What is your favorite reward credit card?

+1 Tangerine MC is pretty great.
A quick note that you only get 3 reward categories if you direct the rewards to a savings account. or 2 if you direct to a chequing.
But you can always transfer out later.

If your feeling generous my referral code is: 16391479S1

If anyone wants that Triangle WE Card, or the other Triangle card, get $25 and a mystery gift.
http://mail.ctfs.com/r/c/r?2.1.3MU.2...N1Q%5FBOeEHKL0

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Originally Posted by ExtraSlow

Doesn't look compelling to me, but WJ Mastercards now can qualify you for "status lift". Seems like it could get me halfway to next teir, but that's not particularly valuable IMHO.

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Originally Posted by ThePenIsMightier

Hey yeah - do you understand that? I glanced it over and it didn't quite make sense to me. Got time to splain?

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Originally Posted by ExtraSlow

you spend the $15,000 on the credit card, on anything, and they credit you as if you spent $500 on flights. So to go from teal to silver, you need to spend $3000, so if you spend $45,000 in that calendar year, you get halfway to your "qualifying spend" to get to the next tier. halfway is the max, you still have to spend minimum $1500 on real flights to get that status.

If you were really super close to the next teir in normal flight spending, then this could be meaningful. No downside, since you aren't giving anything up, and you still earn the normal WJD rewards on top. Just for me, it doesn't look compelling enough to transfer the majority of purchased from my triangle card.

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:werd: It's more of a booster incentive.

I started reading up on it since I got the WE card.

https://www.westjet.com/en-ca/reward...ard/statuslift

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Originally Posted by flipstah

:werd: It's more of a booster incentive.

I started reading up on it since I got the WE card.

https://www.westjet.com/en-ca/reward...ard/statuslift

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Ugh - I read it wrong and put through every single thing on this card in the past ~6 months instead of a higher earning card thinking I would touch Silver status.

SMH reading> me

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Originally Posted by hurrdurr

Ugh - I read it wrong and put through every single thing on this card in the past ~6 months instead of a higher earning card thinking I would touch Silver status.

SMH reading> me

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Yeah the marketing material makes it sound like that is the move. Luckily I was bored enough to read the fine print one day.

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Originally Posted by ExtraSlow

Yeah the marketing material makes it sound like that is the move. Luckily I was bored enough to read the fine print one day.

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Yeah you have to spend shit ton of purchase to get flight equivalent point redemption. The insurance is good on this one vs my Bonvoy card so I’ll keep it for that.

I’ll probably use all the points I have + free night before I convert the Bonvoy to a no fee AMEX.

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Originally Posted by OTown

I think ill be leaving the cash back cards for more travel related rewards. I was looking at the Westjet ones but they seem sort of 'nerfed'. From what I gather from last few years, Aeroplan seems to be a bit more flexible and you're not limited to just WSJ (aka can go more places). Am I wrong on this?

I do some of my banking with CIBC... Has anyone used this one?

https://www.cibc.com/en/personal-ban...nite-card.html

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WestJet partners with Delta and code shares with them so you have access to their flights too.

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Originally Posted by flipstah

WestJet partners with Delta and code shares with them so you have access to their flights too.

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Good info thx

Anyone considering the triangle rewards credit card, if you use this code you get $25 and some gift box. I like this card, use the reward points at Marks and Sport Chek mostly. I don't go to Canadian Tire as often. Good cash back on groceries too.
https://www.ctfs.com/content/ctfs/en...tml?pcid=Y017T

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Originally Posted by ExtraSlow

Anyone considering the triangle rewards credit card, if you use this code you get $25 and some gift box. I like this card, use the reward points at Marks and Sport Chek mostly. I don't go to Canadian Tire as often. Good cash back on groceries too.
https://www.ctfs.com/content/ctfs/en...tml?pcid=Y017T

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x2
Some reputable mahfks use this card!

I can feel it in my plums...

Attachment 103896

I think it's pushing $600 this year!

What's the best cash back card for utilities? Tangerine's recurring bills category isn't working for Enmax...any better ideas?

Not cash but you can use triangle for 0.5% back on stuff like enmax.

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Originally Posted by birdman86

What's the best cash back card for utilities? Tangerine's recurring bills category isn't working for Enmax...any better ideas?

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I ran into the same issue with Tangerine years ago. I just use the Rogers World Elite Mastercard (1.5% cashback) for my ENMAX bill. ENMAX takes credit cards for bill payments - ATCO did a few years back and ENMAX quickly followed suit.

Here is a question, what if I want to get a CTWE for my business? I have one for personal, but was told that the CT cards shouldn't be used for business. Wtf?

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Originally Posted by 03ozwhip

Here is a question, what if I want to get a CTWE for my business? I have one for personal, but was told that the CT cards shouldn't be used for business. Wtf?

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I don't think CTFS offers business banking. However nothing stopping you from using your personal Triangle WE card for business expenses of you choose.

CRA doesn’t give a shit what CC you pay for stuff.

If your company is large enough to have a CFO, then they will decide what makes the most sense for the business. If not, fucking giv'er.

Triangle World Elite has been super excellent for me

The Cantire money notwithstanding, I've had 2 tows and a jumpstart from the roadside assistance and also joined the Triangle Select members thing which has so far gained me a free chopping board and "free" Crave for a year

CT money so far has bought 2 baby seats, a baby monitor and the last 2 oil changes for the truck

I just noticed my Rogers Bank World Elite card has been charging a transaction fee on USD transactions.

Currency USD
Purchase Amount 220.50
Exchange Fee 6.90
Conversion Rate 1.282811791
Total CAD 282.86

Paypal quoted ~$269CAD for this same transaction. Is this card now a dud or is it me that is the dud? lol