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Best Credit Card Points Program
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| Jayx1 |
This is an offshoot of the other thread. I like the Canadian tire card for the cheap gas (8 cents off) and no annual fee.
Let's hear what you guys use.
BTW for airline points i use Starwood MBNA Mastercard. You get one starwood point for every 2 dollars spent. No annual fee (which is important) but here is the best part.
5000 bonus after first purchase
5000 bonus when you stay at a starwood hotel (Sheraton, westin etc)
5000 bonus everytime you spend 10K in a calendar year (this makes your actual value 1:1)
And the best part of all.
You can transfer your points to most major airlines point programs at 1:1 AND STARWOOD WILL THROW IN A BONUS 5000 POINTS IF YOU TRANSFER 20,000 POINTS AT A SINGLE TIME!!! Of course Aeroplan is the exception to this rule but aeroplan sucks anyways.
So i get all the best features of an aeroplan or american airlines credit card (even more with the bonusses) without the BS annual fees of 120 bucks or more!
It's good mang!! |
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| chico |
| quote: | Originally posted by Jayx1
5000 bonus when you stay at a starwood hotel (Sheraton, westin etc)
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every time? |
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| Jayx1 |
| quote: | Originally posted by chico
every time? |
'
1st time but you also get 1:1 when you charge the hotel to your card as well as the regular 2 for 1 points that they give out when you stay there |
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| bossi |
| I use this as my main credit card and indeed this is the best no annual fee credit on the market : ) click |
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| Jayx1 |
| quote: | Originally posted by bossi
I use this as my main credit card and indeed this is the best no annual fee credit on the market : ) click |
this card has got me to argentina twice on american airlines...
amazing |
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| vendetta999 |
TD travel rewards for me
mind you, theres a 120 dollar fee for it.
but being able to redeem points towards travel is much easier than other cards (apparently).
just book it, then call td and tell them to redeem the points towards whatever purchase you wanted. no blackouts, restricted times, etc etc.... |
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| Jayx1 |
At $120 per year youve probably paid for the flight and then some by the time you cash in your points.
I cant for the life of me understand why anyone would pay an annual fee for a credit card. |
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| vendetta999 |
| i agree....but i work for td. annual fee waived. lol |
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| patpicos |
i use my Canadian Tire Options MasterCard for all my purchases
1% of all purchases == CT Money
then I get 17% off all my purchases at CT stores (perks for working for CT Financial!)
Mb i should look into that Points card you mentioned....i use CC's for everything i buy...then I of course pay it off at the end of the month... I plan on traveling the coming yrs... |
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| *~LiSa-LoO~* |
I LOVE my TD Gold Elite Visa. I believe the annual fee is something similar to the Travel card that Dave has b/c they keep asking if I want to switch - but I don't travel enough to make it worth my while. I like the 1% back b/c I use my VISA as if it's my debit card (and only spend the money if I have it!) My fee is waived though b/c of the TD Select Service Account I have and the fact that I keep the minimum monthly balance required to get perks.
TD Gold Elite VISA Benefits:
| quote: |
1% Cash Rebate
Every time you use your TD Gold Elite Visa Card, you'll earn a 1% Cash Rebate on the net purchases3 charged to your Card and all Supplementary Cards.
The more you use your TD Gold Elite Visa Card, the more money you get back - there's no limit to how much you can earn. And it's so simple, with no points, miles or redemption levels to worry about. You can build your Cash Rebate virtually any time you use your Card -- when you're shopping, entertaining, travelling or paying your bills.
Exclusive Deluxe TD Auto Club Benefits
* Automatic membership in the Deluxe TD Auto Club to all TD Gold Elite Visa cardholders
* Unlimited Service Calls — 24 Hours a day 7 days a week
* Family Coverage — For you and your spouse and unmarried children in your household up to 22 yrs of age and any car that you or your family members drive - even if they are not cardholders
* This is a retail value of $79.00 or $118 per couple
In the event of a road emergency, or if you're planning a trip anywhere in Canada or the continental U.S. help is just a phone call away - 24 hours a day.
* Auto Rental Collision/Loss Damage Insurance -- save money when you rent a car
* Purchase Security and Extended Warranty Protection -- enjoy worry-free shopping
* Emergency Travel Assistance Services -- help in a personal emergency when you are travelling
* Common Carrier Travel Accident Insurance -- up to $500,000 coverage for you, your spouse and dependent children
* No-Fee Travellers Cheques -- at TD Canada Trust branches
* Budget Rent A Car Preferred Rates -- in Canada, the U.S. and other international locations
Other Valuable Features & Benefits
* Optional Services
o Travel Medical Insurance
o Balance Protection Insurance
o Standard or Deluxe TD Auto Club
* Free Authorized User Cards
* The Power of Visa
* Personal Banking Services
* Verified by Visa
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Oooh, and when I buy gas at Shell, I use my Mosiak Mastercard b/c I get double the airmiles points or something like that. Generally, my Mastercard is only for emergency purposes b/c it only gives me .5% back on every dollar I spend. |
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| Jayx1 |
| quote: | Originally posted by vendetta999
i agree....but i work for td. annual fee waived. lol |
Well in that case! Sign me up too!! :) |
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| bossi |
| Yes the select service account lets you do all of that for free... gee sounds like a great deal but only if you keep a minimum balance of $5000. Haha. Ofcourse they would offer you all those perks, they have 5000 of your money making money for them. The minute your account dips below 5000 they slap you with a 24.95 monthly service charge. As for the 1% cash back its really nothing to write home about especially when American Express Gold is offering 2% (with no annual fee). |
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