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I think something to remember is the car has bonus westjet rewards as well right? So the actual savings are larger than just what you get on the vouchers and baggage fees.
Presumably you accumulated a good bunch of bonus westjet miles buying those two primary tickets? Can’t be used on this trip but should take a good dent out if a future trip?
Ahhh ok, makes sense. Cool.Quote:
Originally Posted by roopi
No, just brain storming as to why someones accumulated WJ dollars do not add up to 2%(or whatever it is) of their WestJet spending?Quote:
Originally Posted by jwslam
I'm sure his %'s earned are correct.Quote:
Originally Posted by Misterman
Interest, fees, and cash advances don't get the WJ earn, so if that's part of his balance then maybe that's what's throwing him off?
I'll look into it further when I have a chance and do the math
I'm sure this is part of it since I put the majority of my bill payments through my card
WestJet dollars are earned on net purchases only; they are not earned on cash advances (including RBC Royal BankŪ credit card cheques, balance transfers, cash-like transactions and certain bill payments)
Anyone got any good credit card deals? My TD VISA infinite aeroplan is up soon. Just did the math and my return was 2.98% cash back using 2.5 cents per Aeroplan point. I get good value out of Aeroplan so i might just keep it.
I still like my avion IP, not quite as juicy as the Aeroplan in terms of % return, but it’s somewhere between 2.5-2.9% depending on where you are going and you can book any airline any seat. My dad is a big Aeroplan guy and find the air canada only and the seat restrictions quite irritating.Quote:
Originally Posted by jacky4566
Lounge passes, free in flight wifi, decent insurance, only thing to complain about is the fee but that’s just a math exercise to make sure it fits your spending.
So for the person who was wondering, I went back and the WJ dollars earned on my MasterCard statement are exactly 1.5% of my spending and I also double checked that I'm getting that exact amount deposited into my WJ account on that same date. There's no tomfoolery happening.
I mean, if you spend $5000/month, that's $60,000/yr so you should be getting $900 WJ Dollars every year. Maybe you are more frugal than you assume?
EDIT, I think it was @adam c who was wondering?
I'm looking for the best CC with no fee with GOOD rewards like money back etc.
I am going to try out buying pretty much everything with CC and paying it off right away, instead of using debit for everything, which I should have done a long time ago.
What are you guys using? It's for everyday stuff like groceries, bills and gas for the most part.
Rogers world premium. 1.75% back on everything. 4% back on foreign currency purchases. No feeQuote:
Originally Posted by 03ozwhip
Not entirely true, it's 4% cash back....with a 2.5% Forex fee...so essentially 1.5% cash back.Quote:
Originally Posted by arcticcat522
Surprised anyone uses Debit at all...I have been doing this for like 15 years now, welcome to the club hahaQuote:
Originally Posted by 03ozwhip
I use my grandfathered 1.5% cash back on everything Capital One Aspire card for 90% of my purchases, World Elite Presidents Choice for all Loblaws stores like Superstore/Shoppers/PCTravel/Mobil Gas for the 3% PC Points as I shop exclusively almost at those stores, HomeTrust Visa for all personal forex type transactions (1% cash back) and also have the Triangle card, mostly for bill payments like property taxes and when shopping at Canadian Tire (3% for Canadian Tire, think 1% for everything else). It's a lot of cards, but they all have a purpose. Technically the Rogers card could replace my Capital One and the Home Trust card, but I would still keep the others as they get higher rewards + bill payment ability.
I know I looked at the Rogers one at one point and actually applied for it, but despite having 868 for credit score...was denied...the one and only card I have even been denied for. Don't know wtf happened there but never pursued it again haha, maybe I should give it another go.
Anyone with the Rogers card...how does one redeem the cashback nowadays? I know before it seemed like it was a paid if you wanted actual cash and not a credit for Rogers services, which I have 0 of.
The no-fee cards have much less rewards, but I assume you know that.Quote:
Originally Posted by 03ozwhip
I always liked the Canadian Tire MasterCard "Triangle Card" for one without fees. Canadian Tire Money is earned on the card with all purchases everywhere and higher amounts at CT or on their fuel.
They sell EVERYTHING so I've always felt it's about as good as cash.
The Tangerine card would be worthwhile putting on the short list if you're using it for specific categories like those you listed.Quote:
Originally Posted by 03ozwhip
The CT card is also the only one you can pay property taxes with. Cha-ching cashback.Quote:
Originally Posted by ThePenIsMightier
Also if you get the World Elite Triangle card you get free roadside assistanceQuote:
Originally Posted by jwslam
Good call guys, I'll check out the CT card. The cards I have now, I just dont see the value in them.
Best everyday use no fee is Rogers WE, but you need 80k income to qualify. If you can’t qualify, the Rogers Platinum is a good second choice.
PC WE is also good if you shop at superstore and esso
Triangle WE is good too if you shop at CT a lot. I have this one too, I really like the free 2 year financing feature for big purchases, used it on a treadmill last Christmas. And like jwslam says you can pay bills with it and earn extra CT money
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Redeeming on the Rogers card is very easy now. Open the app, pick a purchase, then apply cashback pts against it. No hassle at allQuote:
Originally Posted by eblend
Good to know, will give it a shot again. Def qualify for the Elite card, no idea why I didn't get approved back in the day. I read a bit about it and it it says you can apply cashback against qualifying purchases...what's a qualifying purchase? Just about anything?Quote:
Originally Posted by sabad66
Doesnt tell you if you qualified for the elite card apparently. When it gets here, that's when I find out I guess lol