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DariusLikewise posted:Anyone get the letter that they are ending the Amazon.ca card as of March 15 and shutting down all accounts? Any other good cards out there re:US exchange? What the gently caress, I thought it would continue but they just won't renew any cards... Amazon.ca Visa Risky Bisquick posted:Fido MC Fido MC looks interesting, 4% cash back when you spend foreign currency, and 1.5% for Canadian purchases. No Annual fees I think I'll be signing up for a new card soon. Chillyrabbit fucked around with this message at 07:03 on Jan 17, 2018 |
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Jan 17, 2018 06:59
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Kal Torak posted:I don't use Questrade but be careful with this promotion. To qualify, you have to make 1 commissionable trade. Since ETF purchases are free, buying ETFs doesn't qualify. Ah good catch. Didn't realize the ETF purchases won't qualify. I'm not planning on buying any NVIDIA or weed stocks so I guess the promotion isn't useful. Risky Bisquick posted:email me for the referral thing <-- not the referral email Sorry I guess it wasn't what I thought! Shofixti fucked around with this message at 14:33 on Jan 17, 2018 |
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Jan 17, 2018 14:27
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DariusLikewise posted:Anyone get the letter that they are ending the Amazon.ca card as of March 15 and shutting down all accounts? Any other good cards out there re:US exchange? I've been looking at the Home Trust Visa. I really don't know why they offer it because Home Trust is part of HCG, which is a sub-prime mortgage lender, but it looks like the Amazon card + roadside assist. 
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Jan 17, 2018 17:08
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Not sure why no one ever mentions labor sponsored funds in any canadian investment threads and blogs anywhere. The extra 30-35% tax credit makes it a no brainer imo.
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Jan 19, 2018 01:02
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rouliroul posted:Not sure why no one ever mentions labor sponsored funds in any canadian investment threads and blogs anywhere. The extra 30-35% tax credit makes it a no brainer imo. I really don't have enough faith in small-to-mid-size Canadian companies to consider the tax credit worth the increased risk. Not to mention the management fees are usually high, even for Canadian standards.
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Jan 19, 2018 01:14
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rouliroul posted:Not sure why no one ever mentions labor sponsored funds in any canadian investment threads and blogs anywhere. The extra 30-35% tax credit makes it a no brainer imo. Why am I just hearing about this!?!? Shofixti posted:Ah good catch. Didn't realize the ETF purchases won't qualify. I'm not planning on buying any NVIDIA or weed stocks so I guess the promotion isn't useful. I emailed Questrade asking them about this specifically when I opened my account in the last year, and they told me free ETF purchases qualify as a commissionable trade.
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Jan 19, 2018 01:18
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Jenkl posted:I emailed Questrade asking them about this specifically when I opened my account in the last year, and they told me free ETF purchases qualify as a commissionable trade. Reddit is full of people who have found out the hard way that this is not the case.
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Jan 19, 2018 01:25
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Yeah just got a letter in the mail about my amazon.ca card, it was pretty good for travel and had decent rewards. Guess I need to find a new one.
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Jan 19, 2018 01:27
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God drat it, I did all my USD purchasing and travelling with that card. 
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Jan 19, 2018 03:35
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I just applied for a Home Trust Visa. gently caress you amazon
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Jan 19, 2018 03:37
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They approved my Fido MC application in like 12 hours, pretty pumped.
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Jan 19, 2018 03:43
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https://twitter.com/jeannielee88/status/954100504128241664 lmao 🔥🔥🔥🔥🔥🔥
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Jan 19, 2018 04:26
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Risky Bisquick posted:Fido MC Fido card looks interesting, they still charge 2.5% exchange but the 4% cashback puts you ahead spoof posted:I've been looking at the Home Trust Visa. I really don't know why they offer it because Home Trust is part of HCG, which is a sub-prime mortgage lender, but it looks like the Amazon card + roadside assist. This is nice for all the highway driving I do I guess? I really just want a good USD card
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Jan 19, 2018 16:46
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spoof posted:I've been looking at the Home Trust Visa. I really don't know why they offer it because Home Trust is part of HCG, which is a sub-prime mortgage lender, but it looks like the Amazon card + roadside assist. Did you get this yet? I can't find the terms of cash back redemption. Is it on demand? Or once per year? Or triggered by threshold?
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Jan 19, 2018 17:36
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Which e-brokerages do you guys like/use? I've got some extra income and I'd like to
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Jan 19, 2018 18:15
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I think Questrade is still the cheapest
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Jan 19, 2018 18:24
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DariusLikewise posted:Fido card looks interesting, they still charge 2.5% exchange but the 4% cashback puts you ahead There’s also the Rogers card which charges 1.5% on exchange but still has 4% back. That one has an annual fee after the first year though unless you pay your Rogers bill with it.
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Jan 19, 2018 19:09
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Mantle posted:Did you get this yet? I can't find the terms of cash back redemption. Is it on demand? Or once per year? Or triggered by threshold? quote:6. Accumulating, redeeming and crediting my Account with CashBack Rewards: I will accumulate CashBack Rewards over the course of a calendar year beginning with the Purchases shown on my January Account Statement. You will redeem the CashBack Rewards in December each year and credit my Account in January of the following year.
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Jan 19, 2018 20:00
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Fido MC posted:Choose when and how often you wish to redeem using the Pay with Rewards app or online — as long as you have a minimum of $20 in cash back rewards.3 That auto club is a pretty good benefit though on hometrust
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Jan 19, 2018 20:13
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does anyone here use BMO's world elite MC? thinking about signing up for 1. the travel bonuses are pretty attractive. just looking for a replacement for my tangerine card. spend on average ~2k/month.
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Jan 19, 2018 22:52
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Skizzzer posted:does anyone here use BMO's world elite MC? thinking about signing up for 1. the travel bonuses are pretty attractive. If you have a BMO chequing account with 6k minimum balance the Premium Plan they waive the card fee. I use one but I've never used the travel benefits so can't say much about that.
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Jan 19, 2018 23:01
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i don't bank with BMO, so that wouldn't apply to me. i guess the first year fee is waived and according to their calculator i would be getting ~$800 in rewards a year. I could just cancel the card after the first year if I'm not feeling it. what do you use your rewards for? do you like it/what don't you like and would you recommend it?
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Jan 19, 2018 23:37
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Skizzzer posted:i don't bank with BMO, so that wouldn't apply to me. i guess the first year fee is waived and according to their calculator i would be getting ~$800 in rewards a year. I could just cancel the card after the first year if I'm not feeling it. I have it as a family card that I share with my parents and brothers. I unfortunately don't get to reap the benefits since its my dad's. It's the cash back 1.5% version not the reward points. My main CC use is Tangerine for groceries, gas, and restaurants at 2% cashback. BMO 1% cashback for anything personal that is not in a tangerine category, Amazon Visa for anything in USD (probably going to go Fido MC when it shuts down) and the BMO world elite that is shared which I can only use because it has a 15k credit limit that I use for large item purchases, which I pay back to my dad.
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Jan 19, 2018 23:57
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I have the BMO world elite and I use it entirely for the free extra coverage on rental cars. The rewards on it suck dick, the rates they'll give you are going to be the regular room rate on every flight/hotel and the taxes and fees magically add up to exactly what you'd pay on Expedia.
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Jan 20, 2018 01:48
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I like the World Elite, though they did recently devalue the points redemption. I've not paid for a hotel for occasional weekend trips in years thanks to it... and the lounge passes are a nice fringe benefit. I keep $6k in a BMO Chequing account to make it free... the opportunity cost of the interest is worth it IMO.
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Jan 20, 2018 03:40
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Hmm, that Home Trust Visa looks like the perfect replacement for the Amazon Visa. Having said that, was there ever a consensus for a good travel rewards card? I was looking at signing up for Aeroplan because I travel about once a year, but if I could supplement those points with a credit card, I'd love to know.
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Jan 20, 2018 18:29
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I signed up for the home trust card to replace my Amazon card. I slightly preferred Amazon because rewards were paid out when they reached $20 rather than once per year. Oh well not a biggie.
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Jan 20, 2018 18:51
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I used all my rewards from the amazon card to do my Christmas shopping, free poo poo owns(don’t carry a balance though)
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Jan 20, 2018 20:27
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It would be nice if we lived in a country with actual competitive offerings in banking, rather than having to resort to some idiot shady mortgage outfit to get a basic forex benefit on a credit card.
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Jan 20, 2018 21:07
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Lexicon posted:It would be nice if we lived in a country with actual competitive offerings in banking, rather than having to resort to some idiot shady mortgage outfit to get a basic forex benefit on a credit card. Fido offers a decent MC. 4% cashback on foreign currency transactions with a 2.5% conversion fee cancels out to 1.5% cashback and a general 1.5% cashback with no fees.
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Jan 20, 2018 21:34
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Just came to ask about the replacement for the Amazon visa as well. I think I'll be checking into that Home Trust visa. I am glad that Chase seems to be closing the account instead of migrating it to some other poo poo card though. Anyone know what happened to bring this on? Is Amazon.ca doing a different CC? E: Also, does anyone know if Equifax is going to be offering that credit lock down option in Canada like they do in the US? These data breaches piss me off and for the rare time I ever need my credit report access for credit, I think I'd rather have it locked down as the norm and just deal with getting it removed when I need to. slidebite fucked around with this message at 00:02 on Jan 21, 2018 |
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Jan 21, 2018 00:00
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I'd love to have a proper virtual credit cards to mitigate compromises like that up here. BMO has some bullshit they call a virtual credit card which is just visa debit and does the opposite of protect you from compromises. 2FA from major banks would also be nice but digital security is generally seen as a ball wash wherever you are so
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Jan 21, 2018 02:33
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Guest2553 posted:2FA from major banks would also be nice but digital security is generally seen as a ball wash wherever you are so Tangerine shows me a picture when I log in so they’ve got it under control.
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Jan 21, 2018 02:37
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who else hates the CRA's sign-in partner login with the fury of a thousand suns
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Jan 21, 2018 03:52
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slidebite posted:Anyone know what happened to bring this on? Is Amazon.ca doing a different CC? It's a Chase thing, not an Amazon thing. They've been pulling out of Canada for a while now. They sold a bunch of their stuff to Scotia a couple years ago so this was expected. Capital One is probably next. I wouldn't be surprised to see an Amazon branded card with someone else at some point. I also wouldn't be surprised if we don't. Kal Torak fucked around with this message at 03:59 on Jan 21, 2018 |
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Jan 21, 2018 03:55
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It works fine why do you hate it. It’s pretty convenient since I don’t need to bother calling the cra ever.
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Jan 21, 2018 03:57
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because i have to 'bank' with td and td still doesn't have 2fa login my loving first tech federal credit union has had 2fa for at least 5 years and my uk hsbc account has had it since like 2011
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Jan 21, 2018 04:00
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Yeah td is behind. But did you see the myspend app??????
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Jan 21, 2018 04:02
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at this loving point it's probably safer for the cra to implement facebook oauth lmao
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Jan 21, 2018 04:02
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*sucks teeth* bitch gently caress myspend i use mint
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Jan 21, 2018 04:02
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