Comparison between Brim World Elite, HSBC World Elite, Rogers World Elite and Avion

HSBC is 0.5cpp.

The fee structure is different too. It’s 1% on everything else. 3% on travel, and 2% on gas, groceries, and drugstore.

To add to your table in the first post:

1) Brim WE:

- Also has $1000 Event Ticket Protector Insurance which seems to be unique...

2) Rogers WE:

- Carrier Accident is none, I believe.
- No Baggage Theft Insurance
- Flight Delay / Baggage Delay was up to 1000 per person with a maximum of 5000 for the entire group (per trip)
- Need to possibly maintain $15000 spending every year to maintain elligibility


3) RBC Avion Visa Infinite:

- No Baggage Theft Insurance
- 20% off Hertz rentals and 3x points on Hertz rentals
I don't know if this is of any importance but I saw this:
- 12 Month DashPass subscription and also $0 delivery with min $15 purchase

Edit:
4) HSBC WE:

- Auto Rental Collision: up to 31 day rental, MSRP of car covered up to 65,0000

Other thoughts if looking for auto rental collision insurance (excluding those super-premium cards Visa Infinite Privilege cards in general):

1) Most of the AMEX cards seem to have auto rental collision insurance for up to 48 days where the MSRP of the car is up to $85,0000. These are most of the ones that you need to pay so it doesn't include the SimplyCash basic card, AMEX Green card, some Air Miles cards...

2) Most of the Desjardins credit cards that you need to pay an AF for have auto rental collision insurance for up to 48 days where the MSRP of the car is up to $85,0000. So
a) Desjardins Cash Back World Elite Mastercard ($100 AF)
b) Desjardins Odyssey Visa Infinite Privilege card ($395 AF normally, $295 AF if you are a member)
c) Desjardins Odyssey World Elite Mastercard ($130 AF)
d) Desjardins Odyssey Gold Visa ($110 AF)

3) ManulifeMoney+ Visa Infinite ($120 AF) also has auto rental collision insurance for up to 48 days where the MSRP of the car is up to $85,0000. However the earning rate is a bit lacking

4) Brim World Elite Mastercard as mentioned in the original post also has the 48 days / $85000 MSRP for the auto rental collision insurance...

Thanks Everyone, I've updated the table based on some of your comments. While I'm not to concerned with concert ticket insurance, it's a nice perk for those going to music festivals or concerts, etc.

I've emailed brim to ask if they'll let me change to a BWE and drop the annual fee when I make the change, I'll let everyone know what they say.

Why sticking to Avion? Cuz you only bank with RBC?

For a visa+mc combo, I might prefer BNS Passport VI + Rogers WE

franklin777 wrote: ↑ Why sticking to Avion? Cuz you only bank with RBC?

For a visa+mc combo, I might prefer BNS Passport VI + Rogers WE

It's just what I have currently and was because I banked with RBC. With the annual gift card promos at amazon I definitely made more than my annual fee, but I'm looking at swapping the Avion soon. Likely for a WJ Visa or an AMEX Aeroplan. Just looking into those cards now. I'll look into the BNS passport as well.

I'm current using Rogers MC WE and sharing my card with my wife. I did a search a while back, and basically, if you spend a lot on your cards (>$50,000), and just interested in cash back, I found the Rogers card was the top choice since it's 1.5% with no limit/cap. I have yet to find a card that can match that. Of course, I'm more than happy to be corrected!

juniorkid wrote: ↑ I'm current using Rogers MC WE and sharing my card with my wife. I did a search a while back, and basically, if you spend a lot on your cards (>$50,000), and just interested in cash back, I found the Rogers card was the top choice since it's 1.5% with no limit/cap. I have yet to find a card that can match that. Of course, I'm more than happy to be corrected!

If you are ok with Amex, then the Amex SCP will definitely net you more.

And depend on the categories you spend in, the Desjardins VIP might net you more as well.

efrant wrote: ↑ If you are ok with Amex, then the Amex SCP will definitely net you more.

And depend on the categories you spend in, the Desjardins VIP might net you more as well.

Wow! Ok, looks like I got some math to do. I think the Amex could be tough to pick, I'll have to pay attention to the stores where I shop and see if any don't accept it. The Dejardins seem more appealing since it's Visa.
Thank you so much!

EDIT: Just realized your avatar is that of Cult of the Dead Cow (CDC). I used to use some of their stuff waaaaay back in the day

juniorkid wrote: ↑ EDIT: Just realized your avatar is that of Cult of the Dead Cow (CDC). I used to use some of their stuff waaaaay back in the day

Legends!

.ooM

No right answer since everybody wants different things and something that is useless to you might be a must have for me. However, in general, I think the top 2 is definitely either the HSBC WE or the Rogers WE simply because of the annual fee. When you take the annual fee into account, the HSBC has effective $50 and Rogers is free.. so the Rogers is really tough to beat meaning that you actually earn 1.5% back whereas the other cards might provide a little bit less value. HSBC is a little bit harder to compare because it doesn't do the 1.5% back on everything, so it's a little hard to compare. Because of the change, I don't use the HSBC card anymore because the accelerators it has, I can do better with other cards.

The problem with Brim is that it's pretty expensive and will always net you less than the Rogers Card regardless of how much you spend because of the cap. The Rogers card will always earn you more (because of the annual fee + spending cap on Brim). Therefore, you can compare the insurances and see how much you're willing to pay extra for them, because you are doing exactly that... paying extra for the additional benefit it provides. If you really like the travel insurances of the Brim, I'd argue that the HSBC is just simply better all around since you get 3x back in travel and it has longer travel medical insurance which is rare AND provides seniors with significant coverage too.. another rarity. Combined with the lower effective annual fee.. I don't see a place for the Brim for most people...

I'm just comparing the HSBC because that's the topic. I however, would probably not lump them into the same category after HSBC did away with the 1.5% on everything...

juniorkid wrote: ↑ I'm current using Rogers MC WE and sharing my card with my wife. I did a search a while back, and basically, if you spend a lot on your cards (>$50,000), and just interested in cash back, I found the Rogers card was the top choice since it's 1.5% with no limit/cap. I have yet to find a card that can match that. Of course, I'm more than happy to be corrected!

Since this will likely be my 'Costco and International meals/dinners' card only, I'll almost certainly not hit the $25000 max rewards on the Brim WE. Your point is definitely valid on the Rogers card for those using it as their main card, though it's less appealing if you travel outside the US for trips I suppose.

I'm considering dropping my business and personal Avions for AMEX Aeroplans as the signup bonus are great and I'll likely earn around $3K worth of aeroplan points. But the Rogers card tempted me to consider going with it for both my personal and business alone. I'd get a combined return of somewhere around $1500 on a rogers card which is nothing to sneeze at.

Guess I need to decide if I want to prioritize Aeroplan and perks vs cashback. I'm very reluctant to take vacations so Aeroplan points help me feel like I can take a vacation (as I'm not burning actual money to do so).

Rogers World Elite is net 0.5% on USD spend, not 3%. They give you 3% rewards but charge 2.5% extra on the FX markup.

FreeKnight wrote: ↑ Since this will likely be my 'Costco and International meals/dinners' card only, I'll almost certainly not hit the $25000 max rewards on the Brim WE. Your point is definitely valid on the Rogers card for those using it as their main card, though it's less appealing if you travel outside the US for trips I suppose.

I'm considering dropping my business and personal Avions for AMEX Aeroplans as the signup bonus are great and I'll likely earn around $3K worth of aeroplan points. But the Rogers card tempted me to consider going with it for both my personal and business alone. I'd get a combined return of somewhere around $1500 on a rogers card which is nothing to sneeze at.

Guess I need to decide if I want to prioritize Aeroplan and perks vs cashback. I'm very reluctant to take vacations so Aeroplan points help me feel like I can take a vacation (as I'm not burning actual money to do so).

Avions are hobbled by poor earn rate. You can partially offset that by using the ION+ card for categorical spending.

You still run into the issue of getting the stars to line up right to earn 2% on redemptions.

Kiraly wrote: ↑ Rogers World Elite is net 0.5% on USD spend, not 3%. They give you 3% rewards but charge 2.5% extra on the FX markup.

Good catch, I missed that error on my table