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secol
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quote:

Originally posted by roopi


MBNA Rewards World Elite is 2% on all purchases. $89.00 annual fee but with your first purchase you get 10,000 reward points which works out to $100.00 cash back. You can request a cash back check at anytime instead of waiting for the yearly ones like most credit cards.


extra $60 as well. there was also a deal where you can get first year free. so basically year 1 free, year 2 and 3 also free (paid by the reward points and GCR)

https://www.greatcanadianrebates.ca...ds-World-Elite/

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Old Post 03-13-2017 10:56 PM
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cidley69
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quote:

Has anyone had to use the extended warranty that comes with credit card?


I bought a fridge with Capital One World Elite card in 2015. Since then I switched to MBNA card.

Can I make warranty claim of card that no longer is active?

Answer to that question is NO.

Something to keep in mind, if you close a card account, you are also terminating any extended warranties that went along with that card.

SHITTY!

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Last edited by cidley69 on 03-14-2017 at 08:54 PM

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Old Post 03-14-2017 08:39 PM
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Brent.ff
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quote:

Question for you guys, with my TD visa infinite, can i transfer my travel points to another account? My girlfriend is looking at moving banks, so if i can get her on another visa infinite and we could combine?

Last edited by Brent.ff on 03-15-2017 at 03:05 PM

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Old Post 03-15-2017 03:03 PM
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jwslam
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quote:

Originally posted by Brent.ff
Question for you guys, with my TD visa infinite, can i transfer my travel points to another account? My girlfriend is looking at moving banks, so if i can get her on another visa infinite and we could combine?


I don't think the TD points are transferable.

You don't need to be with TD to use a TD card... You'll just end up guaranteed paying the annual fee on it.

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flipstah
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quote:

Aeroplan is doing a top up offer to convert hotel points to miles in 1:1 + % on top!

Might go on a trip soon huehuehue

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Brent.ff
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quote:

Originally posted by jwslam

I don't think the TD points are transferable.

You don't need to be with TD to use a TD card... You'll just end up guaranteed paying the annual fee on it.



Confirmed, they aren't transferable unless im primary on both cards...guess we wait till married then share a card

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Old Post 03-15-2017 08:19 PM
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birdman86
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quote:

Does anyone use the tangerine card? 2% cash back on three categories if you deposit rewards to a tangerine account, 1% everything else, low FX fee and is a no-fee card. Seems like a good all-in-one cash back card.

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Old Post 03-16-2017 01:55 AM
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mzdspd
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quote:

Originally posted by birdman86
Does anyone use the tangerine card? 2% cash back on three categories if you deposit rewards to a tangerine account, 1% everything else, low FX fee and is a no-fee card. Seems like a good all-in-one cash back card.



I have been using it for 4 months now (already racked up 150$ with the 4% promo).. It is great. I use it for groceries, Reoccuring bills and Entertainment plus any purchases that do not fall under these (1%). And then I have my Costco Capital One MC for Restaurants (3%) and Gas (2%) or any rental/car share purchases (for the insurance).

Seems to be a good combo.

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Old Post 03-16-2017 04:22 PM
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Mitsu3000gt
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quote:

Unless you have largely disproportionate spending, the flat 2% cards are better than the tiered cards (i.e. higher percentage on groceries & gas).

The Amazon Visa is free, 1% cash back, and no FX fee at all, so you should be using that one for any traveling or foreign purchases

The Tangerine card doesn't sound that great though because why take 2% only on certain things when you can have 2% on everything AND no FX fee?

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mzdspd
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quote:

Originally posted by Mitsu3000gt
Unless you have largely disproportionate spending, the flat 2% cards are better than the tiered cards (i.e. higher percentage on groceries & gas).

The Amazon Visa is free, 1% cash back, and no FX fee at all, so you should be using that one for any traveling or foreign purchases

The Tangerine card doesn't sound that great though because why take 2% only on certain things when you can have 2% on everything AND no FX fee?



I also have the Amazon Visa and I agree that it is a good card for Amazon purchases (2%) and FX when travelling.

But which card has no yearly fees and 2% on everything?

Also, go to ratehub to compare cards.. And enter in where you spend your money. Tangerine is usually one of the top cards. The others that beat it, usually beat it due to the first year rewards and waived yearly fees.

Last edited by mzdspd on 03-16-2017 at 04:46 PM

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Old Post 03-16-2017 04:43 PM
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sabad66
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quote:

Originally posted by mzdspd


I also have the Amazon Visa and I agree that it is a good card for Amazon purchases (2%) and FX when travelling.

But which card has no yearly fees and 2% on everything?

Also, go to ratehub to compare cards.. And enter in where you spend your money. Tangerine is usually one of the top cards. The others that beat it, usually beat it due to the first year rewards and waived yearly fees.


BMO WE yearly fee is waived if you bank with them and are on the premium plan. The premium plan is $30/month but free if you maintain a minimum $6000 balance. So it can be free if you can maintain the balance.

All the other banks offer something similar with their high end cards.

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Old Post 03-16-2017 05:25 PM
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Mitsu3000gt
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quote:

Originally posted by mzdspd


I also have the Amazon Visa and I agree that it is a good card for Amazon purchases (2%) and FX when travelling.

But which card has no yearly fees and 2% on everything?

Also, go to ratehub to compare cards.. And enter in where you spend your money. Tangerine is usually one of the top cards. The others that beat it, usually beat it due to the first year rewards and waived yearly fees.



The Amazon card also gives 1% back on all purchases, not just 2% on Amazon purchases

Sorry I didn't know we were only talking free cards, however the small annual fees are often offset fairly quickly, or given back to you in the form of points to completely negate it (Capital One did this, not sure if they still do).

If Tangerine has no fees, that's pretty good, but depending on your spending you will very easily be ahead of any annual fee in a couple months tops at 2%, and well ahead at the end of the year.

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Old Post 03-16-2017 05:36 PM
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Strider
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quote:

Originally posted by sabad66
BMO WE



The BMO cashback card is 1.75% on everything.
The travel card is 2%, but you have to spend it through their overpriced booking engine.

Originally posted by Mitsu3000gt
Sorry I didn't know we were only talking free cards, however the small annual fees are often offset fairly quickly, or given back to you in the form of points to completely negate it (Capital One did this, not sure if they still do).

If Tangerine has no fees, that's pretty good, but depending on your spending you will very easily be ahead of any annual fee in a couple months tops at 2%, and well ahead at the end of the year.



To make up a typical annual fee ($100) at a 1% spread, you'd have to spend $10,000 on other categories besides your top 3. To some people that's little, to some it's a lot.

Going the annual fee route, I'd throw in the Scotia Momentum Visa Infinite as a contender - exploit the grocery store or gas station gift card loophole for 4% back.

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Old Post 03-16-2017 06:33 PM
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