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05-16-2015, 01:33 PM
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#376 | | #deephouse
Join Date: Mar 2010 Location: Vancouver
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05-27-2015, 04:02 PM
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#377 | | I Will not Admit my Addiction to RS
Join Date: May 2011 Location: Vancouver
Posts: 554
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just finished school and started working in the "real world." Thinking of switching from my free RBC rewards card to something that provides better rewards. Currently considering the Amex gold rewards card.
Would use the card for virtually everything, shopping, gas, food, etc.
I would also be using it a significant amount for gas from across the border since I live near the border. I also fly/travel about once a year for vacation.
First question, would amex be a good idea for the above? Better options?
Second question, i would have retain a visa as well since amex won't be accepted universally. Should I keep the RBC rewards card for that? better options? cash back card?
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05-27-2015, 04:13 PM
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#378 | | reads most threads with his pants around his ankles, especially in the Forced Induction forum.
Join Date: Mar 2004 Location: Vancouver
Posts: 10,645
Thanked 2,191 Times in 1,131 Posts
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Apply for the timmy's CIBC Visa. Since I go there literally every few days I guess is a good idea to earn points for my breakfast.
Although I am on my 3rd replacement already. Their card is super cheap is not even hard lol. And their chip always seem to fail after a few months. After many complains I was able to get $20 credit to spend on Timmys.
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05-27-2015, 05:20 PM
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#379 | | WOAH! i think Vtec just kicked in!
Join Date: Mar 2013 Location: Y
Posts: 1,604
Thanked 1,399 Times in 396 Posts
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| Quote:
Originally Posted by van_city23  just finished school and started working in the "real world." Thinking of switching from my free RBC rewards card to something that provides better rewards. Currently considering the Amex gold rewards card.
Would use the card for virtually everything, shopping, gas, food, etc.
I would also be using it a significant amount for gas from across the border since I live near the border. I also fly/travel about once a year for vacation.
First question, would amex be a good idea for the above? Better options?
Second question, i would have retain a visa as well since amex won't be accepted universally. Should I keep the RBC rewards card for that? better options? cash back card? | Depends if you're willing to pay for Amex's $120 annual fee beyond's its first year free.
Have you looked into the CapitalOne Aspire travel?
It (iirc) doesn't have the annual 10k anniversary points anymore. But if you're willing to pay for Amex Gold's $120 annual fee, might as well pay for this one where it will be accepted at more places.
The MBNA World Elite card also give 2% cashback on everything.
First year free + $89/yr after. 10k points after first purchase. (Worth $200)
Last edited by v_tec; 05-27-2015 at 05:26 PM.
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05-27-2015, 10:08 PM
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#380 | | Trollollolloing RS sine 2005
Join Date: Feb 2005 Location: Richmond
Posts: 7,093
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been lookin into cc lately and heres what i found, u either stick with a cash back card, or a travel rewards card, theres none thats best of both worlds
for cash back cards, right now it seems like the scotia momemtum visa INFINITE card is the best out there in terms of cash back rewards. 4% back for gas and grocery stores, 2% drug store and recurring bills like cell phone bills, and 1 % all else. it does cost $99 each year and need min income of 60K to get this card. best thing is u can use this card to buy for example best buy or home depot gift cards at grocery stores to milk that 4% instead of 1% directly at best buy/home depot.
for travel rewards card the best ones out there currently are the BMO world elite master card and CapOne Aspire travel MC.
all these cc trump over amex solely becuase not every place accepts amex. oh beware tho as i read scotia and capone are both very anal about meeting personal income and credit rating. i myself went with the momentum visa infinite
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Originally Posted by MajinHurricane I had some girl come into the busser station the other day trying to make out with every staff member and then pull down her pants and asked for someone to stick a dick in her (at least she shaved). | Quote:
Originally Posted by 1exotic Vtec doesn't kick in on Reverse. | Quote:
Originally Posted by Ulic Qel-Droma its like.. oh yeah oh yeah.. ohhhh yeah... OOoooOohh... why's it suddenly feel a bit better... ohhhh yeahh... ohhh...oh..fuck... it probably ripped. | | |
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12-05-2015, 12:02 PM
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#381 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Jan 2005 Location: Vancouver
Posts: 9,594
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What's a good MasterCard to apply now a days?
My current line up consists of Amazon Visa (not used unless it's foreign shopping), MBNA SmartCash MasterCard (occupied with a balance transfer), and a CIBC Gold Aventura Visa (the one that gets used the most)
Reason I need another MasterCard is there's always the odd time I'll be shopping at No Frills or The Independent Grocer which they only accept debit and MasterCard only.
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Originally Posted by The_AK Or you meet some girl at the club, cum inside of her, find out shes only in grade 12, so you buy a Prada bag for her to make things right, she finds out the bag is a fake and decides to have the kid | Quote:
Originally Posted by RX_Renesis wtf did she get some bolt-on titties or what?
they look sooooooooooo much bigger than they were 2ish years ago. | Quote:
Originally Posted by nns I can't stand the sound of Mandarin either. Boo yow nee bey nee shing bo now noong gey shee mayo mayo mayo mayo mayo mayo mayo. | | |
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12-05-2015, 04:06 PM
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#382 | | I Will not Admit my Addiction to RS
Join Date: Jan 2013 Location: Calgary, AB
Posts: 556
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what's a good secured visa to apply for?
Trying to rebuild credit ^_^
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12-05-2015, 04:23 PM
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#383 | | Say! Say! Say!
Join Date: Aug 2005 Location: Japan
Posts: 15,486
Thanked 3,360 Times in 1,480 Posts
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Originally Posted by TypeRNammer What's a good MasterCard to apply now a days?
My current line up consists of Amazon Visa (not used unless it's foreign shopping), MBNA SmartCash MasterCard (occupied with a balance transfer), and a CIBC Gold Aventura Visa (the one that gets used the most)
Reason I need another MasterCard is there's always the odd time I'll be shopping at No Frills or The Independent Grocer which they only accept debit and MasterCard only. | If you qualify, the Tangerine Mastercard is excellent for cash back - https://www.tangerine.ca/en/spending...ard/index.html
Choose two different categories for 2% cashback while the rest are 1%. No annual fee.
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Originally Posted by 89blkcivic Did I tell you guys black is my favourite colour? My Ridgeline is black. My Honda Fit is black. Wish my dick was black........ LOL. | | |
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12-05-2015, 04:40 PM
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#384 | | 2x Variable Nockenwellen Steuerung
Join Date: Oct 2002 Location: N49.2 W122.1
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If you are using it to buy things from Loblaw's chain of grocery stores, you mind as well use their PC card. Quote:
Originally Posted by TypeRNammer What's a good MasterCard to apply now a days?
My current line up consists of Amazon Visa (not used unless it's foreign shopping), MBNA SmartCash MasterCard (occupied with a balance transfer), and a CIBC Gold Aventura Visa (the one that gets used the most)
Reason I need another MasterCard is there's always the odd time I'll be shopping at No Frills or The Independent Grocer which they only accept debit and MasterCard only. | | |
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12-05-2015, 04:44 PM
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#385 | | #deephouse
Join Date: Mar 2010 Location: Vancouver
Posts: 4,194
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I got the pc mastercard world elite, no annual fee
always shop at superstore , might as well add up the points.
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Last edited by knight604; 12-05-2015 at 09:15 PM.
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02-24-2016, 06:37 PM
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#386 | | Diagonally parked in a parallel universe
Join Date: Feb 2011 Location: Vancouver
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So MBNA called me and it was really shady. They encouraged me to take out my remaining credit from my credit card and use it for other expenses and bills while offering a lower interest rate for the next 10 months in repaying it.
Da fuck
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02-24-2016, 08:16 PM
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#387 | | Fathered more RS members than anybody else. Who's your daddy?
Join Date: Aug 2002
Posts: 25,113
Thanked 11,773 Times in 5,043 Posts
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Originally Posted by knight604 I got the pc mastercard world elite, no annual fee
always shop at superstore , might as well add up the points. | yup, PC World Elite Mastercard, ftw!
no fee, lots of free points. I use it everywhere. More points if you shop at a Loblaws store.
You need to earn x number of dollars to qualify. I think it's total household income.
For US purchases, I use the Amazon Visa 'cause no transaction/conversion fee. For Costco US, I use Amex Platinum. I'll have to check that one over again since Amex is no longer tied to Costco Canada.
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02-25-2016, 01:12 PM
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#388 | | I Will not Admit my Addiction to RS
Join Date: Jan 2013 Location: Calgary, AB
Posts: 556
Thanked 270 Times in 122 Posts
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Originally Posted by meowjinboo what's a good secured visa to apply for?
Trying to rebuild credit ^_^ | for anyone wondering, i ended up applying for a capital one secured mastercard. Got approved with a 75 dollar deposit. Was expecting a 300 dollar limit, and ended up with 2k.
the fuck.
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02-25-2016, 01:54 PM
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#389 | | I help report spam so I got this! <--
Join Date: Dec 2010 Location: Vancouver
Posts: 2,867
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BMO world elite master card
For proprietary travel. Their concierge is awesome.
It's a black card too which is sick.
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05-13-2016, 10:03 PM
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#390 | | My homepage has been set to RS
Join Date: Mar 2002 Location: vancouver
Posts: 2,428
Thanked 68 Times in 27 Posts
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Wondering if anyone knows of a us dollar card that doesn't have an annual fee?
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05-13-2016, 10:59 PM
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#391 | | i like gifs
Join Date: Dec 2001 Location: imgur
Posts: 27,179
Thanked 7,785 Times in 2,695 Posts
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I think the Amazon Chase Visa card is a no annual fee USD card. You'll need to look into it.
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05-13-2016, 11:45 PM
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#392 | | What hasn't Killed me, has made me more tolerant of RS!
Join Date: Apr 2009 Location: Vancouver
Posts: 194
Thanked 88 Times in 35 Posts
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Originally Posted by Ch28 I think the Amazon Chase Visa card is a no annual fee USD card. You'll need to look into it. | Quote:
Originally Posted by F3 Wondering if anyone knows of a us dollar card that doesn't have an annual fee? | The Amazon Chase Visa is a CAD credit card with no foreign currency transaction fee, also no annual fee. It is a great alternative to a USD credit card. I believe there are no USD credit card without annual fee. The BMO one will waive the fee if you spend something like $1500 a year. The TD one will waive the fee if you put something like $5000 US in a US savings and have the all inclusive banking plan. You can look into the exact details on their respective sites.
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05-14-2016, 12:30 PM
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#393 | | Cool beans bro
Join Date: Jan 2006 Location: Burnaby
Posts: 1,795
Thanked 1,054 Times in 231 Posts
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Originally Posted by F3 Wondering if anyone knows of a us dollar card that doesn't have an annual fee? | BMO US card bills in US so theres no conversion or bs transaction fee. Theres I think an annual $30 fee but its waived if you spend 1000 in a year which is pretty doable.
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05-14-2016, 12:55 PM
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#394 | | .
Join Date: Nov 2009
Posts: 8,733
Thanked 5,474 Times in 2,095 Posts
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Amazon visa card takes fuking forever to mail you a physical card  | |
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05-14-2016, 01:06 PM
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#395 | | Throw yo paws in da air!
Join Date: Apr 2011 Location: State of Trance
Posts: 5,125
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think im gonna apply to it ^
i have the USD card from scotia, which is 35$ annual fee, no conversion fee, but no real perks.. no cash back or anything lol
so fuk it, may as well get the amazon card and get some cash back
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05-17-2016, 11:59 AM
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#396 | | #deephouse
Join Date: Mar 2010 Location: Vancouver
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| https://apply.mbna.ca/applicationfor...9&locale=en_CA
This is a good card to get. Quote:
NO ANNUAL FEE TOO
Take advantage of this special limited-time offer for new cardholders and earn up to 60,000 Best Western Rewards® points. Sign up for the Best Western Rewards MasterCard® credit card and if approved:
• Get 20,000 bonus points†† after your first eligible purchase--that's already enough points for at least ONE FREE NIGHT**
• Spend $1,000 or more within the first 90 days of account opening and get an additional 20,000 bonus points†† OR
• Spend $2,000 or more within that same time frame and get a total of 60,000 bonus points††
With 60,000 points, you could get as many as 7 free nights (a whole week!) at some Best Western hotels or up to $225 in gift cards.**
But hurry--this offer expires on July 10, 2016. Thank you for being a member of Best Western Rewards and we look forward to welcoming you again at one of our hotels very soon!
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05-20-2016, 05:02 PM
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#397 | | I contribute to threads in the offtopic forum
Join Date: Dec 2003 Location: Vancouver
Posts: 2,777
Thanked 1,045 Times in 419 Posts
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PC Mastercard for every single purchase. While I fill up gas at esso, I also get points for using it there.
MBNA Smart castback mainly for the 0.99% balance transfer for 1 year.
You can only use so much, might as well focus on purchases on one card rather than travel points here, cash back there, etc. etc.
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05-20-2016, 06:29 PM
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#398 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: Vansterdam
Posts: 8,141
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Still rockin the Capital One Aspire and going strong and since they grandfathered my card I still get $100 in points every year.
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05-20-2016, 06:56 PM
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#399 | | I contribute to threads in the offtopic forum
Join Date: Apr 2001 Location: VAN/RMD/BBY
Posts: 2,596
Thanked 1,022 Times in 450 Posts
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Originally Posted by F3 Wondering if anyone knows of a us dollar card that doesn't have an annual fee? | TD Borderless Plan https://www.tdcanadatrust.com/produc...borderless.jsp
Keep $3000 USD in the account and the $39 annual fee for the CC is waived.
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05-22-2016, 10:12 PM
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#400 | | .
Join Date: Nov 2009
Posts: 8,733
Thanked 5,474 Times in 2,095 Posts
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anyone else use Amazon Visa card/cashback cards for everyday transactions (groceries, gas etc) other than online shopping?
would rather get cashback than shitty aeroplan miles lol
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