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Thread: What is your favorite reward credit card?

  1. #1761
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    Got ym triangle WE card in the mail. Setting up some bills on it since I have too many WJ points to ever use and I want to see how the triangle thing works out.

    For those that pay property tax with credit card, can you do that with your monthly TIPP payment or is that only if you pay your property tax once a year in a lump sum? Any way to automate this payment?
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  2. #1762
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    Quote Originally Posted by ExtraSlow View Post
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    Got ym triangle WE card in the mail. Setting up some bills on it since I have too many WJ points to ever use and I want to see how the triangle thing works out.

    For those that pay property tax with credit card, can you do that with your monthly TIPP payment or is that only if you pay your property tax once a year in a lump sum? Any way to automate this payment?
    I was never able to figure out how to do it with tipp but I would love to hear about it if anyone else has found a way. I think it’s only the lump sum you can do that

  3. #1763
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    Anyone go with the BMO eclipse Visa Infinite Privilege Card?

    $500 seems a little steep. BMO credits my $150 world elite each year so asked if they will do the same for this one.

  4. #1764
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    ^ Update for those interested. I called an account manager and they waived the $500 fee for me. Might be a YMMV situation depending on your relationship with the bank.

    Not bad as that means 50,000 bonus points, 200 credit and $500 waived. Reward points are now 5 to $1 from 3 to $1.

  5. #1765
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    Damn you must be a VIP to get them to waive a $500 YF like that.

    Looks like a great card but until travel gets back to normal it would be hard to justifiy the YF for me. Although really it would only be $150 net considering 500 less 150 credit for premium banking plan, less 200 "lifestyle credit".

  6. #1766
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    I have the Scotia Amex gold and the Scotia Visa passport Infinite, planning to keep the amex but thinking about dropping the visa unless they drop the yearly fee on account of not utilizing the lounge passes so that negates the yearly fee and the meh point accrual.

    Anyone in a similar boat and had luck getting yearly fees waived? Scotia is generally no fucks given so I don't anticipate much luck.

  7. #1767
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    I’m clearly too much of a pushover to bother spending hours on the phone to get my IP fees dropped.
    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.

  8. #1768
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    Not really hours, call in and ask if they want to retain my spending, waive the $140 fee or I just cancel and move to a different card, in my case would be through my actual bank since they offer me waived fee cards every month.

    Was just wondering if anyone has done so recently, especially centered around a card which perks are based around travel...and the whole no travel thing makes the perks non-existent so I'm just paying them $140 to use the card a year...woo

  9. #1769
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    The call wasn't more then 5-10 minutes. Anyone who can't be bothered to save $500 for 10 minutes makes a lot more then me...


    They did say that the standard credit they offer for premium accounts was not eligible for this card so it might be a ask / negotiation to get it.

  10. #1770
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    I can’t recall the last time I called RBC And wasn’t on hold for 3 hours.

    RBC already credits me something like $200 of my fee so the IP card doesn’t cost me THAT much.

    The extra points are well worth the fee let alone the perks.
    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.

  11. #1771
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    That card actually looks pretty good. I have nothing with BMO currently though, and have no interest in moving to them.

    TD offers such garbage CC's, but I'm not sure that's a reason to move all my accounts (edit: which I would need to do to get a shot at waiving the fee, as I'm also not into spending any money on a CC)

  12. #1772
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    Quote Originally Posted by sabad66 View Post
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    Yes. Itís an excellent card and no yearly fee so no downside really. It has a really cool feature where you can finance purchases of $250 or more for 2 years no interest

    You can also pay property taxes with it and get 1% CT money back.
    You hooked me up huge with the Cell plans and now this, did we just become brothers lol just signed up, no fees and 1% is a win win. Looks like theres a bunch of other perks at can tire with this card
    Quote Originally Posted by Mitsu3000gt View Post
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    and I did not have the only say in the matter (most people just want it done ASAP and don't care about quality).
    Quote Originally Posted by Mitsu3000gt View Post
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    If anything we made a better decision because we had a consensus and were all on the same page.

  13. #1773
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    So I like to slap a max amount on a card when I buy a car, which is upcoming. I think I can do $5k on the car, which is the most dealers normally allow.

    I've already got an Amex platinum personal and Amex Plat Business for both my wife and myself. I've also got a gold business for me. So I think my Amex opportunities are pretty limited?....although I haven't checked really.

    Any ideas on how to maximize a $5k spend?

  14. #1774
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    Given how different things are still in regards to travel restrictions, I'd just make sure your rewards points are something you can actually use these days. That's the biggest reason I have the triangle card now and use that more than the WestJet card.

    No other strategy tips.
    Quote Originally Posted by killramos View Post
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    If there is one thing I know for sure. ES has no Aspen goals

  15. #1775
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    My CIBC Dividend infinite is 100 now for the primary card holder and $25 for a 2nd card, I think, it went up last year a little bit.

    Virtually everything we buy goes through CC except mortgage, car payments and the handful of things that dont happen with CC like contractor work.

    I think we received 1000 last year in cash back, so it more than made up for the fees.

  16. #1776
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    Quote Originally Posted by ExtraSlow View Post
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    Given how different things are still in regards to travel restrictions, I'd just make sure your rewards points are something you can actually use these days. That's the biggest reason I have the triangle card now and use that more than the WestJet card.

    No other strategy tips.
    Makes me wonder when AC is going to axe, or nerf, Aeroplan. They sure as hell aren't going to want to be flying people around for free when travel begins again, and shitloads of people have points saved.

  17. #1777
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    Well they have been collecting all the proceeds all this time without having to pay out any flights so I would say AC has other things to worry about lol
    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.

  18. #1778
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    Didn't Air Canada sell Aeroplan?
    Quote Originally Posted by killramos View Post
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    If there is one thing I know for sure. ES has no Aspen goals

  19. #1779
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    Quote Originally Posted by ExtraSlow View Post
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    Didn't Air Canada sell Aeroplan?
    They bought Aeroplan back a couple of years ago.

  20. #1780
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    I can't keep up apparently
    Quote Originally Posted by killramos View Post
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    If there is one thing I know for sure. ES has no Aspen goals

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