Canadian Credit Cards - Best Perks - Page 5
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Thread: Canadian Credit Cards - Best Perks

  1. #41
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    Quote Originally Posted by cedebe View Post
    No, the other alternative is to get the Home Trust Preferred Visa as mentioned in my original post. I was wondering if anyone here had it, but it seems no one else has even heard of it.
    Do you have the card? Even for a no fee card, it doesn't seem to have many features?

    Last edited by twa2w; 2017-04-20 at 12:57 AM.

  2. #42
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    Second Paragraph:

    As of April 3, 2017, we are no longer accepting applications for the Amazon.ca Rewards Visa Card and there is no other way to get the card at this time.

  3. #43
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    Quote Originally Posted by twa2w View Post
    Do you have the card? Even for a no fee card, it doesn't seem to have many features?
    I've applied for the card and am waiting to hear back. The primary feature of the card for me is the fact that there are no forex fees. The majority of my purchases are outside of Canada, so this is a very big deal.

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  5. #44
    Senior Member kcowan's Avatar
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    Quote Originally Posted by gibor365 View Post
    I read it, but I couldn;t find any info that this card will be gone competely
    No there have been no withdrawal announcements. I suspect they are revisiting their terms, and will reopen apps when those terms are finalized. e.g. 1% cashback does not motivate me to use the card unless it is in a foreign currency, then it is 3.5% savings. I have some knowledgeable forum acquaintances that don't get it, and think that ATMs give comparable FX.

  6. #45
    Senior Member zylon's Avatar
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    I used my Chase-amazon-rewards-Visa for a USD purchase this week.
    - looks like I was dinged about 2.5% fx conversion.
    - so much for that little fx-free perk.

  7. #46
    Senior Member m3s's Avatar
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    Be weary of establishments who will charge your home currency by default.. hence scoring the 2.5% bonus for themselves.. ask for the local currency..

    I should look at using amazon visa for foreign cash advances again. The fine print says 1% fee with a $5 min charge, so above $200 should beat a debit card

    I believe the reason I chose to get foreign cash with the TD debit card is because it incurred fewer foreign ATM charges (but now it says only in NA..)
    amat victoria curam

  8. #47
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    Quote Originally Posted by zylon View Post
    I used my Chase-amazon-rewards-Visa for a USD purchase this week.
    - looks like I was dinged about 2.5% fx conversion.
    - so much for that little fx-free perk.
    I've only ever been dinged on Ebay when the option to convert to CAD was 'on.'

  9. #48
    Senior Member zylon's Avatar
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    Quote Originally Posted by cedebe View Post
    I've only ever been dinged on Ebay when the option to convert to CAD was 'on.'
    It might be a recent change;
    I hadn't used my card for quite a while until this week.

  10. #49
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    Quote Originally Posted by zylon View Post
    It might be a recent change;
    I hadn't used my card for quite a while until this week.
    Chase's website clearly states there are no additional surcharges--same info as always. Things are different if you're making Ebay purchases, however, if you select the 'credit card' option instead of Paypal... then you'll get dinged for fees by Paypal as they convert the currency into CAD and give themselves a percentage for their trouble.

  11. #50
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    We used our Chase Marriott card for Visa and cash advances from Jan through to mid March in South and Central America and in a few US airports.

    I check the FX rates every so often. They were all coming over at the XE website FX rate down to the the third decimal point.

    Same for cash advances. Great deal for the bank. They give us 1/2 percent interest on our balance, then charge 2.5 percent to withdraw. No wonder their stock is such a solid investment.

    If we use our bank ATM card outside Canada our bank rate was consistently 2.5 to 3 percent highter than the XE website rate. Plus they dinged me $5. Marriott Visa cash advance charges 1 percent, minimum $5. May not seem like a lot but when you use foreign ATM's frequently it adds it. Plus, we often either avoid and extra merchant charge for using a credit card or we get a discount for cash. Either way it is a win win.


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