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Thread: What is your favorite reward credit card?

  1. #1981
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    More props for the Black Triangle MasterCard (Cdn Tire).

    Their bonus offers truly do stack. I just bought a $200 thing there (that was allegedly 40% off) and because I bought something >$150 today it gave me $30 in bonus CT money, plus because I activated some other offer last week of "get $15 bonus CT$ if you spend $60" that was still valid, it gave me that as well. Plus, I still got the normal 4% ($8) in CT$ from the original purchase price.

    So I just got $53 (or saved 27%) on a normal purchase and this card doesn't even have an annual fee! And, for no reason, it includes free Roadside Assistance! And you can pay your Calgary property tax with it!!


    Edit - or, if you believe their "regular price" is regular, then I saved 55%.
    (But that's not all due to the card).
    Last edited by ThePenIsMightier; 11-18-2021 at 03:38 PM.

  2. #1982
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    Fo sho ma bro! That's what real players run.
    Quote Originally Posted by rage2 View Post
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    I almost shat myself after eating way too much at lunch with @killramos so ya, we can start the diaper thread now.

  3. #1983
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    I must have missed the announcement but HomeTrust Visa Preferred no longer offers car rental insurance coverage as of spring this year, still great for oversea travel but will have to rely on my Rogers WE for rental now

  4. #1984
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    Update on the CIBC Costco credit card
    https://www.newswire.ca/news-releases/new-cibc-costco-mastercard-to-feature-upgrades-to-reward-categories-and-enhanced-cash-back-on-everyday-purchases-817516445.html

    The CIBC Costco Mastercard provides valuable benefits built from Costco member feedback, including the following new features:

    • More cash back on Costco.ca purchases and at Costco gas locations:
      • New 2% cash back earned on Costco.ca on purchases up to $8,000 (1% thereafter).
      • Earn 3% at Costco Gas and 2% at non-Costco gas stations on the first $5,000 spent on gas (1% thereafter).

    • A full 1% cash back on every purchase everywhere Mastercard is accepted, including at Costco warehouses.
    • Mobile Device Insurance coverage and other insurance protection available within CIBC's credit card lineup will be included on the CIBC Costco Mastercard.
    • Flexible payment plans through CIBC Pace It everywhere. Eligible Costco purchases at Canadian warehouses and at Costco.ca can be paid off in installments with special member interest rates and no installment fees.

    Additionally, cardholders will continue to receive 3% cash back at restaurants and the card will continue to have no annual fee.


  5. #1985
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    Capital 1 better but steal the hundreds of dollars I have earned this year on their program when this card transitions.

  6. #1986
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    Quote Originally Posted by ThePenIsMightier View Post
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    Capital 1 better but steal the hundreds of dollars I have earned this year on their program when this card transitions.
    Aren't they selling the whole portfolio?

  7. #1987
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    Does it still not include the membership 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.

  8. #1988
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    Quote Originally Posted by killramos View Post
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    Does it still not include the membership fee?
    Nope. That will always be a cash thing. The membership isn't a loyalty program.

  9. #1989
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    It doesn't include the Costco membership fee, but that membership charge shows up directly on my Cap1 bill.

  10. #1990
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    That CIBC costco card doesn't seem that great. I guess I'll keep with the Rogers world Elite until they finish eroding it's benefits.

  11. #1991
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    Quote Originally Posted by Buster View Post
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    Nope. That will always be a cash thing. The membership isn't a loyalty program.
    So does this card work for me if I currently use someone else’s extra membership card?

    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.

  12. #1992
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    Quote Originally Posted by killramos View Post
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    So does this card work for me if I currently use someone else’s extra membership card?

    What are you a student or something?

  13. #1993
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    Quote Originally Posted by Buster View Post
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    What are you a student or something?
    It’s been about that long that I have been borrowing a membership
    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.

  14. #1994
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    I think it's fine/good for a no fee card, will prob get it and drop my westjet MasterCard as I only use it at Costco, other cards I have have better earn rates.

  15. #1995
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    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
    Last edited by OTown; 11-25-2021 at 03:59 PM.

  16. #1996
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    Quote Originally Posted by OTown View Post
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    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).

    What's confusing is the amount of different cards out there. Anyone used this one? If so let me know how you find it, and if you guys can figure out if there are better ones out there for value.

    https://www.cibc.com/en/personal-ban...nite-card.html
    go to www.princeoftravel.com and look around. or churningcanada on reddit.

  17. #1997
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    I've been looking at a free mastercard. mostly for costco gas, anything better out there right now?

  18. #1998
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    Quote Originally Posted by Buster View Post
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    go to www.princeoftravel.com and look around. or churningcanada on reddit.
    Thank you!

  19. #1999
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    Quote Originally Posted by dirtsniffer View Post
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    I've been looking at a free mastercard. mostly for costco gas, anything better out there right now?
    MBNA is free and pretty bare bones


    Quote Originally Posted by Buster View Post
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    The benefit of masks is not known at this time. But we do know it is some non-trivial amount more than zero.

    We also know that the cost of mask use is, essentially, zero.

    So the cost:benefit of mask use is approaching infinity. I'll take that every time. And every time I see someone without a mask, I think they are stupid.

  20. #2000
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    Quote Originally Posted by dirtsniffer View Post
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    I've been looking at a free mastercard. mostly for costco gas, anything better out there right now?
    Tangerine. Open a (free) savings account with them to get a third category and then 2% cb no limits on gas groceries and recurring bills.

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