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Thread: What is your favorite reward credit card?

  1. #1321
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    ^Ah, yep, totally makes sense. I'm still gonna save up my rewards, I'm glad redeeming them is much easier now.

  2. #1322
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    Good news for avion today, no more 14 day limit to book flights on the redemption schedule.

    This is awesome for impromptu Vegas or Phoenix trips etc.
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.
    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

  3. #1323
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    Looking to replace my scene visa as they just increased redemption rates. So cash back equivalent is like less than 1%. This one was awesome for me because I go to the movies a lot.

    I have a Tangerine MC which I only use for Costco.
    CIBC dividend card which I don't use but it's my first card.

    I wanted to get the Westjet MC but I don't qualify.

    Thoughts on a good cash back or reward card?

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    Quote Originally Posted by beecue View Post
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    Looking to replace my scene visa as they just increased redemption rates. So cash back equivalent is like less than 1%. This one was awesome for me because I go to the movies a lot.

    I have a Tangerine MC which I only use for Costco.
    CIBC dividend card which I don't use but it's my first card.

    I wanted to get the Westjet MC but I don't qualify.

    Thoughts on a good cash back or reward card?
    The Canadian Tire MasterCard has no fee and rewards you in CT money which is a lot like cash when you consider how many things they sell and I think it can finally be used at Mark's and Sport Chek.
    You also earn 5¢/L from gasoline of you live anywhere near one of their stations. This is additionally valuable for premium fuel as it's WAY cheaper there (if u have a car that needs it).

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    Ooo wee got an invite for a centurion card, benefits include being baller as fuck

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    Quote Originally Posted by BavarianBeast View Post
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    Ooo wee got an invite for a centurion card, benefits include being baller as fuck
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.
    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

  7. #1327
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    Quote Originally Posted by beecue View Post
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    Looking to replace my scene visa as they just increased redemption rates. So cash back equivalent is like less than 1%. This one was awesome for me because I go to the movies a lot.

    I have a Tangerine MC which I only use for Costco.
    CIBC dividend card which I don't use but it's my first card.

    I wanted to get the Westjet MC but I don't qualify.

    Thoughts on a good cash back or reward card?
    Just put your income a little higher than the requirement. I'd be VERY surprised if you got denied from Westjet.
    Ultracrepidarian

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    Since when do they really care about “requirements” for credit cards. Unless you are the kind of person who no one will lend to I doubt they care at all as long as you are spending money and paying the fee.
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.
    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

  9. #1329
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    Interesting, maybe I will try then because my credit rating is not a problem.

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    Some of the higher end premium cards will be sticklers on requirements but few ask for proof.

    As far as wanting the westjet card, do you fly westjet often enough to make it worth while? the point accrual is meh but perks are good

  11. #1331
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    Quote Originally Posted by BavarianBeast View Post
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    Ooo wee got an invite for a centurion card, benefits include being baller as fuck
    You know you made it when. That's my 1% definition.

    Quote Originally Posted by killramos View Post
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    Since when do they really care about “requirements” for credit cards. Unless you are the kind of person who no one will lend to I doubt they care at all as long as you are spending money and paying the fee.
    True that. It's like buying a car, they ask and you give them a number. Buying a house well that's different, then they want all your docs.
    Originally posted by rage2
    Shit, there's only 49 users here, I doubt we'll even break 100
    I am user #49

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    Quote Originally Posted by beecue View Post
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    Interesting, maybe I will try then because my credit rating is not a problem.
    I think it's theoretically $80k/yr for the WestJet card, so try that.

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    Quote Originally Posted by 2Legit2Quit View Post
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    As far as wanting the westjet card, do you fly westjet often enough to make it worth while? the point accrual is meh but perks are good
    The wj cards are good for people who fly wj 2x or more per year. Less than that and there's probably better options.

    Personally, I only ever fly wj. Haven't been on another airline in years, so it's great for me.
    Quote Originally Posted by killramos View Post
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    You realize you are talking to the guy who made his own furniture out of salad bowls right?

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    Quote Originally Posted by ExtraSlow View Post
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    The wj cards are good for people who fly wj 2x or more per year. Less than that and there's probably better options.

    Personally, I only ever fly wj. Haven't been on another airline in years, so it's great for me.
    Have you left the country tho
    Originally posted by rage2
    Shit, there's only 49 users here, I doubt we'll even break 100
    I am user #49

  15. #1335
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    Yeah not sure how much I would actually fly at least right now.

    Maybe straight cashback would be better.

    The Rogers MC is 1.75% for everything and is the same requirement as the WS card. I might try for that instead.

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    Quote Originally Posted by max_boost View Post
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    Have you left the country tho
    I'm in Vegas right now bro. Family trip to Mexico was pure WJ.
    Quote Originally Posted by killramos View Post
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    You realize you are talking to the guy who made his own furniture out of salad bowls right?

  17. #1337
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    Called Rogers to get clarification on how their cashback works now that the system has changed over.

    Basically, they are shifting away from Rogers products to cash back on anything. The 90 days previous seems to only be able to redeem Rogers stuff and qualifies for their "eligible purchases". I haven't had this long so I can't confirm, but this is what the rep mentioned.

    Going forward what happens is as you accrue cashback, you have to activate the app/online indicating that you want to apply your cashback to your next purchase, provided the purchase price is greater or equal to your cashback available.

    The only way to get ALL your cashback back is the annual cheque, which you must call in and activate as well. In this instance, you would not need to make another purchase to actually use cashback that you have in your account. However they only issue cheques once a year.

    Personally the Capital One system is miles better than this. You can even apply points to the same purchase made in the last 90 days more than once! Not only that but you can redeem points for anything, anytime.
    Ultracrepidarian

  18. #1338
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    Quote Originally Posted by msommers View Post
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    Called Rogers to get clarification on how their cashback works now that the system has changed over.

    Basically, they are shifting away from Rogers products to cash back on anything. The 90 days previous seems to only be able to redeem Rogers stuff and qualifies for their "eligible purchases". I haven't had this long so I can't confirm, but this is what the rep mentioned.

    Going forward what happens is as you accrue cashback, you have to activate the app/online indicating that you want to apply your cashback to your next purchase, provided the purchase price is greater or equal to your cashback available.

    The only way to get ALL your cashback back is the annual cheque, which you must call in and activate as well. In this instance, you would not need to make another purchase to actually use cashback that you have in your account. However they only issue cheques once a year.

    Personally the Capital One system is miles better than this. You can even apply points to the same purchase made in the last 90 days more than once! Not only that but you can redeem points for anything, anytime.
    I'm confused with what you are saying. I just used the App and was able to apply it to everything BUT looks like there is a cut off Feb 28 as purchases before that aren't eligible. I made enough purchases in between that I quickly used up the rewards and got an e-mail notification immediately after.
    Originally posted by rage2
    Shit, there's only 49 users here, I doubt we'll even break 100
    I am user #49

  19. #1339
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    Maybe if you want to be issued a cheque it's a once a year call, but my understanding is the rest now works exactly as @max_boost described. I haven't used mine yet, I'm saving up to treat myself at the end of the year.

  20. #1340
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    I signed up for the RBC WJ Elite CC and it should be here one of these days.
    Main reason is because we are planning on flying to San Francisco next year and having a companion pass will save us some money.
    Further on, WJ flys direct now to Paris or Barcelona too which we are also planning on going next.

    Free checked-in baggage is a nice perk as well.

    Thinking of cancelling my Capital One Aspire later this year.

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