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
Oct 3, 2015 | 8:26 am
#2551
Join Date: Mar 2011
Location: YVR
Programs: Accor Platinum,Aeroplan,BA,Marriot Rewards, Alaska Airlines, Amex Platinum, SPG
Posts: 190
What I am unsure about is how to apply for new MBNA cards but not increase my credit limit with MBNA (i.e., just spread out my existing credit with them). Their customer service is really bad over the phone.
Can I apply for, say, 2 new cards through GCR and then right away call to ask them not to give me additional credit?
Can I apply for, say, 2 new cards through GCR and then right away call to ask them not to give me additional credit?
Oct 5, 2015 | 12:39 pm
#2552
Join Date: Oct 2014
Location: Canada
Posts: 248
What I am unsure about is how to apply for new MBNA cards but not increase my credit limit with MBNA (i.e., just spread out my existing credit with them). Their customer service is really bad over the phone.
Can I apply for, say, 2 new cards through GCR and then right away call to ask them not to give me additional credit?
Can I apply for, say, 2 new cards through GCR and then right away call to ask them not to give me additional credit?
Oct 5, 2015 | 1:16 pm
#2553
Join Date: Oct 2013
Posts: 353
I found for my last few applications, they automatically spread out my existing credit from my other MBNA cards to the new applications. It was only when I cancelled that I called in to ask to make sure they move the credit from the cancelled card to one of the existing, active cards.
Oct 5, 2015 | 8:55 pm
#2554
Join Date: Mar 2007
Posts: 4,795
Interesting news regarding Capital One Aspire Travel cards. Starting this month, we will officially be able to redeem our miles without tiers, or minimum redemption. We will also be able to partially redeem towards large expenses (e.g. 15000 for $150 off a $200 charge). This is great news!
RFD (and I checked) reports online redemption on TRAVEL is now 2%, no tier, can be partial!!
http://forums.redflagdeals.com/capit.../#post23785653
Capital One Aspire Travel is now an even better card to have !!
Oct 6, 2015 | 9:40 am
#2555
Join Date: Jul 2007
Location: YYZ / BUF
Programs: Aeroplan - SkyMiles - HHonors
Posts: 113
Tangerine unveils money-back credit card
Tangerine has announced that it is adding a MasterCard credit card to its product offering as the no fee bank takes another step toward being an everyday bank.
The no fee card will offer money-back rewards, an automatic monthly redemption of these rewards and will allow customers to make online credit limit adjustments. The card will offer 2 per cent money-back rewards on purchases in two categories of their choice and 1 per cent on all other purchases, with no annual fee.
Tangerine is the direct banking arm of Bank of Nova Scotia.
The no fee card will offer money-back rewards, an automatic monthly redemption of these rewards and will allow customers to make online credit limit adjustments. The card will offer 2 per cent money-back rewards on purchases in two categories of their choice and 1 per cent on all other purchases, with no annual fee.
Tangerine is the direct banking arm of Bank of Nova Scotia.
Oct 6, 2015 | 10:10 am
#2556
Join Date: Aug 2013
Location: YYZ, YUL, PEK
Posts: 429
What do people think of the odds of applying for two MBNA offers (Alaska & BW), ~730 credit score, ~3 hard pulls in the past 6 months? Is MBNA particularly sensitive to too many hard pulls in the past 6 months?
Oct 6, 2015 | 3:14 pm
#2557
Join Date: Jan 2014
Location: yyz
Posts: 1,642
You should be fine, as long as those hard pulls aren't all with MBNA. You might not get auto-approved, but calling in after getting a conditional approval or even a "under review" usually works.
Oct 6, 2015 | 4:09 pm
#2558
Join Date: Mar 2008
Location: Toronto, Canada
Programs: Aeroplan, Bonvoy, Alaska, Avios
Posts: 1,295
My wife got a hard time from MBNA. Got denied from the start.
She called once and was told she had too many cc apps&cancellations. It was only when MBNA sent her an app for a PRE-APPROVED cc did she call and try again. The 3rd agent (a higher up I guess) apologized profusely that she had to jump through hoops to get the card.
I had no issues getting the card with more cards/cancellations and make I make less $.
Go figure.
She called once and was told she had too many cc apps&cancellations. It was only when MBNA sent her an app for a PRE-APPROVED cc did she call and try again. The 3rd agent (a higher up I guess) apologized profusely that she had to jump through hoops to get the card.
I had no issues getting the card with more cards/cancellations and make I make less $.
Go figure.
Oct 6, 2015 | 8:16 pm
#2559
Join Date: Jun 2011
Location: Montreal
Posts: 222
and it is true
RFD (and I checked) reports online redemption on TRAVEL is now 2%, no tier, can be partial!!
http://forums.redflagdeals.com/capit.../#post23785653
Capital One Aspire Travel is now an even better card to have !!
RFD (and I checked) reports online redemption on TRAVEL is now 2%, no tier, can be partial!!
http://forums.redflagdeals.com/capit.../#post23785653
Capital One Aspire Travel is now an even better card to have !!
Going on vacation with the inlaws this winter, had the choice of paying part of the rental condo or the car, chose the car as its less expensive, but now that i can use the points even if i dont cover the full amount is even better!! Free (or almost) vacations!!
Oct 7, 2015 | 3:05 pm
#2560
Join Date: Sep 2012
Location: YVR
Posts: 1,853
Really happy about this now that it's confirmed!!
Going on vacation with the inlaws this winter, had the choice of paying part of the rental condo or the car, chose the car as its less expensive, but now that i can use the points even if i dont cover the full amount is even better!! Free (or almost) vacations!!
Going on vacation with the inlaws this winter, had the choice of paying part of the rental condo or the car, chose the car as its less expensive, but now that i can use the points even if i dont cover the full amount is even better!! Free (or almost) vacations!!
Oct 7, 2015 | 9:19 pm
#2563
Join Date: Feb 2013
Location: YUL
Posts: 344
At first, I was excited for that Tangerine card, allowing people who do not meet World Elite income requirements to get 2% on several categories. Then, as someone pointed out on RFD, there is actually a better alternative.
Turns out if you apply for the MBNA Rewards WE ($89 AF, FYF) but do not meet the World Elite income requirements, you may be approved for the Platinum Plus version of the card, which offers the same earnings (2 points/$ spent, redeemable for cashback) but no WE benefits.
It is not very well advertised on the mbna website, but if you read the fine print (bolding mine):
That makes the MBNA card a much better option for me!
Turns out if you apply for the MBNA Rewards WE ($89 AF, FYF) but do not meet the World Elite income requirements, you may be approved for the Platinum Plus version of the card, which offers the same earnings (2 points/$ spent, redeemable for cashback) but no WE benefits.
It is not very well advertised on the mbna website, but if you read the fine print (bolding mine):
You understand that this constitutes an application for both a World Elite Account (“World Elite Account”) and a Platinum Plus Travel Account (“Platinum Plus Account”). If your application for a World Elite Account is not approved, then this application shall be considered as your request and consent to the opening of a Platinum Plus Account. The World Elite Account and the Platinum Plus Account have the same material financial terms unless otherwise disclosed to you in the Information Box accompanying this application. These Accounts also have similar rewards program terms, but may have different rewards earn rates, earn limits and embedded benefits. You further understand that the World Elite Account is a type of premium credit card (“Premium Card”). A Premium Card is only issued to a well-defined class of cardholders based upon individual spending and/or income thresholds, which may vary by the type of Premium Card. We will determine your eligibility for a Premium Card based on Premium Card requirements, which may change from time to time.
Oct 8, 2015 | 8:06 am
#2564
Join Date: Mar 2007
Posts: 4,795
just got email from Cap1
• No more redemption tiers! 100 reward miles = $1 in travel so you’ll always receive full value for your reward miles for travel.
• No more minimum redemption requirements! You can literally redeem for cents.
• Introducing partial redemptions! Redeem on a portion of a transaction – for example, redeem half of an overseas flight.
Redeeming your reward miles is easy. You can deduct the cost of travel purchases you’ve already made on your card by redeeming your reward miles for an account credit.
• No more redemption tiers! 100 reward miles = $1 in travel so you’ll always receive full value for your reward miles for travel.
• No more minimum redemption requirements! You can literally redeem for cents.
• Introducing partial redemptions! Redeem on a portion of a transaction – for example, redeem half of an overseas flight.
Redeeming your reward miles is easy. You can deduct the cost of travel purchases you’ve already made on your card by redeeming your reward miles for an account credit.
Oct 8, 2015 | 9:38 am
#2565
Join Date: Nov 2014
Posts: 114
Turns out if you apply for the MBNA Rewards WE ($89 AF, FYF) but do not meet the World Elite income requirements, you may be approved for the Platinum Plus version of the card, which offers the same earnings (2 points/$ spent, redeemable for cashback) but no WE benefits.
Last edited by barneyg_; Oct 8, 2015 at 11:01 am Reason: redacted