What is your favorite reward credit card?

[Toma]

Originally posted by LadyLuck


Negative. The TD Infinte Aeroplan is 120 annualy, I was told that same thing and then got charged. turns out its the TD First Class Travel is free with 5K in your account. TD is saying that in the "near future" the aeroplan will also be part of that deal. I was told this less than 2 weeks ago while visiting my branch.

Talk to a manager, all their cards are free with a switch to the good acount, free small safety deposit box, free checks, free transactions, free bank drafts etc.

[move]

Originally posted by Toma


Talk to a manager, all their cards are free with a switch to the good acount, free small safety deposit box, free checks, free transactions, free bank drafts etc.

ive went twice and tried asking two different tellers. gotten the same reply saying that the aeroplan has a fee. i have the all inclusive TD acc btw.

i dont see a point paying for cc's so just sticking w infinite travel for now

[Toma]

well, then there was more than one confused. Silly bankers. lucky i didnt sign up. i woikda heen pissed haha.

[dirtsniffer]

I just got thhe TD infinite aeroplan for free with my all inclusive plan. Don't know what you were getting the run around.

[OTown]

Anyone used this yet? Seems like a decent rewards CC but I dont know anyone that's carried it. Anyone know?

CIBC Aventura Infinite

https://www.cibc.com/ca/visa/aventur...nite-card.html

[Feruk]

Originally posted by LadyLuck
Negative. The TD Infinte Aeroplan is 120 annualy, I was told that same thing and then got charged. turns out its the TD First Class Travel is free with 5K in your account. TD is saying that in the "near future" the aeroplan will also be part of that deal. I was told this less than 2 weeks ago while visiting my branch.

I went yesterday on an unrelated issue and the teller brought up the Aeroplan card. It's free.

[sabad66]

TD's website says that Infinite Aeroplan is waived:
https://www.tdcanadatrust.com/produc...sp#credit-card

I would just call in and show them that.


BMO also waives the fee for their World Elite if you use their $30 banking plan (free if you maintain $5k minimum in chequing)

[move]

sounds like its time to make the switch to aeroplan card then.

do you guys know if i can still redeem my infinite travel points if i make the switch? or should i just redeem the points before switching?

[Manhattan]

Aeroplan is brutal. They should say 50% off a flight because that is what you pay after taxes. Most other CCs cover the whole bill.

[flipstah]

Yup. Aeroplan sucks in terms of redemption plus their SA fleet sucks. OneWorld or SkyTeam are better IMO.

[rx7boi]

I was reading this Vice article and it was pretty interesting.

Thought I'd share with the rest of you guys.

http://www.vice.com/read/how-to-trav...world-for-free

[flipstah]

Originally posted by rx7boi
I was reading this Vice article and it was pretty interesting.

Thought I'd share with the rest of you guys.

http://www.vice.com/read/how-to-trav...world-for-free

I love The Points Guy. If you all aren't on Flyertalk yet, get yo asses on it. Some good deals to be had if you look really hard.

[Manhattan]

Originally posted by rx7boi
I was reading this Vice article and it was pretty interesting.

Thought I'd share with the rest of you guys.

http://www.vice.com/read/how-to-trav...world-for-free

Rules and rewards are way different in the USA where there's less regulation and banks are way more predatory which is partially what led to the financial crash in '07. Most of that stuff isn't really applicable in Canada. You just get much better deals in the US on everything including CC rewards.

[Ed the SOHC]

Originally posted by Mitsu3000gt
Just got an email from Capital One - the best just got better:

1) No more redemption tiers

2) No more minimum redemption requirements

3) Introducing partial redemptions

EDIT: Tested this already, works perfectly for a partial redemption, no minimums.

I've had my Capital One Aspire card since 2011 and I really like this card but it drives me crazy that you cannot EVER increase your credit limit with this card. Back in 2011, the credit limit they gave me worked for me and my wife but now with kids and a new career, it's just not enough. I've escalated this with Capital One a couple years back and again this year but nothing ever changes.

[guessboi]

^ +1 - there is no way for them to increase the credit limit

I have the world aspire cash and my wife has the aspire travel elite.
I have a $3,000 limit and she has a 14,000 limit.

So what I do is just get an extra card until her account and I use that elite card since I pay all the bills.

[LadyLuck]

Originally posted by dirtsniffer
I just got thhe TD infinite aeroplan for free with my all inclusive plan. Don't know what you were getting the run around.

Yeh, I was told the same thing when I signed up. A year later I see the annual fee charge on my statement, that's when I went in and spoke with them.

Keep an eye on your statements and make sure you don't get the same runaround

[Masked Bandit]

Originally posted by Mitsu3000gt
Just got an email from Capital One - the best just got better:

1) No more redemption tiers

2) No more minimum redemption requirements

3) Introducing partial redemptions

EDIT: Tested this already, works perfectly for a partial redemption, no minimums.

Yep, if the Capital One card wasn't the best before, it sure is now. The only thing I don't like is that you can no longer transfer points from one account to another. The wife and I have two separate accounts and we used to simply flip all the points from on to the other. Can't do that any more.

[rinny]

Originally posted by Manhattan
Aeroplan is brutal. They should say 50% off a flight because that is what you pay after taxes. Most other CCs cover the whole bill.

For the most part, I don't disagree. However I recently found that if you use your points on flights where Air Canada doesn't get involved, your value goes way up.

For instance, I've recently found flights for the following
Calgary to Chicago to London
30k points and 80 in taxes flying United
Nice 8hr layover in Chicago to give us time to see the city

Amsterdam to Calgary via Houston for 3 hours all through United
Same points and tax

This is a good deal in my eyes, equivalent multi city flight is 1500.

So 1350/60k points is return of 2.25c per mile which is pretty decent.

[flipstah]

I also found Aeroplan to be very restrictive on how to use the points. I.e. Can't buy it on certain flights, blackout dates, can't customize flights if there are layovers...

That was a while ago so it may have changed.

[Vmack]

Is the RBC Avion still a popular choice or should I be looking elsewhere for a better product?