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
Jul 17, 2017, 10:35 am
#4171
Join Date: May 2014
Posts: 154
This is the response I received today when my GCR rebate didn't show up:
MBNA has completed their investigation for inquiries submitted last month. They did not approve your missing transaction inquiry because you had a prior Alaska card at MBNA. MBNA offers a rebate for new Alaska card clients only. It is stated on the MBNA page on our site.
MBNA has completed their investigation for inquiries submitted last month. They did not approve your missing transaction inquiry because you had a prior Alaska card at MBNA. MBNA offers a rebate for new Alaska card clients only. It is stated on the MBNA page on our site.
Jul 17, 2017, 10:42 am
#4172
Join Date: May 2014
Posts: 154
Just seen this today.
TD Cash Back Visa Infinite* Card
Welcome Bonus: Earn 6% in Cash Back Dollars on grocery purchases, gas purchases and regularly recurring bill payments for the first 3 months to a total spend of $3500.
Plus, for a limited time, get a full Annual Fee rebate for the Primary Cardholder for the first year.
Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your Account
Earn 1% in Cash Back Dollars on all other Purchases made with your Card
TD Cash Back Visa Infinite* Card
Welcome Bonus: Earn 6% in Cash Back Dollars on grocery purchases, gas purchases and regularly recurring bill payments for the first 3 months to a total spend of $3500.
Plus, for a limited time, get a full Annual Fee rebate for the Primary Cardholder for the first year.
Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your Account
Earn 1% in Cash Back Dollars on all other Purchases made with your Card
Jul 17, 2017, 11:44 am
#4173
Original Poster
Join Date: Sep 2010
Location: Canadia
Programs: A loyal Amerisuites customer... oh wait
Posts: 2,033
TD Cash Back Visa Infinite* Card
Welcome Bonus: Earn 6% in Cash Back Dollars on grocery purchases, gas purchases and regularly recurring bill payments for the first 3 months to a total spend of $3500.
Plus, for a limited time, get a full Annual Fee rebate for the Primary Cardholder for the first year.
Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your Account
Earn 1% in Cash Back Dollars on all other Purchases made with your Card
Okay, then. If it's ANY kind of spend,
Here's how I measure this card:
6% on the first $3500 of any kind of spend
- 2% (the value that I would get elsewhere on that spend anyway)
= 4% x $3500 = $140 value
But, the Terms & Conditions on TD's website are clear that 6% is only for gas + groceries + recurring merchant categories. Does your email show different Terms?
If it's indeed 6% on any kind of spend, then this card is good enough for me.
But I'd need to see those Terms on my application.
Welcome Bonus: Earn 6% in Cash Back Dollars on grocery purchases, gas purchases and regularly recurring bill payments for the first 3 months to a total spend of $3500.
Plus, for a limited time, get a full Annual Fee rebate for the Primary Cardholder for the first year.
Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your Account
Earn 1% in Cash Back Dollars on all other Purchases made with your Card
Here's how I measure this card:
6% on the first $3500 of any kind of spend
- 2% (the value that I would get elsewhere on that spend anyway)
= 4% x $3500 = $140 value
But, the Terms & Conditions on TD's website are clear that 6% is only for gas + groceries + recurring merchant categories. Does your email show different Terms?
If it's indeed 6% on any kind of spend, then this card is good enough for me.
But I'd need to see those Terms on my application.
Last edited by jerry305; Jul 17, 2017 at 1:43 pm
Jul 17, 2017, 9:36 pm
#4176
Join Date: Jun 2015
Location: YYZ
Posts: 123
Jul 18, 2017, 2:50 pm
#4177
FlyerTalk Evangelist
Join Date: May 2015
Location: BOS, YVR, ZRH
Programs: *G
Posts: 17,398
Datapoint: My application for a BW Card with the renewed offer was declined, in the letter I received it explicitly stated it was because I already had a BW Credit Card. So it seems definitely like the Alaska card, MBNA is tightening things to 1 card of each kind at a time.
Jul 19, 2017, 10:27 am
#4178
Join Date: Mar 2017
Posts: 73
Datapoint: My application for a BW Card with the renewed offer was declined, in the letter I received it explicitly stated it was because I already had a BW Credit Card. So it seems definitely like the Alaska card, MBNA is tightening things to 1 card of each kind at a time.
Jul 19, 2017, 5:46 pm
#4179
Join Date: Dec 2011
Location: West
Posts: 3,357
Thank you. I did already see 20,000 Best Western points earned attached with my first purchase with the card, plus the small additional points I've been earning with regular spending. I was wondering if the next tiered 20,000 points for spending $1000 within 90 days would appear right away, or do I need to wait for the full 90 days. I suppose I can find out once I reach $1000 in spending, later this week.
Jul 19, 2017, 8:19 pm
#4180
Join Date: May 2013
Programs: Aeroplan, BONVOY GOLD
Posts: 313
TD Cash Back Visa Infinite* Card
Welcome Bonus: Earn 6% in Cash Back Dollars on grocery purchases, gas purchases and regularly recurring bill payments for the first 3 months to a total spend of $3500.
Plus, for a limited time, get a full Annual Fee rebate for the Primary Cardholder for the first year.
Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your Account
Earn 1% in Cash Back Dollars on all other Purchases made with your Card
Okay, then. If it's ANY kind of spend,
Here's how I measure this card:
6% on the first $3500 of any kind of spend
- 2% (the value that I would get elsewhere on that spend anyway)
= 4% x $3500 = $140 value
But, the Terms & Conditions on TD's website are clear that 6% is only for gas + groceries + recurring merchant categories. Does your email show different Terms?
If it's indeed 6% on any kind of spend, then this card is good enough for me.
But I'd need to see those Terms on my application.
Welcome Bonus: Earn 6% in Cash Back Dollars on grocery purchases, gas purchases and regularly recurring bill payments for the first 3 months to a total spend of $3500.
Plus, for a limited time, get a full Annual Fee rebate for the Primary Cardholder for the first year.
Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your Account
Earn 1% in Cash Back Dollars on all other Purchases made with your Card
Okay, then. If it's ANY kind of spend,
Here's how I measure this card:
6% on the first $3500 of any kind of spend
- 2% (the value that I would get elsewhere on that spend anyway)
= 4% x $3500 = $140 value
But, the Terms & Conditions on TD's website are clear that 6% is only for gas + groceries + recurring merchant categories. Does your email show different Terms?
If it's indeed 6% on any kind of spend, then this card is good enough for me.
But I'd need to see those Terms on my application.
+1 Would only be worth it if the promo was on all purchase, not just gas/groceries etc.
I called and asked if there is any promo like this and the rep was pretty confident that its gas grocery etc
Jul 19, 2017, 11:12 pm
#4181
Original Poster
Join Date: Sep 2010
Location: Canadia
Programs: A loyal Amerisuites customer... oh wait
Posts: 2,033
Link to offer...
Earn $300*!
Open a CIBC Smart™ Account
https://www.cibc.com/en/special-offers/cibc-smart.html
Terms:
https://www.cibc.com/content/dam/per...aug2017-en.pdf
Note:
Deadline is actually August 25, unless you open the account in person at branch.
Earn $300*!
Open a CIBC Smart™ Account
https://www.cibc.com/en/special-offers/cibc-smart.html
Terms:
https://www.cibc.com/content/dam/per...aug2017-en.pdf
Note:
Deadline is actually August 25, unless you open the account in person at branch.
Doing a pre-authorized payroll deposit is sufficient to satisfy the terms of the offer. Many payroll providers can issue your paycheque in two amounts. So I've asked my payroll provider to pay $100 into this account twice a month, and the remainder of my paycheque going into my main bank account. Easy.
The CIBC account manager emphasized that I need to keep the account open for "three whole months". I think he is quite used to churners opening these accounts.
Jul 20, 2017, 12:15 am
#4182
Join Date: Mar 2017
Posts: 73
I applied for this account. Whole process took about 15 minutes.
Doing a pre-authorized payroll deposit is sufficient to satisfy the terms of the offer. Many payroll providers can issue your paycheque in two amounts. So I've asked my payroll provider to pay $100 into this account twice a month, and the remainder of my paycheque going into my main bank account. Easy.
The CIBC account manager emphasized that I need to keep the account open for "three whole months". I think he is quite used to churners opening these accounts.
Edit: Went to apply and saw. "If you don't meet any of the qualifications or conditions, or don’t consent to a credit check, please visit a CIBC Banking Centre."
Jul 20, 2017, 7:33 am
#4183
Join Date: May 2014
Posts: 154
The offer to "Earn 6% in Cash Back Dollars on all purchases made in the first 3 months of Account opening, to a total maximum spend of $3,500" came in the paper mail. Maybe it's too new and the TD reps are not yet familiar with it?
Last edited by WKnight; Jul 20, 2017 at 7:38 am
Jul 20, 2017, 7:38 am
#4184
Join Date: May 2014
Posts: 154
Thanks. I do see the initial 20,000 points in the MBNA Rewards Earning Activity page, and it is tied to the first purchase that I made. I have now surpassed the first $1000, but there is no additional 20,000 tied to the spending that put me over. I did have a small refund, but it's still totaling up to more than $1000. Maybe I'll see the points when the first statement closes.
Jul 20, 2017, 8:10 am
#4185
Join Date: May 2013
Programs: Aeroplan, BONVOY GOLD
Posts: 313
Thanks! Is there any offer code or anything like that in your letter?