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
Nov 17, 2014, 11:12 pm
#1186
Join Date: Dec 2011
Location: Canada
Programs: *void
Posts: 2,408
We're looking for a card for + 1. Between being recent immigrants (short credit history) and disparate income, it hasn't been easy. Which banks allow you to apply using household income? So far, Capital One, Amex, and Scotiabank all appear to require personal income on their applications.
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).
Nov 18, 2014, 6:13 am
#1187
Join Date: Jan 2014
Location: yyz
Posts: 1,611
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.
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.
Nov 18, 2014, 7:39 pm
#1188
A FlyerTalk Posting Legend
Join Date: Apr 2004
Location: GVA (Greater Vancouver Area)
Programs: DREAD Gold; UA 1.035MM; Bonvoy Au-197; PCC Elite+; CCC Elite+; MSC C-12; CWC Au-197; WoH Dis
Posts: 52,140
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.
Nov 19, 2014, 3:58 am
#1189
Join Date: Aug 2013
Location: YYZish
Posts: 300
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.
Nov 19, 2014, 10:14 pm
#1191
Join Date: Dec 2008
Posts: 4,519
looks like chase added a $1k spend requirement to the 50k offer??
https://creditcards.chase.com/a1/mar...6SR4&SPID=F8PC
https://creditcards.chase.com/a1/mar...6SR4&SPID=F8PC
Nov 20, 2014, 6:42 am
#1192
Join Date: Jan 2014
Location: yyz
Posts: 1,611
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.
For background, I called RBC earlier in the year and got FYF over the phone.
Nov 20, 2014, 6:44 am
#1193
Join Date: Dec 2008
Posts: 4,519
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.
Nov 20, 2014, 7:13 am
#1194
Join Date: Jan 2014
Location: yyz
Posts: 1,611
Nov 20, 2014, 8:28 am
#1196
Join Date: Mar 2007
Posts: 4,784
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
Nov 24, 2014, 11:56 am
#1197
Join Date: Mar 2008
Location: Toronto, Canada
Programs: Aeroplan, Bonvoy, Alaska, Avios
Posts: 1,290
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.
Nov 24, 2014, 1:09 pm
#1198
Join Date: Sep 2014
Posts: 4
Good deal. However the 5x bonus doesn't apply to gift cards. So only max 900 miles.
Nov 24, 2014, 1:17 pm
#1199
Join Date: Aug 2004
Location: YYZ
Programs: AA LT Plat, AC 25K, Marriott Plat, Hilton Diamond
Posts: 1,137
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.
Originally Posted by mikeycanuk
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.
Nov 24, 2014, 1:51 pm
#1200
Join Date: Mar 2008
Location: Toronto, Canada
Programs: Aeroplan, Bonvoy, Alaska, Avios
Posts: 1,290
