01-25-2012, 11:20 PM
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#21
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First Line Centre
Join Date: Nov 2003
Location: Calgary
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Quote:
Originally Posted by albertGQ
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There. See, I knew you could do it, given just a little motivation. Turns out you need the "s" on credit card for that one to show up. "credit card" turns up nothing newer than 2010 when you restrict it to thread titles.
I am terribly sorry to have so grossly inconvenienced you by posting a thread three and a half months after it had shown up here, due to my vastly inadequate search function skills. I hope you are somehow able to see past this grievous breach of forum etiquette and move forward with your life.
Last edited by Superfraggle; 01-25-2012 at 11:27 PM.
Reason: I think inadequate fit better than inferior
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01-25-2012, 11:23 PM
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#22
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First Line Centre
Join Date: Nov 2003
Location: Calgary
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Many thanks to those who replied so far. I appreciate the help in figuring out where to look.
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01-25-2012, 11:46 PM
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#23
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Franchise Player
Join Date: Feb 2006
Location: Calgary, AB
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Quote:
Originally Posted by shermanator
Sidenote, does anyone pay their bills via credit? For example, if I pay Enmax / Rogers / Shaw through Visa, then immediately pay off the Visa, would this get me cash back?
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Yes. I don't think Enmax allows credit card payments, but Shaw does.
__________________
Turn up the good, turn down the suck!
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The Following User Says Thank You to getbak For This Useful Post:
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01-26-2012, 02:57 AM
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#24
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First Line Centre
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Quote:
Originally Posted by DownInFlames
I've said it before, but don't brag about the rewards you get with a card when you're using it to pay me. I pay higher merchant fees so you can get those rewards, and while I appreciate the business, you're just reminding me how much I have to pay someone for the privilege.
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Quote:
Originally Posted by Jacks
Luckily I'm not in retail so I can usually talk them out of it and wait an extra week for the cheque. I once had a customer asking to pay a $30K invoice with a airmiles visa card, I told them no.
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What kind of fees do you guys get hit with, if I may be so bold?
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01-26-2012, 03:24 AM
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#25
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Franchise Player
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Quote:
Originally Posted by albertGQ
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ALBERT Being a Gentlemen only a Quarter of the year...
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01-26-2012, 06:55 AM
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#26
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Franchise Player
Join Date: Apr 2008
Location: Calgary
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Quote:
Originally Posted by getbak
Yes. I don't think Enmax allows credit card payments, but Shaw does.
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That ####ing bugs me so much. Every time I see the charge on my chequeing account I get mad.
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The Following 2 Users Say Thank You to Boblobla For This Useful Post:
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01-26-2012, 06:58 AM
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#27
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Franchise Player
Join Date: Jun 2008
Location: Calgary
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Quote:
Originally Posted by shermanator
Yup, but I don't mind paying $20 a year to get $120 back. I guess it depends on how much people use their credit card. I don't like racking up huge credit bills either way.
The MBNA card is $89 annually with 2% cash back on everything. The RBC card is $20 annually with 1% cash back on everything.
For me, this works. For others, it probably doesn't.
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This is bad/wrong information. The MBNA cash-back card is FREE. You get 5% back on gas and groceries the first 6 months, and 3% thereafter. Again, this card is not advertised - you have to phone MBNA and ask for it.
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01-26-2012, 09:03 AM
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#28
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Lifetime Suspension
Join Date: Sep 2011
Location: Calgary
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Quote:
Originally Posted by shermanator
Yup, but I don't mind paying $20 a year to get $120 back. I guess it depends on how much people use their credit card. I don't like racking up huge credit bills either way.
The MBNA card is $89 annually with 2% cash back on everything. The RBC card is $20 annually with 1% cash back on everything.
For me, this works. For others, it probably doesn't.
Sidenote, does anyone pay their bills via credit? For example, if I pay Enmax / Rogers / Shaw through Visa, then immediately pay off the Visa, would this get me cash back?
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My MBNA card is free. It has no annual fee at all. (I just looked at the card's website, looks like there is no fee for people upgrading to the World version from the regular SmartCash card, otherwise there is a fee).
I just looked up my exact card. It's called the MBNA Smart Cash World Mastercard. It does require a $70,000 annual income, however the non-World version doesn't require that high of an income (I believe).
You get 3 points per dollar spent on gas and groceries (5 points during promotion period), 1 point per dollar after the $600 monthly cap limit (calendar month NOT statement cycle month), and 1 point per dollar for everything else. Once you reach 5000 points, a $50 cheque will be sent to you. Cheque usually gets to you in 6-8 weeks (YMMV, could be less) after the statement where you reach 5000 points.
Last edited by Canehdianman; 01-26-2012 at 09:04 AM.
Reason: more info
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01-26-2012, 09:08 AM
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#29
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Franchise Player
Join Date: Feb 2006
Location: Calgary, AB
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Quote:
Originally Posted by VladtheImpaler
This is bad/wrong information. The MBNA cash-back card is FREE. You get 5% back on gas and groceries the first 6 months, and 3% thereafter. Again, this card is not advertised - you have to phone MBNA and ask for it.
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I see it advertised right on the MBNA.ca home page.
Here's the application page: https://www.applyonlinenow.com/CACCa...=CMSF&lc=en_CA
__________________
Turn up the good, turn down the suck!
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01-26-2012, 09:18 AM
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#30
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Franchise Player
Join Date: Jun 2008
Location: Calgary
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Quote:
Originally Posted by getbak
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 I guess it's no longer secret. Used to be you had to ask.
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01-26-2012, 09:34 AM
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#31
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Franchise Player
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Quote:
Originally Posted by Sr. Mints
What kind of fees do you guys get hit with, if I may be so bold?
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Depends on how much volume you do, I do very little CC volume. Pretty sure right now the rate is over 3%.
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The Following User Says Thank You to Jacks For This Useful Post:
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01-26-2012, 09:47 AM
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#32
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Franchise Player
Join Date: Oct 2010
Location: Calgary
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Quote:
Originally Posted by VladtheImpaler
This is bad/wrong information. The MBNA cash-back card is FREE. You get 5% back on gas and groceries the first 6 months, and 3% thereafter. Again, this card is not advertised - you have to phone MBNA and ask for it.
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This sounds like the MBNA SmartCash card. Is this the same one? I have the platinum version of this one.
https://www.applyonlinenow.com/CACCa...=CMSF&lc=en_CA
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01-26-2012, 10:06 AM
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#33
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Franchise Player
Join Date: Jun 2008
Location: Calgary
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Quote:
Originally Posted by FlameOn
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Yeah, I have it - it's blue now, or at least the one I have - Smart Cash World. I used to have the Platinum but they phoned me out of the blue and told me I could switch and offered me the 5% cash-back for 6 months again.
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01-26-2012, 10:09 AM
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#34
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Lifetime Suspension
Join Date: Sep 2011
Location: Calgary
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Quote:
Originally Posted by VladtheImpaler
Yeah, I have it - it's blue now, or at least the one I have - Smart Cash World. I used to have the Platinum but they phoned me out of the blue and told me I could switch and offered me the 5% cash-back for 6 months again.
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Hi Vlad,
I upgraded my card to the world version over the phone, but didn't get a new card (I already had the new blue one, as my old silver one was compromised).
Does it say World anywhere on it? I want to ensure that I got switched over properly. My blue one only says "Smart cash" and "mbna paypass"
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01-26-2012, 10:11 AM
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#35
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Franchise Player
Join Date: Jun 2008
Location: Calgary
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Quote:
Originally Posted by Canehdianman
Hi Vlad,
I upgraded my card to the world version over the phone, but didn't get a new card (I already had the new blue one, as my old silver one was compromised).
Does it say World anywhere on it? I want to ensure that I got switched over properly. My blue one only says "Smart cash" and "mbna paypass"
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Mine has "WORLD" in thin white letters on the right just above the CC number.
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The Following User Says Thank You to VladtheImpaler For This Useful Post:
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01-26-2012, 10:32 AM
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#36
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Lifetime Suspension
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With mbna offering such a crazy good cash back... What's the incentive to pay for less at a Bank like scotia or Cibc? Td gives you .5 then 1% on their free card.... Seems so non competitive 
Last edited by Notorious Honey Badger; 01-26-2012 at 10:34 AM.
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01-26-2012, 10:33 AM
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#37
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Lifetime Suspension
Join Date: Sep 2011
Location: Calgary
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Quote:
Originally Posted by VladtheImpaler
Mine has "WORLD" in thin white letters on the right just above the CC number.
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Bah, thanks.
They never actually upgraded me. Was hoping to get 5% cash back on my wedding. Jerks.
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01-26-2012, 10:38 AM
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#38
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First Line Centre
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Interesting, I'm glad I came into this thread. Right now my wife and I both have an Airmiles Gold Mastercard which gives 1 airmile for every $15 spent, but it's got a $99 annual fee.
My wife has always been keen on collecting airmiles, but I'm starting to think it's somewhat gimmicky and especially with the annual fee tacked on.
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01-26-2012, 10:47 AM
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#39
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Franchise Player
Join Date: Jun 2008
Location: Calgary
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Quote:
Originally Posted by Old Yeller
Interesting, I'm glad I came into this thread. Right now my wife and I both have an Airmiles Gold Mastercard which gives 1 airmile for every $15 spent, but it's got a $99 annual fee.
My wife has always been keen on collecting airmiles, but I'm starting to think it's somewhat gimmicky and especially with the annual fee tacked on.
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Money Sense ran the numbers (I want to say it was two issues back) and Aspire came out as best travel card - you get a huge sign-up bonus, and you get a bonus on your annual fee. It's basically a 2% travel cash-back card plus the bonus.
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The Following User Says Thank You to VladtheImpaler For This Useful Post:
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01-26-2012, 11:04 AM
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#40
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Franchise Player
Join Date: Oct 2001
Location: Calgary, AB
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Quote:
Originally Posted by FlameOn
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I have the non-platinum version as well. The only annoying thing is that they send you your cash back rewards via cheque instead of crediting your account directly, but I haven't seen a better card for my spending habits.
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