Which Credit Card Would give you best returns/points

[Slartibartfast]

Pricesmart members could look at the RBL/pricesmart card - 4% cashback at pricesmart and 1% everywhere else. Seems like a good deal on the surface

Scotiabank MasterCard Gold gives 4% cash back at grocery stores & gas stations, 2% at pharmacies and 1% everywhere else.. You get the cash back in November of each year.
https://tt.scotiabank.com/personal/cred ... rcard.html

Does this include pricemart as a grocery store?

[Rockram]

I can confirm it does clasify Pricesmart as grocery, so you do benifit from 4% cashback. Its the reason i have the Gold Card instead of the Aero, i prefer the cashback.

Pricesmart members could look at the RBL/pricesmart card - 4% cashback at pricesmart and 1% everywhere else. Seems like a good deal on the surface

Scotiabank MasterCard Gold gives 4% cash back at grocery stores & gas stations, 2% at pharmacies and 1% everywhere else.. You get the cash back in November of each year.
https://tt.scotiabank.com/personal/cred ... rcard.html

Does this include pricemart as a grocery store?

[pj15]

Guys, how long does it usually take for transactions on your Aero Platinum card to show up on Scotia online banking? Recently signed up and it's sometimes 3-5 days for local transactions to show up for me. That normal?

yh that normal

have 2 aero cards from scotia and racked up 200k points over the last year & a half and started using them last month

only 20k pts round trip to the US & 70k to Europe

don't know of anything else that could compete with that

200k points in a year and a half!? That's amazing man! Considering each point is 1 Usd spent, that's well over 1.2 million ttd spent in that period ! Do you use the cards for business expenses mostly? The most points I managed to accumulate was 50k over a 3 year period....personal expenses only.....got me a couple round trip tickets and travel credits...

[TheBoostLord]

Guys, how long does it usually take for transactions on your Aero Platinum card to show up on Scotia online banking? Recently signed up and it's sometimes 3-5 days for local transactions to show up for me. That normal?

yh that normal

have 2 aero cards from scotia and racked up 200k points over the last year & a half and started using them last month

only 20k pts round trip to the US & 70k to Europe

don't know of anything else that could compete with that

Do the travel points apply to the card holder only or can you use it for family members as well?

[A172]

Guys, how long does it usually take for transactions on your Aero Platinum card to show up on Scotia online banking? Recently signed up and it's sometimes 3-5 days for local transactions to show up for me. That normal?

yh that normal

have 2 aero cards from scotia and racked up 200k points over the last year & a half and started using them last month

only 20k pts round trip to the US & 70k to Europe

don't know of anything else that could compete with that

200k points in a year and a half!? That's amazing man! Considering each point is 1 Usd spent, that's well over 1.2 million ttd spent in that period ! Do you use the cards for business expenses mostly? The most points I managed to accumulate was 50k over a 3 year period....personal expenses only.....got me a couple round trip tickets and travel credits...

yh business
10k usd per card every 30 days so more cards you have the better obv

[A172]

Guys, how long does it usually take for transactions on your Aero Platinum card to show up on Scotia online banking? Recently signed up and it's sometimes 3-5 days for local transactions to show up for me. That normal?

yh that normal

have 2 aero cards from scotia and racked up 200k points over the last year & a half and started using them last month

only 20k pts round trip to the US & 70k to Europe

don't know of anything else that could compete with that

Do the travel points apply to the card holder only or can you use it for family members as well?

anyone i would assume

now that my son is walking & has his US visa i finally started using the points, booked a bunch of trips for all of us

[rspann]

Yes you can. I used my points to buy tickets for other people a few times.

[Slartibartfast]

I can confirm it does clasify Pricesmart as grocery, so you do benifit from 4% cashback. Its the reason i have the Gold Card instead of the Aero, i prefer the cashback.

Pricesmart members could look at the RBL/pricesmart card - 4% cashback at pricesmart and 1% everywhere else. Seems like a good deal on the surface

Scotiabank MasterCard Gold gives 4% cash back at grocery stores & gas stations, 2% at pharmacies and 1% everywhere else.. You get the cash back in November of each year.
https://tt.scotiabank.com/personal/cred ... rcard.html

Does this include pricemart as a grocery store?

Thanks for the info!

[nismodriver]

Scotia Aero Platinum ftw....each us$ spent = 1 aero point

Platinum and Black
And you can use points for cash back when travelling as well....
There are tons of other features for traveling on it as well.

[snatman]

Pricesmart members could look at the RBL/pricesmart card - 4% cashback at pricesmart and 1% everywhere else. Seems like a good deal on the surface

Scotiabank MasterCard Gold gives 4% cash back at grocery stores & gas stations, 2% at pharmacies and 1% everywhere else.. You get the cash back in November of each year.
https://tt.scotiabank.com/personal/cred ... rcard.html

Sounds good except for the once a year cash-back. That's a long wait man

[Duane 3NE 2NR]

Scotia Aero Platinum ftw....each us$ spent = 1 aero point

Platinum and Black
And you can use points for cash back when travelling as well....
There are tons of other features for traveling on it as well.

DId they update the features on the black?
Didn't really see the point in paying extra fees for a parking space in the bank. Online banking ftw.

[QM]

The new republic Pricesmart card is nice.

[Rockram]

Scotia Aero Platinum ftw....each us$ spent = 1 aero point

Platinum and Black
And you can use points for cash back when travelling as well....
There are tons of other features for traveling on it as well.

Whats the annual fee for the Aerocard? could not find it on scotiabank's website.

[pj15]

Scotia Aero Platinum ftw....each us$ spent = 1 aero point

Platinum and Black
And you can use points for cash back when travelling as well....
There are tons of other features for traveling on it as well.

Whats the annual fee for the Aerocard? could not find it on scotiabank's website.

600TTD

[Rockram]

Scotia Aero Platinum ftw....each us$ spent = 1 aero point

Platinum and Black
And you can use points for cash back when travelling as well....
There are tons of other features for traveling on it as well.

Whats the annual fee for the Aerocard? could not find it on scotiabank's website.

600TTD

Thanks Much

[TheBoostLord]

So....with all this talk of miles, i remembered that my work credit card is that republic miles thing, but i never used it. So i called the number on statement and was able to access the account for the first time. i have about 300,000 miles. damn im mind blown this was just here sitting.

[Duane 3NE 2NR]

Not bad!

[Kenjo]

Is it 4% after you pass the specific amount or 4% on the specific amount and anything extra

[Duane 3NE 2NR]

Is it 4% after you pass the specific amount or 4% on the specific amount and anything extra

I think it's 4% on everything past a certain amount, but you get your miles on everything as usual

[Strugglerzinc]

Is it 4% after you pass the specific amount or 4% on the specific amount and anything extra

I think it's 4% on everything past a certain amount, but you get your miles on everything as usual

Since allyuh talking about Scotia Aero cards I have a side question. I have to go collect my first issue card from Scotia and I'm seeing on their online banking only a TTD value being displayed.

I'm coming from Republic cards for the last many years and they have TTD and USD displayed separately.

Is this the norm for Scotia or did I somehow get a TTD only card? I still have to go in to collect so I will ask them there but since is the same card being discussed if I could avoid looking like a noob in person, it'll be great.

[Kenjo]

Is it 4% after you pass the specific amount or 4% on the specific amount and anything extra

I think it's 4% on everything past a certain amount, but you get your miles on everything as usual

Since allyuh talking about Scotia Aero cards I have a side question. I have to go collect my first issue card from Scotia and I'm seeing on their online banking only a TTD value being displayed.

I'm coming from Republic cards for the last many years and they have TTD and USD displayed separately.

Is this the norm for Scotia or did I somehow get a TTD only card? I still have to go in to collect so I will ask them there but since is the same card being discussed if I could avoid looking like a noob in person, it'll be great.

It shows TT but it’s just the converted US amount , I believe there is a US restriction amount over 60 days but I can’t remember the exact amount

[*KRONIK*]

Yea they have daily and weekly caps for US at scotia
The card is a TTD card
US purchases are converted at the banks daily rate when charged

Is it 4% after you pass the specific amount or 4% on the specific amount and anything extra

I think it's 4% on everything past a certain amount, but you get your miles on everything as usual

Since allyuh talking about Scotia Aero cards I have a side question. I have to go collect my first issue card from Scotia and I'm seeing on their online banking only a TTD value being displayed.

I'm coming from Republic cards for the last many years and they have TTD and USD displayed separately.

Is this the norm for Scotia or did I somehow get a TTD only card? I still have to go in to collect so I will ask them there but since is the same card being discussed if I could avoid looking like a noob in person, it'll be great.

It shows TT but it’s just the converted US amount , I believe there is a US restriction amount over 60 days but I can’t remember the exact amount

[Strugglerzinc]

Yea they have daily and weekly caps for US at scotia
The card is a TTD card
US purchases are converted at the banks daily rate when charged

Is it 4% after you pass the specific amount or 4% on the specific amount and anything extra

I think it's 4% on everything past a certain amount, but you get your miles on everything as usual

Since allyuh talking about Scotia Aero cards I have a side question. I have to go collect my first issue card from Scotia and I'm seeing on their online banking only a TTD value being displayed.

I'm coming from Republic cards for the last many years and they have TTD and USD displayed separately.

Is this the norm for Scotia or did I somehow get a TTD only card? I still have to go in to collect so I will ask them there but since is the same card being discussed if I could avoid looking like a noob in person, it'll be great.

It shows TT but it’s just the converted US amount , I believe there is a US restriction amount over 60 days but I can’t remember the exact amount

Great, thanks. Will ask about the limits. Republic is up to your card limit in USD within a 30 day period.

[Duane 3NE 2NR]

Yea they have daily and weekly caps for US at scotia
The card is a TTD card
US purchases are converted at the banks daily rate when charged

Is it 4% after you pass the specific amount or 4% on the specific amount and anything extra

I think it's 4% on everything past a certain amount, but you get your miles on everything as usual

Since allyuh talking about Scotia Aero cards I have a side question. I have to go collect my first issue card from Scotia and I'm seeing on their online banking only a TTD value being displayed.

I'm coming from Republic cards for the last many years and they have TTD and USD displayed separately.

Is this the norm for Scotia or did I somehow get a TTD only card? I still have to go in to collect so I will ask them there but since is the same card being discussed if I could avoid looking like a noob in person, it'll be great.

It shows TT but it’s just the converted US amount , I believe there is a US restriction amount over 60 days but I can’t remember the exact amount

Great, thanks. Will ask about the limits. Republic is up to your card limit in USD within a 30 day period.

Scotia limit is US$10,000 over a 2 month period (60 days) per customer (not per card).
https://www.scotiabank.com/tt/en/0,,417,0.html

[TheBoostLord]

Is it 4% after you pass the specific amount or 4% on the specific amount and anything extra

I think it's 4% on everything past a certain amount, but you get your miles on everything as usual

Since allyuh talking about Scotia Aero cards I have a side question. I have to go collect my first issue card from Scotia and I'm seeing on their online banking only a TTD value being displayed.

I'm coming from Republic cards for the last many years and they have TTD and USD displayed separately.

Is this the norm for Scotia or did I somehow get a TTD only card? I still have to go in to collect so I will ask them there but since is the same card being discussed if I could avoid looking like a noob in person, it'll be great.

You will enjoy not being charged double fees for 2 currencies on one card.

[daring dragoon]

can you get a credit card from a bank an you dont have an account there?

[carluva]

Yes you can

I did it recently with my Aero but the day I was making the application decided to open an account anyway.

[pj15]

can you get a credit card from a bank an you dont have an account there?

You can as long as your credit score/ history is satisfactory.. But I know of at least one local bank which requires you to open a deposit account with them so they can automatically deduct the monthly minimum payment if your CC caries a balance. Having a deposit account at the same bank will make things easier for you though when it comes to online funds transfers and CC payments....

[zoom rader]

This chead is for dummies .

The best credit card with points, is having none.

[Dizzy28]

Yea they have daily and weekly caps for US at scotia
The card is a TTD card
US purchases are converted at the banks daily rate when charged

Is it 4% after you pass the specific amount or 4% on the specific amount and anything extra

I think it's 4% on everything past a certain amount, but you get your miles on everything as usual

Since allyuh talking about Scotia Aero cards I have a side question. I have to go collect my first issue card from Scotia and I'm seeing on their online banking only a TTD value being displayed.

I'm coming from Republic cards for the last many years and they have TTD and USD displayed separately.

Is this the norm for Scotia or did I somehow get a TTD only card? I still have to go in to collect so I will ask them there but since is the same card being discussed if I could avoid looking like a noob in person, it'll be great.

It shows TT but it’s just the converted US amount , I believe there is a US restriction amount over 60 days but I can’t remember the exact amount

Great, thanks. Will ask about the limits. Republic is up to your card limit in USD within a 30 day period.

Scotia limit is US$10,000 over a 2 month period (60 days) per customer (not per card).
https://www.scotiabank.com/tt/en/0,,417,0.html

I have a FCB regular Visa card and the US limit is US$20k per cycle but you can only spend the US equivalent of your TT limit at any one time then top back up and go again till you reach the 20k limit. Very generous for a non premium card.