[推荐]reward加拿大最好的信用卡+各种拿bonus的方法。

[carolcn]

回复: 推荐我最喜欢的几张卡。

这几种卡对年收入有要求吗？

除了AE，大部分要求收入超过60K，对于没达到收入的，可以直接考虑楼上提到的

AE SPG 卡，这张卡虽然年费$120，但每一刀积1个SPG点，相当于1.8%返点，而且可以用于Costco。

+

RBC 的cash back卡，这卡超市2%返点，主要是补充了不接受AE的超市消费。

以上两张卡都是年收入15k就能办，基本是信用卡的最低要求了。

 

[bjsxin]

回复: 推荐我最喜欢的几张卡。

谢谢楼上的解答啊

 

[zhenzhaoji]

回复: 推荐我最喜欢的几张卡。

XIEXIE

 

[zhaozhaocan]

回复: 推荐我最喜欢的几张卡。

推荐大家可以考虑这个组合，个人认为应该是目前加拿大最好的信用卡消费组合。

Scotia Momentum $99年费:加汽油&超市买菜4%返点(相当于96折),可做日常消费主力.

Capital One Travel $20年费(首年免费):所有消费2%返点,免费提供:商品延长一年保修,120天内物品丢失或者损坏全赔保险,租车保险,22天旅游医疗保险,行程取消保险,航班延误保险等等,几乎是目前加拿大最好的附带保险信用卡.

AMEX Gold $150年费(首年免费):开卡送25000点,用于Costco购物1%返点及Costco商品延长一年保修（主要用于Costco）.


AMEX CASH BACK GOLD这个卡主要问题是不免年费，而且前五千刀返点低 0.375%，除非你的消费额超过十万，否则没什么意义。

Capital One Travel $20年费，网上似乎找不到这个卡，能给个链接吗？谢谢！

 

[枫叶红棉]

回复: 推荐我最喜欢的几张卡。

Capital One Travel $20年费，网上似乎找不到这个卡，能给个链接吗？谢谢！

Capital one aspire travel annual fee 120 but they will give you 10000 point bonus which worth 100 bucks. So the finally annual fee should be 120-100=20.

 

[happybulb]

回复: 推荐我最喜欢的几张卡。

Capital One Travel $20年费，网上似乎找不到这个卡，能给个链接吗？谢谢！

http://www.capitalone.ca/credit-car...referer=https://www.capitalone.ca/ca-homepage


you have to be very careful using this card, when you redeem. If you do not redeem certain amount, your 2% back can become 1% back. for example, if you want to redeem 151$ expense, you need to use 30000 points.

If you transaction is $200, you cannot just redeem 15000 points to pay $150, but 30000 points to pay $200.

 

[happybulb]

回复: 推荐我最喜欢的几张卡。

除了AE，大部分要求收入超过60K，对于没达到收入的，可以直接考虑楼上提到的

AE SPG 卡，这张卡虽然年费$120，但每一刀积1个SPG点，相当于1.8%返点，而且可以用于Costco。

+

RBC 的cash back卡，这卡超市2%返点，主要是补充了不接受AE的超市消费。

以上两张卡都是年收入15k就能办，基本是信用卡的最低要求了。

SPG is really good.

 

[happybulb]

回复: 推荐我最喜欢的几张卡。

推荐大家可以考虑这个组合，个人认为应该是目前加拿大最好的信用卡消费组合。

Scotia Momentum $99年费:加汽油&超市买菜4%返点(相当于96折),可做日常消费主力.

Capital One Travel $20年费(首年免费):所有消费2%返点,免费提供:商品延长一年保修,120天内物品丢失或者损坏全赔保险,租车保险,22天旅游医疗保险,行程取消保险,航班延误保险等等,几乎是目前加拿大最好的附带保险信用卡.

AMEX Gold $150年费(首年免费):开卡送25000点,用于Costco购物1%返点及Costco商品延长一年保修（主要用于Costco）.


AMEX CASH BACK GOLD这个卡主要问题是不免年费，而且前五千刀返点低 0.375%，除非你的消费额超过十万，否则没什么意义。

You can do the calculation. If you spend $30000 a year, this card will outperform other cashback cards.

 

[happybulb]

回复: 推荐我最喜欢的几张卡。

谢谢。你说的上面三张卡我有其中的两张。td canada trust aeroplan card，点数怎么查？怎么赎回点数（北美城市间的机票我实在不需要）？

this card will deposit your points directly to aeroplan account. You can also use the points to buy flights between China and Canada, China and Japan, China to China if Air China serves those two cities.

Very nice deal

 

[jenyin]

回复: 推荐我最喜欢的几张卡。

推荐大家可以考虑这个组合，个人认为应该是目前加拿大最好的信用卡消费组合。

Scotia Momentum $99年费:加汽油&超市买菜4%返点(相当于96折),可做日常消费主力.

Capital One Travel $20年费(首年免费):所有消费2%返点,免费提供:商品延长一年保修,120天内物品丢失或者损坏全赔保险,租车保险,22天旅游医疗保险,行程取消保险,航班延误保险等等,几乎是目前加拿大最好的附带保险信用卡.

AMEX Gold $150年费(首年免费):开卡送25000点,用于Costco购物1%返点及Costco商品延长一年保修（主要用于Costco）.


AMEX CASH BACK GOLD这个卡主要问题是不免年费，而且前五千刀返点低 0.375%，除非你的消费额超过十万，否则没什么意义。

 

[枫叶红棉]

回复: 推荐我最喜欢的几张卡。

[/color]

You can do the calculation. If you spend $30000 a year, this card will outperform other cashback cards.

$30000/Year
Cash rebate=

0.25%*2500+0.5%*2500+2%*25000=518.75

518.75-100 annual fee=418.75

418.75/30000=1.396%

1.396% is less than 2% aspire travel or 1.5% aspire cash back(discontinue)

And this is AMEX, means you could not use it widely. Is not easy for everyone to spend more than 2.5k per month on this card.

 

[happybulb]

回复: 推荐我最喜欢的几张卡。

There are so many catches with Aspire travel.

You have to redeem on travel expenses only.

If you want to redeem for 151$ travel spend, you have to use 30000 points. So you are down to 1% back.

$30000/Year
Cash rebate=

0.25%*2500+0.5%*2500+2%*25000=518.75

518.75-100 annual fee=418.75

418.75/30000=1.396%

1.396% is less than 2% aspire travel or 1.5% aspire cash back(discontinue)

And this is AMEX, means you could not use it widely. Is not easy for everyone to spend more than 2.5k per month on this card.

 

[zhaozhaocan]

回复: 推荐我最喜欢的几张卡。

Capital one aspire travel annual fee 120 but they will give you 10000 point bonus which worth 100 bucks. So the finally annual fee should be 120-100=20.

非常感谢！

 

[zhaozhaocan]

回复: 推荐我最喜欢的几张卡。

http://www.capitalone.ca/credit-car...referer=https://www.capitalone.ca/ca-homepage


you have to be very careful using this card, when you redeem. If you do not redeem certain amount, your 2% back can become 1% back. for example, if you want to redeem 151$ expense, you need to use 30000 points.

If you transaction is $200, you cannot just redeem 15000 points to pay $150, but 30000 points to pay $200.

Thanks for your information.

 

[枫叶红棉]

回复: 推荐我最喜欢的几张卡。

There are so many catches with Aspire travel.

You have to redeem on travel expenses only.

If you want to redeem for 151$ travel spend, you have to use 30000 points. So you are down to 1% back.

Guys, we're Chinese, who will redeemed 30000 Points for $150.1, what I will do is redeemed 15000 points against $149.9 or use 30000 points against $299.9 for 1.999% reward rate.

But even you're weakness in math, you still could choice redeem the point to cash at 1.5% without any hassles, still better than AMEX CASH BACK.

 

[happybulb]

回复: 推荐我最喜欢的几张卡。

Guys, we're Chinese, who will redeemed 30000 Points for $150.1, what I will do is redeemed 15000 points against $149.9 or use 30000 points against $299.9 for 1.999% reward rate.

But even you're weakness in math, you still could choice redeem the point to cash at 1.5% without any hassles, still better than AMEX CASH BACK.

so you need to make sure your travel transaction only have $149.9 dollars?

 

[枫叶红棉]

回复: 推荐我最喜欢的几张卡。

so you need to make sure your travel transaction only have $149.9 dollars?

Google is your friend. There are tones of examples tell you how to do it. I highly recommended you do some search before your question.

If you trip is $480, just require the agent separate it to $150+$150+$180, so you could easy to redeem 15000 points for $150 at 2% rate.

For me, the most favor is spend $150 to reload the Go train pass. Easy to catch the 2%.

And you could also redeem point over $600 spend without hassle.

 

[happybulb]

回复: [推荐]reward加拿大最好的信用卡+各种拿bonus的方法。

太麻烦了。每次买机票还要分成几份来花。agent问你的话，还要说：因为我想redeem points。呵呵。还google is ur friend.

 

[happybulb]

回复: 推荐我最喜欢的几张卡。

都花480了，你还分啥分，花到600，你想怎么兑换就怎么兑换。

再教你一下，你可以买票，把点数兑换了，然后退掉。

Google is your friend. There are tones of examples tell you how to do it. I highly recommended you do some search before your question.

If you trip is $480, just require the agent separate it to $150+$150+$180, so you could easy to redeem 15000 points for $150 at 2% rate.

For me, the most favor is spend $150 to reload the Go train pass. Easy to catch the 2%.

And you could also redeem point over $600 spend without hassle.

 

[枫叶红棉]

回复: 推荐我最喜欢的几张卡。

1)american express gold rewards，这个卡很多人推荐。第一年免年费，25000点，一张北美免费机票。

2）american express starwood hotel card，这个卡非常好。虽然不免年费，但是宋21000点。21000点最多可以三星酒店住7晚。价值大家可以估计，绝对超过其他信用卡宋的点。

3）american express gold cashback。这个卡对于花费很多的人来说，超级好。upto 2% cashback。上线100k,如果你花100k一年，可以得到将近2000反线。现在还送100$.去greatcanadianrebate.com注册就可以了。

3） td canada trust aeroplan card,现在申请，免一年的年费。加油或者买菜送50%多点。

http://www.capitalone.ca/credit-cards/aspire-travel-world/?Log=1&EventType=Link&ComponentType=G&LOB=MTS%3A%3ALCTMMBESH&PageName=CA+HOME&PortletLocation=4%3Bca-12-col%3B1-1-2-1&ComponentName=Ca+homepage+man+and+woman+double+miles+banner%3B6&ContentElement=1%3B%2Fmedia%2Fbanner%2Fcanada%2FBanner_Aspire_940x425.fw.png&TargetPageName=%2Fca%2Fcredit-cards%2Faspire-travel-world&referer=https%3A%2F%2Fwww.capitalone.ca%2Fca-homepage


you have to be very careful using this card, when you redeem. If you do not redeem certain amount, your 2% back can become 1% back. for example, if you want to redeem 151$ expense, you need to use 30000 points.

If you transaction is $200, you cannot just redeem 15000 points to pay $150, but 30000 points to pay $200.

[/color]

You can do the calculation. If you spend $30000 a year, this card will outperform other cashback cards.

this card will deposit your points directly to aeroplan account. You can also use the points to buy flights between China and Canada, China and Japan, China to China if Air China serves those two cities.

Very nice deal

There are so many catches with Aspire travel.

You have to redeem on travel expenses only.

If you want to redeem for 151$ travel spend, you have to use 30000 points. So you are down to 1% back.

太麻烦了。每次买机票还要分成几份来花。agent问你的话，还要说：因为我想redeem points。呵呵。还google is ur friend.

都花480了，你还分啥分，花到600，你想怎么兑换就怎么兑换。

再教你一下，你可以买票，把点数兑换了，然后退掉。

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

你自己为了用掉积分，连定全价票再退都做得出来，懂得这样操弄还假装什么都不懂，用马甲用英文诋毁其他信用卡公司，故意误导别人说其他卡只能有1%返点。



你这样的做法无非就是因为其他信用卡没有Amex的推荐奖励罢了。我自己也有AMEX，别人通过我的链接申请我也可以有推荐奖励，而且我还愿意多送别人55刀，但我不会因此而把所有其他信用卡都说成是不好，也不会像你那样把明明是非常垃圾的AMEX cash back说成是比任何卡都好，太违背良心了。