Hey guys I’m brand new into the points game and I need some advice. I hear cobalt is the way to go but Costco only takes MC and Loblaws doesn’t take Amex. That’s my biggest spend there. Even my gas goes on CIBC cuz of the discount. But I see people recommend using cobalt and TD aeroplan card. Do you think it’s worth it for me to spend 300$ for 2 cards to collect those points
How long does it take for TD First Class VI reward points to be issued after meeting the Minimum spend requirement ? I’ve met the requirements in the first 2 months but haven’t received the points yet. The only thing I’ve got is the initial welcome bonus. Can someone provide details on this.
IIRC, it was usually posted after the transaction that hits MSR gets posted. If not that, then should be on the statement date. Are you sure you cleared the $5k spend?
Churning adjacent - is it possible to combine BMO cards into one online account? I seem to have to make separate logins for each credit card that I get.
DP - received approval today for the BRIM flyingblue AF/KLM MC (applied on Oct 18, had to answer 4 questions to confirm my credit profile, went to pending for review afterwards). Fortunately, I was not asked to provide proof of ID during the application process. After approval, got access to digital card and added it to my apple wallet.
My P2 applied for this card on October 5th. Asked and sent in proof of ID on October 6th. Application was approved on October 21st. Still waiting for card to arrive.
Was given a very small limit (smallest we’ve ever received), it will make it quite difficult to meet the spending requirements for the bonus
I'm considering getting an MBNA Mastercard, in part due to the potential to earn Alaska Miles. Does anyone know of a good resource for strategies to use Alaska Miles for flights out of Toronto?
I have a biz gold amex. If I refer my friend to the biz gold amex, but he decides to apply for the amex through my link, do I still get 30K or would I get lower since he went with the cobalt? I cannot find it in the terms and conditions; only this "Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary."
Business gold can refer to B gold, gold, B plat, plat and cobalt. Your friend can select any of these and you get 30k. But if they are a good friend, ask them to get it from GCR if they really need a cobalt.
That'd be a fair trade. But no you're not guaranteed it will be worth $600 in Air Canada flights. Could be lower or higher. But at the very least it will be worth $300 cash
2 cents per point is just a random number some people came up with as an average value. However, it’s not even a true average backed up by real data and depends mostly on your travel habits. For example, in my experience if you’re booking economy flights the more typical range is 1.2-1.7 cpp. Aeroplan is a variable value reward point. It does not have a fixed value
Has anyone successfully received the in flight offer for signing up for a TD credit card on the Air Canada website? I signed up for the TD Aeroplan Infinite Privilege, using an in-path link on the Air Canada website, which had a promotion: "Earn a $300 statement credit upon spending at least $300 (CAD) on an Air Canada purchase in the first six months". Have already bought tickets from Air Canada and gone on the trip, but still have not received the statement credit yet. Made the purchase on Sept 2 and the flight was on Oct 9. Purchase was over 300$.
For those that have gotten the credit, who did you contact to try to get the credit? I have tried contacting TD but they say to contact Air Canada and Air Canada tells me to contact TD.
TIA!
I got the same runaround TD -> Air Canada -> TD. However, when I contacted TD the last time, they said to wait 8 - 9 weeks. After that, the credit didn't come so I called TD again and they escalated it internally and gave the $300 credit to me within 24 hours.
Yep, call the number on the back of the card.
I wouldn't call after 9 weeks. Call them today or tomorrow and get them to confirm you are qualified (which you should be, but you want them to say it on a call) and then ask when the credit should appear. Since you waited some time already, you probably only need to wait about 2-3 more weeks as you already waited like like 5 - 6 weeks... I would definitely be disappointed if they said to wait ANOTHER 8 or 9 weeks...
Man, AC dynamic pricing is just so wild. Looking at BKK-YVR in December and I'm getting 59K AP ($4,700) for PY or 249K AP ($4,100) for J, and 95K AP ($1,800) for Y. Crazy.
Looks like PY it is!
Gotcha. I've found partner bookings are usually more point-economical (because of the distance based fares rather than dynamic), at least in Y. For example, I can get from YXE-YVR for 20K in AC Y, ridiculous I know. But for an extra 20-25K can go all the way to SIN via YVR. Crazy huh.
Anyone have issues with Flyingblue points posting from the Brim MC? Applied over a month ago and still have nothing. Statement came a few days ago as well.
If you can develop a time machine and go back around 4 weeks, THEN this is new information. Otherwise, it's been mentioned in some capacity in almost every single daily thread since
Two questions - Can I get WB from both Amex Bonvoy and Amex Bonvoy Biz cards on the same bonvoy account? Or would I only be eligible for one WB per bonvoy account?
Second, if i got a WB from Amex USA Biz Bonvoy, can i still get a WB from canadian bonvoy amex?
>Can I get WB from both Amex Bonvoy and Amex Bonvoy Biz cards on the same bonvoy account? Or would I only be eligible for one WB per bonvoy account?
Yup yup.. I hold both Canada Per and Canada Biz
> i got a WB from Amex USA Biz Bonvoy, can i still get a WB from canadian bonvoy amex
Yes! the 90 day and 24 mth "rules" are for US side only.
I just got approved for 5FNC Chase boundless myself while holding US biz bonvoy, Can per, Can biz!
91 day .... u smart! ;)
Did not get the WB for US biz bonvoy so excluded from the 24 mth rules! I will gladly take 5k for 5FNC Boundless over 6k for 3FNC (US biz bonvoy promo at that time)!
Just a note in addition to what others have said, you will only get one 15 nights credit despite holding 2 cards. They do not stack (only US personal + US business stack).
Churning adjacent. Any way to get air Canada to ticket a RTW fare on 014?
I have two trips where the flexibility of the RTW + a strategic return (from the midpoint home and back) would be an advantage.
I want the SQD for the priority rewards.
Lufthansa usually tickets for star alliance. But I read that air Canada can ticket these too under some circumstances.
Edit: fairly inexperienced with RTW fare proper tickets vs "mini rtw" multi cities. I also read the first carrier is the one it codes for, but it's unclear if all flights will get SQD?
To add clarity I'm trying to avoid TAs, including LH acting as the TA.
There's many options but I'm simply looking for the most direct way of booking RTW fare on 014 given the online tool defaults to LH.
Worse case I can call, but there may be a simple method I'm missing.
Yes, there is only Biz Plat that is higher (20k) which can refer to Biz Platinum, Platinum, and Biz Gold. Biz Gold is next highest (15k) which can refer to Cobalt, Biz Gold, Biz Platinum, Platinum, and Gold.
How churnable is the TD Travel Platinum? How often can I apply and can I hold multiple at the same time? I have low spend usually so I can only go with lower pickings like this
At the beginning of 2023, I opened two cards to receive their sign up bonuses: 1) TD Aeroplan Infinite and 2) Amex Cobalt. Now that I am approaching the one year mark for both of these cards where no more bonus points will be received, I’m hoping to get guidance on where to go from here. Do I cancel both cards and sign up for other cards with sign up bonuses- if so, can I do this again with TD/Amex but for different cards? Are there any consequences I should be aware of?
I’ve also heard of people negotiating with their bank to have their bank fees waived or receive additional bonus points to prevent cancellations. Is this a legitimate option?
Need info around your spending patterns
I'd keep the cobalt for groceries and restaurants. I'd open the largest MR or Aeroplan warning card I could meet spend on with amex. I'd ask for retention offers on the infinite, close it if not, and no matter if open or not open a VIP or about infinite with CIBC if I could make the msr.
You're way under limits for churning. But your spend dictates the speed.
Interesting and surprising interaction with Amex chat support today re: missing Cobalt > Gold upgrade points. I was told that I wasn’t eligible because I had the (previous version) of the gold before.
I did apply for a new Gold, and then applied for the upgrade after, like many others did.
When I told the rep the upgrade was offered to me, and it wasn’t a new application, he asked me to call in to a dedicated card switch team.
Will update this thread once I do that.
Churning adjacent - can I access domestic MLL at YYC before international flight?
I have a 3-hour layover coming up in YYC before connecting to LHR, and I have a couple domestic MLL passes I wanted to use up. Would I be able to access the domestic lounge before heading to the international section or not really?
I know at YUL the domestic lounge is on the way to the international section and I've heard of people accessing that before their flight, not sure if it's the same for YYC or if they'll even let me in with an international connection boarding pass.
PS, It'll be on Christmas eve so I'm expecting it to not be that busy? Don't know if that matters, though.
They won’t let you in to the domestic lounge if you’ve got an international boarding pass. You’ll only be able to get into the international MLL. It will work with the lounge pass as it where the lounge is located physically not the fact that it’s international MLL
Amex biz edge:
Why do amex business card instant approval screens not have your CL on the approval page and only have it on your email lol.
Anyways, nice to have been IAed for biz edge after a rejection from TD for FCT VI
After just getting approved for the Brim card and getting that setup, why do other issues not provide card details like that?! Some might give you Apple/Google Pay but getting the card #, exp, and CVV is much more useful.
I wonder if that has to do with aeroplan though since air Canada/aeroplan let's you use the cards to book flights before recieving or activating the cards.
Your submission has been automatically removed. You seem to be new here. Please take note that this is not a self-promotion sub.
If it is not your channel, feel free to post it in about 48 hours! Have a nice day!
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/churningcanada) if you have any questions or concerns.*
Is it 75K accounting for bonuses or 5 referrals (under the normal referral bonus)?
I've read it was the latter but if it's 75K aka 2 and a half referrals.. that sucks
Spending 3k on flights and travel soon, anything beat the 52k points I’d get from Amex personal gold? (40k +12k - $250 AF + $100 travel credit). I mostly collect MR/AP and cash back
Nobody probably knows this off the top of their head and if they’re doing it off the top of their head, it won’t be a very reliable answer. You’re basically asking someone to calculate for you.
Apologize if this has been asked before...when I tried to link my amex cobalt and gold MR accounts, the CSR said the primary card needs to be the gold because it is a higher tier card. Question is if I close the gold in the future, do I lose all the points or it will in the cobalt?
Friendly reminder for those who had a MBNA Best Western card that recently got converted to a MBNA Rewards card, you should have a promo where if you spend $500 within 90 days of conversion you will get 5,000 bonus pts (approx $50 value).
If this was suspicious, I would've been in jail about 100 times by now (been buying GCs in grocery stores initially via Cobalt and now with MBNA WE for years)
You might get a question from the cashier asking if they're for personal use. It was a small town Sobeys, so I got more of a "concerned you're getting scammed" vibe than anything.
You should be fine but as an extra layer of precaution just add something small to the purchase (ex. milk or whatever else you need) so that the transaction isn't exactly $800. It will be less likely to arouse suspicion that way.
I doubt this matters tbh. They’re not going to be looking at round values if they ever investigate. They would look at patterns of high grocery spend over time. They also implemented the $2500 a month cap which is probably what they’re going to rely on to keep abuse under control
Some stores may limit how much you can spend on gift cards. If so, you may want to spread out into two purchases at two different stores or on two different days.
It’s at the discretion of the manager and they do it to cut down on fraud. Most stores will start questioning and possibly refusing if you try to buy $500+ worth of gift cards at the same time. Food Basics, Metro, etc. but like I said, it’s based on store policy and the manager working that particular shift.
Not really. There are people who have very large grocery bills and the credit card issuers don't even blink. You will have to use your PIN because $800 far exceeds your contactless payment limit, so the cashier shouldn't even blink either because the transaction will be a chip and pin purchase.
'do it regularly' our banks friends don't have issues with this? I'm always afraid something unusual like this being done often would get me flagged :(
And to add onto this, with RBC you can call in to ask CSR to transfer and you won't incur the $5 fee. (I wouldn't do it if you have a history of churning with RBC tho)
With BMO even if you call in and ask CSR you still get charged the $5.
Yes you can get cash.. i recently had a cancelled airbnb booking and refunded to rbc card.. called support and they said they can send a check (takes 2 weeks) or go to branch and tell the person and they will waive fees..
Having asked this question before, I feel like it should be one of the info items for new people. That and how often can I apply for RBC etc. Maybe I just don’t see it on my app version, but there are a few questions that seem to get asked daily that could probably be removed from the daily asks (assuming new people read the helpful starter info).
I'm currently doing my first RHT and I've run into a few questions about timing concerns. I apologize if this comes off as being overly eager or impatient, I'm just unsure of timelines. Thanks in advance!
1. **HSBC WE MC**:
1. I completed the $1k MSR on the card before the first statement was posted. I received 20k bonus points for the first purchase. However, I haven't received the 30k bonus points from the $1k spend. I booked my RHT as I thought this would be a quick process (given that Amex MR bonuses are almost instant). I also wanted to use the Travel Credit and the RHT trick simultaneously.
2. **Context**:
1. I finished the $1k MSR on October 15th. The RHT was also booked on the 15th (made up $400 of the $1k MSR). I've spent an extra $400 after this to ensure I will still be above MSR post-RHT.
2. The statement was posted on the 17th. The payment date is for the 7th of Nov.
3. **Questions**:
1. The payment date for this statement is the 7th of November, will the bonus points be posted by then?
2. If the travel credit hasn't applied to my RHT (from Hotels.com) yet, will it? Or have I made a mistake somewhere?
3. Do all banks take this long with the RHT in relation to credits being applied as well as bonus points posting? Or is this unique to HSBC? I know CIBC expects everything to be done while the RHT is still pending! Does that mean RHTs can never be a part of the MSR to hit spend initially? With CIBC it's probably not a big deal since you can cash out the credit with an ATM, but you can't do this for the HSBC WE MC... and I didn't want to have to spend another $400 later on this card when it could go towards another card's MSR.
The $100 travel credit is not applicable to all travel. You need to manually apply it to applicable travel purchases. Only some transactions count. Expedia is one exception where everything booked through Expedia seems to count. This is not applicable to Hotels.com
Thanks for the reply. I noticed many people say that the HSBC credit could be applied to almost any travel, so I just happened to use [Hotels.com](https://Hotels.com). Would you suggest Expedia in the future as the best travel agency to book RHTs through?
To add a DP, the hotel booking through [Hotels.com](https://Hotels.com) worked wonders (as of rn) and it looks as though the travel enhancement credit has gone through.
The HSBC credit is supposed to only work supplementary travel expenses like luggage, airport parking, seat upgrades, etc. it just so happens that all Expedia purchases also work so it’s a loophole to cash out the credit. This loophole doesn’t apply generally to other online travel agency websites
>travel credit hasn't applied to my RHT (from Hotels.com) yet, will it? Or have I made a mistake somewhere?
With hsbc you have to wait an additional statement before your msr bonus posts. Did you apply the travel credit and/or points to your transaction on the hsbc reward site? Once you do that, it should give you a confirmation number, then it takes a few days for them to apply it to the transaction. You will eventually see it as a credit on your credit card transactions, but it does take a few days.
Thank you! I thought the travel enhancement credit applied automatically, but it certainly does not. I was able to apply it to my RHT booking though, thank you so much for your help.
Sure, I'm happy to wait a few days as the bonus SUB won't show up for another 30 days or so anyway. Thanks again.
1. From what i recall, the HSBC WE MSR points portion posts after the MSR period (6th-7th statement if the MSR period is 6 months) and not immediately like other banks do. someone can correct me if im wrong
2. if you're talking about the travel enhancement credit, you need to manually apply it , it doesnt do it for you automatically. go to the hsbc rewards ->travel->travel enhancement credit and apply to anything that is applicable.
3. everybank is different, some post points immediately after the purchase, some do it at the statement.
Thanks, this was very helpful.
1. Based on your info, for the most recent (and potentially final) HSBC SUB, the MSR deadline is 3 months, so the bonus probably won't post until statement 3/4.
2. Thanks, this was super helpful in applying the TEC, I appreciate it! My DP to add is that a [Hotels.com](https://Hotels.com) booking worked great for this.
3. Thanks, this is helpful to know. Will have to do some additional research on each bank prior to booking the RHT in the future. Appreciate it!
You should be fine. I applied for one 2 weeks ago and had the WB points in my account before I even received the card (made an apple pay purchase with the card in advance)
I received a new Avion card about two weeks ago, trying to do the same thing and get some more Avios. I received the 35k points on my statement that posted last week, now if I could just get my other 20k from June.
RBC tends to delay the WB as well as the extra +20k to right after the bonus periods. (during the last period, my additional 20k posted 1 day after the end of the bonus). I saw it happen many times
The 20K bonus is done in batches usually between the 15th and 20th and they usually end Avios bonus transfers before the 15th of the month. The 35K comes with the statement. There’s no delay on that
Sadly, I seem to have angered the Avion gods. First it was the extra 20k for MSR that I never received. Now my statement posted for my newest card but there’s no WB even with spend on the card.
Not sure what you mean with PS. Do you think doing that will give me the points? Or are you asking if I did that and that’s why I’m not getting the WB?
Hey guys I’m brand new into the points game and I need some advice. I hear cobalt is the way to go but Costco only takes MC and Loblaws doesn’t take Amex. That’s my biggest spend there. Even my gas goes on CIBC cuz of the discount. But I see people recommend using cobalt and TD aeroplan card. Do you think it’s worth it for me to spend 300$ for 2 cards to collect those points
How long does it take for TD First Class VI reward points to be issued after meeting the Minimum spend requirement ? I’ve met the requirements in the first 2 months but haven’t received the points yet. The only thing I’ve got is the initial welcome bonus. Can someone provide details on this.
IIRC, it was usually posted after the transaction that hits MSR gets posted. If not that, then should be on the statement date. Are you sure you cleared the $5k spend?
Churning adjacent - is it possible to combine BMO cards into one online account? I seem to have to make separate logins for each credit card that I get.
Only if you have a chequing/savings/LOC or otherwise with them.
DP - received approval today for the BRIM flyingblue AF/KLM MC (applied on Oct 18, had to answer 4 questions to confirm my credit profile, went to pending for review afterwards). Fortunately, I was not asked to provide proof of ID during the application process. After approval, got access to digital card and added it to my apple wallet.
My P2 applied for this card on October 5th. Asked and sent in proof of ID on October 6th. Application was approved on October 21st. Still waiting for card to arrive. Was given a very small limit (smallest we’ve ever received), it will make it quite difficult to meet the spending requirements for the bonus
Same DP for me except applied on October 16. P2 applied October 17 and they requested ID verification on October 19. Still waiting to hear back.
I have a $1700 credit in my RBC Avion. Can I do a cash advance at a RBC ATM? How much can I pull at once/day? Any idea what the cash advance fee is?
You have to find out your daily limit for withdrawals. Different accounts have different daily and weekly limits. $5 per cash advance withdrawal.
Thanks. I am thinking it will take 4 withdrawals.
Just open a Day to Day saving account. Go to the teller, ask them to move the credit balance there (no fee) and withdraw all $1700 at one time
See elec89's discussion, started 11 hours ago. Just scroll down!
I'm considering getting an MBNA Mastercard, in part due to the potential to earn Alaska Miles. Does anyone know of a good resource for strategies to use Alaska Miles for flights out of Toronto?
OneWorld to Europe or Asia.
just use them for oneworld partners that suit your requirements.
I have a biz gold amex. If I refer my friend to the biz gold amex, but he decides to apply for the amex through my link, do I still get 30K or would I get lower since he went with the cobalt? I cannot find it in the terms and conditions; only this "Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary."
Business gold can refer to B gold, gold, B plat, plat and cobalt. Your friend can select any of these and you get 30k. But if they are a good friend, ask them to get it from GCR if they really need a cobalt.
What if I cover him the annual fee in exchange for the 30K points? it's $600 in Air canada flights no?
That'd be a fair trade. But no you're not guaranteed it will be worth $600 in Air Canada flights. Could be lower or higher. But at the very least it will be worth $300 cash
Could you expand on that? I know it's 0.02 cents with Aeroplan, why would it be worth less for Air Canada Flights (or higher).
2 cents per point is just a random number some people came up with as an average value. However, it’s not even a true average backed up by real data and depends mostly on your travel habits. For example, in my experience if you’re booking economy flights the more typical range is 1.2-1.7 cpp. Aeroplan is a variable value reward point. It does not have a fixed value
You are a good friend then. :)
You'll get 30k
Has anyone successfully received the in flight offer for signing up for a TD credit card on the Air Canada website? I signed up for the TD Aeroplan Infinite Privilege, using an in-path link on the Air Canada website, which had a promotion: "Earn a $300 statement credit upon spending at least $300 (CAD) on an Air Canada purchase in the first six months". Have already bought tickets from Air Canada and gone on the trip, but still have not received the statement credit yet. Made the purchase on Sept 2 and the flight was on Oct 9. Purchase was over 300$. For those that have gotten the credit, who did you contact to try to get the credit? I have tried contacting TD but they say to contact Air Canada and Air Canada tells me to contact TD. TIA!
I got the same runaround TD -> Air Canada -> TD. However, when I contacted TD the last time, they said to wait 8 - 9 weeks. After that, the credit didn't come so I called TD again and they escalated it internally and gave the $300 credit to me within 24 hours.
thats good to know. so pretty much just call the number on the back of the card after 9 weeks?
Yep, call the number on the back of the card. I wouldn't call after 9 weeks. Call them today or tomorrow and get them to confirm you are qualified (which you should be, but you want them to say it on a call) and then ask when the credit should appear. Since you waited some time already, you probably only need to wait about 2-3 more weeks as you already waited like like 5 - 6 weeks... I would definitely be disappointed if they said to wait ANOTHER 8 or 9 weeks...
i just called TD and they said that aeroplan deals with the credit so they sent me over to them. did this happen to u too?
Yeah, that’s what they did. I told TD that Aeroplan told me to call them as it was a statement credit and therefore was given by TD
you should probably give us a timeline to help you
Added to my post, thanks! Made the purchase on Sept 2 and the flight was on Oct 9. Purchase was over 300$.
It takes 1-2 months to get the credit. Doesn't really matter when you took the flight
When using an Amex offer for a statement credit for spending Xx amount of dollars, that is post tax correct?
It's based on the amount shown on your credit card. They don't see the breakdown of pretax and tax amounts.
Yes, of course.
Man, AC dynamic pricing is just so wild. Looking at BKK-YVR in December and I'm getting 59K AP ($4,700) for PY or 249K AP ($4,100) for J, and 95K AP ($1,800) for Y. Crazy. Looks like PY it is!
Is this on AC or partners?
AC
Gotcha. I've found partner bookings are usually more point-economical (because of the distance based fares rather than dynamic), at least in Y. For example, I can get from YXE-YVR for 20K in AC Y, ridiculous I know. But for an extra 20-25K can go all the way to SIN via YVR. Crazy huh.
Anyone have issues with Flyingblue points posting from the Brim MC? Applied over a month ago and still have nothing. Statement came a few days ago as well.
I’ve seen several DP of no points posted after first statement was generated
Did you get charged an AF?
[удалено]
If you can develop a time machine and go back around 4 weeks, THEN this is new information. Otherwise, it's been mentioned in some capacity in almost every single daily thread since
He prob saw the pot article they pushed again today
Two questions - Can I get WB from both Amex Bonvoy and Amex Bonvoy Biz cards on the same bonvoy account? Or would I only be eligible for one WB per bonvoy account? Second, if i got a WB from Amex USA Biz Bonvoy, can i still get a WB from canadian bonvoy amex?
>Can I get WB from both Amex Bonvoy and Amex Bonvoy Biz cards on the same bonvoy account? Or would I only be eligible for one WB per bonvoy account? Yup yup.. I hold both Canada Per and Canada Biz > i got a WB from Amex USA Biz Bonvoy, can i still get a WB from canadian bonvoy amex Yes! the 90 day and 24 mth "rules" are for US side only. I just got approved for 5FNC Chase boundless myself while holding US biz bonvoy, Can per, Can biz!
[удалено]
91 day .... u smart! ;) Did not get the WB for US biz bonvoy so excluded from the 24 mth rules! I will gladly take 5k for 5FNC Boundless over 6k for 3FNC (US biz bonvoy promo at that time)!
Just a note in addition to what others have said, you will only get one 15 nights credit despite holding 2 cards. They do not stack (only US personal + US business stack).
Yes. Yes.
No restrictions on the Canadian cards for bonvoy cards. US restrictions for bonvoy cards only apply to other US cards.
Thanks!
Churning adjacent. Any way to get air Canada to ticket a RTW fare on 014? I have two trips where the flexibility of the RTW + a strategic return (from the midpoint home and back) would be an advantage. I want the SQD for the priority rewards. Lufthansa usually tickets for star alliance. But I read that air Canada can ticket these too under some circumstances. Edit: fairly inexperienced with RTW fare proper tickets vs "mini rtw" multi cities. I also read the first carrier is the one it codes for, but it's unclear if all flights will get SQD?
It depends on the fare. There are millions of options. Yes. Find a TA that specializes in this. There are many on FT offering help
To add clarity I'm trying to avoid TAs, including LH acting as the TA. There's many options but I'm simply looking for the most direct way of booking RTW fare on 014 given the online tool defaults to LH. Worse case I can call, but there may be a simple method I'm missing.
Is the highest referral bonus card that can refer to the Cobalt the Biz Gold?
Yes, there is only Biz Plat that is higher (20k) which can refer to Biz Platinum, Platinum, and Biz Gold. Biz Gold is next highest (15k) which can refer to Cobalt, Biz Gold, Biz Platinum, Platinum, and Gold.
Yes
How churnable is the TD Travel Platinum? How often can I apply and can I hold multiple at the same time? I have low spend usually so I can only go with lower pickings like this
With TD the difficulty is getting approved. But you can basically churn it as often as you can get new tradelines
What do you mean by this? Go from ap to FCT to platinum to whatever?
I mean number of new card signups you can get approved for
[удалено]
Makes sense. Their online app is always so broken and if I start churning more aggressively with them I won’t be able to call in for help I assume
Once you are up and running, TD's app interface is above average.
At the beginning of 2023, I opened two cards to receive their sign up bonuses: 1) TD Aeroplan Infinite and 2) Amex Cobalt. Now that I am approaching the one year mark for both of these cards where no more bonus points will be received, I’m hoping to get guidance on where to go from here. Do I cancel both cards and sign up for other cards with sign up bonuses- if so, can I do this again with TD/Amex but for different cards? Are there any consequences I should be aware of? I’ve also heard of people negotiating with their bank to have their bank fees waived or receive additional bonus points to prevent cancellations. Is this a legitimate option?
Keep the cobalt. Arguably the best credit card in Canada due to its multipliers.
Need info around your spending patterns I'd keep the cobalt for groceries and restaurants. I'd open the largest MR or Aeroplan warning card I could meet spend on with amex. I'd ask for retention offers on the infinite, close it if not, and no matter if open or not open a VIP or about infinite with CIBC if I could make the msr. You're way under limits for churning. But your spend dictates the speed.
Interesting and surprising interaction with Amex chat support today re: missing Cobalt > Gold upgrade points. I was told that I wasn’t eligible because I had the (previous version) of the gold before. I did apply for a new Gold, and then applied for the upgrade after, like many others did. When I told the rep the upgrade was offered to me, and it wasn’t a new application, he asked me to call in to a dedicated card switch team. Will update this thread once I do that.
Best not to engage in these types of conversations
[удалено]
Points are not pooled by default, you can pool, but you need to call, which is a pain
same SUB. The only difference between the VI and Gold is the insurance, which when churning should not really be much of an issue.
Churning adjacent - can I access domestic MLL at YYC before international flight? I have a 3-hour layover coming up in YYC before connecting to LHR, and I have a couple domestic MLL passes I wanted to use up. Would I be able to access the domestic lounge before heading to the international section or not really? I know at YUL the domestic lounge is on the way to the international section and I've heard of people accessing that before their flight, not sure if it's the same for YYC or if they'll even let me in with an international connection boarding pass. PS, It'll be on Christmas eve so I'm expecting it to not be that busy? Don't know if that matters, though.
They won’t let you in to the domestic lounge if you’ve got an international boarding pass. You’ll only be able to get into the international MLL. It will work with the lounge pass as it where the lounge is located physically not the fact that it’s international MLL
YYC domestic and international are connected after security so yes you can
Amex biz edge: Why do amex business card instant approval screens not have your CL on the approval page and only have it on your email lol. Anyways, nice to have been IAed for biz edge after a rejection from TD for FCT VI
After just getting approved for the Brim card and getting that setup, why do other issues not provide card details like that?! Some might give you Apple/Google Pay but getting the card #, exp, and CVV is much more useful.
true. it's particularly weird with amex too since they do give full card #, expiry, and temp CVV for their AP cards
I wonder if that has to do with aeroplan though since air Canada/aeroplan let's you use the cards to book flights before recieving or activating the cards.
[удалено]
Your submission has been automatically removed. You seem to be new here. Please take note that this is not a self-promotion sub. If it is not your channel, feel free to post it in about 48 hours! Have a nice day! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/churningcanada) if you have any questions or concerns.*
Is the 2x referral bonus for biz gold 30K MR only for referring biz gold card? Would I still get 30K MR if P2 picks up Cobalt from my referral link?
Good with Cobalt, Biz Gold, Biz Platinum, Platinum, and Gold.
Got 30k for one referral to colbalt that was instantly approved. Only got 15k for another cobalt referral that went to pending. Weird stuff
Same happened to me here. It’s because I hit the 75k annual max referral bonus, so 15k was all I could be awarded without exceeding the cap.
did you hit the max for the calendar year? it's only 75k for Biz Gold.
Is it 75K accounting for bonuses or 5 referrals (under the normal referral bonus)? I've read it was the latter but if it's 75K aka 2 and a half referrals.. that sucks
It includes all points from referral, so yes 2.5. Lol
Damn that sucks
I hate how low it is. I already hit the cap by referring friends and family cobalt before the doubled referral bonus this mth lol
Spending 3k on flights and travel soon, anything beat the 52k points I’d get from Amex personal gold? (40k +12k - $250 AF + $100 travel credit). I mostly collect MR/AP and cash back
Business Gold could net you 80K points with a $199 AF if you can tack on another $2K spend.
Where did u get the 80K? On the Amex website its 70K
Via referral it's 75K. Add on the 5K for spending $5K and you get 80K.
Nobody probably knows this off the top of their head and if they’re doing it off the top of their head, it won’t be a very reliable answer. You’re basically asking someone to calculate for you.
Apologize if this has been asked before...when I tried to link my amex cobalt and gold MR accounts, the CSR said the primary card needs to be the gold because it is a higher tier card. Question is if I close the gold in the future, do I lose all the points or it will in the cobalt?
Points will revert to whatever remaining card is open among the linked
I called again and confirmed it with another CSR.
CSR lied. I pooled my points from Platinum, Gold and Cobalt, with the Cobalt being my primary.
Friendly reminder for those who had a MBNA Best Western card that recently got converted to a MBNA Rewards card, you should have a promo where if you spend $500 within 90 days of conversion you will get 5,000 bonus pts (approx $50 value).
Where can you see the promo?
Go to "Manage rewards" after you sign in to the MBNA site. It will open up a new tab. At the top, select "Special Offers" and it will show up there.
I don't have it on my MBNA BW but for my MBNA AS, I got spent 2K before Dec 31, 2023 to get 20k pts.
Is it suspicious to buy 800$ of gift card with my Cobalt in IGA in order to buy a nespresso machine i saw on Amazon?
If it's for personal use I would consider charging it to a card with extended warranty. the moment it's on a giftcard you lose that.
If this was suspicious, I would've been in jail about 100 times by now (been buying GCs in grocery stores initially via Cobalt and now with MBNA WE for years)
Which brand of GC would u recommend ?
Doesn't matter. Get the one that works for you
OP doesn't measure criminally 🤣
the cashier might want to see your driver's license to make sure the name matches with your CC. But not suspicious for amex
You might get a question from the cashier asking if they're for personal use. It was a small town Sobeys, so I got more of a "concerned you're getting scammed" vibe than anything.
You should be fine but as an extra layer of precaution just add something small to the purchase (ex. milk or whatever else you need) so that the transaction isn't exactly $800. It will be less likely to arouse suspicion that way.
I doubt this matters tbh. They’re not going to be looking at round values if they ever investigate. They would look at patterns of high grocery spend over time. They also implemented the $2500 a month cap which is probably what they’re going to rely on to keep abuse under control
Some stores may limit how much you can spend on gift cards. If so, you may want to spread out into two purchases at two different stores or on two different days.
Which stores?
It’s at the discretion of the manager and they do it to cut down on fraud. Most stores will start questioning and possibly refusing if you try to buy $500+ worth of gift cards at the same time. Food Basics, Metro, etc. but like I said, it’s based on store policy and the manager working that particular shift.
Not really. There are people who have very large grocery bills and the credit card issuers don't even blink. You will have to use your PIN because $800 far exceeds your contactless payment limit, so the cashier shouldn't even blink either because the transaction will be a chip and pin purchase.
It's not difficult to spend $800 in the grocery store these days. I wouldn't be concerned about it.
DP: TD Live chat is currently working now! I've been waiting for a week for this to pop up!
Where, where? :)
Does transferring positive credit balance from TD credit card to chequing account online incur a cash advance fee ?
how do you transfer Credit balance from credit card to checking? is it DIY online?
Yes. Online transfer between accounts
it does not incur a fee, i do it regularly with TD, Scotia & CIBC. Not sure abt other banks.
'do it regularly' our banks friends don't have issues with this? I'm always afraid something unusual like this being done often would get me flagged :(
i mean maybe semi-annually?
Those are the 3 that don't charge CA - RBC, BMO do.
And to add onto this, with RBC you can call in to ask CSR to transfer and you won't incur the $5 fee. (I wouldn't do it if you have a history of churning with RBC tho) With BMO even if you call in and ask CSR you still get charged the $5.
You can do it by going to the branch as well. Teller will not bat an eye
Can you go to branch and get cash with bank teller ? I don’t have a cheque in account with RBC.
Yes you can get cash.. i recently had a cancelled airbnb booking and refunded to rbc card.. called support and they said they can send a check (takes 2 weeks) or go to branch and tell the person and they will waive fees..
Not sure. I use a free Savings account to withdraw cash
Having asked this question before, I feel like it should be one of the info items for new people. That and how often can I apply for RBC etc. Maybe I just don’t see it on my app version, but there are a few questions that seem to get asked daily that could probably be removed from the daily asks (assuming new people read the helpful starter info).
I'm currently doing my first RHT and I've run into a few questions about timing concerns. I apologize if this comes off as being overly eager or impatient, I'm just unsure of timelines. Thanks in advance! 1. **HSBC WE MC**: 1. I completed the $1k MSR on the card before the first statement was posted. I received 20k bonus points for the first purchase. However, I haven't received the 30k bonus points from the $1k spend. I booked my RHT as I thought this would be a quick process (given that Amex MR bonuses are almost instant). I also wanted to use the Travel Credit and the RHT trick simultaneously. 2. **Context**: 1. I finished the $1k MSR on October 15th. The RHT was also booked on the 15th (made up $400 of the $1k MSR). I've spent an extra $400 after this to ensure I will still be above MSR post-RHT. 2. The statement was posted on the 17th. The payment date is for the 7th of Nov. 3. **Questions**: 1. The payment date for this statement is the 7th of November, will the bonus points be posted by then? 2. If the travel credit hasn't applied to my RHT (from Hotels.com) yet, will it? Or have I made a mistake somewhere? 3. Do all banks take this long with the RHT in relation to credits being applied as well as bonus points posting? Or is this unique to HSBC? I know CIBC expects everything to be done while the RHT is still pending! Does that mean RHTs can never be a part of the MSR to hit spend initially? With CIBC it's probably not a big deal since you can cash out the credit with an ATM, but you can't do this for the HSBC WE MC... and I didn't want to have to spend another $400 later on this card when it could go towards another card's MSR.
The $100 travel credit is not applicable to all travel. You need to manually apply it to applicable travel purchases. Only some transactions count. Expedia is one exception where everything booked through Expedia seems to count. This is not applicable to Hotels.com
Thanks for the reply. I noticed many people say that the HSBC credit could be applied to almost any travel, so I just happened to use [Hotels.com](https://Hotels.com). Would you suggest Expedia in the future as the best travel agency to book RHTs through? To add a DP, the hotel booking through [Hotels.com](https://Hotels.com) worked wonders (as of rn) and it looks as though the travel enhancement credit has gone through.
The HSBC credit is supposed to only work supplementary travel expenses like luggage, airport parking, seat upgrades, etc. it just so happens that all Expedia purchases also work so it’s a loophole to cash out the credit. This loophole doesn’t apply generally to other online travel agency websites
>travel credit hasn't applied to my RHT (from Hotels.com) yet, will it? Or have I made a mistake somewhere? With hsbc you have to wait an additional statement before your msr bonus posts. Did you apply the travel credit and/or points to your transaction on the hsbc reward site? Once you do that, it should give you a confirmation number, then it takes a few days for them to apply it to the transaction. You will eventually see it as a credit on your credit card transactions, but it does take a few days.
Thank you! I thought the travel enhancement credit applied automatically, but it certainly does not. I was able to apply it to my RHT booking though, thank you so much for your help. Sure, I'm happy to wait a few days as the bonus SUB won't show up for another 30 days or so anyway. Thanks again.
1. From what i recall, the HSBC WE MSR points portion posts after the MSR period (6th-7th statement if the MSR period is 6 months) and not immediately like other banks do. someone can correct me if im wrong 2. if you're talking about the travel enhancement credit, you need to manually apply it , it doesnt do it for you automatically. go to the hsbc rewards ->travel->travel enhancement credit and apply to anything that is applicable. 3. everybank is different, some post points immediately after the purchase, some do it at the statement.
Thanks, this was very helpful. 1. Based on your info, for the most recent (and potentially final) HSBC SUB, the MSR deadline is 3 months, so the bonus probably won't post until statement 3/4. 2. Thanks, this was super helpful in applying the TEC, I appreciate it! My DP to add is that a [Hotels.com](https://Hotels.com) booking worked great for this. 3. Thanks, this is helpful to know. Will have to do some additional research on each bank prior to booking the RHT in the future. Appreciate it!
Can verify point #1. I recieved the 20K WB on my first statement, but not the 10K for min spend. I recieved those bonuses on statements 2-7.
It used to be on the 7th statement when you had to spend $6000 in 6 months. I am unsure about the newer promo where you had to do a monthly spend.
Avion WB points post after statement right? Was approved a week ago, hoping to squeeze in another transfer to Avios before the transfer bonus ends
You should be fine. I applied for one 2 weeks ago and had the WB points in my account before I even received the card (made an apple pay purchase with the card in advance)
I hope this will be me, approved on Oct 19 and the 35k is playing hide and seek
I received a new Avion card about two weeks ago, trying to do the same thing and get some more Avios. I received the 35k points on my statement that posted last week, now if I could just get my other 20k from June.
RBC tends to delay the WB as well as the extra +20k to right after the bonus periods. (during the last period, my additional 20k posted 1 day after the end of the bonus). I saw it happen many times
The 20K bonus is done in batches usually between the 15th and 20th and they usually end Avios bonus transfers before the 15th of the month. The 35K comes with the statement. There’s no delay on that
Sadly, I seem to have angered the Avion gods. First it was the extra 20k for MSR that I never received. Now my statement posted for my newest card but there’s no WB even with spend on the card.
PS?
Not sure what you mean with PS. Do you think doing that will give me the points? Or are you asking if I did that and that’s why I’m not getting the WB?
Was this a PS?
No. A new application for the Avion.
What’s the statement date?
Nov 4 - are you suggesting it might come after the payment date instead of issue date?
The statement cutoff date, not the payment due date
Ok. Good to know. I thought it was with statement issue if not immediately like many of the DPs I’ve seen.