BMO Cashback World Elite (10% first $2,000/3 months, 1.5% all purchases, free roadside assist, FYF)

cursayer wrote: ↑ My card number changed going from base CB to WE CB.

smartie wrote: ↑ That's interesting. Because different cards have different bin number

VIP is not card type, it's just a different treatment

https://www.freebinchecker.com/td-canad ... n-list/amp

Delight wrote: ↑ Yes, had a very old TD green card that I product changed to VIP, number and expiry stayed the same.

cursayer wrote: ↑ My card number changed going from base CB to WE CB.

smartie wrote: ↑ That's interesting. Because different cards have different bin number

VIP is not card type, it's just a different treatment

https://www.freebinchecker.com/td-canad ... n-list/amp

bizee-bee wrote: ↑ Which FI are you referring to? Probably BMO, right? You're responding to Coolio's post where he's asking about the TD same-card numbers, even when PS'ing between base and premium cards.

TD will usually NOT change the CC#, and the only time they ever did was when I PS'd my old TD Cash Back MASTERCARD to become a TD First Class Travel VISA card, so naturally. Otherwise, no other TD PS'ing that I've ever done has ever changed the CC#, and this includes going from TD basic Cash Back to Cash Back Infinite, and TD Aeroplan Visa Infinite to a basic TD Rewards Visa.

For BMO, all PS's that I've done have resulted in a new CC#, including my up/down switches between the basic and World Elite Air Miles card.

BTW, did BMO give you an upgrade offer for the basic to World Elite Cash Back cards, for the 10%/FYF promo? Or did you call to get the offer. They wouldn't give me the 10%/FF offer on an email upgrade. All they offered via email offer was FYF. So, toss!!

coolintheshade wrote: ↑ So I’m going to assume, perhaps Mastercard numbers are different from tier to tier, and Visa are all the same regardless.

Rutils wrote: ↑ Does this card has extended warranty upto 2 year which is doubling actual warranty??

coolintheshade wrote: ↑ So I’m going to assume, perhaps Mastercard numbers are different from tier to tier, and Visa are all the same regardless.

• Aerogold Visa Infinite to Aventura Infinite Visa,
• Aerogold Visa Infinite to Tim Hortons DD Visa ( )
• Aventura Infinite Visa to Aventura Basic Visa
• Basic Dividend Visa to Dividend Platinum Visa

Delight wrote: ↑ T&C says it adds 2 years. For manufacturer warranties over 5 years, you have to call in to register within 1 year of purchase.

The following benefits apply when You charge the full Purchase Price of Personal Property or Gift items to Your Account. Regardless of where the item is purchased the original manufacturer’s warranty must be valid in Canada. Coverage is available automatically, except when the original manufacturer’s warranty exceeds five years, in which case You must register the item with the Operations Centre within one year of the date of purchase. Items purchased for commercial purposes are not eligible under this Certificate of Insurance.
Coverage Benefits
This insurance provides for an extension of the original manufacturer’s warranty up to a maximum extension of two years. We will reimburse You, at Our discretion, the lesser of the cost to repair or to replace the item. Terms of the extension will be in accordance with the original manufacturer’s warranty, excluding any extended warranty offered by the manufacturer or any other party.The overall lifetime maximum of applicable insurance for Extended Warranty Plus and Purchase Protection Plus is $60,000 per Account.

Rutils wrote: ↑ WE cash back reference(extended warranty plus): https://www.bmo.com/pdf/CB_WE_Travel_Me ... ate_En.pdf
However my question is if the original warranty is for 1 year, does WE cashback provide warranty for one more year or 2 more year ??

Again WE (non-cashback) is different. WE reference (extended warranty): https://www.bmo.com/pdf/World_Elite_Car ... eement.pdf

Rutils wrote: ↑ WE cash back reference(extended warranty plus): https://www.bmo.com/pdf/CB_WE_Travel_Me ... ate_En.pdf
However my question is if the original warranty is for 1 year, does WE cashback provide warranty for one more year or 2 more year ??

Again WE (non-cashback) is different. WE reference (extended warranty): https://www.bmo.com/pdf/World_Elite_Car ... eement.pdf

Delight wrote: ↑ On the topic of this card, there seems to be a somewhat "hidden" variant of this card offer.

5% CB up to $8000 spend, 6 months to meet it.

genral wrote: ↑ Changes are coming (May 2021)
1.5% CB on everything becomes:
- 5% on groceries (up to $500/month)
- 4% on transit, including ride sharing, taxis and public transit (up to $300/month)
- 3% on gas and electric vehicle charging (up to $300/month)
- 2% on recurring bill payments (up to $500/month)
- 1% unlimited cashback on all other purchases

Edit:
Changes to Air Miles WE as well.
1 AM per 10$ changes to:
- 3 Miles for every $12 spent at participating AIR MILES Partners
- 1 Mile for every $12 spent everywhere else

Also, they are removing the two complementary LoungeKey passes

genral wrote: ↑ Changes are coming (May 2021)
1.5% CB on everything becomes:
- 5% on groceries (up to $500/month)
- 4% on transit, including ride sharing, taxis and public transit (up to $300/month)
- 3% on gas and electric vehicle charging (up to $300/month)
- 2% on recurring bill payments (up to $500/month)
- 1% unlimited cashback on all other purchases

Edit:
Changes to Air Miles WE as well.
1 AM per 10$ changes to:
- 3 Miles for every $12 spent at participating AIR MILES Partners
- 1 Mile for every $12 spent everywhere else

Also, they are removing the two complementary LoungeKey passes

smartie wrote: ↑ Somehow I feel it's getting worse reward wise

genral wrote: ↑ Changes are coming (May 2021)
1.5% CB on everything becomes:
- 5% on groceries (up to $500/month)
- 4% on transit, including ride sharing, taxis and public transit (up to $300/month)
- 3% on gas and electric vehicle charging (up to $300/month)
- 2% on recurring bill payments (up to $500/month)
- 1% unlimited cashback on all other purchases

Edit:
Changes to Air Miles WE as well.
1 AM per 10$ changes to:
- 3 Miles for every $12 spent at participating AIR MILES Partners
- 1 Mile for every $12 spent everywhere else

Also, they are removing the two complementary LoungeKey passes

MountainView11 wrote: ↑ For the longest time BMO’s premium credit cards were rather lacking compared to all the other issuers until they started to roll out their World Elite MasterCards about 6 or 7 years ago it was May 2015 I recall when they added the Cashback and AIR MILES World Elite MCs and at the time they had among the best premium credit cards in Canada. Now they are lacklustre again, especially after the changes take place in May.

Lol at the 5/4/3/2/1 cash back structure coming to the Cashback World Elite MC in May. I remember when this card first launched they were running an ad on TV that basically made fun of tiered cards and really hi lighted the 1.75% Cashback on EVERYTHING

smartie wrote: ↑ I never understood the 500 cap on groceries, do they target downtown single hipsters?

smartie wrote: ↑ I never understood the 500 cap on groceries, do they target downtown single hipsters?