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Thread: What is your favorite reward credit card?

  1. #1601
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    Should I apply for the Plat card using my existing account? Is there some impact on the bonus?

  2. #1602
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    Which card do you have?

  3. #1603
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    There's some cool stuff going on right now with Canadian Amex Platinum and Centurion cards.

    Double points on purchases, double points on redeeming for purchases (for ex. I can redeem 1000pts for a $20 Credit).
    Sig was pwned by Moderator!

  4. #1604
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    Quote Originally Posted by Zhariak View Post
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    There's some cool stuff going on right now with Canadian Amex Platinum and Centurion cards.

    Double points on purchases, double points on redeeming for purchases (for ex. I can redeem 1000pts for a $20 Credit).
    Nothing like 12% cash back on food/dining. Sure encourages me to order takeout vs going grocery shopping and cooking at home
    ---

  5. #1605
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    Quote Originally Posted by Zhariak View Post
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    There's some cool stuff going on right now with Canadian Amex Platinum and Centurion cards.

    Double points on purchases, double points on redeeming for purchases (for ex. I can redeem 1000pts for a $20 Credit).
    Yup. I just put a consumer plat on my account. I've got 250k Mr points to pay down the charges.

  6. #1606
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    Quote Originally Posted by jwslam View Post
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    If anyone wants a BRIM referral I'm here by PM. I think you get $20 out of it.
    https://brimfinancial.com/features?code=10090

    AFAIK Brim FX still has 1% cashback whereas HomeTrust Visa also removed it with Rogers.
    2% on Amazon; pretty good time to stack up on those purchases.
    I know they have 0 FX fees but do you also get the points on FX transactions?

    I have a Brim card, but now i see the WE Brim card is $0. Might be good to get in lieu of Rogers changing their rules like the cucks they are

  7. #1607
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    Quote Originally Posted by Zhariak View Post
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    There's some cool stuff going on right now with Canadian Amex Platinum and Centurion cards.

    Double points on purchases, double points on redeeming for purchases (for ex. I can redeem 1000pts for a $20 Credit).

    Can i ask how you are getting 1000pts for a $20 Credit?

    With the new card bonus of 60,000 that covers the yearly fee twice over.

  8. #1608
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    Quote Originally Posted by jacky4566 View Post
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    Can i ask how you are getting 1000pts for a $20 Credit?

    With the new card bonus of 60,000 that covers the yearly fee twice over.
    Amex has a double points double rewards offer that runs until end of July on their platinum and centurion cards (Gold cars have a slightly worse promo). All point earnings are doubled, and point redemptions are doubled.

    On my referrals page, it says new sign-ups are getting 70k points which works out to $1400 right now. Super duper exclusive offer!!1 --> My referral link
    ---

  9. #1609
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    Quote Originally Posted by hurrdurr View Post
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    I know they have 0 FX fees but do you also get the points on FX transactions?
    Yup. The 1% rewards come in after the FX. So still 1% CAD on the Canadian amount.
    I haven't tried to buy anything on amazon.com to see if it still doubles though.

  10. #1610
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    Quote Originally Posted by jacky4566 View Post
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    Can i ask how you are getting 1000pts for a $20 Credit?

    With the new card bonus of 60,000 that covers the yearly fee twice over.
    Quote Originally Posted by kenny View Post
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    Amex has a double points double rewards offer that runs until end of July on their platinum and centurion cards (Gold cars have a slightly worse promo). All point earnings are doubled, and point redemptions are doubled.

    On my referrals page, it says new sign-ups are getting 70k points which works out to $1400 right now. Super duper exclusive offer!!1 --> My referral link

    Exactly as Kenny said!

    I'm holding off on using my points though. In the e-mail I got that was sent to Centurion cardholders, it sounded like there's more promos and fancy stuff coming down the line to "make sure we are getting expected value from our card and the fee that comes with it". I heard Amex just bought a kajillion Hilton points, as well as some other loyalty points, so gonna wait and see what else is released in case if it can compliment some plans I already had coming up
    Sig was pwned by Moderator!

  11. #1611
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    FYI the Rogers World Elite card is garbage as of Jun 2:

    https://creditcardgenius.ca/blog/rog...rcard-changes/

    Among other things including a $15,000 annual spending minimum, the FX advantage only works on US currency now, and the advantage has almost been eliminated.

    Looks like I'm looking for a new one again....

    Fine print:

    https://www.rogersbank.com/legaldocs...orld_elite.pdf
    Last edited by Mitsu3000gt; 05-13-2020 at 11:25 PM.

  12. #1612
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    I think AMEX also extended the amount of time for your min spend to 6 months!

  13. #1613
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    Quote Originally Posted by Mitsu3000gt View Post
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    FYI the Rogers World Elite card is garbage as of Jun 2:

    https://creditcardgenius.ca/blog/rog...rcard-changes/

    Among other things including a $15,000 annual spending minimum, the FX advantage only works on US currency now, and the advantage has almost been eliminated.

    Looks like I'm looking for a new one again....

    Fine print:

    https://www.rogersbank.com/legaldocs...orld_elite.pdf
    Have you found any good alternatives?

    I’m not too happy about these changes but at the end of the day I don’t do a lot of foreign purchases and if I do it’s 99% of the time usd so this is still going to be my daily driver unless something better comes out.

  14. #1614
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    Quote Originally Posted by Mitsu3000gt View Post
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    FYI the Rogers World Elite card is garbage as of Jun 2:

    https://creditcardgenius.ca/blog/rog...rcard-changes/

    Among other things including a $15,000 annual spending minimum, the FX advantage only works on US currency now, and the advantage has almost been eliminated.

    Looks like I'm looking for a new one again....

    Fine print:

    https://www.rogersbank.com/legaldocs...orld_elite.pdf
    thanks for a heads up, looks like just a 0.25% loss for me as I use mine for day to day use only.
    Boingo Global wi-fi might come in handy though

    for travel I use HomeTrust visa

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    Quote Originally Posted by jwslam View Post
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    If anyone wants a BRIM referral I'm here by PM. I think you get $20 out of it.
    https://brimfinancial.com/features?code=10090

    AFAIK Brim FX still has 1% cashback whereas HomeTrust Visa also removed it with Rogers.
    2% on Amazon; pretty good time to stack up on those purchases.
    Quote Originally Posted by jwslam View Post
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    Yup. The 1% rewards come in after the FX. So still 1% CAD on the Canadian amount.
    I haven't tried to buy anything on amazon.com to see if it still doubles though.
    Clipped some transactions here. 1 point = 1 cent; can be redeemed $1 minimum and no block requirements.
    There's a promo for 4% on AliExpress now, Plus no FX.
    Capture.jpg

    Capture.JPG

    It still pays the 1% rewards after 0% FX
    Capture.JPG

    I got the offer for FYF World Upgrade that I didn't take, which would up my rewards but knowing me I'd forget to downgrade before getting dinged another year of AF.
    Last edited by jwslam; 05-14-2020 at 08:03 AM.

  16. #1616
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    Quote Originally Posted by sabad66 View Post
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    Have you found any good alternatives?

    I’m not too happy about these changes but at the end of the day I don’t do a lot of foreign purchases and if I do it’s 99% of the time usd so this is still going to be my daily driver unless something better comes out.
    Not yet - I literally read about that last night. I still have my Home Trust Visa but the annoying part is we have been using the Rogers card as a joint card which is extra convenient when traveling given it's set of perks.

    For us it's a big deal because the Rogers card FX bonus worked on every currency and we travel a lot. On top of that it was decent for local purchases, had no annual fee, and had a free secondary card which we took advantage of.

    Now, it only works on US currency and they lowered the cash back benefit for both on foreign currency and day-to-day purchases. The $15K minimum isn't a big deal assuming that is spread across both cards, but the other stuff is pretty shitty.

    We are grandfathered into the Capital One World Elite card, I should see if I can get another one for our joint card but I doubt they are allowing that.

  17. #1617
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    Yeah i can see how this is a major annoyance if you are big travellers especially outside of the US.

    I know that Visa/MC have voluntarily reduced merchant fees recently to please the government/businesses, so i can understand why they are diluting the card benefits. Also a lot of issuers have also been handing out WE cards without doing the proper checks (confirming 80k income) so it also makes sense now that they have the minimum spend to qualify for WE. I can imagine PC Financial / Triangle / other no-fee WE cards will start to implement tighter qualification controls for their cards as well.

  18. #1618
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    Home Trust has a $15K yearly minimum too.

  19. #1619
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    That was quite the nerfhammer that AMEX brought yesterday. wowza. Just got my wife's Plat Personal in on monday.

  20. #1620
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    Going to be cancelling my Rogers card too. I ended up just setting up a US account/credit card with RBC as most of my forex is USD. Any other forex will likely be business, so the forex fees are covered. For personal, non us travel....fuck.

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