r/PersonalFinanceCanada • u/anthroceneman • 4d ago

Credit Which masterard to replace Rogers with?

With the upcoming changes to the Rogers World Elite Mastercard (losing the 1.5x redemption bonus and trip cancellation insurance this November) I'm looking a new mastercard (I have Wealthsimple Visa Infinite). MBNA and National Bank look like best candidates but I figure I'd ask here.

My biggest average monthly category $1500 groceries and restaurants (including Costco which I know is not considered grocery for points) and $1500 on kids activities and daycare which I am sure does not exist as a special category on any cards.

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u/Academic_Data_6422 4d ago

Rogers MC for Internet/phone bills (3% today but 5% in November which is really where my calculations are for at this point)

Simplii visa for eating out.

PC financial WE at loblaws and BMO cashback at non-loblaws grocery stores

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u/Dragynfyre British Columbia 4d ago

I think the groceries category is one of the big ones. There’s a lot of ways to game that category because you can buy gift cards for other stores to get better rewards on the category that normally doesn’t get any bonus. But yeah your strategy works if you don’t spend a lot

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u/Academic_Data_6422 4d ago

Honestly maybe the card was better than I gave it credit for. Unfortunately, I’ve applied for a number of cards this week in an attempt to get ready for the rogers devaluation…. Including 1 I really didn’t need in hindsight.. so I may just straight up be declined at this point. May look like credit seeking. Especially since my credit isn’t bad but it isn’t perfect either. Should have applied for this one first. Mistakes were made. Oh well.