Jerry's Mega Thread of Credit Cards Q&A
I want to start a Summary of all GOOD Credit Card offers, so nobody has to look too hard
2019/9/9 Please check out the Thread Summary/Wiki for all current deals, please edit if they're incorrect/outdated
Ground Rules
- None of the links are Referral links, so please, don't post any referral links. Some deals are better only via referral links, you can find those links from family/friend/ask a RFD'er/Google
- GCR = www.GCR.ca, their links are blocked by RFD so please Google it. In general, RFD source code = CAqD7. GCR source code = NTrSD
- I'll try to update it monthly, it's work in progress, and I'll try to link to relevant RFD threads if possible
- Let me know any feedbacks or comments
Card-Related Comments
- They're GOOD in my opinion for the WELCOME bonuses (e.g. I should get at least $200+ value), not necessarily good for everyone or daily usage. It also means I will NOT list EVERY card out there (like AMEX SimplyCash or Scotia Momentum)
- You should have decent credit score (700+) and income ($60,000+)
- If you are "churning" the same card (cancel & re-apply), I recommend minimum waiting period of 6 months. I know some do it 3 months, but YMMV. Also, I also suggest holding the card at least 6 months (some say that's when it becomes R1 status in your Credit Report, which looks better than R0, but who knows)
Good for Travel (In my opinion)
Aeroplan 101
For anyone who needs some help on Aeroplan, please read below links as a start
FAQ: How to Save Money/YQ on Aeroplan Europe/Asia redemptions - FlyerTalk Forums
Churning Canada Resource & Info Megathread : churningcanada/reddit
https://www.reddit.com/r/churningcanada/
Avion/American Express/Other partners to Aeroplan/BA/AA point transfer promo history
http://forums.redflagdeals.com/avion-am ... y-1138250/
2019/9/9 Please check out the Thread Summary/Wiki for all current deals, please edit if they're incorrect/outdated
Ground Rules
- None of the links are Referral links, so please, don't post any referral links. Some deals are better only via referral links, you can find those links from family/friend/ask a RFD'er/Google
- GCR = www.GCR.ca, their links are blocked by RFD so please Google it. In general, RFD source code = CAqD7. GCR source code = NTrSD
- I'll try to update it monthly, it's work in progress, and I'll try to link to relevant RFD threads if possible
- Let me know any feedbacks or comments
Card-Related Comments
- They're GOOD in my opinion for the WELCOME bonuses (e.g. I should get at least $200+ value), not necessarily good for everyone or daily usage. It also means I will NOT list EVERY card out there (like AMEX SimplyCash or Scotia Momentum)
- You should have decent credit score (700+) and income ($60,000+)
- If you are "churning" the same card (cancel & re-apply), I recommend minimum waiting period of 6 months. I know some do it 3 months, but YMMV. Also, I also suggest holding the card at least 6 months (some say that's when it becomes R1 status in your Credit Report, which looks better than R0, but who knows)
Good for Travel (In my opinion)
- AMEX Gold
- BMO World Elite
- TD First Class Travel
- AMEX Platinum/Business Platinum - for its lounge benefits
Aeroplan 101
For anyone who needs some help on Aeroplan, please read below links as a start
FAQ: How to Save Money/YQ on Aeroplan Europe/Asia redemptions - FlyerTalk Forums
Churning Canada Resource & Info Megathread : churningcanada/reddit
https://www.reddit.com/r/churningcanada/
Avion/American Express/Other partners to Aeroplan/BA/AA point transfer promo history
http://forums.redflagdeals.com/avion-am ... y-1138250/
Last edited by jerryhung on Jan 18th, 2022 2:26 am, edited 123 times in total.