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枫下家园 / 钱财税务 / 看了一圈信用卡,发现这个开户送$100gift card的Scotia Momentum VISA Infinite Card, 4% Cash Back, 第一年免年费应该是目前最好的信用卡,昨晚online申请,24小时内就批下来了。
-5678b(Summer);
2014-8-6
(#8916110@0)
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有个问题哦:如果你确定能继续用下去,当然可以;但是这个卡每年11月统一发rebate,等你用到明年8月发现你不想继续下去,你就lost从今年11月到明年8月的cash back!
-akoei(停车**枫林晚);
2014-8-7
(#8916745@0)
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是的。所以这个卡其实在12月或者1月申请比较合适
-watergrey(小西瓜小灰);
2014-8-7
(#8917347@0)
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不过无论加油还是买菜,每月还是有迹可寻比较固定的。所以11月拿到返还后最好做个统计,看看自己到底4%的能花多少;2%的就更好统计了。1%的就算了,满地都是1%的信用卡
-akoei(停车**枫林晚);
2014-8-7
(#8917610@0)
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Since it has annual fee, really doesn't worth the hassles for just using it for one year.
-verano(Summer);
2014-8-7
(#8917803@0)
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Which one is good?
-redneck(Cracker);
2014-8-7
(#8917820@0)
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Capital One Aspire Travel Platinum MasterCard
-jeffrey815(Smartiecat);
2014-8-7
(#8917823@0)
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Annual fee $120 ?
-redneck(Cracker);
2014-8-7
(#8917831@0)
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- Anniversary Bonus of $100 = Annual Fee = $20 but with 2% rebate on everything
-jeffrey815(Smartiecat);
2014-8-7
(#8918262@0)
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关键是他的点换钱容易吗?我现在的aspire cash没有年费,是所有东西1.5%,直接cash,也不错
-akoei(停车**枫林晚);
2014-8-8
(#8919032@0)
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我查了capital one的网站,这个卡的50%bonus返还已经消失了,也就是说你这个卡可能只能得到1%的rebate
-mooncolor(新手);
2014-8-8
(#8919122@0)
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You can use the points for all travel related reimbursement. You pay first and get $ back. I have no trouble redeeming the points so far, mostly on air tickets.
-jeffrey815(Smartiecat);
2014-8-8
(#8919804@0)
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所以对于travel少的人没什么意义
-akoei(停车**枫林晚);
2014-8-8
(#8919884@0)
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对呀
-5678b(Summer);
2014-8-8
(#8920677@0)
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1. the point does not expire; 2. you don't have to travel often. a 1000 air ticket means you need to spend 1000/2% = 50000 on the card. Most people can't spend that much in a year anyway.
-jeffrey815(Smartiecat);
2014-8-8
(#8920715@0)
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LOL... Sounds like you don't get it. People are just interested in $100 GC, and high percentage rebate rate, plus first year annual fee waived.Then, most of them would cancel the card year after. It is the GAME PLAY (of seeking the deals) for those type of people, but not just money.
-atlantic_man(atlantic_man);
2014-8-7
{141}
(#8917876@0)
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每个月的帐单都有cash back summary,4%, 2% and 1%的都会单独列出。
-caohe(bunny);
2014-8-7
(#8918567@0)
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丰泰是4%吗?
-watergrey(小西瓜小灰);
2014-8-8
(#8918721@0)
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鼎泰,鸿泰都是4%,丰泰不怎么去,没印象。另外如果要去任何不是4%的店买东西而这店又发行gift card的话,你去加油站等地儿买gift card再去店里消费就相当于4%rebate
-caohe(bunny);
2014-8-8
(#8919012@0)
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没看懂。能举列么?比方说要在Walmart买东西, 1% only?
-funtrip(funtrip);
2014-8-8
(#8919022@0)
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要看merchant code, 信用卡公司是凭借code来判断的。MC和VISA的有点小不同。N泰,walmart supercenter的应该都是grocery。一般walmart的好像是列为warehouse就不是了。
-uno(无双);
2014-8-8
(#8919041@0)
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对于scotia的这张卡walmart的超级中心也只有1%
-akoei(停车**枫林晚);
2014-8-11
(#8924004@0)
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比如说要去Canadian Tire,Pizza Pizza 等店,直接刷卡是1%,但你去加油站买Cdn Tire, Pizza Pizza家的gift card就有4%,然后再用gift card去购物。
-caohe(bunny);
2014-8-8
(#8919495@0)
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我家的这个卡是每个月的rebate都自动当作Credit算到下个月帐单阿
-izziegg(heyyyyy);
2014-8-7
(#8917918@0)
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你确定是同一种卡?我的卡online账户有写每年11月返还
-akoei(停车**枫林晚);
2014-8-7
(#8918102@0)
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我有一张年费$39的,是每年11月返还。用了几年,基本每年返还都超过年费。这个卡第二年后年费$99, 根据第一张卡的返还,足已超过年费,所以打算用下去,除非有更好的deal.
-5678b(Summer);
2014-8-7
(#8918129@0)
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我看错了。。。 嘿嘿嘿
-izziegg(heyyyyy);
2014-8-7
(#8918247@0)
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如果将来不想用这个卡了可以取消吗?再说了取消会不会困难,他们不同意?
-springtree(xi wang);
2014-8-7
(#8918151@0)
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没有不能取消的卡,那不是强买强卖了。不知道有没有人知道,如果取消,影不影响信用?因为象这个卡第一年免年费,还送$100 Gift Card, 肯定是吸引很多人至少第一年用。
-5678b(Summer);
2014-8-7
{77}
(#8918211@0)
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Capital One Aspire TravelTM World MasterCard: 2% return, $120 annual fee. 10,000 anniversary bonus miles every year ($100 value). It is like $20 annual fee for 2% return.
-wnms2000(乘风归去);
2014-8-8
(#8918769@0)
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这个10,000 anniversary bonus miles除了Travel, 还能干嘛?
-5678b(Summer);
2014-8-8
(#8919755@0)
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Pay for all travel related expenses. hotel/car rental/air ticket.
-jeffrey815(Smartiecat);
2014-8-8
(#8920719@0)
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除了Travel, 还能干嘛?
-5678b(Summer);
2014-8-9
(#8921665@0)
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Nothing else. But most people are expected to travel at least once a year, either for fun, obligation, or businesses.
-jeffrey815(Smartiecat);
2014-8-11
(#8923306@0)
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你也可以要求他们给你支票,只不过那样的返还比例不如机票,酒店之类的比例高
-gao_xp(54飘雪);
2014-8-11
(#8923439@0)
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也用这个卡,目前感觉不错,redeem的时候,要600多以上的开销才值得
-gao_xp(54飘雪);
2014-8-11
(#8923435@0)
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也不一定,比如290块用30000点redeem也可以,600以上是没有损失
-wolves(酸梅汤);
2014-8-12
(#8925404@0)
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我曾经写了一个用这个卡的一个办法,结果到现在4%返还已经到顶。
-tzm_oasis(绿洲);
2014-8-10
(#8921879@0)
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这个看起来很强大。一年加1200升油的话,$60的prepaid visa年费就回来了。
-watergrey(小西瓜小灰);
2014-8-11
(#8923752@0)
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MARK.
-5678b(Summer);
2014-8-11
(#8924755@0)