What is your favorite reward credit card?

[flipstah]

Originally posted by msommers
Flip, did you get that Scotia one? Looks like really good cashback

Woops. Haven't checked in a while here.

Yeah, I got the Momentum Infinite and will be picking it up once I get back from Hong Kong.

I'm actually conflicted to cancel the AMEX. When I went to Malaysia, Le Meridien upgraded my room because of SPG Platinum that I get with the card at no charge.

Plus the lounge access has been useful when I had layovers: Shower, free lunch/dinner/snack, comfy area to recharge and decompress....

I think ill just get the airport pass separate once I cancel.

[Mitsu3000gt]

Originally posted by Mostwanted


WOW anniversary bonus of 10,000 every year! I just checked there site and says nothing about it
sounds like a pretty good benefit to me,

I just got the same letter in the mail, it says I still get the 10,000 free points annually ($100) and 2 points per dollar spent. Same as the old card. Still the best card IMO. Nothing else pays you 2% on every purchase and the annual fee is only $20 thanks to the bonus points.

[msommers]

Flip, what airport pass? That sounds awesome!

I might cancel my MC Aspire before the renewal and try to use as many points as I can before hand. I honestly think the cashback from the Momentum is better. Or maybe I'll keep it and pay the annual as a travel "savings" account

The VISA momentum is better for gas, groceries and bills while the MC is better for everything else I think.

[Mitsu3000gt]

What does the momentum work out to in % cash?

I've been getting around $1,100/year out of my Capital One card which is amazing (especially compared to the AirMiles shit I had before haha).

[flipstah]

Originally posted by msommers
Flip, what airport pass? That sounds awesome!

I might cancel my MC Aspire before the renewal and try to use as many points as I can before hand. I honestly think the cashback from the Momentum is better. Or maybe I'll keep it and pay the annual as a travel "savings" account

The VISA momentum is better for gas, groceries and bills while the MC is better for everything else I think.

AMEX Platinum comes with Priority Pass, which is the airport lounge program. Only reason why I kept it for so long haha.

[gwill]

Ugh i feel so stupid with my scotia gold passport visa... especially seeing those with the 10,000 recurring points..

even the momentum infinite would be better... time to get on this. Seems like amazon has a free $75 gift card when signing up for this one on their website.

[flipstah]

So major banks in HK don't carry AMEX in their ATMs and only one carries them.

Fml.

[Tik-Tok]

I'm definitely cancelling my AMEX.

I went to buy a rather large purchase online, and was declined (tried it 3 times). Finally used my Visa with no problems. Next day at 11am AMEX calls to tell me about the "attempted fraudulent transactions", and that it was automatically declined because it wasn't a "normal purchase" for me.

[flipstah]

See ya AMEX. It's been a slice

[e36bmw///]

nm

[muse017]

Originally posted by e36bmw///


I was going to get the BMO world elite just for the priority pass and looks like they have a free year promo now

http://www.bmo.com/credit-cards/bmo-...ercard%20broad

Been using it for about a year and half so far and no complaint at all. Their dedicated phone line is really helpful. Purchased $900 flight tickets twice and their website seems to offer pretty good price as well.

[EK69]

i have airmiles only due to the safeway pharmacy lol 7x points on covered prescriptions
card wise im looking more and more at the scotiabank momentum infinite
i have RBC infinite avion but the RBC points kinda suck AFAIK..


what is the name of that card that gives u the 10k points per year?
is that a grandfathered benefit now? or can i still apply and get the card to get that stuff before some upcoming deadline?

[Mitsu3000gt]

Originally posted by EK69

what is the name of that card that gives u the 10k points per year?
is that a grandfathered benefit now? or can i still apply and get the card to get that stuff before some upcoming deadline?

It's the Capital One Aspire Travel World MC, which now appears to be the "world elite" card, and it doesn't advertise the 10,000 yearly points anymore, just on your first purchase. My letter says I'm grandfathered in, but hopefully they still offer it.

Even without that, I haven't found another card that is as good purely for money back. 2% on absolutely everything can't be beat unless you spend way more money than you do on everything else combined only at certain places (which some people do).

http://www.capitalone.ca/credit-card...l-world-elite/

[YYC_A4]

British Airways Visa Infinite (RBC). It's probably one of the more niche-market cards out there, however I highly recommend it for anyone who does a lot of transatlantic travel. The avios add up quickly and are easy to redeem, plus you get a yearly free companion ticket after spending $30,000.

[EK69]

Originally posted by Mitsu3000gt


It's the Capital One Aspire Travel World MC, which now appears to be the "world elite" card, and it doesn't advertise the 10,000 yearly points anymore, just on your first purchase. My letter says I'm grandfathered in, but hopefully they still offer it.

Even without that, I haven't found another card that is as good purely for money back. 2% on absolutely everything can't be beat unless you spend way more money than you do on everything else combined only at certain places (which some people do).

http://www.capitalone.ca/credit-card...l-world-elite/

Thx for the reply. I'm looking at either this one or the Scotiabank momentum infinite 4%/2%/1% structured card... Just gotta run numbers I guess to see which would work out better with some spending assumptions.

I plan on spending a pretty sizeable amount later this year on the card, 2% across the board sounds like the no brainer idea, but the Scotiabank card gives higher percentages for the other stuff (gas and groceries I believe iirc)

[flipstah]

Originally posted by EK69


Thx for the reply. I'm looking at either this one or the Scotiabank momentum infinite 4%/2%/1% structured card... Just gotta run numbers I guess to see which would work out better with some spending assumptions.

I plan on spending a pretty sizeable amount later this year on the card, 2% across the board sounds like the no brainer idea, but the Scotiabank card gives higher percentages for the other stuff (gas and groceries I believe iirc)

Just have to figure out what majority of your spending is.

Mine are groceries/gas/bills so Momentum Infinite made sense.

If it's biased towards random stuff or travel, then Aspire Travel World MC.

[bjstare]

I'm thinking I'll have to get rid of my TD Visa Infinite and grab the aspire or the momentum. I think they both make more sense for me. Only downside is fees - have you guys had any luck getting them waived? I really don't want to pay for a credit card.

[gkAeris]

Originally posted by flipstah
See ya AMEX. It's been a slice

yup, I just cancelled my AMEX last month too.

they stopped their Cathay Pacific Gold Marco Polo Club member. used to upgrade me to business class EVERY time, I know 2 other people that cancelled the Platinum Amex at 700/year it is no longer worth it....

I'm been trying out the RBC WJ credit card....so far it is ok. but I think I need a new one, my friend suggested the Avion Black Card from RBC anyone using that one?

[flipstah]

Originally posted by gkAeris


yup, I just cancelled my AMEX last month too.

they stopped their Cathay Pacific Gold Marco Polo Club member. used to upgrade me to business class EVERY time, I know 2 other people that cancelled the Platinum Amex at 700/year it is no longer worth it....

I'm been trying out the RBC WJ credit card....so far it is ok. but I think I need a new one, my friend suggested the Avion Black Card from RBC anyone using that one?

Yeah, once they've been downgrading their perks I knew the end was near. When I lost the Gold Marco Polo membership, it was game over.

The AMEX US Platinum is awesome because no forex fee but apparently, Amazon VISA can do the same thing. Hooray for CHASE Credit!

[zipdoa]

What do I need to upgrade my CC? Still using the same TD Emerald from when I was 18.