Jerry's Mega Thread of Credit Cards Q&A
- Last Updated:
- Mar 26th, 2024 8:35 pm
Tags:
- SCORE+405
- nostore
- Newbie
- Feb 26, 2015
- 96 posts
- 56 upvotes
- Montreal, QC
- jerryhung [OP]
- Deal Expert
- Sep 19, 2004
- 26763 posts
- 9333 upvotes
- where I belong
This link still works (and this is the one I applied in Jan and got 50K points)
http://www.marriottrewards.com/cdnelitedm (redirects to here: https://lp12.marriottpremier.ca/?JOBNUM=VMR1207059)
http://www.marriottrewards.com/cdnelitedm (redirects to here: https://lp12.marriottpremier.ca/?JOBNUM=VMR1207059)
Which Credit Cards to sign up? >> Jerry's Mega Thread of Credit Cards Q&A
- Newman26
- Deal Addict
- Dec 5, 2008
- 1432 posts
- 114 upvotes
Ok so I called and spoke to a rep. who stated if I applied and the 50,000 bonus points was in the link I clicked to apply then I should get that. I guess I will have to just wait till the card comes and use it to see how much points I will get.
- bestjsg
- Deal Addict
- Jul 24, 2003
- 1420 posts
- 85 upvotes
perfect timing, thank you !
my CIBC aeroplan visa is due for renewal fee April, I have cancelled all my AMEX and TD aero, slowly apply for all of them again and plan for our next trip...
my CIBC aeroplan visa is due for renewal fee April, I have cancelled all my AMEX and TD aero, slowly apply for all of them again and plan for our next trip...
Thank you in advance for your help !
- LostInTruth
- Deal Guru
- Nov 30, 2009
- 12178 posts
- 603 upvotes
- Toronto
Awesome, thanks OP!
- bballstuffer
- Jr. Member
- Feb 21, 2008
- 137 posts
- 12 upvotes
Does that work? I thought if you are a return customer you won't get the bonus points when signing up?
- bestjsg
- Deal Addict
- Jul 24, 2003
- 1420 posts
- 85 upvotes
Amex has been working great for us, we referred each other amongst some friends , cancel , reapply etc , in about 1.5 yrs we got 4 tickets flying to Asia this summer (300,000 points)... at one point I had two identical cibc aeroplan visa at the same time... I think as long as you don't Mind the credit hit on your file , it is worth it.bballstuffer wrote: ↑Does that work? I thought if you are a return customer you won't get the bonus points when signing up?
Thank you in advance for your help !
- jdu0ng
- Deal Addict
- Feb 9, 2013
- 1912 posts
- 1314 upvotes
- Mississauga
Does applying for a credit card, then cancelling it after FYF hurt your credit score? I am planning on applying the TD Aeroplan.
- g.henderson
- Sr. Member
- Sep 29, 2007
- 515 posts
- 196 upvotes
- Toronto
Great thread!
Would be interested to know which ones are churnable vs ones that only give bonus points once.
Would be interested to know which ones are churnable vs ones that only give bonus points once.
- Speedy1
- Deal Fanatic
- Jun 29, 2007
- 6041 posts
- 2751 upvotes
- Vancouver
The link page from your rewards online page depends whether you are a basic level o silver level rewards member.
My wife is silver and her page shows 50k pts. I am basic and my page shows 30k pts. I didn't apply using the link on my rewards online page. I applied using another link showing 50k pts. I should get 50k pts and will know for sure in a few weeks when I get my 1st statement.
- Cjohnson202
- Deal Addict
- Aug 20, 2008
- 3215 posts
- 1264 upvotes
- Ajax
How about the Westjet Elite RBC Mastercard?
$100 annual fee but you get free checked bags ($50 value per return flight), $250 welcome bonus in Westjet dollars and a $99 companion flight per year. I think that's great value that keeps on giving each year
$100 annual fee but you get free checked bags ($50 value per return flight), $250 welcome bonus in Westjet dollars and a $99 companion flight per year. I think that's great value that keeps on giving each year
- Jon Lai
- Deal Expert
- May 30, 2005
- 49009 posts
- 10302 upvotes
- Richmond Hill
Only problem is you're forced to fly with WestJetCjohnson202 wrote: ↑How about the Westjet Elite RBC Mastercard?
$100 annual fee but you get free checked bags ($50 value per return flight), $250 welcome bonus in Westjet dollars and a $99 companion flight per year. I think that's great value that keeps on giving each year
- masoud100
- Deal Addict
- Nov 26, 2011
- 2184 posts
- 252 upvotes
- Ottawa
What does it mean by $99 companion flight per year?Cjohnson202 wrote: ↑How about the Westjet Elite RBC Mastercard?
$100 annual fee but you get free checked bags ($50 value per return flight), $250 welcome bonus in Westjet dollars and a $99 companion flight per year. I think that's great value that keeps on giving each year
- Newman26
- Deal Addict
- Dec 5, 2008
- 1432 posts
- 114 upvotes
I applied using the 50,000 bonus points link so I will just wait till i get the card use it once, then wait for the statement to confirm how much points I do get.Speedy1 wrote: ↑The link page from your rewards online page depends whether you are a basic level o silver level rewards member.
My wife is silver and her page shows 50k pts. I am basic and my page shows 30k pts. I didn't apply using the link on my rewards online page. I applied using another link showing 50k pts. I should get 50k pts and will know for sure in a few weeks when I get my 1st statement.
- jerryhung [OP]
- Deal Expert
- Sep 19, 2004
- 26763 posts
- 9333 upvotes
- where I belong
Cjohnson202 wrote: ↑How about the Westjet Elite RBC Mastercard?
$100 annual fee but you get free checked bags ($50 value per return flight), $250 welcome bonus in Westjet dollars and a $99 companion flight per year. I think that's great value that keeps on giving each year
http://www.rbcroyalbank.com/credit-card ... rcard.html
As I stated, I considered $200+ worth of welcome bonus and $250 - $99 annual fee isn't that great
Plus, yes, one needs to fly WestJet and USE the companion flight to make it worth it
I applied using the elite link as regular memeber, non-Elite, not logged in, and I got 50KSpeedy1 wrote: ↑The link page from your rewards online page depends whether you are a basic level o silver level rewards member.
My wife is silver and her page shows 50k pts. I am basic and my page shows 30k pts. I didn't apply using the link on my rewards online page. I applied using another link showing 50k pts. I should get 50k pts and will know for sure in a few weeks when I get my 1st statement.
There are many links (including up-sell links AFTER you logged in), just make sure it says 50K and take screenshot
Which Credit Cards to sign up? >> Jerry's Mega Thread of Credit Cards Q&A
- Pursuit2013
- Deal Addict
- Feb 11, 2013
- 1181 posts
- 329 upvotes
- ON
That's awesome!! How early would you cancel and when is the earliest you would reapply for a card.bestjsg wrote: ↑Amex has been working great for us, we referred each other amongst some friends , cancel , reapply etc , in about 1.5 yrs we got 4 tickets flying to Asia this summer (300,000 points)... at one point I had two identical cibc aeroplan visa at the same time... I think as long as you don't Mind the credit hit on your file , it is worth it.
- Cjohnson202
- Deal Addict
- Aug 20, 2008
- 3215 posts
- 1264 upvotes
- Ajax
Basically once a year you pay regular price for a round trip flight and you can bring someone with you for $99 + taxes. So say your flight is $500 taxes in, the $99 companion would probably be $300ish taxes in? So you're looking at 800 for two flights, which is saving another $200 dollars-ish. Obviously you save more depending on how expensive your flight is
- FlyOverMyDoodle
- Sr. Member
- Mar 14, 2015
- 833 posts
- 94 upvotes
- Edmonton
Is card churning not a problem? Won't this affect your credit score quite a bit?
- jerryhung [OP]
- Deal Expert
- Sep 19, 2004
- 26763 posts
- 9333 upvotes
- where I belong
It's not an issue, as long asFlyOverMyDoodle wrote: ↑Is card churning not a problem? Won't this affect your credit score quite a bit?
- you do it responsibly = don't go crazy at once, do it slowly, pay off balance
- you have good/great score to begin with (700+)
Which Credit Cards to sign up? >> Jerry's Mega Thread of Credit Cards Q&A
- bizee-bee
- Deal Fanatic
- Aug 10, 2008
- 7000 posts
- 7627 upvotes
If your credit score is a concern for you in seeking credit for a mortgage/loan in the short term future, then it could potentially be a big problem for you if things go sour. As Jerry says...don't go overboard, monitor your score, and be responsible. Else, be prepared to mend your credit rating/profile.FlyOverMyDoodle wrote: ↑Is card churning not a problem? Won't this affect your credit score quite a bit?
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