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Thread: What is your favorite reward credit card?

  1. #61
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    A buddy from work has the Avion and got some nice perks based on him switching to RBC and getting an RRSP setup with them. So I'm thinking if I can do the same, have it for a year then switch to the capital it seems like the best bet.

    Supergeo, which do you use most? Any reason you like having two visas?
    Ultracrepidarian

  2. #62
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    The MBNA one is a MasterCard... though I don't think there's really a difference between Visa/MC, no place would exclusively take one.

    I find having a mix of instant cash back (MBNA, every $50 earned) and accumulated flights works well. I only use the MBNA card for groceries and gas.

  3. #63
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    +1 for the Aspire travel. I really like that it can be applied for types of travel purchases spent on the card. It makes it really flexible for hotel, airfare, car rental, and other eligible purchases. I also like how you can split airfare up into separate tickets so you can redeem some of the airfare if you don't have enough points.

    The main caveat is how many points are required is based on tiers so some thought is needed for smaller redemptions.

    With the annual points bonus I think it costs about $20 per year.

    Here is the Money Sense credit card selector tool.

    http://decision.moneysense.ca/best-credit-cards-canada/
    Last edited by ffmf; 09-19-2012 at 10:34 PM.

  4. #64
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    Originally posted by FraserB


    I have the TD Infinite as well, for online gambling I use EntroPay. VISA will let me load my virtual EntroPay card and all major sites will accept the EntroPay.
    sweet, thanks.

  5. #65
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    Originally posted by Super_Geo
    The MBNA one is a MasterCard... though I don't think there's really a difference between Visa/MC, no place would exclusively take one.

    I find having a mix of instant cash back (MBNA, every $50 earned) and accumulated flights works well. I only use the MBNA card for groceries and gas.
    Agreed, thats why i have the MBNA and the TD infinite...i think TD and RBC infinites are very similar, except my TD card is free... all groceries and gas go towards MBNA, everything else TD
    Last edited by JLau; 09-19-2012 at 11:45 PM.

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    ...
    Last edited by Sugarphreak; 07-11-2019 at 08:24 AM.

  7. #67
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    Originally posted by Neil4Speed


    I have this too (for the past 5 years or so), I can't justify the new annual fee and will be switching to something else. Nice to have but at $700 a year, too much.
    Ya I was surprised they did that, but I went ahead and filled out all the stuff for the new perks... Apparently now we get a hotel room comped 1-2 nights a year or something.

    I use their Travel and concierge services quite a bit so I'll be staying with them... All the laptops, camcorders, flights I get from points totally make up for the yearly fee
    Sig was pwned by Moderator!

  8. #68
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    I found this site pretty helpful when picking a rewards card, ended up with the Capitol One Aspire.

    http://www.rewardscanada.ca/topcc2012/

  9. #69
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    Do any of the top cards listed allow you to see a transaction that is pending but not yet posted in your online banking? I've been looking for this feature for a while but haven't seen many cards/banks that offer it.

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    I see these threads a few times year and every time I promise myself I'm going to get rid of my stupid fucking Air Miles card, and then I don't do it.

    I also promise myself I'm going to change banks. Never happens.

    Oi.

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    I've got a CIBC Dividend that gives me 2% back on whatever I buy.
    Vettel's #1

  12. #72
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    Originally posted by toyboy88
    TD First Class Visa Infinite?

    They recently upped the sign-up bonus to $200 free travel credit (from $100) as well.

    Annual fee: $120 (I get it waved, since I have Select Service bank account with TD).

    http://www.tdcanadatrust.com/product..._tnt=19427:8:0
    New cardholders only unfortunately.

    I got my Emerald transferred to First Class Visa on the phone after they offered 20k TD points to me but when I got the card and went to check, they wouldn't honor the deal I had so I had it transferred back to a TD Rewards card.

    So pissed. The First Class is such a sweet card.

  13. #73
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    Originally posted by flipstah


    New cardholders only unfortunately.

    I got my Emerald transferred to First Class Visa on the phone after they offered 20k TD points to me but when I got the card and went to check, they wouldn't honor the deal I had so I had it transferred back to a TD Rewards card.

    So pissed. The First Class is such a sweet card.
    Yeah, almost in the same boat...I signed up (ie. Rebate Rewards to First Class) about a month before they upped bonus to $200, so I was stuck with previous $100 bonus only haha.

    But yeah, the card (especially if you have fee waived) is great (at least for my use/needs). Concierge service has been awesome during travel!

  14. #74
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    MBNA smart cash. I like a decent return in CASH, not some nonsense "points."

    When looking at other cards with an annual fee, you've gotta figure out what your actual rate of return will be after the fee is paid off based on YOUR specific spending habits. I looked at a number of cards with fees, and after figuring out that I only put ~$20K/year on a card, the annual fee made the returns lower on a lot of seemingly "higher interest back" cards than the MBNA one.

  15. #75
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    I've always used an RBC Visa Gold Preferred.

    It's $110/yr, but I easily spend enough on it to earn reward points far in excess of the annual fee. I also make use of things like the travel coverage -- such as free rental insurance etc. at least once if not twice a year.

    The reward points can be exchanged for all kinds of things. But one of the better deals I've found seems to be exchanging points for store-specific gift cards (e.g. Future Shop, Home Depot, etc.). You get a much better "bang per points" than if you simply picked an item from the rewards catalog.

  16. #76
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    Originally posted by BrknFngrs
    Do any of the top cards listed allow you to see a transaction that is pending but not yet posted in your online banking? I've been looking for this feature for a while but haven't seen many cards/banks that offer it.
    MBNA does this, and its a wonderful feature. Cought a fraud dell order on my card when my number got chacked before it was posted, called Dell, canceled the order. If I didn't have that feature, I wouldn't have known about the order until 4-5 days later when its actually posted, by then Dell would have shipped the order (was a quick spec system) and the fraudster would have ended up with something.

    I make a habit to login into my CC almost daily and look at preauthorizations, to make sure nothing fishy is happening. Best feature from any CC I have ever used. Love my MBNA, buy buspasses at Sobeys or 7-11, counds as a grocery/gas purchase so 3% cash back on that. Last year got $650 in cash back

  17. #77
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    Originally posted by CapnCrunch
    I've got a CIBC Dividend that gives me 2% back on whatever I buy.

    Not a big fan of their tier system for cash back, AND theres an annual fee

  18. #78
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    Cards I use. (All with no annual fee)

    CAPITAL ONE ASPIRE CASH WORLD
    Best travel insurance card ever and 1.5% cash back on everything

    PRESIDENT'S CHOICE WORLD
    2% cash back at Superstore

    MBNA SMART CASH WORLD
    Wife has this one - 5% 1st 6 months, 3% for Groceries - already mentioned a lot

    AMAZON VISA
    Best card to use for foreigh exchange
    I use this one when I travel or when I buy something online not in cdn dollars
    No Foreign Currency Transaction Fees - Save 2.5%

    I have a few other ones for even more specific uses.
    Insurance Pro

  19. #79
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    Originally posted by guessboi
    Cards I use. (All with no annual fee)

    CAPITAL ONE ASPIRE CASH WORLD
    Best travel insurance card ever and 1.5% cash back on everything

    PRESIDENT'S CHOICE WORLD
    2% cash back at Superstore

    MBNA SMART CASH WORLD
    Wife has this one - 5% 1st 6 months, 3% for Groceries - already mentioned a lot

    AMAZON VISA
    Best card to use for foreigh exchange
    I use this one when I travel or when I buy something online not in cdn dollars
    No Foreign Currency Transaction Fees - Save 2.5%

    I have a few other ones for even more specific uses.
    Is that MasterCard World? Any added perks? Mine says Platinum...

  20. #80
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    I just changed to a low-interest card instead of a rewards card. I don't travel, or spend a lot for the cash back, so having 11% interest instead of 19.99% is a big bonus. I forget the name of the card, but I will post it once I remember.
    Beyond's Most Wanted

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