What's your cash back credit card setup?!

coolintheshade wrote: ↑ScotiaBank Momentum Infinite is pretty much all I use.
4% at grocery stores and my many recurring bills.
I buy my Mobil gas gift cards at Superstore while I shop for food, for 4% on that.
I also buy my McDonalds, Tim Hortons’s, Subway and Ultimate dining gift cards there, for 4% on pretty much every restaurant I go to.
I use Triangle WE or BMO AMWE at Costco for a crummy 1% there.
I use RBC Cashback MC the odd time I shop at WalMart for 2% cashback, which has become less and less lately.

• Restaurants - 4%
• Recurring Payments - 1.5%

• Groceries - 2%
• Pharmacy/Vision (Via Walmart Supercentre) - 2%
• Miscellaneous 5-10+% Merchant Offers

• Furniture - 2%
• Home Improvement - 2%

smartie wrote: ↑ Do you pay annual fee or part of ultimate package?
Thanks

MauriceLaFlamme wrote: ↑ Note the question in the OP. This is not a thread to list all 50 of your credit cards. I know some of you are avid collectors!

Looking to fine-tune my set-up, what do you guys use? Wondering if there's any room for improvement?

Me:
Restaurants - 3% Cash Back Costco MC - NO ANNUAL FEE!
Gas: 2% Cash Back Costco MC - NO ANNUAL FEE!
High Value Electronics: Capital One World Elite 1.5% Cash Back Card - NO ANNUAL FEE! (Their warranty claim process is the best!)
Everything else: Rogers MasterCard - 1.75% Cash Back - NO ANNUAL FEE!
Travel: I open a new one to Churn rewards as I travel!

coolintheshade wrote: ↑ ScotiaBank Momentum Infinite is pretty much all I use.
4% at grocery stores and my many recurring bills.
I buy my Mobil gas gift cards at Superstore while I shop for food, for 4% on that.
I also buy my McDonalds, Tim Hortons’s, Subway and Ultimate dining gift cards there, for 4% on pretty much every restaurant I go to.
I use Triangle WE or BMO AMWE at Costco for a crummy 1% there.
I use RBC Cashback MC the odd time I shop at WalMart for 2% cashback, which has become less and less lately.

ml88888888 wrote: ↑ If you have PC M/C WE, then it might be slightly better to use it to buy gas at Mobil station. In Sask, you get 70 PCO point per litre if you pay using PC M/C. Otherwise you get 35 point per litre for using non PC M/C.

titaniumtux wrote: ↑ @CouponBaron I don't mean to assume, but there's a chance that OP's in QC. Worthy mention that Simplii is no-QC.

coolintheshade wrote: ↑ Here I get 4% return buying the gift cards with the credit card, and 30 points per litre in PC points using the gift cards at the pump through Speedpass app, so that’s pretty tough to beat.
You couldn’t pay me enough to deal with PC Financial.

hopetindall wrote: ↑ Really? I only seen to get 10 PCO points when doing this with gift cards.

coolintheshade wrote: ↑ Could be province specific.



So I was wrong, I actually get 35 points per litre.

CouponBaron wrote: ↑ How do you know where he is? lol. His name isn't exactly uncommon outside of Quebec. Didn't know it was exclusive though either way. Actually that gives me a question - what happens to your cards if you move there? (I'm assuming nothing?)

hopetindall wrote: ↑ Really? I only seen to get 10 PCO points when doing this with gift cards.

ml88888888 wrote: ↑ If you are getting 10 pt/ L in Ont, then you should move out west. haha. Are you sure you are not talking about Esso, which has different pts payout from Mobil?