what credit cards do ya’ll use?

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Amex plat

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If you want a referral code let me know xD

funny

In terms of cards with no annual fees, I use the Simplii Visa for first 5k of restaurant spend, then Costco MasterCard for the rest. PC MasterCard for Esso gas and No Frills/Loblaws. Rogers World Elite MC and Tangerine MC for most other things.

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Yes. It’s free and the return at stores that do optimum points is very good.

CIBC Aventura Infinite for everything. Fees waived every year.

Yes. That’s the same with CIBC.

Cobalt + Tangerine MC + Home Trust (no fx for travel/USD purchases)

I had the OG Chase Amazon card until Chase exited Canada, so same stack haha

Scotiabank amex gold

Three main reasons:
1. Scotia gold has a higher points earn rate than amex gold (more similar to amex cobalt earn rate)
2. $0 annual fee since I'm already a scotia customer
3. 0% fx rate

RBC Avion

AMEX Aeroplan Reserve

Amex Plat

Amex platinum

The BMO Cashback world elite is really good. It's got great perks like 5% Cashback on groceries.

Isn’t it 5% on only the first $500 of groceries?

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