FlyerTalk Forums

FlyerTalk Forums (https://www.flyertalk.com/forum/index.php)
-   Credit Card Programs (https://www.flyertalk.com/forum/credit-card-programs-599/)
-   -   [Consolidated] Which Canadian credit card should I get? (https://www.flyertalk.com/forum/credit-card-programs/1152510-consolidated-canadian-credit-card-should-i-get.html)

Cruban Mar 6, 2012 9:18 pm

RBC currently offering 50,000 with Visa Infinite card, more here:http://www.flyertalk.com/forum/credi...te-canada.html

babbs098 Mar 21, 2012 3:16 pm

Best way for a Canadian to earn points
 
Hi everyone,

I'm a newbie here, so I am hoping to be asking this question in the right place.

What is the best and most rewarding card to build points with? Does it work like in the US where multiple cards can work towards the same trip? We are DVC members and travel to Orlando via Buffalo quite a bit, New York, Vancouver, Montreal, and would like to travel to Hawaii and Italy in the next few years if that helps. We try to avoid Toronto and Hamilton airports, re: pricing and our current worry of booking with Air Canada.

My DH is an employee at one of the major banks/insurance company as well.

Thanks! (sorry if this is in the incorrect place)

mia Mar 21, 2012 3:24 pm

Welcome to Flyertalk

Suggest you begin by reviewing these threads:

For general overview:

http://www.flyertalk.com/forum/credi...canadians.html

http://www.flyertalk.com/forum/credi...uld-i-get.html

For spending outside Canada:

http://www.flyertalk.com/forum/credi...tion-fees.html

For specific comparisons:

http://www.flyertalk.com/forum/credi...an-canada.html

http://www.flyertalk.com/forum/credi...ne-aspire.html

babbs098 Mar 21, 2012 7:26 pm

thankyou thankyou thankyou :D:D:D...I was looking around but didn't know where to start

babbs098 Mar 22, 2012 11:00 am

Ok this is what I was looking for. Resurrecting an old thread here, but here goes.

So I would like DH to get one of the TD travel cards because he is a TD employee. All credit card fees and min. balances are usually waived. Also gets staff interest rates. I am currently a TD customer and would like to switch as well and hoping that would cover a flight for DH and I to Orlando next year out of Buffalo or Toronto, whichever works out better.

How much experience do people have with this card? Is it difficult to book with? I would also like the have the US card (that would be for me since any purchases on my Visa are through american websites - all packages delivered to an amercian address).

That being said, I am saying this because I don't think we qualify for a United card. If we do, then we would like to get one TD card each and the United card.

ikonos Jul 4, 2012 5:39 pm

Cards for Canadians
 
Are there any cards that offer good signup bonus for Canadians living in Canada? Are do Canadians just use a US address and Canadian SIN and apply for US cards?

Thanks

Santander Jul 4, 2012 6:01 pm

A SIN will do nothing for you to get a US credit card. It is possible to get a US credit card with a US mailing address and preferably a US bank account (easy to open), but you will most likely not build credit history without a SSN/ITIN. The IRS will not issue you an ITIN for the purposes of opening a bank account/credit card. Even if you get a US CC, the chances of getting any card with worthwhile signup bonuses is pretty much out the window. You will likely have to start with a really basic card even with an ITIN and build your way up from there. It is theoretically possible to eventually get a decent US CC without stepping foot in the US, but it is a long, difficult process which really isn't worth it.

There are rarely really good CC sign-up bonuses for Canadians, the 50k Amex Platinum/Aeroplan Platinum and the occasional 20k SPG Amex being possible exceptions.

austin_modern Jul 4, 2012 6:03 pm


Originally Posted by ikonos (Post 18871745)
Are there any cards that offer good signup bonus for Canadians living in Canada? Are do Canadians just use a US address and Canadian SIN and apply for US cards?

Thanks

Eh? (sorry, couldn't resist)

ikonos Jul 4, 2012 6:27 pm


Originally Posted by austin_modern (Post 18871826)
Eh? (sorry, couldn't resist)

How y'all doing out there? ;) Well it was for a relative who is using cash and debit card for everything.

ikonos Jul 4, 2012 6:31 pm


Originally Posted by Santander (Post 18871820)
A SIN will do nothing for you to get a US credit card. It is possible to get a US credit card with a US mailing address and preferably a US bank account (easy to open), but you will most likely not build credit history without a SSN/ITIN. The IRS will not issue you an ITIN for the purposes of opening a bank account/credit card. Even if you get a US CC, the chances of getting any card with worthwhile signup bonuses is pretty much out the window. You will likely have to start with a really basic card even with an ITIN and build your way up from there. It is theoretically possible to eventually get a decent US CC without stepping foot in the US, but it is a long, difficult process which really isn't worth it.

There are rarely really good CC sign-up bonuses for Canadians, the 50k Amex Platinum/Aeroplan Platinum and the occasional 20k SPG Amex being possible exceptions.

I am hoping for Cards with atleast first year fee waived. Even if there are no big signup bonuses are there cards that can accrue some miles? Thanks.

mia Jul 4, 2012 6:45 pm

Moderator action
 
ikonos' s question has been moved from MilesBuzz to Credit Card Programs and merged into the established thread on this topic. You may also wish to read this one:

http://www.flyertalk.com/forum/credi...tion-fees.html

Santander Jul 4, 2012 9:05 pm


Originally Posted by ikonos (Post 18871913)
I am hoping for Cards with atleast first year fee waived. Even if there are no big signup bonuses are there cards that can accrue some miles? Thanks.

I believe Amex Gold Rewards is still waiving the $150 fee for the first year. 1 Amex MR point for every $ spent and 2 for fuel, groceries, drugs and travel. They come with something like a 25k signup bonus. Canadian MR points can transfer 1:1 to Aeroplan, and less favourably to a few others. It's a great card especially for people who spend lots on travel.

spideysense Sep 6, 2012 8:03 pm

I have an Amex Aeroplan Plat and Amex SPG and a TD Visa Infinite. I want to cancel my TD card and get something else. I understand that RBC has credit cards that allow transfers to AA miles, which is a great program as I'd like to use them to redeem for CX, BA, and Etihad premium travel.

Which RBC card shoud I get, and is there any specific promo going on or link I should click so someone can get a referral bonus?

jerry305 Sep 7, 2012 12:07 am


Originally Posted by spideysense (Post 19268388)
I have an Amex Aeroplan Plat and Amex SPG and a TD Visa Infinite. I want to cancel my TD card and get something else. I understand that RBC has credit cards that allow transfers to AA miles, which is a great program as I'd like to use them to redeem for CX, BA, and Etihad premium travel.

Which RBC card shoud I get, and is there any specific promo going on or link I should click so someone can get a referral bonus?


Search threads for converting Avion points to British Airways. You'll see there's been a recurring promo (once a year? twice a year?) that offers a very good conversion rate.

NearlyAdventurous Sep 7, 2012 2:26 am

Any update for 2012? I am looking for a credit card for frequent flyer miles without flying for Canadians? I am about to move in Vancouver this October


All times are GMT -6. The time now is 12:13 am.


This site is owned, operated, and maintained by MH Sub I, LLC dba Internet Brands. Copyright © 2024 MH Sub I, LLC dba Internet Brands. All rights reserved. Designated trademarks are the property of their respective owners.