May 13, 2013, 10:15 pm
Last edit by: jerry305
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Oct 13, 2014, 1:14 pm
#1051
Join Date: Nov 2011
Posts: 6,385
i'd definitely be willing to pay $450 for 150k miles. i think it's a decent offer, and it's not going to change in my opinion, so if you do need those alaska miles then get them.
Oct 13, 2014, 1:24 pm
#1052
Join Date: Mar 2011
Programs: aeroplan, delta, aa
Posts: 125
I just got the Chase Marriott Visa (Canadian version.) It really makes no sense to pay 2.5% to Amex or CIBC to get Aeroplan points in foreign countries. I looked at various options and settled on the Marriott-branded card because it works in all countries, not just the US. Although the Marriott points aren't as valuable as Amex or Aeroplan points to me, I figure the 2.5% savings covers off those points I'm not getting and the Marriott ones are just a bonus. It does earn 2 points per $1 on car rental and restaurants, and 5 points at Marriotts, but only 1 point/$ at other hotels - I suppose that makes sense given it's a Marriott-branded card. It also gives Silver status by crediting you with 15 nights so you need _only_ 35 more nights to get Gold status.
They have a tiered system, so low numbers of points transfer at a lower ratios than higher. 10k Marriott points transfer to Aeroplan or Avios at a 5:1 ratio (yuck.) Once you have 70k it's 2.8:1. And, you can always use them for hotel stays.
They have a tiered system, so low numbers of points transfer at a lower ratios than higher. 10k Marriott points transfer to Aeroplan or Avios at a 5:1 ratio (yuck.) Once you have 70k it's 2.8:1. And, you can always use them for hotel stays.
Oct 13, 2014, 1:41 pm
#1053
Join Date: Nov 2001
Location: Ontario, Canada
Programs: AC*SE MM, Hilton Gold, Marriott Gold, IHG Plat Amb
Posts: 3,440
For TD Canada Trust Credit Cards except TD U.S. Dollar Credit Cards
We will bill you in Canadian dollars for any transaction made on your Account in a foreign currency. We will convert that transaction by applying our foreign currency conversion rate in effect on the date that the transaction is posted to your Account, which is the rate established by VISA applicable on the date that the transaction is posted to your Account, plus a foreign currency conversion fee of 2.5%. For complete details, see your TD Canada Trust Credit Cardholder Agreement.
For TD U.S. Dollar Credit Cards
We will bill you in U.S. Dollars for any transaction made on your Account in a foreign currency (including Canadian Dollars). We will convert that transaction by applying our foreign currency conversion rate in effect on the date that the transaction is posted to your Account, which is the rate established by VISA applicable on the date that the transaction is posted to your Account, plus a foreign currency conversion fee of 2.5%. For complete details, see your TD Canada Trust U.S. Dollar Credit Cardholder Agreement.
Oct 13, 2014, 2:19 pm
#1054
Join Date: Apr 2012
Programs: 25 million points to burn!
Posts: 1,522
Are you thinking Emirates?
Oct 13, 2014, 4:05 pm
#1056
Join Date: Sep 2012
Posts: 1,098
Oct 13, 2014, 4:26 pm
#1057
Join Date: Jan 2006
Location: In the air
Programs: Occasional RTW club
Posts: 6,924
Oct 13, 2014, 4:36 pm
#1058
Join Date: Oct 2014
Location: Canada
Posts: 248
alexisonsmith and pseudo - thanks for your feedback! Not to derail this thread into a different discussion, but I am not terribly picky at this point. I booked my first business class trip to SE asia next year (through AP) and I am flying a combination of Air Canada, Thai Airways, and Singapore Airlines.
I am sure I will have more discerning tastes after that trip :-)
I still have much to learn from you fine folks here (Just found out I could have avoided YQ on the thai airways segment of my trip...)
I am sure I will have more discerning tastes after that trip :-)
I still have much to learn from you fine folks here (Just found out I could have avoided YQ on the thai airways segment of my trip...)
Oct 13, 2014, 6:18 pm
#1059
Join Date: Jul 2007
Location: Vancouver, BC
Programs: AE, SPG, HH
Posts: 340
Not sure what the the TD IP card is, but unless there's a legacy card I don't know about, the only time TD doesn't add the 2.5% fx fee is if you use their no-reward US $ card in the US. Here's the verbage from their T&Cs:
For TD Canada Trust Credit Cards except TD U.S. Dollar Credit Cards
We will bill you in Canadian dollars for any transaction made on your Account in a foreign currency. We will convert that transaction by applying our foreign currency conversion rate in effect on the date that the transaction is posted to your Account, which is the rate established by VISA applicable on the date that the transaction is posted to your Account, plus a foreign currency conversion fee of 2.5%. For complete details, see your TD Canada Trust Credit Cardholder Agreement.
For TD U.S. Dollar Credit Cards
We will bill you in U.S. Dollars for any transaction made on your Account in a foreign currency (including Canadian Dollars). We will convert that transaction by applying our foreign currency conversion rate in effect on the date that the transaction is posted to your Account, which is the rate established by VISA applicable on the date that the transaction is posted to your Account, plus a foreign currency conversion fee of 2.5%. For complete details, see your TD Canada Trust U.S. Dollar Credit Cardholder Agreement.
For TD Canada Trust Credit Cards except TD U.S. Dollar Credit Cards
We will bill you in Canadian dollars for any transaction made on your Account in a foreign currency. We will convert that transaction by applying our foreign currency conversion rate in effect on the date that the transaction is posted to your Account, which is the rate established by VISA applicable on the date that the transaction is posted to your Account, plus a foreign currency conversion fee of 2.5%. For complete details, see your TD Canada Trust Credit Cardholder Agreement.
For TD U.S. Dollar Credit Cards
We will bill you in U.S. Dollars for any transaction made on your Account in a foreign currency (including Canadian Dollars). We will convert that transaction by applying our foreign currency conversion rate in effect on the date that the transaction is posted to your Account, which is the rate established by VISA applicable on the date that the transaction is posted to your Account, plus a foreign currency conversion fee of 2.5%. For complete details, see your TD Canada Trust U.S. Dollar Credit Cardholder Agreement.
Oct 13, 2014, 6:42 pm
#1060
Join Date: Aug 2006
Location: Canada
Posts: 347
Credit card companies don't usually charge it as a separate fee. The 2.5% would be included in the Canadian dollar amount that shows for the transaction on your statement.
Oct 13, 2014, 6:49 pm
#1061
Join Date: Apr 2012
Programs: 25 million points to burn!
Posts: 1,522
An all-world Biz experience is also one of AP's best redemption options: TK Biz, with no YQ! So I'd try to use your AP points for that, and your AS points for the former. My 2 cents. Plus, you can also get AS points from an SPG transfer. That's one thing that the Canadian CC world has better than the US: Amex MR transfers are better in Canada...2:1 v 3:1.
Oct 13, 2014, 7:09 pm
#1062
Join Date: Apr 2014
Programs: Avios, AMEX, AeroPlan, BMO, AS, WestJet
Posts: 104
Secondly they never ask to see scan the card or anything? I still have the card but its cancelled so a flash would be okay, but a scan... erm would show them its cancelled
Oct 13, 2014, 7:11 pm
#1063
Join Date: Nov 2011
Posts: 6,385
The Emirates first class experience (including the DXB F Loinge) is unbeatable, IMO. It's my favorite F redemption, edging out Etihad and Singapore, which are also great. Unless you're flying those airlines, and I've been told CX, the points premium for F over Biz is usually not worth it. Having said that, if you were planning on earning 150K AS miles, why not make one more churn and get the 180 K needed for a rt F flight on Emirates? OTOH, you could consider this: Use 90K for a one way DXB to somewhere in NA on the Shower plane. Fly biz on something else for the outbound and then you decide if the extra ponts are worth it. Last time I did this in April, it was me, George Clooney and his fiancée as the only 3 people in F for 16 hours!
An all-world Biz experience is also one of AP's best redemption options: TK Biz, with no YQ! So I'd try to use your AP points for that, and your AS points for the former. My 2 cents. Plus, you can also get AS points from an SPG transfer. That's one thing that the Canadian CC world has better than the US: Amex MR transfers are better in Canada...2:1 v 3:1.
An all-world Biz experience is also one of AP's best redemption options: TK Biz, with no YQ! So I'd try to use your AP points for that, and your AS points for the former. My 2 cents. Plus, you can also get AS points from an SPG transfer. That's one thing that the Canadian CC world has better than the US: Amex MR transfers are better in Canada...2:1 v 3:1.
Oct 13, 2014, 7:23 pm
#1064
Join Date: Apr 2012
Programs: 25 million points to burn!
Posts: 1,522
What makes an SPG transfer tempting, though, is to hedge against an AP deval, which is always a possibility without warning. You know your SPG points will always be worth a lot.
Oct 14, 2014, 1:04 am
#1065
Join Date: Jan 2011
Location: YVR to SEA
Posts: 2,536
Blended into the exchange rate
