What is your favorite reward credit card?

[jabjab]

Is there any cards out there that let's you pay your mortgage on your cc? Someone was saying this at the table beside me at dinner yesterday

[vengie]

It's your mortgage holder that dictates that, not the CC company.

[killramos]

I think that only works if you buy visa gift cards first

[jabjab]

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It's your mortgage holder that dictates that, not the CC company.

Good to know, thank you. I'll inquire as I'm applying for a refinance here shortly

[flipstah]

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Took the plunge and got the Amex platinum too
Budgetballer things lol
100k points sign up, $799 fee but 200 yearly travel credit and 200 dining credit knocks it down by half
The points itself worth about $2k aeroplan value so that’s nice
Hopefully don’t have to use the travel insurance, heard the lounges are hit and miss but hopefully can try one for some freebies and hotel upgrades - mister boost we have upgraded you to blah blah or not

This card is strictly just for travel as the cobalt blows it out of the water in terms of accumulating points.

Just sharing.

They made some slight tweaks to the lounge type you can access but it’s still a good card if you travel frequently!

[msommers]

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Is there any cards out there that let's you pay your mortgage on your cc? Someone was saying this at the table beside me at dinner yesterday

If they do, you're paying for it one way or another. There's no way an institution would take on that level of fees just because.

[nismodrifter]

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Took the plunge and got the Amex platinum too
Budgetballer things lol
100k points sign up, $799 fee but 200 yearly travel credit and 200 dining credit knocks it down by half
The points itself worth about $2k aeroplan value so that’s nice
Hopefully don’t have to use the travel insurance, heard the lounges are hit and miss but hopefully can try one for some freebies and hotel upgrades - mister boost we have upgraded you to blah blah or not

This card is strictly just for travel as the cobalt blows it out of the water in terms of accumulating points.

Just sharing.

Is the card metal?
I only use metal cards now. Keep in my front coat pocket in front of my heart. Just in case someone tries to assaainate me with a direct shot to my most vital organ. Iykyk.

[flipstah]

Go for the face

[ExtraSlow]

Or the dank

[holden]

I've been using the Rogers WE Mastercard as my base card for a couple years. Any time I'm not trying to earn welcome bonus for churning or specialty cases where some of my other cards get 3% cash back, I'll use the Rogers WE.

New change starting in April will make it 2% cashback on everything if you have a Rogers/Fido service and if you redeem that cashback on a Rogers/Fido service it is multiplied by 1.5x (so you get 3% back). It's also 3% cashback on USD (so actually 3% * 1.5x - 2.5%FX = 2% net). Usual World Elite benefits plus 5 free Roam like Home days per year.

There was $15k min spend per year, but I'm not sure if they actually every demoted anyone who didn't spend that. New changes remove that requirement.

[ThePenIsMightier]

Triangle wOrLd eLiTe SELECT doesn't auto-renew and I haven't renewed it, yet.
How long do I have to wait to be considered a "new customer" again so they'll give me the $50 signup bonus and whatever other bullshit?

[msommers]

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I've been using the Rogers WE Mastercard as my base card for a couple years. Any time I'm not trying to earn welcome bonus for churning or specialty cases where some of my other cards get 3% cash back, I'll use the Rogers WE.

New change starting in April will make it 2% cashback on everything if you have a Rogers/Fido service and if you redeem that cashback on a Rogers/Fido service it is multiplied by 1.5x (so you get 3% back). It's also 3% cashback on USD (so actually 3% * 1.5x - 2.5%FX = 2% net). Usual World Elite benefits plus 5 free Roam like Home days per year.

There was $15k min spend per year, but I'm not sure if they actually every demoted anyone who didn't spend that. New changes remove that requirement.

Ya this is turning into a sweet deal. I had $60 in cashback recently but when I redeemed it for my Shaw bill the value goes up to $90 (x1.5) which covered our bill for the month. Pretty dope!

[ee2k]

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Fair enough. WestJet has been cheap enough that it's been the preferred airline.

That's been a price-driven decision though. Flying WJ to Tokyo was meh; food was blah, bulkhead seating and direct route were nice.

Haven't flown AC in a while and unsure if it's better or worth doing layovers for.

I did notice that the Maple Leaf Lounge perk is nice + Priority Pass vs. AMEX Global Lounge Collection (AKA Plaza Premium Lounge)

I have the AMEX Aeroplan Reserve card and it has been amazing (it's a credit card with limit, not a charge card). Yes, I am Calgary based and WestJet dominates, but the AC flying experience coupled with this card is higher level, with spend qualifications (through my commitment) that have given me 35K with lounge access on domestic, priority boarding, preferred seats, three checked bags free, priority standby, metal card, annual companion and a host of other things that keep me loyal and happy and pay for the annual fee. This year they announced airport priority services when flying United and Lufthansa which makes transborder flying that much more easier with UA including priority boarding.

I fly Economy. I also have the WestJet Mastercard which is a nothing to be honest and comes with no privileges other than one piece checked luggage. Does it even give priority boarding? I have zero fee on it because of RBC. One thing I dislike about WestJet is that flights to USA require a day off, they are timed for families mostly that leave in the mid morning.

Flying Air Canada, even with a connection in Vancouver with Lounge access and food and open bar elevate the experience for the times I want to fly. I am price conscious and don't get me wrong I still fly WestJet when convenient, but I find AC and the AMEX Aeroplan Reserve card's elevated experience worth sticking to AC metal. The card is absolutely worth it.

[RX_EVOLV]

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I have the AMEX Aeroplan Reserve card and it has been amazing (it's a credit card with limit, not a charge card). Yes, I am Calgary based and WestJet dominates, but the AC flying experience coupled with this card is higher level, with spend qualifications (through my commitment) that have given me 35K with lounge access on domestic, priority boarding, preferred seats, three checked bags free, priority standby, metal card, annual companion and a host of other things that keep me loyal and happy and pay for the annual fee. This year they announced airport priority services when flying United and Lufthansa which makes transborder flying that much more easier with UA including priority boarding.

I fly Economy. I also have the WestJet Mastercard which is a nothing to be honest and comes with no privileges other than one piece checked luggage. Does it even give priority boarding? I have zero fee on it because of RBC. One thing I dislike about WestJet is that flights to USA require a day off, they are timed for families mostly that leave in the mid morning.

Flying Air Canada, even with a connection in Vancouver with Lounge access and food and open bar elevate the experience for the times I want to fly. I am price conscious and don't get me wrong I still fly WestJet when convenient, but I find AC and the AMEX Aeroplan Reserve card's elevated experience worth sticking to AC metal. The card is absolutely worth it.

This is great info! Thank you! I dont travel too much for work (maybe a US trip every 1-2 months + 1-2 outside of NA) but enough that I want to maximize the trips. I only fly Economy and sick of fighting for overhead space, and the Dragon Pass for lounges is complete garbage. Haven't been able to use them in my past ~5 trips, beside at YYZ where you have to fight for a (dirty) table and there is still a upcharge for a beer. Also tried to commit to WJ to build status but their US flight times are terrible.

How's the lounge availability with the AMEX card for US airports?

[CompletelyNumb]

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Dragon Pass for lounges is complete garbage.

Heard. Wife and I have 12 yearly passes combined. It's better than sitting in the airport boarding area but that's about the best I can say.

[max_boost]

i look forward to my first lounge experience with the amex plat, got signed up with the priority pass too.

[killramos]

They let everyone and their dog in now so I wouldn’t assign lounge access much value.

IMHO you are better off just going to a sit down restaurant 9 times out of 10.

[max_boost]

do you tip in the lounge
or everything just free free lol

[riander5]

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They let everyone and their dog in now so I wouldn’t assign lounge access much value.

IMHO you are better off just going to a sit down restaurant 9 times out of 10.

With the 1 time being if you are looking to get absolutely torqued

[ExtraSlow]

Triangle had me a $5 back for spending $40 and I found a swap offer for another $5 back on fifty. With other 10x and various offers I got $26 back on $91 this week. Ridiculous.