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Have you found a suitable replacement??

by xodast 7y ago

Scoundreller 7y ago
HomeTrust Visa: https://www.hometrust.ca/credit-cards/preferred-visa-card/ https://www.hometrust.ca/credit-cards/preferred-visa-card/ Similar to Chase Amazon: no forex charge. No annual fee. Pro: Includes roadside assistance and rental collision insurance, 1% cashback Pros/Cons: Doesn't support tap/RFID payment. Cons: Application can take forever (not sure about current state). Cons: Higher foreign ATM withdrawal fee than Amazon (1.5% vs 1%, with similar minimum fee
- fouc 7y ago
  Thanks, any idea if there's also one with no ATM fees?
  - Scoundreller 7y ago
    Don't believe so. If there are, they're in the $100+/year annual fee club.
  - Marsymars 7y ago
    Stack MasterCard or Koho Visa, you just have to be aware of their withdrawal limits.
    - bpye 7y ago
      Stack is great until it's not. Don't let it be your only card. I was in Taiwan and couldn't load the card as they were having trouble with their Interac processor. Luckily I have a UK Monzo card that kind of saved the day for ATM transfers. My Canadian bank charge a stupid amount on ATM withdrawals.
Marsymars 7y ago
I use Home Trust like the other poster, but Rogers is also an alternative if you can deal with their weird forex structure and the general unpleasantness of dealing with Rogers. (2.5% forex fee and then 4% cashback on forex transactions, so you still get hosed on forex if you ever get refunds on the card) Home Trust has a few annoyances too, most notably a 10-transaction per day limit that you can run into when travelling. Otherwise Scotiabank Gold Amex recently dropped their forex fee and might work for you depending on spending habits.
- Scoundreller 7y ago
  My primary beef with the Rogers card is that it’s Rogers.
FigBug 7y ago
I use Rogers World Elite Mastercard 4% cash back in a foreign currency 2% cash back on Rogers' services 1.75% cash back otherwise Rental car insurance Airport lounge access No fee

Have you found a suitable replacement??

by xodast 7y ago

Have you found a suitable replacement??

HomeTrust Visa: https://www.hometrust.ca/credit-cards/preferred-visa-card/ https://www.hometrust.ca/credit-cards/preferred-visa-card/ Similar to Chase Amazon: no forex charge. No annual fee. Pro: Includes roadside assistance and rental collision insurance, 1% cashback Pros/Cons: Doesn't support tap/RFID payment. Cons: Application can take forever (not sure about current state). Cons: Higher foreign ATM withdrawal fee than Amazon (1.5% vs 1%, with similar minimum fee

fouc 7y ago
Thanks, any idea if there's also one with no ATM fees?
- Scoundreller 7y ago
  Don't believe so. If there are, they're in the $100+/year annual fee club.
- Marsymars 7y ago
  Stack MasterCard or Koho Visa, you just have to be aware of their withdrawal limits.
  - bpye 7y ago
    Stack is great until it's not. Don't let it be your only card. I was in Taiwan and couldn't load the card as they were having trouble with their Interac processor. Luckily I have a UK Monzo card that kind of saved the day for ATM transfers. My Canadian bank charge a stupid amount on ATM withdrawals.

Marsymars 7y ago

I use Home Trust like the other poster, but Rogers is also an alternative if you can deal with their weird forex structure and the general unpleasantness of dealing with Rogers. (2.5% forex fee and then 4% cashback on forex transactions, so you still get hosed on forex if you ever get refunds on the card) Home Trust has a few annoyances too, most notably a 10-transaction per day limit that you can run into when travelling. Otherwise Scotiabank Gold Amex recently dropped their forex fee and might work for you depending on spending habits.

Scoundreller 7y ago
My primary beef with the Rogers card is that it’s Rogers.

FigBug 7y ago

I use Rogers World Elite Mastercard 4% cash back in a foreign currency 2% cash back on Rogers' services 1.75% cash back otherwise Rental car insurance Airport lounge access No fee