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Originally Posted by jerry305
(Post 29398498)
Brim Financial cashback MasterCard
4% cashback on PAP (pre-approved payments) Some folks at RFD are getting excited about Brim Financial's cashback MasterCard. https://brimfinancial.com The World Elite card features: 2% cashback 4% cashback on PAP (pre-approved payments)... it's written as 2% cash back with a 2X multiplier $120 annual fee Reward earning, for some reason, caps out at $25,000 - $30,000 of spend per year. Example: Say you've got $1,000 in pre-approved payments per month / $12,000 per year • On a card where you earn 2%, value of points is $240 per year. • On the Brim Financial World Elite card, you earn 4%, so $480 per year. Annual fee is $120 per year. Net $360 per year. So at that level of spend, you're netting 3%. (Brim also has a $0 fee card, that pays 1% cashback, or 2% on PAP (pre-approved payments).) I'd say the World Elite card makes a lot of sense only if you (or your company) makes between $800 to $2,500 per month of pre-approved payments, and then it makes a lot of sense. |
Originally Posted by Hyacinthe
(Post 29421044)
Looks like one other benefit of Brim is the absence of Forex fees. :)
https://brimfinancial.com/legal/ |
Originally Posted by jerry305
(Post 29405136)
I know three people with RBC Rewards cards.
One hasn't been able to make use of her points. One uses his points to buy gift cards. (Ouch.) And myself, I signed up for the card just to get the signup bonus, and I haven't found a great redemption for the points, and I'll need to do that before the annual fee comes up. So I think there are a lot of people not making great use of their RBC Rewards points. This offer might be good for those folks who should just extract some value from their RBC points and be done with it. https://cimg8.ibsrv.net/gimg/www.fly...62c26595d4.png https://www.rbcrewards.com/#!/domore "Special limited time offer – convert your RBC Rewards points between February 1 and February 28, 2018 and receive 15% more in bonus WestJet dollars.† Promotional bonus WestJet dollars expire one year from date of issue. All eligible RBC Royal Bank® cardholders and other clients that earn RBC Rewards®points have the option of converting their points** into WestJet dollars‡ which can be applied like cash towards WestJet marketed and operated flights and WestJet Vacations‡ packages, at any time, for travel to any of WestJet's destinations in North America, Mexico, Hawaii and the Caribbean - even during seat sales! |
Originally Posted by keitherson
(Post 29421786)
transfering to Asia Miles Avios and AAdvantage isn't enough for people?
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Mine went to AAdvantage pre-devaluation and Avios post devaluation. I consider them to be secondary accounts
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Originally Posted by mahasamatman
(Post 29421836)
For the vast majority of Canadians, those are all relatively useless.
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Originally Posted by jerry305
(Post 29398498)
https://cimg3.ibsrv.net/gimg/www.fly...836c98a573.png
Brim Financial cashback MasterCard 4% cashback on PAP (pre-approved payments) Some folks at RFD are getting excited about Brim Financial's cashback MasterCard. https://brimfinancial.com The World Elite card features: 2% cashback 4% cashback on PAP (pre-approved payments)... it's written as 2% cash back with a 2X multiplier $120 annual fee Reward earning, for some reason, caps out at $25,000 - $30,000 of spend per year. Example: Say you've got $1,000 in pre-approved payments per month / $12,000 per year • On a card where you earn 2%, value of points is $240 per year. • On the Brim Financial World Elite card, you earn 4%, so $480 per year. Annual fee is $120 per year. Net $360 per year. So at that level of spend, you're netting 3%. (Brim also has a $0 fee card, that pays 1% cashback, or 2% on PAP (pre-approved payments).) I'd say the World Elite card makes a lot of sense only if you (or your company) makes between $800 to $2,500 per month of pre-approved payments, and then it makes a lot of sense. I need a Chase card replacement and it's gonna be either this or Rogers Bank. Rogers Bank seems a bit more established. Brim's website has a lot of things "coming soon" and feels a bit fly by night for a financial lender.. |
PAP's? Who has a lot of those that are credit cardable. IE utilities. I guess you could pay monthly on car insurance but it's cheaper to do a single payment anyway.
My worry is the 2% Capone and MBNA are dead cards walking. THAT WOULD HURT!!!!!!!!!!!! |
Originally Posted by mikeycanuk
(Post 29423735)
PAP's? Who has a lot of those that are credit cardable. IE utilities. I guess you could pay monthly on car insurance but it's cheaper to do a single payment anyway.
My worry is the 2% Capone and MBNA are dead cards walking. THAT WOULD HURT!!!!!!!!!!!! It's not looking good for my CapOne 2% Aspire Travel, and the MBNA Alaska seems to be hanging on by a thread, too. The only non-Amex cards I have that seem to have any value anymore are my RBC WestJet and Avion cards... |
Originally Posted by keitherson
(Post 29422218)
Who are these guys?
I need a Chase card replacement and it's gonna be either this or Rogers Bank. Rogers Bank seems a bit more established. Brim's website has a lot of things "coming soon" and feels a bit fly by night for a financial lender.. |
Originally Posted by mikeycanuk
(Post 29423735)
PAP's? Who has a lot of those that are credit cardable. IE utilities. I guess you could pay monthly on car insurance but it's cheaper to do a single payment anyway.
My worry is the 2% Capone and MBNA are dead cards walking. THAT WOULD HURT!!!!!!!!!!!! |
Originally Posted by emilio911
(Post 29425103)
I wouldn't worry about that. In order to become a MasterCard acquirer, they had to prove that there is pretty much 0 chance they ever do bankruptcy (if they ever do, it's because there's a major financial crash that affects multiple financial institutions at the same time).
What pisses me off again ..... is that it's not available to Quebec residents. :mad: like all the good cards |
Originally Posted by pokee
(Post 29425234)
A new card issuer going bankrupt isn't exactly on my radar...I am more concerned with lack of proper customer service and established/tested online account access. There's nothing worse than trying to deal with issues when you cannot reach someone to help, or when they are new staff that aren't skilled/experienced in dealing with issues. I'll stick with Amex, thanks very much.........
I see Brim as an excellent competitor to the Fido card, now that the Amazon card and the Marriott cards are gone. |
Originally Posted by emilio911
(Post 29425552)
Of course AMEX is superior
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In customer service? I've had nothing but excellence from all of their reps. Anecdotal evidence of course, but would probably rank them tops among all interactions with a call centre in any industry.
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Hey guys,
I got tired of not being able to tell which credit cards had the best sign-up bonus without having to search across multiple sources so I created a Google Sheet with all the information you need as a Canadian to make an informed decision. The sheet includes the sign-up bonus, minimum spend, days to meet the spend, annual fee, if first year is free, and other pertinent information. The best thing about the sheet is that you are able to multi-soft meaning if you want to find a card that offers Aeroplan, is First Year Free, has the lowest minimum spend requirement, and is a Visa ... you can find that by sorting across multiple columns. As I intend on keeping this list updated, I have locked it down so it is read-only. As a result, you will need to go to Data --> Filter views --> Create new temporary filter view. This will enable filtering. Another very powerful column is CPM (cents per mile) or the cost to obtain the sign-up bonus. The lower the CPM, the better the value. You can find the table at http://www.pointsnerd.ca/credit-card-table |
Looking for some historical insight regarding Aeroplan co-branded cards. I intend to apply for an aeroplan card with travel insurance in the next few months before booking a mini-RTW. I will charge the taxes to the card to be covered for trip interruption, flight and/or baggage delays. This is for a trip that is scheduled to last a few months so medical insurance from the card will not apply for the whole duration.
I may have difficulties satisfying the Visa Infinite income requirements (though I have been approved for BMO WE and MBNA WE), so I am at least looking at the TD Platinum Visa which has decent coverage. From what I recall, the TD Platinum Aeroplan never had the annual fee waived, so it would be my go-to card unless a better offer comes up on a Visa Infinite card. Does anyone remember when was the last time TD had a FYF offer on aeroplan cards (I believe they were on during spring last year)? |
Originally Posted by Hyacinthe
(Post 29438322)
Looking for some historical insight regarding Aeroplan co-branded cards. I intend to apply for an aeroplan card with travel insurance in the next few months before booking a mini-RTW. I will charge the taxes to the card to be covered for trip interruption, flight and/or baggage delays. This is for a trip that is scheduled to last a few months so medical insurance from the card will not apply for the whole duration.
I may have difficulties satisfying the Visa Infinite income requirements (though I have been approved for BMO WE and MBNA WE), so I am at least looking at the TD Platinum Visa which has decent coverage. From what I recall, the TD Platinum Aeroplan never had the annual fee waived, so it would be my go-to card unless a better offer comes up on a Visa Infinite card. Does anyone remember when was the last time TD had a FYF offer on aeroplan cards (I believe they were on during spring last year)? |
RBC Avion visa first year free + 25k points
Just updated WiKi with new RBC Avion Visa 25K point + No annual fee for the first year!
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Originally Posted by imverge
(Post 29439854)
Just updated WiKi with new RBC Avion Visa 25K point + No annual fee for the first year!
• "Apply Now" leads to old page with 15K only, so maybe it's not updated yet Special Offer: Sign up now for 15,000 bonus RBC Rewards® points1 |
Originally Posted by jerryhung
(Post 29439905)
Get 25,000 Welcome Points Upon Approval? plus get the 1st year annual fee waived? - RBC Royal Bank
"Apply Now" leads to old page with 15K only, so maybe it's not updated yet Special Offer: Sign up now for 15,000 bonus RBC Rewards® points1 As of right now, for me at least, this link does direct me to the 25,000 point bonus. So to anyone trying the link, yes, be sure you're getting a 25,000 offer. |
Originally Posted by jerryhung
(Post 29439905)
Get 25,000 Welcome Points Upon Approval? plus get the 1st year annual fee waived? - RBC Royal Bank
"Apply Now" leads to old page with 15K only, so maybe it's not updated yet Special Offer: Sign up now for 15,000 bonus RBC Rewards® points1 |
How much does it cost to transfer Avion points to partner airlines? (ie AA, CX, etc)
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Merci beaucoup!
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AMEX Business Platinum Card Changes
Just got a letter in the mail stating they are increasing annual fee from $399 to $499 but also introducing complimentary Priority Pass lounge visits for card holder and a guest (similar to Personal Platinum) which is a $99 USD annual value and each visit being complimentary is a $27 USD value person. |
Originally Posted by sxc234
(Post 29440159)
AMEX Business Platinum Card Changes
Just got a letter in the mail stating they are increasing annual fee from $399 to $499 but also introducing complimentary Priority Pass lounge visits for card holder and a guest (similar to Personal Platinum) which is a $99 USD annual value and each visit being complimentary is a $27 USD value person. |
Originally Posted by transportprof
(Post 29438790)
I don't know enough to answer your question about fee waivers, but I'd point out that most credit card medical insurance programs have a clause whereby if you are away for longer than the maximum coverage period, then none of your trip is covered for medical occurrences. This is different from what you suggest above, so please double check the fine print. It would suck to think you're covered and then not be due to such a technicality.
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RBC link not working for me either. First page shows the 25k offer but once our hit apply, it shows standard offer of 15k and no mention of fyf.
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Originally Posted by teriyaki
(Post 29440521)
RBC link not working for me either. First page shows the 25k offer but once our hit apply, it shows standard offer of 15k and no mention of fyf.
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That's a referral link. Is that allowed here?
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From T&C:
† To be exempt from the annual fee for one year (the “annual fee waiver offer”) and to receive 25,000 bonus RBC Rewards points (or welcome points), your application form must be received and approved by us. Upon enrolment, 25,000 bonus RBC Rewards points will appear on your first monthly statement. Additional cardholder(s), as well as existing RBC Visa Infinite Avion or Visa Platinum Avion, Cathay Pacific‡ Visa Platinum, British Airways‡ Visa Infinite, RBC Rewards Visa Preferred, RBC Avion Visa Infinite Privilege and RBC Avion Visa Infinite Privilege for Private Banking cardholders, applying for or transferring to an RBC Visa Infinite Avion card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Also, I can't find anything in T&C state about previous card holder. Last I have this card is back in 2014, wonder if anyone have this card more than once and got sign-up bonus more than once. Thanks. |
Originally Posted by sxc234
(Post 29440159)
AMEX Business Platinum Card Changes
Just got a letter in the mail stating... https://www.flyertalk.com/forum/amer...um-canada.html |
Originally Posted by mxqisit
(Post 29441449)
That's a referral link. Is that allowed here?
Going through RBC website only gives you 15K points and $120 annual fee. Looks like it's an exclusive offer. |
Originally Posted by alc
(Post 29441676)
From T&C:
so, if i read it correctly, having one of these existing RBC credit cards will not be eligible for this offer. is this normal for RBC? Also, I can't find anything in T&C state about previous card holder. Last I have this card is back in 2014, wonder if anyone have this card more than once and got sign-up bonus more than once. Thanks. |
Originally Posted by imverge
(Post 29442071)
You should have no problem getting the 25K and free first year. I've had the card x3 and each time I've gotten the bonus points and free first year. ;)
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Originally Posted by alc
(Post 29442327)
Thanks for the info. Will apply for it then.
But FYI, when I click "view detail" at last page, it still show 15K and no FYF. So, will see. |
Originally Posted by sxc234
(Post 29440159)
AMEX Business Platinum Card Changes
Just got a letter in the mail stating they are increasing annual fee from $399 to $499 but also introducing complimentary Priority Pass lounge visits for card holder and a guest (similar to Personal Platinum) which is a $99 USD annual value and each visit being complimentary is a $27 USD value person. |
Keep your eyes on your mailboxes! My wife's Loblaw card came today. Now just waiting for mine...
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Originally Posted by mahasamatman
(Post 29451561)
Keep your eyes on your mailboxes! My wife's Loblaw card came today. Now just waiting for mine...
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Originally Posted by tobegold
(Post 29452107)
Is that the $25 gift card for the bread price fixing scam?
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