May 13, 2013, 10:15 pm
Last edit by: jerry305
CANADIAN REFERENCE ON FLYERTALK Canadian Credit Card Master List - Curated for Best Offer A complete listing of all the major credit cards in Canada along with their sign-up bonus, annual fee, CPM, and other pertinent information.
AMEX recent discussion American Express Canada application and reward strategies (2018) • Which credit card should I get? • Cards with good bonuses • List of Credit Cards with Great Welcome bonuses (RFD version)
BLOGS Canadian Kilometers • PointsNerd • Rewards Canada • Don't Call the Airline! • Pointshogger • Canadian Travel Hacking
CONFERENCE • PointsU conference (2018 & 2019 website)
MilesBuzz: Canada
Aug 5, 2015, 8:32 am
#2268
Join Date: Jan 2014
Location: YYZ
Programs: Aeroplan, Alaska, Marriott
Posts: 435
i've gone thru 2 iterations of the Aspire in the past, separated by 6 months or a year i think. Not sure what their requirement is in terms of time between cancel and re-app. I saw some references saying you can apply almost immediately, but i dont have any personal experience regarding that.
Their sign up bonus value isnt the greatest (about $300 net value), and it requires a $120 AF payment to get, but there isnt a lot to choose from in terms of hotel points, so i think its still somewhat worth it.
remember C1 pulls BOTH bureaus
Their sign up bonus value isnt the greatest (about $300 net value), and it requires a $120 AF payment to get, but there isnt a lot to choose from in terms of hotel points, so i think its still somewhat worth it.
remember C1 pulls BOTH bureaus
Last edited by Cerenity; Aug 5, 2015 at 8:37 am
Aug 5, 2015, 9:24 am
#2269
Join Date: Jan 2014
Location: yyz
Posts: 1,611
i've gone thru 2 iterations of the Aspire in the past, separated by 6 months or a year i think. Not sure what their requirement is in terms of time between cancel and re-app. I saw some references saying you can apply almost immediately, but i dont have any personal experience regarding that.
Their sign up bonus value isnt the greatest (about $300 net value), and it requires a $120 AF payment to get, but there isnt a lot to choose from in terms of hotel points, so i think its still somewhat worth it.
remember C1 pulls BOTH bureaus
Their sign up bonus value isnt the greatest (about $300 net value), and it requires a $120 AF payment to get, but there isnt a lot to choose from in terms of hotel points, so i think its still somewhat worth it.
remember C1 pulls BOTH bureaus
Aug 5, 2015, 1:50 pm
#2270
Join Date: Dec 2008
Posts: 4,519
so, i see a lot of talk about the IHG card recently due to the thought CaptialOne will not issuing this card soon. I am just wondering if the card that every one is apply be the 15K no annual fee version or the 60K $120K annual fee version? I can never justify $120 for only 60K IHG as I don't value IHG only based on 5K PB stay. your thought on this?
Aug 5, 2015, 2:09 pm
#2271
FlyerTalk Evangelist
Join Date: May 2015
Location: BOS, YVR, ZRH
Programs: *G
Posts: 17,400
I value IHG points at like 0.8cents (ThePointsGuy has it at 0.7cents, so similar), so the 60000 difference would be like 480.- - 120 = 360, with the 15k offer being worth 120.
If you transfer it to miles, it's still
15k = 3k miles*0.02= 60 dollars
60k = 12k miles*0.02=240.- - 120.- = 120.-
either way, it'll then come down to how much you value a hard pull.
If you transfer it to miles, it's still
15k = 3k miles*0.02= 60 dollars
60k = 12k miles*0.02=240.- - 120.- = 120.-
either way, it'll then come down to how much you value a hard pull.
Aug 5, 2015, 2:35 pm
#2272
Join Date: Jan 2014
Location: yyz
Posts: 1,611
so, i see a lot of talk about the IHG card recently due to the thought CaptialOne will not issuing this card soon. I am just wondering if the card that every one is apply be the 15K no annual fee version or the 60K $120K annual fee version? I can never justify $120 for only 60K IHG as I don't value IHG only based on 5K PB stay. your thought on this?
But I'm also a credit card junkie...so take my comments with a grain of salt.
Aug 6, 2015, 8:30 am
#2276
Join Date: Jan 2011
Location: YVR to SEA
Posts: 2,535
Aug 6, 2015, 3:03 pm
#2277
Join Date: Sep 2012
Location: YVR
Posts: 1,847
I value IHG points at like 0.8cents (ThePointsGuy has it at 0.7cents, so similar), so the 60000 difference would be like 480.- - 120 = 360, with the 15k offer being worth 120.
If you transfer it to miles, it's still
15k = 3k miles*0.02= 60 dollars
60k = 12k miles*0.02=240.- - 120.- = 120.-
either way, it'll then come down to how much you value a hard pull.
If you transfer it to miles, it's still
15k = 3k miles*0.02= 60 dollars
60k = 12k miles*0.02=240.- - 120.- = 120.-
either way, it'll then come down to how much you value a hard pull.
There's a purchase points mystery bonus on right now too, that you can use to top that up at a good value - which I could've used a few months ago:
Your next purchase of IHG® Rewards Club points could be your most rewarding one yet. Get a mystery bonus multiplier of 50%, 60%, 70%, 80%, 90% and even 100% of whatever is in your cart and bridge the gap to your next Reward Night—earn your free bonus when you purchase points from now until August 31, 2015.
I had to purchase 30K back in Feb. to top up my IHG account for a reservation, and while I didn't get the deal above or the 100% bonus deal before this, I only paid $267. US when the dollar was much better, and I am getting a $225 US + tax x 5 night room for free at the end of this month! Not to mention, the hotel manager gave me a room upgrade in advance because of my Platinum Status. I'm pretty happy!
Aug 6, 2015, 3:10 pm
#2278
FlyerTalk Evangelist
Join Date: May 2015
Location: BOS, YVR, ZRH
Programs: *G
Posts: 17,400
15K isn't even worth it, IMO...at least you can make use of the 60K straight away and get 2-3 nights at a hotel that will end up costing $200US a night.
There's a purchase points mystery bonus on right now too, that you can use to top that up at a good value - which I could've used a few months ago:
Your next purchase of IHG® Rewards Club points could be your most rewarding one yet. Get a mystery bonus multiplier of 50%, 60%, 70%, 80%, 90% and even 100% of whatever is in your cart and bridge the gap to your next Reward Night—earn your free bonus when you purchase points from now until August 31, 2015.
I had to purchase 30K back in Feb. to top up my IHG account for a reservation, and while I didn't get the deal above or the 100% bonus deal before this, I only paid $267. US when the dollar was much better, and I am getting a $225 US + tax x 5 night room for free at the end of this month! I'm pretty happy!
There's a purchase points mystery bonus on right now too, that you can use to top that up at a good value - which I could've used a few months ago:
Your next purchase of IHG® Rewards Club points could be your most rewarding one yet. Get a mystery bonus multiplier of 50%, 60%, 70%, 80%, 90% and even 100% of whatever is in your cart and bridge the gap to your next Reward Night—earn your free bonus when you purchase points from now until August 31, 2015.
I had to purchase 30K back in Feb. to top up my IHG account for a reservation, and while I didn't get the deal above or the 100% bonus deal before this, I only paid $267. US when the dollar was much better, and I am getting a $225 US + tax x 5 night room for free at the end of this month! I'm pretty happy!
Aug 6, 2015, 3:32 pm
#2279
Join Date: Sep 2012
Location: YVR
Posts: 1,847
Buying IHG points isn't worth it even with the 100% bonus IMHO, unless you need a specific amount. say, 120k for 690 USD means you're buying them at 0.575cpp, If they're worth 0.7cpp, that's barely below value - not bad, but not great. and that's only with the 100% bonus. I only got the 50% bonus, so I'd have to buy them at 0.76cpp...... definitely above value
In my case, at the end of the day I paid my $120CAD annual fee in January, and got over $900CAD of value with those 60,000 points - which means a $780CAD value for applying for that card. That's a decent sign up bonus for taking two HPs, wouldn't you say?
Aug 6, 2015, 7:07 pm
#2280
Original Poster
Join Date: Sep 2010
Location: Canadia
Programs: A loyal Amerisuites customer... oh wait
Posts: 2,033
RBC iPad promotion returns:
http://www.rbcroyalbank.com/open-an-...fer/index.html
The folks at RedFlagDeals differ on this one...
It seems like a great deal, but not if RBC actually decides to enforce their early cancellation provision. Kinda have to assume that they would.
http://forums.redflagdeals.com/rbc-o...-back-1785973/