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FlyerTalk Forums Expert How-Tos and Guides

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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)

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Nov 6, 2015 | 10:26 pm

#2746

ecgz88

Join Date: May 2009

Posts: 882

just want to ask in Canada can I use prepaid Visa gift draw cash from ATM? I have some spending limit need to meet in 3 month,

anyone try the paypower? can you reload with CC? https://www.paypower.ca/ActivateRegi.../GetACardIndex

Last edited by ecgz88; Nov 6, 2015 at 10:37 pm

Nov 10, 2015 | 11:20 am

#2747

Smiley90

FlyerTalk Evangelist

Join Date: May 2015

Location: BOS, YVR, ZRH

Programs: *G

Posts: 18,127

Did you guys see this? The CIBC Tim's Card (i know lol) now offers free coffee every day for a year as a signup bonus:

http://www.doubledoublecard.com/offers/

If you drink Tim's each day this might actually make the card relevant! lol

Nov 10, 2015 | 11:26 am

#2748

pokee

Join Date: Sep 2012

Location: YVR

Posts: 1,853

Quote:

Originally Posted by Smiley90

This card is a PITA. It always malfunctions - not reliable in the slightest. I'm ditching it soon....

Nov 10, 2015 | 12:49 pm

#2749

mikeycanuk

Join Date: Mar 2008

Location: Toronto, Canada

Programs: Aeroplan, Bonvoy, Alaska, Avios

Posts: 1,295

How much is a CIBC Chequing Account?

Quote:

Open a CIBC Unlimited® Chequing Account or CIBC PremierService® Account by February 29, 2016.

I use PC Financial and pay zero. I also don't drink timmies.

Nov 10, 2015 | 1:06 pm

#2750

jerry305

Original Poster

Join Date: Sep 2010

Location: Canadia

Programs: A loyal Amerisuites customer... oh wait

Posts: 2,037

Quote:

Originally Posted by Smiley90

It's free, except for the part where you have to pay $14/month to keep a bank account active. And, of course, you'll need to pay that for at least 12 months.

Nov 10, 2015 | 1:12 pm

#2751

Smiley90

FlyerTalk Evangelist

Join Date: May 2015

Location: BOS, YVR, ZRH

Programs: *G

Posts: 18,127

Quote:

Originally Posted by jerry305

It's free, except for the part where you have to pay $14/month to keep a bank account active. And, of course, you'll need to pay that for at least 12 months.

Do CIBC accounts not have a "free with x balance" rule?

Nov 10, 2015 | 1:31 pm

#2752

Calliopeflyer

Join Date: Dec 2014

Posts: 402

Quote:

Originally Posted by Smiley90

Do CIBC accounts not have a "free with x balance" rule?

Amazingly, no. Neither does RBC......and they wondered why I didn't want to switch from TDCT. I get tremendous value from my all-inclusive account, and great service too. Yes, I'm a big fan (no, I don't work there).

Nov 11, 2015 | 6:04 am

#2753

MtlFire

Join Date: Feb 2010

Location: Canada

Programs: Hhonors Diamond, Fairmont Platinum

Posts: 377

Quote:

Originally Posted by Calliopeflyer

I'd have to disagree. My CIBC account has no fee's with a $1,500 balance. It was $1,000 but they increased it 4-5 years ago. The fees are charged and credited back the same day.

Nov 11, 2015 | 6:58 am

#2754

Calliopeflyer

Join Date: Dec 2014

Posts: 402

Quote:

Originally Posted by MtlFire

I'd have to disagree. My CIBC account has no fee's with a $1,500 balance. It was $1,000 but they increased it 4-5 years ago. The fees are charged and credited back the same day.

Thanks for the info. When I was account shopping about a year ago, I didn't find anything like that - do you have to be a student or senior or something? Are you limited to 10 transactions a month or something small?

(I've been with TDCT for decades, but every couple of years I shop around to see if I can find anything worth switching too, to make sure I'm getting the most bang for my buck.)

Last edited by Calliopeflyer; Nov 11, 2015 at 7:08 am

Nov 11, 2015 | 7:30 am

#2755

Cerenity

Join Date: Jan 2014

Location: YYZ

Programs: Aeroplan, Alaska, Marriott

Posts: 435

i think only the lowest CIBC plan has a balance based fee waiver

RBC as far as i know has none at all, but they do have multi-product discounts which can effectively be a fee waiver of some sort. How much benefit you get out of it depends on the person and banking needs.

TD, BMO, Scotia all have balance based fee waivers for most, if not all of their standard accounts. For us BMO works the best, since they only require one lead account to meet the min balance, versus TD which evaluates every single account individually for the minimum balance.

Nov 11, 2015 | 1:12 pm

#2756

NotJustDreaming

Join Date: Aug 2013

Location: YYZish

Programs: Bonvoy LTP/Titanium, IHG Diamond Ambassador, Hilton Diamond

Posts: 465

Quote:

Originally Posted by ecgz88

I was at Esso earlier today and asked the cashier about (but did not try) purchasing the PayPower reload cards. She said I could use a credit card for the purchase. From her reply, it seemed to me that not many people purchase the PayPower card or Reload cards at the Esso.

Nov 11, 2015 | 1:13 pm

#2757

bmabnorth

Join Date: Nov 2014

Location: various

Programs: whatever gets me where i want

Posts: 108

Got an e-mail offer telling me I can gain more miles on my TD Aeroplan Visa if I add authorized users. Doesn't seem like I can do this online. Anyone else get this offer in their e-mails?

Nov 11, 2015 | 5:13 pm

#2758

JJonahJ

Join Date: Dec 2011

Location: Canada

Programs: *void

Posts: 2,409

Quote:

Originally Posted by bmabnorth

Got an e-mail offer telling me I can gain more miles on my TD Aeroplan Visa if I add authorized users. Doesn't seem like I can do this online. Anyone else get this offer in their e-mails?

I think I've seen it in my emails, but didn't look 'attractive', with a cost to add additional users.

Was your offer for free authorized users? How many bonus points?

Or was it a marketing ploy? As in, "Add more authorized users and watch your points grow!" :-/

Nov 11, 2015 | 9:43 pm

#2759

bmabnorth

Join Date: Nov 2014

Location: various

Programs: whatever gets me where i want

Posts: 108

Quote:

Originally Posted by JJonahJ

Didn't have time to call and put myself on hold for 20 min yet. Also not sure if I want to give someone a supplemental card (worse comes to worse I can just keep it for myself). E-mail didn't specify any costs or what kind of reward would be offered. Could be a spam like you say so didn't want to waste my time calling in.

Amex is offering me a 1k MR for supplementary card but their link is broken. Maybe I'll call and find out over the weekend what the situation is for both.

Nov 11, 2015 | 10:02 pm

#2760

crimsona

Join Date: Jan 2011

Location: YVR to SEA

Posts: 2,685

Authorized user on the TD card is fifty bucks each.

Fee is waived with all inclusive for the first one though. Free 5k if attached to all inclusive, 1 cent per mile if not. Either way you'll get another card number to use I shop.ca for their overpriced inventory though.