What is your favorite reward credit card?

[schocker]

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Someone’s got to buy up all the playstations

[ExtraSlow]

Bonvoy is a good program.

[gwill]

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What percent cash back?

simply preferred is 2% back on everything. There's one without a yearly fee that has a smaller percentage.

[2Legit2Quit]

I'm trying to decide on a Mastercard to switch to, dropping my Westjet MC as I'm not flying through them enough to make use of the free bags/companion fare to justify the yearly fee. Also don't use it for anything other than Costco purchases.

Most likely going to drop my Scotia Amex gold next spring when it's up for renewal as I'm rarely hitting any multipliers on it after moving out of the city, so it's basically a 1% earner for Scene+ points now.

I have the Scotia Visa Infinite passport as well to which I plan on retaining as the no FX fee is handy to me and we use the lounge passes that come with the card so it pays for itself, earn rate is meh.

All the mastercards seem pretty lackluster compared to Visa/Amex cards, thought about just getting the Costco mastercard but for our spending it's effectively just a 1% earner, which isn't bad for being a free card but if I drop my Amex next year then kinda want something decent.

Rogers World Elite being no fee and 1.5% earn is appealing, but I hate Rogers so that's holding me back a bit.

BMO World Elite has some nice higher earn rates on groceries, gas, etc but sits at a $120 fee

[msommers]

Rogers World Elite is great, especially while working and expensing everything in USD

[ExtraSlow]

Low class rednecks like me like the Triangle card. Shirts are marks, shoes at sportcheck, yard stuff at Canadian tire. If you have a triangle gas bar near you they have a decent discount too, but there aren't many of those.

[vengie]

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Low class rednecks like me like the Triangle card. Shirts are marks, shoes at sportcheck, yard stuff at Canadian tire. If you have a triangle gas bar near you they have a decent discount too, but there aren't many of those.

I've heard the Triangle World Elite is pretty great.

As a person with young kids that will be playing copious amounts of sports it seems like a great bet for gear from Sport Chek, Hockey Experts, etc...

[ExtraSlow]

It helps that my fashion sense can basically be summed up by the marks catalog. Good card.

[ThePenIsMightier]

Zero annual fee and magically includes free roadside assistance (for British vehicles).

[2Legit2Quit]

The Canadian Tire in Sylvan Lake has a Marks inside of it, next level ExtraSlow shopping

[ExtraSlow]

[flipstah]

Anyone have an AMEX Gold here? When did it change from a charge card to a credit card?

Does that mean only the Platinum is the charge card left?

[Team_Mclaren]

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Anyone have an AMEX Gold here? When did it change from a charge card to a credit card?

Does that mean only the Platinum is the charge card left?

Even the Plat has a flexible payplan that'd loan u like a regular credit card.

[Rocket1k78]

^^Ive never had an amex before, is there any real benefit with them? I hear a lot of places dont even accept it

Got a new card and it came in a fancy box lol They offered a promo of 35k points i think and 6 free lounge passes so it kind of washes out the 400 annual fee.

[flipstah]

Fancy!

[flipstah]

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Even the Plat has a flexible payplan that'd loan u like a regular credit card.

I saw that too. You can split a purchase into three payments? And I believe it’s interest free.

How do they make money on that?

[16hypen3sp]

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^^Ive never had an amex before, is there any real benefit with them? I hear a lot of places dont even accept it.

They say they don't accept it but I always still try. The trick is to not tap it. Instead, insert and PIN. Have done that a few times without issue. Of course there are places that flat out don't accept it tho.

They had a good sign up benefit when I got mine. Paid our wedding vendors with it and easily hit the minimum spend requirement.

The real benefit from Amex is it's a decent travel card for things like travel insurance, lounge access, hotel status at multiple hotel chains, shit like that.

The Plat card is very expensive to have so best use is utilizing those travel benefits to get your moneys worth. First year cost is more than offset by SUB.

Gold card isn't too bad tho.

[msommers]

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I saw that too. You can split a purchase into three payments? And I believe it’s interest free.

How do they make money on that?

Probably a clause somewhere that states if you miss an installment they charge a regular interest rate (25%+)

[gwill]

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Probably a clause somewhere that states if you miss an installment they charge a regular interest rate (25%+)

I've read thru the clauses from what I could find on the installment plan option and didn't see much info there. It's a bit of a mystery to me as well. Essentially one could defer for 90 days and pay it off in full with no interest.

I believe the payment plan option with amex is to compete with the buy now and pay later credit cards that some big box stores offer.

For anyone carrying a balance on their amex it seems like a no Brainer to use.

[killramos]

Carrying a balance lol