What is your favorite reward credit card?

[msommers]

I'm finding out about more and more reward cards that pretty much kick the crap out of mine so I'm thinking of looking into something else. I'm leaning more towards travel cards that I can use for flights but I'm open.

What do you guys like and why?

I'm torn between the Capital One Aspire Travel World MC and RBC's Avion Infinite Visa.

[flipstah]

I find that I don't spend enough to justify the annual fees.

My points accumulation isn't worth more than the annual so pfft to AeroGold or Avion.

If you want a no fee card, Amex Blue Sky ftw. But caveat is you have to use tiered redemption. Lame.

If no flights and just cash back, MBNA SmartCash Platinum. $50 automatically per $5000 purchase and 3x points for gad and groceries.

[Cos]

.

[canadian_hustla]

^ + 1 for MBNA cash back platinum (world?)
I am averaging $400/yr and it costs me $0.

[Zhariak]

No if's, and's, or but's:

American Express Platinum Charge card


I live and swear by this card... As a matter of fact, I'm actually going on a trip this weekend. Found a steal of a deal on a hotel, booked it to my amex... After the charge goes through I'll call and use my points to credit back the cost

[msommers]

Would have to be a MC or Visa as American Express isn't that widely accepted, worldwide.

The reason I'm leaning towards capital one is that, say I spend $30,000 in a year. That's 60,000 in travel points which equals a max ticket price of $600. The annual 10,000 points bonus ($100 equiv.) basically pays for the card cost of $120.

The card I have now does 2% on gas/groceries/bills and 1% on everything else w/ annual fee of $39 (brutal right).

[JLau]

I got TD infinite and MBNA cash rewards card...i think they are the best cards...

btw, does anyone know what card allows online betting?

[sabad66]

Originally posted by msommers
Would have to be a MC or Visa as American Express isn't that widely accepted, worldwide.

The reason I'm leaning towards capital one is that, say I spend $30,000 in a year. That's 60,000 in travel points which equals a max ticket price of $600. The annual 10,000 points bonus ($100 equiv.) basically pays for the card cost of $120.

The card I have now does 2% on gas/groceries/bills and 1% on everything else w/ annual fee of $39 (brutal right).

Using your example of 30k/yr that's still 300 - 39 + the extra percent for gas/groceries (let's call it $400 CASH total), so not as brutal as you think compared to one free $600 flight.

[msommers]

The cash portion is not important as I'd be using the cash for a flight anyways

There is also the $350 equiv. of flight dollars I'd get just for signing up.

I'm trying to find fault in the capital one card but I just cannot find a reason thus far.

[dj_rice]

Go on Redflagdeals.com and go into the Finance section. Someone took the time to review each credit card and has a calulator so you can input which gives the best rewards and etc etc.

As someone has said

MBNA Smart Cash
AMX True Earnings Costco

[Neil4Speed]

Originally posted by Zhariak
No if's, and's, or but's:

American Express Platinum Charge card


I live and swear by this card... As a matter of fact, I'm actually going on a trip this weekend. Found a steal of a deal on a hotel, booked it to my amex... After the charge goes through I'll call and use my points to credit back the cost

I have this too (for the past 5 years or so), I can't justify the new annual fee and will be switching to something else. Nice to have but at $700 a year, too much.

[Ed the SOHC]

The capital one aspire was rated #1 at least a couple years running. I have this card and I have no complaints but this was my first travel rewards CC.

[ExtraSlow]

Capital One Aspire is rated really well.
I run the RBC Infinite Avion and it's been great. Booking travel with Avion is 100% painless. So much better than the Air Miles card I had back in the day.

[toyboy88]

TD First Class Visa Infinite?

They recently upped the sign-up bonus to $200 free travel credit (from $100) as well.

Annual fee: $120 (I get it waved, since I have Select Service bank account with TD).

http://www.tdcanadatrust.com/product..._tnt=19427:8:0

[t_soarer]

MBNA Travel Rewards Platinum Plus

2 points for every 1 dollar spent. Redeem points on percentage basis (e.g. 10,000 pts = $100 off flights, 5666 pts = $56.66 off flights)

no Aeroplan set points redemption bullshit (redeem only on 15,000....30,000 etc.)


Fee: $89/year but waived if you've had an MBNA product for something close to 2 yrs or you are good at negotiating. They are actually receptive to ppl asking them to waive annual fees. Bet you 1st year can be waived as a sweetener.

Their flight booking system is awesome too.

[toyboy88]

Just realized "We Rate Canada's Best Credit Cards" is featured in this months Money Sense mag:


» Click image for larger version
&

» Click image for larger version



Guess Capital One Aspire is indeed the best.

[TomcoPDR]

Originally posted by JLau


btw, does anyone know what card allows online betting?

If you like the excitement and thrill of credit card betting. May I suggest you contacting Max_Boost and Sorath for their fun filled credit card roulette adventures.

There's a winner at every game.

[Super_Geo]

I use two:

MBNA Smart Cash
- no annual fee
- 3% cash back on gas and groceries (5% for the first 6 months)
- 1% cash back on everything else

RBC Avion Infinite
- $120/yr annual fee
- 2.00-2.33% towards flights (depending on where you're flying to)
- You get to pick your seats when you book your flights for free
- Car rental insurance, travel insurance
- Looks baller (but really isn't)

[ExtraSlow]

Found it odd that MoneySense didn't review the RBC Infinite Avion card.

[FraserB]

Originally posted by JLau
I got TD infinite and MBNA cash rewards card...i think they are the best cards...

btw, does anyone know what card allows online betting?

I have the TD Infinite as well, for online gambling I use EntroPay. VISA will let me load my virtual EntroPay card and all major sites will accept the EntroPay.