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durberville Aug 30, 2013 10:26 am


Originally Posted by Cruban (Post 21363208)
Is there a limit on the number of coins purchased?
I'm assuming you had to physically purchase them at the mint?

They started imposing a limit lower than 10 (2 or 3 I believe) around the time I stopped. I don't know if it's still active or not. Givem' a call!

jerry305 Aug 31, 2013 11:14 pm

September?
 

Originally Posted by jerry305 (Post 21302441)
BMO phone reps told me today that they're only offering the 15,000 point bonus. However, the 20,000 point bonus offer remains active on the BMO website.


• BMO's link for the 20,000 point deal has now gone dead.
• CIBC's 15,000 point offers that were to end August 31 do in fact appear as expired.

Hopefully there's new offers emerging in September. Please post anything new that you find. Cheers.

Shareholder Sep 1, 2013 7:08 am


Originally Posted by Cruban (Post 21363208)
Is there a limit on the number of coins purchased?
I'm assuming you had to physically purchase them at the mint?

Coins can be bought online from the mind and there's no HST/GST/PST and postage is free. Surprised the Mint hasn't clamped down on this sooner as the US Mint did when US FTers flooded them with cc orders for $1 coins to earn FF miles.

erik19283 Sep 1, 2013 3:33 pm


Originally Posted by Shareholder (Post 21371386)
Coins can be bought online from the mind and there's no HST/GST/PST and postage is free. Surprised the Mint hasn't clamped down on this sooner as the US Mint did when US FTers flooded them with cc orders for $1 coins to earn FF miles.

Wow~! You really bought them from the mind? ;)

Sorry, I couldn't resist. :D

jerry305 Sep 1, 2013 8:36 pm


Originally Posted by Shareholder (Post 21371386)
Coins can be bought online from the mind and there's no HST/GST/PST and postage is free. Surprised the Mint hasn't clamped down on this sooner as the US Mint did when US FTers flooded them with cc orders for $1 coins to earn FF miles.

I'm on the mint's website now.

The only SKU I can find is this:
$20 for $20 Fine Silver Coin - Iceberg and Whale (2013)

Price is $20 each + no shipping. Maximum quantity: 3.
Everything else (that I can find) sold out, is priced above face value, or has a shipping charge.

http://www.mint.ca/store/dyn/MEDIA_P...58_rev-135.png

jerry305 Sep 3, 2013 9:14 am

BMO World Elite MasterCard: $300 bonus
 
Bank of Montreal World Elite MasterCard has amended their signup bonus to reflect their new points system.

Link to BMO website: http://www.bmo.com/home/personal/ban...ite-mastercard

Get bonus points worth $300 in travel credit, and 2% on spend.
Annual fee: $150.

(History: The bonus amount had been $285 worth of credit, and then they bumped it up to $380 worth, and then they changed the point value, so the startup bonus was actually $400 if you clicked on the link for a period of about 2 weeks. Now it's $300, which is still pretty good.)

pokee Sep 3, 2013 10:59 am


Originally Posted by jerry305 (Post 21302441)
Bank of Montreal has upped the reward redemption rate on the BMO Rewards World Elite MasterCard. The rate is now 2%, up from 1.9%.

The standard offer is 15,000 points, which at 1.9%, was worth $285.

However, the 20,000 points bonus offer appears to still work. That'd be $400 in travel credit. Annual fee remains at $150.
That's a $250 gain instantly. I think this is one of the best cards out there now.

• Supplementary cards are now free.
• Priority Pass access to VIP airport lounges (4 visits per year).
• $70,000 income or $120,000 household income required.
• More at http://bmorewards.com

That's great! Too bad it's too late for me. :( I did an upgrade last year for a really long-standing cc account I have at BMO, and got a pro-rated annual fee, plus the $285 (which got me 3 nights in LA-yay!) plus using my 4 passes later this year! I just down-graded again to avoid the annual fee, and plan to upgrade again in a year or two! It's a great churn for me!

superdawg Sep 4, 2013 6:28 am


Originally Posted by jerry305 (Post 21381547)

(History: The bonus amount had been $285 worth of credit, and then they bumped it up to $380 worth, and then they changed the point value, so the startup bonus was actually $400 if you clicked on the link for a period of about 2 weeks. Now it's $300, which is still pretty good.)

So when you signed up for the 'Golf' offer of 20,000 points did they double it when it was posted in your account? ie does your account now have 40,000 points instead of 20,000? AFAIK the point value never changed it was 1.9% until August 31 and now it is 1% but of course the card now earns 2 points per dollar instead of 1? I'm just curious as I posed this question to my BMO contact but have not heard back yet so perhaps you can answer faster than they do! (Also noticed my posts from yesterday have been deleted... :( )

MileageAddict Sep 4, 2013 7:25 am

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superdawg Sep 4, 2013 7:35 am

@MileageAddict

Got it! Thanks, guess it goes to show I should spend more time on FT like I used too! Not aware of the new rules!

jerry305 Sep 4, 2013 8:37 am


Originally Posted by superdawg (Post 21386550)
So when you signed up for the 'Golf' offer of 20,000 points did they double it when it was posted in your account? ie does your account now have 40,000 points instead of 20,000? AFAIK the point value never changed it was 1.9% until August 31 and now it is 1% but of course the card now earns 2 points per dollar instead of 1? I'm just curious as I posed this question to my BMO contact but have not heard back yet so perhaps you can answer faster than they do! (Also noticed my posts from yesterday have been deleted... :( )

Yes. I signed up with the 20,000 offer.

The BMO phone rep told me that whatever points were in the account on August 31 would be doubled for September 1.
That transaction worked fine on my account:
My point total was 20,516 on August 31.
On Sept 1, they gave me a credit adjustment for exactly 20,516 more points.
My Points Balance is now 41,032 points.

The old points were worth 1.9 cents. (20,516 x 1.9c = $389.80)
The new points are worth 1 cent. (41,032 x 1.0c = $410.32)

It's all good.

superdawg Sep 4, 2013 8:50 am

@jerry305 Thanks for the answer, that is great to hear for those who did sign up for the card with the 20K link!

jerry305 Sep 4, 2013 9:37 am


Originally Posted by superdawg (Post 21387234)
@jerry305 Thanks for the answer, that is great to hear for those who did sign up for the card with the 20K link!

The conversion happened August 31.
The 20,000 link was still available on the BMO website until August 31.

So there will be some people who would've applied for the card in time, but too late to make their first spend (or even get their card) by August 31.

For those people, it would be appropriate to call and verify that BMO awards 40,000 points. You accepted the offer for 20,000 old points, and that's the value you should get.

If you're in that camp, I recommend you call to ensure that it's processed properly, because this might not be an automatic process.

SKYEG Sep 4, 2013 10:09 am

Some few more deals, Amex Gold is going for 25K Sign up bonus, Aeroplan Amex Gold is going for 20K sign up bonus, both first year free. If you get referred for Amex Aeroplan Gold, you get 30K instead of the 20K.

Buzz Lightyear Sep 4, 2013 11:20 am


Originally Posted by jerry305 (Post 21387534)

For those people, it would be appropriate to call and verify that BMO awards 40,000 points. You accepted the offer for 20,000 old points, and that's the value you should get.

If you're in that camp, I recommend you call to ensure that it's processed properly, because this might not be an automatic process.

That's the boat I'm in....approved for the card on aug 28, confirmed on the phone the 20k bonus, but don't have the card yet.

I'll find out soon hopefully!

Preacher7 Sep 4, 2013 12:14 pm

I have an Amex gold. To get the bonus on a second one, do I need to close the first one, and if so, how long should I wait to apply after closing? Also, if I have an Amex biz gold, close the Amex gold, will I lose the mr points associated with my personal card, or will I keep them because i have another mr card, the biz gold, active? Thx for your help!

jerryhung Sep 4, 2013 2:38 pm


Originally Posted by Preacher7 (Post 21388475)
I have an Amex gold. To get the bonus on a second one, do I need to close the first one, and if so, how long should I wait to apply after closing? Also, if I have an Amex biz gold, close the Amex gold, will I lose the mr points associated with my personal card, or will I keep them because i have another mr card, the biz gold, active? Thx for your help!

I haven't heard of anyone holding 2 Personal GOLD concurrently (vs. I know people have 2 CIBC Aerogold concurrently)

I personally would cancel, and re-apply after 3 months (or 6 months)
or alternate between Personal Gold and Biz Gold

You need at least ONE AMEX MR card active to not lose your AMEX MR account, unless you want to transfer all out every time. Keep that in mind

There's no rush really, I'm sure the 25K Welcome bonus is here to stay

pokee Sep 4, 2013 3:01 pm

I am considering applying for Biz Gold so I can cancel my Personal Gold (and reapply 6-12 months later) but keep my MRs alive. What qualifies as a 'business'? I sell stuff on ebay, so I am wondering if that would be legit - or is there a minimum requirement for business spending/profits? Does the company have to be registered to pay taxes, have a minimum amount of employees, etc. to qualify? Also, is it okay to apply in your own name, or do you have to apply with a business name?

jerry305 Sep 4, 2013 3:19 pm


Originally Posted by pokee (Post 21389298)
I am considering applying for Biz Gold so I can cancel my Personal Gold (and reapply 6-12 months later) but keep my MRs alive. What qualifies as a 'business'? I sell stuff on ebay, so I am wondering if that would be legit - or is there a minimum requirement for business spending/profits? Does the company have to be registered to pay taxes, have a minimum amount of employees, etc. to qualify? Also, is it okay to apply in your own name, or do you have to apply with a business name?

I just used the name of a pet project as my business. No, you don't need to show business registration. It's still a personal credit card account under the same person's name.

More good discussion on this topic at
Churning Amex in Canada forum:
http://www.flyertalk.com/forum/ameri...da-32.html#468

pokee Sep 4, 2013 4:20 pm


Originally Posted by jerry305 (Post 21389393)
I just used the name of a pet project as my business. No, you don't need to show business registration. It's still a personal credit card account under the same person's name.

More good discussion on this topic at
Churning Amex in Canada forum:
http://www.flyertalk.com/forum/ameri...da-32.html#468

Just so everyone is aware, the Amex Gold Biz application does ask for "Legal Business name (registered)" on the app. I applied and got a 'conditional' acceptance based on verifying the information I provided. Since I only provided my name, address, my personal income and business name, I suspect it's my business that they'll be attempting to verify. Anyone had this same response to their biz Gold app?

Cruban Sep 5, 2013 6:50 am

When I applied for the Biz Gold last year I listed my employers name, which happens to be the federal government. I was conditionally approved and called in to the CSR who asked me if I was the owner of the Department of XXXX. I said no, I wish, just a lowely public servant who wants to use the card to keep my work expenses separate from my personal cards. He didn't ask anymore questions and approved the application.
But like always, YMMV.

allbrosca Sep 5, 2013 8:16 am


Originally Posted by pokee (Post 21389733)
Just so everyone is aware, the Amex Gold Biz application does ask for "Legal Business name (registered)" on the app. I applied and got a 'conditional' acceptance based on verifying the information I provided. Since I only provided my name, address, my personal income and business name, I suspect it's my business that they'll be attempting to verify. Anyone had this same response to their biz Gold app?

I was approved for a VISA business card and under business name I just put my own name. If questioned I would have told them I was self employed, but it was approved without question. They sent me the application so I figure they wanted me to apply!

pokee Sep 5, 2013 11:25 am


Originally Posted by Cruban (Post 21392615)
When I applied for the Biz Gold last year I listed my employers name, which happens to be the federal government. I was conditionally approved and called in to the CSR who asked me if I was the owner of the Department of XXXX. I said no, I wish, just a lowely public servant who wants to use the card to keep my work expenses separate from my personal cards. He didn't ask anymore questions and approved the application.
But like always, YMMV.

Yeah, I am wondering if I should just call in and get it over with. This happened to me with my SPG Amex where I waited and waited after being conditionally approved online, and then called in and it was just approved over the phone after verifying some lame info.

edit: Just called CSR and found out that my application was approved this morning. Same sort of thing as happened with my SPG. Oh well - looks like this was not a problem, so all good in the land of Amex again! :)

sailingman22 Sep 6, 2013 2:57 pm

Alaska Airlines Credit Card upgrade
 
There is a letter going out from MBNA to specific customers to upgrade their Alaska Airlines CC to World Elite. This is a targeted mailing according the MBNA Customer Service that meet certain income limits.

It includes 10,000 Alaska Airlines miles and additional benefits to the card. There is no increase in annual fees. If you either have a combined income of $120,000 or a high single income, can't remember the figure, either call their Customer Service number or log onto the MBNA website, add your cc to your profile and click on rewards. If the World Elite banner does not drop down, you will need to call to determine if you qualify.

I had one card approved but my second card wasn't until I spoke with the rep who updated my income information. My wife did not receive the upgrade until she spoke with them about our combined income.

Good Luck

jerry305 Sep 8, 2013 12:55 pm

AB, SK, NWT only: 5000 Aeroplan: Rexall prescription
 
(Alberta, Saskatchewan, NWT only)

Transfer an existing prescription to Rexall: earn 3,000 Bonus Aeroplan Miles.
Refill the transferred prescription: 2,000 more Bonus Aeroplan Miles.

Expires this week: Saturday, September 14.

http://www3.aeroplan.com/static/pdf/...?cid=000539319

Found at: http://www.canadiantravelhacking.com...-prescription/

jerry305 Sep 10, 2013 8:38 am

Best Western MasterCard: $200 in gift cards
 
EDIT: This link expired in late November. Sorry.


Best Western Rewards MasterCard promo has returned!

Sign up bonus: 50,000 points.
Minimum spend: $1,000 by November 30.

Best Western Rewards convert to gift cards at a good rate: 6500 points gets you $25 gift cards at commonly used locations, including gas and Walmart. Here's the sweet spot: If your total spend reaches just $1,334, you'll have earned a total of 52,000 points, which is enough to get $200 worth of gift cards.

This is a very good promo for a card with no annual fee.

More discussion at Canadian Kilometers blog

MBNA website offer: https://www.applyonlinenow.com/CACCa...=CPYG&lc=en_CA

jerry305 Sep 10, 2013 2:28 pm

Canadian RBC Avios Visa Infinite: 45,000 Signup bonus
 
Apply today and receive 15,000 Avios upon approval.
Plus, for a limited time, get an extra 30,000 Avios if you spend $3,000 in each of the first 3 months using your RBC British Airways Visa Infinite card.
That adds up to 45,000 Avios to help you get to your dream destination faster!

Annual fee is $165. The first year fee is not waived.

LINK: http://www.rbcroyalbank.com/credit-cards/camp/ba/1303/

More at this thread: Canadian RBC Avios Visa Infinite - 45,000 Signup bonus

Coolers Sep 11, 2013 9:45 am


Originally Posted by jerry305 (Post 21421813)
Apply today and receive 15,000 Avios upon approval.
Plus, for a limited time, get an extra 30,000 Avios if you spend $3,000 in each of the first 3 months using your RBC British Airways Visa Infinite card.
That adds up to 45,000 Avios to help you get to your dream destination faster!

Annual fee is $165. The first year fee is not waived.

LINK: http://www.rbcroyalbank.com/credit-cards/camp/ba/1303/

More at this thread: Canadian RBC Avios Visa Infinite - 45,000 Signup bonus

I took advantage of this the last time it was offered, 50k with $5k spending over 3 months (I think), but this is too much spend IMO.

pokee Sep 11, 2013 5:20 pm


Originally Posted by Coolers (Post 21426157)
I took advantage of this the last time it was offered, 50k with $5k spending over 3 months (I think), but this is too much spend IMO.

Yeah, I did this with the BA Visa to get the 50k and it was really, really challenging to get $5k in 3 months even with Xmas coming.

I am currently getting ready to spend $3k in 3 months with my new Biz Amex and that will prove to be challenging enough - esp. since my Amex cannot be used everywhere I spend.:eek:

rea1 Sep 11, 2013 6:37 pm


Originally Posted by pokee (Post 21428703)
Yeah, I did this with the BA Visa to get the 50k and it was really, really challenging to get $5k in 3 months even with Xmas coming.

I am currently getting ready to spend $3k in 3 months with my new Biz Amex and that will prove to be challenging enough - esp. since my Amex cannot be used everywhere I spend.:eek:


It is tough to spend 9K in 3 month as have to fulfill 3k for AMEX gold biz, even more difficult as I plan to apply extra RBC BA CC for my wife.:(

At the end of the day, fact in $165 fee 3% paypal cost to manufacture these 54k (45k+9k) avios points, return is not great: (165+270)/54k=0.8 cpm, cheaper then buy avios, but worse then AMEX plat.

pokee Sep 12, 2013 3:00 pm


Originally Posted by rea1 (Post 21429062)
It is tough to spend 9K in 3 month as have to fulfill 3k for AMEX gold biz, even more difficult as I plan to apply extra RBC BA CC for my wife.:(

At the end of the day, fact in $165 fee 3% paypal cost to manufacture these 54k (45k+9k) avios points, return is not great: (165+270)/54k=0.8 cpm, cheaper then buy avios, but worse then AMEX plat.

Yeah, I did the paypal thing to make a minimum spend once for SPG Amex, and it was only a slightly better deal that it would've been to purchase the miles. But...I got a big bonus, which was nice.

Some people have suggested buying gift cards for future purchases to make a minimum spend.

It's hard to plan these things, but I figure that It's safer to apply for the cards with the big minimum spends around Xmas time, as that is when I spend the most money. It worked last year with the BA Visa, so I think it should work again this year...

JJonahJ Sep 12, 2013 3:27 pm

One of my biggest AMEX purchases is for my home and auto insurance. If I can plan to apply for a big-spend card right around my renewal date, then I can pay a big chunk off with that one item. Or, if not, I'll switch my insurance payments back to pre-authorized monthly debits from my bank account, and then if a promo comes along requiring a big spend, I'll call into the insurance company to ask for the remaining balance on my annual insurance premiums to be paid off in one big lump sum.

Otherwise, yeah, XMAS time is a good time to plan around for these cards.

thatsthatmattressman Sep 13, 2013 7:18 pm

CapitalOne World Mastercard IHG Priority Club
 
Hi folks, thought this was the best forum to post in. I am a Canadian who has a CapitalOne World Mastercard IHG Priority Club. Need to know if I stay at IHG properties around the world; and I use the card - do I qualify for the various points (5X at IHG properties) bonuses that I would if I stayed at an IHG property in Canada.

Any insight would be helpful thanks.

yerffej201 Sep 13, 2013 11:10 pm


Originally Posted by thatsthatmattressman (Post 21441770)
Hi folks, thought this was the best forum to post in. I am a Canadian who has a CapitalOne World Mastercard IHG Priority Club. Need to know if I stay at IHG properties around the world; and I use the card - do I qualify for the various points (5X at IHG properties) bonuses that I would if I stayed at an IHG property in Canada.

Any insight would be helpful thanks.

Welcome to Flyertalk!
Yes, you should be earning 5x on all IHG spend AFAIK.

erik19283 Sep 14, 2013 6:19 am


Originally Posted by pokee (Post 21434553)
Yeah, I did the paypal thing to make a minimum spend once for SPG Amex, and it was only a slightly better deal that it would've been to purchase the miles. But...I got a big bonus, which was nice.

Some people have suggested buying gift cards for future purchases to make a minimum spend.

It's hard to plan these things, but I figure that It's safer to apply for the cards with the big minimum spends around Xmas time, as that is when I spend the most money. It worked last year with the BA Visa, so I think it should work again this year...

What's the paypal thing? You sell something to yourself?

jerry305 Sep 14, 2013 4:22 pm

MBNA Alaska Airlines MasterCard
 
I don't believe this card has been officially introduced in this thread yet.

Link to MBNA: MBNA Alaska Airlines MasterCard
(Added: ) Link to Great Canadian Rebates ($60 rebate): http://www.greatcanadianrebates.ca/d...aska-Airlines/

• 25,000 Bonus Miles upon approval‡‡
• An annual coach Companion Fare every year from $118 (USD) ($99 base fare, plus taxes and fees from $19)
• 1 mile per $1 spent on every eligible purchase‡
• 3 miles per $1 spent on Alaska Airlines tickets, cargo purchases, in-flight purchases and vacation packages‡
Redeem miles for flights to over 700 destinations worldwide
• $75 annual fee; net $15 cost through Great Canadian Rebates

Can be used throughout North America. Great connections out of Vancouver and southern California.

sailingman22 Sep 14, 2013 6:42 pm

Choice Privileges has now lowered the number of points needed for booking a room in many European cities to 8,000 points.

Choice Privileges current promotion is stay 2 separate nights and receive 8,000 points.Check their website for specifics on how the program works and exceptions.

We booked 9 nights next month in Italy and France using points and saved over $1,700. Total points used = 72,000

A husband & wife can order a Choice credit card with no annual fee and receive 32,000 points each. Check out their website for details.

mabramovich Sep 14, 2013 9:30 pm


Originally Posted by jerry305 (Post 21445478)
I don't believe this card has been officially introduced in this thread yet.

MBNA Alaska Airlines MasterCard

• 25,000 Bonus Miles upon approval‡‡
• An annual coach Companion Fare every year from $118 (USD) ($99 base fare, plus taxes and fees from $19)
• 1 mile per $1 spent on every eligible purchase‡
• 3 miles per $1 spent on Alaska Airlines tickets, cargo purchases, in-flight purchases and vacation packages‡
Redeem miles for flights to over 700 destinations worldwide
• $75 annual fee

A particularly good offer for those in Vancouver or another Alaska Airlines city.

And always check GCR before applying directly. I picked this card up at te end of August with a $75 rebate!

jerry305 Sep 15, 2013 10:13 pm

SPG: up to 9,000 Aeroplan (stackable)
 
Earn up to 9,000 Aeroplan bonus miles with SPG properties, through December 15, 2013.
Stackable: you're eligible to receive SPG and Aeroplan points.

Stay five qualifying nights at Starwood hotels and resorts around the world from September 1 – December 15, 2013 and earn 5,000 Bonus Aeroplan Miles. Stay a seventh night and enjoy 2,000 more Bonus Aeroplan Miles. Stay a ninth night and earn 2,000 more, up to a maximum of 9,000 Bonus Aeroplan Miles during the promotion. Nights can accrue across multiple stays.

Register for the promotion here.

pokee Sep 16, 2013 12:08 am


Originally Posted by erik19283 (Post 21443334)
What's the paypal thing? You sell something to yourself?

Two paypal accounts and use account 1 to send money to account 2. Appears as a purchase. You have go pay fees, though.


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