What is your favorite reward credit card?

[94boosted]

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I'm in the same boat for the BMO World Elite card. Only have it because the annual fee is waived since I do my banking there. The lounge passes are nice to have. I didn't have as good an experience booking flights/hotels through BMO rewards. Did a hotel in Paris and a flight to Barcelona. First off the website was terrible. My bookings were a year apart and both times getting anything done was extremely slow and would fail to make the booking and I had to keep trying for an hour or so before it would make the booking. The first time I gave up and used the call center to book which they charge another $30 for. Value wise it seemed more expensive than booking through Expedia.

The one good thing though. They run promos where they multiply the points every once in a while. They had a 5x points on dining the same month of my wedding reception. The got 11% in points that night paid for the whole flight

Thanks for the feedback, reading reviews of the HSBC it seems as though the redemption process for it is more in line with the process for Capital One, aka super easy.

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UPS is considered travel. So is Canada Post. Also if you take a Uber that counts a travel as well.

Yah Capital One's definition of "travel" is somewhat loose. We went to Banff for the weekend a couple months ago which used up a nice chunk of points, then I purchased a gift card from the hotel for a future stay and redeemed that also (full value unlike redeeming for a gift card directly through Capital One). The last few hundred bucks worth of points I'll probably just do a statement credit for, I know the value isn't as good but that's ok.

[Buster]

My wife's Platinum Amex is coming up for cancellation time right away. She doesn't currently have another Amex - should I just transfer her points to Aeroplan or something?

[jacky4566]

You can but the Aeroplan points are not as great as the AMEX points. Amex points can be used for WestJet which can be nice to certain destinations like direct flights to Belize.
Other options:
- Convert them to dollars. "use points for purchases" anything listed as "1000 Points = $10" is not a bad deal.
- Buy some of the merch. Usually anything under the Special offers area is pretty decent. I got a new Kitchen Aid mixer for half retail cost.
- Convert to aeroplan if you already have a bunch.
- Also dont forget you have a $200 travel voucher with the AMEX plat that will carry over to next year for $400 total. I plan to use mine for a mini vacation.

Also, What are peoples thoughts on the new aeroplan rewards? better or worse than the old system? Hard to tell until we can start traveling.

[Buster]

I grabbed her a gold card to hold the points and get some more.

In the meantime, the new Amex offers are nuts! Is anyone going to get the Bonvoy or Aeroplan cards?

[Team_Mclaren]

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I grabbed her a gold card to hold the points and get some more.

In the meantime, the new Amex offers are nuts! Is anyone going to get the Bonvoy or Aeroplan cards?

any good Aeroplan cards on new offer? I cant find one that's attractive enough

[adam c]

Where do you even use Amex? Back when I had mine I could only use it at Costco and a few different places, when Costco switched to MC I cancelled it since it was never used

[killramos]

It’s very commonly accepted in the United States.

Acceptance gets worse the further away from the center of the world you get.

[Buster]

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any good Aeroplan cards on new offer? I cant find one that's attractive enough

Seems good to me?

https://princeoftravel.com/blog/amex...n-cards-offer/

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Where do you even use Amex? Back when I had mine I could only use it at Costco and a few different places, when Costco switched to MC I cancelled it since it was never used

Restaurants, hotels, travel stuff, amazon, bike stores, i dunno.

The only places that seem to not like amex are low margin businesses, although even memex accepts it.

[flipstah]

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I grabbed her a gold card to hold the points and get some more.

In the meantime, the new Amex offers are nuts! Is anyone going to get the Bonvoy or Aeroplan cards?

Bonvoy is a good card to have with their insurance coverage + access to majorit of hotels that isn’t Holiday Inn

Love mine

[bjstare]

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Restaurants, hotels, travel stuff, amazon, bike stores, i dunno.

The only places that seem to not like amex are low margin businesses, although even memex accepts it.

Ya back when I was travelling a lot and using my Corp card, I don’t think I found a single place that wouldn’t accept Amex.

[killramos]

I’ve never personally had one, but I remember my dad getting fucked over with it in Europe and South America on the regular.

[ExtraSlow]

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but I remember my dad getting fucked in Europe and South America on the regular.

They fucked your dad.

[killramos]

That’s what I said yes

[ThePenIsMightier]

You should demand reparations.

[killramos]

A Spaniard demanding reparations from South Americans…

That might just be crazy enough to work.

[Mitsu3000gt]

I'm finally getting around to replacing our Rogers World Elite card ever since they removed every perk that most people got it for in the first place.

What are you guys using for no-FX fee cards that also have rewards? I don't care about an annual fee unless it's outrageous.

Scotiabank Passport Visa Infinite looks good, points seem easy to redeem and you also get double points on restaurant, groceries, and entertainment purchases. 6 free lounge visits per year. One free supplementary card.

HSBC World Elite MasterCard also looks good, 3% on travel purchases, 1.5% on all other purchases and LoungeKey.

The Brim cards look OK but their travel benefits seem pretty bad (particularly medical) and all rewards are capped at $25K annual.

I'm leaning towards the Scotiabank card.

[Team_Mclaren]

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Seems good to me?

https://princeoftravel.com/blog/amex...n-cards-offer/

But I'm too Chinese to pay annual fees.

[flipstah]

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You should demand reparations.

How do I get in on this? I'm a minority

[Buster]

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But I'm too Chinese to pay annual fees.

Wait, you're not a whitey either?

Between you and @suntan , I don't know what to think any more.

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I’ve never personally had one, but I remember my dad getting fucked over with it in Europe and South America on the regular.

I'd never carry an Amex as my only card. I have at least one of all three type in my wallet.

[killramos]

I have bizarrely never carried more than one CC before. I don’t have a good answer as to why.