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Thread: What is your favorite reward credit card?

  1. #1661
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    Quote Originally Posted by taemo View Post
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    for those with a Rogers mastercard, have you guys stopped receiving activity alerts that you may have configured for your account?
    I'm no longer receiving text or email alerts for any transaction over $1.00 since yesterday.
    Called their support # (useless) and waiting for an answer that may take 24-48 hours
    yup, i wasn't receiving them for a while there. Seems to be working fine now though.





    In other news, looks like the Capital One Aspire (for those that still had it) is now being downgraded. I'm surprised it took this long but it was great while it lasted if you were lucky enough to have it after they canceled it a few years ago:
    https://www.reddit.com/r/churningcan...aspire_nerfed/

    It's still pretty decent at 1.5% CB instead of 2% but with annual fee it might make more sense to go to something else

  2. #1662
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    Shit, I use this card for everything .. time to find a replacement..

    Also, bonus miles (10k) are going away too - covers some of the annual fee

    Edit: What do I spend my points on since we can't really "travel"? over 500k points
    Last edited by 403ep3; 06-29-2020 at 03:20 PM.
    GO FLAMES GO!

  3. #1663
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    Shit been using the ASPIRE card forever, you can redeem your points as cash back at 1.5% instead of 2% on travel rewards if you need to.

  4. #1664
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    https://www.americanexpress.com/ca/e...ash-preferred/

    This seems decent?
    $99 fee
    2% back on everything

    Cash back as annual credit on your bill. Seems simple enough?
    Originally posted by rage2
    Shit, there's only 49 users here, I doubt we'll even break 100
    I am user #49

  5. #1665
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    Bonvoy is still my favourite AMEX minus the Plat that I can’t afford anymore

  6. #1666
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    Quote Originally Posted by sabad66 View Post
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    In other news, looks like the Capital One Aspire (for those that still had it) is now being downgraded. I'm surprised it took this long but it was great while it lasted if you were lucky enough to have it after they canceled it a few years ago:
    https://www.reddit.com/r/churningcan...aspire_nerfed/
    I love this card, the 2% is awesome but the built in trip interruption/cancellation insurance is also a very nice touch if you travel a decent amount.

  7. #1667
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    Quote Originally Posted by sabad66 View Post
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    yup, i wasn't receiving them for a while there. Seems to be working fine now though.

    In other news, looks like the Capital One Aspire (for those that still had it) is now being downgraded. I'm surprised it took this long but it was great while it lasted if you were lucky enough to have it after they canceled it a few years ago:
    https://www.reddit.com/r/churningcan...aspire_nerfed/

    It's still pretty decent at 1.5% CB instead of 2% but with annual fee it might make more sense to go to something else
    it started to work for me shortly afterwards I posted this haha, they must have an outage on their service.

    glad I cancelled my C1 Aspire last year (I was starting to have regrets). Rogers seems to be the best bang right now due to no yearly fee and car rental insurance.
    Home Trust Visa for foreign transactions, saved me quite a bit already with some online US purchases.

    keeping the WJ RBC for travel protection.

  8. #1668
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    Quote Originally Posted by max_boost View Post
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    https://www.americanexpress.com/ca/e...ash-preferred/

    This seems decent?
    $99 fee
    2% back on everything

    Cash back as annual credit on your bill. Seems simple enough?
    Lot's of places don't take AMEX though, that's why the Capital One card was so damn good. I don't know that anything else out there is a flat 2% and still this easy to redeem.
    "Masked Bandit is a gateway drug for frugal spending." - Unknown303

  9. #1669
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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
    Sig nuked by mod.

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    Quote Originally Posted by Masked Bandit View Post
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    Lot's of places don't take AMEX though, that's why the Capital One card was so damn good. I don't know that anything else out there is a flat 2% and still this easy to redeem.
    My world Elite MasterCard from desjardins is $130 yearly fee, 1.5% first 20k purchases and 2% for everything after

    Is there such thing as a no fee 2% back card

    The Rogers MasterCard was so good until they made all their changes.
    Originally posted by rage2
    Shit, there's only 49 users here, I doubt we'll even break 100
    I am user #49

  11. #1671
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    The problem with AMEX for most people is that some major retailers that are common for people to do the bulk of their repeat shopping at don't take them. It's always changing, but last I checked this includes places like Superstore, Costco, lots of fast food places, etc. Many restaurants and smaller shops don't accept it either. That is a shit ton of points you would be forfeiting each year depending on where you shop/eat regularly. If you don't shop at any of those places though, they have expanded their acceptance to most other major retailers. Rewards on AMEX seem to be very good, at least on the high annual fee cards (some of them are very high). Acceptance used to be much worse in Canada but it has improved over the years - still missing some of the biggest retailers though.

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    AMEX does the “Shop Small” initiative where the site can tell you places that accept AMEX.

    Safe bets are gas and McDonalds so I’m good

  13. #1673
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    Looks like Desjardins has an Odyssey Visa Infinite Privilege that pays 2%. Annual fee is $395 and minimum income is $200K but isn't that already required to have a Beyond user account anyway?
    "Masked Bandit is a gateway drug for frugal spending." - Unknown303

  14. #1674
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    Sadly my Cap 1 travel card is no longer being grandfathered. I got a letter on Friday saying the 10,000 anniversary points are being discontinued and that instead of 2 rewards/$1, it's now 1.5 I'm sad, have had really good luck with this card for over 10 years now.

    Off hand does anyone else have this card? Did you stay or move to something else?
    Ultracrepidarian

  15. #1675
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    Quote Originally Posted by msommers View Post
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    Sadly my Cap 1 travel card is no longer being grandfathered. I got a letter on Friday saying the 10,000 anniversary points are being discontinued and that instead of 2 rewards/$1, it's now 1.5 I'm sad, have had really good luck with this card for over 10 years now.

    Off hand does anyone else have this card? Did you stay or move to something else?
    I have the card, but no idea what to switch to. Can't cancel the card till I use my 5k worth of points :/
    GO FLAMES GO!

  16. #1676
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    Quote Originally Posted by msommers View Post
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    Sadly my Cap 1 travel card is no longer being grandfathered. I got a letter on Friday saying the 10,000 anniversary points are being discontinued and that instead of 2 rewards/$1, it's now 1.5 I'm sad, have had really good luck with this card for over 10 years now.

    Off hand does anyone else have this card? Did you stay or move to something else?

    Quote Originally Posted by sabad66 View Post
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    yup, i wasn't receiving them for a while there. Seems to be working fine now though.





    In other news, looks like the Capital One Aspire (for those that still had it) is now being downgraded. I'm surprised it took this long but it was great while it lasted if you were lucky enough to have it after they canceled it a few years ago:
    https://www.reddit.com/r/churningcan...aspire_nerfed/

    It's still pretty decent at 1.5% CB instead of 2% but with annual fee it might make more sense to go to something else


    That's what kick-started the thread again, 2% doesn't seem to be much of a thing now with the exception of the higher end Desjardins card I found (see my earlier post).
    "Masked Bandit is a gateway drug for frugal spending." - Unknown303

  17. #1677
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    Thanks guys. I found this blogger helpful as well:

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

  18. #1678
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    Quote Originally Posted by msommers View Post
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    Thanks guys. I found this blogger helpful as well:

    http://blog.rewardscanada.ca/2020/06...ire-world.html
    I'm strongly leaning towards the HSBC World Elite, no ForEx and the annual travel enhancement are nice perks.

  19. #1679
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    you shouldn't use hsbc solely due to the fact that they are terrible hypocrites.

  20. #1680
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    I may just stick with the Rogers World Elite and cancel the Aspire as I will just miss my anniversary points by 2 fucking weeks ($100 worth). The Rogers card is 1.5% cashbacks and no annual fee and the rewards/redemption is easy. I don't spend a lot so the $15k/yr minimum spend might be a challenge. And my partner already has the WestJet card, and we don't travel enough to have two buddy passes per year.

    My only concern with the other cards on that blog is getting to use those points is a lot more restrictive (relatively), particularly the HSBC one that only seems to allow certain airlines.
    Ultracrepidarian

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