What is your favorite reward credit card?

[ExtraSlow]

The wj card perks are totally worth it if you fly places they go. Companion fare, free bags etc.

[Tik-Tok]

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The wj card perks are totally worth it if you fly places they go. Companion fare, free bags etc.

Yeah, I think I'm going to get one of those too when my current card is up for annual renewal. I prefer Air Canada, but they don't fly direct to my most visited destination.

I wish I could cancel my current one now, but I wouldn't get any refund, so I might as well keep collecting Aeroplan points until then.

[killramos]

Honestly the free bags would pay for itself. Spent 120 bucks on bags with westjet last weekend...

[ExtraSlow]

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Honestly the free bags would pay for itself. Spent 120 bucks on bags with westjet last weekend...

Well, it's only one bag free for the primary cardholder. So not unlimited free bags for everyone.

[Tik-Tok]

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Well, it's only one bag free for the primary cardholder. So not unlimited free bags for everyone.

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Your first checked bag is free

For the primary cardholder on WestJet flights and up to 8 guests

[killramos]

Yup 30 bucks each per way add up quick. Plus in laws live in Nova Scotia, HUGE benefit in that free ticket.

[ExtraSlow]

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Huh, I guess I didn't read down far enough. Neato.

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Yup 30 bucks each per way add up quick. Plus in laws live in Nova Scotia, HUGE benefit in that free ticket.

One of the unexpected benefits of the companion voucher is if you need to travel last minute or prime time or can't wait for a seat sale or something. Having one of your seats be $99 really lowers the average cost.

[nagooro]

What's a good cashback card these days? I have the MBNA rewards world elite, but received a letter a while back that the rewards are lower and you need to spend more to get them now.

Wife has the westjet one, I don't think we need two of those?

My personal and business are both MBNA cards as well, probably time to look at others...


https://creditcardgenius.ca/blog/mbna-rewards-changes/

[ExtraSlow]

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Wife has the westjet one, I don't think we need two of those?

It's often worthwhile having two of the same card if you want to accrue the most points in that reward ecosystem.

[Tik-Tok]

If you have two or more kids it's worth it.

[sabad66]

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What's a good cashback card these days? I have the MBNA rewards world elite, but received a letter a while back that the rewards are lower and you need to spend more to get them now.

Wife has the westjet one, I don't think we need two of those?

My personal and business are both MBNA cards as well, probably time to look at others...


https://creditcardgenius.ca/blog/mbna-rewards-changes/

Rogers World Elite is probably the best cashback card these days.

[msommers]

^^I have that one for FX transactions BUT...right now at this moment, the cashback rewards are only good for Roger's products/bills, otherwise you have to call in and ask for an annual cheque to be issued.

However, in the next couple months, they are changing their cashback policy to apply to any transaction, it's just not official and not currently possible. I'm not sure if you'll be able to do this online or if you'll need their stupid app.

When I signed up for the card, I was definitely under the assumption that you could use the cashback right away, but after speaking with two different reps this isn't so...yet.

Compared to my Cap1 card, theirs seems overly convoluted and restricted but we'll see what transpires in the next couple months.

We also signed up for the WJ card since we're going to Europe this summer. Ended up being ~$750/each total round-trip and direct flights to Paris, including the annual card fee, upgraded and selected seats and our check-bags covered. The $250 welcome bonus definitely helped but we seemed to accumulate WJ bucks fairly fast since we were using it almost exclusively prior to booking our flights.

[taemo]

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^^I have that one for FX transactions BUT...right now at this moment, the cashback rewards are only good for Roger's products/bills, otherwise you have to call in and ask for an annual cheque to be issued.

However, in the next couple months, they are changing their cashback policy to apply to any transaction, it's just not official and not currently possible. I'm not sure if you'll be able to do this online or if you'll need their stupid app.

When I signed up for the card, I was definitely under the assumption that you could use the cashback right away, but after speaking with two different reps this isn't so...yet.

Compared to my Cap1 card, theirs seems overly convoluted and restricted but we'll see what transpires in the next couple months.

We also signed up for the WJ card since we're going to Europe this summer. Ended up being ~$750/each total round-trip and direct flights to Paris, including the annual card fee, upgraded and selected seats and our check-bags covered. The $250 welcome bonus definitely helped but we seemed to accumulate WJ bucks fairly fast since we were using it almost exclusively prior to booking our flights.

^ that's a pretty good price to fly to Europe, didn't know WJ has direct flight to Paris now.
Been looking on getting the RBC WJ Mastercard and seriously considering it for next year. 300$ flight to Hawaii for the little one is better than paying 600$+

[Swank]

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Rogers World Elite is probably the best cashback card these days.

That's what I use too, calling in for the cashback is inconvenient but the timing is nice to put a good dent in Christmas bills.

[Mitsu3000gt]

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Holy shit. Why on earth would you do that to yourself??! Are you flying somewhere to have you nuts rubbed in A5-35 and connected to 110V? Lemme dig up that joke about "WHAT THE FUCK DO YOU WANT!!!!?" about Air Can.
Oh well... To each their own.
I don't care for that airline.

Everyone has a bad experience or two that sours their opinion of a particular airline but I fly almost exclusively Air Canada (mostly long haul and Vancouver/Victoria) and have had nothing but good experiences to date. United, Alaskan, Sunwing, and Transat have all screwed me to various degrees but I have flown Air Canada dozens of times and they typically leave on time and arrive early. I always seem to find the best prices on direct flights with them, too. I also love their 787 Dreamliner I have taken it 3 times so far to London and Japan. If you've got the money they offer business class pods too. Their Rouge planes are garbage, but I have only been on a few.

[2Legit2Quit]

For any strong card info hit up the Credit Card subforum on redflagdeals. The guys on there are pretty hardcore about their cards, churning, options, etc.

[sabad66]

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^^I have that one for FX transactions BUT...right now at this moment, the cashback rewards are only good for Roger's products/bills, otherwise you have to call in and ask for an annual cheque to be issued.

However, in the next couple months, they are changing their cashback policy to apply to any transaction, it's just not official and not currently possible. I'm not sure if you'll be able to do this online or if you'll need their stupid app.

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That's what I use too, calling in for the cashback is inconvenient but the timing is nice to put a good dent in Christmas bills.

Yeah the redemption kind of sucked for non Rogers/Fido customers, but like msommers mentioned they are changing it to make it a lot easier. Tried finding a date but on the website all it says is "soon"
https://rogersbank.com/en#comingsoon

[ThePenIsMightier]

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Everyone has a bad experience or two that sours their opinion of a particular airline but I fly almost exclusively Air Canada (mostly long haul and Vancouver/Victoria) and have had nothing but good experiences to date. United, Alaskan, Sunwing, and Transat have all screwed me to various degrees but I have flown Air Canada dozens of times and they typically leave on time and arrive early. I always seem to find the best prices on direct flights with them, too. I also love their 787 Dreamliner I have taken it 3 times so far to London and Japan. If you've got the money they offer business class pods too. Their Rouge planes are garbage, but I have only been on a few.

I agree and you're not alone. In my case, it had been bad enough with Air Can that I literally will not fly with them unless they are half the price of WestJet (which doesn't happen).

[Swank]

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Yeah the redemption kind of sucked for non Rogers/Fido customers, but like msommers mentioned they are changing it to make it a lot easier. Tried finding a date but on the website all it says is "soon"
https://rogersbank.com/en#comingsoon

Just got the email, it starts today! Seems that you can only use the app to redeem cash back for purchases made within the past 90 days.

Hmm, the app has terrible reviews and looks like it hasn't been updated yet to let you use the cash back for any purchases yet other than the few things that would have qualified before (i.e. Rogers bill).

[sabad66]

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Just got the email, it starts today! Seems that you can only use the app to redeem cash back for purchases made within the past 90 days.

Hmm, the app has terrible reviews and looks like it hasn't been updated yet to let you use the cash back for any purchases yet other than the few things that would have qualified before (i.e. Rogers bill).

yep looks like it started today. the app isn't too bad, really not sure why people are complaining.

i don't think they will allow you to redeem against old purchases before feb 26. i have a purchase from today that shows the redeem button, but on anything older than today it doesn't show up.

in the app you can turn on auto redeem so after you do that, i don't think there will be any reason to go back into it after you set it up.