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#8740123 - 07/28/16 10:51 AM Costco cash-back stacking? vGCAsian vLimited
furball Offline
Post Master Sr


Registered: 09/24/03
Posts: 9483
Loc: Toronto, ON
a) Upgrade to Executive membership @ $110, get 2% cash-back
- Enjoy a 2% Reward up to a maximum of $750 per year on most Costco purchases.

b) Capital One Platinum Costco Mastercard:
- Get 3% on restaurant purchases, 2% on gas purchases and up to 1% on all other purchases
- No limit on how much you can earn
- No annual fee


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#8740128 - 07/28/16 10:54 AM Re: Costco cash-back stacking? vGCAsian vLimited [Re: furball]
Risky Business Offline
Provides a Great Work Environment. he/him
Post Master Supreme


Registered: 05/17/10
Posts: 44789
lol Aspire TravelTM World Elite MasterCard is better than both of those turds.

why are people so slow to learn?

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#8740142 - 07/28/16 11:01 AM Re: Costco cash-back stacking? vGCAsian vLimited [Re: Risky Business]
Choco 'Nuck Offline
Proud Member of BLM
Post Master Supreme


Registered: 07/10/01
Posts: 17568
Loc: Somewhere out there
 Originally Posted By: Risky Business
lol Aspire TravelTM World Elite MasterCard is better than both of those turds.

why are people so slow to learn?

dis

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#8740152 - 07/28/16 11:07 AM Re: Costco cash-back stacking? vGCAsian vLimited [Re: furball]
porschetr Offline
Post Master Supreme


Registered: 05/15/01
Posts: 23391
Loc: WBridge
 Originally Posted By: furball
a) Upgrade to Executive membership @ $110, get 2% cash-back
- Enjoy a 2% Reward up to a maximum of $750 per year on most Costco purchases.

b) Capital One Platinum Costco Mastercard:
- Get 3% on restaurant purchases, 2% on gas purchases and up to 1% on all other purchases
- No limit on how much you can earn
- No annual fee



Ya. You get two separate cheques.
_________________________



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#8740165 - 07/28/16 11:22 AM Re: Costco cash-back stacking? vGCAsian vLimited [Re: porschetr]
Choco 'Nuck Offline
Proud Member of BLM
Post Master Supreme


Registered: 07/10/01
Posts: 17568
Loc: Somewhere out there
We have an executive membership, the cashback more than pays for itself. We do use the Aspire travel MC. Have over 327,000 points now ($3270 to put to travel). Why get 1% cash back when you can get 2%.....
gradeschool math

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#8740204 - 07/28/16 11:47 AM Re: Costco cash-back stacking? vGCAsian vLimited [Re: Choco 'Nuck]
iamfob Offline
Post Master Supreme


Registered: 09/06/02
Posts: 24697
Loc: Out There
My choice of Mastercard
https://www.bmo.com/main/personal/credit-cards/bmo-rewards-world-elite-mastercard
_________________________
FTMFW!!!

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#8740230 - 07/28/16 12:20 PM Re: Costco cash-back stacking? vGCAsian vLimited [Re: iamfob]
SW20_MR2 Offline
Post Master Sr


Registered: 08/27/01
Posts: 5282
Loc: Markham, Ontario, Canada
Some people might not spend enough to justify the $150 fee on the Cap One Aspire card. I use a combo of Cap One Costco card and Tangerine card to get 2% on 5 categories. Gets me a good rebate each year and no fees.
_________________________
1991 MR2 Turbo aka "The Myth"...does it really exist?
2006 Mazda3 Sport aka "Reality"...it really does exist...

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#8742115 - 07/29/16 09:14 PM Re: Costco cash-back stacking? vGCAsian vLimited [Re: SW20_MR2]
Simon_the_Pieman Offline
Post Master Sr


Registered: 08/13/01
Posts: 9457
Loc: The A
i use cap one aspire and love it, but the tangerine benefits are getting better and better.
_________________________
"I'd love it if we did it... but I guess I'm a big skeptic on Canadians because so many are retarded as fuck." - 355-Si, 2020

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#8742168 - 07/29/16 10:35 PM Re: Costco cash-back stacking? vGCAsian vLimited [Re: Simon_the_Pieman]
xza8 Offline
Sr Member


Registered: 12/18/09
Posts: 1065
https://www.tdcanadatrust.com/products-s...vilege-card.jsp

1.25 Aeroplan per dollar spent.

Recently redeemed, it cost 50K Aeroplan to fly business to SFO/LAX, which I would've reasonably pay $1,500 for that flight but had to pay $100 in taxes so $1,400 value. Would take $40,000 spending to earn 50K Aeroplan. $1,400 / 40K = a reasonable 3.5% reward. If you take the business tickets at face value, it would be $3,200 / 40K = 8%.

If you never plan to fly business or some short-haul flights (rant: who the fucks pays $600-$800 to fly to Winnipeg, a 2 hour flight when you can fly to LA for less unless you are visiting family but the funny thing is there are quite a number of flights to Winnipeg per day and every time I fly, it is full).

Before someone complains about Aeroplan blackout dates... they've changed it now. I booked 2 J tickets last minute and was able to find reasonable direct flights. Also, you can take advantage of Mini RTW tickets where you use your points to book an overseas trip and have 2 additional stopovers (e.g., UK, Italy, Germany) on the same amount of points to just UK/Italy/or Germany.

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#8742171 - 07/29/16 10:39 PM Re: Costco cash-back stacking? vGCAsian vLimited [Re: xza8]
porschetr Offline
Post Master Supreme


Registered: 05/15/01
Posts: 23391
Loc: WBridge
 Originally Posted By: xza8
https://www.tdcanadatrust.com/products-services/banking/credit-cards/view-all-cards/aeroplan-infinite-privilege-card.jsp

1.25 Aeroplan per dollar spent.

Recently redeemed, it cost 50K Aeroplan to fly business to SFO/LAX, which I would've reasonably pay $1,500 for that flight but had to pay $100 in taxes so $1,400 value. Would take $40,000 spending to earn 50K Aeroplan. $1,400 / 40K = a reasonable 3.5% reward. If you take the business tickets at face value, it would be $3,200 / 40K = 8%.


Annual Fees $399
$200,000 Annual household income
\:\|
_________________________



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#8742174 - 07/29/16 10:44 PM Re: Costco cash-back stacking? vGCAsian vLimited [Re: porschetr]
xza8 Offline
Sr Member


Registered: 12/18/09
Posts: 1065
https://www.tdcanadatrust.com/products-s...argin-top-small

This one more reasonable if you spend less than 40,000 (assumed reward rate of 3%) to justify the premium (0.25 Aeroplan miles more per dollar spent).

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#8742310 - 07/30/16 06:01 AM Re: Costco cash-back stacking? vGCAsian vLimited [Re: porschetr]
Choco 'Nuck Offline
Proud Member of BLM
Post Master Supreme


Registered: 07/10/01
Posts: 17568
Loc: Somewhere out there
 Originally Posted By: porschetr
 Originally Posted By: xza8
https://www.tdcanadatrust.com/products-services/banking/credit-cards/view-all-cards/aeroplan-infinite-privilege-card.jsp

1.25 Aeroplan per dollar spent.

Recently redeemed, it cost 50K Aeroplan to fly business to SFO/LAX, which I would've reasonably pay $1,500 for that flight but had to pay $100 in taxes so $1,400 value. Would take $40,000 spending to earn 50K Aeroplan. $1,400 / 40K = a reasonable 3.5% reward. If you take the business tickets at face value, it would be $3,200 / 40K = 8%.


Annual Fees $399
$200,000 Annual household income
\:\|

Not just that, Aeroplan is such shit. The black out dates, the threat of points expiring, the devaluation of points. Fuggedabout it.
Isn't everyone in the ontario forum 200k HHI though?

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#8742325 - 07/30/16 08:05 AM Re: Costco cash-back stacking? vGCAsian vLimited [Re: Choco 'Nuck]
SW20_MR2 Offline
Post Master Sr


Registered: 08/27/01
Posts: 5282
Loc: Markham, Ontario, Canada
If you want the 1.25 earn rate on Aeroplan, get the Amex small business platinum. It's about $400 as well. You earn Amex MR points which can be transferred to Aeroplan at a 1:1 ratio. They never expire so just transfer to Aeroplan when you need to. You will also get to go in the express lanes at Pearson. Ofcourse, this is assuming that it's accepted at where you shop.
_________________________
1991 MR2 Turbo aka "The Myth"...does it really exist?
2006 Mazda3 Sport aka "Reality"...it really does exist...

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#8742404 - 07/30/16 10:34 AM Re: Costco cash-back stacking? vGCAsian vLimited [Re: SW20_MR2]
Risky Business Offline
Provides a Great Work Environment. he/him
Post Master Supreme


Registered: 05/17/10
Posts: 44789
 Originally Posted By: xza8
https://www.tdcanadatrust.com/products-services/banking/credit-cards/view-all-cards/aeroplan-infinite-privilege-card.jsp

1.25 Aeroplan per dollar spent.

Recently redeemed, it cost 50K Aeroplan to fly business to SFO/LAX, which I would've reasonably pay $1,500 for that flight but had to pay $100 in taxes so $1,400 value. Would take $40,000 spending to earn 50K Aeroplan. $1,400 / 40K = a reasonable 3.5% reward. If you take the business tickets at face value, it would be $3,200 / 40K = 8%.

If you never plan to fly business or some short-haul flights (rant: who the fucks pays $600-$800 to fly to Winnipeg, a 2 hour flight when you can fly to LA for less unless you are visiting family but the funny thing is there are quite a number of flights to Winnipeg per day and every time I fly, it is full).

Before someone complains about Aeroplan blackout dates... they've changed it now. I booked 2 J tickets last minute and was able to find reasonable direct flights. Also, you can take advantage of Mini RTW tickets where you use your points to book an overseas trip and have 2 additional stopovers (e.g., UK, Italy, Germany) on the same amount of points to just UK/Italy/or Germany.


I would totally get this card, but it doesn't seem worth it.

Based on your example above to fly SFO/LAX in economy is $550-$750 round trip depending on date, seat sale, with Air Canada.

40k spend on aspire travel is $800
40k spend on td is $1,400 if the stars/dates/whatever align, except you travel business, where the above card doesn't.

So really, net/net, i think the aspire travel provides greater benefit because if i find a 550 seat sale, i don't have to use up my full 800 of rewards cash.

It's not an apples to apples comparison, but i guess the biggest difference here is one card gives you a better seat (if lucky), but the aspire travel will still cover more flying miles than the other...willing to open this for a discussion as that's how I interpret it, but i don't churn.

If the TD one is better i will switch asap.

I want to know what snapper thinks too.

I've done a few mileage tests on multiple occasions and no aeroplan or any other card can touch the capital one aspire because it's a No Frills card while the rest have all kinds of perks that i wouldn't use anyway and they only distract for the lower miles given.

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#8742493 - 07/30/16 12:58 PM Re: Costco cash-back stacking? vGCAsian vLimited [Re: Risky Business]
xza8 Offline
Sr Member


Registered: 12/18/09
Posts: 1065
Amex sucks... its hardly accepted so you will definitely need to carry another credit card. I live in Markham so 99% not accepted. I had the platinum for 3 years and then realized how tiring it was to ask the merchant if they accept Amex. The customer service at Amex isn't that great either.
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#8748526 - 08/04/16 03:11 PM Re: Costco cash-back stacking? vGCAsian vLimited [Re: xza8]
iamfob Offline
Post Master Supreme


Registered: 09/06/02
Posts: 24697
Loc: Out There
Another reason why I wasn't sad when Costco stopped accepting AMEX.

I am happy with my BMO World Elite MC since I got it last year. It has done me good so far (very similar to the Capital One Aspire Travel MC)
_________________________
FTMFW!!!

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