It's the only competitive card that has basically no FX it has fx but points basically remove it. Combined with the safety of not needing to worry about an annual fee. It would even beat the GMC Visa, SPG cards and other niche cards cards that kind of force you to spend at their properties, and are not always easy to use for many people that pay out quite a bit.
Removing Costco though as has fee associated with it. Is it worth it to have 4 cards to get. At 40, that is dollars more Going to go with four though. It's the right amount that I can manage properly. I've been finding. Have reoccurring bill for the other cards to keep active but just use Rogers and forget about complications of having multiple cards with multiple billings I have to keep an eye on? I use the TD cash back visa it is crap, i know.
Years ago, i had the TD GM visa, when they cancelled that program, i switched over to their cash back card. At any time a financial institution can change their rules and TD have, they have made this card less desirable. The percentage back was reduced BUT they now offer some kind of extended warranty. Extended warranties seldom work to the customers advantage, or to how the customer thought it would work out. There is the depreciated value to be considered.
Did you send it the registration card? Did you buy the item on sale? Blah, blah, blah.
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The higher percentage back was more of a benefit to me. Once a year, your cash back "was" automatically applied against your balance. NEW rule If you die or cancel the card, cash back credit rewards earned will be kept by TD. I think that if you are prepared to do all this calculating, then you are entitled to however many extra pennies you can squeeze out of it. Personally, I feel I have enough challenges in life already, and wouldn't want the stress of either figuring it all out or making sure to implement it correctly.
For me, the net difference is not sufficient to warrant all the effort. This depends on the individual. I try to keep the number of cards to a minimum. However, I think it's necessary to have at least one each of Visa and MC. If one system goes down or you have a problem with them, there's always the other one, so you're not stuck. And Amex doesn't really fill this need as it's not accepted everywhere. It's difficult, however, to get a good Visa card. I have an old plain jane one from BigBank which suffices, but gives a poor return. You could also look at the Scotia momentum series or Meridian for that purpose.
Make sure you use them all once in a while so that they don't cancel them on you - this happened to me once with a USD card from TD-CT.
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Although I don't use it, Tangerine is better than most because it gives the cash back monthly. So you don't have to worry about losing it if you die - should you care. I think too that with Tang you don't have to request it someone will correct me if I'm wrong. The Rogers card is a nuisance in that regard, if you aren't a Rogers customer. You have to remember to request the cash back in November in order to receive it in January. Just mark it on your calendar. I prefer cards that enable auto-pay of their bills from my bank account.
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At last inquiry, Rogers didn't do this, so the bill must be paid manually. It's something else to remember or put in the calendar which requires action. Non-subscribers can read and sort comments but will not be able to engage with them in any way. Click here to subscribe. If you would like to write a letter to the editor, please forward it to letters globeandmail.
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Customer help. Contact us. Log in. Log out. Article text size A. To view your reading history, you must be logged in. Log in Register. Rob Carrick Personal Finance Columnist. Published April 11, Updated May 8, Comments Please log in to bookmark this story. Log In Create Free Account. Find your bookmarks by selecting your profile name.
And, there are some very rich offers on the market right now [in the cash-back category]" Story continues below advertisement. Story continues below advertisement.
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Follow Rob Carrick on Twitter rcarrick. Report an error Editorial code of conduct. Tickers mentioned in this story Data Update Unchecking box will stop auto data updates. Due to technical reasons, we have temporarily removed commenting from our articles. You can cover the cost with points, a mix of points and cash, or charge your travel expenses to your card and redeem points later to cover the costs.
Points can also be used to cover taxes and fees. Despite having a slightly lower earn rate than comparable travel credit cards albeit a slightly lower annual fee , the Scotia Passport Visa Infinite is a well-rounded card that offers real value tailored to travellers with no foreign transaction fee, six free Priority Pass airport lounge visits per year, and a strong travel insurance package.
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