reporting it's been months and still can't get back online to view their activity. Call them and all they say is i'm not in the system yet that's why I can't verify? Like wtf really not in the system? I've been using the damn card for over 2 weeks now.

I agree with you. I'm a long time member and when the new site came, it's been a pain in the ass.

Sometimes it keeps asking me to verify.

The card is great though, with the points and occasional shoppers drug mart bonus days i.e/ 300 points to 450 redemption. Since signing up, I've probably got about 600? bucks back in points. Since over a year ish.

If you have a family, the PC Insider program at 50% often is great. A friend saved a bunch during a diaper deal they had.

[Ulic Qel-Droma]

SimplyCashTM Preferred Card from American Express

Earn 5% cashback in your first 6 months

2% back thereafter.

its the new cash back card since mastercard lowered their 2% to 1.67%.

[Spoon]

SimplyCashTM Preferred Card from American Express

Earn 5% cashback in your first 6 months

2% back thereafter.

its the new cash back card since mastercard lowered their 2% to 1.75% or whatever it is now.

It's a decent card. But you're forgetting the $99 annual fee and the $300 cash back cap on the 5%.

I actually just demoted the card to the regular cash back card last year before the annual fee hit. For those who are interested, the rebate comes in September, so plan accordingly if don't plan on keeping it long term.

What Mastercard are you referring to that gives 1.75% back? That's not a bad return for things that aren't grocery/gas/restaurants/travel/recurring bills.

[winson604]

I agree with you. I'm a long time member and when the new site came, it's been a pain in the ass.

Sometimes it keeps asking me to verify.

The card is great though, with the points and occasional shoppers drug mart bonus days i.e/ 300 points to 450 redemption. Since signing up, I've probably got about 600? bucks back in points. Since over a year ish.

If you have a family, the PC Insider program at 50% often is great. A friend saved a bunch during a diaper deal they had.

Yup, stuck and can't get past the verify account part but for now I'll let it slide because at the end of the day the reason I got the card was points. I was already earning a lot of points just off of weekly and random in store deals and now it's even crazier. I already earned almost $50 in just over 2 weeks with 4 trips to the store and only 1 of those purchases were over $100, barely too.

[Nlkko]

Rogers RW WE is the one giving 1.75% domestic purchase and 1.5% foreign purchases after fees.

[Ulic Qel-Droma]

It's a decent card. But you're forgetting the $99 annual fee and the $300 cash back cap on the 5%.

I actually just demoted the card to the regular cash back card last year before the annual fee hit. For those who are interested, the rebate comes in September, so plan accordingly if don't plan on keeping it long term.

What Mastercard are you referring to that gives 1.75% back? That's not a bad return for things that aren't grocery/gas/restaurants/travel/recurring bills.

sorry i was wrong. its 1.67%

MBNA world elite cash back. used to be 2% lowered end of last year. and the 99 fee is 120 now.

thats why im switching to AMEX. yeah the 300 dollar cap sucks. but thats 6000 dollars over 6 months. its alright for the average person that spends 1000 bux a month.

but over the long run 2% is a lot vs 1.67%...

[RiceFarmer]

Good credit card to have as an extra for the states or is there any other credit cards that are better?

https://www.rogersbank.com/en/fidoca?utm_source=cheetahmail&utm_medium=email&utm_campaign=Fido-January19-Generic-Pre-Approved&utm_content=EN-ApplyNow&Promocode=7410630004625969&om_rid=Nsg1Gs&om_mid=_BcSJ2VB9wWg5g6

No annual fee
Earn 3% unlimited cash back rewards on all eligible purchases made in a foreign currency3
Earn 2% unlimited cash back rewards on Fido™ products and services charged to your card3
Earn 1.25% unlimited cash back on all other eligible purchases3
Apply now

[rslater]

Any suggestions on a new business credit card.

Annual volume $600,000.
Spread across 7 company cards.
Need a far better online experience then what we currently have.

We have our business credit card with coast capital Desjardin. Currently get 1% back up until $500,000 spent and $40 per card. So we get $5000 back, minus $280.00.

Also issue with Amex is that some of our big purchasers don’t take Amex. I would say Amex potential would be around $150,000 a year.

[BIC_BAWS]

Any suggestions on a new business credit card.

Annual volume $600,000.
Spread across 7 company cards.
Need a far better online experience then what we currently have.

We have our business credit card with coast capital Desjardin. Currently get 1% back up until $500,000 spent and $40 per card. So we get $5000 back, minus $280.00.I have a client that uses strictly AMEX products for business. Both US and Canada. They use AMEX Platinum, Business Gold, Starwood Preferred.

Their annual volume is $900,000 (this year)

Check our r/Churning for ways to maximize the benefits.


Sent from my Pixel XL using Tapatalk

[PeanutButter]

Any suggestions on a new business credit card.

Annual volume $600,000.
Spread across 7 company cards.
Need a far better online experience then what we currently have.

We have our business credit card with coast capital Desjardin. Currently get 1% back up until $500,000 spent and $40 per card. So we get $5000 back, minus $280.00.

Also issue with Amex is that some of our big purchasers don’t take Amex. I would say Amex potential would be around $150,000 a year.

Personally, I would use AMEX when I could, their points system is the most versatile. For the balance, I would consider the Rogers WE at 1.75% cashback or go for BMO Air Miles or CIBC/RBC cards.

With that much purchasing power, you could spread it over multiple cards and get benefits from all of them

[Nlkko]

I haven't worked at a business whose main card isn't an Amex. stick with the proven.

[SFU_wmc]

I know $600,000 - $900,000 may not sound a lot for a business.
But I'm just curious what kind of purchases are you guys putting through?
I would have thought / expect most B2B require payment by cheque or bank transfers?

[XplicitLuder]

Ive been using TD Aeroplan Platinum Visa for the last 2 years or so and tbh I don't think this is the card for me. I wanted a travel card, and I fly on Star Alliance partners about 1-3 times a year so I figured the aeroplan points would be great for me, but ive yet to really used them..i feel like I could have had a diff card for the last 2 years and taken more advantage of them lol Anyone got recommedations? I spend about 1-1.2k a month on the card, and I don't mind paying a fee if its worth it (this one has a 90$ fee I think)

but my dilemma is now what card should I get and what do I really want from the card , since I feel lost as to what I want from it

[rslater]

I know $600,000 - $900,000 may not sound a lot for a business.
But I'm just curious what kind of purchases are you guys putting through?
I would have thought / expect most B2B require payment by cheque or bank transfers?

We have retail cafe’s and a manufacturing arm of our food business. So packaging from all our vendors we pay through Visa, and a good majority of our all bulk ingredients we purchase online so therefore visa. Essentially because so much is purchased online now, less vendors take cheque because the speed is so much faster to place orders.

[BIC_BAWS]

Most vendors that take online payment take PayPal. That's how I usually bypass the no AMEX issue.

Sent from my Pixel XL using Tapatalk

[kr4l]

TD Aeroplan Business and Personal

Wife and I get enough points to fly business class each year for our vacations

[AzNightmare]

Some changes for the Scotia Momentum Visa Infinite card.

It might help some people, it might not.
But the annual fees are also being increased, and that might make me want to switch.

https://travelupdate.boardingarea.com/changes-to-scotia-momentum-visa-infinite-card-starting-august-1-2019/

[Special K]

bump. any good cards lately? We have been using Tangerine for my family and the cash back is pretty low now. I think 0.5%, no annual fees.

Spending: $4000/month on average
Criteria in this priority:
1. Cash back
2. Travel perks

I already have a 1% cash back no annual fee card for my own expenses.

[tiger_handheld]

Any good hotel cards - looking to get hotel nights.
not considering AMEX hotel cards due to poor acceptance.

[DJ Milk]

bump. any good cards lately? We have been using Tangerine for my family and the cash back is pretty low now. I think 0.5%, no annual fees.

Spending: $4000/month on average
Criteria in this priority:
1. Cash back
2. Travel perks

I already have a 1% cash back no annual fee card for my own expenses.
For cash back, the Rogers Bank World Elite Mastercard gives 1.75% cash back. It also gives 1.5% net cash back on foreign currency transactions so it could be used as a travel card. It has no annual fees but have a minimum income requirement of $80K or $150K household.

[BIC_BAWS]

Looks like Amazon's Rewards MasterCard (https://www.amazon.ca/dp/B07MJM4F44?ref_=cacbcc_gw_tkover_en_acq&plattr=CACBCCHROTKD&pf_rd_p=2ceebaac-e382-4945-8fd9-2bea3a3ea8b3&pf_rd_r=8F5FMWEX9KKAMKRP4V1D) is back, with MBNA. Offering 5% CB on the first $3000.00 of qualifying purchases (eligible Amazon purchases, Whole Foods Market, Grocery Stores, Restaurants) on the first 6 months (https://www.amazon.ca/gp/browse.html/?node=19171764011)

After 6 mo:

If you have prime: 2.5% on eligible purchases at Amazon.ca, Whole Foods Market stores in Canada, and foreign currency transactions, and 1% back on all other eligible purchases, if you have Prime.

If you do not have prime: 1.5% back on eligible purchases at Amazon.ca, and Whole Foods Market stores in Canada, and 1% back on all other eligible purchases including foreign currency transactions

Eligible purchases at:


Amazon.ca are: Digital downloads, Amazon.ca Gift Cards, Amazon Prime subscriptions, and eligible items sold by third-party merchants through Amazon.ca’s marketplace
Whole Foods Market stores in Canada: All purchases and online orders picked up at the store.
Foreign transactions: Purchases charged to our Amazon.ca Rewards Mastercard in a foreign currency.

CB is paid out in Amazon points, where 100 pts = $1. Upon reaching 2000pts, a $20 Amazon GC will be issued. Biggest perk for me is the effective no fx fee. CAR PARTS!!!

[DJ Milk]

So it's not a true forex fee free card. They still charge the forex fees of 2.5%, so it will be net zero because you'll get 2.5% back in Amazon points.

Foreign exchange fees are still applicable on all foreign transactions and are determined by the MBNA, a division of The Toronto-Dominion Bank. Please note that the amount of foreign exchange fees may equal or exceed the % back earned on foreign currency transactions.

[HonestTea]

Recently signed up for the AMEX Platinum. Surprised a premium travel card like this, still charges a 2.5% FX fee..

[BIC_BAWS]

So it's not a true forex fee free card. They still charge the forex fees of 2.5%, so it will be net zero because you'll get 2.5% back in Amazon points.Yes, but it's better than nothing. The alternative option is to have a CB card higher than the 2.5% fee, which it's quite hard to find a card with more than 2.5% cb standard and no annual fees.

Sent from my Pixel XL using Tapatalk

[roastpuff]

Yes, but it's better than nothing. The alternative option is to have a CB card higher than the 2.5% fee, which it's quite hard to find a card with more than 2.5% cb standard and no annual fees.

Sent from my Pixel XL using Tapatalk

Rogers Platinum is the only one off the top of my head with no AF and net zero FX fee?

[BIC_BAWS]

Rogers Platinum is the only one off the top of my head with no AF and net zero FX fee?Good point, I don't have Fido/Rogers, so I don't use it.

Sent from my Pixel XL using Tapatalk

[Spoon]

I believe Rogers Mastercard allows you to earn cash back on purchases made in foreign currencies. A forex fee might still be charged, but the cash back is sufficient to cover it to yield a net gain.

[Simplex123]

Good point, I don't have Fido/Rogers, so I don't use it.

Sent from my Pixel XL using Tapatalk

You can apply the cashback on a number of different things now. I am not certain on the categories as they are very broad... but these stores I've made purchases at in the past month were eligible: Cambodian Tire, Landmark Cinemas, Costco, Amazon, Uniqlo.

[DJ Milk]

A lot of people think they need to be a Rogers or Fido client to get the credit card but you don't. You can apply the cashback to anything anytime as long as you have $20 to apply and the transaction is more then $20

[BIC_BAWS]

A lot of people think they need to be a Rogers or Fido client to get the credit card but you don't. You can apply the cashback to anything anytime as long as you have $20 to apply and the transaction is more then $20


Well shit. I applied for the wrong CC then. Rogers/Fido would be the better card, because you can still get 1.25% CB on all other transactions. Whereas Amazon is 0%. And Rogers/Fido has 3% CB on FX, so net 0.5%

[AstulzerRZD]

Some recent cards of mine:

PC World Elite... 3.5% back on groceries and discounts on Mobil gas

RBC WestJet MC... $250 westjet dollars, FYF, and Silver status as promo.

Using WJ Silver, you can challenge Air Canada Altitude 25K which requires 4 segments in 90 days. Benefits of AC 25k include no fuel surcharges on AP redemption.

TD Aeroplan Visa Infinite for the signup bonus that you can use along with that new AP 25k Altitude status

[DJ Milk]

Well shit. I applied for the wrong CC then. Rogers/Fido would be the better card, because you can still get 1.25% CB on all other transactions. Whereas Amazon is 0%. And Rogers/Fido has 3% CB on FX, so net 0.5%

If you qualify for the World Elite version, then you'll get 1.75% CB on everything and 4% CB on foreign currency transactions

[G]

Some recent cards of mine:

PC World Elite... 3.5% back on groceries and discounts on Mobil gas

RBC WestJet MC... $250 westjet dollars, FYF, and Silver status as promo.

Using WJ Silver, you can challenge Air Canada Altitude 25K which requires 4 segments in 90 days. Benefits of AC 25k include no fuel surcharges on AP redemption.

TD Aeroplan Visa Infinite for the signup bonus that you can use along with that new AP 25k Altitude status

What do you mean "you can use along with that new AP 25k altitude status"? The bonus applies to it?

[AstulzerRZD]

What do you mean "you can use along with that new AP 25k altitude status"? The bonus applies to it?

Ah as in, if you did the previous steps (RBC Silver > Aeroplan Altitude 25k status) then the TD Visa Infinite Aeroplan signon bonus would be really valuable since you wouldn't need to pay carrier surcharge within Canada & US

[G]

Ah as in, if you did the previous steps (RBC Silver > Aeroplan Altitude 25k status) then the TD Visa Infinite Aeroplan signon bonus would be really valuable since you wouldn't need to pay carrier surcharge within Canada & US

I thought AP changed the Altitude 25k status? On my dashboard I need a combination of:

Altitude Qualifying Miles (25,000 Miles) or Altitude Qualifying Segments (25 Segments) AND Altitude Qualifying Dollars ($3,000)

:okay:

[BIC_BAWS]

Some recent cards of mine:

PC World Elite... 3.5% back on groceries and discounts on Mobil gas


Does the discount on gas and cashback on gas still work Stateside?

[AstulzerRZD]

I thought AP changed the Altitude 25k status? On my dashboard I need a combination of:

Altitude Qualifying Miles (25,000 Miles) or Altitude Qualifying Segments (25 Segments) AND Altitude Qualifying Dollars ($3,000)

:okay:

Since I have a WestJet Silver status, they were looking for 4 qualifying segments within 90 days for the AP Altitude 25k status challenge

[AstulzerRZD]

Does the discount on gas and cashback on gas still work Stateside?

Not that I'm aware. I have a different set of cards for the US.
Working towards the Chase Sapphire Reserve here.

[Badhobz]

So i havent started xmas shopping yet, but so far ive spent over 90k on my HSBC premier mastercard this year alone. at a lousy 1 percent cash back, i seem to be getting a shitty deal here.
https://i.postimg.cc/xCGcs6VL/Capture.jpg

thinking of switching to points card instead but will they give me a card with at least a 50k limit from the get-go? even if i dont bank with them?

[yray]

So i havent started xmas shopping yet, but so far ive spent over 90k on my HSBC premier mastercard this year alone. at a lousy 1 percent cash back, i seem to be getting a shitty deal here.
https://i.postimg.cc/xCGcs6VL/Capture.jpg

thinking of switching to points card instead but will they give me a card with at least a 50k limit from the get-go? even if i dont bank with them?

better switch over your banking

what if hong kong separates, hongers gonna steal your money :troll:

[BIC_BAWS]

So i havent started xmas shopping yet, but so far ive spent over 90k on my HSBC premier mastercard this year alone. at a lousy 1 percent cash back, i seem to be getting a shitty deal here.
https://i.postimg.cc/xCGcs6VL/Capture.jpg

thinking of switching to points card instead but will they give me a card with at least a 50k limit from the get-go? even if i dont bank with them?

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

I think you can gain a BUNCH of points from doing their AMEX tutorial. Plus you actually qualify for Black card

If not, alternatively Cashback cards from AMEX are fat. 10% CB on first 6 mo, on first $6000, AMEX Preferred (lmk if you want referral for this one).

AMEX will defs give you a high CC limit, they gave my broke ass 20K LOL

[Badhobz]

better switch over your banking

what if hong kong separates, hongers gonna steal your money :troll:

It’s Hong Kong Shanghai Banking Commerce. Plus it’s British owned. So unless the brits go tits up (uhhhh........... likely) then I gotta move all my garbage out. The bullshit banks are only insured for 100k an account.

[Infiniti]

Check out: https://www.reddit.com/r/churningcanada/
Plus you actually qualify for Black card

Isn't it minimum 150k annual spend to qualify for Centurion?

[HonestTea]

Isn't it minimum 150k annual spend to qualify for Centurion?

No lol..it’s much more than that. I put that amount on my plat and nothing, I think it’s easily 250k++

They’ve also upped the annual fee to 5K

[Hondaracer]

Looking to dump my Platinum Avion, Never use it and don’t want to pay the $150 annual fee anymore.

Are there any other Visa reward cards that offer better cash back or point system that include travel insurance for free or a cheaper annual fee?

[Euro7r]

Looking to dump my Platinum Avion, Never use it and don’t want to pay the $150 annual fee anymore.

Are there any other Visa reward cards that offer better cash back or point system that include travel insurance for free or a cheaper annual fee?

I'm kinda on the same boat. I have the RBC Infinite Avion, pay $120 annual fee. Gonna call them before it renews and say I want to cancel, I heard they may just waive the annual fee to keep you.

I also have the mastercard worldelite, annual fee is waived since I maintain that monthly balance in my account. RBC don't offer that fee waived.

[DJ Milk]

Looking to dump my Platinum Avion, Never use it and don’t want to pay the $150 annual fee anymore.

Are there any other Visa reward cards that offer better cash back or point system that include travel insurance for free or a cheaper annual fee?

The big banks all have premium credit card fee waived between $120-$150 if you have their top tier chequing account. TD, CIBC, BMO, and Scotia will waived the monthly chequing account fees if you keep a minimum amount in there. At RBC you still have to pay the monthly chequing account fees. But since you’re looking for a Visa then you don’t have to look at BMO.

[Hondaracer]

Yea we do our baking with Vancity now so may have to look into their cards

[Hondaracer]

I'm kinda on the same boat. I have the RBC Infinite Avion, pay $120 annual fee. Gonna call them before it renews and say I want to cancel, I heard they may just waive the annual fee to keep you.

I also have the mastercard worldelite, annual fee is waived since I maintain that monthly balance in my account. RBC don't offer that fee waived.

I called them up last year and threatened to cancel and they didn’t budge, probably because I never use the card lol

[DJ Milk]

It was gonna happen sooner or later but the Rogers World Elite MasterCard is getting devalued on June 2. You also have to spend a minimum $15K annually or they will downgrade your card to Platinum.

https://www.rogersbank.com/legaldocs/en/change_in_terms_world_elite.pdf

You will earn:• 3% in cash back rewards on all your eligible purchases made in U.S. dollars (previously 4% on all eligible purchases made in any foreign currency)1• 1.5% in cash back rewards on all other eligible purchases (previously 2% on Rogers products and services and 1.75% on all other eligible purchases)

Starting June 2, 2020, Rogers World Elite Mastercard accounts must have an annual minimum spend (i.e. the total of Purchases made, less any Purchase returns) of at least $15,000 posted to the Account during each annual review period in order to maintain your eligibility for the Account. An annual review period commences on August 1st of a year and ends on July 31st of the following year, with the first annual review period commencing on August 1, 2020. If you have not maintained the annual minimum spend during an annual review period, we reserve the right to switch the Account to another Rogers Bank credit card product on or after November 1st in the next ensuing annual review period without any impact to the rewards earned up to the date of the switch. This means that you may lose the insurance coverages and other premium benefits that are exclusive to the Rogers World Elite Mastercard account and that you will be switched to the new card's Rewards program. Accounts open for less than 18 months prior to the end of any annual review period will not need to meet the annual minimum spend requirement for that annual review period. You will retain the full value of your Rewards earned prior to June 2, 2020.

[CivicBlues]

It was gonna happen sooner or later but the Rogers World Elite MasterCard is getting devalued on June 2. You also have to spend a minimum $15K annually or they will downgrade your card to Platinum.

https://www.rogersbank.com/legaldocs/en/change_in_terms_world_elite.pdf

Ok, I can easily spend the 15K a year, but WTF is this Bullshit?

3% in cash back rewards on all your eligible purchases made in U.S. dollars (previously 4% on all eligible purchases made in any foreign currency)

So now we don't get any cash back for foreign currency other than US dollars? That's pretty much the only reason I got this card.

I knew it was too good to last FailFish

Did you get this in the mail? I haven't gotten any notification of this change yet.

[Spoon]

It was gonna happen sooner or later but the Rogers World Elite MasterCard is getting devalued on June 2. You also have to spend a minimum $15K annually or they will downgrade your card to Platinum.

https://www.rogersbank.com/legaldocs/en/change_in_terms_world_elite.pdf

All good things come to an end. Thanks for the heads up. :cry:

[DJ Milk]

Did you get this in the mail? I haven't gotten any notification of this change yet.
No, I saw it on RedFlagDeals yesterday and just finished reading the 20 or so new pages before I posted it here.

It is still a good no annual fee card if you can meet the minimum annual spend to keep the World Elite status. But for many people I don't think that's possible.

https://forums.redflagdeals.com/rogers-world-elite-mc-2-rogers-1-75-other-cdn-4-net-1-50-foreign-changes-coming-june-2nd-2020-2292136/487/#p32170024

[Hehe]

Isn't it minimum 150k annual spend to qualify for Centurion?

250k back in June 2019, not sure if any change.

Nevertheless, it's not about meeting the minimum. People I know of who has Centurion usually spend close to half a mil on average on their Amex alone before being offered one.

But really, it's not exactly a great card other than some bragging right if you don't use the concierge. And it carries a hefty yearly fee. At least 3 persons I know of canceled their Centurion because it simply didn't make sense.

[AzNightmare]

Wow.. that sucks. I just got this card in Dec, lol...

[AzNightmare]

It was gonna happen sooner or later but the Rogers World Elite MasterCard is getting devalued on June 2. You also have to spend a minimum $15K annually or they will downgrade your card to Platinum.

https://www.rogersbank.com/legaldocs/en/change_in_terms_world_elite.pdf

Wow.. that sucks. I just got this card in Dec, lol...

[sonick]

Lol I just got this card too. Cash back on Us only instead of all FX is a deal-breaker. Good thing my euro trip is in May, cancel it after that.

Considering the Scotia passport infinite as a travel alternative https://www.scotiabank.com/ca/en/personal/credit-cards/visa/passport-infinite-card.html

[Spoon]

Went through that RFD thread and still couldn't find a good replacement for the "everything else" category. Any suggestions other than AMEX Simply Cash?

[CivicBlues]

Has anyone used to Rogers World Elite card for Car Rental Insurance abroad?

[Simplex123]

Man that's BS.. 0.5% net for USD transactions and another 0.25% drop for CAD transactions...
Time to wait it out for the next best card or get the Scotia Passport

[bcedhk]

RN
1. CIBC Aerogold (20K Aeroplan points, FYF): main card
2. AMEX Cobalt ($100 GCR rebate): For restaurant/food purchases.
3. Stack Pre Paid Mastercard when I am on vacation or going down to the states.

[jerche]

Umm literally just signed up for the Rogers Elite last week. Still waiting on the card in the mail...ugh

[Vansterdam]

I been using the most basic TD visa for my everyday purchases for years and Home Trust for online.

whats the best card atm for everyday use? the cashback is pretty shitty lol

[sonick]

I just signed up for Amex Cobalt for my personal card, as a lot of my individual spending is restaurants.

For my shared card with wife, which is more gas, groceries and FX/travel, it was Rogers WE but now considering Scotia Momentum or Passport Infinite once June rolls around.

[l2_narain]

Scotiabank has an AMEX card with no fxx fee:

https://www.scotiabank.com/ca/en/personal/credit-cards/american-express/gold-card.html?cid=a-25021b-23273c-1348~~scotiabank_gold_american_express_card_SEO~~1 46780970183605&dclid=CMiZo6uO8OcCFQW2fgodB1oB9g

No foreign transaction fees
You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.

5x
eat in & eat out
Earn 5x Scotia Rewards points for every $1 CDN spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.

watch & cheer
Earn 5x Scotia Rewards points for every $1 CDN spent on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.


3x
ride & drive
Earn 3x Scotia Rewards points for every $1 CDN spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.

listen & stream
Earn 3x Scotia Rewards points for every $1 CDN spent on eligible select streaming services.

1x
everything else
Earn 1x Scotia Rewards point for every $1 spent on every other purchase.

[Hondaracer]

Do restaurants even take AMEX? Seems like a useless card in general imo.

[Spoon]

For dining, consider using Simplii. 4% cash back and everyone takes Visa.

Only draw back is I think you need to have an account there (no fees from what I can remember) to apply for it.

[BIC_BAWS]

Do restaurants even take AMEX? Seems like a useless card in general imo.Some do, most don't. Larger establishments like Cactus does, however, I've been noticing that more medium/small places take it now.

Sent from my ONEPLUS A5000 using Tapatalk

[Hondaracer]

In the last 3 years or so the wife and I have gotten over 5k back from the Costco MC

Albeit we shop at Costco a lot and we also spent a bunch on Reno’s etc. However we are also getting our membership fees paid for, the car insurance included in the card are pretty decent, and the value in terms of cash back is sooooo much better than exchanging for flights or gift cards with a card like infinite Avion etc.

[Ulic Qel-Droma]

In the last 3 years or so the wife and I have gotten over 5k back from the Costco MC

Albeit we shop at Costco a lot and we also spent a bunch on Reno’s etc. However we are also getting our membership fees paid for, the car insurance included in the card are pretty decent, and the value in terms of cash back is sooooo much better than exchanging for flights or gift cards with a card like infinite Avion etc.

the costco cashback card is not even that great of a cashback card.

0.5% cash back for the first 3000 bux. 1% after

i believe 2% gas?
and 3% restaurants (the only thing its good for)

but its free, and got your face on it, and dual use membership/MC card.

[G]

Anyone churn for aventura? I used to churn for Aeroplan but thinking of trying something new..

[Hondaracer]

the costco cashback card is not even that great of a cashback card.

0.5% cash back for the first 3000 bux. 1% after

i believe 2% gas?
and 3% restaurants (the only thing its good for)

but its free, and got your face on it, and dual use membership/MC card.

As well, if you dont get enough cash back to justify the executive membership, they will reimburse you the difference

May not be the greatest overall, but when you do your majority of shopping at costco and then using it every time for eating out it adds up

[Simplex123]

As well, if you dont get enough cash back to justify the executive membership, they will reimburse you the difference

May not be the greatest overall, but when you do your majority of shopping at costco and then using it every time for eating out it adds up

Wait - the mastercard doesn't give you executive membership does it?

[TypeRNammer]

the costco cashback card is not even that great of a cashback card.

0.5% cash back for the first 3000 bux. 1% after

i believe 2% gas?
and 3% restaurants (the only thing its good for)

but its free, and got your face on it, and dual use membership/MC card.

This is exactly it, I use the Costco MasterCard exclusively for eating only.

My PC MasterCard World Elite does the rest of the heavy lifting for grocery shopping. ex. Stacking PC optimum points and deals, fill up gas at Mobil 1 stations (not at esso cause it has a terrible return rate)

And then there's the home trust visa for international purchases

[Traum]

And then there's the home trust visa for international purchases
Someone told me Home Trust has neutered their card for international purchases, but I have been too busy to look into the details.

Anyone care to give us a quick Coles notes version of it?

[headhunt3r]

Someone told me Home Trust has neutered their card for international purchases, but I have been too busy to look into the details.

Anyone care to give us a quick Coles notes version of it?

Old:
- 1% cash back on everything
- no fx fee for foreign transactions

New:
- 1% cash back on Canadian purchases
- 0% cash back on foreign transactions
- still no fx fee

That's my understanding.

[Hondaracer]

Wait - the mastercard doesn't give you executive membership does it?

now that i think about it.. that may just be the general costco policy with the executive membership. If you dont get enough cash back from Costco directly they will reimburse the difference, not MC

[Simplex123]

I just signed up for Simplii with their up to $200 sign up bonus and will be getting their no AF cashback VISA to complement my other cards. 4% on restaurants (up to $5k/year), 1.5% on gas/groceries (up to $15k/year), and 0.5% on the rest. Seems like a nice free card to just have on the side or to use strictly for restaurants.

[Simplii Financial] Simplii Financial: New Client Promo $200 - RedFlagDeals.com Forums (http://forums.redflagdeals.com/simplii-financial-simplii-financial-new-client-promo-200-2352607/)

[Hondaracer]

Does anyone use the Scotia Momentum Visa Infinite?

https://www.scotiabank.com/ca/en/personal/credit-cards/visa/momentum-infinite-card.html?cid=ps_e7872f7d7f983b5734e636060a120f404 4d37f0f&gclid=CjwKCAjwtfqKBhBoEiwAZuesiIr9_NFt-7GAGOcfFf3J8UG-5RIzvwTNld5T_Sb9K0BnTTrgvuixfxoCybwQAvD_BwE&gclsrc=aw.ds

Cash back card, we got a call today from them trying to sell us a CC because we have our mortgage with them, this card seems to be quite a bit better overall than our current everyday card (Costco MC) as a cash back card

Also a much higher initial limit than our Costco MC even though we have been perfect with them amazing credit we can’t get higher than 15k with the Costco card. $120 a year fee waived first year and also the second card would be waived for us upon signup

[OriginalJC]

Does anyone use the Scotia Momentum Visa Infinite?

https://www.scotiabank.com/ca/en/personal/credit-cards/visa/momentum-infinite-card.html?cid=ps_e7872f7d7f983b5734e636060a120f404 4d37f0f&gclid=CjwKCAjwtfqKBhBoEiwAZuesiIr9_NFt-7GAGOcfFf3J8UG-5RIzvwTNld5T_Sb9K0BnTTrgvuixfxoCybwQAvD_BwE&gclsrc=aw.ds

Cash back card, we got a call today from them trying to sell us a CC because we have our mortgage with them, this card seems to be quite a bit better overall than our current everyday card (Costco MC) as a cash back card

Also a much higher initial limit than our Costco MC even though we have been perfect with them amazing credit we can’t get higher than 15k with the Costco card. $120 a year fee waived first year and also the second card would be waived for us upon signup

I use the Scotiabank Momentum Visa Infinite. I also do my banking with Scotia, so my ultimate package chequing account also covers the annual fee. Good card, and the cashback has been higher than the old MBNA cash back card I used to have.

[supafamous]

Does anyone use the Scotia Momentum Visa Infinite?

https://www.scotiabank.com/ca/en/personal/credit-cards/visa/momentum-infinite-card.html?cid=ps_e7872f7d7f983b5734e636060a120f404 4d37f0f&gclid=CjwKCAjwtfqKBhBoEiwAZuesiIr9_NFt-7GAGOcfFf3J8UG-5RIzvwTNld5T_Sb9K0BnTTrgvuixfxoCybwQAvD_BwE&gclsrc=aw.ds

Cash back card, we got a call today from them trying to sell us a CC because we have our mortgage with them, this card seems to be quite a bit better overall than our current everyday card (Costco MC) as a cash back card

Also a much higher initial limit than our Costco MC even though we have been perfect with them amazing credit we can’t get higher than 15k with the Costco card. $120 a year fee waived first year and also the second card would be waived for us upon signup

I'm on it and it's racking up a good chunk of cash back for me - I was previously on the Passport Infinite card which had great travel benefits which became useless circa March 2020 so I switched. Scotia is pretty generous with credit limits - I think I'm somewhere in the 30-40k range no questions asked.

I combine it with a Tangerine World card which lets me pick 3 categories at 2% cash back which covers the stuff the Momentum card doesn't do well - all my restaurant charges go on Tangerine at 2% while the rest goes on the Visa.

[EvoFire]

So CIBC bought up the costco card last month(or was it August?), any rumours whether if the rebates are gonna change?

[winson604]

Does anyone use the Scotia Momentum Visa Infinite?

https://www.scotiabank.com/ca/en/personal/credit-cards/visa/momentum-infinite-card.html?cid=ps_e7872f7d7f983b5734e636060a120f404 4d37f0f&gclid=CjwKCAjwtfqKBhBoEiwAZuesiIr9_NFt-7GAGOcfFf3J8UG-5RIzvwTNld5T_Sb9K0BnTTrgvuixfxoCybwQAvD_BwE&gclsrc=aw.ds

Cash back card, we got a call today from them trying to sell us a CC because we have our mortgage with them, this card seems to be quite a bit better overall than our current everyday card (Costco MC) as a cash back card

Also a much higher initial limit than our Costco MC even though we have been perfect with them amazing credit we can’t get higher than 15k with the Costco card. $120 a year fee waived first year and also the second card would be waived for us upon signup

Can also consider the CIBC DIVIDEND® VISA INFINITE* CARD. I struggled to pick between the 2 when I changed cards a year ago but ultimately chose cibc.

[Vansterdam]

looking for a good cibc card so I can pair it with chevron journie rewards

[winson604]

looking for a good cibc card so I can pair it with chevron journie rewards

See above.

[AzNightmare]

looking for a good cibc card so I can pair it with chevron journie rewards

CIBC Dividends Visa Infinite is a pretty solid card if gas is your priority
4% on gas and groceries

[Hondaracer]

So now looking at it I’m not sure if that card is best for us because we spend so much on restaurants..if that Scotia card had even 2% back on restaurants it would be a slam dunk but now I’m not so sure hmm..

[supafamous]

So now looking at it I’m not sure if that card is best for us because we spend so much on restaurants..if that Scotia card had even 2% back on restaurants it would be a slam dunk but now I’m not so sure hmm..

https://creditcardgenius.ca/best-credit-cards/restaurants

Amex Cobalt then? I'm not an Amex user but I don't seem to see a lot of acceptance of it around here.

[Euro7r]

I have been using a travel rewards points card for the longest time as every year I travel (pre-covid). Now with Covid, don't really know when travelling will be normal again in my life, which has caused me to consider a cash-back credit card going forward. As I have a mortgage with TD now, looking at opening up with their All-inclusive banking plan (monthly fee waived if min balance maintained) + cashback infinite visa card (annual fee waived by having their all-inclusive banking plan). The credit card is offering 6% for first 3 months on all purchases.

[winson604]

So now looking at it I’m not sure if that card is best for us because we spend so much on restaurants..if that Scotia card had even 2% back on restaurants it would be a slam dunk but now I’m not so sure hmm..

Well the CIBC one has 2% in dining, transportation, and recurring payments then 4% in groceries and gas. You can also link the cibc card with chevron and save 3 cents everytime or 10 cents when you get enough points with their program. Which is roughly every 3rd fill up depending on how much your fills are.

[bcrdukes]

Amex Cobalt user here.

Switched based on a referral from Eff-1 and loving every bit of it. Acceptance has grown tremendously over the years. There are some dick bag cities that suck at adopting Amex (Montreal is one of them) but they've really upped their game in growing acceptance with lower fees for small businesses.

Their app has a list of stores/restaurants you can filter out based on your map location so you know where it's accepted so that helps a lot. I like their travel coverage and it has been competitive against my Visa and Mastercard programs. For those of you who enjoy unique opportunities to wine and dinning offers, Amex does a pretty good job of ensuring exclusivity, but you pay for that via monthly fees etc.

Given your tendency to dine out and ball out, Amex is the way to go. I rarely use Visa or Mastercard anymore. Thank goodness I'm on CERB. :D

[Hondaracer]

Hmm I will have to start taking note as to if the places I frequent accept it or not

I feel like Vancouver generally has a fairly low acceptance of Amex..

[winson604]

Hmm I will have to start taking note as to if the places I frequent accept it or not

I feel like Vancouver generally has a fairly low acceptance of Amex..

Cobalt 50K points sign up offer combine with $120 Great Canadian rebates bonus.


https://forums.redflagdeals.com/american-express-amex-cobalt-50000-point-sign-up-bonus-2483484/

[bcrdukes]

Figure out where you you go regularly and see if your preferred vendors accept AMEX or not. Vancouver originally never had the best acceptance rate for AMEX but it has improved significantly. From a business perspective, it would be good to encourage and accept Amex typically because of the clientele it attracts and their specialty in corporate T&E programs.

https://www.americanexpress.com/en-ca/maps?country=CA&near=Vancouver,BC,V6A%203K9&cl=49.27744467388914,-123.08421004023552&ne=49.297263156728405,-123.04072606768608&sw=49.2576182243227,-123.12769401278496

(Make sure you select "Refresh When Map Moves" on the map itself so it will automatically update.)

[68style]

I been using the Alaska reward card from MBNA… its a pay card, but if you’re a dedicated person you can churn it. In Canada it’s run by MBNA but the Alaska points program is run by Alaska Airlines and they don’t talk to each other, just “linked” by your account numbers.

Therefore you can apply and get the 50k points or whatever the current bonus is, you can do your spending etc for half a year or whatever to get the reward and Mayeb not arouse suspicion too much and then cancel and apply again, tell them you already have an Alaska points program and they’ll connect to it and off you go. Within a year you’ll have a “free” flight+ to Japan or whatever on their partner airlines (JAL is one of them) I think I’m almost up to 3 flights worth of points during Covid.

[twitchyzero]

dunno if this is worth mentioning but i can never get through the mbna's policy phone line to ask if their travel medical covers covid because their booklet doesnt mention it

bcaa does so for an extra $20/trip i get that just in case

[68style]

I think with the Alaska card, because it's pay, it goes through a different customer service line... I always get an answer immediately and they're like bending over backwards nice to me. That alone feels worth the cost lol

[Ulic Qel-Droma]

amex cobalt and then use it at price smart or safeway or some other grocery store and buy all your amazon and netflix and apple giftcards there. and whatever other giftcards u need. best buy etc.

[nabs]

amex cobalt and then use it at price smart or safeway or some other grocery store and buy all your amazon and netflix and apple giftcards there. and whatever other giftcards u need. best buy etc.

I've had an AMEX for about 10 years now, the acceptance has grown over the time I have had it. Most of the new machines that small stores have now accept AMEX. I carry a Visa too just in case my Amex is not accepted.

[Rallydrv]

Amex just increased mem fee on gold card. For now it's $150 with $100 rebate, but goes up to $250 next year. Some more perks tho. In general I travel alot, don't care about lounge, as already have with star alliance. Big issue is I have about 300k points that I will need to transfer to aeroplan or other Amex card if they allow. Guess need to call and find replacement.

Amex hands down has best service, for disputes, insurance etc. And barely any hold time when call. However don't get Amex thru bank, as they don't have rebates, buy local (one month a year), front of the line etc.

[twitchyzero]

unfortunately my free card went from no fee to $90 to $120, but yes they have been adding more perks

[Euro7r]

I just applied for a TD cashback credit card for strictly usage for home expenses for myself/fiancee to keep track of. I currently own BMO/RBC/Amex credit cards and they have always been instant approval in the past when I applied for them. For some reason this time around, TD didn't approve instantly and mentioned they need more time to review my information and should receive a decision in 7 - 10 business days.

I haven't had much dealings in the past with TD besides when I was a kid when I had a student account, which I closed like 15 years ago. Is this normal for TD?

[Traum]

When was the last time when you applied for a credit card (before the TD card application)? Was that before or after you've taken on the mortgage for your new apartment?

Assuming that your last credit card application was before you having the mortgage, and now your TD card application is after you have your mortgage, I would not at all be surprised by the delay. Having a mortgage totally changes your credit history. It is only sensible that the banks have to check more thoroughly.

[Euro7r]

When was the last time when you applied for a credit card (before the TD card application)? Was that before or after you've taken on the mortgage for your new apartment?

Assuming that your last credit card application was before you having the mortgage, and now your TD card application is after you have your mortgage, I would not at all be surprised by the delay. Having a mortgage totally changes your credit history. It is only sensible that the banks have to check more thoroughly.

My last credit card was about 1.5-2 years ago before having a mortgage. I applied for this new card after the mortgage. Today they sent me an email and declined to approve, well that's a loss on TD card. I'll just keep using my current credit card, just a bit extra work to split out home expenses that is all. I simply wanted another card to strictly keep home being home, and my personal. Didn't want fiancee/wife to see statement and be like, WTF is this and that I spend on personally lol.

[Hondaracer]

RBC avion is a complete joke and I’m dumping them after this trip I booked through them

Every single time booking travel with them nothing but a headache compared to dealing directly with an airline or vacation operator. And of course their credit card support etc. picks up right away where now I’m at 4 hours+ on hold with the “rewards travel line”

I’ve booked travel now 5 times through their portal and not once has it been smooth

[Traum]

As an additional thing to mention, when I took on the current mortgage for my dump of a house, the Big 5 bank threw in an offer for a credit card that I wouldn't have qualified for, and I have been using it ever since. Perhaps you can go back to your bank's mortgage person and ask them about something similar?
My last credit card was about 1.5-2 years ago before having a mortgage. I applied for this new card after the mortgage. Today they sent me an email and declined to approve, well that's a loss on TD card. I'll just keep using my current credit card, just a bit extra work to split out home expenses that is all. I simply wanted another card to strictly keep home being home, and my personal. Didn't want fiancee/wife to see statement and be like, WTF is this and that I spend on personally lol.

[Euro7r]

As an additional thing to mention, when I took on the current mortgage for my dump of a house, the Big 5 bank threw in an offer for a credit card that I wouldn't have qualified for, and I have been using it ever since. Perhaps you can go back to your bank's mortgage person and ask them about something similar?

I'm thinking to lay low for awhile and then re-attempt this method, since I don't want too many inquiries into my credit history when applying again?? Not sure if it's a myth or fact, too many inquiries into your credit history isn't good?

[Euro7r]

Well a few weeks ago TD declined me on a new credit card. Today I get in the mail one of those "you're pre-approved" for one of their other credit cards.

Okay WTF? Fucking stupid TD time wasters. I applied for a card that had a lower limit and then they send me mail for a higher limit card offer. Makes no fucking sense. When I have time, gonna call and bitch at them.

[CRS]

Well a few weeks ago TD declined me on a new credit card. Today I get in the mail one of those "you're pre-approved" for one of their other credit cards.

Okay WTF? Fucking stupid TD time wasters. I applied for a card that had a lower limit and then they send me mail for a higher limit card offer. Makes no fucking sense. When I have time, gonna call and bitch at them.

Please don't call and bitch at some poor CSR who's just trying to do their job. They have no control over whether you get approved or not. It's a computer algorithm that does it.

[6793026]

Hey, I'm going to pay for a wedding, I want to use the best credit card for the best cash back. What would be ideal?

[BIC_BAWS]

Hey, I'm going to pay for a wedding, I want to use the best credit card for the best cash back. What would be ideal?AMEX simplycash preferred 10% CB on first 4 months, cap is $400 so $4000 of spend. 2% CB following that.

Sent from my SM-G781W using Tapatalk

[HonestTea]

Amex Plat has cashback now..? I've been holding Plat for awhile now, it's just MR.

Edit: If anyone needs an Amex Gold/Plat referral, feel free to PM me.

[BIC_BAWS]

Amex Plat has cashback now..? I've been holding Plat for awhile now, it's just MR.Fixed. Oops brain fried. Don't @ me plat finance bros

Sent from my SM-G781W using Tapatalk

[donk.]

Thanks to this thread, I just went down the rabbit hole of credit cards again.

Currently have RBC cashback 2% groceries and 1% all other with 0 fee.
Looked into the 4% grocery, 2% dining gas and recurring, 1% all else CIBC card, with 120$ yearly fee

After thinking about it and doing the calculations, will probably pocket an extra 200-300$ a year if I change cards, but not worth it for having an extra account, following up on payments, and the overall hassle / convenience

Easier to simply spend 200$ less per year or work a couple more hours and call it a day

[underscore]

I might be getting myself a separate card to use for work stuff (flights, car rentals, etc) just to keep things simple. How do cash back vs points currently stack up? A quick check and a Westjet points card worked out to ~2.3% back but then it's only travel points, whereas cash back I could get 1.5% back and use it for anything.

[HonestTea]

The new TD travel cards seem pretty good. First Class and Privilege; just applied for the Privilege myself for 105K AP

[320icar]

Bump

Y’all following the news? Merchants can now charge us up to 2.4% on our bill to account for processing fee’s. Great! Just what I want to see. So my 2% cash back card is now useless?

https://www.cbc.ca/amp/1.6610356

[68style]

I was eating at home making my own food almost exclusively all week long while working... and food court type stuff on weekends as a "treat"... maybe the odd actual sit down dinner here and there...

But holy fuck recently I been out at a lot of restaurants and the costs are just insane... and yes like was mentioned in another thread the tipping expectations are out of control.

Another 2% on top now too most likely??? Need to get back to making stuff at home, can't sustain the type of expenditures going out for meals consists of now.

[unit]

cash and debit are gonna make a comeback now.
no rewards card can offer 2% back in cashback or equivalent to make up for this.

[EvoFire]

cash and debit are gonna make a comeback now.
no rewards card can offer 2% back in cashback or equivalent to make up for this.

There are cards that offer 3% rewards, so you'll still come out a little bit on top.

Costco card is 3% at restaurants
TD is 3% gas and groceries. Anything else now sounds like a fee for our convenience.

[unit]

yep but usually only for certain categories like you said. also usually the best cashback cards have annual fees, and sometimes they have cashback limits.

vendors still have the option not to charge the fee though, so at least for now they have to opt in. i suspect that eventually most vendors will charge the fee to the customer though.

[bcrdukes]

American Express Cobalt Card, folks. :fuckyea:

[G0rilla]

I was eating at home making my own food almost exclusively all week long while working... and food court type stuff on weekends as a "treat"... maybe the odd actual sit down dinner here and there...

But holy fuck recently I been out at a lot of restaurants and the costs are just insane... and yes like was mentioned in another thread the tipping expectations are out of control.

Another 2% on top now too most likely??? Need to get back to making stuff at home, can't sustain the type of expenditures going out for meals consists of now.

Absolutely insane, I'm seeing most places have tip options starting at 18%, like wtf

[quasi]

From a banks point of view they probably DGAF. Customers like myself and probably many of you who use our credit cards for the rewards and pay them off monthly not paying any interest and only the fees of the card if there are any probably aren't the people they want using those reward cards anyway, we're edging out the house.

The ones who don't pay it off monthly probably won't care or have a choice and continue using the cards because generally a lot of people in that camp are all about, can I make the minimum or a smaller payment to continue living that life I can't pay for in cash and continue kicking the rock down the road. These are the people the bank wants using their credit cards.

I'll start using my debit card more, doesn't really affect me other than I'll lose out on some reward miles.

[bcrdukes]

While I agree (and you are not wrong in any way) you have to keep in mind that the Canadian consumer debt is pretty high, so a lot of these consumers are holding on to debt and paying interest to scrape by and likely, they make up the majority.

[quasi]

While I agree (and you are not wrong in any way) you have to keep in mind that the Canadian consumer debt is pretty high, so a lot of these consumers are holding on to debt and paying interest to scrape by and likely, they make up the majority.

I don't disagree, I think I'm lucky enough to be in the minority that way and I think a lot of people in this forum are also in the same boat. I guess what I was trying to say is the bank doesn't really care for us that are taking advantage of those cards strictly for the rewards and rightfully so.

[bcrdukes]

On the opposite end of the spectrum, you have high rollers (looking et EvoFire and guys like Badhobz) who have an American Express Platinum card which comes with an annual fee of $695/year with (now reduced) amount of benefits. These charge cards require you to pay off the entire balance within I believe 15 days or else the interest rate is in the mid to high 20% range. And if you fail to pay that off, they'd probably kick you off and send someone to break your knees aka RS Beat Down Crew haha

[68style]

If there's one thing I've learned in 20+ years on here......... it's that I am starting to question whether there really is a RS Beatdown Crew.

;)

[MG1]

There is a RS Beatdown Crew.............. they hang out at Captain Happy Bubble and have emergency meetings at the ol' hidden Barnston Island Drag Strip. In case anyone is wAndering.

[320icar]

If there's one thing I've learned in 20+ years on here......... it's that I am starting to question whether there really is a RS Beatdown Crew.

;)

Can’t wait for you to fuck around

[68style]

Can’t wait for you to fuck around

Well... consider this my coming out announcement!!!

Wait... what?

[bcrdukes]

:peek:

[yray]

RS beat off group :jizz:

[donk.]

RS beat off group :jizz:

I think the state of the crew is much to be desired nowadays
https://i.postimg.cc/ZnTH27XN/Capture.jpg

:fuckthatshit:

[AzNightmare]

How long does it usually take to see credit limit change after getting it increased?

I called in for my Rogers CC and was approved for a limit increase and it's been 2 weeks and it still hasn't shown up when I log in. I called them last week to check what's taking so long and they said they sent the request and the system has approved it, but it's just stuck pending until upper management changes it.

[HonestTea]

How long does it usually take to see credit limit change after getting it increased?

I called in for my Rogers CC and was approved for a limit increase and it's been 2 weeks and it still hasn't shown up when I log in. I called them last week to check what's taking so long and they said they sent the request and the system has approved it, but it's just stuck pending until upper management changes it.

Within 30-minutes.

[AzNightmare]

Within 30-minutes.

lmao. That's what I thought. Wonder if I should be calling in to complain now...