加拿大信用卡及银行账户之我见
- 主题发起人 msc04
- 发布时间 2013-02-13
回复: 加拿大信用卡及银行账户之我见
有朋友用推荐链接申请AeroplanPlus卡,并花费$500,但还没看见bonus到帐.
注意AMEX的说明: Please allow 8 to 10 weeks for the bonus Aeroplan Miles to be awarded. 而且以我的经验,AMEX可能会分2次把30000分打入你的账户.
至于CardSwap的Esso卡,网站上有2种,要先买那个reloadable card(只有1% reward的),有那个后就等于有个可以充值的卡号了. Cardswap会寄给你一张实体卡,用来在esso使用. 以后再充值就选"Reload Only"的卡(2% Reward),那个没有实体卡,只是充值到你现有的实体卡上.
有朋友用推荐链接申请AeroplanPlus卡,并花费$500,但还没看见bonus到帐.
注意AMEX的说明: Please allow 8 to 10 weeks for the bonus Aeroplan Miles to be awarded. 而且以我的经验,AMEX可能会分2次把30000分打入你的账户.
至于CardSwap的Esso卡,网站上有2种,要先买那个reloadable card(只有1% reward的),有那个后就等于有个可以充值的卡号了. Cardswap会寄给你一张实体卡,用来在esso使用. 以后再充值就选"Reload Only"的卡(2% Reward),那个没有实体卡,只是充值到你现有的实体卡上.
回复: 加拿大信用卡及银行账户之我见
你看得好仔细啊.
这个有点像外汇交易里面的买入/卖出/中间价.
这个1%,大致是比较如果你用美元付美元和你用加元付美元的区别.
只要你是用加元付美元的账单,总是会损耗一些的,这部分由VISA公司收.因为VISA买卖外汇的量很大,其实他的汇率要比一般的银行还好些.
你日常用的时候,完全可以不考虑这点损失.要知道,除了Chase的信用卡外,其他卡用的是一样的汇率还要+2.5%转换费(由发卡行收).
至于VISA的汇率,可以见: http://corporate.visa.com/pd/consumer_services/consumer_ex_rates.jsp
你好，不好意思，我不太明白1%左右的损失是visa的汇率与什么比较，谢谢！
你看得好仔细啊.
这个有点像外汇交易里面的买入/卖出/中间价.
这个1%,大致是比较如果你用美元付美元和你用加元付美元的区别.
只要你是用加元付美元的账单,总是会损耗一些的,这部分由VISA公司收.因为VISA买卖外汇的量很大,其实他的汇率要比一般的银行还好些.
你日常用的时候,完全可以不考虑这点损失.要知道,除了Chase的信用卡外,其他卡用的是一样的汇率还要+2.5%转换费(由发卡行收).
至于VISA的汇率,可以见: http://corporate.visa.com/pd/consumer_services/consumer_ex_rates.jsp
$475买$500的ESSO油卡,外加20% Cash Back
shop.ca的$500的Esso油卡卖$475(到Dec 8),并可得GCR跳转到shop.ca的15%的返现(前人试过,可以拿到)。下面有我的referral链接,希望大家能使用,谢谢.
1.注册shop.ca
http://www.shop.ca?plcktb=ZwV3XG8CYQ2
初次注册可得到$25的注册奖励，但不能用在gift card上.
2.注册GCR
https://www.greatcanadianrebates.ca/Register/126795/
3.从GCR主页跳转到shop.ca（可获得15%的返点, ends Dec 20）
4.买shop.ca上那个$475的ESSO加油卡 (offer延期,现在ends Dec 8)
shop.ca的$500的Esso油卡卖$475(到Dec 8),并可得GCR跳转到shop.ca的15%的返现(前人试过,可以拿到)。下面有我的referral链接,希望大家能使用,谢谢.
1.注册shop.ca
http://www.shop.ca?plcktb=ZwV3XG8CYQ2
初次注册可得到$25的注册奖励，但不能用在gift card上.
2.注册GCR
https://www.greatcanadianrebates.ca/Register/126795/
3.从GCR主页跳转到shop.ca（可获得15%的返点, ends Dec 20）
4.买shop.ca上那个$475的ESSO加油卡 (offer延期,现在ends Dec 8)
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最后编辑: 2013-12-05
回复: 加拿大信用卡及银行账户之我见
介绍一下AmEx的AIR MILES白金信用卡吧.
年费$65,算是比较便宜的白金卡了,而且也是第一年免年费.开卡可以得500 Air Miles奖励.
Earn 1 reward mile for every $10 in Card purchases at AIR MILES®* Sponsors
Earn 1 reward mile for every $10 in Card purchases at other eligible grocery stores, gas stations, and drugstores in Canada
Plus, earn 1 reward mile for every $15 in Card purchases everywhere else
这个比例在Air Miles相关的信用卡里面算不错的了.记住你同时还可以积商家提供的Air Miles. 如果有积Air Miles的朋友,可以考虑一下.
本人没有AmEx的Air Miles信用卡,就不提供推荐链接了.
介绍一下AmEx的AIR MILES白金信用卡吧.
年费$65,算是比较便宜的白金卡了,而且也是第一年免年费.开卡可以得500 Air Miles奖励.
Earn 1 reward mile for every $10 in Card purchases at AIR MILES®* Sponsors
Earn 1 reward mile for every $10 in Card purchases at other eligible grocery stores, gas stations, and drugstores in Canada
Plus, earn 1 reward mile for every $15 in Card purchases everywhere else
这个比例在Air Miles相关的信用卡里面算不错的了.记住你同时还可以积商家提供的Air Miles. 如果有积Air Miles的朋友,可以考虑一下.
本人没有AmEx的Air Miles信用卡,就不提供推荐链接了.
最后编辑: 2013-12-02
回复: $475买$500的ESSO油卡,外加20% Cash Back
我的GCR的20%,在购卡后2天就到帐了.
嗯,刚改成15%. 估计shop.ca頂不住了.
15%也是很不错的了, 其他的返现网站基本只给shop.ca给10%返现.
这样的返现,shop.ca应该是基本不挣钱了.
听起来很棒的活动
应该多买几张就不用考虑用那张信用卡加油便宜的问题啦。
返现20%何时能到账呢？方便取用吗？
另外，帖子里说的”3.从GCR主页跳转到shop.ca（可获得20%的返点, ends Dec 31）“，我在GCR主页上看到的shop.ca是15%的返现呀？
我的GCR的20%,在购卡后2天就到帐了.
嗯,刚改成15%. 估计shop.ca頂不住了.
15%也是很不错的了, 其他的返现网站基本只给shop.ca给10%返现.
这样的返现,shop.ca应该是基本不挣钱了.
回复: 加拿大信用卡及银行账户之我见
谢谢你的信息，已经用你给的链接买了2份，希望你也能顺利拿到Reference的 Bonus！
谢谢你的信息，已经用你给的链接买了2份，希望你也能顺利拿到Reference的 Bonus！
回复: 加拿大信用卡及银行账户之我见
RBC Avion Platinum开卡年费给免了。不晓得是不是所有新用户的promo。感兴趣的可以去找banker问问
RBC Avion Platinum开卡年费给免了。不晓得是不是所有新用户的promo。感兴趣的可以去找banker问问
回复: $475买$500的ESSO油卡,外加20% Cash Back
今天check了一下，Paypal还给第一次在shop.ca购物$75以上的用户（如果你用paypal在shop.ca checkout) $25 off的discount. 大家可以试试。NOTE:请大家在购买此油卡时，先check各个offer的有效期限，以防商家有改变。
Eligible PayPal customers will have the opportunity to enjoy a $25 dollar off discount offer when using PayPal as their payment method at checkout on SHOP.CA when they make a purchase of $75 or more.
To be eligible, you must be a PayPal account holder before November 11, 2013 and have not previously redeemed a joint PayPal / SHOP.CA offer. Business Account holders are ineligible.
The $25 Special Offer is placed automatically in a user’s PayPal account via “auto-save”. This means, there is no promo code, or anything to 'apply' . It's just there, and is automatically credited as a payment type during check out.
今天check了一下，Paypal还给第一次在shop.ca购物$75以上的用户（如果你用paypal在shop.ca checkout) $25 off的discount. 大家可以试试。NOTE:请大家在购买此油卡时，先check各个offer的有效期限，以防商家有改变。
Eligible PayPal customers will have the opportunity to enjoy a $25 dollar off discount offer when using PayPal as their payment method at checkout on SHOP.CA when they make a purchase of $75 or more.
To be eligible, you must be a PayPal account holder before November 11, 2013 and have not previously redeemed a joint PayPal / SHOP.CA offer. Business Account holders are ineligible.
The $25 Special Offer is placed automatically in a user’s PayPal account via “auto-save”. This means, there is no promo code, or anything to 'apply' . It's just there, and is automatically credited as a payment type during check out.
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最后编辑: 2013-12-09
回复: 加拿大信用卡及银行账户之我见
一些关于TD Aeroplan信用卡的传言（Jan 2014会正式发布，估计会和传言很相近）。据说这个传言是TD放出来测民意的。我觉得TD的Aeroplan信用卡吸引力不是太大，希望一月能见到更好的卡。
TD Aeroplan Visa Platinum
Enrolment Bonus: 10,000 miles
Miles Earned: 1 Aeroplan Mile/$1.50
Bonus #1: 1 mile/$1 on gas, grocery and drugstore purchases
Bonus #2: Aeroplan Card and TD Visa can be used together at Aeroplan partner locations
Insurance: Delayed/Lost Baggage, Flight Delay, Collision Loss and Damage Insurance, Common Carrier, Purchase Security & Extended Warranty, Emergency Travel Assistance
Annual Fee: $89 Primary User, $35 Authorized User
Income Requirement: None
Interest Rate: 19.99%
Minimum Credit Limit: $1,500
Exclusive Privileges: None
Air Canada Benefits: None
TD Aeroplan Visa Infinite
Enrolment Bonus: 15,000 miles
Miles Earned: 1 Aeroplan Mile/$1.00
Bonus #1: 1.5 mile/$1 on gas, grocery and drugstore purchases
Bonus #2: Aeroplan Card and TD Visa can be used together at Aeroplan partner locations
Insurance: 15 Day Travel & Medical Insurance, Trip Cancel/Trip Interrupt, Delayed/Lost Baggage, Flight Delay, Collision Loss and Damage Insurance, Common Carrier (incl. Auto Rental), Purchase Security & Extended Warranty, Emergency Travel Assistance
Annual Fee: $120 Primary User, $50 Authorized User
Income Requirement: $60,000 or $100,000 household
Interest Rate: 19.99%
Minimum Credit Limit: $5,000
Exclusive Privileges: Concierge
Air Canada Benefits: When travelling on Reward flights: One annual one-time use Maple Leaf Lounge access pass, First checked bag free, Priority check-in, Priority boarding
TD Aeroplan Visa Infinite Privilege
Enrolment Bonus: 25,000 miles
Miles Earned: 1.25 Aeroplan Mile/$1.00
Bonus #1: 1.5 mile/$1 on gas, grocery and drugstore, and Air Canada purchases
Bonus #2: Aeroplan Card and TD Visa can be used together at Aeroplan partner locations
Insurance: 22 Day Travel & Medical Insurance, Trip Cancel/Trip Interrupt, Delayed/Lost Baggage, Flight Delay, Collision Loss and Damage Insurance, Common Carrier (incl. Auto Rental) - (expanded vs. Infinite coverage), Purchase Security & Extended Warranty (expanded vs. Infinite Coverage), Emergency Travel Assistance
Annual Fee: $399 Primary User, $99 Authorized User
Income Requirement: $200,000 household WTF
Interest Rate: 19.99%
Minimum Credit Limit: $10,000
Exclusive Privileges: Privilege Concierge, Global Lounge Service, Security VIP Fast Lane (Selected Airports), Golf Program, Sports packages (Olympics; FIFA), Music, food and wine experiences
Air Canada Benefits: First checked bag free on Air Canada flights, Priority check-in on Air Canada flights, Priority boarding on Air Canada flights, Four annual one-time use Maple Leaf Lounge
access passes (when travelling on Reward flights), 50% discount on companion tickets for eligible Executive Class fares on Air Canada Flights available once per calendar year
一些关于TD Aeroplan信用卡的传言（Jan 2014会正式发布，估计会和传言很相近）。据说这个传言是TD放出来测民意的。我觉得TD的Aeroplan信用卡吸引力不是太大，希望一月能见到更好的卡。
TD Aeroplan Visa Platinum
Enrolment Bonus: 10,000 miles
Miles Earned: 1 Aeroplan Mile/$1.50
Bonus #1: 1 mile/$1 on gas, grocery and drugstore purchases
Bonus #2: Aeroplan Card and TD Visa can be used together at Aeroplan partner locations
Insurance: Delayed/Lost Baggage, Flight Delay, Collision Loss and Damage Insurance, Common Carrier, Purchase Security & Extended Warranty, Emergency Travel Assistance
Annual Fee: $89 Primary User, $35 Authorized User
Income Requirement: None
Interest Rate: 19.99%
Minimum Credit Limit: $1,500
Exclusive Privileges: None
Air Canada Benefits: None
TD Aeroplan Visa Infinite
Enrolment Bonus: 15,000 miles
Miles Earned: 1 Aeroplan Mile/$1.00
Bonus #1: 1.5 mile/$1 on gas, grocery and drugstore purchases
Bonus #2: Aeroplan Card and TD Visa can be used together at Aeroplan partner locations
Insurance: 15 Day Travel & Medical Insurance, Trip Cancel/Trip Interrupt, Delayed/Lost Baggage, Flight Delay, Collision Loss and Damage Insurance, Common Carrier (incl. Auto Rental), Purchase Security & Extended Warranty, Emergency Travel Assistance
Annual Fee: $120 Primary User, $50 Authorized User
Income Requirement: $60,000 or $100,000 household
Interest Rate: 19.99%
Minimum Credit Limit: $5,000
Exclusive Privileges: Concierge
Air Canada Benefits: When travelling on Reward flights: One annual one-time use Maple Leaf Lounge access pass, First checked bag free, Priority check-in, Priority boarding
TD Aeroplan Visa Infinite Privilege
Enrolment Bonus: 25,000 miles
Miles Earned: 1.25 Aeroplan Mile/$1.00
Bonus #1: 1.5 mile/$1 on gas, grocery and drugstore, and Air Canada purchases
Bonus #2: Aeroplan Card and TD Visa can be used together at Aeroplan partner locations
Insurance: 22 Day Travel & Medical Insurance, Trip Cancel/Trip Interrupt, Delayed/Lost Baggage, Flight Delay, Collision Loss and Damage Insurance, Common Carrier (incl. Auto Rental) - (expanded vs. Infinite coverage), Purchase Security & Extended Warranty (expanded vs. Infinite Coverage), Emergency Travel Assistance
Annual Fee: $399 Primary User, $99 Authorized User
Income Requirement: $200,000 household WTF
Interest Rate: 19.99%
Minimum Credit Limit: $10,000
Exclusive Privileges: Privilege Concierge, Global Lounge Service, Security VIP Fast Lane (Selected Airports), Golf Program, Sports packages (Olympics; FIFA), Music, food and wine experiences
Air Canada Benefits: First checked bag free on Air Canada flights, Priority check-in on Air Canada flights, Priority boarding on Air Canada flights, Four annual one-time use Maple Leaf Lounge
access passes (when travelling on Reward flights), 50% discount on companion tickets for eligible Executive Class fares on Air Canada Flights available once per calendar year
回复: 加拿大信用卡及银行账户之我见
感觉还不如NATIONAL BANK的PLATINUM卡。积分也慢。
有网评说NBC的PLATINUM比CIBC Aerogold Visa Infinite还好。http://banknerd.ca/2009/07/11/match-4-nbc-platinum-mastercard-vs-cibc-aerogold-visa-infinite/
感觉还不如NATIONAL BANK的PLATINUM卡。积分也慢。
有网评说NBC的PLATINUM比CIBC Aerogold Visa Infinite还好。http://banknerd.ca/2009/07/11/match-4-nbc-platinum-mastercard-vs-cibc-aerogold-visa-infinite/
回复: 加拿大信用卡及银行账户之我见
Peoples Trust Bank的TFSA利息一直是3.0。现在到年末了，估计明年利息会降。不知道到时候能不能把TSFA从一家银行直接转到另一家银行。
Peoples Trust Bank的TFSA利息一直是3.0。现在到年末了，估计明年利息会降。不知道到时候能不能把TSFA从一家银行直接转到另一家银行。
回复: 加拿大信用卡及银行账户之我见
你要是普通的saving账户，现在取出来放着，明年存到别的银行就行。
要是mutual fund账户，需要问Peoples Trust Bank，看转TFSA是否收费。
你要是普通的saving账户，现在取出来放着，明年存到别的银行就行。
要是mutual fund账户，需要问Peoples Trust Bank，看转TFSA是否收费。
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