What is your favorite reward credit card?

[Masked Bandit]

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Thanks guys. I found this blogger helpful as well:

http://blog.rewardscanada.ca/2020/06...ire-world.html

Thanks for the link, the first one on there is MBNA with basically the same perks as the outgoing Capital One. 2% earn, better annual bonus (20,000 points or $200 value) same annual fee of $120. What am I missing here?

[tha_bandit]

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Thanks for the link, the first one on there is MBNA with basically the same perks as the outgoing Capital One. 2% earn, better annual bonus (20,000 points or $200 value) same annual fee of $120. What am I missing here?

No travel insurance, etc.

[Masked Bandit]

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No travel insurance, etc.

Good catch on the no travel insurance. For my personal situation the half a percentage point difference in rewards is worth about $1250 a year and the wife has decent travel insurance through work so it should make sense for us. Even with buying stand alone travel insurance though I suspect this option (for us) would come out ahead.

[sabad66]

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Thanks for the link, the first one on there is MBNA with basically the same perks as the outgoing Capital One. 2% earn, better annual bonus (20,000 points or $200 value) same annual fee of $120. What am I missing here?

Looks like it’s just a onetime welcome bonus of $200, not an annual bonus

[Masked Bandit]

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Looks like it’s just a onetime welcome bonus of $200, not an annual bonus

There's an extra 10,000 points ($100) if you sign up for electronic documents but I get the point that it's not an annual bonus like Capital One was.

[bjstare]

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Westjet and their mastercard are offering up to 3% on WJ Dollars or credit statement

https://westjetrbcmc-offer.com/westjet/enroll

Thanks for this. I had no idea it was happening, they didn't do a great job of promoting it, IMO.

[sabad66]

Looks like Rogers is planning on launching a Muse card in October:
https://www.reddit.com/r/PersonalFin...tm_name=iossmf

Muse is a new high end tier of Mastercards (higher than World Elite) which competes against high end amex/visa infinite privilege products.

Income requirement is pretty high at 125k/200k household, but according to that reddit thread they are going to offer upgrades to their existing WE customers with first year free so it could be worth signing up for it just to get that offer

im sure other issuers are looking to launch Muse products soon so will be interesting to see what else is going to be out there

[msommers]

Will be interesting to see the minimum yearly spend and actual annual fee

[sabad66]

Rogers MC finally works with Apple/Google/Samsung Pay as of today. This was always a major annoyance for me so happy to see they finally implemented it.

[taemo]

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Rogers MC finally works with Apple/Google/Samsung Pay as of today. This was always a major annoyance for me so happy to see they finally implemented it.

finally!.
worked for me, thanks for the tip!

[killramos]

Wonder what Visa’s next ultra exclusive tier will be to one up Muse.

My vote is Visa Infinite White Privilege

[ThePenIsMightier]

I think the Cdn Tire MasterCard just upped their rebate on groceries. I can't recall numbers, but does anyone know if this is a better rebate rate than WestJet MasterCard?
**(Assuming $1 CT money = $1 WJ dollars.)

[sabad66]

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I think the Cdn Tire MasterCard just upped their rebate on groceries. I can't recall numbers, but does anyone know if this is a better rebate rate than WestJet MasterCard?
**(Assuming $1 CT money = $1 WJ dollars.)

Did the grocery earn rate change recently? I thought it was always 3% back in CT money for the Triange WE card but i could be wrong.

The standard Triangle card is 1.5% for groceries (4% at CT brands, 0.5% everything else) which is equivalent to the WJ card (straight 1.5% back on everything)

[88CRX]

Westjet fucking us around on a cancelled flight that they cancelled; wont refund us and told us to take it up with our CC holder (which is an RBC WJ Mastercard) to start a charge-back. Did that and now RBC rejected the charge-back because WJ gave us travel bank credits (which I clearly stated I did not want originally to WJ and again to RBC).

Fuck them both. WJ and RBC are soon to be dead to me.

[Mostwanted]

Just happy that the Rogers Mastercard finally is available on Apple Pay, after so many years of having it

[Mitsu3000gt]

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Westjet fucking us around on a cancelled flight that they cancelled; wont refund us and told us to take it up with our CC holder (which is an RBC WJ Mastercard) to start a charge-back. Did that and now RBC rejected the charge-back because WJ gave us travel bank credits (which I clearly stated I did not want originally to WJ and again to RBC).

Fuck them both. WJ and RBC are soon to be dead to me.

Different card, but I was in the identical situation with WestJet and my CC refunded me. What I told them was the travel bank wasn't cash, and it expired, and that the expiry date was probably before I would be able to travel again so I likely wouldn't be able to use it at all and therefore I would be at a complete loss. You may have already told them all that, but I think it helped that I told them it expired, wasn't a cash equivalent, and I probably wouldn't be able to use it. Not sure if you have the opportunity to try again or not. WJ was quick to empty my travel bank after that haha, but that was fair.

Regardless, sorry to hear that, it sucks. I used to have a BMO card back in the day and they refused to cover me for a blatantly obvious $50 fraud charge from Nigeria, so I cancelled it same day.

[Masked Bandit]

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Westjet fucking us around on a cancelled flight that they cancelled; wont refund us and told us to take it up with our CC holder (which is an RBC WJ Mastercard) to start a charge-back. Did that and now RBC rejected the charge-back because WJ gave us travel bank credits (which I clearly stated I did not want originally to WJ and again to RBC).

Fuck them both. WJ and RBC are soon to be dead to me.

We're having the same problem with AC so it's not like you've got a lot of choice.

[The_Rural_Juror]

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Wonder what Visa’s next ultra exclusive tier will be to one up Muse.

My vote is Visa Infinite White Privilege

A white card to battle the black centurion.

[Zhariak]

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A white card to battle the black centurion.

Speaking of the Centurion card...

We got a nice little Amex Offer for $500 for everyday essentials. I didn't even realize what it was until I went shopping at Sobey's and had the full purchase credited back (I sign up for most offers without reading them fully). Credits up to $500 for purchases made at Sobey's, Metro, Longo's, Save on Foods, and Uber Eats. Until August 27th.

[gwill]

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Westjet fucking us around on a cancelled flight that they cancelled; wont refund us and told us to take it up with our CC holder (which is an RBC WJ Mastercard) to start a charge-back. Did that and now RBC rejected the charge-back because WJ gave us travel bank credits (which I clearly stated I did not want originally to WJ and again to RBC).

Fuck them both. WJ and RBC are soon to be dead to me.

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We're having the same problem with AC so it's not like you've got a lot of choice.

There is a choice. You have rights but canadians choose not to exercise them. Instead they roll over and let the airlines decide what to do with your money.

If you fight there is no reason not to get your money back. Air line passenger rights Canada facebook group has all sorts of templates available to assist you with a refund. More importantly if you have to sue the templates will assist you with how to win.

You will be successful if you want your money back.