JJonahJ

Sorry for the late response. Life keeps one busy, as you know.

Anyway, when I tried to apply for the TD Aeroplan Visa Business card earlier this year, they flat out refused to let me apply as a sole proprietorship, using my first name/last name as my company name (which is acceptable by Amex for their Small Biz Gold Rewards card). Phone reps said I could, but they said I would have to contact a branch to setup a business account first. And I spoke with two different branch managers, and both said I needed to have a legitimate business, and that I would need to open a TD Biz banking account (monthly fees) to be eligible to get this card.

Looking at the main TD page for the Aero Visa:
http://www.tdcanadatrust.com/product...n_business.jsp
So, as a sole proprietorship, what qualifies as a "Master Business License"?

BTW, for the FYF, I would definitely apply via phone or in-branch, and not rely on the online application.

Should this discussion move to the "Master thread TD Aeroplan credit card"?

Hyacinthe

Some details from the Capital One Costco Platinum MasterCard have been published on rewardscanada.ca. Application will be available soon at http://www.capitalone.ca/costco

Hyacinthe

This only applies to Sole Proprietors operating under a trade name. If you operate your business under your own name, you don't need this.
If you check this detailed list, So the agents are right, you need to at least have a business account in your own name somewhere to apply for this business credit card as it will constitute your Business Financial Statements.

heraclitus

OK, so probably not gonna happen for me with TD. I actually do have a business to the extent that rental properties constitute such a thing, but likely not structured so formally as to meet TD's requirements. Thanks for clarifying!

ericosuave

Just returned from shopping at Costco ( Mississauga On. ) Sept 25 2014
For a joke asked if I can pay with mastercard ( World Elite ) they said no problem , and transaction went thru .

So for a time being you can use any Mastercard and Amex to pay at Costco Canada , untill Jan 2015 when Amex will no longer be accepted.

westcoastgal

I have a small business that I incorporated under a business name, a GST number, business account, etc., at RBC. However, it's a new business and I have been using personal credit cards for expenses and keeping track on Quickbooks. If I want to apply for a business card that gives good rewards/benefits and hopefully has the annual fee waived for a year, which would be my best bet? Who gives out their cards the easiest?
I have cards at CIBC, RBC and one Amex card. I don't like Cap 1 and had a MC with them that I asked to close out and then they denied me for another card when I have very good credit and have never had an issue with any other cards. I was shocked to be denied but don't want to deal with them anymore.
I am an Aeroplan collector and obviously, RBC rewards because of my RBC US Visa card.
I just don't have 2 years of business statements to show to get a business credit card so don't know which one to apply for.

By the way, has anyone had experience with the RBC US credit cards?

http://www.rbcbank.com/banking-in-th...rds/index.html

The no fee cards seem to have a lot of benefits, equivalent to my Visa Infinite cards or even better, actually, that I pay $120 for no fee. What's the catch?

jerryhung

Yes, this has been confirmed by many on RedFlagDeals.com
and Costco seems to have applicatoins for the Cap1 MC also

grandgourmand

TD will give you FYF (actually "forever" free) if you open a chequing account (they have a special name for it) and keep $5k in it. I have that setup for my First Class Visa and they'll offer to swap in the Visa Infinite Aeroplan (and still get the 15k points).

alc

But I didn't thought the TD Aeroplan card is one of the VISA they will waive the annual fee forever, i.e. not listed as part of their All-Inclusive benefit.

You might have switch from the First Class VISA to the TD Aeroplan and didn't pay the annual fee on your 1st statement, but I do wonder if you will get that waive next year.

grandgourmand

You may be right. I didn't ask about the 2nd year. However, I'd bet that if you asked to switch back to the First Class Visa before the renewal, they'd waive the fee again.

Anyhow, I might do this, just to get the extra 10k spending bonus.

wpgpoints

I'm not sure if this is a one time glitch I've stumbled upon or if it can be done multiple times without being suspicious. I have several amex cards and sent an online bank payment to the wrong card (airmiles earning) by mistake and called amex to have the charge switched to the card with an outstanding balance (aeroplan earning). I had been using the aeroplan card and there was no activity/purchases on the airmiles card so it could not have generated any airmiles. Amex transferred the payment from the airmiles card to the aeroplan card at no cost and I got the value of the payment in my airmiles account plus the value of the charges in my aeroplan account. Double points! I was only expecting to get the aeroplan points.

grandgourmand

Hey for the Chase (Canada) Marriott card, is that 50k offer really public? I called in and asked about it and simply mentioned "hey, I hear there has been a 50k offer in the past". the CSR confirmed that they are offering it now (i.e the 50k) but only people with elite status at Marriott can get that bonus. Everyone else gets 30k.

Can anyone confirm or refute? I've been waiting for the 50k offer and want a no-FX fee card.

jerryhung

I don't see any Elite requirement in their public offer link, nor have I heard anyone being rejected because of non-Elite

Just apply online, good luck
http://www.marriottrewards.com/cdnelitedm

yerffej201

If you apply through one of the online links, I don't think they can even tell, and your account just gets 50k for the signup and spend.

jhartley15

I applied a few months ago through the link and received the 50k. I have no elite status.