What is your favorite reward credit card?

[killramos]

The extra quarter point only applies to new spending on the card, and only to spending on non travel as travel is already at 1.25.

The Marth works out to be the IP card is better if you spend 50-60k of non travel spending a year or more on the card to cover the incremental fee. And the fee for a second IP card is quite steep.

The account holder rebate also only applies if you hold their top banking package which is $30 a month unles you hold your mortgage with them at which point it’s 22 per month.

I don’t assign much value to the other IP perks but you get things like lounge passes etc with priority pass and I think there is another lounge program it’s eligible for. PP has been basically useless that last few years though with lounges getting very stingy.

That and the IP card comes with a much higher qualifying income in theory, unless you have been offered the card.

I have the IP card and it works for me and what I need it for. It’s a pretty good “only card you ever need”

[16hypen3sp]

The extra quarter point only applies to new spending on the card, and only to spending on non travel as travel is already at 1.25.

Yah. I'd get the card and then start accruing those 1.25 points. I'd stop using my original Infinite card.

The account holder rebate also only applies if you hold their top banking package which is $30 a month unles you hold your mortgage with them at which point it’s 22 per month.

Ah, ok. I think I'm one package below. The top package is VIP Banking right?

I have the IP card and it works for me and what I need it for. It’s a pretty good “only card you ever need”

Yah. I'm tempted. My dad has the Amex Platinum card and he says that's the card to have. Costly annual fee but you get a ton of perks. More points. Annual travel credit. Have to spend $6k to get the 80,000 welcome points and get an additional 20,000 points later. Spending 6k isn't a problem tho. I told my wife that and she said "That's easy!" Lol, of course she'd say that.

[killramos]

Yea my understanding is you need VIP to get the partial rebate.

[ThePenIsMightier]

The black Triangle MasterCard is giving you 10¢/L *discount on gasoline for the next couple months. I think it's even 14¢ on premium.

*Credited as Cdn Tire money...

[ExtraSlow]

Where are there even triangle gas stations anymore?

[ThePenIsMightier]

MacLeod/Southland and Shawnessy are 2.

[sabad66]

Also 30x points back today only. Works out to 12% back. Good day to make a big purchase.

[birdman86]

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Also 30x points back today only. Works out to 12% back. Good day to make a big purchase.

16% back if you use it with the CT mastercard (I think)

I've bought all my tires and guns on these days, got at least one free rifle out of it so far

[Swank]

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Where are there even triangle gas stations anymore?

Looks like only 6 in the city, I don't think I've ever fueled up at one.

[haggis88]

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Looks like only 6 in the city, I don't think I've ever fueled up at one.

I use the one at McLeod/Southland when this sort of thing is on...its on my route, so not going out of my way like i would for Costco and there's never a line

Got enough petro points again for a 10c/ltr coupon on 200L, that ones courtesy of the General

[DonJuan]

Just wanted to bump this thread and see if anyone can point me in the right direction of the best credit card currently. I have TD first class travel Visa infinite (263k) unused points. Mostly used for in-store or online purchases, no bills through it, paid off monthly.

I was thinking about Tangerine money back MC. What to do with TD points other than flight?

[ThePenIsMightier]

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Just wanted to bump this thread and see if anyone can point me in the right direction of the best credit card currently. I have TD first class travel Visa infinite (263k) unused points. Mostly used for in-store or online purchases, no bills through it, paid off monthly.

I was thinking about Tangerine money back MC. What to do with TD points other than flight?

Free card?
Or card with annual fee?

[DonJuan]

Either is fine. Wanting to stay away from Amex if possible for ease of use overseas.

I'm one of those people who only use 1 credit card. Don't need additional card on account as the wife has her own. Could I transfer her my TD points?

[gwill]

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Just wanted to bump this thread and see if anyone can point me in the right direction of the best credit card currently. I have TD first class travel Visa infinite (263k) unused points. Mostly used for in-store or online purchases, no bills through it, paid off monthly.

I was thinking about Tangerine money back MC. What to do with TD points other than flight?

cash back cards are always your better option from a returns/value perspective. I use amex for cash back.

[ThePenIsMightier]

Triangle WE from Cdn Tire is free. Worth it if your spending at CT or their family of stores.
Costco MC is great if you eat at restaurants often or buy lots of gasoline.
WestJet MasterCard is not as good as it used to be but still easy to make your $120 back on.

[ExtraSlow]

Tirangle We is superb if you are fashionable like me. Basically all my clothing is from marks or sport chek.

[birdman86]

Triangle, Rogers Cash back and Tangerine cash back got you covered

[DonJuan]

Thanks! I'll rep when I can. I think I'll go with the Tangerine cash back. Used to spend lots at Mark's when I worked in the field, but I'm office casual now.

What's the best use of the TD points? Or should I just do a weekend flight to Van/TO/Vegas?

[Rocket1k78]

The triangle WE has got to be one of the best no fee cards. FYI for the free roadside you can sign up for a family plan(i think thats the name) where they will cover a tow for any vehicle you were driving at no additional cost.
As mentioned too they have the gas promo which gives me $13is back each time in can tire money and with paying the property taxes i get 1% back too.

[birdman86]

Btw with Tangerine, the 2% on recurring bills category doesn't always work. Something to do with how the vendors set up their payments, for example Enmax doesn't register as recurring so you're better off putting that on the Rogers card.