MBNA - Premier Rewards Platinum Plus, no annual fee - 1% cashback (not tiered)

[Spooter]

Here is how it works:
1. Go to www.mbna.com/canada/
2. Sign up for any card that does not have an annual fee
3. Get the card in the mail, call to activate it
4. Immediatley call back and ask to cancel it
5. They will transfer you to retention, just straight up tell them you want a credit card with platinum benefits and 1% cash back with no annual fee.
6. They will say, ok!, and send you the card

The benefit with this card is that the 1% is not tiered. You get 1% cashback on the first dollar you spend. The platinum benefits, such as free rental car insurance are also quite nice.

Existing MBNA card holders can get this retention card as well.

[PhoeniX Skye]

Can't you just call in and ask for it in the first place?

[red_red]

[QUOTE=Spooter;6701343]
The benefit with this card is that the 1% is not tiered. You get 1% cashback on the first dollar you spend. The platinum benefits, such as free rental car insurance are also quite nice.

QUOTE]

Is this benefit exactly like the CITIBANK MC one ??

[Spooter]

QUOTE]

Is this benefit exactly like the CITIBANK MC one ??[/QUOTE]


No the CITIBANK Enrich Card is inferior. Here's why:

1. No platinum benefits (like auto insurance)
2. They cap your 1% bonus at $250 a year.
3. CitiBank card carries a higher rate of interest (for those who are irresponsible)


QUOTE]

Can't you just call and ask for it?QUOTE]

Sure can't, not without paying an annual fee.

[THINKPADT61]

How come I can't find CITI enrich card on there canadian site?? Can anyone send me the link?

[gheart008]

[QUOTE=Spooter;6701428]QUOTE]

Is this benefit exactly like the CITIBANK MC one ??


No the CITIBANK Enrich Card is inferior. Here's why:

1. No platinum benefits (like auto insurance)
2. They cap your 1% bonus at $250 a year.
3. CitiBank card carries a higher rate of interest (for those who are irresponsible)




Can't you just call and ask for it?

Sure can't, not without paying an annual fee.

lol you do know you can get the platinum version of the citi card right? :lol:

[THINKPADT61]

Ok, so I can MBNA and they have approve me over the phone with a limit of 10K.,.. which is way too much...

[wiresncode]

lol you do know you can get the platinum version of the citi card right? :lol:

exactly. That's what I have, all you need is to qualify for the enrich with a limit of more than something like 6k and then call them to upgrade. The 1% maxes at $500 on the platinum, don't think I'll be spending 50k on my card.

[SAS-1]

exactly. That's what I have, all you need is to qualify for the enrich with a limit of more than something like 6k and then call them to upgrade. The 1% maxes at $500 on the platinum, don't think I'll be spending 50k on my card.

+1 for the Citi Enrich Platinum card. It's nice having the extended warranty feature as well.

[Fishing]

the MBNA card also has the extended warranty feature as well.
4 main features of the card:

1. extra year warranty on purchases
2. free car rental insurnace on rentals
3. 1% cash back non-tiered
4. no fees

[THINKPADT61]

the MBNA card also has the extended warranty feature as well.
4 main features of the card:

1. extra year warranty on purchases
2. free car rental insurnace on rentals
3. 1% cash back non-tiered
4. no fees

These are the feature i need! Time to cancel all my CIBC/RBC card!

[ttff]

These are the feature i need! Time to cancel all my CIBC/RBC card!
will it affect the credit score if cancel the cibc/rbc visa?

[shibbyguy]

If I have this exact card already, any chance of getting this deal? I pay $25 annually but my cash back more than covers it. I'd still like to save another $25 if I could. If I called in, they would probably tell me I benefit from it already so would they still knock off the fee?

[dmxlite]

will it affect the credit score if cancel the cibc/rbc visa?

Yes.

Note, YMMV, because there's nothing stopping the CSR from rejecting your request (or giving you something else), or even going "okay" and then cancelling your card.

[SAS-1]

If I have this exact card already, any chance of getting this deal? I pay $25 annually but my cash back more than covers it. I'd still like to save another $25 if I could. If I called in, they would probably tell me I benefit from it already so would they still knock off the fee?

Just tell them you'll switch to the Citi Enrich Platinum card if they won't.

[dunand]

I have 1.25% cashback on my mastercard ultramar. This beat the 1% of your platinum. (I also have a platinum that I use only for renting cars :cool: )

http://www.nbc.ca/bnc/cda/productfamilymc/0,6326,divId-2_langId-1_navCode-15959,00.html

[THINKPADT61]

I have 1.25% cashback on my mastercard ultramar. This beat the 1% of your platinum. (I also have a platinum that I use only for renting cars :cool: )

http://www.nbc.ca/bnc/cda/productfamilymc/0,6326,divId-2_langId-1_navCode-15959,00.html

It just get better and better!

[CanadaRAM]

I have 1.25% cashback on my mastercard ultramar. This beat the 1% of your platinum. (I also have a platinum that I use only for renting cars :cool: )

http://www.nbc.ca/bnc/cda/productfamilymc/0,6326,divId-2_langId-1_navCode-15959,00.html

No, not that good. It's tiered, starts at 0.25%, it's 0.5% from $6000 - $9000, and only 1.25% over $9000. And then it is capped at $250.

[moonwander]

Just tell them you'll switch to the Citi Enrich Platinum card if they won't.

Did anybody get this Citi Enrich "Platinum" recently? I tried twice in the past couple of months, they just told me there's no such "Platinum" thing any more. :confused:

[gheart008]

I have 1.25% cashback on my mastercard ultramar. This beat the 1% of your platinum. (I also have a platinum that I use only for renting cars :cool: )

http://www.nbc.ca/bnc/cda/productfamilymc/0,6326,divId-2_langId-1_navCode-15959,00.html

and....

So many of us also have the 2% cash back amex gold which "beats" your ultramar card, but so what?

[queenofhearts]

Did anybody get this Citi Enrich "Platinum" recently? I tried twice in the past couple of months, they just told me there's no such "Platinum" thing any more. :confused:

I just applied for one today. No problem doing so. I already have the Citi Enrich 1% cash back (the regular one--blue in colour), so maybe you have to apply for the blue one before you can upgrade to the platinum?

[dubjk]

Did anybody get this Citi Enrich "Platinum" recently? I tried twice in the past couple of months, they just told me there's no such "Platinum" thing any more. :confused:

I originally had the citibank gold, then switched to the regular Enrich. But in the mail they gave me the platinum. no complaints there :cheesygri

[casperr]

I want a platinum version for those benefits, but you do need a minimum of 5k credit limit before you can get one of these right?

[ecgz88]

for Citi Enrich Platinum, they remain my limit at $1500:evil:


I want a platinum version for those benefits, but you do need a minimum of 5k credit limit before you can get one of these right?

[Octavius]

No, not that good. It's tiered, starts at 0.25%, it's 0.5% from $6000 - $9000, and only 1.25% over $9000. And then it is capped at $250.

The tiers are correct...but if you hit 9k then you get 1.25% ON THE FULL AMOUNT that you spend.

That being said though, I've got the Citi Enrich Platinum as a backup to my 2% AMEX Gold Cash Back card and I love it.

Jam packed with features, no fees. My only complaint is that it pays out once a year (like MOST other cash back cards)

[careyy]

I got my enrich platinum 2 weeks ago. I told them I didn't want my Petro MC, and asked for the enrich platinum. Got the card 3 business days after I called and credit limit same as before at 3500

[coldpower27]

I have 1.25% cashback on my mastercard ultramar. This beat the 1% of your platinum. (I also have a platinum that I use only for renting cars :cool: )

http://www.nbc.ca/bnc/cda/productfamilymc/0,6326,divId-2_langId-1_navCode-15959,00.html

It looks like you have to spend over 9k per year to get the 1.25% does it not?

[coldpower27]

Just out of curiosity, is it bad to have credit cards you don't use and leave in the drawer and not cancel them, or is there something like an inactive fee after awhile?

[wanderingcat]

Thank you very much OP!

Just called and and said I wanna cancel my card, then the CS asked me why, I told her because I the Citi Enrich card has 1% cash but my card doesnt have it. Then she said no problem to offer me a similar card! 1% cash back, no annual fee and platinum plus benifit!

Great! Thanks OP! :-)

[mikesxf]

Just tell them you'll switch to the Citi Enrich Platinum card if they won't.

what benefits included in this Citi Enrich Platinum, cash back? car rental insurance?

currently have enrich 1% cash back card, called last month and being told no such platinum with 1% cash back and rental insurance:confused:

[coldpower27]

It looks like they seperated the cards, Platinum Plus is a different card then Premier Rewards...

http://www.mbna.com/canada/popular_cardList.html

So I dunno, I will see. I applied for the Platinum Plus one.

Ok I was totally confused and applied for the Platinum Plus by mistake, but anyway since I already have Student one with MBNA I just got that transferred to the Premier Rewards one with the Annual Fee waived.

Service Rep said if I am approved for the other one, I could get it merged with my new one for a larger credit limit.

Gah, what a mess, oh well whatever. :D

[mito]

Did anybody get this Citi Enrich "Platinum" recently? I tried twice in the past couple of months, they just told me there's no such "Platinum" thing any more. :confused:

I just read this thread and I just upgraded. No problemos. Get my card in 7-10 days

[SAS-1]

what benefits included in this Citi Enrich Platinum, cash back? car rental insurance?

currently have enrich 1% cash back card, called last month and being told no such platinum with 1% cash back and rental insurance:confused:

Off the top of my head:
You can get a max of $500 back (instead of $250 on the gold)
You get 60 day price protection on all your purchases
You get 90 day theft insurance on your purchases
Travel accident insurance up to $500,000
Car Rental insurance up to the value of the automobile
Up to 1 year extended warranty

Travel insurance is an extra cost.

[coldpower27]

Citi Enrich Platinum looks like it's a little wee bit better due to having the Price Protection feature...

But other then that... I don't see anything else, it's worse in the sense that you need a 15K minimum yearly income to apply though. While MBNA has no minimum income limit.

[gheart008]

Citi Enrich Platinum looks like it's a little wee bit better due to having the Price Protection feature...

But other then that... I don't see anything else, it's worse in the sense that you need a 15K minimum yearly income to apply though. While MBNA has no minimum income limit.

But realistically 15K is nothing since that translates to roughly $7.50/hr, which is around minimum wage, meaning as long as you have a full time job you're qualified.

If you don't have a full time job meaning you're not able to make regular payments, you really shouldn't be getting a credit card for regular spending to begin with.

[aznkalun]

Just called and changed my UBC Alumni card to the Premium Platinum Plus. =)

Thanks OP!

[b1unt3d]

I just called capital one to cancel, and see if they would add 1% cashback to my prime+0.9% platinum card. The guy totally dicked me around. He told me that department is closed for the next 30 mins, and I should call back in a half an hour. What the hell.

[PhoeniX Skye]

I just called capital one to cancel, and see if they would add 1% cashback to my prime+0.9% platinum card. The guy totally dicked me around. He told me that department is closed for the next 30 mins, and I should call back in a half an hour. What the hell.

SUP.

Go get the Amex 2% card.

[Siefer999]

Ok, so I can MBNA and they have approve me over the phone with a limit of 10K.,.. which is way too much...

that is the max limit (at the moment) that they are willing to offer you. you can tell them to give you any amount lower than that. You can have it as little as you want

[sjweyman]

Well, normally I would recommend the Enrich for the benefits ... but it does look like they've removed the Platinum version of the card (if it was ever there to begin with). They have regular, gold, platininum versions of the Driver's Edge still.

I guess this card is the better option now if the platinum is no longer available.

[moonwander]

I just applied for one today. No problem doing so. I already have the Citi Enrich 1% cash back (the regular one--blue in colour), so maybe you have to apply for the blue one before you can upgrade to the platinum?

Thanks for the reply. I have the regular Citi Enrich. They asked some "manager" before telling me that no more "platinum". Probably it's just a YMMV.

[coldpower27]

SUP.

Go get the Amex 2% card.

Yeah, that might be an option though, the American Express 2% card only is better when you reach beyond $6250 spending per year, before that the 1% Cash Back of this card offers greater return.

So if your guaranteed to spend more then $6250 per year on your credit card then American Express is the better of the 2.

[dav1209]

It looks like they seperated the cards, Platinum Plus is a different card then Premier Rewards...

http://www.mbna.com/canada/popular_cardList.html

So I dunno, I will see. I applied for the Platinum Plus one.

Ok I was totally confused and applied for the Platinum Plus by mistake, but anyway since I already have Student one with MBNA I just got that transferred to the Premier Rewards one with the Annual Fee waived.

Service Rep said if I am approved for the other one, I could get it merged with my new one for a larger credit limit.

Gah, what a mess, oh well whatever. :D

just call them and get the product change. They will send you the new card
i have no problem changing my student card to the new platinum plus years ago

[Teletran]

If you guys are looking for a cash back Platinum Card, why don't you try the CIBC Visa Platinum Dividend Credit Card?
http://cibc.com/ca/visa/dividend-platinum-card.html

Yes it costs $79 per year, but lets compare it to the AMEX Gold:
2500 at 0.5% = 12.5
2500 at 1% = 25
Total cash back earned = $37.5

5000 at 2% = $100

100 - 37.5 = $62.5

79 - 62.5 = $16.5

So platinum membership is costing you $16.5 for a 2% cash back card.

I think it is better than any of the 1% cards provided that you spend more than $7900.

[mikesxf]

Citi Enrich Platinum Card exist, confirmed!

just off the phone with csr of citibank canada

asked for the citi Enrich Platinum and she confirmed YES
1. 1% cashback, max $500 per yeaer
2. Travel Insurance
3. Car rental insurance

converted and will received the new card in mail.:lol:

[coldpower27]

If you guys are looking for a cash back Platinum Card, why don't you try the CIBC Visa Platinum Dividend Credit Card?
http://cibc.com/ca/visa/dividend-platinum-card.html

Yes it costs $79 per year, but lets compare it to the AMEX Gold:
2500 at 0.5% = 12.5
2500 at 1% = 25
Total cash back earned = $37.5

5000 at 2% = $100

100 - 37.5 = $62.5

79 - 62.5 = $16.5

So platinum membership is costing you $16.5 for a 2% cash back card.

I think it is better than any of the 1% cards provided that you spend more than $7900.

Umm, going by the site here:
http://cibc.com/ca/visa/dividend-platinum/dividend-plat-ftrs.html
Have you looked at tiers of this card?!

0.5% on the 3000
1.0% on 3000 - 15000
1.5% on 15000 - 35000
2.0% on 35000 - 50000

Very bad, not to mention the $79 annual fee, the American Express 2% crushes this one easily.

[coldpower27]

just call them and get the product change. They will send you the new card
i have no problem changing my student card to the new platinum plus years ago

I already did, that went well and my StudentAwards card is changed to the Premier Rewards one with the Annual Fee waived.

If in the event I get approved for the Platinum Plus one, I will have that consolidated to the my new Premier Rewards for a larger credit limit, if that occurs. Don't need two credit cards from MBNA obivously. :D

[Teletran]

Umm, going by the site here:
http://cibc.com/ca/visa/dividend-platinum/dividend-plat-ftrs.html
Have you looked at tiers of this card?!

0.5% on the 3000
1.0% on 3000 - 15000
1.5% on 15000 - 35000
2.0% on 35000 - 50000

Very bad, not to mention the $79 annual fee, the American Express 2% crushes this one easily.

Ouch my bad... I didn't notice that it was tired.

Those tiers are HORRIBLE!

[Loomy]

I called and had mine switched without explicitly threatening to cancel. The first tier support person seemed smart, so after changing my online password (while establishing a positive rapport with the support person), I said I wanted to switch to a 1% card from another company.

She said "here is our 1% card with a fee"; I said "hmm the other card has no fee..."; she said "yes... but our card doesn't have the $250 limit, do you plan on spending over $25,000?"; I said no; she said "okay then...blablabla I'm going to offer you our card with no fee.

I just won the RPG of life by choosing the diplomatic path.

PS: this was for the PremierRewards card. There seems to be some confusion in the thread, with some people getting either that or the Platinum Plus card, and others saying they can get both on one card. The mbna website says they are two different cards... is anyone sure that both cards can be mutated into one? Or does the PremierRewards card naturally have all the features of the Platinum Plus card?

[coldpower27]

I called and had mine switched without explicitly threatening to cancel. The first tier support person seemed smart, so after changing my online password (while establishing a positive rapport with the support person), I said I wanted to switch to a 1% card from another company.

She said "here is our 1% card with a fee"; I said "hmm the other card has no fee..."; she said "yes... but our card doesn't have the $250 limit, do you plan on spending over $25,000?"; I said no; she said "okay then...blablabla I'm going to offer you our card with no fee.

I just won the RPG of life by choosing the diplomatic path.

PS: this was for the PremierRewards card. There seems to be some confusion in the thread, with some people getting either that or the Platinum Plus card, and others saying they can get both on one card. The mbna website says they are two different cards... is anyone sure that both cards can be mutated into one? Or does the PremierRewards card naturally have all the features of the Platinum Plus card?

Premier Rewards and Platinum Plus are 2 seperate cards, Premier Rewards has everything Platinum Plus has plus the 1% discount but it comes with a $29 Annual Fee usually. By saying you have found a beter offer to a service rep though, you can get the Premier Rewards without the Annual Fee, so we are all getting the Premier Rewards card not Platinum Plus.

However the full name of this credit card is Premier Rewards Platinum Plus, hence all this confusion.

[b1unt3d]

SUP.

Go get the Amex 2% card.


I don't want an Amex card. but thanks :P

[Loomy]

However the full name of this credit card is Premier Rewards Platinum Plus, hence all this confusion.

I can see why it is confusing, when the name is apparently PremierRewards, not Premier Rewards Platinum Plus like you suggest?!? :) http://www.mbna.com/canada/card_directory.html

[casperr]

Can anyone correct this?

MBNA requires you to have a minimum of 5k limit before they can switch you to platinum?

I just need to know because CITI doesnt require this. Thanks

[Loomy]

Yeah I just found this, and these guys say that having a good credit rating and/or over $5000 credit limit automatically makes your card a platinum one. http://www.redflagdeals.com/forums/showthread.php?t=543824&highlight=platinum

That would explain why it is so confusing, they don't actually list any of this on the card websites.

[coldpower27]

I can see why it is confusing, when the name is apparently PremierRewards, not Premier Rewards Platinum Plus like you suggest?!? :) http://www.mbna.com/canada/card_directory.html

I know on the site they are just Premier Rewards, I was referencing this:

http://www.creditcardsearch.ca/mbna-premier-rewards-platinum-plus-mastercard

vs this http://www.creditcardsearch.ca/mbna-platinum-plus-mastercard

[pnyknights]

I know on the site they are just Premier Rewards, I was referencing this:

http://www.creditcardsearch.ca/mbna-premier-rewards-platinum-plus-mastercard

vs this http://www.creditcardsearch.ca/mbna-platinum-plus-mastercard

I did a little browsing with that link and I saw this.
http://www.scotiabank.com/cda/content/0,,CID10410_LIDen,00.html
L'earn VISA card for students
with the following tiers

Annual Net Eligible Purchases----------% Moneyback Reward
On the first $500--------------------------0.25%
On the next $500-------------------------0.50%
On any amount over $1,000------------1.0%
Annual Fee $0

Can anyone please confirm these tiers and if there are any other special conditions?

Also, does anyone know of any VISA card equivalents? ie 1% not tiered, no fees?

[kuri]

exactly. That's what I have, all you need is to qualify for the enrich with a limit of more than something like 6k and then call them to upgrade. The 1% maxes at $500 on the platinum, don't think I'll be spending 50k on my card.

When I upgraded my Enrich to Platinum last year, they told me the Platinum has no cap on the cashback amount. Not that I plan to charge over 50k on the card but I thought I'd let you guys know. Maybe it's something you can ask for, or maybe the guy on the line just didn't know what he was talking about. I have not received a brochure or any printed document to confirm/disprove his claims though...

[convoluted]

I did a little browsing with that link and I saw this.
http://www.scotiabank.com/cda/content/0,,CID10410_LIDen,00.html
L'earn VISA card for students
with the following tiers

Annual Net Eligible Purchases----------% Moneyback Reward
On the first $500--------------------------0.25%
On the next $500-------------------------0.50%
On any amount over $1,000------------1.0%
Annual Fee $0

Can anyone please confirm these tiers and if there are any other special conditions?

Also, does anyone know of any VISA card equivalents? ie 1% not tiered, no fees?

The main special condition I guess would be that it's geared towards students. I'm quite surprised Scotiabank has finally started to be a bit more lenient towards giving credit to students with a MINIMUM of $1000; my MAX was $1000 when I was a student, even when I was a co-op student WORKING for Scotiabank. The other bonus to this would be the ScotiaStar network, which is quite limited. Their list for myself anyways would only be used for MAYBE zip.ca and tigerdirect.ca. The tiers themselves are decent since it is a student card and not a regular card. They do lack any sort of extended warranty/price protection; CIBC has a dividend Visa that has some of these features but also has higher tiers.

[sjweyman]

I can see why it is confusing, when the name is apparently PremierRewards, not Premier Rewards Platinum Plus like you suggest?!? :) http://www.mbna.com/canada/card_directory.html

Don't be so quick to make fun. MBNA offers pretty much ALL of their cards in 3 levels: 1) Regular 2) Gold 3) Platinum Plus

They just happen to have a card called "Platinum Plus" as well. That card is basically the same as all the other Platinum Plus versions of other cards but without any extra rewards ... so why would you get it?

[dmxlite]

I did a little browsing with that link and I saw this.
http://www.scotiabank.com/cda/content/0,,CID10410_LIDen,00.html
L'earn VISA card for students
with the following tiers

Annual Net Eligible Purchases----------% Moneyback Reward
On the first $500--------------------------0.25%
On the next $500-------------------------0.50%
On any amount over $1,000------------1.0%
Annual Fee $0

Can anyone please confirm these tiers and if there are any other special conditions?

Also, does anyone know of any VISA card equivalents? ie 1% not tiered, no fees?


The tiers are listed on the website, isn't that confirmation enough?

I wonder what happens when you are no longer a student... will they switch you over to the regular moneyback card? The tiers for that are:

RATE.......ELIGIBLE PURCHASES
0.25%.....<$1,500
0.50%.....$1,500 – $3,000
1.00%.....>$3,000

[alpenrock]

Did anybody get this Citi Enrich "Platinum" recently? I tried twice in the past couple of months, they just told me there's no such "Platinum" thing any more. :confused:

First I had Staples mastercard then I called CITI and old them to have the Enrich platinum with no fees and cashback. they told me to call me in the morning So I called the next morning they sent me in 3 days my new platinum enrich

[b1unt3d]

finally got my card in the mail today. just called to activate it. I'll call back shortly to cancel/improve it, and let you all know how it went.

[b1unt3d]

well, i wasn't put through to retention. i had to put up with a bunch of ********. they could only offer me a 1% cashback/platinum rewards card if I paid $30 a month. would not waive the fee. I had to cancel the card.

thanks for nothing OP

[trader08]

out of curiousity, since this is a MBNA card, was anyone able to get the ATHOME memberworks giftcard membership?

[theastroboy]

The partnership between the two has been terminated.


out of curiousity, since this is a MBNA card, was anyone able to get the ATHOME memberworks giftcard membership?

[tomtomtom]

I used to have the eBay MBNA Credit card....Two years ago, the card program got discontinued, they gave me Premier Rewards Platinum Plus - no fee;)

It's great, the only problem is - I hate when they send me stacks of access cheques every month, what a waste of paper!

They keep raising my credit limits, I actually had to call in and tell them to cut back on it

[loonie]

Don't be so quick to make fun. MBNA offers pretty much ALL of their cards in 3 levels: 1) Regular 2) Gold 3) Platinum Plus

They just happen to have a card called "Platinum Plus" as well. That card is basically the same as all the other Platinum Plus versions of other cards but without any extra rewards ... so why would you get it?

IMHO the Platinum Plus does have extra rewards as well , I have Platinum Plus card tied with Starwood preferred Guest reward program as do many of us here... I could be wrong or simply confused ;)

[witiku]

It was easy to make the change. Thanks for the tip. The 1.9% interest for 6 months on balance transfer promotion sweetens the deal. (There is a 1% one time fee on balance transfers, so take that into account) Are the MBNA customer service people always as friendly? I scrapped my PC Mastercard because they were terrible and very rude to my wife, when she inquired about these strange prerecorded phone calls, seemed like "fishing", boiler room phone calls. Turned out she had $50 overdue balance on her PC MC.

[tomtomtom]

I scrapped my PC Mastercard because they were terrible and very rude to my wife, when she inquired about these strange prerecorded phone calls, seemed like "fishing", boiler room phone calls. Turned out she had $50 overdue balance on her PC MC.

Worst yet, I am not sure if the system suck or purposely post the transaction late, It can take up to 3-4 business before my mom's payment went in for PC MC.

She got dinged interest almost every month:evil: The rep ignorantly told her to pay earlier, like wft!:evil:

[Xian]

I have had this card for 8 years, at first without the 1% cashback and then I got it switched about 5 years ago. My card is classified as: Premier Rewards Platinum Plus MasterCard

I didn't have to threaten anyone to get it, I just asked if they had a cash back option, they sent me a new card. Every January 1% of my year's total gets knocked off my January bill.


[Pros]
1% cashback non-tiered, no fee

[Cons]
MBNA seems like a dodgey bank but I've had this card for over 8 years without issue.


Oddly enough after I bought a car financed through Scotiabank, they offered me a similar card, 1% non-tiered no fee. Can't hurt to ask if you prefer Scotiabank.

[Chrispy]

IMHO the Platinum Plus does have extra rewards as well , I have Platinum Plus card tied with Starwood preferred Guest reward program as do many of us here... I could be wrong or simply confused ;)

It seems you're missing the biggest difference between the Platinum Plus and the PremierRewards card.

The PremierRewards = Platinum Plus with Cashback AND FIXED 19.99% Interest Rate.

Platinum Plus = Standard 9.99% interest rate.

So it depends on what you value more...lower interest rate or cash back....for me, I value the lower interest rate more than the cash back, as I usually use this account to carry a balance.

[wildgrass]

wow, that was a lot easier than i thought.
i have no credit history, i recieved a premier rewards 1% about 5bd after applying. i called to activate but i said i wouldnt activate if there was a annual fee. i was transferred and the retention csr gave me the card with no annual fee.

i also then asked to do a balance transfer at 0%apr (quote bodx) on my other card (platnium plus) and he did it with a 0.5% fee instead of the normal 1% fee.

thanks red flag deals!!!

[gsrce]

It's great, the only problem is - I hate when they send me stacks of access cheques every month, what a waste of paper!


Call and ask to suppress the access cheques and they'll stop sending them to you.

[aznkalun]

Did anyone else get suckered into agreeing for the CreditWise insurance? I want to just cancel but the CSRs keep insisting there's no reason for me to do so. I'll probably end up calling the complaint hotline or something.

[gsrce]

Did anyone else get suckered into agreeing for the CreditWise insurance? I want to just cancel but the CSRs keep insisting there's no reason for me to do so. I'll probably end up calling the complaint hotline or something.

Credit Wise is just a credit protection program. It's valuable for some people, as if you keep a low balance you won't be charged much. (only a buck or so per $100 balance)

I don't know all of the benefits for the Canadian version, but for the U.S. side of MBNA, it will cover your minimum monthly payments for awhile for life events like marriage, divorce, moving, graduating, unemployment, etc., so the Canadian benefits are probably somewhere in the same ballpark.

If you keep a low balance, it's a good thing to have. If you keep a high balance (in the higher thousands), then you'll end up paying quite a bit more each month. Although if you have no balance, you won't be charged anything.

Just call them and tell them you want the number to cancel, and if they argue, just tell them to give it to you or you want to talk to a manager, which will get them to give you the number quickly as the manager will just give you the number anyways and increase their call time.

[esq05]

After reading the OP, I don't know whats the big deal with is...I've got PC mastercard, and its 1% cashback as well.

True, its only redeamable at PC stores, but who doesn't need food...

Sorry if someone has brought this up, but didnt want to read the numerous pages...

[Mgz]

Just out of curiosity, is it bad to have credit cards you don't use and leave in the drawer and not cancel them, or is there something like an inactive fee after awhile?

I have my University of Alberta MBNA card since 2005, and I didn't bother to activate it :lol: (expire 07/08) cuz it has the creditwise thingy (0.99$ for 100$) and I think they would cancel it as the time expires.

and now they have just sent me a new one :lol:

I have just talked to them on the phone to switch to this one . At first the CSR insist that it has 30$ annual fee but I told him that on the website it said that it has no annual fee, so he waived it.

Then I told him about the creditwise thingy (it doesn't make sense to have a 1% cash back card when you have to pay 1% for the CreditWise thingy anyway) but he gives me a different 1-800 and asks me to call that number to handle the Creditwise insurance.

[angel_wing0]

exactly. That's what I have, all you need is to qualify for the enrich with a limit of more than something like 6k and then call them to upgrade. The 1% maxes at $500 on the platinum, don't think I'll be spending 50k on my card.

nice, going to try that once i get my enrich card. NO annual fee also right?

[angel_wing0]

The tiers are correct...but if you hit 9k then you get 1.25% ON THE FULL AMOUNT that you spend.

That being said though, I've got the Citi Enrich Platinum as a backup to my 2% AMEX Gold Cash Back card and I love it.

Jam packed with features, no fees. My only complaint is that it pays out once a year (like MOST other cash back cards)

now i know what the power of the ultrmar is...finally! but screw it i wont spend 9k on a credit card in a year anytime soon. Besides, if one does spend that much, it's much better using the 2% amex. I wonder if car dealerships accept credit card for down payments/monthly payments? lol

another q for citi, can i ask them to upgrade one of my current cards, say petro, and tell them to upgrade it with 1% no tier cash back along with the 2 cents off per litre? that will be the BEST :D did anyone ever try?

[ngold]

I think they waived the fees for everyone now:

http://www.mbna.ca/popular_cardList.html

Says "No annual fee" under PremierRewards®

[angel_wing0]

yes, but u do not get the platinum benefits if its just the prem rewards.

[ngold]

They might have recently changed it. When you click on it, it says "Use your MBNA PremierRewards® Platinum Plus® MasterCard® credit card for every day shopping, "
and "Exclusive platinum benefits and peace of mind"

[Loomy]

yes, but u do not get the platinum benefits if its just the prem rewards.

earlier in this thread it is said that every card is automatically made platinum when you have over 5000 dollar limit

[boyoflondon]

After reading the OP, I don't know whats the big deal with is...I've got PC mastercard, and its 1% cashback as well.

True, its only redeamable at PC stores, but who doesn't need food...

Sorry if someone has brought this up, but didnt want to read the numerous pages...


Did you miss the fact that its a PLATINUM card which provides extra 'goodies' such as car/travel/lost baggage insurance, etc?

At the end of the day, MBNA > PC

[angel_wing0]

Did you miss the fact that its a PLATINUM card which provides extra 'goodies' such as car/travel/lost baggage insurance, etc?

At the end of the day, MBNA > PC

nuff said, not even close.

[angel_wing0]

Yeah I just found this, and these guys say that having a good credit rating and/or over $5000 credit limit automatically makes your card a platinum one. http://www.redflagdeals.com/forums/showthread.php?t=543824&highlight=platinum

That would explain why it is so confusing, they don't actually list any of this on the card websites.

gotcha thanks. going to give this credit card a try as well, can someone post a pic of this or is it just the same as the regular premrewards?

[brunes]

Did you miss the fact that its a PLATINUM card which provides extra 'goodies' such as car/travel/lost baggage insurance, etc?

At the end of the day, MBNA > PC

How many times do we have to go over in these MBNA threads - there is no lost baggage insurance - read over the coverage.

You get car rental, common carrier accident, and this "2000 to return home if someone dies" insurance. That is it. No flight delay or lost baggage. That said, i don't know of any other no-fee cards offering this either.

EDIT: The part on the page where it says "Lost luggage assistance" is *NOT* lost baggage insurance. It is a for-fee service where they help you find your lost luggage or something. Read over the warranty booklet.

[Mgz]

gotcha thanks. going to give this credit card a try as well, can someone post a pic of this or is it just the same as the regular premrewards?

if they question you, just tell them to go to MBNA website, they will shut up.

This is a new change from the MBNA head office so not all of the phone CSR guy know this, yet.

[Double_J]

I too called to cancel my NBNA account, and they offered me the 1% cash back. I was reading this thread at work and a friend suggested checking out BMO cash back offer. They offer 1% like the others but also offer a 2% bonus if you purchase gas at shell.

Would you guys recommend this one over the other options?

http://www3.bmo.com/mosaik/perform_builder_start?PREBUILT=PREADULTR&&PUID=184

[esq05]

Did you miss the fact that its a PLATINUM card which provides extra 'goodies' such as car/travel/lost baggage insurance, etc?

At the end of the day, MBNA > PC

Thanks for the info. I honestly did not know the :Platinum: benefits. I got an MBNA card, so i'll try to call in to switch/cancel.

[yylover]

Thank you OP. How do you know if offers free rental car insurance? Does it say it anywhere?

Any info regarding such benefit is much appreciated.


Peter

[stooples_employee]

MBNA is pretty crappy.. they charge you for balance transfers

Also, I think the minimum purchase amount for it to count is like $7.50

[pnyknights]

MBNA is pretty crappy.. they charge you for balance transfers

Also, I think the minimum purchase amount for it to count is like $7.50

off topic, yes i know

@stooples
I'm assuming stooples = staples

I was at a staples (the one just north of McCowan & Sheppard) and they said they didn't PM smaller companies like CC only bigger companies like FS, BB, etc. Other people have said that they were able to PM an online store over in BC with no problem. Is the PM policy YMMV with each store??

[ARP511]

Here is how it works:
1. Go to www.mbna.com/canada/
2. Sign up for any card that does not have an annual fee
3. Get the card in the mail, call to activate it
4. Immediatley call back and ask to cancel it
5. They will transfer you to retention, just straight up tell them you want a credit card with platinum benefits and 1% cash back with no annual fee.
6. They will say, ok!, and send you the card

The benefit with this card is that the 1% is not tiered. You get 1% cashback on the first dollar you spend. The platinum benefits, such as free rental car insurance are also quite nice.

Existing MBNA card holders can get this retention card as well.

For those who have a decent credit histroy can also have MBNA Starwood Platinum credit card whcih includes all Platinum benefits and you earn sHeraton hotels reward points which you can use towards hotel night. They give 5000 bonus points (enough for 1 night at 3-4 star hotel) upon joining and you earn 1 point per dollor. It turns out 3-4 % cash back if you count as hotel money. I have this card since last 3 years and all my purchases incluing LCD TV have extended warranty for 1 more year. I am very happy with the service. :)

[digdeep]

How many times do we have to go over in these MBNA threads - there is no lost baggage insurance - read over the coverage.

You get car rental, common carrier accident, and this "2000 to return home if someone dies" insurance. That is it. No flight delay or lost baggage. That said, i don't know of any other no-fee cards offering this either.

EDIT: The part on the page where it says "Lost luggage assistance" is *NOT* lost baggage insurance. It is a for-fee service where they help you find your lost luggage or something. Read over the warranty booklet.

According to the warranty booklet:

Citi Enrich Platinum does have Baggage Delay Insurance, that includes lost baggage as well I would assume.

If baggage is delayed more than 4 Hrs, you are paid $100 per day for up to 3 days.

[spazzamatic]

mbna sucks=D thats my opinion.

i enjoy my amex

[slaman]

According to the warranty booklet:

Citi Enrich Platinum does have Baggage Delay Insurance, that includes lost baggage as well I would assume.

If baggage is delayed more than 4 Hrs, you are paid $100 per day for up to 3 days.

Really??? I could have sworn it was 24 hrs!!!

[auto-m8]

1 % cashback is not really a cashback with the Premier Platinum MBNA card.
It is actually credited to your Card balance in January.

Still, not a bad deal considering purchase protection, rental CDW, 1 % credit,etc

[digdeep]

1 % cashback is not really a cashback with the Premier Platinum MBNA card.
It is actually credited to your Card balance in January.

Still, not a bad deal considering purchase protection, rental CDW, 1 % credit,etc

:cheesygri , as far as I know only AMEX Costco card issue a cheque to you (can be cashed in Costco).

All other cash back bards credit your account directly.

Well, if you don't use your card anymore, you can still cash advance from any ATM to get those credit, right?

[rvs007]

I too called to cancel my NBNA account, and they offered me the 1% cash back. I was reading this thread at work and a friend suggested checking out BMO cash back offer. They offer 1% like the others but also offer a 2% bonus if you purchase gas at shell.

Would you guys recommend this one over the other options?

http://www3.bmo.com/mosaik/perform_builder_start?PREBUILT=PREADULTR&&PUID=184This card has an annual fee of $49/yr. Cold in comparison.

[angel_wing0]

1 % cashback is not really a cashback with the Premier Platinum MBNA card.
It is actually credited to your Card balance in January.

Still, not a bad deal considering purchase protection, rental CDW, 1 % credit,etc

thats the same thing with all the cashback credit cards..so your pt is...?

[Double_J]

This card has an annual fee of $49/yr. Cold in comparison.

I noticed the annual fee as well but thought that tripe the percentage considering where gas is going, it would still be worth it. The guy at work says he has a letter from them saying they offer 5% on some things too. I have not seen it as of yet but if this is true it sounds pretty good to me.

[felix]

After reading the OP, I don't know whats the big deal with is...I've got PC mastercard, and its 1% cashback as well.

True, its only redeamable at PC stores, but who doesn't need food...

It's also credited to your PC points account every month, while these cash back cards only credit you once a year (so you need to be careful before switching to another credit card, be sure to wait until the credit shows up on your statement first and never trust the phone rep when he/she says the points/rewards will transfer over!!).

[VenomZeus]

I enrolled inthe insurance program with MBNA since January because they've been calling non-stop and sending me mail when I told them I wasn't interested but I finally said yes. Does anyone know if they refund you if you cancel the program or do they just keep what had just been spend if I never took advantage of it?

[ecobuilder]

The Capital One Platinum Cash Back M/C seems viable:


No annual fee
No cap on rewards
0.5% up to $3K - 1% after $3K
Redemption by statement credit or cheque
Usual Platinum card benefits
Paypass for Tap & Go



http://www.capitalone.ca/canada/cards/platinum-cash-back-mastercard/index.php?linkid=WWW_Z_Z_Z_CNCMPRW_C1_35_T_CNCPCB

Limitless rewards is a big draw. Would work for those that max out spending without carrying a balance.

With the rewards, they offer no expiry and you can redeem when you want.

[angel_wing0]

btw, is there a cap for cashback this premier reward platinum plus?

[angel_wing0]

just got mine (prem rewards platinum +) done over the phone...coming in 10-15 business days :p but hey the rep confirmed NO CAP ON THE CASHBACK!!!!!! if its true then this is better than the citi enrich platinum, which caps at $500 cashback.

[faken]

whats so great about this card? I have the non-fee scotia moneyback card, gives me 1% on th first dollar.

[angel_wing0]

whats so great about this card? I have the non-fee scotia moneyback card, gives me 1% on th first dollar.

u get platinum benefits first of all, and for the scotia moneyback, according to ben's cash back calucator, it's tiered.

$0-1500: 0.25%
$1500.01-3000: 0.5%
$3000.01+: 1.0%

http://www3.telus.net/CalgaryBen/

[GreatWong]

nice, i just got myself this sweet ass card... and i don't even have a job. lmao

thanks op!

[angel_wing0]

http://www.creditcardsearch.ca/files/mbna-premier-rewards-mastercard.jpg

pic of the card...

can someone post a pic of the citi enrich platinum?

[faken]

u get platinum benefits first of all, and for the scotia moneyback, according to ben's cash back calucator, it's tiered.

$0-1500: 0.25%
$1500.01-3000: 0.5%
$3000.01+: 1.0%

http://www3.telus.net/CalgaryBen/

cool website. Yeah I guess it's tiered. I even looked on the scotia website. I only got the moneyback because I wanted to get a Visa. This seemed like the most reasonable visa to get. I use my bmo mastercard the most.

[angel_wing0]

cool website. Yeah I guess it's tiered. I even looked on the scotia website. I only got the moneyback because I wanted to get a Visa. This seemed like the most reasonable visa to get. I use my bmo mastercard the most.

if u want cashback, visa is NOT the way to go.

[pnyknights]

cool website. Yeah I guess it's tiered. I even looked on the scotia website. I only got the moneyback because I wanted to get a Visa. This seemed like the most reasonable visa to get. I use my bmo mastercard the most.

The TD Visa cashback only has two tiers
1-3000 @ 0.5%
3000+ @ 1%
I think you get an extra ~$3.75 :cheesygri
I don't have a Visa yet, but I might end up getting this one.

CalgaryBen's CB calc, however a bit outdated, is such a great tool.

[angel_wing0]

The TD Visa cashback only has two tiers
1-3000 @ 0.5%
3000+ @ 1%
I think you get an extra ~$3.75 :cheesygri
I don't have a Visa yet, but I might end up getting this one.

CalgaryBen's CB calc, however a bit outdated, is such a great tool.

indeed, someone needs to tell him to UPDATE! that capitalone card is not even avaliable anymore...

[Aske001]

Did you see the recent Globe & Mail story that the credit card companies are starting to charge merchants extra for transactions on these "premium" credit cards? Many merchants are upset by this, and you may see a developing reluctance to accept these cards in some locations.

[casperr]

what's premium to their definition? When a card is platinum and getting benefits? and / or has reward points?

[angel_wing0]

what's premium to their definition? When a card is platinum and getting benefits? and / or has reward points?

the platinum for this card has free rental car insurance and one year warranty for stuff u bought. That was told to me by the rep.

[prying eyes]

Nope, thats not the pic, if I have the right card in my hands now........It has also "PLATINUM PLUS" Written on the extreme left..The card looks cool..the scanned image is of low res...so it doesnt capture the true colors...
http://img293.imageshack.us/img293/9310/img005pj2.jpg
http://www.creditcardsearch.ca/files/mbna-premier-rewards-mastercard.jpg

pic of the card...

can someone post a pic of the citi enrich platinum?

[Loomy]

Did you see the recent Globe & Mail story that the credit card companies are starting to charge merchants extra for transactions on these "premium" credit cards? Many merchants are upset by this, and you may see a developing reluctance to accept these cards in some locations.

is mbna doing that? if not we dont care yo

[angel_wing0]

Nope, thats not the pic, if I have the right card in my hands now........It has also "PLATINUM PLUS" Written on the extreme left..The card looks cool..the scanned image is of low res...so it doesnt capture the true colors...
http://img293.imageshack.us/img293/9310/img005pj2.jpg

i guess mine is outdated, thanks for posting the updated one!~ :)

[cuto]

For those who have a decent credit histroy can also have MBNA Starwood Platinum credit card whcih includes all Platinum benefits and you earn sHeraton hotels reward points which you can use towards hotel night. They give 5000 bonus points (enough for 1 night at 3-4 star hotel) upon joining and you earn 1 point per dollor. It turns out 3-4 % cash back if you count as hotel money. I have this card since last 3 years and all my purchases incluing LCD TV have extended warranty for 1 more year. I am very happy with the service. :)hmm, what's the likelihood of combining this with a cashback incentive? it'd be nice to have wouldn't it?!

[ProfessorChaos]

Just switched to the Premier Rewards Platinum Plus from Premier Rewards. They asked for my permission to close the account and transfer balance to the new card, hope that doesn't affect my credit score too much. Good to have a Mastercard where VISAs aren't accepted.

[El Baz]

MBNA blows.

[angel_wing0]

Just switched to the Premier Rewards Platinum Plus from Premier Rewards. They asked for my permission to close the account and transfer balance to the new card, hope that doesn't affect my credit score too much. Good to have a Mastercard where VISAs aren't accepted.

yeah i have to agree, i had my other mbna card for a long time (but never used :D)

[bigsky2]

Thanks for the tip OP.

Just got my card upgraded from a UBC Alumni card to a Premier Rewards Platinum Plus.
It was quite easy. Told the CSR I had a classmate who had his card "upgraded" and I want the same.

He said ok, no problem.

[Chavez]

Just called and asked to transfer over to the platinum, I was a member for years now so I got no fuss over it. Thanks OP

[angel_wing0]

just got mine today, looks VERY nice, much better than the scan the other user post.

and its interesting that i only have $2500 credit for it (heard min credit was $5000?)...well i guess i have been with them since 02 :D

[Kwokinator88]

Thanks Op.

I just got the upgrade without any questions asked.

[sparhawk909]

I just got my 4 year old "ordinary" MBNA mastercard upgraded to the Premier Rewards Platinum Plus with no questions asked and no annual fee! I guess if you have a squeaky clean credit record, it goes by really smoothly.

I should have taken advantage of this when I was buying all those clearance laptops from Staples earlier this year.

[angel_wing0]

I guess if you have a squeaky clean credit record, it goes by really smoothly.

u are 100% correct. Even thou i havent used my previous ut mc for like 5 years :D i m so glad that i upgraded.

[bigsky2]

Just got my card today, thanks to the OP for the tip.

And yes, I also got upgraded from a Univerrsity Alumni Platinum MC to a Premier Rewards Platinum MC without any questions asked and no annual fee. I asked about it and they said they would upgrade me!

I didn't use my previous Alumni MC for a number of years too.

[angel_wing0]

Just got my card today, thanks to the OP for the tip.

And yes, I also got upgraded from a Univerrsity Alumni Platinum MC to a Premier Rewards Platinum MC without any questions asked and no annual fee. I asked about it and they said they would upgrade me!

I didn't use my previous Alumni MC for a number of years too.

seems like most of the ppl (aka us) who got tempted into the uni cc back then are upgrading now :D

[FuNPoLiCe001]

i've been meaning to make the switch for about a month now, and finally got around to it. I've had their student card for about 1.5 years, and it's been fine (minus the occasional phone calls about services that I don't want). Waited for a CSR for about 10 minutes, then got transferred to a "senior account representative" or some such thing. Waited another 5 minutes, told him what I wanted to do, and that was it. About as painless as dealing with MBNA can be.

Thanks for the deal!

[biruru]

what number did u call?


i've been meaning to make the switch for about a month now, and finally got around to it. I've had their student card for about 1.5 years, and it's been fine (minus the occasional phone calls about services that I don't want). Waited for a CSR for about 10 minutes, then got transferred to a "senior account representative" or some such thing. Waited another 5 minutes, told him what I wanted to do, and that was it. About as painless as dealing with MBNA can be.

Thanks for the deal!

[sparhawk909]

1-800-416-6345. Get a CSR and say you want to upgrade your existing card to a PremiumRewards Platinum Plus card.

[wiebecj]

sweet! just transferred my old platinum plus for the 1% rewards myself! Thanks OP

[dmxlite]

seems like most of the ppl (aka us) who got tempted into the uni cc back then are upgrading now :D

Actually I upgraded my StudentAwards card. I only applied for the university card, but they sent me two.

[angel_wing0]

Actually I upgraded my StudentAwards card. I only applied for the university card, but they sent me two.

never heard of the student awards card...so u applied for one card, and they ended up sending u two? :confused:

[kin0kin]

Just called the above phone number and said that "I'd like to upgrade to the premium rewards platinum plus card with 1% cash back and no annual fee" then the rep said "sure...yada yada verification" and bam...there we go :p no more reason for me to use my stupid TD green xD

[dmxlite]

never heard of the student awards card...so u applied for one card, and they ended up sending u two? :confused:

yep.

Student Awards was sponsored (not sure about now), by MBNA. It's a website for scholarships and other awards. I guess they were sharing information. When I got my UBC card, I got two cards, one for UBC, and one for Student Awards. Methodology was shady since I only wanted 1 card, but I decided to keep the second one to build credit.

When I called in, the CSR said there's a fee, but he'll waive it. Which is totally stupid, since the website said there's no fee. He then said the card on the site isn't as good in how it collects the cashback 'points'.... I really hope he was just trying to make it sound good, and not sign me up for a wrong card....

[sparhawk909]

UBC sold it's soul to corporate purgatory 10 years ago. MBNA is UBC's credit card company.

[angel_wing0]

yep.

Student Awards was sponsored (not sure about now), by MBNA. It's a website for scholarships and other awards. I guess they were sharing information. When I got my UBC card, I got two cards, one for UBC, and one for Student Awards. Methodology was shady since I only wanted 1 card, but I decided to keep the second one to build credit.

When I called in, the CSR said there's a fee, but he'll waive it. Which is totally stupid, since the website said there's no fee. He then said the card on the site isn't as good in how it collects the cashback 'points'.... I really hope he was just trying to make it sound good, and not sign me up for a wrong card....


yip, they want to sound like they did u a GREAT favour :D

[xsf]

Can anyone verify whether you get to keep the same interest rate as your old card after you upgrade or not?

I'm wondering how it would work if you first signed up for a 6.9% interest rate card, then ask for the 1% cashback rewards.

[kin0kin]

What I did was, I called in and asked for the 6.99%. The rep says he couldn't do it for me because unless I get the promotion in the mail, I'm not eligible for it. BUT he looked at my rating and he says I qualify for a better rate, so he lowered it to 9.99% fixed compared to the previous AIR of 19.99% <----ouch

[flamenko]

I had the same and then told them I was going to cancel. Instant approval of 6.9% card and cancellation of card they just changed to 9.99%.

Because of the code on that card, they cannot go below 9.99 so u have to apply...do it on the phone with them and they will approve it.

[kin0kin]

I had the same and then told them I was going to cancel. Instant approval of 6.9% card and cancellation of card they just changed to 9.99%.

Because of the code on that card, they cannot go below 9.99 so u have to apply...do it on the phone with them and they will approve it.

wait, i couldn't quite understand you. Did you mean that you called in and asked for 6.9% and they didn't want to give it to you and you threatened to cancel your current card. When you did that, they gave you the 6.9% card, and they even instantly lowered your current card (the one that you wanted to cancel) to 9.99%?

[flamenko]

The website to go to and code is on this site.

I called a few days back and they changed my Platinum Plus card to 9.99. That is as low as they can go with that card no ifs, ands or buts.

Two days ago i found the rfd article and called. They told me the only way to get that rate was to apply. I said screw it I will just go elsewhere. At that time, they took my info on the phone, approved the new card at 6.9% right then and cancelled the old card (at my insistence of course) which was just changed previously to 9.9%

"Apply: Call 1-877-428-6060 or www.creditrsvp.com and quote priority code CANV"

[kin0kin]

ah ok, I guess that expedited the process. But one could always apply for the 6.99, get approved, then call and cancel the premiums reward. But I'm keeping both as I have different uses for them.

[angel_wing0]

6.99% interest is tempting, but since i never carry a balance and dont intend to...its ok.

[ngold]

Does anyone knows if there is a minimum increment for the cash back? And if the extended warranty covers computer hardware?

President's Choice MC offers similar features, but the rewards are in $10 increments, minimum $20 each time, also their extended warranty doesn't cover computer hardware..

[angel_wing0]

Does anyone knows if there is a minimum increment for the cash back?

there is none since the "cash back" will be credited to your bill on jan of the next year. Or you can just request a cheque to be sent to you for the cash back amount.

Another thing i like about mbna, use your card and the transcation will be posted online RIGHT AWAY. To alot of ppl it's not a big thing but i really like that. Citi and Amex takes a couple of days for the transcations to show up.

[dmxlite]

Oh, my online account got updated to show the new card and the old card is gone.
It does earn points that are redeemed in jan:



Points are earned and accumulated to your Account in the following manner:
Every $1.00 in Net Purchase transactions will earn 1.0 MBNA PremierRewards point. Each MBNA PremierRewards Point has a value, upon redemption, of $0.01 Canadian dollars. A "Net Purchase" means the purchase of goods or services made by you or your authorized user(s) through the use of your Account, plus or minus any adjustments made to your Account in respect of these purchases, e.g., refunds or reimbursements. Net Purchases do not include interest charges, cash advance transactions (including credit card cash advance cheques, balance transfers, and bank or automatic banking machine disbursements); any balance(s) permissibly transferred between MBNA accounts; cash advances redesignated as purchases; person to person transfers; the purchase of money orders, wire transfers, bets, lottery tickets, or casino gaming chips; unauthorized charges; credit life insurance premiums; over-the-credit-limit fees; and other fees and charges assessed on your Account.

[dmxlite]

...The card looks cool..the scanned image is of low res...so it doesnt capture the true colors...
http://img293.imageshack.us/img293/9310/img005pj2.jpg

Just got mine! Here's a pic at an angle... It's got that pearl look to it.

http://img255.imageshack.us/img255/5236/card01nv0.jpg

I noticed you didn't post the back... this is probably why:

http://img227.imageshack.us/img227/2384/card03lm9.jpg

The red back is ugly.

[wing0]

Does anyone knows if there is a minimum increment for the cash back? And if the extended warranty covers computer hardware?

President's Choice MC offers similar features, but the rewards are in $10 increments, minimum $20 each time, also their extended warranty doesn't cover computer hardware..

Can somebody answer the question regarding computer hardware too?
Only reason why I use my TD green is because of this.

[dmxlite]

Does anyone knows if there is a minimum increment for the cash back? And if the extended warranty covers computer hardware?

President's Choice MC offers similar features, but the rewards are in $10 increments, minimum $20 each time, also their extended warranty doesn't cover computer hardware..


there is none since the "cash back" will be credited to your bill on jan of the next year. Or you can just request a cheque to be sent to you for the cash back amount.


Actually....

1.)
What you spend is converted to points equal to the dollar value of each of your net purchases. These points are worth $0.01
At the end of the calendar year they will take the points and multiply it by 0.01 and round to the nearest 100th decimal point. This amount will be credited back to your account.

The number of points you have in the account will be reduced by the number redeemed.

So, if you spend $1234 in one year, you'll have 1234 PremierRewards Points. At redemption, 1234 * 0.01 = $12.34 credited back.

So, I guess you can say that the minimum incrememt of the credit is something that has a value when multiplied by 0.01, and rounded to the 100th decimal point (that is, at least 1 cent). Basically, you have to spend at least $1. Anything less has no dollar value, (unless they round up, which I don't know).

2.)
More directed at angel_wing0:
As per the Redemption section in the Terms and Conditions that I received, there is no mention of being able to request a cheque. I don't think you can do this.
It does say that if the redemtption is more than the balance owing, this will show as a credit balance on the statement, and you will not receive cash or cheque for any redeemed amount.

angel_wing0, and wing0... hmmm, are you two related?

[dmxlite]

just got mine today, looks VERY nice, much better than the scan the other user post.

and its interesting that i only have $2500 credit for it (heard min credit was $5000?)...well i guess i have been with them since 02 :D

FYI, the CSR has the power to make it a platinum card, so they can override the platinum = min. $5000 credit limit.
I switched over from a different card with a credit limit of less than $5000, but the CSR said he'll just upgrade the card to platinum with the old card's limit.

This means that during a switch (changing accounts) you can still get platinum even if th credit limit on your existing card isn't at the platinum level.

Don't know if this is true with web/phone applications.

[angel_wing0]

The red back is ugly.

ugly indeed. I hate it to be honest.


2.)
More directed at angel_wing0:
As per the Redemption section in the Terms and Conditions that I received, there is no mention of being able to request a cheque. I don't think you can do this.
It does say that if the redemtption is more than the balance owing, this will show as a credit balance on the statement, and you will not receive cash or cheque for any redeemed amount.

angel_wing0, and wing0... hmmm, are you two related?

Hmmm, i am pretty sure u can call in and request a cheque if you want...or if you are closing the card they would send u the credit as a cheque. But dont quote me on it :D

no we are not related. Dont know/never heard of him.

[Nuprapture]

just got mine processed.. i only saw the red back after requesting it, but i guess there's prob no way to change that :P

"Platinum Plus PremierRewards" is the one she gave me.. no fees and I maintained the same credit limits as before. If you want the credit limit increased you can just ask the same rep and they can do it for you, but if not you can just request to keep the same limit.

[Topher]

I've been using the Sony Mastercard for the last 3 or 4 years, which means I'll be getting a 40" Bravia this Christmas for very little money. :D

But I think I found my next credit card. I'm not even concerned about the credit limit as I usually only spend about $1000-1200 a month on my card, and I pay it off in full. I'd settle for no fee and 1% cash back, but the platinum features are nice, too, when I get a chance to use them.

According to this, there are no spending limits or earning limits for the 1%, but it doesn't confirm whether or not that is for the Platinum version of the Premium Rewards.

https://wwwa.applyonlinenow.com/CACCapp/Ctl/entry?sc=cabg&lc=en_CA

Those of you with the Platinum Plus Premium Rewards (is that what it's called?). Can you confirm if it is not capped? (Not that I expect to spend more than $25k or 50k in a year, but it would be nice to know.)

[jindogae]

Not sure it's still offered but capital one had a straight 1% cashback platinum card. There is a similar one on the website but it's tiered.
Lots of benefits with this card:
travel assistance
purchase protection
extended warranty
road assist
rental coverage
legal referals
no annuals.

[angel_wing0]

Those of you with the Platinum Plus Premium Rewards (is that what it's called?). Can you confirm if it is not capped?

yes, it's called that. And also yes I can confirm that it's not capped unlike the citi enrich platinum (cap @ $500).

[dmxlite]

President's Choice MC offers similar features, but the rewards are in $10 increments, minimum $20 each time, also their extended warranty doesn't cover computer hardware..

You get purchase protection (against loss, damage, ...) for 90 days, and that includes computers... "Computers, software, their parts and accessories are collectively considered as one item. Coverage for such an item is limited to $1,000 per loss." I think that includes any individual parts you get separately.

Extended warranty doesn't list computer/computer parts in their exclusions, so it should be covered.

[Kwokinator88]

Anyone know how long it takes for the points to show up? I just started using it and I'm seeing 0 points when I've already spent $200 (paid back already) :confused:

[ProfessorChaos]

Anyone know how long it takes for the points to show up? I just started using it and I'm seeing 0 points when I've already spent $200 (paid back already) :confused:

The points should be shown on the account when your monthly statement is available.

[Fallen_Paladin]

Does anyone know whether or not the platinum/premium perks come right away or do you have to wait for your new card first?

I don't want to wait the however many days it takes them to mail me my new card before i make some purchases.

[[buck]]

Just read the whole thread, still not clear on if you can sign up for the Premium Rewards Platinum Plus w/ no fee card directly. Do I have to order a different card first and then call and get them to upgrade me, or can I sign up directly?

If I can, does anybody have a number to call? I' guessing 1-800-416-6345 is for existing MBNA card holders.

Thanks so much! :)

[dmxlite]

;7218239']Just read the whole thread, still not clear on if you can sign up for the Premium Rewards Platinum Plus w/ no fee card directly. Do I have to order a different card first and then call and get them to upgrade me, or can I sign up directly?

If I can, does anybody have a number to call? I' guessing 1-800-416-6345 is for existing MBNA card holders.

Thanks so much! :)

http://www.mbna.ca/popular_cardList.html

Scroll down to the Premier Rewards card and apply through the website. If you qualify, you'll get the platinum version. There should be a phone number there somewhere if you want to apply by phone. If you get the regular card, call back after a couple months and ask for an upgrade.

[wikka]

Hey that was awesome! I called to cancel my existing York University MBNA Card that I had for over 2 years (also never used for 2 years) and they immediately transferred me to retention and offered this as soon as I said I want more rewards.

GREAT DEAL!!

[CanuckBassist]

Is this still a "deal"?

I see the Premier Rewards card listed on the website. When you click on it, the page after definitely calls it a Premier Rewards Platinum Plus card.:confused:

[wikka]

Is this still a "deal"?

I see the Premier Rewards card listed on the website. When you click on it, the page after definitely calls it a Premier Rewards Platinum Plus card.:confused:

I think its because Platinum cards usually require you to have higher income and credit score. With this 'deal' you can just RFD your way into it. I never thought a student could get a card like this before!

[CanuckBassist]

I think its because Platinum cards usually require you to have higher income and credit score. With this 'deal' you can just RFD your way into it. I never thought a student could get a card like this before!

The account service guy told me it used to have an annual fee, but now it's free. I think it's easier to get the card now, not having to go through retention.

[wikka]

The account service guy told me it used to have an annual fee, but now it's free. I think it's easier to get the card now, not having to go through retention.

Great news for everyone else then! The card I had was definitely a load of crap.

[BRAISKI]

I think I should get this, I currently have the Sony MBNA and the interest went up to 27% I was WTF! I will pay everything off in the next few days and I will cancel it then maybe get this one.

But before I upgrade/change I gotta use all my Sony points first to get a free movie ticket :D

[BRAISKI]

Just called the above phone number and said that "I'd like to upgrade to the premium rewards platinum plus card with 1% cash back and no annual fee" then the rep said "sure...yada yada verification" and bam...there we go :p no more reason for me to use my stupid TD green xD

Damn thats quick!

Do they even do a credit check?

[BRAISKI]

nice, i just got myself this sweet ass card... and i don't even have a job. lmao

thanks op!

Seems like they are handing Platinum cards like candies lol

[angel_wing0]

hmmm, this card is getting common or what? :D

[rvs007]

I'm trying to sign up online for this card, but the terms of conditions says this card has an annual fee of $29. Is it just because the T&C is outdated? Has anyone signed up online and got the card with no annual fee?

[angel_wing0]

I'm trying to sign up online for this card, but the terms of conditions says this card has an annual fee of $29. Is it just because the T&C is outdated? Has anyone signed up online and got the card with no annual fee?

hmmm, then u might have to call in to get it for no fee.

[ASharp]

I'm trying to sign up online for this card, but the terms of conditions says this card has an annual fee of $29. Is it just because the T&C is outdated? Has anyone signed up online and got the card with no annual fee?

Did you try signing up on this page here:
https://wwwa.applyonlinenow.com/CACCapp/Ctl/entry?sc=cabg&lc=en_CA ?

Says right there at the top "No Annual Fee".

[rvs007]

Did you try signing up on this page here:
https://wwwa.applyonlinenow.com/CACCapp/Ctl/entry?sc=cabg&lc=en_CA ?

Says right there at the top "No Annual Fee".

yes, I did try signing up using that page. But once you've entered in all your information and clicked on "verify my information", it takes you to the next page where it asks you to confirm the terms and conditions. And in the terms and conditions, it says there is an annual fee of $29.

[skyrink]

ok, i decided to upgrade my one and only and actually my first credit card to this platinum one. i picked it up just to get some free leafs gear at the ACC :cheesygri .

my only question is, how do i pay for payments?????...my parents said its difficult to, but on the website it says either by:

1. Pay By Mail - i rather save on stamps
2. Western Union - never would touch this method of payment

3. Pre-Authorized Debit - this is probably my best option, but would i have control how much money i want to give them? like i dont want to ONLY pay for the minimum balance, i would want to pay the full amount to avoid interest charges.

any help would be appreciated, thanks.

[BRAISKI]

ok, i decided to upgrade my one and only and actually my first credit card to this platinum one. i picked it up just to get some free leafs gear at the ACC :cheesygri .

my only question is, how do i pay for payments?????...my parents said its difficult to, but on the website it says either by:

1. Pay By Mail - i rather save on stamps
2. Western Union - never would touch this method of payment

3. Pre-Authorized Debit - this is probably my best option, but would i have control how much money i want to give them? like i dont want to ONLY pay for the minimum balance, i would want to pay the full amount to avoid interest charges.

any help would be appreciated, thanks.

With my Sony MBNA I pay them via internet banking.

You can also go to Bank of Montreal and pay it there, but they will charge you a fee if you do not have an account there.

[ASharp]

yes, I did try signing up using that page. But once you've entered in all your information and clicked on "verify my information", it takes you to the next page where it asks you to confirm the terms and conditions. And in the terms and conditions, it says there is an annual fee of $29.

That's strange. I just filled out the form and when I went to verify, the terms and conditions shows no annual fee.
http://www.imageflux.net/uploads/266244toc.jpg

[lebanesekid]

Does this card offer extended warranty protection?

(Sorry if this has already been asked)

[GreatWong]

To Above: Yes it doubles your warranty on anything not cars related to a maximum of an extra year.

Question: If i charge my monthly phone/ internet bills on this card do i still get the 1% back on those?

[skyrink]

With my Sony MBNA I pay them via internet banking.

You can also go to Bank of Montreal and pay it there, but they will charge you a fee if you do not have an account there.

I see, thats how I pay my rogers cell phone bill....I'm with Scotiabank btw, and their internet banking allows me to pay/send money of any amount to Rogers...can I do this with MBNA for free as well? thanks.

[ACC-Major]

https://wwwa.applyonlinenow.com/CACCapp/Ctl/entry?sc=cabg&lc=en_CA

is it this card? 35k annual salary, i only have 32k lol.

[dmxlite]

ACC-Major: They're not strict on that.

skyrink: When you pay/transfer funds, you should have an option of adding a payee/receiver, look up MBNA, and your account number is your card number. Paying bills should be free.

[NetAnt]

Just got a refusal letter from MBNA saying I have a history of not making payment. :cheesygri

[gwmkwan]

Just got a refusal letter from MBNA saying I have a history of not making payment. :cheesygri

glad to know that you have bad credit

[skyrink]

ACC-Major: They're not strict on that.

skyrink: When you pay/transfer funds, you should have an option of adding a payee/receiver, look up MBNA, and your account number is your card number. Paying bills should be free.

awesome thanks, just successfully linked my debit account with the MBNA account, bought the SPC card online with credit card and paid right back with my debit account....now im gonna call in tmrw and see if i can get the platinum card :lol:

[angel_wing0]

Just got a refusal letter from MBNA saying I have a history of not making payment. :cheesygri

okay...:p

[BRAISKI]

Just got a refusal letter from MBNA saying I have a history of not making payment. :cheesygri

Thats good to know. I had that problem a year ago :D but I paid off everything though.

How far was your "history" ? :D

[BRAISKI]

I have a question...

I bought my Sony LCD TV with my Sony MBNA, few months ago. Just in case will I still have the extended warranty? If I change to this CC? I assume it would be ok since its still MBNA...

[angel_wing0]

^ u'll get a better/concrete answer if u call them. I doubt it can be transferred thou...

[najibs]

glad to know that you have bad credit

...and that he's proud of it...

[skyrink]

done and done, platinum card on its way, no annual, 1% not tiered.

and also apparently, citi mastercard has this platinum card that gives 20% cashback in the first 12 months if ur in the US getting the US mastercard...mbna person called citi to see what kind of rate the one i was comparing to had

[angel_wing0]

done and done, platinum card on its way, no annual, 1% not tiered.

and also apparently, citi mastercard has this platinum card that gives 20% cashback in the first 12 months if ur in the US getting the US mastercard...mbna person called citi to see what kind of rate the one i was comparing to had

the us always have better credit cards than canada, sucks.

[Juxsta]

I just got the card with no annual fees. I called and asked for the card, CR asked me if that one was without annual fee (why would I say it had one...), and I got it, no problems, no other questions asked. Just for a little background, Ive only had an MBNA university creditcard for about a year and a half. Looks like they are giving these away if only you ask.

[angel_wing0]

I just got the card with no annual fees. I called and asked for the card, CR asked me if that one was without annual fee (why would I say it had one...), and I got it, no problems, no other questions asked. Just for a little background, Ive only had an MBNA university creditcard for about a year and a half. Looks like they are giving these away if only you ask.


it's easier if u have a uni card with them it seems.

[Archail]

I had an MBNA Nursing card for a few years, but stopped using it for about a year, so I've been meaning to cancel it anyways... But rather, I ended up getting this platinum card instead. The customer satisfaction representative (lovely new variation on CSR) thought the card had a $29 annual fee, but after insisting she check, she verified no annual fees. I guess some of the CSR's still don't know the new details of this card.

Good luck!

[summerdream]

Which one is better, this card or Citi Enrich Platinum?

[flame02]

what if I am a student? what are the chances of getting approved?

[angel_wing0]

Which one is better, this card or Citi Enrich Platinum?

i would say this card with the no cap...they are more like the same otherwise.

[CanuckBassist]

what if I am a student? what are the chances of getting approved?

I got a mbna university card during my first year. Over the 4 years I was in school, I had no problem switching to any of the mbna cards.

I don't think you'll have a problem, but they did stuck me with about a $500 limit at first though. It went up by $300 every once in a while. After 4 years, it's over $4000 now.

[skyrink]

the us always have better credit cards than canada, sucks.

but damn, with 20% cashback...why wont everyone in the US get it and make massive purchases like cars, houses, electronics, furniture, etc.?

[angel_wing0]

but damn, with 20% cashback...why wont everyone in the US get it and make massive purchases like cars, houses, electronics, furniture, etc.?

..because they are already in deep debt with their other goods :D

[datoprookie]

done and done, platinum card on its way, no annual, 1% not tiered.

and also apparently, citi mastercard has this platinum card that gives 20% cashback in the first 12 months if ur in the US getting the US mastercard...mbna person called citi to see what kind of rate the one i was comparing to had

No way there must be some catch. There not gona pay 20% of your mortgage and car payments.

Edit: Just went to the Citi Us site. "The Citi CashReturns MasterCard has recently been re-worked such that it now offers a 1% cash back on all purchases with a 20% cash back bonus for the first twelve months. That brings the cash back rewards up to a full 1.2% for a year." Lol 20% cashback would have been ridiculous.

[datoprookie]

Also I was able to get the card over the phone without the annual fee within 5 minutes.

[samir805]

I had mbna student card for since last year and never activated. I just called and told them, I need to get premier reward card. CR said no worries...I also asked to waive annual fee...but she said there is no annual fee for this card now.....:D

[angel_wing0]

make sure u got the prem rewards platinum plus tho...not just premier rewards.

[Rohin]

Great deal!

I used it on my MBNA University of Toronto Alumni Card and it worked like a charm, took less than 2 minutes. I just asked if I could get a better card with some kind of reward, comparable to the Citi Enrich card and the CSR recommended the Premier Rewards (make sure it's the one with the platinum benefits and 1% cash back). He also said switching over to it from my existing MBNA card would have no repercussions on my credit score.

I asked and the 1% cash back is NOT tiered and is credited every january. The platinum benefits include automatic collision insurance on rental cars and 90 day purchase protection against theft/damage on all purchases. This is a NO FEE card (some of the older posts mentioned a $29 fee, but this is wrong).

Btw does anyone know if the card includes fraud protection? I'm pretty sure this is standard for Visa and MC these days, but if anyone knows for sure, that would help.

[angel_wing0]

Great deal!

I used it on my MBNA University of Toronto Alumni Card and it worked like a charm, took less than 2 minutes. I just asked if I could get a better card with some kind of reward, comparable to the Citi Enrich card and the CSR recommended the Premier Rewards (make sure it's the one with the platinum benefits and 1% cash back). He also said switching over to it from my existing MBNA card would have no repercussions on my credit score.

I asked and the 1% cash back is NOT tiered and is credited every january. The platinum benefits include automatic collision insurance on rental cars and 90 day purchase protection against theft/damage on all purchases. This is a NO FEE card (some of the older posts mentioned a $29 fee, but this is wrong).

Btw does anyone know if the card includes fraud protection? I'm pretty sure this is standard for Visa and MC these days, but if anyone knows for sure, that would help.

it's law for any cc to have fraud protection.

[intelmic]

Just got my Platinum Plus Premier Rewards and in the papers I received, it's stated: "Coverage is subject to limitations.... see your coverage guide that came with your welcome package" or something like that...

problem is I didn't get that guide!

Any online version?

[dmxlite]

It's coming... they send it separately.

[intelmic]

It's coming... they send it separately.

thanks!

[angel_wing0]

It's coming... they send it separately.

hmm, i dont recall getting mine separately but oh well :D

[GreatWong]

wow this thread is on the front page now.. i no longer feel exclusive =|

[angel_wing0]

wow this thread is on the front page now.. i no longer feel exclusive =|

u wont unless mbna stops this card like the 2% amex.

[wing0]

I applied online about 2 weeks ago and still haven't received anything. If I'm denied, do I receive a mail stating that?

[ASharp]

I applied online about 2 weeks ago and still haven't received anything. If I'm denied, do I receive a mail stating that?

Same here! I applied around two weeks ago online as well. Everything submitted fine and now I've yet to hear anything back. I mean, I don't really mind if I don't get it since I have other cards I can use but it's been two weeks...I figure I would get some sort of response by now.

[Kwokinator88]

Does anyone know about their purchase warranty?

If I purchased a laptop, does that mean that I get +1 year of warranty? O.o

[mizermalice]

Does anyone know about their purchase warranty?

If I purchased a laptop, does that mean that I get +1 year of warranty? O.o

no such policy for mbna. keep dreaming

[Trooper8111]

Does anyone know about their purchase warranty?

If I purchased a laptop, does that mean that I get +1 year of warranty? O.o


no such policy for mbna. keep dreaming

Yes, doubles the warranty up to one year for both gold and platinum MBNA cards.

http://mbna.ca/credit_comparecards.html

[angel_wing0]

I applied online about 2 weeks ago and still haven't received anything. If I'm denied, do I receive a mail stating that?


Same here! I applied around two weeks ago online as well. Everything submitted fine and now I've yet to hear anything back. I mean, I don't really mind if I don't get it since I have other cards I can use but it's been two weeks...I figure I would get some sort of response by now.

call mbna and ask.

[rvs007]

I applied online about 2 weeks ago and still haven't received anything. If I'm denied, do I receive a mail stating that?


Same here! I applied around two weeks ago online as well. Everything submitted fine and now I've yet to hear anything back. I mean, I don't really mind if I don't get it since I have other cards I can use but it's been two weeks...I figure I would get some sort of response by now.

You guys should have received something by now if your application is approved. I applied online at about the same time (2-3 weeks ago), and I received my card last week.

[Kwokinator88]

Yes, doubles the warranty up to one year for both gold and platinum MBNA cards.

http://mbna.ca/credit_comparecards.html

That's what I thought! So do I call the company that I purchased from? or mbna? to take advantage of the warranty

[mtlguyca]

hi guys which card is better? this or mbna spg platinum?
I know that both cards are different...this is cash back and the other is hotels...flights...etc...

but still......one of the two should be better i would think..

[ASharp]

call mbna and ask.


You guys should have received something by now if your application is approved. I applied online at about the same time (2-3 weeks ago), and I received my card last week.

Alright thanks for the heads up. If I don't get anything in the mail by tomorrow, I'll give em a call.

[angel_wing0]

hi guys which card is better? this or mbna spg platinum?
I know that both cards are different...this is cash back and the other is hotels...flights...etc...

but still......one of the two should be better i would think..

each has their owna dvantages. It's hard to rate them since one is towards cash and one is towards travel.

[Trooper8111]

That's what I thought! So do I call the company that I purchased from? or mbna? to take advantage of the warranty

If it's within the product's warranty period, call the company. If it has expired, then MBNA. Remember, it doubles the warranty up to one year. So if the warranty is only six months, MBNA will only add another six months. If three yrs, then only one extra yr.

[Kwokinator88]

If it's within the product's warranty period, call the company. If it has expired, then MBNA. Remember, it doubles the warranty up to one year. So if the warranty is only six months, MBNA will only add another six months. If three yrs, then only one extra yr.

That sounds really good :| Anyone know the level of difficulty on claiming warranty from mbna?

[intelmic]

my mom bought a pair of pants with an mbna card with that warranty and few weeks later it ripped.

She then started the process to get reimbursed. It was a long 3 months hassle. She called a first time and they wanted the usual stuff like the pants receipt. She never heard from them again... She called back and got told she received a voice mail 1 month ago saying she needed to show a proof her , credit card balance had been paid even! (we never received that voice mail) And what's strange is that they should be able to see that the credit card has been paid. And it was paid a long time ago.

Anyways, she did get the money back in the end.

[tomtomtom]

my mom bought a pair of pants with an mbna card with that warranty and few weeks later it ripped.

She then started the process to get reimbursed. It was a long 3 months hassle. She called a first time and they wanted the usual stuff like the pants receipt. She never heard from them again... She called back and got told she received a voice mail 1 month ago saying she needed to show a proof her , credit card balance had been paid even! (we never received that voice mail) And what's strange is that they should be able to see that the credit card has been paid. And it was paid a long time ago.

Anyways, she did get the money back in the end.

Pants have warranty? That's something new to me?

[angel_wing0]

first time for me as well...

[agentbob]

hi guys which card is better? this or mbna spg platinum?
I know that both cards are different...this is cash back and the other is hotels...flights...etc...

but still......one of the two should be better i would think..

I don't think the SPG card is a platinum card, unless there's one that's not listed on their site?

[angel_wing0]

I don't think the SPG card is a platinum card, unless there's one that's not listed on their site?

there is a platinum version for spg.

[Kwokinator88]

my mom bought a pair of pants with an mbna card with that warranty and few weeks later it ripped.

She then started the process to get reimbursed. It was a long 3 months hassle. She called a first time and they wanted the usual stuff like the pants receipt. She never heard from them again... She called back and got told she received a voice mail 1 month ago saying she needed to show a proof her , credit card balance had been paid even! (we never received that voice mail) And what's strange is that they should be able to see that the credit card has been paid. And it was paid a long time ago.

Anyways, she did get the money back in the end.

Thanks for the story! That's interesting, they reimburse your purchase if there's a problem with it? So can I say the same with my laptop? They'll give me all the money back if I have a problem with it?

[casperr]

I love MBNA, I have ignored my visa and amex because of the perks I get from MBNA. They even increased my limit by double just by looking at my payment history without looking at my credit information, then again, they wont be seeing anything bad on my credit anyways.

But this card is my favorite card by a long shot :D

[angel_wing0]

I love MBNA, I have ignored my visa and amex because of the perks I get from MBNA. They even increased my limit by double just by looking at my payment history without looking at my credit information, then again, they wont be seeing anything bad on my credit anyways.

But this card is my favorite card by a long shot :D


this is my 2nd fav card behind the amex 2% gold :D

[samir805]

I just received my Platinum Pluse Reward card today. In the legal disclosures I found following:

"Foreign currency transactions will incur a 2.5 % currency conversion charge."

Can someone explain does this implies 2.5% of of purchase price plus currency conversion of the date of purchase

or

2.5% currency conversion rate added to the rate of the purchase date.

(purchase of) $USD 100 = $CAD 100*2.5% + 1.10 (assumed conversion rate of that day)

or $UDF 100 = $CAD 100*2.6% (2.5%+0.1% conversion rate of date)

[weedb0y]

Did you miss the fact that its a PLATINUM card which provides extra 'goodies' such as car/travel/lost baggage insurance, etc?

At the end of the day, MBNA > PC

Somehow my CIBC Dividend card has warranty extension thrown in as well and I use TD Gold VISA for my rental coverage.

[angel_wing0]

Somehow my CIBC Dividend card has warranty extension thrown in as well and I use TD Gold VISA for my rental coverage.

well he is comparing pc with the card...and the cibc div card has a $80 annual fee i think?

[BRAISKI]

I currently have a balance on my Sony CC, not much though. Do I need to pay off the balance first before I can get this deal?

[angel_wing0]

I currently have a balance on my Sony CC, not much though. Do I need to pay off the balance first before I can get this deal?

i think it will get transferred to the new card if u are approved.

[ACC-Major]

got it, time to cut up my other Credit cards lol. hmm maybe I should keep a Visa because they are more widely accepted than Master.

[BRAISKI]

got it, time to cut up my other Credit cards lol. hmm maybe I should keep a Visa because they are more widely accepted than Master.

Thats why I have 1 of each, I used to have 2 Visas but I closed the other one...

[intelmic]

got it, time to cut up my other Credit cards lol. hmm maybe I should keep a Visa because they are more widely accepted than Master.

and in any case something wrong happens to your master, you still have a backup fund at the cashier.

[angel_wing0]

got it, time to cut up my other Credit cards lol. hmm maybe I should keep a Visa because they are more widely accepted than Master.

dont cut up a visa if its your last one...i learned it the hard way on a trip. well i dont have a visa to cut up to begin with :p

[darkobra]

I've read stories about people that paid their credit card bill on time and then MBNA accused them of making the payment late or not at all. Ex. MBNA did not receive your cheque for your payment in time. After that MBNA jacked up their interest rate on the CC, charge interest etc.

Has anyone experienced this or know anyone that had these problems?

On the website MBNA Canada has two options for payment through cheque or pre-authorized payment. Could I use the pay bills feature on my own online banking site too?

[angel_wing0]

I've read stories about people that paid their credit card bill on time and then MBNA accused them of making the payment late or not at all. Ex. MBNA did not receive your cheque for your payment in time. After that MBNA jacked up their interest rate on the CC, charge interest etc.

Has anyone experienced this or know anyone that had these problems?

On the website MBNA Canada has two options for payment through cheque or pre-authorized payment. Could I use the pay bills feature on my own online banking site too?

never heard of that, but if u pay it online then they cannot accuse u of anything.

And yes u can pay online via your bank account.

[ACC-Major]

ya I set the payee account with online banking. I just bought something (paid my cell phone bill) and then transfer that amount from my bank to MBNA right after, just a test run, even if they did not received it, I only lose around $50.

[angel_wing0]

ya I set the payee account with online banking. I just bought something (paid my cell phone bill) and then transfer that amount from my bank to MBNA right after, just a test run, even if they did not received it, I only lose around $50.

lol well u couild have give it to me instead of risk losing it :D

[McMaggot]

I just received my Platinum Pluse Reward card today. In the legal disclosures I found following:

"Foreign currency transactions will incur a 2.5 % currency conversion charge."

Can someone explain does this implies 2.5% of of purchase price plus currency conversion of the date of purchase

or

2.5% currency conversion rate added to the rate of the purchase date.

(purchase of) $USD 100 = $CAD 100*2.5% + 1.10 (assumed conversion rate of that day)

or $UDF 100 = $CAD 100*2.6% (2.5%+0.1% conversion rate of date)

They will x1.025 whatever the amount is after being converted to Canadian. God forbid you get that transaction credited back to your account, then they will work in reverse. They will x0.975 whatever the amount is in CAD after being converted. So, you will lose 5% on that transaction assuming there is no change in conversion rate(which never is the case, buy and sell rates are never the same w/ banks).

[wiebecj]

All cards (and even banks when you go to exchange money) will charge you a conversion rate - 2.5% seems to be pretty standard from what I've seen.


I just received my Platinum Pluse Reward card today. In the legal disclosures I found following:

"Foreign currency transactions will incur a 2.5 % currency conversion charge."

Can someone explain does this implies 2.5% of of purchase price plus currency conversion of the date of purchase

or

2.5% currency conversion rate added to the rate of the purchase date.

(purchase of) $USD 100 = $CAD 100*2.5% + 1.10 (assumed conversion rate of that day)

or $UDF 100 = $CAD 100*2.6% (2.5%+0.1% conversion rate of date)

[angel_wing0]

All cards (and even banks when you go to exchange money) will charge you a conversion rate - 2.5% seems to be pretty standard from what I've seen.

yip indeed.

Besides if u spend alot in USD, might as well apply for a USD cc.

[jchanq]

If you go into branch to exchange US dollar cash, they charge you less than 2.5%. More like 1-2%.

[angel_wing0]

oh well, this is not the card u want if u do alot of usd transcations.

[UBooboo]

I was following this thread's instructions (Thanks OP!) but just as I was planning to call and request the platinum card I realized.... It WAS the Platinum Premier Rewards card!! Are they just giving it out directly now?:cheesygri

[angel_wing0]

I was following this thread's instructions (Thanks OP!) but just as I was planning to call and request the platinum card I realized.... It WAS the Platinum Premier Rewards card!! Are they just giving it out directly now?:cheesygri

u can apply for it without calling.

[experiment437]

I was following this thread's instructions (Thanks OP!) but just as I was planning to call and request the platinum card I realized.... It WAS the Platinum Premier Rewards card!! Are they just giving it out directly now?:cheesygri

This one? (https://wwwa.applyonlinenow.com/CACCapp/Ctl/entry?sc=bhdz&lc=en_CA)
It says there's an annual fee of $29.

I guess you could always order it, call in to cancel and say you wanted no annual fee and 1% cash back.

[TWDM]

They give you a different annual fee depending on how you get into the same area. For instance if you go to the mbna canada site and click on popular cards then into the premier rewards card, it's $0 annual fee, but you in go in via Rewards Cards -> MBNA rewards -> Premier Rewards, then it shows $29 annual fee.

[experiment437]

They give you a different annual fee depending on how you get into the same area. For instance if you go to the mbna canada site and click on popular cards then into the premier rewards card, it's $0 annual fee, but you in go in via Rewards Cards -> MBNA rewards -> Premier Rewards, then it shows $29 annual fee.

ah ha, was looking at the wrong card. thanks!

[mizermalice]

anyone know if there's a cap to the 1% cashback?

[angel_wing0]

anyone know if there's a cap to the 1% cashback?

do a search please --* I confirmed with mbna that there is no cap on a previous post.

[dmxlite]

They give you a different annual fee depending on how you get into the same area. For instance if you go to the mbna canada site and click on popular cards then into the premier rewards card, it's $0 annual fee, but you in go in via Rewards Cards -> MBNA rewards -> Premier Rewards, then it shows $29 annual fee.

Yeah, that's strange. They may not have updated the links. Or it's a ploy to make new applicants pay an annual fee.

[whyz]

Yeah, that's strange. They may not have updated the links. Or it's a ploy to make new applicants pay an annual fee.

Yes. I just got this card and assumed there was no fee. I called them and found that there was a $29 annual fee. After some discussion, the CSR agreed to send me a new card without a fee.

[ACC-Major]

oh crap, i better call them to confirm if my card is with annual fee or not.

[angel_wing0]

Yeah, that's strange. They may not have updated the links. Or it's a ploy to make new applicants pay an annual fee.

thats probably it...a little research can save us $29 a year, how nice xD

[sahilz]

Upgraded my Ryerson MBNA card to this one, confirmed with csr it is a no-fee.

Thanks!

[Ebtek]

I just called MBNA to do the BT and was told they "absolutely could not" reduce the balance transfer rate of 1% by the "Senior manager helping out to take calls" :rolleyes:

its too bad the people who managed to negotiate a 0.5% BT fee wouldnt post the name of the person they were talking to ;)

i hung up and will try again tomorrow.

[angel_wing0]

[QUOTE=Ebtek;7492854]I just called MBNA to do the BT and was told they "absolutely could not" reduce the balance transfer rate of 1% by the "Senior manager helping out to take calls" :rolleyes:

its too bad the people who managed to negotiate a 0.5% BT fee wouldnt post the name of the person they were talking to ;)

i think u posted in the wrong thread :p

u are referring to the 0% up to pairl 2009 card right?

[redkid]

great incentive 1% cash back in january, just after your xmas shopping
and it's mbna so any kid or student pretty much can get it

[angel_wing0]

they love handing out credit, we'll take that :D

[Ruski1982]

Well...on the advice of the folks here I gave MBNA a call and this is what I got:

MBNA Platinum Card
Interest Rate: 8.96% (Fixed Rate)
1% CashBack Rewards
No Annual Fee
All the Platinum benefits w/car rental insurance, extended warranty, etc.


Is this similar to what the rest of you have been getting? Especially interest wise?

[najibs]

Well...on the advice of the folks here I gave MBNA a call and this is what I got:

MBNA Platinum Card
Interest Rate: 8.96% (Fixed Rate)
1% CashBack Rewards
No Annual Fee
All the Platinum benefits w/car rental insurance, extended warranty, etc.


Is this similar to what the rest of you have been getting? Especially interest wise?

8% interest AND 1% cashback? Wow...how'd you score that?

[Ruski1982]

8% interest AND 1% cashback? Wow...how'd you score that?

Well its 8.96%, so almost 9% and I actually was thinking of just cancelling the card, since i dont use it much anymore, but when I read about this cashback option, no annual fee and platinum benefits, i thought i would check out what they would offer me, so when i spoke to the agent, they gave me that.

i was hoping for 4.99% interest, but I guess that a bit too much to ask for.

[angel_wing0]

Well...on the advice of the folks here I gave MBNA a call and this is what I got:

MBNA Platinum Card
Interest Rate: 8.96% (Fixed Rate)
1% CashBack Rewards
No Annual Fee
All the Platinum benefits w/car rental insurance, extended warranty, etc.


Is this similar to what the rest of you have been getting? Especially interest wise?

hey not bad at all~

[Terrific_Deals2k8]

I think this card is very good, got it just a few months ago and have been using it a bit more lately. It's a good combination with my BMO Mosiak M/C which I use to collect airmiles. And since I've qualified for a free Gold Mosiak M/C next year, i've decided to strictly used the MBNA M/C and will be using it for Christmas/Boxing Day shopping as well, hahah!

[rofl]

I got all the benefits of this card with a 6% interest.

[angel_wing0]

damn thats good.

[yiujun]

haha
i didnt even read this post.
i had the ubc alumni credit card and the marketing people from india (offshore operations) kept calling me about that insurance that they want me to sign up on.
i was on the phone with some woman who didnt speak english for 20 minutes, saying again and again how i didnt care what she said. but she just kept saying "but ma'am, i don't understand.." well that makes the two of us.
and they mailed me stuff every other week and it just got REALLY annoying esp since ive never used the CC at all and got it just for kicks.

so i called in to cancel, and they immediately switched me to retentions. i just wanted out, but they promised to take me off their marketing list, and to give me a premier rewards platinum plus credit card free of all charges.

so i ended up getting a low interest rate (which i don't really care for), as well as 1% cash back.
so yes, this actually works, and its really easy.
do it.

[runeash]

For those you are able to get the fee waived. I wonder if they would get a little surprise next year as the system automatically adds the annual fee. I wonder if there is a way to make waived in the system rather than manual waive one time

[ACC-Major]

don't worry, the contract you've signed is for no fee. if they add the fee, you call in and then will waive it for sure and give you something more for your inconvenience.

[angel_wing0]

For those you are able to get the fee waived. I wonder if they would get a little surprise next year as the system automatically adds the annual fee. I wonder if there is a way to make waived in the system rather than manual waive one time

there is NO annual fee to begin with.

[Infrared]

sorry, may be stupid question: if i already have 0% MBNA Mastercard (for 15 months), can i apply for this one - mbna 1% cash back?
or i'll better try citibank enrich instead, if i want to keep my money from mbna till the end of 15 month period?
thanks.

[angel_wing0]

sorry, may be stupid question: if i already have 0% MBNA Mastercard (for 15 months), can i apply for this one - mbna 1% cash back?
or i'll better try citibank enrich instead, if i want to keep my money from mbna till the end of 15 month period?
thanks.


assuming that u havent maxed out your credit limit with the 0%/15 months, yes u can.

But like u said, it's better to get the citi enrich right now since if u did get the 1% mbna u would have to move $500 of your credit limit there.

[ZoomZoom2006]

i'm holding nmba plantium card rite now -- so all I need to do is asking for cancellation and they will for sure to tranfer me to retention? or should I tell them in the first place I am seeking retention benefits.

I asked this tupid question because when I called Rogers to cancel the service expecting them offering some better deal, the rep directly accepted the cancellation without even a question asked...

[angel_wing0]

i'm holding nmba plantium card rite now -- so all I need to do is asking for cancellation and they will for sure to tranfer me to retention? or should I tell them in the first place I am seeking retention benefits.

I asked this tupid question because when I called Rogers to cancel the service expecting them offering some better deal, the rep directly accepted the cancellation without even a question asked...

no, tell them u found out about this card and u want to upgrade yours to it...if they say no, say **** u, hang up and try again :D

[philipie]

Actually I use the same method to get the Travel Rewards Card.

[slaman]

the MBNA card also has the extended warranty feature as well.
4 main features of the card:

1. extra year warranty on purchases
2. free car rental insurnace on rentals
3. 1% cash back non-tiered
4. no fees

Inferior to the Citibank Enrich Platinum Card which offers all of the above, but also adds 90-day protection against loss, theft, damage, AND price protection for 60 days.

EDIT: Woah, just noticed the date of the post - sorry if this is repeat information

[intelmic]

Inferior to the Citibank Enrich Platinum Card which offers all of the above, but also adds 90-day protection against loss, theft, damage, AND price protection for 60 days.



Is that one free also?

[angel_wing0]

Is that one free also?

yes...

[tng11]

So the general consensus is there's no fee? Has there been a documented case where people were charged $29?

I switched my no-rewards Preferred card to the Premier Rewards card last week and I just got the card today in the mail. The rep on the phone said there's no fee, and I said okay. But on the website it still says there's a $29 annual fee. This is a backup card I use maybe $2 a month on, so the annual fee would exceed how much I spend on the card a year!

[tomtomtom]

90-day protection against loss, theft, damage

I have asked about this. It is a rip-off :evil: My car was broken in a while back, lost a bluetooth ear piece. I called and they said I need to file a police report (cost 40ish bucks)

The bluetooth cost 20. WTF is the point?

I sucked it up in the end

[an0nymz]

I looked at the MBNA website, and it looks like they have two separate applications for the Premier Rewards, one listed under Popular (http://mbna.ca/popular_cardList.html) (no annual fee) and one under MBNA Rewards (http://mbna.ca/shopping_cardList.html) ($29). I don't see any difference between the two, is there?

[goneFishing]

https://wwwa.applyonlinenow.com/CACCapp/Ctl/entry?sc=bvkm&lc=en_CA

Another no fee rewards card from MBNA. Any thoughts ?

[najibs]

I have asked about this. It is a rip-off :evil: My car was broken in a while back, lost a bluetooth ear piece. I called and they said I need to file a police report (cost 40ish bucks)

The bluetooth cost 20. WTF is the point?

I sucked it up in the end

Well what the heck do you expect!? You have to have proof. Imagine if everyone could just call in and say "hey, my cell phone got stolen from my car, please pay for it." You'd have a lot of dishonest people calling in demanding free things that were never stolen.

[XcaliburZero]

Thanks OP! Just got my card today and upgraded it to the Premier Rewards Platinum!

[angel_wing0]

I looked at the MBNA website, and it looks like they have two separate applications for the Premier Rewards, one listed under Popular (http://mbna.ca/popular_cardList.html) (no annual fee) and one under MBNA Rewards (http://mbna.ca/shopping_cardList.html) ($29). I don't see any difference between the two, is there?

the first one is platinum, no cash back.

New design?! :eek:

https://wwwa.applyonlinenow.com/canada/babj-bhdz/images/gr_card.jpg

hmmm, time to call and get a new one :D

I wonder if the back is still the lousy red if indeed it is a new design.

[sweetjoy]

You must have a total household income of $35,000 or greater :(:(

[angel_wing0]

You must have a total household income of $35,000 or greater :(:(

if u call them to convert u dont have to...providing u already have a mbna card (usually university ones) for quite sometime.

[an0nymz]

the first one is platinum, no cash back.

It's not the Platinum. If you scroll down, it's the fourth one on the page (http://mbna.ca/popular_cardList.html) that also says PremierRewards with no anual fee:


PremierRewards®

* 1% back on all retail purchases‡
* Rewards automatically credited to your account once a year
* Generous credit line—up to $100,000
* Immediate cash access at 430,000 ABMs worldwide
* No annual fee

[angel_wing0]

It's not the Platinum. If you scroll down, it's the fourth one on the page (http://mbna.ca/popular_cardList.html) that also says PremierRewards with no anual fee:

Yes the first link he posted is the platinum with nothing else.

Platinum Plus®

Generous credit line—up to $100,000
Unparalleled 24/7 customer service
Purchase assurance and other valuable Platinum card benefits
Immediate cash access at 430,000 ABMs worldwide
No annual fee


or maybe i just mixed up with what he said, whatever :D

Yeah think i did, my bad :D

[an0nymz]

Yes the first link he posted is the platinum with nothing else.

or maybe i just mixed up with what he said, whatever :D

Yeah think i did, my bad :D

Yes, the first card on that page is the Platinum with no cash back, but when you scroll down a bit it's the Premier with 1% cash back and no annual fee. MBNA makes it confusing =)

[angel_wing0]

New design?! :eek:

https://wwwa.applyonlinenow.com/canada/babj-bhdz/images/gr_card.jpg

hmmm, time to call and get a new one :D

I wonder if the back is still the lousy red if indeed it is a new design.

did anyone get the card with the new design?!

[confused]

wow 20% interest is high is it not?

[angel_wing0]

cc usually charge 18-20%...

[acint]

just called and got the new card..will be getting it in 10days

[angel_wing0]

just called and got the new card..will be getting it in 10days

cool, pls scan it and see if it is the design i posted above.

[Psubs]

https://wwwa.applyonlinenow.com/CACCapp/Ctl/entry?sc=cabg&lc=en_CA#appapply

Screw my tiered Visa. :mad:

[AnthonyC18]

I think they just introduced $29 annual fee for the exact same card. So just got to make sure you don't get dinged for that.

Although if you go through certain links like the above mentioned, you can avoid that $29 fee for now.

[Psubs]

I think they just introduced $29 annual fee for the exact same card. So just got to make sure you don't get dinged for that.

Although if you go through certain links like the above mentioned, you can avoid that $29 fee for now.

I called. Mention the priority code CABG (got from the link I posted above) and the guy went through the particulars with no annual fee.

If you go through the links on the MBNA website and go to Rewards Cards, you get the card with the annual fee. If you go through the links and go to Popular Cards, you get the same card with no annual fee. :razz:

[angel_wing0]

https://wwwa.applyonlinenow.com/CACCapp/Ctl/entry?sc=cabg&lc=en_CA#appapply

Screw my tiered Visa. :mad:

visa has the worst cashback cards, either tiered or comes with annual fee.

[tng11]

cool, pls scan it and see if it is the design i posted above.

I got a replacement card today and it didn't look like that. In fact the card looks fake- the "Premier Rewards" writing is fuzzy and looks utterly pathetic.

[angel_wing0]

its the same card...which sucks, but oh well.

[felix]

Do you get a new card number when you switch? I think so but just checking.

Also I think you get a small hit on your credit report whenever you change to a different card (I subscribe to credit alert and I remember getting an inquiry when I changed my BMO mastercard to a different reward card).

[tng11]

Do you get a new card number when you switch? I think so but just checking.

Also I think you get a small hit on your credit report whenever you change to a different card (I subscribe to credit alert and I remember getting an inquiry when I changed my BMO mastercard to a different reward card).

I switched from a plain Preferred card with no rewards to the Premier Rewards in November, and it was really just a simple product change. I checked my credit last week and there was no hit, not even a soft hit. You aren't requesting a credit line increase so they're not going to check your report.

However, the card number does change if you do a product change. Hope that helps.

[sPiKyAZN]

https://wwwa.applyonlinenow.com/CACCapp/Ctl/entry?sc=cabg&lc=en_CA#appapply

Screw my tiered Visa. :mad:

Any idea if MBNA would be lax enough to grant the Premier Rewards Plat Plus to a student? lol

[tng11]

Any idea if MBNA would be lax enough to grant the Premier Rewards Plat Plus to a student? lol

If you can get a $5,000 limit then you'll get the Platinum Plus card. My original arrangement was I got my MBNA card when I turned 18 with a $1,000 limit. It got increased to $2,000 a few months later. In November I switched over to the Premier Rewards (but not Platinum). In December I asked for a credit line increase and was approved for $5,000 and at the same time I asked to be switched to the Platinum Plus and they said okay.

I am a 2nd year student. I think it's harder to get a $5,000 limit right off the bat, but you can silently ask for your limits to be increased by a few thousand each time, or they'll automatically raise your limits.

[markzs2001]

Any idea if MBNA would be lax enough to grant the Premier Rewards Plat Plus to a student? lol

yes i had the regular card (no rewards) for a month and called mbna to switch to the platinum plus premium rewards. This is the first credit card i ever had so they dont care about your credit rating. I only have a $1000 limit and my monthly interest is 9.99%


anybody have lower then 9.99%?

[sPiKyAZN]

Sweet I guess I'll give it a shot. Thanks guys.

EDIT: Just curious, any idea how long MBNA takes with their application process?

[liquidzyklon]

To sPiKyAZN, if you are referring to applications that you filled out at your university I believe those people mentioned something like 4-6 weeks.

To markzs2001 concerning the 9.99% interest. From time to time, MBNA will send out promotions for lower interest rate, I am on 8.99% (not much better).

To most students, there is a way to easily increase your credit limit but will result in more hard credit hits. Basically sign up for one or two MBNA credit cards every semester. Once the cards come in call MBNA and ask them to combine the new cards credit limit to your old limit. Voila, now you just got a $1000 credit increase.

But if you regularly use your MBNA card, your credit limit will automatically increase over the years.

I am still waiting for my Premier Rewards Platinum Plus card to come in from the mail.

[sPiKyAZN]

To sPiKyAZN, if you are referring to applications that you filled out at your university I believe those people mentioned something like 4-6 weeks.

To markzs2001 concerning the 9.99% interest. From time to time, MBNA will send out promotions for lower interest rate, I am on 8.99% (not much better).

To most students, there is a way to easily increase your credit limit but will result in more hard credit hits. Basically sign up for one or two MBNA credit cards every semester. Once the cards come in call MBNA and ask them to combine the new cards credit limit to your old limit. Voila, now you just got a $1000 credit increase.

But if you regularly use your MBNA card, your credit limit will automatically increase over the years.

I am still waiting for my Premier Rewards Platinum Plus card to come in from the mail.

Sorry I meant how long would my online application for the Premier Rewards Plat Plus to be approved? How long did it take you?

[tng11]

Sorry I meant how long would my online application for the Premier Rewards Plat Plus to be approved? How long did it take you?

It took me 6 weeks to get mine and I did the online application. At the time I was unemployed, just put student and zero income. I thought I was denied until one day the card mysteriously showed up. I think applying by phone is much faster from what I've heard.

The big beef I have with MBNA is they won't stop calling me offering balance protection and other rubbish like that. They also send me those freaking balance transfer cheques with every statement and twice every month in other letters. It's gotten very annoying.

[angel_wing0]

disable paper statements and only allow online statements, thats what i do ;)

[dmxlite]

Just surfing around GCR, and they have a rebate of 40.00 is earned when you apply for this card and upon first purchase made on your MBNA card.

Great for people who are applying for a new card (not switching cards). The link brings you to the no fee application.

[justlam_]

Just surfing around GCR, and they have a rebate of 40.00 is earned when you apply for this card and upon first purchase made on your MBNA card.

Great for people who are applying for a new card (not switching cards). The link brings you to the no fee application.

Which card gives you $40 free?

[angel_wing0]

cool just found out too, but oh well have it already :p

its for a bunch of mbna cc.

[tomtomtom]

If you can get a $5,000 limit then you'll get the Platinum Plus card. My original arrangement was I got my MBNA card when I turned 18 with a $1,000 limit. It got increased to $2,000 a few months later. In November I switched over to the Premier Rewards (but not Platinum). In December I asked for a credit line increase and was approved for $5,000 and at the same time I asked to be switched to the Platinum Plus and they said okay.

I am a 2nd year student. I think it's harder to get a $5,000 limit right off the bat, but you can silently ask for your limits to be increased by a few thousand each time, or they'll automatically raise your limits.

I have been told by my bank, reducing the limit on your credit cards can help reduce your credit risk. If you card is lost or stolen, the bank's loss on fraudulant transaction can be limited within the credit limit. Which makes sense.

I recently replace my visa card (From rbc to TD). TD rep. told me i was pre-approved for $10k. I told him to put me in for $500. He looked at me blankly, why?:lol:

I told him it is a backup card for my MBNA cashback M/c.
We have a cashback visa too. (their cashback is 0.5% for first 3k)

[angel_wing0]

i have a $500 limit for this card...:D

[7jai]

I'm currently on the no fee Worldpoints MBNA card. I've been using it for the past year already, so would it be easy for me to swtch?

[angel_wing0]

I'm currently on the no fee Worldpoints MBNA card. I've been using it for the past year already, so would it be easy for me to swtch?

yip, just call and they will switch. Make sure u are gfetting the no fee one.

[7jai]

yip, just call and they will switch. Make sure u are gfetting the no fee one.

So basically I would just threaten to quit my card? Or do you think I should just tell them that I'm looking for a new card, with 1% cash bak, platinum benefits + no annual fees etc..?

[angel_wing0]

So basically I would just threaten to quit my card? Or do you think I should just tell them that I'm looking for a new card, with 1% cash bak, platinum benefits + no annual fees etc..?

both will work. If they say they will go right ahead to cancel then just hang up on them and call again :D

[BoogieMan]

Just called in @ 1 am

start of call.

me: "hi i want to convert my (university) card to premier rewards platinum card"

Steve the CSR (Ottawa): "no problem I can do that for you right now, i'm gonna set you up with the one with no annual fee ... it's the one with 1% cash back ... (agreement statement) ... 10 days for new card to arrive"

end of call.

length of call: 2 mins 21 sec

[7jai]

Just called in @ 1 am

start of call.

me: "hi i want to convert my (university) card to premier rewards platinum card"

Steve the CSR (Ottawa): "no problem I can do that for you right now, i'm gonna set you up with the one with no annual fee ... it's the one with 1% cash back ... (agreement statement) ... 10 days for new card to arrive"

end of call.

length of call: 2 mins 21 sec


oh wow, nice stuff. I'm probably going to do it once i used up all my world points. I still have around 10k of worldpoints to redeem. i'm gnna do it after that! thanks for the advice!

[liquidzyklon]

New design?! :eek:

https://wwwa.applyonlinenow.com/canada/babj-bhdz/images/gr_card.jpg
I just got my Platinum Plus Premier Rewards card today. It basically looks like the this one (https://wwwa.applyonlinenow.com/CACCapp/Ctl/entry?sc=cabg&lc=en_CA) with a Platinum Plus vertical strip on the left of the card like this one. (https://wwwa.applyonlinenow.com/CACCapp/Ctl/entry?sc=bqzy&lc=en_CA) Where did you get that image for that nice design?

[Psubs]

I have been told by my bank, reducing the limit on your credit cards can help reduce your credit risk. If you card is lost or stolen, the bank's loss on fraudulant transaction can be limited within the credit limit. Which makes sense.

I recently replace my visa card (From rbc to TD). TD rep. told me i was pre-approved for $10k. I told him to put me in for $500. He looked at me blankly, why?:lol:

I told him it is a backup card for my MBNA cashback M/c.
We have a cashback visa too. (their cashback is 0.5% for first 3k)

Ya, just got this card and thinking of dumping that Rewards TD Visa. I'm thinking of switching to the Scotia Scene It Credit Card to get the 2 free movies right off the bat. :twisted:

[justlam_]

Just surfing around GCR, and they have a rebate of 40.00 is earned when you apply for this card and upon first purchase made on your MBNA card.

Great for people who are applying for a new card (not switching cards). The link brings you to the no fee application.

I just called and they said there isn't any card that gives $40 rebate on your first purchase:confused:

[angel_wing0]

I just got my Platinum Plus Premier Rewards card today. It basically looks like the this one (https://wwwa.applyonlinenow.com/CACCapp/Ctl/entry?sc=cabg&lc=en_CA) with a Platinum Plus vertical strip on the left of the card like this one. (https://wwwa.applyonlinenow.com/CACCapp/Ctl/entry?sc=bqzy&lc=en_CA) Where did you get that image for that nice design?

the one i posted before is the old design.

[iustim]

Just called in @ 1 am

start of call.

me: "hi i want to convert my (university) card to premier rewards platinum card"

Steve the CSR (Ottawa): "no problem I can do that for you right now, i'm gonna set you up with the one with no annual fee ... it's the one with 1% cash back ... (agreement statement) ... 10 days for new card to arrive"

end of call.

length of call: 2 mins 21 sec

I just called in as well. I got transferred to the retentions line, asked to cancel my credit card, requested for the 1% platinum benefits card, and they said 'yes, we have that card and let me set you up with that card'.

It was extremely easy, and took less than 5 mins.

Thanks everyone!

[brucele]

I cancelled my MBNA Platinum Plus Premium Rewards card last November and one week ago I received an offer in the mail from MBNA to reopen my account with them. Same card with the same benefits but instead of a 19.99% AIR, they lowered it down to 7.99%.

I called them to reopen my account and also negotiated the 7.99% to 6.99% AIR. This is not a promo AIR rate for x amount of months. This is the lifetime AIR.

Excellent rewards card with low AIR.. hard to beat.

YMMV trying to get this AIR

[sPiKyAZN]

Finally got my card, but it's the normal Premier Rewards card with only a $1500 limit, do you think they would upgrade me if I call in?

EDIT: Called in to activate card, opted to speak to a representative after activating it and then got switched to platinum plus no problem.

[angel_wing0]

Finally got my card, but it's the normal Premier Rewards card with only a $1500 limit, do you think they would upgrade me if I call in?

yeah very likely.

[etherboy]

It doesn't say anything about additional cards...

I want a card for my wife as well... or do we both signup separately I guess...

[angel_wing0]

It doesn't say anything about additional cards...

I want a card for my wife as well... or do we both signup separately I guess...

since it's a no annual fee card, pretty certain that additional cards are free.

[etherboy]

since it's a no annual fee card, pretty certain that additional cards are free.

I mean it didn't mention them in the application...

[ACC-Major]

I have the other card, world points with $29 annual fee waived.
I have placed a request for $500 by giving up 50,000 points and I still didn't receive the cheque for it yet. Must be due to the economical downturn. My first request back a year ago was $250 and I received the cheque only 1 week after placing the order.

[Mendes]

This card also comes with 2.99% on balance transfers for 12 Months. Deal must be taken within first 3 months of having the card.

Standard 1% BT Fee, was able to negotiate it to 0.5% without any issues at all.

Not a GREAT deal, but if you've got the card and need to do a BT, why not.

[hugewallet]

for the auto rental insurance of this card, does it cover vehicle loss or stolen during the rental period?

it only says "collision damage deductible coverage".

[Sprite_TM]

i am confused,

is there 3 cards?
premier rewards
premier rewards platinum
and premier rewards platinum plus??

[angel_wing0]

I mean it didn't mention them in the application...

..just call and ask :|

[Psubs]

i am confused,

is there 3 cards?
premier rewards
premier rewards platinum
and premier rewards platinum plus??

I have the Premier Rewards Platinum Plus. I just think that people don't feel like typing out all of the words each time. :|

[angel_wing0]

there's Premier Rewards, Premier Rewards Platinum Plus and Platinum Plus. And yes it's easy to get confused because of the names.

[kevlar]

I've applied for the Premier Rewards card through their website and I'm a bit confused. What's the difference between their Premier Rewards and Premier Rewards Platinum Plus? Are they both not 1% cashback?

[angel_wing0]

I've applied for the Premier Rewards card through their website and I'm a bit confused. What's the difference between their Premier Rewards and Premier Rewards Platinum Plus? Are they both not 1% cashback?

with the pr platinum plus u get platinum benefits like free rental car insurance.

[TWDM]

Basically what happens if you read the terms and conditions, is that you apply for the Premier Rewards Platinum Plus card and if they don't approve you for the platinum plus, they will approve you for the Premier Rewards Preferred.

That's what happened to me, and I just called in to switch without a problem.

[KENNETHK]

Converted my regular credit card to a Premier Rewards Platinum Plus as well. Just called customer service and asked to convert to Premier Rewards Platinum Plus. Thank you everyone. This card would come in handy when renting cars.

[strang]

I just got mine as well, although I just applied online. www.mbna.ca right now actually shows No Annual Fees for the Premier Rewards card.

A few questions though, I don't know if everyone's experienced this.

Did you guys get the CreditWise protection? Is it free if I don't carry a balance every month? Or is the 99 cents charged as soon as the average daily balance reaches $100?

No PayPass? I was a little disappointing not seeing it on my card.

What is up with the quality of the graphics on the card? Mine shows Premier Rewards kind of blurry. I bet you when I go traveling people are going to be reluctant to accept it because it looks kind of fake.

[mrdevil]

i am not 100% sure on this, correct me if i am wrong, but i believe it charges you as soon as you hit $100 on your balance.
eg
jan 1 purchase $80
jan 2 purchase $30 <- charge $0.99
jan 3 purchase 101 <- another charge of 0.99

and it gets totaled up at the end of the month
so your jan balance will be
$80 + $30 + $101 + $1.98

[envayed]

Random sidenote: I don't like the fact that the back of the card is red, it would look better if the whole card was gray.

[strang]

i am not 100% sure on this, correct me if i am wrong, but i believe it charges you as soon as you hit $100 on your balance.
eg
jan 1 purchase $80
jan 2 purchase $30 <- charge $0.99
jan 3 purchase 101 <- another charge of 0.99

and it gets totaled up at the end of the month
so your jan balance will be
$80 + $30 + $101 + $1.98

Eek, ok, canceling that option.

[Mendes]

I just got mine as well, although I just applied online. www.mbna.ca right now actually shows No Annual Fees for the Premier Rewards card.

A few questions though, I don't know if everyone's experienced this.

Did you guys get the CreditWise protection? Is it free if I don't carry a balance every month? Or is the 99 cents charged as soon as the average daily balance reaches $100?

No PayPass? I was a little disappointing not seeing it on my card.

What is up with the quality of the graphics on the card? Mine shows Premier Rewards kind of blurry. I bet you when I go traveling people are going to be reluctant to accept it because it looks kind of fake.

As for the CreditWise, I had them add it when i got the card, i then called to cancel when physically receiving the card and was offered creditwise for $0.49 per $100 without the job protection feature. So its definitely negotiable.

[sPiKyAZN]

I just got mine as well, although I just applied online. www.mbna.ca right now actually shows No Annual Fees for the Premier Rewards card.

A few questions though, I don't know if everyone's experienced this.

Did you guys get the CreditWise protection? Is it free if I don't carry a balance every month? Or is the 99 cents charged as soon as the average daily balance reaches $100?

No PayPass? I was a little disappointing not seeing it on my card.

What is up with the quality of the graphics on the card? Mine shows Premier Rewards kind of blurry. I bet you when I go traveling people are going to be reluctant to accept it because it looks kind of fake.

My vanilla premier rewards card looks like crap too. I hope the platinum plus one looks better.

I got signed up for CreditWise even though I'm pretty sure I did not opt-in for it since I don't believe in credit card insurance.

[strang]

My vanilla premier rewards card looks like crap too. I hope the platinum plus one looks better.

I got signed up for CreditWise even though I'm pretty sure I did not opt-in for it since I don't believe in credit card insurance.

The one I received is the Platinum Plus version and it looks cheapo. The actual Platinum Plus siding looks cool and slick. But the background picture of Premier Rewards, just simple letters, doesn't look like they were resized properly. It feels like resizing a picture in Photoshop without resampling it.

I do love how you can see temporary transactions online.

[sPiKyAZN]

The one I received is the Platinum Plus version and it looks cheapo. The actual Platinum Plus siding looks cool and slick. But the background picture of Premier Rewards, just simple letters, doesn't look like they were resized properly. It feels like resizing a picture in Photoshop without resampling it.

I do love how you can see temporary transactions online.

Ah that's a disappointment.

[angel_wing0]

Random sidenote: I don't like the fact that the back of the card is red, it would look better if the whole card was gray.

+1...i actually HATE it. The back is ugly.

[starchoice]

Why does anybody care what it looks like? It's a credit card!

[strang]

Because vendors may not accept it.

Looks like it's printed with a 10 year old press.

[Vertigo]

Seriously, the card really is ugly - front and back. >.<

Ah, well. Since my NBC Ultramar card isn't what it used to be, I don't really have a choice.

[starchoice]

Because vendors may not accept it.

Looks like it's printed with a 10 year old press.

Had mine for years with no problem.

Complain when you have a problem!

[starchoice]

Seriously, the card really is ugly - front and back. >.<



There are literally tons of cards out there, even multiple cards offered by the same issuing bank.

Find yourself a pretty card.

[tomtomtom]

There are literally tons of cards out there, even multiple cards offered by the same issuing bank.

Find yourself a pretty card.

None of them look pretty.:lol:

I actually joked to a MBNA rep, saying your card services are great, but your cards look ugly! (she said, "i know") hahahaha

I was at a leafs game last week, I saw a middle age suit guy using a Green Amex card. I looked at it for a few seconds. WOW, those cards still exist?

I have been with MBNA since 2001, none of their cards look good ever.

[etherboy]

Applied...

Hope I get Platinum Plus...

[angel_wing0]

Why does anybody care what it looks like? It's a credit card!

just being nitpicky ;)

[Vertigo]

There are literally tons of cards out there, even multiple cards offered by the same issuing bank.

Find yourself a pretty card.

There's another no fee, non-tiered & no limit 1% cashback, platinum card out there? Orly?

[I2icky]

None of them look pretty.:lol:

I actually joked to a MBNA rep, saying your card services are great, but your cards look ugly! (she said, "i know") hahahaha

I was at a leafs game last week, I saw a middle age suit guy using a Green Amex card. I looked at it for a few seconds. WOW, those cards still exist?

I have been with MBNA since 2001, none of their cards look good ever.

Yes, they exist. They are the regular charge card. I have one through my company, but i've never used.

[angel_wing0]

There's another no fee, non-tiered & no limit 1% cashback, platinum card out there? Orly?

citi enrich platinum...thou the cashback limit is 500 i believe. Close enough :D

[Sprite_TM]

the card looks hideous, ugly, the "premier reward" word looks so pixelated. my old sony card looks so much better.

[boyoflondon]

citi enrich platinum...thou the cashback limit is 500 i believe. Close enough :D

Cap on platinum is $50k or $500 in rewards per year / $25k or $250 in rewards for a normal Enrich.


the card looks hideous, ugly, the "premier reward" word looks so pixelated. my old sony card looks so much better.

Who cares what it looks like? As long as it has a purpose/benefits, looks are useless unless you are one of those 'flashy' individuals looking for products that make you feel 'high class'.

[evoviii]

I got mine indirectly when I cancelled my prestige line of credit and they rolled over that into the premier rewards platinum.

I never even got a chance to use it since they gave me a BT offer right away. So now I got 16k until this Jan.

Looking real hard at Scotia momentum. If nothing else I have my PCF for time being until BT is up

[ACC-Major]

anyone know another credit card that offers more than 1% cash back? I mean, I don't mind a little annual fee.

[Sprite_TM]

Cap on platinum is $50k or $500 in rewards per year / $25k or $250 in rewards for a normal Enrich.



Who cares what it looks like? As long as it has a purpose/benefits, looks are useless unless you are one of those 'flashy' individuals looking for products that make you feel 'high class'.

if i was a retailer, i would think this is a fake card from a bad print job. i've never seen a card done so poorly before.

[trallen]

Be careful they don't try to stick you with Card Insurance -- I have had this card for at least 8 or 9 months, then magically "Insurance" popped up on my card at a rate of 1% of my expendatures ($0.99 for every $100 spent) -- basically eliminating my rewards. All you have to do is call them and have them remove it (hopefully before your 1 month "free trial" expires or else you'll be paying). The insurance is rediculous anyways -- if you lose your job or can't work due to some injury, they will pay your *minimum* monthly payment -- essentially racking up huge amounts of interest on your card.

I'm not sure how they can add features without permission to someone's card which cost said person money, but they sure did.

[intelmic]

if i was a retailer, i would think this is a fake card from a bad print job. i've never seen a card done so poorly before.

I really don't get what people are complaning about?!

My card shows a silver strip on left side with Platinum Plus written.

Premier Rewards written on center top.
And a big R on the background which do not look pixelated at all!

[intelmic]

I really don't get what people are complaning about?!

My card shows a silver strip on left side with Platinum Plus written.

Premier Rewards written on center top.
And a big R on the background which do not look pixelated at all!

Exactly like this:

http://img255.imageshack.us/img255/5236/card01nv0.jpg
It looks good

[wiebecj]

if i was a retailer, i would think this is a fake card from a bad print job. i've never seen a card done so poorly before.

Mine looks perfectly fine - i actually like the red back :-) Red is my favourite colour though.

[angel_wing0]

Exactly like this:

http://img255.imageshack.us/img255/5236/card01nv0.jpg
It looks good

Yip...when u look at it up close. Take a pic of the back :D

[RFD_Paul]

and....

So many of us also have the 2% cash back amex gold which "beats" your ultramar card, but so what?

I don't see this as an Amex offering. Link?

[WhatADeal!]

How is this card any different from PC Mastercard? I thought it's also 1% cashback. The only difference I see is platinum. Any benefits if I don't rent car often?

[angel_wing0]

I don't see this as an Amex offering. Link?

amex doesnt offer it anymore.

[hugewallet]

just called in telling them i would like to upgrade my current MBNA card to this premier rewards card. Done in one minute.

Anybody with a current MBNA card can call in to have the upgrade.

[HBP]

Not sure if this was mentioned before, but I just applied for the Premier Rewards card through GCR to get $40 extra! I'll upgrade it once I get the card :)

Probably only for new applications. Good thing I cancelled my University card years ago.

[sweetvar26]

Hey Guys, i did call a few days back about the Platinum Upgrade and i was told by the CSR that there is a new card that will be coming out in a week, forgot what it is called but it would have a 3% cashback on gas and groceries but 1% cashback on your other expenses.

She said i could either wait for a week to get that new card or i can just switch to the platinum status now, so i was like yeah i will wait for a week and get the new card instead.

I have been using the MBNA card for the past 5 years, hope this will help some of you guys out.

[nsd]

"Plus" as in 4% on groceries and gas ? Don't think that's what you meant, but it would be sweet :D.

[sweetvar26]

"Plus" as in 4% on groceries and gas ? Don't think that's what you meant, but it would be sweet :D.

Its actually 3% on gas and groceries but 1% on the rest.

Hope that is clear.

[fhofho]

I called MBNA on the March 31 to close my Primer Reward account half an hour before midnight; the rep offer me the new MBNA Smart Cash card. He said that it is new (start on April 1, 2009) and it is not on the web yet.

This card offers 3% cash back on Gas and groceries; 1% on normal purchase. In stead of sending out rebate cheque on every January on the Premier Reward card, this card send out rebate cheque whenever rebate dollar reach $50.

In additional to my cancelation of my card, the retention rep offered me 5% cash back on Gas and groceries on the first 6 months.

[wiebecj]

I called MBNA on the March 31 to close my Primer Reward account half an hour before midnight; the rep offer me the new MBNA Smart Cash card. He said that it is new (start on April 1, 2009) and it is not on the web yet.

This card offers 3% cash back on Gas and groceries; 1% on normal purchase. In stead of sending out rebate cheque on every January on the Premier Reward card, this card send out rebate cheque whenever rebate dollar reach $50.

In additional to my cancelation of my card, the retention rep offered me 5% cash back on Gas and groceries on the first 6 months.

Do you know if this card also provides extended warranty and rental car insurance?

[fhofho]

Do you know if this card also provides extended warranty and rental car insurance?

I think so but I cannot confirm until I receive my new card and the information booklet.

[skyc280]

I called MBNA on the March 31 to close my Primer Reward account half an hour before midnight; the rep offer me the new MBNA Smart Cash card. He said that it is new (start on April 1, 2009) and it is not on the web yet.

This card offers 3% cash back on Gas and groceries; 1% on normal purchase. In stead of sending out rebate cheque on every January on the Premier Reward card, this card send out rebate cheque whenever rebate dollar reach $50.

In additional to my cancelation of my card, the retention rep offered me 5% cash back on Gas and groceries on the first 6 months.

is there annual fee for this card?

[digdeep]

is there annual fee for this card?

Just spent 3 minutes on the phone with MBNA rep to convert my current MBNA Premier Rewards Platinum Plus to the new Smart Cash card.

I asked twice and got confirmed twice :lol:

It is a Platinum card. No annual fee FOREVER (not just waived in the 1st year).

Points earned so far will be forfeited when convert to the new card.

Promotional rate 5% rebate on GAS and GROCERIES (registered gas, grocery business: Loblow, Safeway, etc.., Walmart, Canadian Tire are NOT) on first 6 months up to $600 per month, after that it is 1%.

After 6 months, regular rate is 3% rebate for the first $600 per month and after $600 it is 1%.

All other purchases are 1% rebate.

Also the interest rate for the new Smart Cash Card is 13.9% compared to 19.9% for the PRP+. I was offered the new rate automatically without negotiation.


Everything else and all the purks are the same as Premier Rewards Platinum Plus including $1M travel accidental insurance, collision waivers etc...

So basically getting more rebate for the Gas and Grocery and get cash back more frequently which is good.


More details will be updated when I receive the welcome package in 10 days.

Hope this helps.

[checm8]

Just spent 3 minutes on the phone with MBNA rep to convert my current MBNA Premier Rewards Platinum Plus to the new Smart Cash card.

I asked twice and got confirmed twice :lol:

It is a Platinum card. No annual fee FOREVER (not just waived in the 1st year).

Points earned so far will be forfeited when convert to the new card.

Promotional rate 5% rebate on GAS and GROCERIES (registered gas, grocery business: Loblow, Safeway, etc.., Walmart, Canadian Tire are NOT) on first 6 months up to $600 per month, after that it is 1%.

After 6 months, regular rate is 3% rebate for the first $600 per month and after $600 it is 1%.

All other purchases are 1% rebate.


Everything else and all the purks are the same as Premier Rewards Platinum Plus including $1M travel accidental insurance, collision vavers etc...

So basically getting more rebate for the Gas and Grocery and get cash back more frequently which is good.


More details will be updated when I receive the welcome package in 10 days.

Hope this helps.

So how do you apply for this new smart card, couldnt find it in their website, just call and ask for it, btw I dont have any mbna cards :confused:

[Terrific_Deals2k8]

Wow, looks like a very HOT/TEMPTING deal. Too bad I already have 3 credit cards, lol... I might have to cancel my BMO Mosiak and switch over to the new MBNA Smart Cash Card. :-) Or should I go with the MBNA SPG??

So MBNA has Premier Rewards, SPG, and Smart Cash? Wow! Nice!

[angel_wing0]

damn now i want to convert as well now.

[angel_wing0]

took the bite and converted my preimer rewards to that, nice :D thanks for the update.

EDIT: i hope the new smart cash card looks better than the prp+.

[hugewallet]

OMG, i just converted my regular platinum plus to a premier rewards card and still waiting for the welcome package. Can I call in to upgrade again? Will they be mad?:razz:

[wiebecj]

bah, i have over $100 in rewards that'll be forfeited on my current card. Don't think it's worth it for me to change yet....

[angel_wing0]

bah, i have over $100 in rewards that'll be forfeited on my current card. Don't think it's worth it for me to change yet....

indeed. Not worth it if u currently have $ in rewards.

[Bazooka Joe]

Just spent 3 minutes on the phone with MBNA rep to convert my current MBNA Premier Rewards Platinum Plus to the new Smart Cash card.

I asked twice and got confirmed twice :lol:

It is a Platinum card. No annual fee FOREVER (not just waived in the 1st year).

Points earned so far will be forfeited when convert to the new card.

Promotional rate 5% rebate on GAS and GROCERIES (registered gas, grocery business: Loblow, Safeway, etc.., Walmart, Canadian Tire are NOT) on first 6 months up to $600 per month, after that it is 1%.

After 6 months, regular rate is 3% rebate for the first $600 per month and after $600 it is 1%.

All other purchases are 1% rebate.


Everything else and all the purks are the same as Premier Rewards Platinum Plus including $1M travel accidental insurance, collision vavers etc...

So basically getting more rebate for the Gas and Grocery and get cash back more frequently which is good.


More details will be updated when I receive the welcome package in 10 days.

Hope this helps.

Is that $600/month rebate (spending $12k/month), or $600/month spending ($30/month rebate)?

[digdeep]

Is that $600/month rebate (spending $12k/month), or $600/month spending ($30/month rebate)?

As far as my understanding, it should be $600 spending. Will you spend $12K in Grocery and Gas per month?

Believe this is to cap people sharing the card. Or for people spending a lot in Gas (for example, Taxi Driver :razz:)

[HBP]

What am I losing by changing from PRPP to this new card? I know the grocery, gas thing is a benefit, but I save on gas in another way, and don't purchase the groceries. Need to see if it's worth it to switch.

[angel_wing0]

What am I losing by changing from PRPP to this new card? I know the grocery, gas thing is a benefit, but I save on gas in another way, and don't purchase the groceries. Need to see if it's worth it to switch.

u'll lose the current cashback u earned on the prp+. Else everything is upgraded.

[aksher]

I called MBNA on the March 31 to close my Primer Reward account half an hour before midnight; the rep offer me the new MBNA Smart Cash card. He said that it is new (start on April 1, 2009) and it is not on the web yet.

This card offers 3% cash back on Gas and groceries; 1% on normal purchase. In stead of sending out rebate cheque on every January on the Premier Reward card, this card send out rebate cheque whenever rebate dollar reach $50.

In additional to my cancelation of my card, the retention rep offered me 5% cash back on Gas and groceries on the first 6 months.

I have an old MBNA CAA MC that I rarely use, and was thinking of closing it anyways. Does anyone know if you can only upgrade from the Premier Rewards MC or can it be from any MBNA MC?

[sPiKyAZN]

Mannnnn I just got my PRP+ this week. When you guys called in to switch did you ask for the "Smart Cash Mastercard" or is there a special "Smart Cash Platinum Plus Mastercard"?

[sweetvar26]

Mannnnn I just got my PRP+ this week. When you guys called in to switch did you ask for the "Smart Cash Mastercard" or is there a special "Smart Cash Platinum Plus Mastercard"?

Well the whole Platinum thing is just a status, all you will have to do is just upgrade it. So you can do it on your current card or any other card you apply for even if it is not listed on the website.

Just call them and ask for the Smart Cash Card with Platinum Status on it and you are good to go!

[HBP]

u'll lose the current cashback u earned on the prp+. Else everything is upgraded.

Do the platinum cards have price protection?

[Oblivious]

I called in to cancel my MBNA Master Card too since I wanted to switch to PC Financial and they offered me the same deal. However, I'm hearing different things about what the actual deal is. Here's what I've gathered from two separate calls with different representatives:

For the first six months, you get 5% cash back when you spend your credit card on any grocery or gas station (1% on any other purchases), up to a maximum cash back of $600 spent per month. After the six months, you get 3% cash back when you spend your credit card on any grocery or gas station (1% on any other purchases), up to a maximum cash back of $600 spent per month. Cash back is paid monthly when you meet $50 in cash-back savings.

What differs from the other poster is this:
I didn't hear anything about the 1% after you max your $600 quota...but I think it's true since the representative did say something about if you have $149 in redemption dollars, you'd get $100 back. There's no way to obtain a redemption balance of $149 anyway unless this condition holds true.

[Oblivious]

I also asked MBNA if they plan to implement a system to track your redemption dollars, similar to PC Financial's PC Points (http://www.pcpoints.ca/en/index.asp). What I've heard is they don't have one at the moment and they don't intend to, which is a big let-down since I often want to confirm that I am in fact getting the redemption that I am entitled to.

[Oblivious]

So how do you apply for this new smart card, couldnt find it in their website, just call and ask for it, btw I dont have any mbna cards :confused:

I believe this is only an incentive to people who want to cancel their cards...I was just fortunate enough that the day I finally decided to cancel (I'd been clearing out my account for a month before and had it empty for a while...never got around to calling in) they had JUST started this promotion literally on the same day. The representative I spoke with said that MBNA had specifically created this to counter PC Financial's MC.

However, you can try calling in and when prompted to choose from the list of options, choose to speak with a representative. This person will NOT be from customer retention, but they never asked me for my MBNA CC number so I think you can just say "I'd like to cancel my MBNA card". They'll then redirect you to customer retention where you can be honest with them and tell them that you don't have a card, but you in fact want to consider something else different from the PC Financial Card. Judging from the enthusiasm I got from both representatives, I don't think this is a problem - they'd be more than happy to start you an account provided you have a reasonable credit history.

HTH

[digdeep]

Do the platinum cards have price protection?

Not for MBNA.

Only the Citi Enrich Platinum (I have this along with 2% AMEX too) has this perk. But computer hardwares are exampt from Price Protection. :cry:

[Devatox]

I called MBNA a couple of minutes ago to speak to a rep about the new Smart Cash card. He mentioned the interest rate on it is 13 or 13.9 % (Didn't write it down, I'm a numbskull, yay). FYI - Unsure if it's negotiable, I didn't attempt to negotiate.

[digdeep]

I called MBNA a couple of minutes ago to speak to a rep about the new Smart Cash card. He mentioned the interest rate on it is 13 or 13.9 % (Didn't write it down, I'm a numbskull, yay). FYI - Unsure if it's negotiable, I didn't attempt to negotiate.


Yes, forgot mention this.

It was 19.9% for PRP+. The Rep said she need to change my rate to 13.9% first before converting the card to Smart Cash Card.

Seems it is a complementary rate offer for the new card !

[sweetvar26]

Yes, forgot mention this.

It was 19.9% for PRP+. The Rep said she need to change my rate to 13.9% first before converting the card to Smart Cash Card.

Seems it is a complementary rate offer for the new card !

So that 13.9% is only for the first few months or is it for a longer time? That could help me because i am going to call them again and negotiate for this deal.

Thanks.

[digdeep]

So that 13.9% is only for the first few months or is it for a longer time? That could help me because i am going to call them again and negotiate for this deal.

Thanks.


Permanent rate. I was offered this rate without even knowing this.

But I always pay off my balance so don't really care. Don't know whether it is related to the offer though.

But I got a call from Canadian Tire MasterCard offer me 10.9% last month. I didn't take it since I don't use it anymore.

13.9% looks like an offer to counter others in ther market.

[fliime]

does anyone know....
1) do you need to have a premier rewards card in order to get the smart cash card, or can you just apply for it without having a PRC?

Thanks

[Yumeji]

However, you can try calling in and when prompted to choose from the list of options, choose to speak with a representative. This person will NOT be from customer retention, but they never asked me for my MBNA CC number so I think you can just say "I'd like to cancel my MBNA card". They'll then redirect you to customer retention where you can be honest with them and tell them that you don't have a card, but you in fact want to consider something else different from the PC Financial Card. Judging from the enthusiasm I got from both representatives, I don't think this is a problem - they'd be more than happy to start you an account provided you have a reasonable credit history.
Has this worked for anyone so far? >.>

[angel_wing0]

does anyone know....
1) do you need to have a premier rewards card in order to get the smart cash card, or can you just apply for it without having a PRC?

Thanks

u can apply...but it has to be thru the phone since its not avaliable online yet.

[abashail]

How? Which numbers, etc.? I keep calling to apply for a card, and getting India where they know nothing about this card.

[checm8]

gud lord i have been on phone with mbna for almost 15 minutes, buggers dont have a clue about what I am talking about, its as if they have never heard about smart cash card

[wongster05]

Never had a MBNA card before, called this morning and got the Smart Cash MC approved over the phone, no annual fees, sweet.

[checm8]

finally got it,but it took me like 30 minutes and some 5 csr's, cant blame them, they r not aware of a card like this

[Vertigo]

finally got it,but it took me like 30 minutes and some 5 csr's, cant blame them, they r not aware of a card like this

Guess I got lucky - first rep I spoke to knew about it and immediately switched me over from the ppr+.

[nohead]

I guess I got lucky too. The first french rep I talked to know about the new card and switched it!

[jiepie]

what gas companies and grocery stores do it include?

i need to know no-frills, wal-mart and T&T are on the list.

[djino]

what gas companies and grocery stores do it include?

i need to know no-frills, wal-mart and T&T are on the list.

No-Frills - YES
Wal-Mart - NO (they are not a grocery store even - yes I know they have a grocery section

not sure what T&T is.

djino

[angel_wing0]

what gas companies and grocery stores do it include?

i need to know no-frills, wal-mart and T&T are on the list.

T&T is a grocery store afaik, but i think u really should confirm with the rep.

[coldpower27]

No-Frills - YES
Wal-Mart - NO (they are not a grocery store even - yes I know they have a grocery section

not sure what T&T is.

djino

I assume all the Grocery Primaries? Like not Sell All types like Costco

So are these included:
No Frills
Price Chipper
Food Basics

Loblaws
Sobeys
Metro

Longos
T&T (Chinese SuperMarket Type Place)

Zellers/Walmart are likely not

For gas..which are included?
Sunoco
Petro Canada
Esso
Shell

[MtX]

What's the difference between Premium Rewards and Premium Rewards Platinum Plus?

[casperr]

What's the difference between Premium Rewards and Premium Rewards Platinum Plus?

Here is the comparison

http://mbna.ca/credit_comparecards.html

[Azenha]

the MBNA card also has the extended warranty feature as well.
4 main features of the card:

1. extra year warranty on purchases
2. free car rental insurnace on rentals
3. 1% cash back non-tiered
4. no fees

Citi Enrich Platinum card is still better. You get everything mentioned above, plus:

5. Travel Accident and Baggage delay insurance
6. Price protection on purchases (they refund you the difference if you find what you've purchased somewhere else for less with 30 days).

I've had this card for quite a number of years. However, I can't seem to find the card listed on the CitiBank web site. I was only able to find the regular Enrich MC. Maybe you need to call in as a previous poster suggested in order to apply for it.

If you can get it, the Citi Enrich Platinum is far better

[Octavius]

Citi Enrich Platinum card is still better. You get everything mentioned above, plus:

5. Travel Accident and Baggage delay insurance
6. Price protection on purchases (they refund you the difference if you find what you've purchased somewhere else for less with 30 days).

I've had this card for quite a number of years. However, I can't seem to find the card listed on the CitiBank web site. I was only able to find the regular Enrich MC. Maybe you need to call in as a previous poster suggested in order to apply for it.

If you can get it, the Citi Enrich Platinum is far better

Really? As far as I can tell, the ONLY thing that the MBNA card doesn't have that the Enrich has is price protection.

The insurance and coverage appears to far exceed what Enrich Platinum covers - both in free insurance options and in the amount of coverage.

[fliime]

u can apply...but it has to be thru the phone since its not avaliable online yet.

thanks

[elty]

I already has the 1.99% life time card, if I apply for this card will MBNA try to screw me by "upgrading" me?

[student]

I just get the Citi Enrich Platinum last month. Should I apply for the smart cash card? Would I be taking a credit rating hit if I do?

[jiepie]

I already has the 1.99% life time card, if I apply for this card will MBNA try to screw me by "upgrading" me?

why do people care about the interest rate ? just pay off the balance when the bill arrives. learn to live within your limit..

[Devatox]

I already has the 1.99% life time card, if I apply for this card will MBNA try to screw me by "upgrading" me?

Yes, the interest rate will change if you get a Premium Rewards or Smart Cash Card.

[Devatox]

why do people care about the interest rate ? just pay off the balance when the bill arrives. learn to live within your limit..

People care about the interest rate because they carry balances, or might forsee carrying balances. Get off your high horse and quit dispensing credit advice to someone that didn't ask for it.

[angel_wing0]

Should I apply for the smart cash card? Would I be taking a credit rating hit if I do?

Obivously yes...

[elty]

why do people care about the interest rate ? just pay off the balance when the bill arrives. learn to live within your limit..

Because I can get higher interest on interest than 1.99% on BT? 2.5% > 1.99% is not complicated math is it?



Yes, the interest rate will change if you get a Premium Rewards or Smart Cash Card.


So instead of issuing me a new card (ie second card), they will just screw me by replacing the existing card (therefore ending the 1.99%)?

[skyc280]

so is the smart cash card a replacement for premier rewards or are both separate cards? kind of hard to tell when people are discussing smart cash in the premier rewards card thread

[djino]

instead of issuing me a new card (ie second card), they will just screw me by replacing the existing card (therefore ending the 1.99%)?

No they wont. If you just call and apply, without telling them you wish to convert, they will create a new account (assuming they are able to extend more credit to you above 'n beyond what they've given to you already - ie, credit hit to determine how much more credit you can get).

If they say, sorry, we've extended the maximum amount of credit to you. At that point, your option is to move whatever credit you have available from the existing account to the new account.

djino
"make sense"

[djino]

so is the smart cash card a replacement for premier rewards or are both separate cards? kind of hard to tell when people are discussing smart cash in the premier rewards card thread

separate

djino

[acekiller]

just called in an completed my application

no luck on the first try, the lady kept saying asking for the promo code. Then she gave me another number to call when I said I had a MBNA account a long time ago. (18888766262)

dialed that number, it asked for ur mbna account num. I didn't have mine.. so i kept waiting, after a min or so, it will ask if you want to apply for a new card. choose that, and a card manager will pick up. And that's where I got my Smart Cash card done.

[Oblivious]

so is the smart cash card a replacement for premier rewards or are both separate cards? kind of hard to tell when people are discussing smart cash in the premier rewards card thread

From what I was told, the Smart Cash card will eventually replace the Premier Rewards Card. I'm not sure if this is true or not though...

[coldpower27]

just called in an completed my application

no luck on the first try, the lady kept saying asking for the promo code. Then she gave me another number to call when I said I had a MBNA account a long time ago. (18888766262)

dialed that number, it asked for ur mbna account num. I didn't have mine.. so i kept waiting, after a min or so, it will ask if you want to apply for a new card. choose that, and a card manager will pick up. And that's where I got my Smart Cash card done.

I will try that tomorrow when they are up and running.

[Oblivious]

I will try that tomorrow when they are up and running.

They're actually open 24/7, but I'm not sure which departments are specifically open. Worth a shot to call now in the evening to avoid waiting in queue.

[GreatWong]

One thing you guys should keep in mind when saying this card is superior to the Scotia Momentum: The momentum gets 3% from all your reoccurring bills (cellphone bills, cable bills, internet, etc.) that you put on it, while I don't think that works for the smart cash.

Oh well, got my smart card anyway. Always good to have both Visa and MasterCard handy :)

[angel_wing0]

...The momentum gets 3% from all your reoccurring bills (cellphone bills, cable bills, internet, etc.) that you put on it, while I don't think that works for the smart cash.

no it's 2% iirc.

[acekiller]

One thing you guys should keep in mind when saying this card is superior to the Scotia Momentum: The momentum gets 3% from all your reoccurring bills (cellphone bills, cable bills, internet, etc.) that you put on it, while I don't think that works for the smart cash.

Oh well, got my smart card anyway. Always good to have both Visa and MasterCard handy :)

Scotia card need $39 annual fee...

[babu928]

I just talked to a customer representative and they switched me to this "Smart Cash Card" no problem. This is what they offered me:

5% back on groceries and gas for the first 6 months (max $600/month)
3% back on groceries and gas thereafter (max $600/month)
1% back on everything else, or if exceeds $600/month
13.99% annual interest
no annual fee

My question is, which grocery store do i have to go to and which gas station?
I usually shop at Superstore or Safeway, and I get my gas @ Chevron. Am I covered? Thanks!

[coldpower27]

They're actually open 24/7, but I'm not sure which departments are specifically open. Worth a shot to call now in the evening to avoid waiting in queue.

I tried already, they are only open till 9pm Mon-Thurs...

[angel_wing0]

I just talked to a customer representative and they switched me to this "Smart Cash Card" no problem. This is what they offered me:

5% back on groceries and gas for the first 6 months (max $600/month)
3% back on groceries and gas thereafter (max $600/month)
1% back on everything else, or if exceeds $600/month
13.99% annual interest
no annual fee

My question is, which grocery store do i have to go to and which gas station?
I usually shop at Superstore or Safeway, and I get my gas @ Chevron. Am I covered? Thanks!

i think those are covered. But u should confirm with a rep and ask them to send u a list, that's what i m going to do tmr.

[JUnit]

bah, i have over $100 in rewards that'll be forfeited on my current card. Don't think it's worth it for me to change yet....

I called to upgrade my premier rewards platinum plus card, and like some others here, I was told that I would lose my accumulated rebate. So rather than doing a straight upgrade of the card (or applying from scratch), I transferred most of my credit limit to the new smart cash card. After the rebate on the PRPP card is paid, I will likely consolidate the cards.

[coldpower27]

just called in an completed my application

no luck on the first try, the lady kept saying asking for the promo code. Then she gave me another number to call when I said I had a MBNA account a long time ago. (18888766262)

dialed that number, it asked for ur mbna account num. I didn't have mine.. so i kept waiting, after a min or so, it will ask if you want to apply for a new card. choose that, and a card manager will pick up. And that's where I got my Smart Cash card done.

I tried calling them and they have no idea what I am talking about or keep asking me for the promo code for it.

[coldpower27]

Third time is the charm got approved immediately!!!

[7jai]

I just called a few minutes ago (around 8:50pm) - and exchanged my MBNA Worldpoints card to the MBNA Smart Cash Card with no hassles or issues.

Only takes 10 mins, and poof done. Thanks to the person who posted this deal :)

[Oblivious]

I tried already, they are only open till 9pm Mon-Thurs...

I called 11:30PM EST and they were able to help me. In fact, I recall the representative saying they have rotational shifts and that he'd be back 4AM EST.

[emeraldchick]

does anyone know if the Smart Cash card also gives a 3% rebate at pharmacies? For Scotia's, there's a 2% for things from drugstores

[djino]

does anyone know if the Smart Cash card also gives a 3% rebate at pharmacies? For Scotia's, there's a 2% for things from drugstores

From the all of us that applied for it, we may need to wait until someone has received their Card / Account Terms&Conditions material in the mail and then post it on here for others.

Basically as far as I can see, there is no hard/soft copy from MBNA explaining the details of this Account, its only from word of mouth from MBNA Reps (so no one can say for sure if a certain retail store would qualify for the 3%).

djino

[coldpower27]

I called 11:30PM EST and they were able to help me. In fact, I recall the representative saying they have rotational shifts and that he'd be back 4AM EST.

Well, I dunno, when I called I got a answering machine.

[jmgk]

Does anyone know if there is a required income for this smart cash card? I am a student and I want to attempt to apply, do you think I will encounter any problems?

[djino]

Does anyone know if there is a required income for this smart cash card? I am a student and I want to attempt to apply, do you think I will encounter any problems?

The only thing you can do is try. The credit they give you depends on your credit history / income.

djino

[angel_wing0]

Does anyone know if there is a required income for this smart cash card?

Good question actually...

[Inno]

These are the feature i need! Time to cancel all my CIBC/RBC card!

What happens to all your Avion miles?

[jmgk]

Does anyone know if there is a required income for this smart cash card? I am a student and I want to attempt to apply, do you think I will encounter any problems?

Okay, I called and they said because my rent was higher than my average income (which is pretty much nothing as a student) that my application probably wouldn't go through.

I will probably wait for a month or so until I start working earning an income so that my application doesn't look so poor. Although right now I do have a Visa with $5200 in credit on it. I don't know much about credit but I wonder if that amount of credit from Visa would help me get a card.

[djino]

Okay, I called and they said because my rent was higher than my average income (which is pretty much nothing as a student) that my application probably wouldn't go through.

I will probably wait for a month or so until I start working earning an income so that my application doesn't look so poor. Although right now I do have a Visa with $5200 in credit on it. I don't know much about credit but I wonder if that amount of credit from Visa would help me get a card.

Yes and No.

The credit visa has given you = No - Not Applicable
The credit used on visa = Perhaps - Effects your overall Credit Score
The credit history with visa = Yes, The longer the better (with no late payments)
Your Income = Yes, The higher the better

djino

[jmgk]

Yes and No.

The credit visa has given you = No - Not Applicable
The credit used on visa = Perhaps - Effects your overall Credit Score
The credit history with visa = Yes, The longer the better (with no late payments)
Your Income = Yes, The higher the better

djino

Good to know. Thanks djino.

[clintfca]

Got approved for the Platinum Plus Starwood Preferred MC a month ago and then caught sight of this thread.

Went to cancel and after repeating twice what I wanted (platinum, 1% cash, no annual fee) csr was able to do it on the spot.

The guy talked really fast and I think I heard he switched the card over to a 'premier' 1% cashback. My question is, have people been getting a 'platinum' 1% or 'premier' 1% or are they the same thing?

Thanks for the clarification in advance.

[skyc280]

Got approved for the Platinum Plus Starwood Preferred MC a month ago and then caught sight of this thread.

Went to cancel and after repeating twice what I wanted (platinum, 1% cash, no annual fee) csr was able to do it on the spot.

The guy talked really fast and I think I heard he switched the card over to a 'premier' 1% cashback. My question is, have people been getting a 'platinum' 1% or 'premier' 1% or are they the same thing?

Thanks for the clarification in advance.

if u want the 1% the premier plus platinum is 1%
if u want the 3% back on gas/groceries + 1% everything else, u want the smart cash

[md7899]

That being said though, I've got the Citi Enrich Platinum as a backup to my 2% AMEX Gold Cash Back card and I love it.

Jam packed with features, no fees. My only complaint is that it pays out once a year (like MOST other cash back cards)

How do you get the 2% AMEX Gold cash back card?

[najibs]

How do you get the 2% AMEX Gold cash back card?

You can't. Not available anymore :razz:

[Crowbarfoot]

How do you get the 2% AMEX Gold cash back card?

Don't think it's available anymore. There was a huge thread on it here.

[md7899]

Ok,thanks Crowbarfoot and najibs.

Does anyone know if the Premier/Platinum card and the Smart Cash card gives you the cashback at the end of the year or is it automatically credited to your account each month?

Thanks.

[angel_wing0]

Ok,thanks Crowbarfoot and najibs.

Does anyone know if the Premier/Platinum card and the Smart Cash card gives you the cashback at the end of the year or is it automatically credited to your account each month?

Thanks.

you can request a cheque once your cashback hits $50.

[experiment437]

you can request a cheque once your cashback hits $50.

looking at a printed monthly statement, how do you know how much cashback you've accumulated so far?

also, is it worth it to create a login account on the mbna site? the last thing i need is another password to remember.

[angel_wing0]

looking at a printed monthly statement, how do you know how much cashback you've accumulated so far?

also, is it worth it to create a login account on the mbna site? the last thing i need is another password to remember.

it will be show online.

yes.

[WhatADeal!]

Still trying to figure out why this thread seems to be so popular? It's only 1% cashback. You can get the same with PC Mastercard. Is the only additional benefit being car rental insurance? :confused:

[GeneralDisaray]

Still trying to figure out why this thread seems to be so popular? It's only 1% cashback. You can get the same with PC Mastercard. Is the only additional benefit being car rental insurance? :confused:

i didnt know that the pc mastercard awarded 1% cashback....i thought they just gives pc points?

also, lately people have been talking about the 3% groceries and gas, 1% retail cashback card called the Smart Cash card...i rarely buy groceries and dont have a car, so its pretty much worthless for me to switch from the platinum rewards card.

[sPiKyAZN]

Still trying to figure out why this thread seems to be so popular? It's only 1% cashback. You can get the same with PC Mastercard. Is the only additional benefit being car rental insurance? :confused:

There's also travel insurance, purchase protection and warranty extension plus a few other small things. Most people are moving on to the MBNA Smart Cash which does everything the PRP+ and gives 3% cash back for groceries and gas.

Maybe OP should change the title and first post since the PRP+ is a bit irrelevant now that the Smart Cash has been released.

[md7899]

i didnt know that the pc mastercard awarded 1% cashback....i thought they just gives pc points?

Me too, as far as I know you just get PC points with the PC Mastercard and you can only redeem them at the Loblaws chain.

[Lucius97]

Still trying to figure out why this thread seems to be so popular? It's only 1% cashback. You can get the same with PC Mastercard. Is the only additional benefit being car rental insurance? http://www.******************/img/v/I.gif

don't most credit cards nowadays come with car rental insurance anyways,...

[leehyunggyun]

I just have a question about the Car Rental Insurance included in the PRPP.

After going though their "Guide to coverage", the MasterRental only covers for the rental car & parts and the passengers in the car.

It says "This coverage does not provide any form of third party automobile property damage."

My question is, don't I need to get a 3rd party insurance? Do I need to get it from my car insurance company? or is there another way?

Which credit card do you use for renting a car for a trip?



Thanks in advance,


Mike.

[bhupeshg]

I just have a question about the Car Rental Insurance included in the PRPP.

After going though their "Guide to coverage", the MasterRental only covers for the rental car & parts and the passengers in the car.

It says "This coverage does not provide any form of third party automobile property damage."

My question is, don't I need to get a 3rd party insurance? Do I need to get it from my car insurance company? or is there another way?

Which credit card do you use for renting a car for a trip?



Thanks in advance,


Mike.



Usually third party is free with the rental car... i know for sure Avis and Hertz include it...im not 100% sure about the others

[angel_wing0]

don't most credit cards nowadays come with car rental insurance anyways,...

platinum ones do usually...

[Raphael__N]

Not sure if this has been asked before. But I do have question:

1) Can you pay rent and/or utility+phone bills with a credit card? If so, is there a surcharge for this?

If that is the case, I can be getting quite a lot of cashback with this card :)

[angel_wing0]

Not sure if this has been asked before. But I do have question:

1) Can you pay rent and/or utility+phone bills with a credit card? If so, is there a surcharge for this?

If that is the case, I can be getting quite a lot of cashback with this card :)

afaik, u cannot pay util with a cc, but phone bills, yes. And rent, depends on your landlord. But mostly, no.

[kubrat]

Does anyone know if there is a required income for this smart cash card? I am a student and I want to attempt to apply, do you think I will encounter any problems?

I am a student and I was upgraded from premier rewards np.

[coldpower27]

Got my Smart Cash Card!!

[xerox]

Got my Smart Cash Card!!

please post details...

like which gas stations and grocery stores are included in the 3% rebate..

[HBP]

please post details...

like which gas stations and grocery stores are included in the 3% rebate..

Included in Finance thread. Check the OP.

[coldpower27]

please post details...

like which gas stations and grocery stores are included in the 3% rebate..

This link has the information you need.

http://www.redflagdeals.com/forums/showpost.php?p=8587299&postcount=411

[leehyunggyun]

Hello, I've received the card and read over the terms and conditions about their car rental LDW (loss/damage waiver etc..)

Everything seems ok, but there is no coverage for 3rd party liability.

Let say if I happen to get into an accident and the other guys car is damaged, is there any coverage from this card? or should I use my own drivers' insurance to cover the damages?

It seems like all the rental car coverages don't mention about 3rd party liability and I was wondering what you guys usually do when you rent a car.

Any advices would be appreciated!

Thanks,

Mike.

[starchoice]

None of the cards provide third party coverage. When you rent a vehicle, you only buy CDW for physical damage. The rental company carries third party coverage. Outside Canada, it varies and you should arrange coverage with your own company for non-owned auto liability.

[angel_wing0]

Got my Smart Cash Card!!

i got mine today..FINALLY.

[Justice_Chris]

I received my smart cash CC yesterday and I wanted to thank all of you that posted this promotion here. It was how I became aware of such a CC existing.

Called up MBNA customer service and after 5 mins on the phone they had approved the new credit card -I already had an account with them though, just switched CC type.

Until now CIBC Dividend CC was the one I used most however, these benefits with smart cash are greatly superior to the Dividend.

Thanks again guys.

[Roadrunnr]

Justice_Chris, you should call CIBC Visa to cancel the card... they will then try to convince you to keep the account open by giving you a $50 credit! :)

[Morphius]

Just got my smart card in the mail today :D It's even got the pay pass so I've got no reason to keep my existing mastercard anymore.

Thanks RFD!! This was one awesome find.

Roadrunnr - does CIBC do that for all their VISA cards, I've got a classic card with them which I haven't used in a long time. Do you think they'll offer me that as well?

[zero_]

is there any difficulties in obtaining this smart cash card without any previous business with mbna?

[angel_wing0]

is there any difficulties in obtaining this smart cash card without any previous business with mbna?

no, just call in and said u want to apply for the smart cash card.

[ykshum]

I just called 18888766262 as a new customer and was transferred over to new application department (I believe it's an Indian based location). They stated that they do not have the Smart Cash card promotion and gave me the 18888766262 again.. I called again and they were about to transfer me over until I explained I was already transferred once.. he said he needs to transfer me elsewhere but will make sure it works this time. I got a different waiting voice after being transferred and a Canadian sounding guy picked up this time and was able to submit the application for me.

To save you some time, you might want to call 18888766262 straight up and tell them that the regular new application department told you that they didn't have that promotion..

The card detail is the same as everyone posted so far.

[cordio]

To save you some time, you might want to call 18888766262 straight up and tell them that the regular new application department told you that they didn't have that promotion..

I tried calling that number but was only given the option to enter my current account number by their automated service. Decided to call the number on their website, 1.877.862.7759 (http://www.mbna.ca/contact_cards.html#apply). The rep I got asked if I got the Smart Cash card offer in the mail, I told him I got a Platinum Plus offer in the mail but was more interested in the Smart Cash card. Was put on hold for about 3 minutes. When the rep returned he processed my order for the Smart Cash card.

[lokyee]

After a whole 2 weeks, I finally got my Smart Cash Card!

The card design looks kinda tacky though...

[angel_wing0]

much better than the prp+ imo...

[Cheetar]

I just called to 'convert' an old and mostly unused MBNA card to a Smart Cash and it took about 10 minutes. Thanks OP :)

I have a few questions though.

I'm not sure whether the rep mentionned the Smart Cash Platinum Plus card, I'm wondering if it was only Smart Cash without the Platinum Plus. Is the Smart Cash card a Platinum Plus card by default or is that a different card with added perks? If my card ends up being a Smart Cash without the Platinum Plus part, can I just call to upgrade it to Platinum Plus or is it more complicated than that?

I'm sorry if those questions have been asked and answered already but I haven't found an answer after a few searches.

[angel_wing0]

its smart cash platinum plus..there's only one. Saying smart cash only is the same thing.

[Cheetar]

its smart cash platinum plus..there's only one. Saying smart cash only is the same thing.

Ok thanks!

[Khran]

Never been with MBNA. Called in and told them I want the Smart Cash card and I got it with no issues.

These are the details that I got:
13.99%
1.99% for first 10 months
1% cash back on all purchases
5% cash back on gas + groceries up to max of 600$ a month (so 30$ a month max credit)
All Platinum Plus Benefits

[angel_wing0]

5% cash back on gas + groceries up to max of 600$ a month (so 30$ a month max credit)

It's only 5% for the first 6 months, 3% after...

[fhofho]

Received my first cheque! :)$50:) It is actually issued by COVERDELL CANADA/MEMBERWORKS CANADA CORPORATION

Possibly, Smart Cash Master Card is one of the MemberWorks program like ATHOME!

[4play]

From the all of us that applied for it, we may need to wait until someone has received their Card / Account Terms&Conditions material in the mail and then post it on here for others.


Full details already posted:
http://www.redflagdeals.com/forums/showthread.php?t=722828

[Midav]

Applied by phone w/o problem.

[pnyknights]

Full details already posted:
http://www.redflagdeals.com/forums/showthread.php?t=722828

How about we just keep all the Smart Cash related post (app, CB?'s, merchant codes etc) it the SC thread where it belows? :)

Let's just let this thread slowly dwindle and die down as it is clearly now obsolete :D

[ykshum]

I just got a call from MBNA about my smart card being approved (after a little over a month) and got a very unclear/fast speaking lady telling me about the terms of the card and such. She informed me about some 99 cents per every $100 insurance thing.. do any of you know what this is about? I was annoyed after telling her to repeat and just decided to read the welcome package myself as I can cancel within a month with no fee. But someone's short explaination might be easier to understand then a X pages long booklet.

btw, I'm also a student and wasn't a customer prior to the Smart Cash application and it worked fine (I did however say I have co-op money)

[angel_wing0]

How about we just keep all the Smart Cash related post (app, CB?'s, merchant codes etc) it the SC thread where it belows? :)

Let's just let this thread slowly dwindle and die down as it is clearly now obsolete :D

+1...or at least edit the thread title :D

[bluetroll]

i called in sometime last week and i received my card in the mail today.

i just dumped my amex air miles platinum and bmo mosaik air miles silver cards.

Thanks!

[KillaB]

Does anyone know which card has the better value....this one, or the new BMO Airmiles 1/$20 card.

I typically use the Amex Gold for most everything, but still need a MC for businesses that don't accept Amex.

[JohnB]

This is a solid card, Im happy I got it.

The only bad thing is that they call you every 2nd week about something...

Are you happy with the card
Do you want to include job-loss protection
Do you want to add a second user
Do you want to transfer any accounts
Do you want some 1.9% cheques
Etc.....

I say no to everything all the time, then they just call back and ask again next week, LOL.

[ykshum]

I didn't get any calls =P

I actually havn't used my card yet, newbie question.. how do you guys pay the bill? do they just mail it to you? I'm with CIBC normally and just do it online..

[LankyD]

I didn't get any calls =P

I actually havn't used my card yet, newbie question.. how do you guys pay the bill? do they just mail it to you? I'm with CIBC normally and just do it online..

Just set up MNBA Canada as your payee. Use the number on your credit card as an account number. If you want to make sure, call MNBA and ask them. Good luck.

[XcaliburZero]

This is a solid card, Im happy I got it.

The only bad thing is that they call you every 2nd week about something...

Are you happy with the card
Do you want to include job-loss protection
Do you want to add a second user
Do you want to transfer any accounts
Do you want some 1.9% cheques
Etc.....

I say no to everything all the time, then they just call back and ask again next week, LOL.

ya i got so annoyed that i flipped out one day.... turns out if u ask nicely they will stop calling lol

[ponytail]

How with no annual fee?


SUP.

Go get the Amex 2% card.

[angel_wing0]

How with no annual fee?

u cant.

[OldSchoolBob]

I prefer the scotia momentum card, it might be 39$ a year
but 2% cashback on groceries, gas, pharmacy and recurring bills plus 1% on everything else
the 2% is to a max back of 500 but the 1% isnt capped also, i earn that 40$ back after 2000 spending, which i get in gas a year easily.

[angel_wing0]

smart cash > momentum.

[GameAddict]

agreed

[mrdevil]

I prefer the scotia momentum card, it might be 39$ a year
but 2% cashback on groceries, gas, pharmacy and recurring bills plus 1% on everything else.

The cash back is 5% on groceries, gas, pharmacy and recurring bills for the first 6 months then after that i believe is 3% which is still better than momentum

[angel_wing0]

the only good thing is there is no monthly limit on the momentum, or is there :D

[fruzmatik]

She informed me about some 99 cents per every $100 insurance thing.. do any of you know what this is about? I was annoyed after telling her to repeat and just decided to read the welcome package myself as I can cancel within a month with no fee. But someone's short explaination might be easier to understand then a X pages long booklet.


You pay 99 cents for every $100 of your average daily balance if you do not pay in full every month. If you lose your job they will make you minimum payments for you up to a certain amount. But I would stay away from all those loss of income insurance type products, unless you never carry a balance.

[scoop]

even thou they make minimum payments for u, u still incur interest at 19.99% per annum (or whatever your rate is) = xxxx.

Many people would take great offense to this comparison. Might want to edit and rethink your words before posting...

[angel_wing0]

Many people would take great offense to this comparison. Might want to edit and rethink your words before posting...

sorry if i offended u or anyone but i don't mean anything rude.

[scoop]

sorry if i offended u or anyone but i don't mean anything rude.

you didnt offend me. But you will offend others who have been forced to endure rape. Equating being raped to having to pay interest on a credit card is asinine.

[fruzmatik]

you didnt offend me. But you will offend others who have been forced to endure rape. Equating being raped to having to pay interest on a credit card is asinine.

I think everyone needs to relax a little bit....

[pnyknights]

The cash back is 5% on groceries, gas, pharmacy and recurring bills for the first 6 months then after that i believe is 3% which is still better than momentum

6 month 5% promo on the SC is only for gas and groceries, then it goes back to the regular 3%. SC only gets the 5/3% rate on gas and groceries (NOT pharmacy, bills, etc), everything else is 1%

[pompoco]

You pay 99 cents for every $100 of your average daily balance if you do not pay in full every month. If you lose your job they will make you minimum payments for you up to a certain amount. But I would stay away from all those loss of income insurance type products, unless you never carry a balance.

But even if you pay of your balance every month the "insurance fee" starts summing up from the day ofyour purchase...
Example: you bought something midway through your statements for $300
even though you pay off your invoice right after receiving you still pay ca. 1.50 for your "insurance" ont htat if you card balance is maybe $1000 then you pay ca. $5.00 and if you wait to pay until the due date you pay $3.00 or respective $10.00 for the "Insurance" even if you pay your balance of in full. Thats an eassy way to lull you into a "fee" card on a no fee CC :mad:
I testsed it with amex and canceled after the first month after i found out that the "insurance fee" is calculated on your daily balance...
I pay my cards of in full so that i don't have any extra cost... and keep a good rating if I wanted service like that you can get better with fee based CCs.
That same applies to other CCs like MBNA, Desjardins, Scotia etc..
when they phone you just ask at what point the balance calculation for the insurance starts and how it is billed.

[no1r3]

long thread.

quick question, considering a CC at MBNA...
can I pay off an MBNA mastercard (shoppers optimum) online through my bank (TD or CIBC)? I don't have an MBNA chequing account (nor do I plan to open one) and I when browsing the website, online payment/bills didn't seem to be an option . The only options I saw were paper (too much of a hassle), preauth debit, and western union.

Also, are there any fees/charges that I should be aware of before applying for a credit card at MBNA?

thanks.

[angel_wing0]

you didnt offend me. But you will offend others who have been forced to endure rape. Equating being raped to having to pay interest on a credit card is asinine.


I think everyone needs to relax a little bit....

well we are relaxed, no flames going on, well not yet --*

[angel_wing0]

6 month 5% promo on the SC is only for gas and groceries, then it goes back to the regular 3%. SC only gets the 5/3% rate on gas and groceries (NOT pharmacy, bills, etc), everything else is 1%

+1. The trick to go thru that is to buy gc at gas/grocery stores.

[dpolites]

long thread.

quick question, considering a CC at MBNA...
can I pay off an MBNA mastercard (shoppers optimum) online through my bank (TD or CIBC)? I don't have an MBNA chequing account (nor do I plan to open one) and I when browsing the website, online payment/bills didn't seem to be an option . The only options I saw were paper (too much of a hassle), preauth debit, and western union.

Also, are there any fees/charges that I should be aware of before applying for a credit card at MBNA?

thanks.

Yes, MBNA is a payment option with most banks on their bill payment websites. MBNA seems to be the only one that has a fee to do a balance transfer (1%, altho you can usually negotiate on the phone for less). Aside from that I don't know of any other regular fees.

[loggerbomb]

Argh!

Another deal I have tried to get and been denied. I called a while ago and asked very nicely for a card that had no fee and gave me cash back. I already have a MBNA gold card with a 7.99% rate. They said I would have to pay a fee to get anything better than that.
Do you guys just hang up and call again if they call your bluff?

[blahblehblah]

Argh!

Another deal I have tried to get and been denied. I called a while ago and asked very nicely for a card that had no fee and gave me cash back. I already have a MBNA gold card with a 7.99% rate. They said I would have to pay a fee to get anything better than that.
Do you guys just hang up and call again if they call your bluff?

Lol i cannot imagine they would deny you. Did you specifically mention smart cash card?

I mean they are giving these away like hotcakes to new clients (i myself was one) but they ask you for a promo code which i think is in this thread. If you give them all the info, they should be able to upgrade your card or give you a new card. If not, just cancel your existing and call in as a new client demanding the smart cash card :lol:

[desertdeal]

I think i will try to apply for the smart card, have they refuse anyone in here..... anyone out there knows the promo code......Is this offer still open?

EDIT: Just saw angel wing's post with the code.....

[fruzmatik]

I think i will try to apply for the smart card, have they refuse anyone in here..... anyone out there knows the promo code......Is this offer still open?

EDIT: Just saw angel wing's post with the code.....


Can't find the code, can someone point me in the right direction....? :D

[chronos]

Can't find the code, can someone point me in the right direction....? :D

According to this (http://www.milliondollarjourney.com/mbna-smart-cash-credit-card-the-new-cash-back-king.htm) the code is CGLE.

I just called MBNA (1-800-347-6262) and asked to apply for the Smart Cash card. I didn't quote a code nor did they ask for one. I got transferred to someone who processed the application, gave me a reference number and said I should find out in 7-10 days. I'll call back in a few days for an update.

I believe they're offering 1.99% balance transfers as well (for how long, I'm not sure - he was mumbling so I couldn't really understand him) :p

[fruzmatik]

According to this (http://www.milliondollarjourney.com/mbna-smart-cash-credit-card-the-new-cash-back-king.htm) the code is CGLE.

I just called MBNA (1-800-347-6262) and asked to apply for the Smart Cash card. I didn't quote a code nor did they ask for one. I got transferred to someone who processed the application, gave me a reference number and said I should find out in 7-10 days. I'll call back in a few days for an update.

I believe they're offering 1.99% balance transfers as well (for how long, I'm not sure - he was mumbling so I couldn't really understand him) :p

Thanks!

[pnyknights]

+1. The trick to go thru that is to buy gc at gas/grocery stores.

+1 The best ones, IHMO, are to get GC for more food places (Jack Astor's Boston Pizza etc) or services (iTunes, Ticketmaster). That way you won't be sacrificing the warranty and other platinum benefits by using the GC.

[angel_wing0]

well or gas gc, love them :D

[lee_rich]

Thanks for sharing the deal on Smart Cash card. I finally got my first credit card :D and I'm super happy with it

[Bugler]

I applied for the PP first through GCR because I was hoping for the rebate..

It's been a few weeks now.. I wonder how long it takes before they do something.. with all the junk mail MBNA has mailed me over the years, you'd think they'd be excited that I finally responded to something from them.. but no.

[angel_wing0]

I applied for the PP first through GCR because I was hoping for the rebate..

It's been a few weeks now.. I wonder how long it takes before they do something.. with all the junk mail MBNA has mailed me over the years, you'd think they'd be excited that I finally responded to something from them.. but no.

well u have to call in, else it will take a long time.

[nizmo_gtr]

Just received my new card in the mail today.
After getting it activated, the CSR told me that yesterday was the last day for this card, that this card no longer exists. I got my card activated however it sounds like they won't be accepting any new applications.

For those that were pondering about signing up for this card, it might be too late?

[angel_wing0]

you talking about the smart cash or prp+?

[isthatallugot]

it is too late for the Smart Cash one - I just tried 30 min ago and said I was too late.

[angel_wing0]

it is too late for the Smart Cash one - I just tried 30 min ago and said I was too late.

thats a shock.

[isthatallugot]

thats a shock.

sarcasm? lol

[angel_wing0]

sarcasm? lol

no, try to call another rep and see.

[wutdadealio]

uh I just ordered one maybe 5 hours ago. It shouldnt be expired.

[angel_wing0]

uh I just ordered one maybe 5 hours ago. It shouldnt be expired.

yip, he just got a bad rep and made a big deal out of it.

[Bmonk]

Called to apply for the Smart Cash card but was told that it is no longer offered.

He also explained that they are expecting a revamp in the next month.

Weak.

[Jon Lai]

Called to apply for the Smart Cash card but was told that it is no longer offered.

He also explained that they are expecting a revamp in the next month.

Weak.

Sounds like BS... what kind of revamp?

BTW Smart cash is now on the mbna website so I don't see how that's a valid claim...

[angel_wing0]

Called to apply for the Smart Cash card but was told that it is no longer offered.

He also explained that they are expecting a revamp in the next month.

Weak.
call another rep. It should be avaliable.

[Bmonk]

Sounds like BS... what kind of revamp?

BTW Smart cash is now on the mbna website so I don't see how that's a valid claim...

He didn't specify.

Can you please link me to the location of the card on the website? I can't seem to find it.

Thanks

[runeash]

revamp? so people already got theirs, they will change all the good stuff (e.g cashback,..), that will suck



Called to apply for the Smart Cash card but was told that it is no longer offered.

He also explained that they are expecting a revamp in the next month.

Weak.

[angel_wing0]

He didn't specify.

Can you please link me to the location of the card on the website? I can't seem to find it.

Thanks

check the op.

http://www.redflagdeals.com/forums/showthread.php?t=722828

[Mimo]

Sounds like BS... what kind of revamp?

BTW Smart cash is now on the mbna website so I don't see how that's a valid claim...

I checked the website. I can't find it, its not there. Can you give me a link? Thanks

[angel_wing0]

I checked the website. I can't find it, its not there. Can you give me a link? Thanks

strange, it's not on the mbna site anymore...

[Bmonk]

I called again and got a different rep.

When I asked for the Smart Cash card she asked if I had an application. I told her I did not, and her response was "then we do not offer it as of Thursday... unless you have an application."

I said "Well... I have the code."

She asked for the code, I gave it to her, and she processed the application.

[angel_wing0]

hmmm, then we have to start calling india if thats the case..they probably havent gotten the info yet :twisted:

[DpX]

just called and had my spg card converted to smart cash. no problems. no codes asked. took 2 minutes

[pnyknights]

I'm getting confused....can we keep at the smart cash card talk in its OWN thread please? Thanks....

[angel_wing0]

I'm getting confused....can we keep at the smart cash card talk in its OWN thread please? Thanks....

not everyone goes to the finance forum sadly~ lol

[pnyknights]

not everyone goes to the finance forum sadly~ lol

hmmm I thought I (this thread) was in the finance forums.....@.@

[c001m4n]

just called and had my spg card converted to smart cash. no problems. no codes asked. took 2 minutes

I just called and she told me I can't switch to the smart cash card from my premier rewards card, but I can apply for it???
Has anyone tried to switch their MBNA card recently and succeeded?

[robinto]

Called to apply for the Smart Cash card but was told that it is no longer offered.

He also explained that they are expecting a revamp in the next month.

Weak.

+1
Too late too bad.
For Shoppers Optimum, you'll get $25 credit for the first time use.

[angel_wing0]

I just called and she told me I can't switch to the smart cash card from my premier rewards card, but I can apply for it???
Has anyone tried to switch their MBNA card recently and succeeded?

just call again...u'll be able to get it.

[wonders123]

I just called in today and got it switched.. I was just with the preferred card previously though. I called to cancel, which I really wanted to.. and that was the first thing they offered

[angel_wing0]

the card is actually avaliable to apply now, so it's not going for sure.

[fyuno83]

On the website, smart cash platinum card already has $0 annual fee.
What's the reason to get a simple one and call in and get to retention center to get that card?
I think I'm getting something wrong here:confused:

[angel_wing0]

On the website, smart cash platinum card already has $0 annual fee.
What's the reason to get a simple one and call in and get to retention center to get that card?
I think I'm getting something wrong here:confused:

it was just on the website probably a few days ago. It was not avaliable on the website before.

[fyuno83]

it was just on the website probably a few days ago. It was not avaliable on the website before.

Ah I see.
Thanks for clarifying it!:razz:

[angel_wing0]

np, go to the link below for more info:

http://www.redflagdeals.com/forums/showthread.php?t=722828