Not sure what you're looking for here, or rather, what's in the best interest for your +1. There's so many cards to choose from, hard to say what's best for your situation.

Are you looking for no-fee cards? To hold onto without churning, for the purpose of building up credit history? Numerous cards in this category.

Or rewards/points cards, which may or may not have $0 FYF? And your +1 is looking to hold onto, agreeing to pay an AF? Churning without established credit is probably/obviously not what you're looking to do, right?
Three examples that come to mind are:
BMO World Elite MC - household income $120K
CIBC Aerogold Infinite Visa - household income $100K
TD Aeroplan Visa Infinite - $100,000 Annual gross household income
Only the TD card currently has a $0 FYF offering, plus $50 cash rebate if applied through GCR.

Again, getting back to building credit strength, if you/+1 bank with any of the above and have any establish history with them, I'd first contact the FI and ask if there is a pre-approved credit limit offer on the +1's file first, so that you can apply with no credit pulls.

And FWIW, I believe household income is defined as being the amount combined between spousal units (not parents/children).

Let's not forget one of the favourites in Canada....the Amex Gold is household income.

It's the only Amex that I care about that is based on household income. Otherwise, the Amex personal income requirements are ridiculously low. $40k for Plat, for example.

Ideally, minimal or no annual fee and some benefit. As long as she could include my income, we should have no problem. I just got the Amex Simply Cash card to replace the Amex Gold I'm about to cancel, and I also have the amazon.ca and President's Choice cards. I just transferred all my Membership Rewards points out from my Gold Amex, so I'm ready to cancel that card.

We each got one of those, based on our U.S. cards and credit histories (a nice Amex feature). But the $150 annual fee just isn't worth it., so we'll cancel that once the annual fee comes due. And once we cancel that, all she'll have in Canada is a secured RBC Master Card (the only card we could get when we first moved here other than the Gold Amex).

It's really not critical, as we also both have several U.S. cards to fall back on (high credit limits, no forex fees), but it's nice to have chip&PIN cards.

Sorry for the confusion. I'm talking about online bill payments from within your banking profile. I thought that's what you were asking about. You know, where you select your Visa or whatever card as the account from which to pay the bill.

edit: delete

maybe they did add this requirement recently, I don't know, as this is the Marriott VISA in the United States. :)

RBC Avion targeted offer: 5k points to add a user to account
 

So I got a nice letter in the mail from RBC. if I add an authorized user (e.g. spouse) I get 5k Avion points. It doesn't say anything about an extra fee, which is nice.

For background, I called RBC earlier in the year and got FYF over the phone.

fee is not waived for the supp card. So, you are paying $50 for 5000 Avion points. But I do think 1st year fee will be prorated, so you do end up getting 5000 points for less than $50.

That's still not bad for a little top-up. Especially if it's pro-rated for less than $50.

Amex churn
 

Hi
I cancelled my SPG Amex about 3 weeks ago.
I'm eyeing up the Amex gold with FYF and bonus.

Anyone see any problems with this churn?

No issue, go ahead and apply via GCR for $50 cashback + 25K welcome points after $500 spending; unless you know someone family/friend to refer you instead

shop.ca has a $500 in Esso Gift Cards for $450 ending today. Plus they have a 5X the Aeroplan miles for a first order, plus extra miles for distinction members. 450 x 5 + 450= 2700 miles and save $50 on gas. Not bad.

Good deal. However the 5x bonus doesn't apply to gift cards. So only max 900 miles.

Wirelessly posted (Mozilla/5.0 (Linux; Android 5.0; Nexus 5 Build/LRX21O) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/39.0.2171.59 Mobile Safari/537.36)

Don't forget $20 from Paypal's cash back promo, also starting today.

Why am I not surprised.... :rolleyes:

Got the paypal one too but I couldn't find the signup link anywhere or do you have to spend first?