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No one asked, but my current CC lineup

Posted by Reagen Jan 20 '24, 07:33

AMEX Gold - bonus chasing. Referral rebate + travel credit will pay for the first year. $1000/mo spend for monthly bonus, put away after that. Lounge pass access (which I've used!) Will cancel before 2nd year. meh earner. Cool card though, nice thunk.

TD Aeroplan Visa Infinite - bonus chasing, FYF. Will cancel after yearly spend hit. Poor earner, but useful this particular year, for first bag free on AC.

RBC West Jet World Elite MC- poor earner but will stay in the wallet forever because of the buddy pass and first bag free which saves 600-1000 per year.

Tangerine World MC - no fee, 2% on rotating categories. Useful travel perks.

Scotiabank Scene - no fee, poor earner except at movie theaters. Oldest card, barely used. useful to keep the age of credit history up.

HSBC Cashback MC - was a bonus chase. Have a bit of cashback remaining, need to just burn and cancel.

BMO World Elite MC - cash back, bonus chase, to be cancelled soon.

Canadian Tire Triangle World Elite - no fee, 4% Canadian Tire Money at the CT family of stores, allows bill payment for power, water and property taxes without a surcharge. Roadside assistance built in. (also have the regular CT Triangle, but only as it's burning off a no interest payment, and will be allowed to die on the vine)

AMEX Bonvoy - for the status! Annual one night stay. Not used all that much.

Recently cancelled:
AMEX Cobalt - best overall earner, but I can't justify a fee card that I'm not using and doesn't have an annual perk. Will probably replace it at some point, but maybe just with AMEX Green.

May apply soon: Simplii Cash Back - pure bonus chase.

Responses:

Citi Costco card. With premium membership I get 6% off the already cheapest gas. That's it -- nm - zeitgeist Jan 20, 11:49
I got the Chase Sapphire for the miles. Once I meet the threshold, should I get the Bonvoy for the free night? -- nm - Mop🧹 Jan 20, 11:08
I know, I know. I consider a credit card a convenient payment method. I cash in points when I have them, but I’m not about the points. -- nm - Dano Jan 20, 09:20 2
- You're all about that bass? -- nm - crash davis 😺 Jan 20, 09:30 1
  - No treble. -- nm - Dano Jan 20, 09:54
Mine - znufrii Jan 20, 09:04
I guess we’re doing this -- (edited) - spamlet Jan 20, 08:57 4
- I suppose I should grab an Amazon card at some point but they're not as good here. -- nm - Reagen Jan 20, 09:11 3
  - I’ve been eyeing the CapitalOne Venture X but it’s a higher fee card and I haven’t felt like provoking a fight lately. - spamlet Jan 20, 09:18
  - I made the mistake of adding up all of our Amazon purchases for the year. - Znufrii, promoted Jan 20, 09:14
  - My experience with the Amazon card so far is "Cool, I've got all this in a reward!" followed immediately by guilt and shame -- nm - crash davis 😺 Jan 20, 09:12
I have an American Express card. I use it to buy the things I need. -- nm - Volnelk Jan 20, 08:06 4
- But the points! The points!!! *raises hands skyward* -- nm - Reagen Jan 20, 08:13 3
  - The added stress of having nine credit card accounts isn’t worth any amount of points they could offer me. -- nm - Volnelk Jan 20, 09:43 2
    - We have a shared Apple note to help remind my wife but I’m not gonna yell if the wrong one is used. -- nm - spamlet Jan 20, 10:02 1
      - ...because she is smart enough to make my demise look like an accident. - Will Hunting Jan 20, 10:34
I just have the 3 I've had for years. A Citi Aadvantage card that we got for the airmiles. At some point Citi offered an associated Amex card which - Meg Jan 20, 07:58
Mastercard is our go-to as it doubles as a Costco membership card and can use their in lieu of cash and touch makes it fast for gas fill-ups -- (edited) - Beaker 🍻 Jan 20, 07:45 2
- Don’t all cards have tap to pay now? -- nm - Mop🧹 Jan 20, 07:47 1
  - not for gas at Costco. Have to insert membership card, then pay. This MC is just tap and fillup; smallm time savings but when -20C it is great -- nm* - Beaker 🍻 Jan 20, 07:50
heh, I have 2 -- I only use one and the other I've had for 25 years and keep it alive for credit score purposes alone -- nm - Fuzzy Jan 20, 07:44 1
- This is very much a choice and a lifestyle. -- nm - Reagen Jan 20, 08:13
In your particular case, wouldn't the Canadian Tire Triangle World Elite have more status than the AMEX Bonvoy? -- nm - crash davis 😺 Jan 20, 07:36 1
- "Step aside peasants, CT Royalty coming through" -- nm - Reagen Jan 20, 07:39

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No one asked, but my current CC lineup

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