What is your favorite reward credit card?

[killramos]

Visa Infinite Avion does not come with lounge access, but I think the travel rewards are quite valuable esp if you are banking with RBC and get the fee rebated.

The Visa Infinite Privilege Avion comes with lounge access as well as a bunch of other things extra as well as higher number of points earned for non travel dollars. But has a very steep fee and a very high minimum income level to qualify ( though in my experience they offer it up pretty freely to Avion infinite cardholders ). You do not need to be a private banking client to get this card, that is a different card and is under a completely different system.

The Avion Infinite Privilege is black compared to the standard infinite card which is grey, but generally when people refer to the RBC "Black" card they mean the private banking one which you can get as a private banking client.

RBC website is pretty good at comparing the two cards if you are interested. I have been using Avion for the past 5 years and really like it, upgraded to the IP Avion last year and I think its a good value so long as you can get your 6 lounge visits in, if you travel for business you are gold. The lounge program is PriorityPass which is pretty comprehensive and I have never had an issue finding a lounge in any major airport.

Overall its not the most popular rewards program on here but if used properly you can get some serious % return if you are using the flight redemption properly. I have racked up a ton of points and I think I'm going to use it to fly me and the wife to Oz next summer to dive the great barrier. Was looking and it cuts flight costs down to like 200pp return.

[ExtraSlow]

I have the "regular" infinite avion and it's a flexible and easy to use travel rewards program. I get a partial discount on the fee die to other products with rbc.

[dj_rice]

http://www.rbcroyalbank.com/credit-c...ite-avion.html

This one.

[ExtraSlow]

Pfft, that's the peasant one even I have. (it's a great card).

[dj_rice]

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Pfft, that's the peasant one even I have. (it's a great card).

LOL I'm just gonna switch it. Paying same yearly fee for the Platinum one so might as well get the higher tier.

[GTS Jeff]

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Visa Infinite Avion does not come with lounge access, but I think the travel rewards are quite valuable esp if you are banking with RBC and get the fee rebated.

The Visa Infinite Privilege Avion comes with lounge access as well as a bunch of other things extra as well as higher number of points earned for non travel dollars. But has a very steep fee and a very high minimum income level to qualify ( though in my experience they offer it up pretty freely to Avion infinite cardholders ). You do not need to be a private banking client to get this card, that is a different card and is under a completely different system.

The Avion Infinite Privilege is black compared to the standard infinite card which is grey, but generally when people refer to the RBC "Black" card they mean the private banking one which you can get as a private banking client.

RBC website is pretty good at comparing the two cards if you are interested. I have been using Avion for the past 5 years and really like it, upgraded to the IP Avion last year and I think its a good value so long as you can get your 6 lounge visits in, if you travel for business you are gold. The lounge program is PriorityPass which is pretty comprehensive and I have never had an issue finding a lounge in any major airport.

Overall its not the most popular rewards program on here but if used properly you can get some serious % return if you are using the flight redemption properly. I have racked up a ton of points and I think I'm going to use it to fly me and the wife to Oz next summer to dive the great barrier. Was looking and it cuts flight costs down to like 200pp return.

The black RBC card is one of those examples of how the more you money you have, the less things cost. The card pays for itself probably 10-15x over if you use it well.

The trick as well, with free lounge access, is to pocket as many bottles of free beer as you can to bring on the plane. The dirty stares in the lounge are offset by the envious stares as you start pulling them out mid flight.

[Swank]

I could have sworn the the Rogers Platinum MC was 2% cash back when I first got it, either way it's 1.75% now and I recently found out that it's really limited in how you can use the cash back. You can only use the cash back as follows (as stated on the cash back portal):

Eligible Rogers purchases include: your monthly Rogers, Fido and chatr bills; purchases made in Rogers and Fido branded stores; and online purchases at Rogers.com, Fido.ca and The Shopping Channel. Visit Rogersbank.com/rewards for a complete list.

The ONLY way to use it for anything else is to request a lump sum payout BEFORE Dec 1 which will be applied to your balance on the January statement. This info is not provided on the website anywhere, how dodgy is that? You want the cash back in April? Tough! August? No way! January, but you forgot to call until Dec 2nd? Too bad sucker. I was saving up for a trip to Vegas, but I’m not going in January so I’ll have to request the payment before Dec 1st this year and sit on the lump sum payout for 4 months.

[ee2k]

Does Amex still have the conditions that state that they only give welcome bonus to new customers? Their Aeroplan Platinum card was generous!

[nickyh]

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Apparently the BMO World Elite Cashback 1.75% is going down to 1.50% in September. Might start shopping around again to see what's out there.

Any suggestions for cashback cards? I don't care much for tiered stuff and would prefer if the fee could be waived with a minimum balance.

I hate when companies do this. I'm with BMO as well - time for a change i guess.

[max_boost]

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I could have sworn the the Rogers Platinum MC was 2% cash back when I first got it, either way it's 1.75% now and I recently found out that it's really limited in how you can use the cash back. You can only use the cash back as follows (as stated on the cash back portal):

Eligible Rogers purchases include: your monthly Rogers, Fido and chatr bills; purchases made in Rogers and Fido branded stores; and online purchases at Rogers.com, Fido.ca and The Shopping Channel. Visit Rogersbank.com/rewards for a complete list.

The ONLY way to use it for anything else is to request a lump sum payout BEFORE Dec 1 which will be applied to your balance on the January statement. This info is not provided on the website anywhere, how dodgy is that? You want the cash back in April? Tough! August? No way! January, but you forgot to call until Dec 2nd? Too bad sucker. I was saving up for a trip to Vegas, but I’m not going in January so I’ll have to request the payment before Dec 1st this year and sit on the lump sum payout for 4 months.

I have the Rogers but I'm also with Rogers & Fido for phones so it's nice having the rewards applied right away.

I also have the Desjardins World Elite MC and I like it a lot. https://www.desjardins.com/ca/person...card/index.jsp

$130 yearly fee, 1.5% for first $20k purchases and 2% anything above that. I got this for the comprehensive insurance products. If you pay your bills on time you can get up to an extra $200 in bonus rewards which will wipe out the yearly fee and make it very close to a no fee 2% travel card!

[dirtsniffer]

Fuck Desjardins

[NoSup4U]

Is no one rocking a PC WE??

Returns are great if you do your grocery shopping at any Loblaw's chain, and no annual fee;

10 points per dollar on all purchases
30 points per dollar in store/ Shoppers
7 cents per liter at Refuel locations ($4.10 per tank on my car)

I have only had a little over a month and am already at $70 in free groceries. Still have an Aeroplan Infinite Privilege for travel, but I'm starting to wonder if its really worth it (I can buy the Priority Pass membership for less than the annual fee)

[craigcd]

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Is no one rocking a PC WE??

Returns are great if you do your grocery shopping at any Loblaw's chain, and no annual fee;

10 points per dollar on all purchases
30 points per dollar in store/ Shoppers
7 cents per liter at Refuel locations ($4.10 per tank on my car)

I have only had a little over a month and am already at $70 in free groceries. Still have an Aeroplan Infinite Privilege for travel, but I'm starting to wonder if its really worth it (I can buy the Priority Pass membership for less than the annual fee)

This is also what I use, havent found another card that provided enough incentive to change. If you shop at Superstore and use their gas it seems to be good value.

[dj_rice]

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Is no one rocking a PC WE??

Returns are great if you do your grocery shopping at any Loblaw's chain, and no annual fee;

10 points per dollar on all purchases
30 points per dollar in store/ Shoppers
7 cents per liter at Refuel locations ($4.10 per tank on my car)

I have only had a little over a month and am already at $70 in free groceries. Still have an Aeroplan Infinite Privilege for travel, but I'm starting to wonder if its really worth it (I can buy the Priority Pass membership for less than the annual fee)

I am. Before card, I was using my debit card for gas/groceries. My PC points was around 400K. Ever since getting the card, I'm doubled it to 900K now which is $900. Those 30 points/dollar is great return. Was only getting 10 points on Debit.

Before getting this card though I had the MBNA World MC, then they converted it to a Visa..sigh...

[max_boost]

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Fuck Desjardins

lol ya I am not a big desjardins fan either. when Statefarm got bought out by them I immediately left Statefarm but for this credit card I think they are useful haha

[tonytiger55]

Anyone using the Costco Cashback Mastercard..?

I need to start shopping around for a new CC. I don't spend much on the CC as my peasant salary does not allow for it. TD sent me a letter that they will be discontinuing the Cashback mastercard and replacing it with some bollocks other one.

[blownz]

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Anyone using the Costco Cashback Mastercard..?

I think it is one of the best free cards out there. I have one but mostly only use it for eating out (3% cash back) and gas (2% cash back) and then at Costco for convenience. I still manage to get over $100 per year just for that and it costs nothing and since it doubles as your Costco card it doesn't add a card to your wallet.

[taemo]

I noticed a British Airway transaction on my C1 Travel Aspire CC, called them 2 weeks ago and they said they were going to rush and send me a new card. Still nothing

Debating on going back to RBC Infinite Avion but I just like how rewards works with C1

[Mitsu3000gt]

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I noticed a British Airway transaction on my C1 Travel Aspire CC, called them 2 weeks ago and they said they were going to rush and send me a new card. Still nothing

Debating on going back to RBC Infinite Avion but I just like how rewards works with C1

I've had that card replaced 3 times now (same for other family members) from fraud and it's always 3 days or so for replacement. Something is not right if it's taking 2 weeks, that is definitely not normal in my experience. They have had by far the best customer service of any CC I have owned to date, but I haven't needed too much from them since my massive fraud issue (that they fully saved me from).

[taemo]

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I've had that card replaced 3 times now (same for other family members) from fraud and it's always 3 days or so for replacement. Something is not right if it's taking 2 weeks, that is definitely not normal in my experience. They have had by far the best customer service of any CC I have owned to date, but I haven't needed too much from them since my massive fraud issue (that they fully saved me from).

ill give them a call for a status update then.
have you ever had to use your C1 card for car rental claim insurance, curious to see if it's as easy as RBC.