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Thread: What is your favorite reward credit card?

  1. #2001
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    +1 Tangerine MC is pretty great.
    A quick note that you only get 3 reward categories if you direct the rewards to a savings account. or 2 if you direct to a chequing.
    But you can always transfer out later.

    If your feeling generous my referral code is: 16391479S1
    Operator Of Beyond's Official Cardano pool. Click here for 5% guaranteed returns.
    Magical internet money for everyone!

  2. #2002
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    If anyone wants that Triangle WE Card, or the other Triangle card, get $25 and a mystery gift.
    http://mail.ctfs.com/r/c/r?2.1.3MU.2...N1Q%5FBOeEHKL0
    Quote Originally Posted by rage2 View Post
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    I almost shat myself after eating way too much at lunch with @killramos so ya, we can start the diaper thread now.

  3. #2003
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    Quote Originally Posted by ExtraSlow View Post
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    Doesn't look compelling to me, but WJ Mastercards now can qualify you for "status lift". Seems like it could get me halfway to next teir, but that's not particularly valuable IMHO.
    Quote Originally Posted by ThePenIsMightier View Post
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    Hey yeah - do you understand that? I glanced it over and it didn't quite make sense to me. Got time to splain?
    Quote Originally Posted by ExtraSlow View Post
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    you spend the $15,000 on the credit card, on anything, and they credit you as if you spent $500 on flights. So to go from teal to silver, you need to spend $3000, so if you spend $45,000 in that calendar year, you get halfway to your "qualifying spend" to get to the next tier. halfway is the max, you still have to spend minimum $1500 on real flights to get that status.

    If you were really super close to the next teir in normal flight spending, then this could be meaningful. No downside, since you aren't giving anything up, and you still earn the normal WJD rewards on top. Just for me, it doesn't look compelling enough to transfer the majority of purchased from my triangle card.
    It's more of a booster incentive.

    I started reading up on it since I got the WE card.

    https://www.westjet.com/en-ca/reward...ard/statuslift


    Quote Originally Posted by Buster View Post
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    The benefit of masks is not known at this time. But we do know it is some non-trivial amount more than zero.

    We also know that the cost of mask use is, essentially, zero.

    So the cost:benefit of mask use is approaching infinity. I'll take that every time. And every time I see someone without a mask, I think they are stupid.

  4. #2004
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    Quote Originally Posted by flipstah View Post
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    It's more of a booster incentive.

    I started reading up on it since I got the WE card.

    https://www.westjet.com/en-ca/reward...ard/statuslift
    Ugh - I read it wrong and put through every single thing on this card in the past ~6 months instead of a higher earning card thinking I would touch Silver status.

    SMH reading> me

  5. #2005
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    Quote Originally Posted by hurrdurr View Post
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    Ugh - I read it wrong and put through every single thing on this card in the past ~6 months instead of a higher earning card thinking I would touch Silver status.

    SMH reading> me
    Yeah the marketing material makes it sound like that is the move. Luckily I was bored enough to read the fine print one day.
    Quote Originally Posted by rage2 View Post
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    I almost shat myself after eating way too much at lunch with @killramos so ya, we can start the diaper thread now.

  6. #2006
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    Quote Originally Posted by ExtraSlow View Post
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    Yeah the marketing material makes it sound like that is the move. Luckily I was bored enough to read the fine print one day.
    Yeah you have to spend shit ton of purchase to get flight equivalent point redemption. The insurance is good on this one vs my Bonvoy card so I’ll keep it for that.

    I’ll probably use all the points I have + free night before I convert the Bonvoy to a no fee AMEX.
    Last edited by flipstah; 12-01-2021 at 10:35 PM.


    Quote Originally Posted by Buster View Post
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    The benefit of masks is not known at this time. But we do know it is some non-trivial amount more than zero.

    We also know that the cost of mask use is, essentially, zero.

    So the cost:benefit of mask use is approaching infinity. I'll take that every time. And every time I see someone without a mask, I think they are stupid.

  7. #2007
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    Quote Originally Posted by OTown View Post
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    I think ill be leaving the cash back cards for more travel related rewards. I was looking at the Westjet ones but they seem sort of 'nerfed'. From what I gather from last few years, Aeroplan seems to be a bit more flexible and you're not limited to just WSJ (aka can go more places). Am I wrong on this?

    I do some of my banking with CIBC... Has anyone used this one?

    https://www.cibc.com/en/personal-ban...nite-card.html
    WestJet partners with Delta and code shares with them so you have access to their flights too.


    Quote Originally Posted by Buster View Post
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    The benefit of masks is not known at this time. But we do know it is some non-trivial amount more than zero.

    We also know that the cost of mask use is, essentially, zero.

    So the cost:benefit of mask use is approaching infinity. I'll take that every time. And every time I see someone without a mask, I think they are stupid.

  8. #2008
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    Quote Originally Posted by flipstah View Post
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    WestJet partners with Delta and code shares with them so you have access to their flights too.
    Good info thx

  9. #2009
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    Anyone considering the triangle rewards credit card, if you use this code you get $25 and some gift box. I like this card, use the reward points at Marks and Sport Chek mostly. I don't go to Canadian Tire as often. Good cash back on groceries too.
    https://www.ctfs.com/content/ctfs/en...tml?pcid=Y017T
    Quote Originally Posted by rage2 View Post
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    I almost shat myself after eating way too much at lunch with @killramos so ya, we can start the diaper thread now.

  10. #2010
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    Quote Originally Posted by ExtraSlow View Post
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    Anyone considering the triangle rewards credit card, if you use this code you get $25 and some gift box. I like this card, use the reward points at Marks and Sport Chek mostly. I don't go to Canadian Tire as often. Good cash back on groceries too.
    https://www.ctfs.com/content/ctfs/en...tml?pcid=Y017T
    x2
    Some reputable mahfks use this card!

  11. #2011
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    I can feel it in my plums...

    Screenshot_20220115-145923_Gmail.jpg

    I think it's pushing $600 this year!

  12. #2012
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    What's the best cash back card for utilities? Tangerine's recurring bills category isn't working for Enmax...any better ideas?
    Last edited by birdman86; 01-15-2022 at 09:10 PM.

  13. #2013
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    Not cash but you can use triangle for 0.5% back on stuff like enmax.
    Quote Originally Posted by rage2 View Post
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    I almost shat myself after eating way too much at lunch with @killramos so ya, we can start the diaper thread now.

  14. #2014
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    Quote Originally Posted by birdman86 View Post
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    What's the best cash back card for utilities? Tangerine's recurring bills category isn't working for Enmax...any better ideas?
    I ran into the same issue with Tangerine years ago. I just use the Rogers World Elite Mastercard (1.5% cashback) for my ENMAX bill. ENMAX takes credit cards for bill payments - ATCO did a few years back and ENMAX quickly followed suit.

  15. #2015
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    Here is a question, what if I want to get a CTWE for my business? I have one for personal, but was told that the CT cards shouldn't be used for business. Wtf?

  16. #2016
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    Quote Originally Posted by 03ozwhip View Post
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    Here is a question, what if I want to get a CTWE for my business? I have one for personal, but was told that the CT cards shouldn't be used for business. Wtf?
    I don't think CTFS offers business banking. However nothing stopping you from using your personal Triangle WE card for business expenses of you choose.
    Quote Originally Posted by rage2 View Post
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    I almost shat myself after eating way too much at lunch with @killramos so ya, we can start the diaper thread now.

  17. #2017
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    CRA doesn’t give a shit what CC you pay for stuff.

  18. #2018
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    If your company is large enough to have a CFO, then they will decide what makes the most sense for the business. If not, fucking giv'er.
    Quote Originally Posted by rage2 View Post
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    I almost shat myself after eating way too much at lunch with @killramos so ya, we can start the diaper thread now.

  19. #2019
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    Triangle World Elite has been super excellent for me

    The Cantire money notwithstanding, I've had 2 tows and a jumpstart from the roadside assistance and also joined the Triangle Select members thing which has so far gained me a free chopping board and "free" Crave for a year

    CT money so far has bought 2 baby seats, a baby monitor and the last 2 oil changes for the truck

  20. #2020
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    I just noticed my Rogers Bank World Elite card has been charging a transaction fee on USD transactions.

    Currency USD
    Purchase Amount 220.50
    Exchange Fee 6.90
    Conversion Rate 1.282811791
    Total CAD 282.86

    Paypal quoted ~$269CAD for this same transaction. Is this card now a dud or is it me that is the dud? lol

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