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
Dec 7, 2014, 9:48 am
#1261
Join Date: Dec 2008
Posts: 4,519
Preacher7, here are my suggestions:
VISA - open a "TD All-Inclusive Banking" account and put $5000 in it. Then you can get a TD First Class Travel Visa Infinite Card with no annual fee forever (or until TD cancel this feature). There are a number of other benefits too (TD USD VISA, TD USD Account, $60 off toward a Safety Deposit Box, etc...)
MC - Target / PC Financial World. Depending where you shop your stuff the most, or just get them all. I do price match at Target and get 5% off, and the rest price match at other Loblaws family of store to get 2% rebate in PC Points.
AMEX - SimplyCash (not the Preferred one) and get 5% for 1st 6 months and 1.25% afterward.
Goodluck
Dec 7, 2014, 9:53 am
#1262
Join Date: Sep 2013
Programs: AC SE100K, AA EXP, SPG Plt, HH Dmnd
Posts: 1,507
Amex seems to be tightening up their offerings quite a bit. Going on 8 months without a SPG offer, recent cancellation of the Holt Renfrew card, losing Costco, and not much in the way of above-average bonuses on the other cards.
Dec 7, 2014, 9:54 am
#1263
Join Date: Jan 2011
Location: YVR to SEA
Posts: 2,535
If it's a long term hold, the signup bonus shouldn't matter.
The Amazon.ca Visa is the best no annual fee Visa card, because of the no forex fees. People who have annual fee cards still end up using this card while traveling instead of putting it away in a sock drawer, so there's value in it.
The Amex Blue Sky gives 10k points upon 500 in spending (worth $100 travel credit, referral available if you have friends/family with it), or the Simply Cash regular gives 6 months 5% cashback on gas/groceries/restaurants which may beat the Blue Sky at higher spending levels.
The Amazon.ca Visa is the best no annual fee Visa card, because of the no forex fees. People who have annual fee cards still end up using this card while traveling instead of putting it away in a sock drawer, so there's value in it.
The Amex Blue Sky gives 10k points upon 500 in spending (worth $100 travel credit, referral available if you have friends/family with it), or the Simply Cash regular gives 6 months 5% cashback on gas/groceries/restaurants which may beat the Blue Sky at higher spending levels.
Dec 7, 2014, 11:00 am
#1264
Join Date: Nov 2010
Programs: Enough
Posts: 961
The Amazon.ca VISA is the one card I'd recommend everyone just holds onto. If someone just turned 18, and they're searching for their first credit card (which they should always keep), I'd recommend the Amazon.ca VISA.
Dec 7, 2014, 4:11 pm
#1266
Join Date: Dec 2011
Location: Canada
Programs: *void
Posts: 2,408
Preacher, I know you're also an Airmiles casual collector, so in addition to the Amex Airmiles no fee regular card, there's also the BMO Airmiles MC with 400 welcome points.
I know you want those as keeper cards to build up credit history, and you probably don't want to spend much with them, but I would make sure you also spend time to keep those accounts active with the odd purchase every month or two...For eg., in the case of BMO, they monitored my lack of usage and lowered the limit without any warning. With MBNA, they closed up one of my wife's accounts when she had no activity for 12 months, never got any notification that it was going to be canceled.
I know you want those as keeper cards to build up credit history, and you probably don't want to spend much with them, but I would make sure you also spend time to keep those accounts active with the odd purchase every month or two...For eg., in the case of BMO, they monitored my lack of usage and lowered the limit without any warning. With MBNA, they closed up one of my wife's accounts when she had no activity for 12 months, never got any notification that it was going to be canceled.
Dec 8, 2014, 6:19 am
#1268
Join Date: Aug 2014
Posts: 120
I don't know if this was already discussed in here, but apparently RFD is offering $85 cashback with the TD Aeroplan card.
Info here:
http://www.redflagdeals.com/deal/cre...an-miles-more/
Info here:
http://www.redflagdeals.com/deal/cre...an-miles-more/
Dec 8, 2014, 10:40 am
#1269
Join Date: Aug 2010
Location: YWG
Programs: Aeroplan, MileagePlus, Marriott Rewards
Posts: 2,159
This was a pretty awesome deal... usually I avoid the proprietary Aventura/Avion type arrangements because even if FYF, it takes me longer than just one year to get enough points to make a redemption worthwhile. But at 3 years free, well, now we're talking.
Dec 8, 2014, 12:52 pm
#1270
Join Date: Mar 2007
Posts: 4,784
I don't know if this was already discussed in here, but apparently RFD is offering $85 cashback with the TD Aeroplan card.
Info here:
http://www.redflagdeals.com/deal/cre...an-miles-more/
Info here:
http://www.redflagdeals.com/deal/cre...an-miles-more/
and the BMO $400 credit offer is DEAD also, now that it has gone "public"
Dec 8, 2014, 5:57 pm
#1271
Join Date: Oct 2014
Location: Canada
Posts: 248
I applied just this afternoon for the RFD deal... I hope I even get any amount of cashback at this point. I applied online only for them to create the application over the phone. I wonder if them just adding the RFD code will link it back to the same tracking id on RFD?
Dec 8, 2014, 8:34 pm
#1272
Join Date: Nov 2010
Programs: Enough
Posts: 961
Re: BMO
There are currently posts on RFD, from senior posters, that say they've spoken with a supervisor at BMO and they will be honouring. Again, just a third-party anecdote, but it looks good, and BMO might be doing a great good by donating a huge amount of $ to the Toronto Hospital system!
There are currently posts on RFD, from senior posters, that say they've spoken with a supervisor at BMO and they will be honouring. Again, just a third-party anecdote, but it looks good, and BMO might be doing a great good by donating a huge amount of $ to the Toronto Hospital system!
Dec 9, 2014, 4:07 pm
#1273
Join Date: Nov 2014
Posts: 4
Re: BMO
There are currently posts on RFD, from senior posters, that say they've spoken with a supervisor at BMO and they will be honouring. Again, just a third-party anecdote, but it looks good, and BMO might be doing a great good by donating a huge amount of $ to the Toronto Hospital system!
There are currently posts on RFD, from senior posters, that say they've spoken with a supervisor at BMO and they will be honouring. Again, just a third-party anecdote, but it looks good, and BMO might be doing a great good by donating a huge amount of $ to the Toronto Hospital system!
Dec 10, 2014, 11:20 am
#1274
Join Date: Nov 2011
Posts: 95
I was referred for my Amex business gold and have just fulfilled the $5000 spending requirement within 3 months. I am quite happy to see 30,000 points bonus posted in my account right after I spent over $5000. Anyone knows when they will post the remaining 10,000 points bonus (30k non referral vs 40k via referral) ? Maybe I am too early to worry about it..
Dec 10, 2014, 11:51 am
#1275
Join Date: Sep 2012
Location: SEA, YVR
Programs: Alaska MVPG, Flying Blue Gold, BA Silver, Hilton Diamond, Hyatt Globalist
Posts: 568
I was referred for my Amex business gold and have just fulfilled the $5000 spending requirement within 3 months. I am quite happy to see 30,000 points bonus posted in my account right after I spent over $5000. Anyone knows when they will post the remaining 10,000 points bonus (30k non referral vs 40k via referral) ? Maybe I am too early to worry about it..