Actually that makes it a fine card, saves 2.5% compared to others I have . Does Fido have same?asfazrq2 wrote: ↑ There's no surcharge on the return portion for Rogers PMC, they give you the market rate back. In effect they ding 2.5% on the purchase, they debit back the 4% reward on the return. so every time you buy and return something on the Rogers PMC, you get screwed a minimum of 2.5% plus the spread from mastercard (even if the rate never changes. this is around 0.05%) plus if the market rate changes.
Rogers PMC is not a great choice if you're not sure if you are not sure about the purchase. In the US, I primarily use Rogers PMC for Business transactions and grocery purchases.
anyway, hoping someone can answer my original question.
I user my Roger's card for things I don't need to return and Home Trust to pay for things that may need to be returned/credited.MaxPower19 wrote: ↑ Anyone who spends money in the states on a regular basis is still better off moving from chase to Home trust visa IMO.
Just get a US credit card and convert the currency yourself.MaxPower19 wrote: ↑Anyone who spends money in the states on a regular basis is still better off moving from chase to Home trust visa IMO.
Pay with Home Trust Visa - 0% FX fee, 1% Cashback
Using a USD credit card is predictable and easy for returns and warranty claims. It also helps you build credit in the US so that you have the ability to buy a vacation home or whatever in the USMaxPower19 wrote: ↑ What’s an easy way to convert the currency myself with no forex fees? Why do you recommend this over a Canadian dollar card with no forex fees?
That can't be true for USD cards issued by Canadian banks. Can it?
