Originally posted by sabad66
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.
Originally posted by max_boost
Hey baller, any problem money can solve is no problem at all. Don't sweat it.
Report this post | IP: Logged