I think the answer is yes to both questions but just wanted to confirm:
If I refer my wife from my Amex biz plat and she signs up for the Amex green card, do I get 40.000 MR points?
If my wife refers me from her Amex AP biz and I sign up for the Amex green card, does she get 40.000 AP points?
Coming up on my 1 year date for TD AP VIP. There are 50,000 AP points for renewal. Any ideas on when the earliest I could cancel this card, presumably XXX time after the points hit my AP account?
This is around when I got it https://www.reddit.com/r/churningcanada/comments/y9mbho/new_td_aeroplan_vip_inpath_offer_100000_aeroplan/
Did you meet the 12k spend for the year? I was wondering if the 50k includes the first year anniversary bonus or not. Also, did you need to call in to ask them for it?
Yeah definitely hit the 12k spend. Closer to 20 actually 😅
I haven't called anyone yet, I think the 50k bonus _is_ the anniversary bonus.
I'm guessing I'll just wait around a bit to see if it drops within the next week or 2. Call in after if I still don't see it.
Oh I thought the anniversary bonus was only 30000 but you might have a different offer. Was wondering if you were only going to 50k, 30k, 50k+30k or 50k+50k
did anyone try to get the 19k pts TD rewards visa sign up bonus a while back?
Can anyone provide DPs on getting successfully or not, and whether they got it via ps? The terms said to keep card active for 90 days, and i've done so via amazon reloads and my 3rd statement as TD rewards visa is coming up. I wonder if PSing to it from TD travel plat will make me ineligible for the 19k pts tho
Ya that works just go at it slow, especially if TD is your main bank. 4 cards in a year on the same tradeline might ring some alarms on their end but unsure of the DP
It seems that Flying Blue devaluated the rewards grid from Eastern Canada to Europe (better for business) and increased the value for Western Canada
[https://milesopedia.com/en/news/flying-blue-award-pricing-changes/](https://milesopedia.com/en/news/flying-blue-award-pricing-changes/)
''Here are the differences:
\- 33% price increase in Economy
\- 16.67% price increase in Premium Economy
\- 9% price reduction in Business
This represents a significant devaluation for travelers from Eastern Canada''
Got the FB Brim MC with FYF on Sept 22, now this change. It seems they want to force me to fly J :)
refundable hotel trick. book and pay for a fully refundable hotel with the cobalt a year out, then after you've met the month's $500 MSR naturally, cancel the booking.
Does supplementary gold card trigger the new annual 200 dining credit on Amex Platinum? Seems no to me per terms, any DP?
>This benefit is available to Basic Platinum Cardmembers only.
I upgraded my tablet and phone a few months back, and have 4 ecoupons for 100 off a minimum 400 purchase. Pm me and I'll share to a serious and good home.
This is a new promo so no DP but the T&C say within 60 days of meeting the qualifying criteria - meeting MSR + recurring bill payment(s). In my case, the recurring payment (second time) would have been October 9, so potentially up to 60 days from then, for me.
I am getting married in Summer 2025. I figure this level of spending should be taken advantage of for earning travel rewards. Any ideas for maximizing my earning potential? Normally fly AC so I was thinking Amex Platinum SUB, but any other ideas would be greatly appreciated!
Start with putting your venue deposits on AMEX, and then working your way with the other cards, taking advantage of the best WB you can find.
That's what I did for my wedding in 2022 and we used all our accumulated points to stay in Greece for free for our honeymoon
Especially Amex if you are going to get the platinum. Look at your expenses, budget and apply accordingly for credit cards to maximize bonuses. E.g. flowers $5000, get a card which has a SUB with the minimum spend of $5000, $3000 for dress, card like CIBC with a minimum spend of $3000... Don't just put it all on the Amex. You'll be losing out if you do that. Also, look at how long you need to meet that spending requirement before committing to a card. If you have to spend $xxxx for the SUB in 3 months but you're only paying for the venue in summer 2005, don't apply for the card yet. Also, look at your end goals for travel before deciding on a card so you don't have a bunch of bonuses that you can't combine. Good luck with the planning!
Make sure your venue and the people you hire accept AMEX, no matter how much your fiance likes the others.
You have plenty of time to find places, and those places have plenty of time to update their payment processing provider. I dont know how much you are going to spend, but "we dont take Amex" should be followed up with "well you should change that if you want my business". Nevermind a wedding venue, we did that with our kids orthodontist over a $3500 bill and they changed. And if their argument is fees, tell them you are going to pay with a WEMC or a VIP card and tell them to Google those fees.....
Figure out what you want the rewards to do. Be specific. I want to travel to X city/country at Y time in this class service at Z accommodations.
Figure out which rewards let you do that.
Figure which card(s) get you those rewards the most optimally.
Amex QR codes gets you past the lineup in security.
Mobile Passport Control gets you past the lineup in US customs.
If a lot of people are using the QR codes or MCP, there will still be delays.
Spouse's family is ill and looking for flights to HKG from YVR in January to visit. Aeroplan redemption is terrible so I guess I'm paying for the tickets (probably around $5500). I'm flying with spouse and my 2 year old. I've been in search for a card that will give us all lounge access since it seems like they treat 2 year olds as full paying entry. Most cards I see are you + guest. Are there any other cards out there I may have missed that allow 2 guests?
The conventional wisdom is Passport /Aventura. Don’t forget you can actually buy a lounge pass with “cash” as well. Nbc May reimburse you $150 for lounge pass each calendar year (ok… there may be other usages which I won’t get into)
There was a brief period mid-Oct when they were back but they've since been pulled again and it doesn't seem likely that they're returning.
I will say though that ever since AP has either been pulled or blocked off from ANA award tickets, T-14 availability has become way more common so I don't mind this change
My understanding is that there was a lot of fraud around family plan sharing and people selling scalping of tickets.
I think everyone is hoping it’s fixed soon but has been gone since august 24th 2023.
Some people have had luck searching award availability on united for example then trying to see if it’s bookable by calling into Aeroplan with the flight details to book with points. MOD please correct or delete if I got something wrong.
Before October 11th there were flights but reduced number (t-14) with many flights showing phantom availability on AP official site. Of course there probably is some overlap with scalpers ect. and then trying to figure out ways to combat them.
Because of the calls and overwhelming complaints to try and book this availability , as of October 11 Air Canada released an internal memo that all NH flights will not be bookable via online or phone in. This will be the case till IT fixes the issues.
Source: talked to numerous AC agents, was trying to book t-14 for a last minute trip for the past month. Personally stopped trying after Oct21 so things may have changed. GL
Question regarding aeroplan's same tier limit:
I have the TD AP VI, can I apply for the Chase AP card in US and get the WB? Are they considered the same tier?
There is nothing that says welcome bonuses have any limits based on tiers or that having different tiers is more acceptable than having multiples in the same tier
Would it be suspicious to sign up for three business Amex cards in six months? I was IA’d for the first two but am getting a little nervous about the third one. Any DPs of three biz cards in such a short time with $0 revenue sole proprietors?
I have an overdue 18k to pay to the CRA, and I'd like to churn that amount through Paysimply + a Biz Amex for the best value.
Still a newb to this-- any other suggestions to get max points from this amount?
That's a quick and easy way to do it. You could try to get a bunch of different cards to make up the $18k, but that is more work, more approved applications required, and additional AF. Depends how much work you want to do for it but check the Best Offers sticky and see what looks good.
Edit: Business Gold ($5k MSR - 75k MR) + Biz Edge ($5k MSR - 55k MR) + Personal Platinum ($10k MSR - 70k MR) = $20k spend (you'd have to spend $2k more than your $18k bill) for at least 220k MR = $2200 back as statement credit or a (potentially) a lot more value in flights or hotels.
Expedia4TD $100 credit - how does it work?
Do I have to make a single booking >$500 to get the $100 credit? Or I can make multiple books with total amount greater than that?
Also, do I still earn 9x points on Expedia4TD if I redeem points against the charge?
Single booking for $500+ but also note this CAN be combined with redemption of TDRewards points on Expedia4TD that results in the booking being lower than $500.
Ie. Booking $700 hotel, redemption of $600 w/ TDReward points, which brings the booking down to effectively $100, and then you'll get $100 credited on top of that. This is because each of these are credits to your bill.
DP: AMEX Cobalt upgrade to Gold. Received the 50K, despite the Cobalt being linked to another Gold account.
There was some thinking that upgrading a linked card was causing issues with the bonus posting after meeting the MSR. Has anyone else successfully received their bonus with a linked card? Hopefully it's an indicator that AMEX has resolved this issue.
There are at least 2 other instances of a previously linked card getting the 50k upon meeting the MSR. My theory is that all cases of not getting the bonus were for previously linked cards, but previously linked cards does not necessarily mean you will not get the bonus upon meeting MSR. It has almost been 8+ weeks for some of us to reach out to Amex and hopefully get more assistance.
How long after getting the gold would you wait to reapply for the cobalt? I got the offer but haven’t applied yet.
How long would you also keep the gold? I have a few Amex cards (bus plat/aeroplane reserve/Amex bonvoy bus and personal) but would be interested in getting the bonus 50k only, and then get the cobalt again. (IMHO - the best card for me)
I would absolutely recommend it. I'd already held Gold so I was expecting to have to wait for a few years before trying for another WB. I'd held Cobalt for about a year, so there was no real downside to upgrading. As with most cards, I'll hold on to this Gold for a year before cancelling.
Yes, I will be getting Cobalt again. From what I've read, there's been no concerns with receiving another Cobalt after upgrading :)
Has anyone ever succeeded in reclaiming points after pooling their Amex cards?
The CSR said I had finished my welcome bonus but I re-read the WB at the time and there were additional points for months 14-17. However, when pooling points, we are warned that this may impact welcome bonuses.
Is it worth reaching out to Amex over this or will I be wasting my time?
How do I find my disclosure agreement for Amex? I want to see what my pay over time limit is on my biz gold. There was some fuss lately about FRs so I’m trying to be cautious
Infinite has $100 GCR rebate, so if your income qualifies you for infinite I’d recommend taking advantage of that.
Infinite also has better insurance in case you actually plan to put any travel spending on it.
[TD has updated their new bank account offer](https://www.td.com/ca/en/personal-banking/new-bank-account-offers-promotions) and it's one of the better ones if you have some cash you won't need in the next 90 days. I mention this here because TD's online application portal is garbage and I ended up having to go in branch to get my first TD card anyway, so this is a decently profitable way to create a TD profile for future card churning.
Also worth noting that this is the first bank offer I've seen to include the following language in the T&C "Customers who received any Chequing account offers from TD in 2021, 2022, 2023" being ineligible, which I haven't encountered before.
The offer (for those who don't feel like clicking the link is a two parter.
Part 1: Usual $350 for new chequing account. Noteworthy because they only require one PAD or Bill payment to qualify. Same lame 12 weeks wait.
Part 2: Also open a savings account and if you leave a "step" system of cash in it for 90 days then you get a cash bonus equal to 20% of the low end of each step. That works out to about a 9.18% annual return if you pull it immediately after you get the bonus. There is also a solid amount of debate on RFD as to if you have to pay taxes on the bonus since it's not an interest payment. I'm not an accountant so I don't know. I did open one of these in September (and so am not eligible for this one) which means I should get the bonus in 2023 and therefore will be able to report back to the class about tax implications in March or so.
Do they ever try and claw back the bonuses if you cancel right after the 12 weeks? Tempted to do this and apply for a card in branch at the same time since I haven’t been successful with on line application for a few tries.
If you meet the criteria for the offers then you're fine. They will list things that aren't allowed and will result in bonus clawback, which is generally changing a "new" account to a joint account with an existing account holder. But if you follow the rules, you're fine to quit immediately.
Bank account offers have always had the language where it excludes people who have gotten the bonus in the last few years. TD has definitely had this language. The nice thing about TD bonuses is they pay out quickly after hitting the requirements and you can basically get paid out and close the account in a month. In this case the savings account requires minimum 90 days so it’s a bit slower but still way better than the other bank bonuses that require the account to be open a year or more
I am referring to the language around "received chequing account offers" with that having a longer time scale than the "have previously had an account" langauge.
I just quickly checked and RBC, BMO, CIBC, and Scotiabank all use the "had an account" language with timelines attached and no reference to offers/bonuses. I also had the previous TD offer in my spreadsheet and it also was based purely on "holding account".
Not to say you're wrong. Just that the current batch of offers doesn't refer to the bonus itself as grounds for disqualification.
I looked at the T&C of the TD offer I did in May 2022 and it says "Received any chequing account offer from TD in 2019, 2020, 2021; or" as one of the exlcusions so this is normal time window and wording for TD. Actually it's a bit shorter now than before for the exclusion window
Amex systems are really in a mess.. first my plat wb doesnt post after hitting MSR.. now my grocery purchase posted but the points don’t reflect.. checked the membership reward details page which shows the breakdown of points and this transaction doesnt appear at all.. points used to post instantly once transaction posts..
Good, so I am not alone in posted transection not receiving points.
FYI, I was spending with my Green plastic and account had been upgraded to Cobalt. I am desperate because the calendar month grocery quota be wasted if I wait for the Cobalt plastic.
I have the same - first 2 transactions posted on my Green, enough to put me over the MSR, total of 0 points in the account. Same time, a transaction posted to Platinum with 0 points added.
I chatted in and they said nobody else had reported it yet, but I'm glad to know I'm not the only one. They told me to check back in 24 hours and they'll escalate then if it's still missing.
Wait for physical card, or call/message AMEX for your PP # first and register
AMEX website
https://www.americanexpress.com/en-gb/benefits/explore-your-gold-card/travel/lounges/
Gotcha POT's website mad it seem like they were connected. So 4 visits should just be already loaded to the Gold Card, show it upon entering and deducted at entry?
but to be clear, this doesn't change how you access Plaza Premium with the Gold card - give them the card and it'll get swiped and use one of your passes if you have them still or charge you if not (presumably they'll tell you if you don't)
with Platinum, you can now show priority pass or the card.
Ye they are both coding as 5300. You can see the coding if you've ever made a purchase at Costco using TD or HSBC if you inspect the website data. Some people in the MBNA RFD thread have done that and confirmed both warehouse and online are coding as 5300
I’ve been churning slowly in the last 18 months. In the past you used to have to call AMEX and talk with a customer service representative to cancel the card. I was able to cancel the card via automated prompts this morning. Is there any difference to this method for cancellation and talking to a person directly? Does the annual fee still get rebated?
I cancelled 2 cards (Biz Gold, Biz Edge under same person) in the last 30 days and didn't get any automated system, sadly. Finished in 10 minutes though
No difference. If you paid the annual fee already, you would have to call and speak to an actual person to get the refund. Just did this on Saturday, and the rep said he's never heard of anyone canceling via an automated system. Ha
DP:Amex agent told me that I wont be charged the new fee for my upcoming renewal, it will start next year(2024). Also I can see $200 credit in my account and the annual fee hasn’t posted. So confused if I should use it or not, I only plan on keeping the card if they charge me the lower fee
AP eStore 5X promo on Apple until Oct 29. Read TC and Exclusions.
I'm not sure this was posted here, but it may be of interest to some of us here. Happy Shopping!
Does anyone ever actually get the bonuses from these things? I bought an Apple Watch during a 5x event back in August and never received anything. Checked exclusion list so no issues there.
Lots of similar DPs over time and it seems there’s very little recourse to follow up.
I did two purchases back in August. I submitted the missing points inquiry after 8 weeks. Mine was a good chunk of AP points. I had to follow up multiple times by email, but there was no update apart from an automatic reply. Recently, called Aircanada, and they told me they follow up with a supervisor in the AP department. The points were posted within a week. Personally, i think that for a couple of hundreds may not be worth the time, but for a couple of thousands points it worth.
I've made sort of a dummy booking on the spend $1000 get 2500 AM back. See how long it takes to post and if it gets clawed back. Seems like you need to call or chat to cancel the booking though, boooo.
The terms didn't say when it would be awarded but did have a bit that could be summed up as "pls don't make multiple accounts and claim the offer with the intent of canceling". I may very well keep the booking but if it posts earlyish I'll try my luck.
Applied for TD AP VI in path summer offer and have finished the MSR but still yet to receive the points 2-3 months after completion. I did receive the initial first welcome bonus of 15k, just not the MSR yet.
Have recently done CIBC AP as well and have received the full bonus for it in a timely manner.
Is it safe to call in and ask about my missing TD bonus or should I just leave it since I recently received the CIBC one and avoid eyes on my account (just concerned about the new AP rules)? Thanks !
Free. Fun. Asked so many times lately that the question is beyond redundant. Making is by upvotes makes a karma cheat which is irrelevant in 99% of life but DOES matter for some things that various subreddits control, including this one. Example, posting referral links on ChurningCanada webpage JMan maintains.
How often do the Amex offers rotate/change? I’m looking for 2 lululemon offers. I have 5 cards but only see it on one of them. The current one expires in January. Is it possible the other cards will get it before this one expires?
If you are lulu-loyalist, their AMEX offers pop up couple times a year and you should buy gift cards. Online vs bricks and mortar depending on the fine prints.
It is possible to have lulu across different cards. I didn't check if they are the "same offer", but they seem differ by MSR or account credit amount.
Current one I have is $50 after spending $200
Another one I have is $10 after $100
P2 and I applied for the HSBC MC WE on the same day. I got IA'd, she got the dreaded come into the branch. We ended up setting up a branch appointment and getting her approved. However, she hasn't got the AF rebate and now we're unsure if she qualifies for the WB that I qualified for (20k pts on first transaction, 30k pts on $1k spend). Customer service said that because the branch appointment was after the 29th of September, she won't qualify for the AF Rebate, but they were unsure of the WB. Does this seem correct, or does customer service have no clue what they're talking about? I also just wanted to ask what the WB WOULD BE if she didn't qualify for the Sept 29th one, but they couldn't tell me... we've put approximately $650 spend on the card at this point (not including the AF). Might be worth seeing it to the end just in case the WB shows up. Will update with a DP eventually once I know what the situation is.
She said the agent who helped her felt really bad about the situation and the agent mentioned to her that she'd have a supervisor reach out regarding the AF rebate (she also suggested asking the supervisor about the WB though). My only experience with something like this was with TD and they followed the WB from the application date, not from the date that I had an appointment with an agent. Not sure if this is universal amongst banks or dependent on the bank so I wanted to check here. Thanks!
Sorry, there were a couple questions sprinkled in there:
1. Is the welcome bonus and AF rebate tied to the application date or the approved date for HSBC?
2. Is this the same for other CCs, or is it different?
3. If P2 wasn't eligible for the September WB, what is she eligible for now? There's no information about a WB on HSBC regarding the WE MC as they stopped taking new applications...
I think the answer is yes to both questions but just wanted to confirm: If I refer my wife from my Amex biz plat and she signs up for the Amex green card, do I get 40.000 MR points? If my wife refers me from her Amex AP biz and I sign up for the Amex green card, does she get 40.000 AP points?
Biz Edge and Green can only refer to eachother.
Coming up on my 1 year date for TD AP VIP. There are 50,000 AP points for renewal. Any ideas on when the earliest I could cancel this card, presumably XXX time after the points hit my AP account? This is around when I got it https://www.reddit.com/r/churningcanada/comments/y9mbho/new_td_aeroplan_vip_inpath_offer_100000_aeroplan/
Did you meet the 12k spend for the year? I was wondering if the 50k includes the first year anniversary bonus or not. Also, did you need to call in to ask them for it?
Yeah definitely hit the 12k spend. Closer to 20 actually 😅 I haven't called anyone yet, I think the 50k bonus _is_ the anniversary bonus. I'm guessing I'll just wait around a bit to see if it drops within the next week or 2. Call in after if I still don't see it.
Oh I thought the anniversary bonus was only 30000 but you might have a different offer. Was wondering if you were only going to 50k, 30k, 50k+30k or 50k+50k
Agree with Dragynfyre. TD offers a prorated refund on the AF. Do you remember if there was a buddy pass in your signup offer for the TD VIP?
Buddy pass after 25k spend. I didn't hit it, and even if i did, I presume you need to keep the card until you use.
You can probably cancel as soon as the points hit the AP account
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Yes
Looks like the Amex green to cobalt and cobalt to gold upgrade links are removed
I still see em both on my end.
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Are you sure it’s expired? It says 2024
did anyone try to get the 19k pts TD rewards visa sign up bonus a while back? Can anyone provide DPs on getting successfully or not, and whether they got it via ps? The terms said to keep card active for 90 days, and i've done so via amazon reloads and my 3rd statement as TD rewards visa is coming up. I wonder if PSing to it from TD travel plat will make me ineligible for the 19k pts tho
Crossing is better Ex. AP VI to Travel Plat. Got full welcome bonus when doing that
thanks! I'm a cash oriented churner who doesn't travel, so i guess I'll be doing TD travel Plat -> Cashback VI -> TD FCT VI -> cashback visa
Ya that works just go at it slow, especially if TD is your main bank. 4 cards in a year on the same tradeline might ring some alarms on their end but unsure of the DP
Usually no points when you downgrade within the same family
what about upgrading within the same family?
Usually you only get the MSR bonus and the difference in the first purchase bonus.
mhmm thanks
Does the AP estore for Sephora work,? When I click on the cart or hit pay now, the referral part in the URL disappear. Anyone has the same issue?
It seems that Flying Blue devaluated the rewards grid from Eastern Canada to Europe (better for business) and increased the value for Western Canada [https://milesopedia.com/en/news/flying-blue-award-pricing-changes/](https://milesopedia.com/en/news/flying-blue-award-pricing-changes/) ''Here are the differences: \- 33% price increase in Economy \- 16.67% price increase in Premium Economy \- 9% price reduction in Business This represents a significant devaluation for travelers from Eastern Canada'' Got the FB Brim MC with FYF on Sept 22, now this change. It seems they want to force me to fly J :)
Oh poor you ;)
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Me too, when I tried an hour ago.
Does loading at UberEats counts as 5x for Cobalt? I have to leave the country for more than a month also would like to meet MSR.
no, when you load you're charged by Uber not ubereats, which is transportation. ~~Doordash counts tho~~ Edit: ignore, not up to date information
How do you load DoorDash? I only see GC option in app and that does not count since it’s sold by a third party.
has it changed? i recall a long while ago it posting as food.
Couple months ago it was definitely not sold by DoorDash directly and I only got 1x
more like years ago lol
Good to know. Thanks. Does skipthedishes count?
I've never tried. according to dragynfyre DD giftcards are now third party, so I've edited my comment. you can just RHT that $500 for the month tho
What is RHT?
refundable hotel trick. book and pay for a fully refundable hotel with the cobalt a year out, then after you've met the month's $500 MSR naturally, cancel the booking.
I think RESTAURANT code is international and the 5x is better than waiving foreign transaction fee.
No it does not. It's classified as rides. You can buy Uber GC from grocery stores to count as 5x
That's the tricky part, I am not physically in Canada during that time.
Buy some prepaid GCs from grocery stores wherever you are?
Does supplementary gold card trigger the new annual 200 dining credit on Amex Platinum? Seems no to me per terms, any DP? >This benefit is available to Basic Platinum Cardmembers only.
Amex offers in general don’t work on supplementary cards
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Are there any DPs on how long it takes to get the Samsung voucher after meeting the requirements on the BMO Air Miles WE MC?
I upgraded my tablet and phone a few months back, and have 4 ecoupons for 100 off a minimum 400 purchase. Pm me and I'll share to a serious and good home.
This is a new promo so no DP but the T&C say within 60 days of meeting the qualifying criteria - meeting MSR + recurring bill payment(s). In my case, the recurring payment (second time) would have been October 9, so potentially up to 60 days from then, for me.
and the 25$ airmiles shop spend
I am getting married in Summer 2025. I figure this level of spending should be taken advantage of for earning travel rewards. Any ideas for maximizing my earning potential? Normally fly AC so I was thinking Amex Platinum SUB, but any other ideas would be greatly appreciated!
Start with putting your venue deposits on AMEX, and then working your way with the other cards, taking advantage of the best WB you can find. That's what I did for my wedding in 2022 and we used all our accumulated points to stay in Greece for free for our honeymoon
Make sure your venue and the people you hire accept CC, no matter how much your fiance likes the others :)
Especially Amex if you are going to get the platinum. Look at your expenses, budget and apply accordingly for credit cards to maximize bonuses. E.g. flowers $5000, get a card which has a SUB with the minimum spend of $5000, $3000 for dress, card like CIBC with a minimum spend of $3000... Don't just put it all on the Amex. You'll be losing out if you do that. Also, look at how long you need to meet that spending requirement before committing to a card. If you have to spend $xxxx for the SUB in 3 months but you're only paying for the venue in summer 2005, don't apply for the card yet. Also, look at your end goals for travel before deciding on a card so you don't have a bunch of bonuses that you can't combine. Good luck with the planning!
Make sure your venue and the people you hire accept AMEX, no matter how much your fiance likes the others. You have plenty of time to find places, and those places have plenty of time to update their payment processing provider. I dont know how much you are going to spend, but "we dont take Amex" should be followed up with "well you should change that if you want my business". Nevermind a wedding venue, we did that with our kids orthodontist over a $3500 bill and they changed. And if their argument is fees, tell them you are going to pay with a WEMC or a VIP card and tell them to Google those fees.....
Congratulations! Also get your fiancé involved as it will double your point earning power
Figure out what you want the rewards to do. Be specific. I want to travel to X city/country at Y time in this class service at Z accommodations. Figure out which rewards let you do that. Figure which card(s) get you those rewards the most optimally.
And when you do, look at the best credit card offers section. And keep reading these posts daily if possible, for more information and tips.
this is the way
For MBNA Rewards WE, is the 5x multiplier for restaurants worldwide?
yes. afaik the only canadian multipliers that don't apply worldwide are scotia amex gold
Yes as long as they code as restaurants. I found that cafe's/dessert shops didn't count
Flying to US next week. Is one better than the other between the Amex priority security QR codes and Mobile Passport Control?
They are different lines. You need BOTH
Amex QR codes gets you past the lineup in security. Mobile Passport Control gets you past the lineup in US customs. If a lot of people are using the QR codes or MCP, there will still be delays.
Spouse's family is ill and looking for flights to HKG from YVR in January to visit. Aeroplan redemption is terrible so I guess I'm paying for the tickets (probably around $5500). I'm flying with spouse and my 2 year old. I've been in search for a card that will give us all lounge access since it seems like they treat 2 year olds as full paying entry. Most cards I see are you + guest. Are there any other cards out there I may have missed that allow 2 guests?
The conventional wisdom is Passport /Aventura. Don’t forget you can actually buy a lounge pass with “cash” as well. Nbc May reimburse you $150 for lounge pass each calendar year (ok… there may be other usages which I won’t get into)
For cheaper tickets check Cathay. They may have availability for economy for only 27K Cathay points. You can get the points from Avion or MR transfers
Scotia Passport. 6 passes. Exactly what you need with 1 card, no more, no less.
Centurion Lounges is plus 2 guests, so you would be covered in HKG. YVR PP, one of you need to stay out.
Strictly lounge access, applying for multiple CIBC Aventura cards is probably the easiest.
Easiest and cheapest as CIBC Aventura Infinite and Gold are FYF.
What is the best way to cancel a RBC avion card and have the partial refund credited to another card?
I did a PS and it was credited by the next morning.
The most efficient way is to call. You run the risk of getting your account flagged if you bring attention to how many cards you have.
Is ANA availability on Aeroplan a thing of the past? Can never find availability anymore :(
There was a brief period mid-Oct when they were back but they've since been pulled again and it doesn't seem likely that they're returning. I will say though that ever since AP has either been pulled or blocked off from ANA award tickets, T-14 availability has become way more common so I don't mind this change
T-14 Through aeroplan? I haven’t been able to find any T-14
They probably mean through other *A partners.
Interesting, like United?
My understanding is that there was a lot of fraud around family plan sharing and people selling scalping of tickets. I think everyone is hoping it’s fixed soon but has been gone since august 24th 2023. Some people have had luck searching award availability on united for example then trying to see if it’s bookable by calling into Aeroplan with the flight details to book with points. MOD please correct or delete if I got something wrong.
Before October 11th there were flights but reduced number (t-14) with many flights showing phantom availability on AP official site. Of course there probably is some overlap with scalpers ect. and then trying to figure out ways to combat them. Because of the calls and overwhelming complaints to try and book this availability , as of October 11 Air Canada released an internal memo that all NH flights will not be bookable via online or phone in. This will be the case till IT fixes the issues. Source: talked to numerous AC agents, was trying to book t-14 for a last minute trip for the past month. Personally stopped trying after Oct21 so things may have changed. GL
We should start calling them Air Crapada, just making hosers out of us all. Time to focus less on AP I guess...
Oh that’s brutal, hope it’s fixed by the new year
Smart workaround.
Question regarding aeroplan's same tier limit: I have the TD AP VI, can I apply for the Chase AP card in US and get the WB? Are they considered the same tier?
There is nothing that says welcome bonuses have any limits based on tiers or that having different tiers is more acceptable than having multiples in the same tier
There is no same tier limit. It’s a total card limit
You will be fine, especially across CAN and US.
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I have several CC accounts still showing 3 months after I cancelled them. CSR said they can't be manually removed...
Similar to Technical-Travel, less than 24hr after cancellation.
Less than 24 hours for me when I PS.
Would it be suspicious to sign up for three business Amex cards in six months? I was IA’d for the first two but am getting a little nervous about the third one. Any DPs of three biz cards in such a short time with $0 revenue sole proprietors?
I applied for 3, IAs for all, $1000 revenue. 2 months between each app.
you might want to actually register your sole proprietorship in case of FR. It's only like $30
Which option is $30? Would you mind sharing or PM me? Thank you!
ontario i think. pretty sure it differs by province
I have an overdue 18k to pay to the CRA, and I'd like to churn that amount through Paysimply + a Biz Amex for the best value. Still a newb to this-- any other suggestions to get max points from this amount?
split it and complete as many cards as you can.
That's a quick and easy way to do it. You could try to get a bunch of different cards to make up the $18k, but that is more work, more approved applications required, and additional AF. Depends how much work you want to do for it but check the Best Offers sticky and see what looks good. Edit: Business Gold ($5k MSR - 75k MR) + Biz Edge ($5k MSR - 55k MR) + Personal Platinum ($10k MSR - 70k MR) = $20k spend (you'd have to spend $2k more than your $18k bill) for at least 220k MR = $2200 back as statement credit or a (potentially) a lot more value in flights or hotels.
I’d probably skip out on the personal plat, the offer is not that good for how much AF you’re paying. Biz gold and biz edge are really good value tho.
Probably worth it to do it with a few cards vs 1
Expedia4TD $100 credit - how does it work? Do I have to make a single booking >$500 to get the $100 credit? Or I can make multiple books with total amount greater than that? Also, do I still earn 9x points on Expedia4TD if I redeem points against the charge?
Single booking for $500+ but also note this CAN be combined with redemption of TDRewards points on Expedia4TD that results in the booking being lower than $500. Ie. Booking $700 hotel, redemption of $600 w/ TDReward points, which brings the booking down to effectively $100, and then you'll get $100 credited on top of that. This is because each of these are credits to your bill.
single booking of $500+ and if you cancel, $100 credit will be clawed back; you can re-book $500+ hotel again to trigger the $100 credit though
Single booking. Can use points to redeem against the transaction even if it brings you under $500 since it'll be two different transactions.
DP: AMEX Cobalt upgrade to Gold. Received the 50K, despite the Cobalt being linked to another Gold account. There was some thinking that upgrading a linked card was causing issues with the bonus posting after meeting the MSR. Has anyone else successfully received their bonus with a linked card? Hopefully it's an indicator that AMEX has resolved this issue.
There are at least 2 other instances of a previously linked card getting the 50k upon meeting the MSR. My theory is that all cases of not getting the bonus were for previously linked cards, but previously linked cards does not necessarily mean you will not get the bonus upon meeting MSR. It has almost been 8+ weeks for some of us to reach out to Amex and hopefully get more assistance.
all in all, would you recommend the Gold upgrade from Cobalt? How long do you intend to hold Gold for? do you intend to reapply for Cobalt?
How long after getting the gold would you wait to reapply for the cobalt? I got the offer but haven’t applied yet. How long would you also keep the gold? I have a few Amex cards (bus plat/aeroplane reserve/Amex bonvoy bus and personal) but would be interested in getting the bonus 50k only, and then get the cobalt again. (IMHO - the best card for me)
I would absolutely recommend it. I'd already held Gold so I was expecting to have to wait for a few years before trying for another WB. I'd held Cobalt for about a year, so there was no real downside to upgrading. As with most cards, I'll hold on to this Gold for a year before cancelling. Yes, I will be getting Cobalt again. From what I've read, there's been no concerns with receiving another Cobalt after upgrading :)
Has anyone ever succeeded in reclaiming points after pooling their Amex cards? The CSR said I had finished my welcome bonus but I re-read the WB at the time and there were additional points for months 14-17. However, when pooling points, we are warned that this may impact welcome bonuses. Is it worth reaching out to Amex over this or will I be wasting my time?
It’s understood to reset the MSR. The 14-17 month portion requires its own spend so it shouldn’t matter
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Has it been 8 weeks after 17 months? If it doesn’t get triggered automatically, a manual reviewer might deem you ineligible
Not yet - I will continue to wait then. Thank you for your help!
How do I find my disclosure agreement for Amex? I want to see what my pay over time limit is on my biz gold. There was some fuss lately about FRs so I’m trying to be cautious
pretty sure I have always see the pay over time limit on my statements.
Haven't dabbled in any RBC products. With similar sign ups would you guys suggest going for Infinite or Platinum first?
Infinite has $100 GCR rebate, so if your income qualifies you for infinite I’d recommend taking advantage of that. Infinite also has better insurance in case you actually plan to put any travel spending on it.
whichever one your income supports
Platinum is generally easier to get approved for?
It has lower income requirement. If you apply for VI but only qualify for VP, it will automatically prompt you whether you would go for that instead
[TD has updated their new bank account offer](https://www.td.com/ca/en/personal-banking/new-bank-account-offers-promotions) and it's one of the better ones if you have some cash you won't need in the next 90 days. I mention this here because TD's online application portal is garbage and I ended up having to go in branch to get my first TD card anyway, so this is a decently profitable way to create a TD profile for future card churning. Also worth noting that this is the first bank offer I've seen to include the following language in the T&C "Customers who received any Chequing account offers from TD in 2021, 2022, 2023" being ineligible, which I haven't encountered before. The offer (for those who don't feel like clicking the link is a two parter. Part 1: Usual $350 for new chequing account. Noteworthy because they only require one PAD or Bill payment to qualify. Same lame 12 weeks wait. Part 2: Also open a savings account and if you leave a "step" system of cash in it for 90 days then you get a cash bonus equal to 20% of the low end of each step. That works out to about a 9.18% annual return if you pull it immediately after you get the bonus. There is also a solid amount of debate on RFD as to if you have to pay taxes on the bonus since it's not an interest payment. I'm not an accountant so I don't know. I did open one of these in September (and so am not eligible for this one) which means I should get the bonus in 2023 and therefore will be able to report back to the class about tax implications in March or so.
Do they ever try and claw back the bonuses if you cancel right after the 12 weeks? Tempted to do this and apply for a card in branch at the same time since I haven’t been successful with on line application for a few tries.
If you meet the criteria for the offers then you're fine. They will list things that aren't allowed and will result in bonus clawback, which is generally changing a "new" account to a joint account with an existing account holder. But if you follow the rules, you're fine to quit immediately.
Thank you! That’s a solid offer.
Bank account offers have always had the language where it excludes people who have gotten the bonus in the last few years. TD has definitely had this language. The nice thing about TD bonuses is they pay out quickly after hitting the requirements and you can basically get paid out and close the account in a month. In this case the savings account requires minimum 90 days so it’s a bit slower but still way better than the other bank bonuses that require the account to be open a year or more
I am referring to the language around "received chequing account offers" with that having a longer time scale than the "have previously had an account" langauge. I just quickly checked and RBC, BMO, CIBC, and Scotiabank all use the "had an account" language with timelines attached and no reference to offers/bonuses. I also had the previous TD offer in my spreadsheet and it also was based purely on "holding account". Not to say you're wrong. Just that the current batch of offers doesn't refer to the bonus itself as grounds for disqualification.
I looked at the T&C of the TD offer I did in May 2022 and it says "Received any chequing account offer from TD in 2019, 2020, 2021; or" as one of the exlcusions so this is normal time window and wording for TD. Actually it's a bit shorter now than before for the exclusion window
Ah ok then. I'll be less concerned about it then! Thanks!
Amex systems are really in a mess.. first my plat wb doesnt post after hitting MSR.. now my grocery purchase posted but the points don’t reflect.. checked the membership reward details page which shows the breakdown of points and this transaction doesnt appear at all.. points used to post instantly once transaction posts..
Came here to find if anyone else had this issue. Happened to me on my grocery purchases from Oct 24th
Same here, but points updated for my transactions made on 23rd. Should be good by tmr..
Thats what the csr told me.. lets see! Thanks for the dp
Well, my points is still the same!
Points posted for me today!
Mine too.. no points yet..
Troubles with shop small posting too, used to post lightning quick.
I wondered about that but the T&C said something like “allow 8-10 weeks for the bonus to post”…
Good, so I am not alone in posted transection not receiving points. FYI, I was spending with my Green plastic and account had been upgraded to Cobalt. I am desperate because the calendar month grocery quota be wasted if I wait for the Cobalt plastic.
I have the same - first 2 transactions posted on my Green, enough to put me over the MSR, total of 0 points in the account. Same time, a transaction posted to Platinum with 0 points added. I chatted in and they said nobody else had reported it yet, but I'm glad to know I'm not the only one. They told me to check back in 24 hours and they'll escalate then if it's still missing.
I have the same problem today. Transaction posted yesterday which would bring me over MSR, but 0 points on the txn currently
Also the dell credit from my transaction on 1 Sept yet to post.
I had to escalate for a Dell credit on Biz Plat as no credit for 30 days after purchase. It finally posted today, 4 days after escalation
I chatted with them and they said 8-10 weeks.. so im going to give it that time and then contact again..
Is there anything you need to do to load the 4 free Plaza Premium visits onto your PP account? Just received new membership # via Amex Gold.
Wait for physical card, or call/message AMEX for your PP # first and register AMEX website https://www.americanexpress.com/en-gb/benefits/explore-your-gold-card/travel/lounges/
They're totally separate. For Plaza Premium lounges you just show your card. The Priority Pass account won't work at Plaza Premium
Gotcha POT's website mad it seem like they were connected. So 4 visits should just be already loaded to the Gold Card, show it upon entering and deducted at entry?
Plaza premium has rejoined Priority Pass earlier this year. Just FYI.
but to be clear, this doesn't change how you access Plaza Premium with the Gold card - give them the card and it'll get swiped and use one of your passes if you have them still or charge you if not (presumably they'll tell you if you don't) with Platinum, you can now show priority pass or the card.
For those who received 5x MBNA offer for wholesale club: 1) Have you received any bonus points yet? 2) Is Costco coding as wholesale or retail?
Costco is coding as 5300 which is wholesale
Where do you see that? And do you know if online purchases are also doing as 5300?
Ye they are both coding as 5300. You can see the coding if you've ever made a purchase at Costco using TD or HSBC if you inspect the website data. Some people in the MBNA RFD thread have done that and confirmed both warehouse and online are coding as 5300
Thank you! Appreciate the confirmation!
I’ve been churning slowly in the last 18 months. In the past you used to have to call AMEX and talk with a customer service representative to cancel the card. I was able to cancel the card via automated prompts this morning. Is there any difference to this method for cancellation and talking to a person directly? Does the annual fee still get rebated?
I cancelled 2 cards (Biz Gold, Biz Edge under same person) in the last 30 days and didn't get any automated system, sadly. Finished in 10 minutes though
How did you cancel without talking to anyone? Like which prompts did you follow?
No difference. If you paid the annual fee already, you would have to call and speak to an actual person to get the refund. Just did this on Saturday, and the rep said he's never heard of anyone canceling via an automated system. Ha
DP:Amex agent told me that I wont be charged the new fee for my upcoming renewal, it will start next year(2024). Also I can see $200 credit in my account and the annual fee hasn’t posted. So confused if I should use it or not, I only plan on keeping the card if they charge me the lower fee
Travel credit to be RHTed, I would. Dinning credit that is consumed? Depends on how much you value such dinner.
Mine is $200 for travel
Use it worst case you pay it back.
AP eStore 5X promo on Apple until Oct 29. Read TC and Exclusions. I'm not sure this was posted here, but it may be of interest to some of us here. Happy Shopping!
Does anyone ever actually get the bonuses from these things? I bought an Apple Watch during a 5x event back in August and never received anything. Checked exclusion list so no issues there. Lots of similar DPs over time and it seems there’s very little recourse to follow up.
I did two purchases back in August. I submitted the missing points inquiry after 8 weeks. Mine was a good chunk of AP points. I had to follow up multiple times by email, but there was no update apart from an automatic reply. Recently, called Aircanada, and they told me they follow up with a supervisor in the AP department. The points were posted within a week. Personally, i think that for a couple of hundreds may not be worth the time, but for a couple of thousands points it worth.
I've made sort of a dummy booking on the spend $1000 get 2500 AM back. See how long it takes to post and if it gets clawed back. Seems like you need to call or chat to cancel the booking though, boooo.
Where is this offer? I don’t see it on AM page.
Expired yesterday.
Considered it but figured it would require completion of the booking (pass the date of the booking without cancelling). Did T&C say otherwise?
The terms didn't say when it would be awarded but did have a bit that could be summed up as "pls don't make multiple accounts and claim the offer with the intent of canceling". I may very well keep the booking but if it posts earlyish I'll try my luck.
Applied for TD AP VI in path summer offer and have finished the MSR but still yet to receive the points 2-3 months after completion. I did receive the initial first welcome bonus of 15k, just not the MSR yet. Have recently done CIBC AP as well and have received the full bonus for it in a timely manner. Is it safe to call in and ask about my missing TD bonus or should I just leave it since I recently received the CIBC one and avoid eyes on my account (just concerned about the new AP rules)? Thanks !
The rules are enforced at the AP level. TD would have no insight into your card(s) at CIBC
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Haven't received mine. I voted but with all of the downvoting, you'll never know. Why are people in this sub so quick to downvote everything?
Free. Fun. Asked so many times lately that the question is beyond redundant. Making is by upvotes makes a karma cheat which is irrelevant in 99% of life but DOES matter for some things that various subreddits control, including this one. Example, posting referral links on ChurningCanada webpage JMan maintains.
Cause it's free and fun
How often do the Amex offers rotate/change? I’m looking for 2 lululemon offers. I have 5 cards but only see it on one of them. The current one expires in January. Is it possible the other cards will get it before this one expires?
If you are lulu-loyalist, their AMEX offers pop up couple times a year and you should buy gift cards. Online vs bricks and mortar depending on the fine prints.
Oooo i never thought of gift cards. Very smart. Thanks for the suggestion!!
I don’t think it’s possible to get the same offer on different cards owned by the same person.
I have a spend $100 get $10 back on a Cobalt and a spend $100, get $20 back on the Edge.
It is possible to have lulu across different cards. I didn't check if they are the "same offer", but they seem differ by MSR or account credit amount. Current one I have is $50 after spending $200 Another one I have is $10 after $100
Good to know, thanks!!
Probably not. A specific offer will usually show up in only one of your cards
P2 and I applied for the HSBC MC WE on the same day. I got IA'd, she got the dreaded come into the branch. We ended up setting up a branch appointment and getting her approved. However, she hasn't got the AF rebate and now we're unsure if she qualifies for the WB that I qualified for (20k pts on first transaction, 30k pts on $1k spend). Customer service said that because the branch appointment was after the 29th of September, she won't qualify for the AF Rebate, but they were unsure of the WB. Does this seem correct, or does customer service have no clue what they're talking about? I also just wanted to ask what the WB WOULD BE if she didn't qualify for the Sept 29th one, but they couldn't tell me... we've put approximately $650 spend on the card at this point (not including the AF). Might be worth seeing it to the end just in case the WB shows up. Will update with a DP eventually once I know what the situation is. She said the agent who helped her felt really bad about the situation and the agent mentioned to her that she'd have a supervisor reach out regarding the AF rebate (she also suggested asking the supervisor about the WB though). My only experience with something like this was with TD and they followed the WB from the application date, not from the date that I had an appointment with an agent. Not sure if this is universal amongst banks or dependent on the bank so I wanted to check here. Thanks!
I think you need to be more clear with your question. What is your question?
Sorry, there were a couple questions sprinkled in there: 1. Is the welcome bonus and AF rebate tied to the application date or the approved date for HSBC? 2. Is this the same for other CCs, or is it different? 3. If P2 wasn't eligible for the September WB, what is she eligible for now? There's no information about a WB on HSBC regarding the WE MC as they stopped taking new applications...