What is your favorite reward credit card?

[flipstah]

CapOne.

[Mitsu3000gt]

Originally posted by guessboi
^ +1 - there is no way for them to increase the credit limit

I have the world aspire cash and my wife has the aspire travel elite.
I have a $3,000 limit and she has a 14,000 limit.

So what I do is just get an extra card until her account and I use that elite card since I pay all the bills.

Originally posted by Ed the SOHC


I've had my Capital One Aspire card since 2011 and I really like this card but it drives me crazy that you cannot EVER increase your credit limit with this card. Back in 2011, the credit limit they gave me worked for me and my wife but now with kids and a new career, it's just not enough. I've escalated this with Capital One a couple years back and again this year but nothing ever changes.

I called them and they increased my limit from $10,000 --> $15,000

[msommers]

I was thinking that it would be so weird for a credit card company to not want to raise your limit. The initial limit I got on my CapOne is more than I really wanted but now I'm kinda thankful LOL.

[Mitsu3000gt]

Originally posted by msommers
I was thinking that it would be so weird for a credit card company to not want to raise your limit. The initial limit I got on my CapOne is more than I really wanted but now I'm kinda thankful LOL.

The only thing I can think of is with their rewards program being so much better than average, they don't want people with corporate accounts and enormous monthly expenditures that they pay off every time taking advantage of it. If that's not the case then I have no idea.

[J.M.]

» Click image for larger version

[Team_Mclaren]

Originally posted by Mitsu3000gt


The only thing I can think of is with their rewards program being so much better than average, they don't want people with corporate accounts and enormous monthly expenditures that they pay off every time taking advantage of it. If that's not the case then I have no idea.

Or whoever didnt get an approval for extra limit has subpar credit?

to get around it, prepay like 5k on the card, now you have an extra 5k of credit to use.

[move]

Originally posted by flipstah
CapOne.

how do you redeem the capone points? is it calling a # like the TD ones?

[A2VR6]

Originally posted by move


how do you redeem the capone points? is it calling a # like the TD ones?

You can do it online via the cap one site.

[flipstah]

What travel insurance does the CapOne have? I might go back to Amex Gold for the travel insurance perks. The Momentum Infinite VISA card is meh for insurance.

[know1edge]

.

[LadyLuck]

So the vote is CapOne Aspire then? I am looking to get away from my TD Infinite, have enough for a trip to europe but $700+ in fees is ridiculous!

[sabad66]

Originally posted by LadyLuck
So the vote is CapOne Aspire then? I am looking to get away from my TD Infinite, have enough for a trip to europe but $700+ in fees is ridiculous!

BMO World Elite Travel and CapOne Aspire seem to be the best two.

CapOne is the most flexible when redeeming (book on any site you want) and also gives you $400 worth of points instead of $300 signup bonus that BMO gives.

BMO has their own travel site (www.bmorewards.com) that you have to use for redemption, although it's not that bad and pretty competitive. However includes a 2 VIP lounge visits per year through Priority Pass which is a $129 USD value. Really nice if you have a layover.

So overall if you value flexibility over the 2 free lounge visits then CapOne is better. If you like the idea of 2 free lounge visits then the BMO.

[e36bmw///]

nm

[kobe tai]

Just got a letter from TD saying that they are changing point redemption on Nov 15th. Before was 200 point for $1 redeemed and now i twill be 250 points for each dollar. So effectively you lose 20% of your points more or less. Therefore I am looking for new card. Suggestions? Want to redeem towards flight and have decent travel insurance.

[sabad66]

Originally posted by e36bmw///


IIRC, it's 4 passes a year which is pretty useful if you travel a lot.

I have the AMEX Gold card and I think it's one of the best in terms of point redemption (flex rewards). Fixed 100 point per $1 value and can be used to retroactively credit your account.

Oh yeah, you're right it's 4. I was thinking 2 because i usually bring my fiance with me as a guest so that uses up 2 visits.

for your Amex gold, what rate do you earn at and what is the yearly fee? Both the BMO and CapOne work out to be 2% travel rewards with $150 yearly fee

[flipstah]

Amex Gold is 2pts per $1 on gas and groceries.

1000pts = $10

150/yr.

Might reactivate mine.

[bball2]

Original Post Removed. (Please read the Forum Rules and Terms of Use before posting again, or risk getting banned).

Can the mod who removed this post please let me know which forum rule I broke? I listed out the credit cards I use / summary of their rewards & fees. If there's a specific rule I broke, please let me know and I'll avoid doing so again in the future.

[Manhattan]

^

Existing Capital One card holders still get the 10,000 anniversary points. Not sure if the rate stays the same for annual fee tho.

EDIT: Annual fee stays the same too.

[Vmack]

Originally posted by kobe tai
Just got a letter from TD saying that they are changing point redemption on Nov 15th. Before was 200 point for $1 redeemed and now i twill be 250 points for each dollar. So effectively you lose 20% of your points more or less. Therefore I am looking for new card. Suggestions? Want to redeem towards flight and have decent travel insurance.

thats just for book any way correct? Hasn't changed for book thru Expedia for TD?

[msommers]

Originally posted by flipstah
Amex Gold is 2pts per $1 on gas and groceries.

1000pts = $10

150/yr.

Might reactivate mine.

Might want to reconsider. 2 points per $1 on all purchases. Points conversion and annual fee are the same.

http://www.capitalone.ca/credit-card...ards%2Frewards