CashbackForex - Cash Back Forex Rebates

Off-Topic • Now Bitcoin can deposit for Trading Forex and get Cashback

submitted by btcforumbot to BtcForum [link] [comments]

Thrills Casino (PNP) Free Spins and No Deposit Bonus

Thrills Casino (PNP) Free Spins and No Deposit Bonus

Thrills Casino Gratis Spins and Free Bonus
Welcome to Thrills Casino - Pay N Play Casino - the best free spins bonuses! Play now and collect no deposit bonus after log in. Exclusive promotions, free play games, progressive jackpots, big winners and fast payments!
>> Click Here To Play and Win <<

About THRILLS CASINO ONLINE

Thrills Casino has been online ever since 2013. The past years have been more than enough for the operator to establish itself as a fan-favourite gambling destination. Over time, the operator has shown that customers are its top priority by providing them with high-quality customer care, excellent bonus offers and user-friendly policies in general. Moreover, Thrills com casino boasts with creativity and uniqueness thanks to its very cool and modern design. All these impressive things pair well with more than 1,400 top-notch gambling games.
Thrills online casino launched as a new and exciting gambling site where players feel appreciated. The first strength of this operator, as well as the most obvious one, is the creative design that features nice colours and several casino mascots. The casino theme is strongly present throughout the entire site. This gives players a sense of belonging as they quickly attach to the mascots and feel more comfortable. A couple of years ago, the operator went through a serious transformation and, as a result, Thrills became a Pay N Play casino. The venue is now a devout promoter of responsible gaming.

BONUSES AND PROMOTIONS

Many web-based operators fail to welcome users appropriately. Sadly, not every operator understands the importance of online casino promotions. But Thrills online casino sure does. Thrills com casino is not your run-of-the-mill casino in a way that it does not offer a Welcome Bonus.
Rumours about the non-existent Welcome Bonus swirled around the web, so we personally reached out to the Customer Support to verify the info. And the truth is that there is no Welcome Bonus for newcomers. This is partly due to the fact that the casino is a Pay N Play casino (i.e. all cash transactions to and from the casino go through Trustly) and partly because it is dedicated to safe gaming.
Moreover, the lack of Welcome Offers does not hinder your experience at the venue. If anything, it strengthens it. The operator cares about your safety, and the fact that they eliminated the Welcoming Bonus means they are a safe place to play at.
That still doesn’t mean that there are no other offers at the casino.
When you become a registered player at Thrills com casino, you will instantly become eligible for a myriad offers that fall into the category of Thrills casino bonuses. BestCasinos.com team made sure to make a sweep of all new Thrills casino bonus codes. You might not need the latest Thrills casino bonus code 2020, but you still get to enjoy Cashback. The best current promo offer at Thrills com casino is the 10% Cashback which you can get every Monday. The formula for calculating Cashback is (bets minus wins (Monday 00:01 – Sunday 23:59 UTC)) * 10%. The minimum amount you can receive as Cashback is €1, while the maximum sum is €1,000. You are always equipped for the best possible experience over at Thrills online casino. As a Pay N Play casino, Thrills online casino always delivers a fast and secure experience.
>> Click Here To Play and Win <<

CASINO GAMES OFFERED

The library is the most important part of an offer at a gambling site. Like all our rated and reviewed venues, Thrills casino features hundreds of gambling games. There are over 1,400 games by several well-established game developers like Microgaming, Betsoft and Play’n GO, plus industry-leader NetEnt powers the site. In other words, players can find a game to suit their taste, regardless whether they prefer exciting video slots, traditional classic slots or creative variants of popular table games. Moreover, the venue features a wide range of live dealer games as well, where players can enjoy an authentic casino atmosphere from the comfort of their home.
A list of the games they offer: Live games, Slots, Roulette, Video Poker, Blackjack, Keno, Scratch cards, Bingo, Pai Gow and dozens of others. Regardless of your preference, this operator will deliver the best quality content that you can find in the industry right now. Popular releases like Reactoonz and Book of Dead are right at the top of the featured list. Piggy Riches, Bonanza – you name it. If you decide to check out the latest releases, just switch over to the New Games tab and enjoy the hottest arrivals to the online gambling scene.

BANKING METHODS

In September 2018, Thrills switched to a Pay N Play casino. This means all banking is handled via Trustly through your online bank. When you visit the site, you will instantly get an option to deposit your chosen sum via this banking method. The lack of other payment methods might be off-putting, but we assure you that it is not a problem. Pay N Play casinos (Trustly-powered operators) are safe, easy to navigate and boast speedy transactions.
>> Click Here To Play and Win <<

DEPOSIT METHODS

Trustly is the only deposit option offered to players of Thrills casino. This deposit method provides instantly processed money transfers that come with zero processing fees.
List of supported online banks for deposits for each country:

SWEDEN

  • Danske Bank
  • Forex
  • Handelsbanken
  • ICA Banken
  • Länsförsäkringar
  • Nordea
  • SEB
  • Skandiabanken
  • Sparbanken Syd
  • Swedbank

FINLAND

  • Aktia
  • Ålandsbanken
  • Danske Bank (Sampo)
  • Handelsbanken
  • Nordea
  • Oma Säästöpankki (OmaSp)
  • OP-Pohjola
  • POP Pankii
  • S-Pankki
  • Säästöpankki

GERMANY

  • Comdirect
  • Commerzbank
  • Deutsche Bank
  • Deutsche Kreditbank (DKB)
  • HypoVereinsbank
  • ING-DiBa
  • N26
  • Noris Bank
  • Postbank
  • Sparda Bank
  • Sparkasse
  • Targobank
  • Volksbank/Raiffeisen
Players should keep in mind that the minimum amount of cash they can upload is €10, even though for most of the bonus offers they will have to deposit at least €20. Deposits via Trustly are processed instantly.

WITHDRAWAL METHODS

Trustly is currently the only withdrawal method featured at Thrills casino. As far as we could see, withdrawals are free of charge. In terms of processing times, the site needs at least 24 hours and up to 5 business days.
List of supported online banks for withdrawals for each country:

SWEDEN

  • Danske Bank
  • Forex
  • Handelsbanken
  • ICA Banken
  • Länsförsäkringar
  • Nordea
  • SEB
  • Skandiabanken
  • Sparbanken Syd
  • Swedbank

FINLAND

  • Aktia
  • Ålandsbanken
  • Danske Bank (Sampo)
  • Handelsbanken
  • Nordea
  • Oma Säästöpankki (OmaSp)
  • OP-Pohjola
  • POP Pankii
  • S-Pankki
  • Säästöpankki

GERMANY

  • Comdirect
  • Commerzbank
  • Deutsche Bank
  • Deutsche Kreditbank (DKB)
  • HypoVereinsbank
  • ING-DiBa
  • N26
  • Noris Bank
  • Postbank
  • Sparda Bank
  • Sparkasse
  • Targobank
  • Volksbank/Raiffeisen
There’s no minimum withdrawal amount listed at Thrills casino, but it is highlighted that players cannot cash out more than €50,000 within a 24-hour period of time. Moreover, progressive jackpot winnings over €200,000 must be validated for 30 days before they are paid to the lucky player.
submitted by freespinsbonus to u/freespinsbonus [link] [comments]

Best non-airmiles (cash back?) credit card in Singapore

I have always used an airmiles card for Singapore Airlines miles. I might not be flying in the near future so thought about applying for a second credit card, and I thought cashback is the best deal right now. Has anyone researched the best cashback credit cards?
I thought the only ones worth considering are:
- UOB One card - gives you fixed cashback of SGD300 if you spend at least SGD2,000/month for 3 consecutive months (or 5% cashback if you spend exactly SGD2,000/month as you get no cashback for the excess) and fixed cashback of SGD50 or SGD100 if you spend at least SGD500/month or SGD1,000/month, respectively for 3 consecutive months (or 3.3% cashback if you spend exactly the minimum) (but dealing with UOB is the most painful experience on the planet; this is a bank that will send you a SMS that they sent you a physical letter to ask you to send them an e-mail)
- American Express True Cashback - 3% on first SGD5,000 if you spend SGD5,000 within first 6 months; 1.5% otherwise with no minimum (great as a second card if you hit the cap of another card and regularly spend beyond the SGD2,800 spend limit for cashback of the UOB One; also gives you 2.5% cashback on non-SGD spend but you would save by using Transferwise or a similar challenger bank card to pay for lower forex rather than paying an inflated credit card forex rate and getting 1% back)
- HSBC Advance - SGD150 on first SGD800 if you spend SGD800 in first month; 1.5% up to SGD70/month otherwise (2.5% if you are HSBC Advance client); 2.5% for dining, utility and telco bills with SGD2,000/month minimum spend (could be useful as a second card like the Amex True Cashback)
- UOB YOLO - gives you 8% cashback (capped at SGD60/month or cash back on up to SGD750/month spend) on weekend dining, entertainment and Grab (3% on weekdays) with minimum SGD600/month spend (could be useful if you are ordering fancy weekend takeout a lot right now)
- OCBC 365 - gives you 6% cashback (capped at SGD80/month or cash back on up to SGD1,333/month spend) on dining and online food orders, and 3% cash back on grocery, telco and utilities, with minimum SGD800/month spend (could be useful if you are ordering a lot of takeout right now, but OCBC is also harder to deal with)
- DBS Live Fresh - gives 5% cashback capped at SGD60/month but requires minimum spend of SGD600/month; gives actual monthly cashback of up to SGD20 on SGD400 per category for "online", "eligible Visa Contactless", and all other spend (you get up to SGD40/month cashback on SGD800/month spent in two broad categories (online and Visa contactless) but a lot of hassle for up to 3 x SGD20/month and useful only if you spend so much (and still want to squeeze out this SGD60/month of cashback!) that you max the cap on the better cards; again, you might make a loss by forgetting about the card and having to pay late fees, annual renewal fee, etc)
- Maybank Friends and Family - 8% cashback (capped at SGD80/month or cash back on up to SGD1,000/month) on groceries (including online grocery), fastfood (including Deliveroo and Foodpanda), petrol, ride hailing, and telco, with minimum SGD800/month spend to receive 8% rate (useful if you spend closer to SGD1,000/month on groceries but that's not everyone)
Other options (that are nowhere as good as they first seem) would be:
- Citi SMRT - gives 3% cashback on "online" shopping and 5% on selected groceries, McDonalds and other fastfood, Starbucks and other coffee, movie; minimum spend of SGD300/month (plus 2% on ez-Link top up, if you want a couple of dollars more a month!) (looks like a huge hassle because you get "SMRT$" instead of real dollars up front; could be useful as a second card if you max out the caps of the better cards, carefully check if a merchant counts as "online", and if you buy your groceries at Fairprice, Giant or Sheng Shiong)
- Citi Cash Back - gives 8% cashback capped at SGD75/month for dining, grocery and petrol but requires minimum spend of SGD888/month; gives actual monthly cashback of up to SGD25 on SGD312.50 per category for dining, grocery and petrol (a lot of hassle for up to 3 x SGD25/month, you might make a loss by forgetting about the card and having to pay late fees, annual renewal fee, etc)
- POSB Everyday - could be useful if you shop at Sheng Siong and the other places covered by the card
- Bank of China family - gives you 10% cashback on dining of up to SGD25/month on SGD250/month and 3% on online shopping, with minimum SGD800/month spend (if you want to do the accounting acrobatics to keep track of the details...)
- QUESTION - Maybank Visa Infinite - featured in the Straits Times June 14, 2020 edition as being the only card that racks up rewards points for insurance premiums, but I cannot figure out the card based on the Maybank website. It emphasises air miles as its perks and says it has a SGD600 annual fee (waived for SGD60,000 annual spend).
Has anyone else applied for non-airmiles cards? Happy to hear people's thoughts.
UPDATE: I was wondering what the best spending plan is for someone who spends at least SGD2,000-3,000/month. Below that, you should focus on the minimum spend for one card and above that, you would put the excess in a card like the Amex, Standard Chartered or HSBC Advance with a no cap 1.5% cash back.
I was thinking:
DBS Live Fresh - Spend your first SGD800/month of online and Visa contactless on this card (two broad categories) for 5% cash back
UOB Yolo or OCBC 365 - Spend up to SGD 750 or SGD1,333/month on weekend dining or dining and other qualified spend here for 8% or 6% cash back
UOB One - Put your spend that does not go to a higher cash back card here and make sure you hit exactly SGD500, 1,000 or 2,000/month for SGD50, 100 or 300 cash back/quarter (again, you get no cash back for the excess)
American Express True Cash Back - Put your spend here after you hit the monthly target on the UOB One
UPDATE: I tried applying for the UOB One, took UOB two months to process my application, then they say after approval, they need two business days to process the release of the actual credit card then two business days to deliver. I tried HSBC, Amex and DBS and they processed and delivered the actual card on the third business day after application (not after approval but after submission of the application)
submitted by josemartinlopez to singapore [link] [comments]

Summary of offers (total £100+) that require no deposit or spend (great for new members!)

I've noticed among the new members joining, people sometimes ask which offers they should do first, or which ones they could do when they don't have the £/€100 it takes to do many of the offers here. So I hope this little summary of no-spend offers will be helpful to you!
You can make ~£107 with the offers below without spending anything (up to £216 if you do the extra tasks). Notice I included some cryptocurrency offers - don't be afraid of these; they carry pretty much zero risk as you don't need to deposit anything (=buy crypto) - you only need to convert the cryptocurrency bonus back into £/€. If you need help with this, feel free to message me.
I also mention Revolut below, which is a popular online "bank" account. My app is currently not showing any promotions for new users, but perhaps someone else has a referral link for you that will make you some cash!

Swissborg: ~$65
A Swiss fintech focusing on crypto wealth management. You earn CHSB (their token) by collecting badges for doing simple tasks in the app. You can get 600 CHSB (~$65) without much effort, and if you can invite 20 people, you can get up to 1750 CHSB ($190). Please check the current CHSB exchange rate as the token's value may fluctuate.
  1. Download the app.
  2. Register for an account (use my referral code ETTVC6Q and we both get 3,000 points). Tip: the code will get you started with 3,000 points - make your first forecast with 1,000 points and you'll get your first badge :) [don't use a code for no bonus]
  3. Collect badges and earn!
  4. In order to redeem the prizes, you'll need to download their Wealth app and verify ID. The rewards should be redeemable in Q3 2020, once the competition ends (by September).
Detailed post about Swissborg (the token value might have changed since)

Bitwala: €15
A German bank account with integrated crypto services.
  1. Sign up with my link (non-ref-link, no bonus) and verify your identity. (Prepare your passport and a printed proof of address (e.g. bank statement). If no-one picks up for more than a few mins, hang up & try again)
  2. Create a bitcoin wallet in your account.
  3. €15 will be credited to your account within 15 business days. You can withdraw it right after you receive it.
Detailed post about Bitwala

Morpher: ~$15
An upcoming Austrian platform for trading stocks, crypto, and forex.
  1. Sign up via my referral link (non-ref link - no bonus)
  2. Verify your identity.
  3. Get 500 Morpher tokens (estimated value $15) when you get invited to the app and withdrawals are enabled (this should be soon)
Detailed post about Morpher

Quidco: £10
A popular UK cashback site.
  1. Sign up with my referral link (non-ref link - no bonus)
  2. Your bonus will be credited once you reach £5 in confirmed cashback - browse the Free Cashback section for no-spend offers!

Topcashback: £5
Another UK cashback site.
  1. Sign up with my referral link (non-ref link - no bonus)
  2. Your bonus will be credited once you reach £10 in confirmed cashback. Again, you could browse the no-spend offers, or buy something from a store where you'd shop anyways!

Curve: £5
A debit card to which you add your existing cards, and then you only have to carry the Curve card and choose which underlying card to pay with in the app.
  1. Download the app using this link (use code D8XMLG5E when signing up. No code, no bonus.)
  2. Order a free card (=Curve Blue).
  3. When it arrives, link a card you already own to your new Curve card.
  4. Make a first transaction with the Curve card (this can either be a regular in-store/online purchase, but people have successfully gotten the bonus just by linking the Curve card to their Paypal account or by connecting it to Google Pay/Apple Pay - so you don't have to spend anything. There's also no minimum spend requirement.) Note: you must make your first transaction within 7 days from signing up!
  5. £5 will be added to your Curve Cash card. You can spend it immediately. You can also send it to your Revolut - set up a payment link in Revolut, and pay it using the Curve card, with Curve Cash set as the underlying card.
Detailed post about Curve

Bitpanda: €5+
A reputable Austrian cryptocurrency exchange.
  1. Sign up using my link (non-ref link - no bonus)
  2. Verify your identity.
  3. Complete the beginner quiz and receive €5 in BEST (the Bitpanda token).
  4. Bonus: you can get an extra €10 if you're willing to deposit €25 and complete your first crypto trade of at least €25. The bonus will be credited instantly. Tip: buy BEST for €25, and then sell all BEST including the €5 bonus.
Note: you can withdraw the bonuses right after you receive them, but the minimum withdrawal and deposit amount is €/£25, so you can either deposit €/£25, get the extra €10, and withdraw everything back, or - if you don't want to deposit anything - you can transfer the BEST bonus to another crypto exchange or wallet. Up to you :)
Detailed post about Bitpanda

Zelf: €5
An upcoming service where you can do banking in your favorite messenger app (Messenger, Whatsapp, etc).
  1. Sign up using my link and finish the registration in your favorite messaging platform. (non-ref-link, no bonus)
  2. Get €5 when they launch. Everybody in France and Spain should get their cards by the end of June and the rest of Europe by September.
Detailed post about Zelf
Let me know if you need help with any of these!
submitted by One_Refrigerator to beermoneyuk [link] [comments]

Summary of offers (total £70) that require no deposit or spend (great for new members!)

I've noticed among the new members joining lately, people sometimes ask which offers they should do first, or which ones they could do when they don't have the £/€100 it takes to do many of the offers here. So I hope this little summary of no-spend offers will be helpful to you!
You can make £70 with the offers below without spending anything (up to £100 or even more if you include the "bonus" tasks). Notice I included some cryptocurrency offers - don't be afraid of these; they carry pretty much zero risk as you don't need to deposit anything (=buy crypto) - you only need to convert the cryptocurrency bonus back into £/€. If you need help with this, feel free to message me.
I also mention Revolut below, which is a popular online "bank" account. Sadly my app is currently not showing any promotions for new users, but perhaps someone else has a referral link for you that will make you some cash!

Swissborg ($17+) (edit: this is now worth at least $50 as of 10 June, the token's value has gone up)
A Swiss fintech focusing on crypto wealth management. You earn CHSB (their token) by collecting badges for doing simple tasks in the app
  1. Download the app.
  2. Register for an account (use my referral code ETTVC6Q and we both get 3,000 points). Tip: the code will get you started with 3,000 points - make your first forecast with 1,000 points and you'll get your first badge :) \don't use a code for no bonus])
  3. Collect badges and earn!
  4. In order to redeem the prizes, you'll need to download their Wealth app. The rewards should be redeemable starting in June. The app is already available for download; get it, pass KYC and you'll be ready to receive your rewards.
Bonus: if you can refer up to 20 people, you'll get $50 in total. ($150+ as of 10 June)
Detailed post about Swissborg

Bitwala - €15
A German bank account with integrated crypto services.
  1. Sign up with my link (non-ref-link, no bonus) and verify your identity. (Prepare your passport and a printed proof of address (e.g. bank statement). If no-one picks up for more than a few mins, hang up & try again)
  2. Create a bitcoin wallet in your account.
  3. €15 will be credited to your account within 15 business days. You can withdraw it right after you receive it.
Detailed post about Bitwala

Morpher - $15
An upcoming Austrian platform for trading stocks, crypto, and forex.
  1. Sign up via my referral link (non-ref link - no bonus)
  2. Verify your identity.
  3. Get $15 when they launch (June)
Detailed post about Morpher

Quidco - £10
A UK cashback site.
  1. Sign up with my referral link (non-ref link - no bonus)
  2. Your bonus will be credited once you reach £5 in confirmed cashback - browse the Free Cashback section for no-spend offers, or search for "MyHeritage," you could get £5.20 for doing a free trial (just make sure to cancel on time).

Topcashback - £5
Another UK cashback site.
  1. Sign up with my referral link (non-ref link - no bonus)
  2. Your bonus will be credited once you reach £10 in confirmed cashback. Again, you could browse the no-spend offers, or buy something from a store where you'd shop anyways!

Curve - £5
A debit card to which you add your existing cards, and then you only have to carry the Curve card and choose which underlying card to pay with in the app.
  1. Download the app using this link (use code D8XMLG5E when signing up. No code, no bonus.)
  2. Order a free card (=Curve Blue).
  3. When it arrives, link a card you already own to your new Curve card.
  4. Make a first transaction with the Curve card (you can try to top up your Revolut account and therefore not spend anything extra, but you can also just make a regular purchase, however small, if Revolut doesn't work)
  5. £5 will be added to your Curve Cash card. To withdraw it, set up a payment link in Revolut, and pay it using the Curve card, with Curve Cash set as the underlying card.

Bitpanda - €5+
A reputable Austrian cryptocurrency exchange.
  1. Sign up using my link (non-ref link - no bonus)
  2. Verify your identity.
  3. Complete the beginner quiz and receive €5 in BEST (the Bitpanda token).
  4. Bonus: you can get an extra €10 if you're willing to deposit €25 and complete your first crypto trade of at least €25. The bonus will be credited instantly. Tip: buy BEST for €25, and then sell all BEST including the €5 bonus.
Note: you can withdraw the bonuses right after you receive them, but the minimum withdrawal and deposit amount is €/£25, so you can either deposit €/£25, get the extra €10, and withdraw everything back, or - if you don't want to deposit anything - you can transfer the BEST bonus to another crypto exchange or wallet. Up to you :)
Detailed post about Bitpanda

Zelf - €5
An upcoming service where you can do banking in your favorite messenger app (Messenger, Whatsapp, etc).
  1. Sign up using my link and finish the registration in your favorite messaging platform. (non-ref-link, no bonus)
  2. Get €5 when they launch. For the UK the launch is scheduled to October. (launch update)
Detailed post about Zelf
Feel free to message me if you need help with these, or search this sub for the name of the offer for detailed posts with people's reactions etc.
submitted by One_Refrigerator to beermoneyuk [link] [comments]

Best non-airmiles (cash back?) credit card in Singapore

I have always used an airmiles card for Singapore Airlines miles. I might not be flying in the near future so thought about applying for a second credit card, and I thought cashback is the best deal right now. Has anyone researched the best cashback credit cards?
I thought the only ones worth considering are:
- UOB One card - gives you 5% if you spend SGD2,000/month for 3 consecutive months and 3.33% if you spend at least SGD500 for 3 consecutive months (but dealing with UOB is the most painful experience on the planet; this is a bank that will send you a SMS that they sent you a physical letter to ask you to send them an e-mail)
- American Express True Cashback - 3% on first SGD5,000 if you spend SGD5,000 within first 6 months; 1.5% otherwise with no minimum (great as a second card if you hit the cap of another card and regularly spend beyond the SGD2,800 spend limit for cashback of the UOB One; also gives you 2.5% cashback on non-SGD spend but you would save by using Transferwise or a similar challenger bank card to pay for lower forex rather than paying an inflated credit card forex rate and getting 1% back)
- HSBC Advance - SGD150 on first SGD800 if you spend SGD800 in first month; 1.5% up to SGD70/month otherwise (2.5% if you are HSBC Advance client); 2.5% for dining, utility and telco bills with SGD2,000/month minimum spend (could be useful as a second card like the Amex True Cashback)
- UOB YOLO - gives you 8% cashback (capped at SGD60/month or cash back on up to SGD750/month spend) on weekend dining, entertainment and Grab (3% on weekdays) with minimum SGD600/month spend (could be useful if you are ordering fancy weekend takeout a lot right now)
- OCBC 365 - gives you 6% cashback (capped at SGD80/month or cash back on up to SGD1,333/month spend) on dining and online food orders, and 3% cash back on grocery, telco and utilities, with minimum SGD800/month spend (could be useful if you are ordering a lot of takeout right now, but OCBC is also harder to deal with)
Other options (that are nowhere as good as they first seem) would be:
- Citi SMRT - gives 3% cashback on "online" shopping and 5% on selected groceries, McDonalds and other fastfood, Starbucks and other coffee, movie; minimum spend of SGD300/month (plus 2% on ez-Link top up, if you want a couple of dollars more a month!) (looks like a huge hassle because you get "SMRT$" instead of real dollars up front; could be useful as a second card if you max out the caps of the better cards, carefully check if a merchant counts as "online", and if you buy your groceries at Fairprice, Giant or Sheng Shiong)
- Citi Cash Back - gives 8% cashback capped at SGD75/month for dining, grocery and petrol but requires minimum spend of SGD888/month; gives actual monthly cashback of up to SGD25 on SGD312.50 per category for dining, grocery and petrol (a lot of hassle for up to 3 x SGD25/month, you might make a loss by forgetting about the card and having to pay late fees, annual renewal fee, etc)
- DBS Live Fresh - gives 5% cashback capped at SGD60/month but requires minimum spend of SGD600/month; gives actual monthly cashback of up to SGD20 on SGD400 per category for "online", "eligible Visa Contactless", and all other spend (again, a lot of hassle for up to 3 x SGD20/month and useful only if you spend so much (and still want to squeeze out this SGD60/month of cashback!) that you max the cap on the better cards; again, you might make a loss by forgetting about the card and having to pay late fees, annual renewal fee, etc)
- POSB Everyday - could be useful if you shop at Sheng Siong and the other places covered by the card
- Bank of China family - gives you 10% cashback on dining of up to SGD25/month on SGD250/month and 3% on online shopping, with minimum SGD800/month spend (if you want to do the accounting acrobatics to keep track of the details...)
Has anyone else applied for non-airmiles cards? Happy to hear people's thoughts.
submitted by josemartinlopez to askSingapore [link] [comments]

Global agent recruitment NEEBank — the digital bank

Global agent recruitment NEEBank — the digital bank
During its process of NEEBank’s official launch at the end of 2020 (in Dubai) and its official operation at the beginning of 2021, NEEBank is proud to announce its global agent recruitment NEEBank.
NEEBank is a digital bank based in Dubai (the UAE), India and Singapore. It’s the first digital bank to operate all of its services online all over the world. Thanks to Blockchain application, NEEBank can get through all boundaries of borders, currency differences, communities, and the environment. The bank also works 24/7 free of charge (no registration fee, no account maintenance fee, no forex fee, etc..). Beside FREE services, NEEBank has many other competitive features such as high saving interest, appealing lending interest, NEECREDIT service — a smart feature to automatically evaluate a person’s credit by AI, using IoT and Blockchain.
Together with its key field (Finance — Investment), International Money Transfer — Remittance Services are also seen as NEEBank’s strength. These services are convenient, simple and user-friendly and can be used globally.
NEEBank offers this chance to all partners — individuals, organizations, business people — from all over the world to join us to enjoy wonderful benefits and advantages.

Global agent recruitment NEEBank
THE BENEFITS FOR NEEBANK’S AGENTS (NEEBankers)
TASKS:
  • Search for and assist clients to open their bank accounts (IDBANK)
  • Perform exchange services (NEE Exchange)
  • Perform international money transfer — remittance services (NEEX)
  • Top-Up — allowing clients to deposit and withdraw money (ATM)
  • Perform other services: lending, saving, issuing cards, insurance, credit, bill payment, etc…
BENEFITS — ADVANTAGES
  • Get NEE rewards when a client opens a free account (with a Referral Link)
  • 10% reward when exchanging USDex
  • Get the differences between currencies when perform forex service
  • Get agent commission for 9 levels for saving, depositing, lending, credit services
  • 80% of the service fee for NEEBank’s services
  • Get20% cashback per month when completing payment / transactions with NEEBank’s acocunts
  • Get the interest at the rate of 24% — 36% for the deposit package
And many other advantages at the time of official operation of NEEBank in 2021
HOW TO SIGN UP
See detial
submitted by NEEBank to u/NEEBank [link] [comments]

Any news on the card?

I had the Rogers Mastercard mostly to avoid forex fees. They just announced that other than USD purchases, there will be 2.5% fee (as before) but 1.5% cashback (down from 4%, meaning you end up with a 1% fee per foreign currency transaction that’s not in USD). Wealthsimple said its card would have no forex fee.
Just wondering if anyone has seen anywhere when they’re going to issue the cards (as opposed to uneducated guesses). If it’s soon, I‘ll just wait, but if not I may try to get a different card. Thanks!
submitted by justeunhomme_ to Wealthsimple_Cash [link] [comments]

Annual fee waiver for Credit Card

Hi!!
I hope I'm posting in the right section.
i have 3 credit cards
American Express Cobalt(Primary card) BMO Cashback World Elite (Secondary card for places that don't take American Express) Scotiabank Passport Infinite Visa(I travel to US and Asia a lot so this card has been very helpful)
As you can see all 3 cards have hefty annual fees but all of them have been very useful for me like. BMO's roadside assistance has been a life saver for me on many occasions and I also shop a lot at Costco which only takes mastercard.
Cobalt has been my primary spending card and I've been racking up points on them very quickly as I dine out very often. I have already redeem 2 flight tickets to US.
Since I'm travelling a lot for work, my friend recommended the visa one and I found it extremely helpful with the 6 lounge passes and the no forex fee. I noticed from my statement this card actually gives me 2 points everytime I use it to eat out and taking a bus or taxi. I'm not sure if any other card provides this benefit
I have been with bmo since my student days. I do use their premium banking plan and therefore don't pay the annual fees if i maintain $6k balance. They even offered me a safety deposit box for free and am also planning on getting my mortgage with them in the future, since I have a very good relationship with them.
Yesterday I spoke to a rep about my concern and he suggested to degrade my banking plan to a lower one. The annual fees is only charged in May so two weeks before the May statement, I can upgrade it again to a premium plan and once the bill has been generated I can downgrade again. Many of his clients have successfully done this a few times and no questions have been asked. He suggested to try this with Scotiabank as well
I want to know if anyone else in same situation have done something like this? Do banks generally agree to this trick? I never knew this kind of trick even existed until yesterday.
submitted by imcynophilist to PersonalFinanceCanada [link] [comments]

Rogers Mastercard dropping from 4% to 3% cashback on foreign transactions, best alternatives?

I've been holding off on deciding on a replacement for my Amazon.ca Chase card. Part of me was expecting that the day the card went defunct (yesterday), Amazon would announce a new partnership or maybe that they were planning on releasing a new card themselves. Wouldn't surprise me to see them make the move into banking.
Now that the doors have officially swung shut on any new charges, I was doing some research to see if anything has been announced or if any other new options have appeared, and came across these announced changes to the Rogers Platinum Mastercard, which had been the heir apparent for many people to replace the Amazon.ca card.
As far as I could tell, no one has posted about these changes yet. It appears that Rogers kept their old terms right up until the Amazon.ca card closed down, raking in the applications from people looking for an alternate foreign currency card, and then dropped their cashback by a full percent to take advantage of everyone now that they are one of the only games in town.
I already hated the idea of supporting Rogers by getting their card, so this puts the nail in the coffin for me on that front. I know about Home Trust, but they are inundated with applications and with a huge backlog. There's Brim, but they have not yet begun issuing cards and are an unknown and unproven. Scotia just announced a new Passport Visa with 0% forex fee on Monday, but it carries a very hefty $139 fee. Are there any other cards that have been announced or tweaked recently to be attractive to those of us who travel internationally?
submitted by LengthyEpic to PersonalFinanceCanada [link] [comments]

Live contest 2019

Live contest 2019
Live Contest is a good option to make more money, isn't it? Believe do or not, it's a huge chance to represent your identity as a professional trader.
Join with Alpari Cashback program, exchange them for cash that you can withdraw instantly, or use them to get refunds on commission fees. Quick review: bit.ly/Alpari_Contest

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Live contest 2019
submitted by ronykhanfx to TopAsiaFX [link] [comments]

PointPay Banking solution

The myriads of features of the PointPay Banking solution includes, but no restricted to
  1. Cryptobanking. Issuance of cryptocredits to business and acceptance of crypto deposits through a personal account with a high level of privacy.
    1. Cryptocredit and cryptodebit cards. Pay with a credit card connected to VISA / MasterCard electronic payment networks and withdraw funds to it in any country of the world. Applications being developed will work in conjunction with the debit and credit cards issued. Guaranteed high security and acceptance of cards in almost any ATM in the world.
  2. Car loans for buying a car. Buy cars by issuing almost instant cryptocredits, which allows, on the one hand, making a contribution to cryptoeconomics, and on the other, improving the financing structure of a cryptobank and increasing crypto flows.
  3. Cryptocurrency mortgage. Buy your dream home taking a mortgage cryptocredit.
  4. Cryptocurrency deposits and savings accounts. PointPay Crypto Bank will not only keep your cryptocurrency safe, but will also let you to receive interest charges due to the existence of a cryptobank savings account that ensures a decent level of profitability.
  5. Buying and selling stocks in cryptocurrency. Buy and sell stocks of any companies directly from your smartphone using cryptocurrency. Excellent opportunity to expand the investment portfolio of any investor.
  6. Cryptocurrency transactions and transfers worldwide. Any bank transfer takes a lot of time, nerves and energy. Enjoy the ease of making cryptocurrency and fiat transfers using online crypto banking. Transfer money instantly from anywhere in the world. All you must have is a smart phone and access to the Internet.
  7. Provision of services on the Forex market through: • Support for ECN networks, reducing to zero the role of intermediaries; • Support for progressive system of NDD orders; • End-to-end STP transaction processing technologies. Instant ways to recharge the balance of your account with the help of WebMoney, Yandex.Money payment systems, bank transfers, cryptocurrency, as well as with Visa and MasterCard bank cards. Affiliate program to attract new members. Contracts with liquidity providers.
    1. Mobile crypto banking. Instant online transfers (both cryptocurrency and fiat) from anywhere in the world. Support of Apple Pay, Samsung Pay, Android Pay. Cashback and referral program.
    2. Virtual cryptocard. The possibility of ordering a virtual crypto card (both for cryptocurrency and fiat money) with instant receipt of details for using it. NFC technology support. Withdrawals via any ATM anywhere in the world.
    3. P2P loans. PointPay platform will provide its users with the opportunity to get a loan from a private person or another banking institution, playing the role of a platform that unites borrowers and lenders.
    4. Cryptosoft for ATM. Instead of the pointless release of expensive ATM terminals, the PointPay team will develop software that will be implemented in existing ATM systems of other companies.
    5. Consulting banking and legal services. Assistance in the preparation of bank documents and financial reports. Help in opening fiat and cryptocurrency accounts.
    6. Crypto-acquiring. The possibility of fast, transparent and anonymous payment of cryptocurrency of various goods and services in stores, cafes and restaurants using PXP token. PointPay cryptocurrency acquiring works in all directions: fiat-cryptocurrency, cryptocurrency-fiat, fiat-fiat, cryptocurrency-cryptocurrency. The above functions are made possible and feasible through a phalanx of 50 banks and 25 payment systems, as well as 20 lawyers who deal with the business and legal issues of licensing crypto assets. PointPay has many years of experience in supporting the functioning of payment systems, including signing contracts, working with banks, working with other payment systems, paying out funds, and building complex payment schemes. https://pointpay.io/
submitted by redoc77 to cryptobank [link] [comments]

The Pointpay Banking Tool

The myriads of features of the PointPay Banking solution includes, but no restricted to
  1. Cryptobanking. Issuance of cryptocredits to business and acceptance of crypto deposits through a personal account with a high level of privacy.
    1. Cryptocredit and cryptodebit cards. Pay with a credit card connected to VISA / MasterCard electronic payment networks and withdraw funds to it in any country of the world. Applications being developed will work in conjunction with the debit and credit cards issued. Guaranteed high security and acceptance of cards in almost any ATM in the world.
  2. Car loans for buying a car. Buy cars by issuing almost instant cryptocredits, which allows, on the one hand, making a contribution to cryptoeconomics, and on the other, improving the financing structure of a cryptobank and increasing crypto flows.
  3. Cryptocurrency mortgage. Buy your dream home taking a mortgage cryptocredit.
  4. Cryptocurrency deposits and savings accounts. PointPay Crypto Bank will not only keep your cryptocurrency safe, but will also let you to receive interest charges due to the existence of a cryptobank savings account that ensures a decent level of profitability.
  5. Buying and selling stocks in cryptocurrency. Buy and sell stocks of any companies directly from your smartphone using cryptocurrency. Excellent opportunity to expand the investment portfolio of any investor.
  6. Cryptocurrency transactions and transfers worldwide. Any bank transfer takes a lot of time, nerves and energy. Enjoy the ease of making cryptocurrency and fiat transfers using online crypto banking. Transfer money instantly from anywhere in the world. All you must have is a smart phone and access to the Internet.
  7. Provision of services on the Forex market through: • Support for ECN networks, reducing to zero the role of intermediaries; • Support for progressive system of NDD orders; • End-to-end STP transaction processing technologies. Instant ways to recharge the balance of your account with the help of WebMoney, Yandex.Money payment systems, bank transfers, cryptocurrency, as well as with Visa and MasterCard bank cards. Affiliate program to attract new members. Contracts with liquidity providers.
    1. Mobile crypto banking. Instant online transfers (both cryptocurrency and fiat) from anywhere in the world. Support of Apple Pay, Samsung Pay, Android Pay. Cashback and referral program.
    2. Virtual cryptocard. The possibility of ordering a virtual crypto card (both for cryptocurrency and fiat money) with instant receipt of details for using it. NFC technology support. Withdrawals via any ATM anywhere in the world.
    3. P2P loans. PointPay platform will provide its users with the opportunity to get a loan from a private person or another banking institution, playing the role of a platform that unites borrowers and lenders.
    4. Cryptosoft for ATM. Instead of the pointless release of expensive ATM terminals, the PointPay team will develop software that will be implemented in existing ATM systems of other companies.
    5. Consulting banking and legal services. Assistance in the preparation of bank documents and financial reports. Help in opening fiat and cryptocurrency accounts.
    6. Crypto-acquiring. The possibility of fast, transparent and anonymous payment of cryptocurrency of various goods and services in stores, cafes and restaurants using PXP token. PointPay cryptocurrency acquiring works in all directions: fiat-cryptocurrency, cryptocurrency-fiat, fiat-fiat, cryptocurrency-cryptocurrency. The above functions are made possible and feasible through a phalanx of 50 banks and 25 payment systems, as well as 20 lawyers who deal with the business and legal issues of licensing crypto assets. PointPay has many years of experience in supporting the functioning of payment systems, including signing contracts, working with banks, working with other payment systems, paying out funds, and building complex payment schemes. https://pointpay.io/
submitted by redoc77 to cryptobank [link] [comments]

The Pointpay banking platform

The myriads of features of the PointPay Banking solution includes, but no restricted to
  1. Cryptobanking. Issuance of cryptocredits to business and acceptance of crypto deposits through a personal account with a high level of privacy.
    1. Cryptocredit and cryptodebit cards. Pay with a credit card connected to VISA / MasterCard electronic payment networks and withdraw funds to it in any country of the world. Applications being developed will work in conjunction with the debit and credit cards issued. Guaranteed high security and acceptance of cards in almost any ATM in the world.
  2. Car loans for buying a car. Buy cars by issuing almost instant cryptocredits, which allows, on the one hand, making a contribution to cryptoeconomics, and on the other, improving the financing structure of a cryptobank and increasing crypto flows.
  3. Cryptocurrency mortgage. Buy your dream home taking a mortgage cryptocredit.
  4. Cryptocurrency deposits and savings accounts. PointPay Crypto Bank will not only keep your cryptocurrency safe, but will also let you to receive interest charges due to the existence of a cryptobank savings account that ensures a decent level of profitability.
  5. Buying and selling stocks in cryptocurrency. Buy and sell stocks of any companies directly from your smartphone using cryptocurrency. Excellent opportunity to expand the investment portfolio of any investor.
  6. Cryptocurrency transactions and transfers worldwide. Any bank transfer takes a lot of time, nerves and energy. Enjoy the ease of making cryptocurrency and fiat transfers using online crypto banking. Transfer money instantly from anywhere in the world. All you must have is a smart phone and access to the Internet.
  7. Provision of services on the Forex market through: • Support for ECN networks, reducing to zero the role of intermediaries; • Support for progressive system of NDD orders; • End-to-end STP transaction processing technologies. Instant ways to recharge the balance of your account with the help of WebMoney, Yandex.Money payment systems, bank transfers, cryptocurrency, as well as with Visa and MasterCard bank cards. Affiliate program to attract new members. Contracts with liquidity providers.
    1. Mobile crypto banking. Instant online transfers (both cryptocurrency and fiat) from anywhere in the world. Support of Apple Pay, Samsung Pay, Android Pay. Cashback and referral program.
    2. Virtual cryptocard. The possibility of ordering a virtual crypto card (both for cryptocurrency and fiat money) with instant receipt of details for using it. NFC technology support. Withdrawals via any ATM anywhere in the world.
    3. P2P loans. PointPay platform will provide its users with the opportunity to get a loan from a private person or another banking institution, playing the role of a platform that unites borrowers and lenders.
    4. Cryptosoft for ATM. Instead of the pointless release of expensive ATM terminals, the PointPay team will develop software that will be implemented in existing ATM systems of other companies.
    5. Consulting banking and legal services. Assistance in the preparation of bank documents and financial reports. Help in opening fiat and cryptocurrency accounts.
    6. Crypto-acquiring. The possibility of fast, transparent and anonymous payment of cryptocurrency of various goods and services in stores, cafes and restaurants using PXP token. PointPay cryptocurrency acquiring works in all directions: fiat-cryptocurrency, cryptocurrency-fiat, fiat-fiat, cryptocurrency-cryptocurrency. The above functions are made possible and feasible through a phalanx of 50 banks and 25 payment systems, as well as 20 lawyers who deal with the business and legal issues of licensing crypto assets. PointPay has many years of experience in supporting the functioning of payment systems, including signing contracts, working with banks, working with other payment systems, paying out funds, and building complex payment schemes. https://pointpay.io/
submitted by redoc77 to cryptobank [link] [comments]

NuPay : A Revolutionary Crypto Payment Platform

NuPay : A Revolutionary Crypto Payment Platform

https://preview.redd.it/ufl60o0qud431.png?width=640&format=png&auto=webp&s=43599c8213de4f74220a18f86b61633783845fc9
Throughout the records of human civilization, man has consistently developed himself and his environment as nicely as the way and methods of carrying out every day tasks, making them simpler, extra environment friendly and cost-effective. These tendencies have come in soar and bounds throughout certainly all aspects of human existence -medical, agricultural, and most importantly in our discourse, financial. In the monetary sector, the advent of the blockchain has opened up a total new paradigm in the change of fee as properly as payments.
The capability to exchange, the capacity to share and the capability to distribute are the key traits of human behavior. These characteristics have rendered a couple of options for the improvement of human society. Payment equipment have been a crucial issue of commercial enterprise and human life, which has tried to preserve itself updated with the altering environment.
E-commerce has redefined the worldview of the shopping experience, and with this price solution have additionally improved.
But, the contemporary challenges in the modern-day fee integration involving cryptocurrency are too big. Chargebacks, frauds and high transaction expenses have made the situation much worse. Due to centralized nature of the operation, customers and retailers have to face many difficulties in daily price solution. What do you suppose can be executed to deliver complete price solution for the companies and consumers? Here identification what NUPAY has come to supply and even extra special benefits.
ABOUT NUPAY
NuPay has developed a platform that connects crypto and quite a number points or vouchers with the real economy, gather TPCT token through all-in-one charge platform.
NuPay platform is imparting a best cryptocurrency charge answer where customers can operate all the price associated operations. Implementation of blockchain gives security, transparency and reliability in the service. Thus NuPay will aid crypto tasks and entrepreneurs which boosts their developments progress.
Its mission is to end up a reliable assist for all users and entrepreneurs whose relationships will be primarily based on the security, transparency and reliability of the blockchain network. Moreover, NUPay intends to actively cooperate with each on-line and offline shops in order to make certain maximum contact with all users and entrepreneurs, not restrained to any one direction.
Considering that there are pretty an full-size wide variety of on-line stores, most of the purchases nonetheless account for offline stores. That is why the builders of NUPay do no longer favor to restriction their customers in their choice, so for the in addition boom of the platform, the developers have organized a massive community of associate stores. NuPay offers a simple but very fine price system, the place every body will be capable to admire now not only the service provided, but also the pace of payment processing, their safety, and availability in the General population.
Problems Nupay
There has been several tries to fill the existing hole with debit cards, on and offline fee platforms, crypto change offerings for forex conversion, all these is just to try to solve the troubles been faced. We will then begin to marvel what the problems could be exactly. But it has been found that crypto that problems are related to platform no longer finding the right enterprise companion or being unable to strengthen a steady systematic connection with the current charge infrastructure. It has also been set up that projects are experiencing giant difficulties in growing their financial ideas. It has additionally been mounted that many projects have now not been able to find options to these challenges. some different challenges include;
  • Transaction Speed & Confirmation
  • Price Volatility
  • Transaction Cost
  • Market Liquidity & Convertibility
  • Security
  • Counterparty Risk
  • Operational Transparency, Auditability & Anonymity
After taking a careful seem to be into these problems the Nupay crew determined to develop a progressive platform that will make all these issues a component of the past. My dear readers, i will carefully write about this innovative platform, the options supplied and why you must pick out Nupay.

https://preview.redd.it/6s0nov3uud431.png?width=640&format=png&auto=webp&s=3b69fd904b554abeedcdd35e7ac4d66778af4c6b

https://preview.redd.it/bpznqouuud431.png?width=640&format=png&auto=webp&s=c5a42ba8ddc3b40d0a8aab919fc6792d128f5f84
Unique features that Nupay has
NUPay seeks to make its fee services effectively available by way of Web platform and Apps which will make certain that each and every person of the web can get entry to and make use of fee offerings on the go. The Apps will additionally be included with a QR reader and barcode scanners so as to serve the wishes of different level of users on the platform. NUPay card is additionally every other purchaser convenience provider that is being considered for implementation on the platform.
The NUPay Payment platform is designed to facilitate the use of cryptocurrencies such as the native currency TPCT, BTC, ETH, and XRP as nicely fiat currency, reward factors and present playing cards for payments in each on-line and offline outlets. The platform is additionally designed to encourage interplay between retailers and users, improve outreach and reputation of retailers via purchaser administration services. Merchants and companies on the platform can accept price from customers (customers) in cryptocurrency or different charge picks and get it transformed into fiat foreign money seamlessly. Users are no longer left out; a 2% reward of the amount spent (regardless of the price alternative selected) on the platform is given lower back to Users of the platform in the structure of TPCT token
The NUPay blockchain shape will be accountable for the storage of all price related information, hereby ensuring verifiability of archives compared to what is obtainable in normal fee processors. The NUpay blockchain structure is also tailored to facilitate precise, good value and secured transactions on the platform.
TPCT serves as the gasoline of the NUPay platform and it gains utility as a potential of charge for goods and offerings with minimal transaction price and convenient transition into fiat currency, on the spot cashback/reward for the usage of retail offerings on the platform and lastly a requirement to use NUPay Services. Unlike other Cryptopayment platforms, NUPay has secured severa partnerships for its platform and this will ensure the usability and demand for TPCT. TPCT will at first be issued as an erc-20 token with a maximum provide of 2.5 billion units for the purpose of the initial coin supplying (ICO) then later swapped for its equal on the NUPay blockchain. The Initial coin supplying is currently ongoing and scheduled to stop with a public sale slated to begin on the 4th of March 2019 and quit on the 31st of May 2019. The Public Sale fee is pegged at 25000 TPCT for 1 ETH although other cryptocurrencies such as bitcoin and ripple will additionally be accepted.
Token and ICO details
• Token ticker: TPCT • Platform: ERC20 • Token price: 1 TPCT = 0.00004 ETH • Softcap: 500,000,000 TPCT • Hardcap: 1,000,000,000 TPCT • Minimum purchase: 0.1 ETH
With TPCT tokens customers can purchase any product on partnered stores. These tokens are used to perform each charge operation on the NuPay app. On the NuPay machine for retaining NuPay tokens ranks are furnished in four categories. The minimal rank begins with blue for preserving 5000 TPCT tokens and they can earn 0.5% for each buy made. Similarly for conserving 1 million tokens VIP rank is given and they can earn 2% of tokens for each buy made.
Token distribution

https://preview.redd.it/ff19zxozud431.jpg?width=640&format=pjpg&auto=webp&s=26dbc7f14fd08edbe7ee1a3c7304f03f91d2b8ba
Official NUPay project:
WEBSITE [NUPAY]: http://nupaymentalliance.com WEBSITE [TPCT]: http://www.tpct.io TELEGRAM:https://t.me/NUPay_English_Community WHITEPAPER:http://www.tpct.io/index.php#section-2 ANN THREAD:https://bitcointalk.org/index.php?topic=5097440.0 FACEBOOK:https://www.facebook.com/NUPayKorea/ TWITTER: https://twitter.com/NUPayTeam MEDIUM: https://medium.com/nupay INSTAGRAM: https://www.instagram.com/nupayment/
Juwel
0x5491bAca1a9295d180078ed15f5dA96b188BDffC
submitted by madagastor to CryptoICONews [link] [comments]

Daily Driver: Cashback CC or Rewards/Travel CC ??

Currently own the following CC: BMO Cashback Mastercard (1% on all purchases) and Scotiabank Passport Visa Infinite. Got the latter since we travel alot and wanted it primarily for 0% forex. With respect to "daily" benefits it's 2 Scotia Points for every $1 on groceries, dining, entertainment and transport (up to $50K in spending, after its 1 point/$1)
Right now we've been heavily using the Scotia CC to earn the 25K bonus points (after spending $1k)....However after this, I'm not sure if it'll be beneficial to continue to use the Scotia CC as opposed to the Cashback MC. Scotia CC doesn't cover the large spread of categories understandably, but I'm not sure if we should focus on building points (i.e. rewards) OR getting cashback.
Any thoughts? Rough estimates for expenses are $200 groceries, $160 bills, $200 dining $225 on transport.
TLDR: Cant decide if should focus efforts on cashback using BMO Cashback MC OR Scotia points with Scotia passport Visa.
submitted by Mcjingsz to PersonalFinanceCanada [link] [comments]

Amazon.ca Chase VISA vs. Rogers Platinum MC

As the title suggest, what do redditors think is the 'better card' for their purposes?
Amazon: no FOREX fee, no annual fee, cashback redemption whenever you reach 2000 points, 2% CB on amazon.ca and 1% everywhere else
Rogers: 4%-2.5% = 1.5% CB on foreign purchases, 1.75% cashback flat rate, annual fee (if you don't have a rogers/fido account)
In my case, I have a FIDO plan so I could waive the Rogers annual fee if I set up pre-authorized payments. I travel a few times a year, so a card that has no FOREX fees is appealing to me. But the majority of my purchases will of course be in CAD, which gives the edge to Rogers due to it's 1.75% flat rate. But, I buy a fair amount on amazon.ca.
I'm just trying to decide if it's worth getting both. If I ever decide to leave FIDO/Rogers then the annual fee gets reinstated and the benefit of having a Rogers MC decreases.
submitted by hamtofu to PersonalFinanceCanada [link] [comments]

Looking for a new credit card to complement my Tangerine MasterCard

Looking for a card to use when I only get 1% back from Tangerine. I have considered the below:
I am 22, living at home, and my personal income is under $60,000 (over $100,000 including parents). I have never used any of the insurance coverage, warranty, purchase protection etc features of a card. I would be open to having them though. I also plan to change my RBC Signature Rewards Visa to the CB MasterCard since it gives 2% back on groceries (and since I need a credit card from them to keep my banking free).
I recognize that these other cards only deposit cashback periodically, instead of monthly (which I prefer but not everyone can be as great as Tangerine with this).
What are your thoughts?
Edit: added info for my current banking situation
submitted by rodiansniper to PersonalFinanceCanada [link] [comments]

Will be in Australia 3-4 years. Is using a Canada credit card with low exchange fee the better choice than opening an Australian bank account?

Folks, wondering if any of you are big international travellers for more than a few weeks at a time and how you handle your finances in that situation.
I will be an international student in Australia from 2017 to 2020/2021 and am looking at the idea that it might make sense to use my Tangerine MasterCard, with a 1.5% conversion fee from CAD->AUD, as my primary credit card in Australia for day-to-day purchases, rather than converting the majority of my CAD->AUD, opening a bank account in Australia, and using one of their credit cards as well instead. (My choice of title is a bit misleading. I'd open an AUD bank account anyways with a reasonable backup contingent of cash no matter my choice. Just looking at what I should use as my primary spending method, a Canadian CC or an Australian CC/debit.)
I've never done a lot of currency conversion. The 1.5% fee sounds hefty but must be in line with what I'd be getting charged for forex from any major bank/exchange place anyways? I've always been left with the impression forex is gonna stiff you no matter what you do. My math might be assuming too much here, but there's also the fact that the Tangerine MC is a 1% cashback (or greater) across the board, which would help subsidize the exchange fee.
Thoughts? (Please note I have no intention in staying in Australia so would have no need to build credit there. No need to factor that into considerations.)
submitted by CLENVENMETINS to PersonalFinanceCanada [link] [comments]

Which CC is better for my use case?

I spend anywhere from 500-1000 USD a month. I currently use amazon chase CC with 1% cashback and no forex fees. Would it make sense to pay with a RBC USD credit card and not getting currency transaction rate but I lose cash back. What would be a good canadian CC for this amount of USD spend a month?
submitted by voodoodoodoopoopoo to PersonalFinanceCanada [link] [comments]

Need a new CC (maybe VISA?)

So I've got a grandfathered CapOne World Elite card that I use as my main credit card (Net $20 annually after anniversary points and 2% back on everything when I redeem it for 'travel' expenses). I don't really have a second card and CapOne is pretty adamant about never (or very rarely) increasing credit.
I'm looking at getting a second card now and trying to find something I can use as a good secondary card. One thing is that I don't have a viable VISA card to use (other than a no-fee one via my bank). Another consideration is that I'd like a good card for travelling or foreign transactions. I missed the boat on the Amazon VISA with the 0% forex which would have been a nice perk.
It seems a bit difficult to get a card to suffice both now (I saw the Home Trust card but not sure how long that will stay afloat) so should I just stick with a shitty VISA when MC is failing me and get the Rogers card for foreign transactions? I do have a Rogers account and wouldn't mind putting it on PAP to waive the fee (works out to a couple dollars difference annually in terms of cashback as I've not got a lot of services with them).
submitted by btkc to PersonalFinanceCanada [link] [comments]

[cashback cards]

Hello fellow churners. My name is phrostbyte and I'm here to get a little advice. I'm generally pretty good about maximizing cashback. My main cards are fort knox for gas and citi double cash as my general card. I also have about 10 AF cards that I use for churning.
My issue is i have yet to find a good cashback card for my hobby, computer gaming, specifically collecting and playing games on the steam platform. I spend a lot of my disposable income on steam games, not too much from the steam site itself, but more from similar ones such greenmangaming and g2a, and bundle sites such as humble bundle and indiegala.
I don't need steam gift cards! I always have plenty in my steam account from selling things on the market and wallet transfers!
These sites are coded by the merchant as digital online goods or something similar. Is citi double truly my best option for these? Some of them are overseas, such as bundlestars, plati, g2a, and kingpin, so I often have to resort to using a no forex fee card with lesser cashback.
Do I have any better options? I heard that discover used to have 5% cashback on all online purchases, but apparently that's not happening this year. Are there any similar cards or promotions out there? I spend a lot on computer games, and I'd like to get a little something out of it besides a steam library so large that it's literally impossible for me to play through all my games. Thanks guys!
Tl;dr I want cashback for online stores
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Forex Bonus $500 No Deposit Bonus - InstaForex 2020 (Extra $500)

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