Posted: 09 Jul 2007 19:13
maybe they decided to 'enrich' you with Petro points
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https://www.financialwisdomforum.org/forum/viewtopic.php?t=105099
Hehe all I know is I ain't activating any card until I have the correct one in my hands.twa2w wrote:maybe they decided to 'enrich' you with Petro points
Nope. I looked at it butAnyone take advantage of CIBC's 15,000 free Aeroplan Miles promo
was too steep.the $120/yr fee ?
There are actually two promo's now. One offers 15000 AP miles to move your account to CIBC , along with a pre-authorized payment. The other is the CC offer you mentioned.Shakespeare wrote:Nope. I looked at it butAnyone take advantage of CIBC's 15,000 free Aeroplan Miles promowas too steep.the $120/yr fee ?
Jo Anne wrote:President's Choice Master Card. For every $100 charged I get $1 of free groceries. No annual fee. Interest rate (for me, anyway) is 5.97%. But I've never paid interest so that's irrelevant.
With 15,000 points, you can immediately buy a $100 Sommelier Card and go buy a case of Fuzion for your summer BBQs. 13,500 points.fundamental wrote:Anyone take advantage of CIBC's 15,000 free Aeroplan Miles promo
http://www.cibccards.com/aerogoldap2003907/
The Infinite Avion has no blackout period on redeemed flights, and a lot of people that fly oversees like that the rewards points can be converted to BA Executive points. They convert at 1.5x once or twice per year. Both are expensive cards and the rewards program (unless you use for BA) is crappy. There may be better alternative from other banks for the same fee, approximately same coverage and better rewards. My RBC account manager offered it to me with a waived fee (1 year only) when it came out, but I couldn't justify making it my main card.Peculiar_Investor wrote:Any viewpoints out there on RBC's VISA Infinite Avion as an upgrade on the VISA Gold Preferred?
You've mentioned a good card there. Counterpoint: IMO price protection is a near worthless benefit, just to easy to do yourself. No decent retailer will not give you the last sale price and if you can get the last sale price that means you can get the future sale price too.hotgo wrote:I've been happily using a Citibank Platinum Driver's Edge Mastercard for the past few years. The 2% on all purchases adds up quickly and is very easy to redeem.
It's a no-fee card with a bunch of nice bonus features like Price Protection (up to $500/year) which I've been taking advantage of regularly, Purchase Protection which I used successfully once for a $100+ item.
I can't justify paying a fee for a credit card when there are so many free choices out there.
You're right, I didn't use this feature much, but I did max out my $500 rebate for 2008. I redid my living room and incorporated a new entertainment system. And even though I went out of my way to get the best deals I could at the time of purchase, within 60 days (especially considering the pre-Christmas sales) there was plenty of money to save. Since it was past 30 days since purchase, no retailer would match those sale prices on purchases over a month ago. So in my case, this was worth $500 for that year. But in a previous year I didn't use it at all.FinEcon wrote:Counterpoint: IMO price protection is a near worthless benefit, just to easy to do yourself. No decent retailer will not give you the last sale price and if you can get the last sale price that means you can get the future sale price too.
I've just used its price protection feature for an HDTV from Canadian Tire: I've bought it on sale, a couple of weeks later the same store had it for a liquidation price of $50 less. I've tried to get the lower price from the store's customer service, but they've declined as their policy is to refund the difference for 7 days only after the sale. I could have gone through the hassle of returning it for the original price and get a new one for the sale price, but I've decided to try out price protection: it worked out with no problems.FinEcon wrote:Counterpoint: IMO price protection is a near worthless benefit, just to easy to do yourself. No decent retailer will not give you the last sale price and if you can get the last sale price that means you can get the future sale price too.
Dunno what you missed but when I retired 8 years ago I had hundreds of thousands of Aeroplan points from years of international business travel( I joined Aeroplan in 1982). We still travel free any time we fly and have lots left for other family members. The reason I got a Gold Aeroplan card in the beginning was to have access the first class lounges and other perks to reduce the strain of too much travel.Jo Anne wrote:I've never understood why people are so gung-ho on cards with travel rewards. It seems to me that Aeroplan points can be a bitch to collect.
Why not just use a card that gives some kind of useful reward (like some cash reward card), combined with an AirMiles card (AirMiles can be redeemed for free groceries), and then bank the cash you saved so you can use it for whatever travel you want.
Or am I missing something?
No need to leave FWF for an analysis of TD's Select Service account. Note that when I did that analysis deposit rates were much higher so the "cost" of the account is now even lower and I forgot to mention that TD's Auto Club membership is also included which saves on the cost of CAA. Alas TD no longer offers free iPods.FinEcon wrote:People on FWF who haven`t really dug on CC`s ought to spend the time and check out RedFlagDeals personal finance forum for threads which explain which CC's are best given your circumstances. HINT: unless you have TD's Select Service account and you are at a Canadian big 5 you are getting nowhere near the best deal you can get from your CC's.
No you don't. You still have to pay departure taxes, fuel surcharges and whatever other nickels and dimes that Rupert can come up with. Yes, they've lowered the fuel surcharges substantially on NA flights now that oil prices are down to ~$60. But if you want to fly overseas, especially if you want to do more than one segment each way, bend over and lube upprepare yourself to pay $100s extra.biker wrote:We still travel free any time we fly
zinfit wrote:I have a Citi Bank Drivers Edge. We have used it for close to 8 years. In 2004 I bought a Pontiac Vibe and received a $2000 cheque from Citi. In 2006 I bought a Honda Ridgeline and received another $2000 . I have accumulated something like $2800 since 2006. Will likely build it up to the max of $5000 and replace the Vibe at that time. I use our card on everything and pay it off every month. The card provides for double warranty protection and car rental insurance. There is no fee to obtain this card. If there is a better card program I haven't seen it.By the way both vehicles have been excellent machines.
at least every 5 years and you trust Citi not to axe their program. (From Citi's website, "Driver’s Edge cash rebates expire five years from the end of the calendar year in which they are earned unless Citibank terminates the Program, in which case your redemption rights may be limited.")iluvnascar wrote:You can't beat it (unless you don't buy cars).
It's pretty generous though. You can buy recreational vehicles with it as well (snowmobiles, ATVs, etc.) and as long as there is a card issued in the purchaser's name they will pay out. In other words if you're not in the market for a vehicle, maybe a close family member is that can help you cash out.Bylo Selhi wrote:at least every 5 years and you trust Citi not to axe their program. (From Citi's website, "Driver’s Edge cash rebates expire five years from the end of the calendar year in which they are earned unless Citibank terminates the Program, in which case your redemption rights may be limited.")iluvnascar wrote:You can't beat it (unless you don't buy cars).
I'd rather have 1% cash in hand to do with whatever I want than 2% that may expire before my next car purchase. YMMV.