Amex Business Gold Card - 25,000 bonus Aeroplan miles!

[najibs]

No annual fee the first year (normally $180/yr)
25,000 bonus Aeroplan miles (by spending $3000 over the first 3 months)
Travel accident insurance
Car rental theft & damage insurance
Flight & baggage delay insurance
Hotel/motel burglary insurance

Don't let the $1k spending over 3 months scare you. That's only $333/month for the first 3 months. Most of us spend way more than that every month. Small price to pay for 25k Aeroplan miles.

http://click.linksynergy.com/fs-bin/click?id=CAqD7bLWUPI&offerid=149413.10000235&type=3&subid=0

[goobs]

This was posted in the Deals section a looooong time ago. So long ago that I've already applied for and recieved my cards.

http://www.redflagdeals.com/deals/main.php/alldeals/comments/amex_business_gold_rewards_card_free_for_1_year_bo nus_25000_points_for_1st

IBTL

[david17]

do you need to have a business in order to get the card?

[najibs]

do you need to have a business in order to get the card?

I'm not sure. I paid the small, what is it $50 or so, a few years ago to register a business name, so I would just use that. Even though my business isn't 'active.'

I even heard people were using their own name as the business name and had no problems. The application seems to only ask you for your business name, and nothing more about the business.

[david17]

I'm not sure. I paid the small, what is it $50 or so, a few years ago to register a business name, so I would just use that. Even though my business isn't 'active.'

I even heard people were using their own name as the business name and had no problems. The application seems to only ask you for your business name, and nothing more about the business.

ok :) thanks for the quick reply

[fastcat7]

No business name required. Some do operate sole proprietor where business name is the person.

[danns]

It says first year free ($180). Can I cancel it before the year ends to avoid paying the 180$ and will there be penalties involved?

[Yelo]

nice! I just need a Amex card with aeroplan. Thanks OP!

[utopianbl]

does this have doubling up of warranty and price protection?

[wesleyw]

Think its time to switch from the Platinum Airmiles Card....

[wilbrod]

180/year is not cool though.. i received that offer a few times from Amex but the yearly rate is killing the deal.

[najibs]

does this have doubling up of warranty and price protection?

I don't see it listed. That's a featurae that a personal card would have, moreso than a business card.

Think its time to switch from the Platinum Airmiles Card....

Air Miles and Aeroplan are different programs altogether. Keep that in mind.

180/year is not cool though.. i received that offer a few times from Amex but the yearly rate is killing the deal.

Amex is a premium product. Premium products command a premium price. The customer service at Amex is top notch. It's one of the few credit card companies that are worth paying for, IMO.

[Yelo]

I dunno if this will work without really having a busincess. I just put my own name... it says let me know within 10 days...

[wilbrod]

Amex is a premium product. Premium products command a premium price. The customer service at Amex is top notch. It's one of the few credit card companies that are worth paying for, IMO.

I have a Amex for myself at no cost and I'm really happy with it. We are looking of getting a Credit card for our business but we do so little transactions that I can't justify the cost.

[wesleyw]

Air Miles and Aeroplan are different programs altogether. Keep that in mind.


Yes I know - but with the Air Miles program going downhill, I personally prefer to start adding to my Aeroplan miles balance instead.

[najibs]

Combine with this (http://www.redflagdeals.com/forums/showthread.php?t=670385) for a total of 40,000 Aeroplan miles :twisted:

[trellaine201]

Hmm this is getting interesting. The first year is FREE for the card. I am assuming you need to have the card at least through year 2 in which you have to pay the $180 fee?

I can't see them giving aeroplan miles away basically for FREE.

[najibs]

One thing not mentioned previously is that this card is a charge card and NOT a credit card, which means it HAS to be paid in full when you receive your bill, every month. You CANNOT carry a balance on it, like a credit card.

[tantalus]

Amex is a premium product. Premium products command a premium price. The customer service at Amex is top notch. It's one of the few credit card companies that are worth paying for, IMO.

I like my amex gold cashback card, but I have found their customer service to be terrible. For one, they won't allow more than one alternate adress (I have 2 in the states that I use regularly), so I have to call them each time I want to ship to a different address. They've managed to screw up the changes of address more than once. I've also had to call back multiple times to get something fixed on my account before (even after they say they've fixed it each time). In general, I found my cibc visa to have better customer service, but the 2% cashback is hard to beat. It's a shame that card is not available to new customers anymore.

[trellaine201]

I dunno if this will work without really having a busincess. I just put my own name... it says let me know within 10 days...

LOL I did too. The worse they can say is "SORRY" we cannot process your application at this time, please try again in six months" blah blah sort of statement.

I would imagine they check to see if the name is registered and/or look at the annual income before going further on the application.

I am certainly not counting on getting the card but time will tell.

[yjxiao]

Hmm this is getting interesting. The first year is FREE for the card. I am assuming you need to have the card at least through year 2 in which you have to pay the $180 fee?

I can't see them giving aeroplan miles away basically for FREE.

Can anyone confirm? Can you cancel before the year is out with no strings attached?

[darksith31]

One thing not mentioned previously is that this card is a charge card and NOT a credit card, which means it HAS to be paid in full when you receive your bill, every month. You CANNOT carry a balance on it, like a credit card.

I work at American Express in Markham, and this is one of the best cards we currently have overall.

And as for being a charge card, what most people do not know is that, yes, you do have to pay the balance off in full at the end of each month. BUT if you do decide to carry a balance, which you CAN do, you are going to be charged...get ready for it...30% interest! That's exactly why ppl with charge cards get them, because they know that they are going to pay it off at the end of each month no matter what, avoid the interest charges, and get all the benefits of a charge card.

Oh, and BTW, even though I work at AMEX, I applied for two cards twice in a period of a year, and I got declined both times. WTF.

[Pseudo Nim]

The thing that few people know about AMEX charge cards is that refunds count as payments. So in theory, if you have a $2k balance due, then you can pay $1k cash and buy+refund a $1k item, and that covers your monthly payment. I don't know why it's like this, but it certainly can get you out of a tight spot if needed. In fact, you could even buy+refund a $2k item and that would cover the monthly payment. I kind of doubt you could do this on an extended basis, but hey. :)

Btw, don't forget the added bonuses of spending $50k and $100k on the card. In fact, if you actually managed to put $50k on the card in a year, this would be a much better deal than the AMEX Platinum in terms of points.

[Pseudo Nim]

Oh, and BTW, even though I work at AMEX, I applied for two cards twice in a period of a year, and I got declined both times. WTF.

That IS weird, wtf. I've gone through like 5 different AMEX cards in the last 10 years (including just switching to the business one), and have never been rejected... although to get the business one, they made me go through a bunch of ******** hoops and hurdles, like providing contact numbers at the bank, account #'s and all that crap. Haven't had to do it for my personal ones, ever. New rules regarding money laundering, they say... smells like credit crunch protection to me :P

[redkid]

great
i cancelled my costco amex
this one looks like a good replacement !!
ty op

This was posted in the Deals section a looooong time ago. So long ago that I've already applied for and recieved my cards.

http://www.redflagdeals.com/deals/main.php/alldeals/comments/amex_business_gold_rewards_card_free_for_1_year_bo nus_25000_points_for_1st

IBTL

[mtlguyca]

It seems like they are asking bunch of questions about the business....bla bla bla...did they change their form?

[najibs]

I work at American Express in Markham

Can you convince them to give us a copy of the American Blue Cash to give us 5% cash back for grocery and gas purchases? :twisted:

I hear AMex is a great company to work for, but extremely hard to get a job in. Is this true?

[david17]

did anyone receive their card yet? I applied around Dec 10 and it was approved.. but i'm still waiting for it... i wanna book an air ticket with it so i would spend the $1000 required to get the bonus points..

[Cisco KId]

did anyone receive their card yet? I applied around Dec 10 and it was approved.. but i'm still waiting for it... i wanna book an air ticket with it so i would spend the $1000 required to get the bonus points..

onlyu been like 12 business days I would expect you will hear back next week sometime. I gotta think about this card as I have Costco Amex and spent 33 on it this past year

[JWL]

Do you know what other points programs you can transfer AMEX points to? SPG perhaps?

[[H]ackerK]

I work at American Express in Markham, and this is one of the best cards we currently have overall.



Now what about the aeroplan miles? If one cancel the card just before 1 yr, will one still get the miles? I guess that's everyone wanted to know.

[TorontoEh]

this is a good card for sure especially with the first year no fee.

I'd assume they'll start mailing cards next week (new year) since they don;t mail out cards during holidays or something like that.

[Arrgh]

did anyone receive their card yet? I applied around Dec 10 and it was approved.. but i'm still waiting for it... i wanna book an air ticket with it so i would spend the $1000 required to get the bonus points..

So did I on Dec. 11.. I called a few times and was told the card was mailed out from Toronto on Dec. 19. Still didn't get it and called them. Between different people some said it was mailed out of Toronto on Dec. 19, some said it was mailed out AFTER Dec. 19, but not from Toronto, and the post office was not working on Dec. 24 (I corrected her on that)... Bottom line is, didn't receive the card yet.

[llcooljayce]

Thanks OP ... anyone know when this expires?

[felix]

Don't forget to sign up through GCR to get an additional $70 CAD for signing up : http://www.great*DELETE*canadianrebates.ca/display/Finance/

Remove *DELETE* of course since the site is censored on this forum.

[Arrgh]

Don't forget to sign up through GCR to get an additional $70 CAD for signing up : http://www.great*DELETE*canadianrebates.ca/display/Finance/

Remove *DELETE* of course since the site is censored on this forum.

How does this work?


Also I don't see this card listed on their page.

[trellaine201]

Hmm can anyone tell me what this is all about: I applied for the card about 2-3 weeks ago and I received this statement today in the mail.

It says on the top "American Express Business Gold Rewards Card" Of course there are no charges etc on the card. It says this if for your information only, No payment is required. Billing days this period: 0 And of course no charges of any kind on this statment?

Very strange????
Anyone else get something like this? or know what this is? I have not received any such card.

Follow-up: Just got off the phone and apparently I got the card-wow! They mailed it out Dec12.

[tropicana]

i wasn't automatically approved for this card, and AE keeps calling to "verify" my information. i've brushed them off so far as they've been calling during odd times, but does anyone know what kind of questions they will ask? i don't have a small business, and simply put my name as the company name as others have suggested. will they ask me questions about the business? if they do should i lie or just say i didn't read the fine print when i signed up? i spend about 40k a year on my credit card...would they care about (or even have access to) that information when determining whether to give me the card?

[espeed]

how does this stack up against RBC Avion VISA?

[najibs]

how does this stack up against RBC Avion VISA?

the only thing they have in common is that they are both rewards cards to collect airline points.

[ditto]

I kept getting an error message after filling out all information - I click the "next" button and the system asked me to check the name I want to be on the card, I tried several times and it kept not letting me go through, I did include the complete last name and it is less than 20 characters.

[hooded winkle]

I have decided to switch to Aeroplan and saw this business Card. It seems like a decent offer but I do not own a business! But I see they have another card on the site this week http://www.redflagdeals.com/deals/main.php/financial/ it's the Platinum version which appears to be for anyone not just business. It has a significant fee but after researching I would get the same miles as the business card is offering and an additional free flight. I worked out that I get the fee back and some straightaway if I use the bonus miles and take out this free partner ticket, this seems to make it better than the business card and CIBC's equivalent

[Pseudo Nim]

i wasn't automatically approved for this card, and AE keeps calling to "verify" my information. i've brushed them off so far as they've been calling during odd times, but does anyone know what kind of questions they will ask? i don't have a small business, and simply put my name as the company name as others have suggested. will they ask me questions about the business? if they do should i lie or just say i didn't read the fine print when i signed up? i spend about 40k a year on my credit card...would they care about (or even have access to) that information when determining whether to give me the card?

They will ask you the name of your business (I suspect you can just say it's a small company registered under your name, which is quite legal by the tax code), your business phone/address, the name of your bank, as well as a contact person at the bank, as well as your account # (I think) (when they called, I didn't give my business account info, but my personal credit line). They _will_ call your bank to confirm that you really DO exist. They did not ask me my SIN, though they did ask me a few other private questions, so I eventually got pissed off at them and told them to check my other AMEX account - but they persisted. So even if you have an AMEX already, it's more or less a "new" application. They never asked verification questions about my business, and they don't have access to your tax filings or anything AFAIK.

how does this stack up against RBC Avion VISA?

Depends on your spending. The Avion is not bad since they appear to have the yearly 50% promo, but the downside is it's ONLY for BA/Oneworld. The AMEX card, by contrast, is Aeroplan/Star Alliance, OR other companies (Delta, etc), which may be better depending on what you fly. Additionally, if you can break the spending threshold ($50k / $100k I think), the bonuses are rather nice and make it very attractive. The initial 25k bonus is RATHER good, though, and easily much higher than what other cards offer as a welcome bonus.

[EDIT] BTW: the title of OP's post is misleading. It's not 25,000 AEROPLAN miles, it's 25,000 AMEX Membership Rewards Points - you can convert them to other partners, such as Delta, etc. (or you can get half an iPod), so it's NOT just Aeroplan miles.

[Pseudo Nim]

I have decided to switch to Aeroplan and saw this business Card. It seems like a decent offer but I do not own a business! But I see they have another card on the site this week http://www.redflagdeals.com/deals/main.php/financial/ it's the Platinum version which appears to be for anyone not just business. It has a significant fee but after researching I would get the same miles as the business card is offering and an additional free flight. I worked out that I get the fee back and some straightaway if I use the bonus miles and take out this free partner ticket, this seems to make it better than the business card and CIBC's equivalent

The Platinum card is arguably the best that AMEX offers, but you have to a) fly enough and b) spend enough to make it worth it the $500-some fee. The free lounge access is an excellent perk (but then again....... if you fly enough, you will have status, and you won't care about the free lounge access) and the free partner ticket is on full-fare flights only, which are quite expensive (but MIGHT work out to be a good deal depending on the destination). They used to have partner two-for-one business class offers - now THAT was a good deal, but then, you're on RFD, not Flyertalk, so I doubt many people here care about full-fare J class tickets, even IF they are two-for-one. :)

The bonus points on the Platinum are quite bad, though. 1.25 points per $? Yuck.

[emocean]

Thanks for this. Got an app in the mail for this a month or two ago. Decided to sign up for this (with the rebate assist above!). Free flight makes it a great deal.

::

[Forsidan]

I signed up for this card online after reading this thread. I am NOT a business owner but just said I was a "consultant".
I got a call from someone at AMEX who wanted me to answer questions. I told her what I had written in the application form and then mentioned that I might not be consulting anymore in a few months. I asked her if I would have to cancel the card and she said no.
They just ask how many employees you have and what you think you'll spend a month and about your spending habits.
I think I'll be receiving mine in a few day. Yay!! :razz:

[scoop]

Did anyone determine if we cancel it before end of year 1 to avoid the fee but keep use the miles?

[Pseudo Nim]

Did anyone determine if we cancel it before end of year 1 to avoid the fee but keep use the miles?

The way signup bonuses usually work is as long as you fulfill the initial conditions, you'll be fine. You may not be able to get the additional $50k / $100k spending bonus if you cancel, but then again - the way AMEX works, all you need to do is call in during the month that you're supposed to cancel, tell them you are thinking of switching to another card but want to wait for the year to expire, they will note it on your account, and they will refund the membership fee if it gets charged. I cancelled my AMEX Gold a full 2 statements after I had the membership fee charged because I told them I was switching to the business card, and they were quite OK with it (after all, they don't want you to cancel one card while you wait to get the other one, since they lose the measly % revenue).

[Yelo]

I got a call from them. Didn't ask anything about my business... and I have no business... Just told me to send them a $1 check from my personal account, and they will refund it back to me when I get the card. So I guess I am getting it... :confused:

[kiasu]

Yes I know - but with the Air Miles program going downhill, I personally prefer to start adding to my Aeroplan miles balance instead.

where did u get the information about airmiles going downhill? if so, i am gonna redeem all my point i have like 10,000 am now.

[lokyee]

where did u get the information about airmiles going downhill? if so, i am gonna redeem all my point i have like 10,000 am now.

:confused: +1

do tell...as I've collected AM for TOOOOOO long and will be VERY upset if I can't redeem them!!

[trellaine201]

Wow my AMEX arrived. I can't believe it but this is the easiest card I have ever gotten or applied for. I thought I would get many questions etc like other companies.

Good for me I guess.

So to obtain the 15,000pts=Aeroplan miles I need to spend $1000 in total over the 3 month period or $1000 per month for three months?

thanks

[IanXP]

just applied for it..hopefully i'll get approved...it said that someone will contact me within the next 10 days

[mtlguyca]

Wow my AMEX arrived. I can't believe it but this is the easiest card I have ever gotten or applied for. I thought I would get many questions etc like other companies.

Good for me I guess.

So to obtain the 15,000pts=Aeroplan miles I need to spend $1000 in total over the 3 month period or $1000 per month for three months?

thanks

do you have a business?

[mtlguyca]

I got a call from them. Didn't ask anything about my business... and I have no business... Just told me to send them a $1 check from my personal account, and they will refund it back to me when I get the card. So I guess I am getting it... :confused:

Hi, there is the "business" section on the application form...what did you fill out ?

like business name, business address, etc...

[trellaine201]

do you have a business?

Hmm nope but I used my name.

[mtlguyca]

Hmm nope but I used my name.

can you tell please what you answered for the following:

Legal Business Name (as registered)* (your name?)

Company Name to appear on Card * (your name?)

Type of Business* (the field you are working in?)

Personal Annual Income* ($ per year) (your real works salary?)


Years in Business* (not sure about here....what did you enter?)

Total Number of Employees* (I presume 0 or 1?)



Thanks, if you could just either confirm or correct the stuf f in ()

:)

[trellaine201]

LOL just answer the questions. There was no trick in my answers. I followed the questions as asked.

[bubble.tea]

...Oh, and BTW, even though I work at AMEX, I applied for two cards twice in a period of a year, and I got declined both times. WTF.
cynic., seems their employment standards are lower than their credit card approval ones :lol:.

I don't have any remote way to justifying any fee to be paid for a CC. The ones I have now are far more than I'll need for the time being.

amex 2%, citi Enrich, RBC crapola., HBC for 10% off purchases. all $0 Annual fees.

Binder., so you have how many annual fee CCs now? Starwood (sounds like it's not a free one)., this one., what other gems have you amassed?

Before I get flamed here., confirm that you have to keep this beyond year 1 to redeem your rewards points?, and yes they are AMEX rewards, NOT Aeroplan Miles ;).

[Pseudo Nim]

I don't have any remote way to justifying any fee to be paid for a CC. The ones I have now are far more than I'll need for the time being.


That depends on your priorities. For instance, to some people, the air miles are worth the annual fees. Consider that if, let's say, you get 70,000 miles per year on your card, that means in 3 years, it's a ticket to the Maldives in business class on Singapore Airlines for two. Even if you pay 3x$200 in fees for the card + $600 for both tickets in taxes, you're still paying under $1,500 for TWO tickets to a luxury destination in business class, which is a much higher return than 2%.

Of course, if one wants the immediate gratification of a yearly cashback, that is an entirely acceptable way of looking at it as well.

[tropicana]

Don't forget to sign up through GCR to get an additional $70 CAD for signing up : http://www.great*DELETE*canadianrebates.ca/display/Finance/

Remove *DELETE* of course since the site is censored on this forum.

yay, i finally got approved for the card! they didn't ask any questions relating to my "business" on the call, just asked me to verify some personal information to ensure they pulled the right credit file for me.

if i didn't sign up for the credit card through tthe canadian rebates link, there's no way i can still get the $70 for signing up now right? can i call AE and give them some referral number or something? thanks for all your help guys!

[TorontoEh]

Yep got one for us as well....used the rebate link and also received my $70 cashback rebate within a week of approval. Thanks OP.....

[david17]

do you need to use the rebate link to apply for the card to get the $70 cashback?

I applied for the card using the amex link and already got the card. I guess it's too late to get the cashback eh?

[TorontoEh]

do you need to use the rebate link to apply for the card to get the $70 cashback?

I applied for the card using the amex link and already got the card. I guess it's too late to get the cashback eh?

Yes indeed you have to use the rebate link in the site mentioned.....

[david17]

Yes indeed you have to use the rebate link in the site mentioned.....

argh. ok thanks for the quick reply :)

[crispwolf]

What a pity I didn't try to use that rebate link..

I will receive the card in the next few days!

[bgfraser]

To the forum moderator:

Felix has an excellent note, but it's buried deep on page 3:

+++++++++++++++++++++++++++++++++++++++++
"Don't forget to sign up through GCR to get an additional $70 CAD for signing up : http://www.great*DELETE*canadianreba...splay/Finance/

Remove *DELETE* of course since the site is censored on this forum."
+++++++++++++++++++++++++++++++++++++++++

Of course, most of us never see this, or at least not until it's too late and we've already submitted an application.
Please move this post so it's immediately after the original post. THANKS!

Bruce Fraser

[ditto]

I kept getting an error message after filling out all information - I click the "next" button and the system asked me to check the name I want to be on the card, I tried several times and it kept not letting me go through, I did include the complete last name and it is less than 20 characters.

did anyone get same problem?

[lbamboo]

To the forum moderator:

Felix has an excellent note, but it's buried deep on page 3:

+++++++++++++++++++++++++++++++++++++++++
"Don't forget to sign up through GCR to get an additional $70 CAD for signing up : http://www.great*DELETE*canadianreba...splay/Finance/

Remove *DELETE* of course since the site is censored on this forum."
+++++++++++++++++++++++++++++++++++++++++

Of course, most of us never see this, or at least not until it's too late and we've already submitted an application.
Please move this post so it's immediately after the original post. THANKS!

Bruce Fraser



Hello RFD for this tip!! I have tried going to the GCR website (excluding the *DELETE*) and cannot access the page. Has anything changed? Does anyone else get the same problem?

Thanks!!

[OMV]

I couldn't really find a definite answer. Could someone please confirm that I would be able to use the card for three months for more than $1000, cancel it soon after (within the first year) and still get the miles?

[mrdarren]

Hello RFD for this tip!! I have tried going to the GCR website (excluding the *DELETE*) and cannot access the page. Has anything changed? Does anyone else get the same problem?

Thanks!!

Try this one:( I cannot enter full address, yor can edit it)

www.
great
canadian
rebates
.ca/display/Finance/

[callmethecat]

Hello RFD for this tip!! I have tried going to the GCR website (excluding the *DELETE*) and cannot access the page. Has anything changed? Does anyone else get the same problem?

Thanks!!


IT worked for me (remove the ***)

http://www.greatcana***dianrebates.ca/details/Gold-Rewards-Business/

[najibs]

I couldn't really find a definite answer. Could someone please confirm that I would be able to use the card for three months for more than $1000, cancel it soon after (within the first year) and still get the miles?

I don't have a definitive answer either, but I'd assume a yes.

[CSR]

Heard this on the power and money show on AM640 this morning.

[johnsmithy]

Thanks! Just applied.

[lbamboo]

Thanks for those of you that responded to my GCR website question!

I just applied. It did not approve the application right away and said would get back to me within 10 days. Did anyone else get this message?

Thanks again!

[wilS]

Thanks for those of you that responded to my GCR website question!

I just applied. It did not approve the application right away and said would get back to me within 10 days. Did anyone else get this message?

Thanks again!

It was the same thing for me. I got a call from Amex a couple days later and they asked some credit bureau questions to confirm its not a stolen identity and I was approved after that.

Thanks OP; been looking for a new card to supplement my gold MC!

[mrdarren]

applied last week on line,
missed a call from Amex, call back taday and get approved right away.
may receive next week.

:D

[tasamy]

I wish we get a similar offer for THE AMERICAN EXPRESS®
AIR MILES® PLATINUM CREDIT CARD. At least waiving the annual fees!

[mkassapian]

it doesn't ask for the SIN , its says optional. Does that mean it is only checking my business credit rating?

Michael

[g0blez]

Can I apply for this card even though I have no business?

[scoop]

Can I apply for this card even though I have no business?

The answer to this question and many more can be found in this thread:

http://www.redflagdeals.com/forums/showthread.php?t=670543

[Chew300ZX]

The answer to this question and many more can be found in this thread:

http://www.redflagdeals.com/forums/showthread.php?t=670543


FYI, Your link goes back to this thread.


Thank you for posting this OP, got mine a few days ago :cheesygri

[scoop]

FYI, Your link goes back to this thread.



Now that is interesting.

[brunes]

So I open this card, charge $1000, get 25K points, and cancel it?

[GoodDeal]

So I open this card, charge $1000, get 25K points, and cancel it?

That's correct... That's exactly what I did.

[hoyoto]

Applied this card on Monday, got call this morning , just easy question,

they pull up ur file from Equifax, just generate 2 or 3 multiple question for u.

the question I got, 1 which city do u live in 2007
2 your previous employer


I'll get my card in 10 business days,

the call is from 905 475 1175 . AMEX toronto call centre.

hope this info helps

[darksith31]

Can you convince them to give us a copy of the American Blue Cash to give us 5% cash back for grocery and gas purchases? :twisted:

I hear AMex is a great company to work for, but extremely hard to get a job in. Is this true?

That's possible. I'm not sure if the 5% cash back card is still available, but there is a cash back American card you can apply for as long as you have an american address.

The company is awesome to work for. They're very flexible for shifts (I'm in school full time) and the pay is above average considering what I do. It's not impossible at all to get in. I went to a temp agency (AppleOne), and worked under the agency for a year before I got permanent status. You get 12 vacation days/year, three personal days (that are paid for), and one lieu day (paid). A bonus of $400-500 / month depending on performance. And the benefit package is ridiculous. I pay $50/month, and get the following:

- prescription contacts and glasses
- laser eye surgery
- therapeutic massages
- $400 Health Spending Account per year, where I can use this for anything that your normal plan doesn't cover, including plastic surgery (lipo, here I come!)
- prescriptions are covered 100% also

I'm a very happy camper, and it's only 5 minutes away from where I live. :cheesygri

[JWL]

FYI, Your link goes back to this thread.


Ya, I think that was his cleverly subtle way of saying the question has been asked and answered the should just do a little reading by himself rather than asking others to serve up the same answers over and over again.

[runeash]

The Online application does not let you skip business information specially legal business name. How have people dealt with that issue

[bhp]

IT worked for me (remove the ***)

http://www.greatcana***dianrebates.ca/details/Gold-Rewards-Business/

thx for the site... can order stuff and get $$, similar to US-ebates. however, looks like the amex aeroplan card is no longer available.

[Smoofness]

thx for the site... can order stuff and get $$, similar to US-ebates. however, looks like the amex aeroplan card is no longer available.

The page you linked to refers to the exact same card this thread is based on. It is an Amex Gold Rewards card that awards "Membership Rewards" points. These points can be exchanged for Aeroplan points 1:1.

[Drew_W]

there is a cash back American card you can apply for as long as you have an american address.

More details required, esp if a SSN isn't required!!!!

[darksith31]

Call 18008693016. Say you want to apply for an american credit card. You don't need a Ssn to apply for a canadian or american credit card.
It just speeds up the application process.


More details required, esp if a SSN isn't required!!!!

[JWL]

My card arrived Friday. Now to spend $1,000 on it!

I noticed that the American Express points can be transferred to SPG, but the exchange rate is pretty lousy so I will probably end up transferring to Aeroplan.

[TorontoEh]

My card arrived Friday. Now to spend $1,000 on it!

I noticed that the American Express points can be transferred to SPG, but the exchange rate is pretty lousy so I will probably end up transferring to Aeroplan.

received mine as well.

[g0blez]

So I applied today. How much time will it typically take to get approved and will they call or email or just send snail mail?

[tkyoshi]

Call 18008693016. Say you want to apply for an american credit card. You don't need a Ssn to apply for a canadian or american credit card.
It just speeds up the application process.

Actually the two systems do differ.

Canadian Credit Card: SIN cannot be legally required, it is always optional for Credit Cards
American Credit Card: SSN is required

You can tell because on AMEX Canada the form will say SIN (optional), on the US site it will say SSN Required. If you got a card, the rep probably made a mistake, so don't count on it working.

Credit Bureau data is not shared between the two countries, as well the Credit Scoring is calculated differently between the two countries as well.

[smash]

So I applied today. How much time will it typically take to get approved and will they call or email or just send snail mail?

took about 2 weeks after i applied to get the card mailed to me

[mtlguyca]

took about 2 weeks after i applied to get the card mailed to me

So spend 1k to get the bonus points then cancel? :P

[smash]

So spend 1k to get the bonus points then cancel? :P

cancel before the 1st year because the annual fee kicks in after that

[mtlguyca]

cancel before the 1st year because the annual fee kicks in after that

yeah, thats true, its pretty steep too

[tkyoshi]

So spend 1k to get the bonus points then cancel? :P

You might as well use the card for the year then cancel.

[felix]

[EDIT] BTW: the title of OP's post is misleading. It's not 25,000 AEROPLAN miles, it's 25,000 AMEX Membership Rewards Points - you can convert them to other partners, such as Delta, etc. (or you can get half an iPod), so it's NOT just Aeroplan miles.
So can these points be transferred to Aeroplan miles? I don't have an Aeroplan account but my parents do and I use their card number when I have points to add (they do a lot of flying, I don't).

[smash]

So can these points be transferred to Aeroplan miles? I don't have an Aeroplan account but my parents do and I use their card number when I have points to add (they do a lot of flying, I don't).

i asked. yes they can.

[craeyon]

stupid question but does your credit rating decrease if you get additional credit cards?

I have a Citi Mastercard and a TD Visa already, and I always wanted to have AMEX in as a part of the collection. Would this affect my credit rating even though I haven't missed out on any of my bill payments?

[peter_ross]

stupid question but does your credit rating decrease if you get additional credit cards?

I have a Citi Mastercard and a TD Visa already, and I always wanted to have AMEX in as a part of the collection. Would this affect my credit rating even though I haven't missed out on any of my bill payments?

Yes it does affect your future lending power, due to credit exposure. Generally, lenders do not like clients with excessive credit exposure because it will increase lender's risk of bad debt. Does it mean you cannot get a mortgage? Absolutely not! It all depends on your credit history (payment pattern, # of credit inquiry, etc).

FYI, each credit inquiry (from credit card, banks, etc) also impacts your score.

[Lizz__20]

Well, I've never had an Amex, but I just applied. No instant approval for me:(, hopefully they don't ask too much when they call. I used my name as my business name. I mostly use my SPG card, but I'll probably convert these to aeorplan points. They should get me somewhere and SPG will give me a place to stay there. Hope I get aproved.

[dinesh_zee]

Is there any number to call if I would have to upgrade my existing no-fee AMEX to this business gold AMEX?
Btw, no legal business name available... so might be a problem if i have to apply over ph.

[tasamy]

Any similar offer for AM Cards?

[slowtyper]

How does this compare to CIBC aerogold and similar cards?

[slowtyper]

I was signing up but they ask a lot of questions about your business. It sounds like the form has changed from the start of the thread where they only asked for the business name. I didn't submit any application yet because I'm not sure how to proceed.

[smash]

stupid question but does your credit rating decrease if you get additional credit cards?

I have a Citi Mastercard and a TD Visa already, and I always wanted to have AMEX in as a part of the collection. Would this affect my credit rating even though I haven't missed out on any of my bill payments?

others factors include

* the number of hard enquiry's creditors have made on your account in a year (lowers your credit score)
* the ratio of debt vs existing credit (ie. maxing or near maxing out your credit makes a you a credit risk and lowers your score)

[najibs]

stupid question but does your credit rating decrease if you get additional credit cards?

I have a Citi Mastercard and a TD Visa already, and I always wanted to have AMEX in as a part of the collection. Would this affect my credit rating even though I haven't missed out on any of my bill payments?

Yes it does affect your future lending power, due to credit exposure. Generally, lenders do not like clients with excessive credit exposure because it will increase lender's risk of bad debt. Does it mean you cannot get a mortgage? Absolutely not! It all depends on your credit history (payment pattern, # of credit inquiry, etc).

FYI, each credit inquiry (from credit card, banks, etc) also impacts your score.

FOr someone who only has 2 credit cards, you'll be fine. You only have to worry if you apply for too much credit in a short period of time. The drop in credit score is only temporary anyways. I have like 8 credit cards and my credit score is almost in the mid 700's :twisted:

[GoodDeal]

I've already transferred the 25,000 Aeroplan miles and cancelled the credit card. The question is can I apply again and get another 25,000 Aeroplan miles ?

[mtlguyca]

I've already transferred the 25,000 Aeroplan miles and cancelled the credit card. The question is can I apply again and get another 25,000 Aeroplan miles ?

Try a few more times, then you will be permanently added to their black list ;)

[galantgtz99]

$180/year fees... no thanks

[Pseudo Nim]

$180/year fees... no thanks

Only after the first year, in which you get 25,000 free Aeroplan points. Duh.

[slowtyper]

I applied with some generic non-real info in the business section...if it doesn't work out I will probably sign up for the CIBC aerogold card for 120/year. Only 15000 pt sign up bonus though and no first year free fee.

[yomister]

Have anyone gotten any luck with filling in non real business info?

[felix]

I think someone may have mentioned this already, what is the minimum annual salary required to qualify for this card?

[OMV]

Have anyone gotten any luck with filling in non real business info?

I got approved today.

[g0blez]

I got approved today.

How did they let you know you got approved? phone, email, snail mail?

[mikesxf]

great stuff, rdfers.

just applied mine using GCD link, that's 25,000 Amiles + $70 rebate if I got approved.

Nice deal!

[neo1973]

I am still trying to choose between this one and RBC Avion Visa. :confused:

[Terrific_Deals2k8]

Why are there so many crooks on RFD? What's wrong with people these days? Ever heard of the word "honesty" or "morals"? And here I was made to believe that most RFD members are educated, apparently not! :mad: STOP LYING just for some Aeroplan points, KARMA will come and bite you in the arse :D

[craeyon]

Why are there so many crooks on RFD? What's wrong with people these days? Ever heard of the word "honesty" or "morals"? And here I was made to believe that most RFD members are educated, apparently not! :mad: STOP LYING just for some Aeroplan points, KARMA will come and bite you in the arse :Dlooks like someone didn't get approved!

[flaming homer]

Why are there so many crooks on RFD? What's wrong with people these days? Ever heard of the word "honesty" or "morals"? And here I was made to believe that most RFD members are educated, apparently not! :mad: STOP LYING just for some Aeroplan points, KARMA will come and bite you in the arse :D

Humm, exactly what are you downloading here via Usenet or P2P that needs in excess of 400 KB/s ?

Hey guys, I just use Alt.Binz and NZBMatrix or Newsleech for free.
I get about 350-400KB/s and have 20 days retention. Not the best for old stuff, but definitely good for newer/recent material.

FYI, I also have 3 connections open but can't seem to break 400KB/s... but meh, still better than P2P/torrents :D

NVM, I just hit 535KB/s on a d/l and holding steady now at 460KB/s (i guess it's just the different servers and bandwidth...)
But I didn't get the "Educated" part. only requirement to visit RFD is the sole desire to save money...

Thanks OP, in for a card + $70 rebate...

[AdidasROXX]

Instead of a call, I actually got an email asking me to call them back which I did and they just verified some info, ask some credit questions to prove it is really you and then approved!

[Terrific_Deals2k8]

Humm, exactly what are you downloading here via Usenet or P2P that needs in excess of 400 KB/s ?


But I didn't get the "Educated" part. only requirement to visit RFD is the sole desire to save money...

Thanks OP, in for a card + $70 rebate...

I download TV episodes because I don't have time to sit infront of the tv and watch all the commercials and/or some shows I like are on at the same time. Is it AGAINST the LAW to d/l tv shows, it's basically PVR. Btw, Canada doesn't have a law prohibiting pirating yet anyway, not that I'm d/l'ing anything illegal. You Sir, just got OWNED!! :D :lol: Now you should spend some time besides reading all the posts other members have created, which is very sad because it means your time is not worth much... Have a nice day ;)

Oh btw, the "educated" part had to do with many members having attended or are currently enrolled in university. Just check the student/career sections and it seems that many RFD members are somewhat "educated" people, yet people that try to defraud and lie to companies (e.g. AMEX) are low class and should be locked in jail. What's the difference b/w stealing a $200-300 suit versus lying about having a business, in order to get 25,000 aeroplan miles (equivalent to $300+)??

[Terrific_Deals2k8]

looks like someone didn't get approved!

I actually didn't apply for this card, because I DON'T have a business and am not about to lie in order to get some aeroplan miles - unlike yourself. So what's your business name and what are you in the field of doing? Care to elaborate?

Actually my father did get approved, but he legitmately has a business as a building/apartment maintenance contractor. And, i've noticed that A LOT of RFD members aren't honest and love to illegally circumvent the system.

[darksith31]

Ok...can someone explain to me WHY I keep getting declined for Amex cards?!?!?!!

I work for Amex, almost 2 years and counting. I have about 6 or 7 different credit cards with around $40000 in credit, and an $8500 Line of Credit with TD. So that's almost $50000 in credit (and I'm only 23 lol). I have balances which equal to around $15000 (yes, I'm using the MBNA balance transfers at 0.97%...don't freak out).

So, I know my credit is bad...really bad...and that my income is roughly $35000. So what's up? Why can't I even get the basic Blue Freaking Air Miles card from Amex? And I work for them!!!!!!!!!! :mad:

[Terrific_Deals2k8]

Have anyone gotten any luck with filling in non real business info?

low life

[Terrific_Deals2k8]

I've already transferred the 25,000 Aeroplan miles and cancelled the credit card. The question is can I apply again and get another 25,000 Aeroplan miles ?

cheater and low life

[Terrific_Deals2k8]

I applied with some generic non-real info in the business section...if it doesn't work out I will probably sign up for the CIBC aerogold card for 120/year. Only 15000 pt sign up bonus though and no first year free fee.

yeah, you go do that buddy. I hope all of you who've lied about your business get blacklisted and your credit rating gets degraded! Liar

[najibs]

Ok...can someone explain to me WHY I keep getting declined for Amex cards?!?!?!!

I work for Amex, almost 2 years and counting. I have about 6 or 7 different credit cards with around $40000 in credit, and an $8500 Line of Credit with TD. So that's almost $50000 in credit (and I'm only 23 lol). I have balances which equal to around $15000 (yes, I'm using the MBNA balance transfers at 0.97%...don't freak out).

So, I know my credit is bad...really bad...and that my income is roughly $35000. So what's up? Why can't I even get the basic Blue Freaking Air Miles card from Amex? And I work for them!!!!!!!!!! :mad:

Did you just not answer your own question? :lol:

yeah, you go do that buddy. I hope all of you who've lied about your business get blacklisted and your credit rating gets degraded! Liar

Amex is actually one of those creditors you never want to fcuk around with. Once you screw them in any way, they will NEVER give you a second chance. It's been proven time over time, as soon as you fall on bad terms with Amex, you're done with them for life! So yes, those thinking of canceling and then re-applying, I strongly advise against it. I posted this deal because it is a deal, even for those like myself who have registered and legal business names. Cancel at the end of the year if you don't like it after you've given it a shot.

[Terrific_Deals2k8]

Did you just not answer your own question? :lol:



Amex is actually one of those creditors you never want to fcuk around with. Once you screw them in any way, they will NEVER give you a second chance. It's been proven time over time, as soon as you fall on bad terms with Amex, you're done with them for life! So yes, those thinking of canceling and then re-applying, I strongly advise against it. I posted this deal because it is a deal, even for those like myself who have registered and legal business names. Cancel at the end of the year if you don't like it after you've given it a shot.

I totally agree with your second point. People shouldn't even think about cancelling and then re-applying and try to get another 25,000 aeroplan miles... because AMEX isn't stupid. And if you've legitmately own a business and operate it, then good for you and kodoos for trying out this card and taking advantage of AMEX's offer. If you like the card then keep it. But if you don't like it, then cancel it before the year is up and you won't have to pay a penny for the card.

This is a good deal that has turned "bad" as per usual.... Too many people on RFD turn something that's a deal TO something that becomes "almost" like a crime, which is quite sad and disappointing!

[jyeung]

Applied. Thanks OP. Own a legitimate business so I qualify.
Switching from Business Gold Airmiles Amex.

- Jason

[GoodDeal]

cheater and low life

Why cheater and low life? I’ve been running legitimate business for the past 8 years. I did apply for the credit card to take advantage of the free Aeroplan miles, which is what Amex is offering.

Are you feeling sorry for Amex? Did you know that they charge 30% interest on this card if you don’t pay the card in full every month? Do you find THAT fair?

Anyways, who are you to judge??

[darksith31]

Why cheater and low life? I’ve been running legitimate business for the past 8 years. I did apply for the credit card to take advantage of the free Aeroplan miles, which is what Amex is offering.

Are you feeling sorry for Amex? Did you know that they charge 30% interest on this card if you don’t pay the card in full every month? Do you find THAT fair?

Anyways, who are you to judge??

Well, in Amex's defense (partly because I work there), the 30% interest charge is when you don't pay it off in full, mainly because it's a charge card. There is no pre-set spending limit, unlike a credit card, where there is a credit limit. So you are offered more flexibility and can make larger purchases to suit your business needs. And 99.9% of the people who own charge cards do indeed pay them off in full, and get the cards mainly because they already know this, so they can avoid the interest charges.

[slowtyper]

What's the difference b/w stealing a $200-300 suit versus lying about having a business, in order to get 25,000 aeroplan miles (equivalent to $300+)??

There is a huge difference. Did you forget that just by having this card people are still putting money on the card? If someone gets this card and spends 20K a year on it what is the difference if its actually a business or not?

[Warrior101]

yeah, you go do that buddy. I hope all of you who've lied about your business get blacklisted and your credit rating gets degraded! Liar

You're and idiot for being so bitter. Do you know how much creditcard companies make off people and businesses?? Do you know the unreasonable amount of interest people pay even if they miss paying 1 payment in full?

Do you know what the free aeroplan points are for? It's used to try to get a larger customer base. Sure there will be some cheaters but in the long run it will help grow their client base and the benefits will outweight the cost of free aeroplan points.

In the US, most of the creditcard companies offer free points with the first years annual fee waived. So stop complaining about people getting free points and look at the bigger picture!

[flaming homer]

So Derek, when are you going to start requiring people to prove their post-secondary education degree before allowing them to post on RFD ?

There's a University forum on RFD ? Whatever for ? Are there deals on University education ?

[Shaf]

great stuff, rdfers.

just applied mine using GCD link, that's 25,000 Amiles + $70 rebate if I got approved.

Nice deal!

what's the GCD link? Thanks!

[bobcat99]

yeah, you go do that buddy. I hope all of you who've lied about your business get blacklisted and your credit rating gets degraded! Liar

Are you the RedFlag Ethical Police? If you have never lied in your life, shared copyrighted software, downloaded music, recorded programs from TV and so on., I salute you.

The key interest rate went down to 1% yesterday and AMEX is charging 30 percent. You think they really care if you have a business or not.

[johnsmithy]

Applied. Thanks OP. Own a legitimate business so I qualify.
Switching from Business Gold Airmiles Amex.

- Jason

you might want to make sure you qualify for the bonus points. i believe it says that you cannot already have a business AMEX product in the fine print.

[Terrific_Deals2k8]

Yes, actually RFD should implement a "Ethical Police group" that'd police and regulate this site. And I would be the perfect candidate :D People who abused deals or blantanly lied to companies and actually came to RFD to brag about it should get banned, period.

I guess most of you'd do anything to get a deal, e.g. lie and cheat, as well as sign up for a deal - get the points and then cancel and try signing up AGAIN to get free points that you don't deserve anymore. It's laughable actually that honesty means nothing to so many people on RFD. Imagine someone taking advantage of your household or small business, how would you feel? Stupid, angry, or both?...

It's people like you guys that ruins RFD's reputation and causes retailers/corporations from stopping any type of promotion. Btw, I do know that CC companies CAN make a lot of money off interest, BUT these companies like AMEX don't put a GUN to your head and force you to spend money and then end up not paying your bills. "With rights, comes responsibilities"!

[Terrific_Deals2k8]

You're and idiot for being so bitter. Do you know how much creditcard companies make off people and businesses?? Do you know the unreasonable amount of interest people pay even if they miss paying 1 payment in full?

Do you know what the free aeroplan points are for? It's used to try to get a larger customer base. Sure there will be some cheaters but in the long run it will help grow their client base and the benefits will outweight the cost of free aeroplan points.

In the US, most of the creditcard companies offer free points with the first years annual fee waived. So stop complaining about people getting free points and look at the bigger picture!

Look at the bigger picture? Ah, I see it now, you're an idiot and brag about lying to companies and post it on RFD to make people feel that you're a "HERO" or something? If you're so against these CC companies charging such high interest, then vote w/ your wallet and don't use their credit card.

NO ONE IS PUTTING A GUN TO YOUR HEAD AND FORCING YOU TO APPLY OR EVEN CARRY A BALANCE ON THIS CHARGE CARD. You made that choice, so if you don't pay off the balance, then i don't blame AMEX for earning interest income. If you're really angry about the matter, then do something legit to try to change the situation like creating or joining a petition etc...

IN THE END, YOU'RE NO BETTER THAN THESE COMPANIES YOU DETEST SO MUCH. YOU'RE ACTUALLY WORSE! Amex spelled out the terms of agreement clearly for everyone to see, so you signed-up for 30% interest. Now who's the IDOIOT, you hypocrite & liar!!

[Terrific_Deals2k8]

There is a huge difference. Did you forget that just by having this card people are still putting money on the card? If someone gets this card and spends 20K a year on it what is the difference if its actually a business or not?

So by your logic, does that mean I can take a computer monitor from FS for free just because I have a FS CC that I can charged 10K of home theater equipment on it and pay it off? You're logic is really flawed. Stealing is steal and lying is lying, you're so immoral that you try to justify something that's clearly WRONG

Btw, this offer is MEANT for business owners ONLY. Not personal, or else it's be the AMEX Personal Gold Card. So it does make a difference. AMEX just might cancel this deal because of you guys, and everyone that could've legitmately received this deal would be out of luck as a result of your selfish attitude and actions. GOOD JOB!

[slowtyper]

So by your logic, does that mean I can take a computer monitor from FS for free just because I have a FS CC that I can charged 10K of home theater equipment on it and pay it off? You're logic is really flawed. Stealing is steal and lying is lying, you're so immoral that you try to justify something that's clearly WRONG

Btw, this offer is MEANT for business owners ONLY. Not personal, or else it's be the AMEX Personal Gold Card. So it does make a difference. AMEX just might cancel this deal because of you guys, and everyone that could've legitmately received this deal would be out of luck as a result of your selfish attitude and actions. GOOD JOB!

Actually your example is nothing close to what my logic was in that post. My logic was that from AMEX's point of view, when I get my card and use it for $20K in purchases this year, there is no difference to them whether or not I actually had my registered business. The net outcome for amex is EXACTLY THE SAME. How the heck did you get that weird FS monitor example???

Actually as it turns out my family does have a registered business but I forgot about it at the time I was applying...too bad.

I love how you get so worked up over this! I want to give you a cookie and pat you on the head.

[Terrific_Deals2k8]

Actually your example is nothing close to what my logic was in that post. My logic was that from AMEX's point of view, when I get my card and use it for $20K in purchases this year, there is no difference to them whether or not I actually had my registered business. How the heck did you get that weird FS monitor example???

Actually as it turns out my family does have a registered business but I forgot about it at the time I was applying...too bad.

I love how you get so worked up over this!

You're technically stealing and it does matter because if you don't own a business - not your family or b/f or whatever, then you shouldn't receive the 25,000 points which is valued at approximately $300. Therefore, does it give you the RIGHT to take advantage of AMEX just because they are offering this deal?

Are you special because you're spending $$$ on their credit card? By your logic then, EVERYONE on RFD should be able to get this deal as long as we spend a $1000 minimum. WTF?! Do you know how much Amex would lose in that case? And you do know that Amex could LEGALLY withdrawal all their points from you because you lied on their application?

Would it be okay for you to lie on your job application or credit application? If your answer is NO to those questions, then what makes you think that you can lie on this deal/offer? I rest my case. You should stop trying to right a wrong because it really isn't helping your situation...

[slowtyper]

You should stop trying to right a wrong because it really isn't helping your situation...

It's not hurting my situation either but its amusing watching you get all huffed up.

[tienm23]

Great deal, thanks OP!! Got a confirmation call from the yesterday, the lady on the phone had such a thick accent that I could hardly understand her.

...and I recommend that everyone start a small business!

[neo1973]

Just as a side note: there is no grace period for a charge card.

[donye]

Just as a side note: there is no grace period for a charge card.

I received this card and bought a dell computer with this card.
my balance now $1218.
I got 26,000 points
Do i have to pay my balance right now or wait for the statment?

[darksith31]

I received this card and bought a dell computer with this card.
my balance now $1218.
I got 26,000 points
Do i have to pay my balance right now or wait for the statment?

Once you receive your statement in the mail, you have a due date. Make sure you pay it by the due date, and you're fine. It would be unreasonable whenever you made a purchase to have to go home and pay it off right away. If that's the case, then just carry cash with you (NOT recommended, especially if you're carrying around 1 of 2 thousand dollars).

[najibs]

Just as a side note: there is no grace period for a charge card.

Wrong. THe only difference between it and a regular card is that the balance is due in FULL on the due date.

[darksith31]

Wrong. THe only difference between it and a regular card is that the balance is due in FULL on the due date.

It's surprising that people think charge cards have to be paid off in full at the end of each month. Technically, they do; but you CAN carry a balance if you need to. It's just the APR is 30%.

So think of it as a credit card then: pay it off in full...avoid all interest charges...carry a balance...pay 30% interest. Easy as pie.

[cko64]

I didn't read through the entire thread, if my question has been answered, please refer me to the post, my apology.

"Reward Yourself. Or Your Business. Earn 1 Membership Rewards® point for each dollar in purchases charged to your Card. Plus each year, you can earn up to 40,000 Membership Rewards purchase bonus points: 15,000 bonus points when you reach $50,000 in purchases and a further 25,000 bonus points when you reach $100,000 in purchases"

The 40,000 bonus points for spending $100,000, is it Calender Year (Jan. 1 - Dec. 31) or Fiscal Year?

I have a business and I do charge everything to my credit cards, so $100,000 is easily achieved. I want to spread my spending to other credit cards once this bonus is done.

[darksith31]

I didn't read through the entire thread, if my question has been answered, please refer me to the post, my apology.

"Reward Yourself. Or Your Business. Earn 1 Membership Rewards® point for each dollar in purchases charged to your Card. Plus each year, you can earn up to 40,000 Membership Rewards purchase bonus points: 15,000 bonus points when you reach $50,000 in purchases and a further 25,000 bonus points when you reach $100,000 in purchases"

The 40,000 bonus points for spending $100,000, is it Calender Year (Jan. 1 - Dec. 31) or Fiscal Year?

I have a business and I do charge everything to my credit cards, so $100,000 is easily achieved. I want to spread my spending to other credit cards once this bonus is done.


On your statement, there is a date on which the amount of $ you spent in the year resets to zero. Then during the next year, if you spend the certain amount, then you will get the bonus points.

[KillaB]

Great deal, thanks OP!! Got a confirmation call from the yesterday, the lady on the phone had such a thick accent that I could hardly understand her.

...and I recommend that everyone start a small business!

Actually I've been wanting to start a hobby business for awhile now.

Is this the link where I need to register?
http://www.cra-arc.gc.ca/tx/bsnss/tpcs/bn-ne/bro-ide/rstrctns/chcklst-eng.html

I read somewhere it's $60 for Ontario residents. Is it the same for BC?

[felix]

What does the Aeroplan miles reward for daily usage work out to in terms of a reward percentage compared to no fee cards such as PC Financial Mastercard (1% cashback equivalent in grocery), Premier Rewards Platinum Plus Mastercard (1% cashback), etc.

[bgfraser]

Have anyone gotten any luck with filling in non real business info?

Why lie? I just told the truth, and got immediately accepted.
Business: Fraser family
My position in the company: Dad.

Bruce Fraser

[slowtyper]

Why lie? I just told the truth, and got immediately accepted.
Business: Fraser family
My position in the company: Dad.

Bruce Fraser

Are you registered?

Anyways, I got mine but haven't actually received the card yet.

[peety]

Applied this card on Monday, got call this morning , just easy question,

they pull up ur file from Equifax, just generate 2 or 3 multiple question for u.

the question I got, 1 which city do u live in 2007
2 your previous employer


I'll get my card in 10 business days,

the call is from 905 475 1175 . AMEX toronto call centre.

hope this info helps

I just got called from AMEX with similar questions pulled up from Equifax. Too bad I didn't study and failed. They then proceeded to ask me about my bank and needed the branch/account info to verify my identity. No real questions about my business which I don't have.

[KillaB]

Actually I've been wanting to start a hobby business for awhile now.

Is this the link where I need to register?
http://www.cra-arc.gc.ca/tx/bsnss/tpcs/bn-ne/bro-ide/rstrctns/chcklst-eng.html

I read somewhere it's $60 for Ontario residents. Is it the same for BC?

Looks like it's $70 to reserve a business name and register within BC.
http://www.canadaone.com/tools/startingabusiness.html

[eyap]

Any of you ever received an instant decision (approval)?

[tng11]

Any of you ever received an instant decision (approval)?

It doesn't seem to work for the Business card. My dad got this card (his 4th AMEX) and the first 3 were all approved instantly online. This one wasn't. :|

[donye]

Is the travel accident insurance cover,only for card holder or whole family?
Do i have to pay for travel ticket from this card to cover travel accident insurance?

[Arrgh]

I applied this card in early Dec. At that time I cancelled my Amex aerogold which was up for renewal. They said it doesn't matter I had a "previous" Amex card as the new card application is processed by another dept.

On Dec. 20 when I called t inquire, I was told the card was approved and mailed out from Toronto on Dec. 19. I kept hoping to get it soon, for last minute X-mas shopping, or for Boxing day sales. But nothing.

In early Jan., when I called I was told it was NOT mailed out Dec. 19, but Dec. 20, and not from Toronto. The next day, I called and was told they don't process or send new cards out from Dec. 19 until the new year.

I got the card on Jan. 7 and activated right away to use. I then called and was told my renewal date is Dec. 19, the date the card was approved. I asked them to change the renewal date to Jan. 7, to be fair, as I didn't have the card. They said they cannot change the renewal date, and that they've been doing busines this way for 51 years in Canada.

[darksith31]

Is the travel accident insurance cover,only for card holder or whole family?
Do i have to pay for travel ticket from this card to cover travel accident insurance?

Travel Accident Insurance covers accidental death and dismemberment for the cardmember and spouse, as well as people over 21, up to $100000, depending on what card...and yes, the whole travel flight ticket has to purchased on the Amex.

I applied this card in early Dec. At that time I cancelled my Amex aerogold which was up for renewal. They said it doesn't matter I had a "previous" Amex card as the new card application is processed by another dept.

On Dec. 20 when I called t inquire, I was told the card was approved and mailed out from Toronto on Dec. 19. I kept hoping to get it soon, for last minute X-mas shopping, or for Boxing day sales. But nothing.

In early Jan., when I called I was told it was NOT mailed out Dec. 19, but Dec. 20, and not from Toronto. The next day, I called and was told they don't process or send new cards out from Dec. 19 until the new year.

I got the card on Jan. 7 and activated right away to use. I then called and was told my renewal date is Dec. 19, the date the card was approved. I asked them to change the renewal date to Jan. 7, to be fair, as I didn't have the card. They said they cannot change the renewal date, and that they've been doing busines this way for 51 years in Canada.

Unfortunately, that's correct. It works the same way with balance transfers. If you don't do a balance transfer on the phone when you apply, then the "six months 3.99% interest" starts from that day. So you won't get the card for at least three weeks. It sucks how you lose almost a month just for getting the card. But that's just how it is. :mad:

[Killer~Socks]

I see nothing in the agreement that states your business must be registered.

[dinesh_zee]

Is the "Car rental theft & damage insurance" provided by this AMEX card similar to the CLDI from any VISA gold card?

[Arrgh]

Unfortunately, that's correct. It works the same way with balance transfers. If you don't do a balance transfer on the phone when you apply, then the "six months 3.99% interest" starts from that day. So you won't get the card for at least three weeks. It sucks how you lose almost a month just for getting the card. But that's just how it is. :mad:

If I had been to the correct info the first time, then I'd rather they do the processing/approval for the new year, so the renewal date starts in the new year. By setting the renewal date for Dec. 19, but not process or mail the card out for 2 weeks, is robbing the customer for those 2 weeks.

I miss out on using the card for the last-minute X-mas and Boxing day shopping of 2008. Will also miss out the same for 2009, as the year expires on Dec. 18/09.

[darksith31]

If I had been to the correct info the first time, then I'd rather they do the processing/approval for the new year, so the renewal date starts in the new year. By setting the renewal date for Dec. 19, but not process or mail the card out for 2 weeks, is robbing the customer for those 2 weeks.

I miss out on using the card for the last-minute X-mas and Boxing day shopping of 2008. Will also miss out the same for 2009, as the year expires on Dec. 18/09.

I know. Your situation really sucks. But our system doesn't allow us to do anything to change the renewal dates. And when the card was sent out on December 19, don't expect to receive it in a couple days. With the whole Christmas season, you're actually lucky that you got it in 2 weeks. I've had cardmembers call me that they haven't received their card in over a month. THEN I would be super pissed.

[Arrgh]

I know. Your situation really sucks. But our system doesn't allow us to do anything to change the renewal dates. And when the card was sent out on December 19, don't expect to receive it in a couple days. With the whole Christmas season, you're actually lucky that you got it in 2 weeks. I've had cardmembers call me that they haven't received their card in over a month. THEN I would be super pissed.
Well, that's where I kept getting conflicting info. In the different times I called, I was told the card was mailed out on Dec. 19 from Toronto the first few times. Then I was told it was mailed out on Dec. 20, but not from Toronto. Then I was told that they stopped making new cards for mail out after Dec. 19 but would resume after the new year.

Using the holidays and postal delay as a reason is one thing. But keep changing the stories within Amex is another. After all those different stories I was told, it's looking more and more like the card was not cut and mailed out until after the new year. But the renewal date was already set at Dec. 19.

[darksith31]

Well, that's where I kept getting conflicting info. In the different times I called, I was told the card was mailed out on Dec. 19 from Toronto the first few times. Then I was told it was mailed out on Dec. 20, but not from Toronto. Then I was told that they stopped making new cards for mail out after Dec. 19 but would resume after the new year.

Using the holidays and postal delay as a reason is one thing. But keep changing the stories within Amex is another. After all those different stories I was told, it's looking more and more like the card was not cut and mailed out until after the new year. But the renewal date was already set at Dec. 19.

AFAIK, for the two years I've worked at Amex, they ship the cards from Toronto.

And the people you talked to are morons. When we pull up your file when you call to activate your card, there is a section to see when the most recent card was issued. There is only one date. I don't know how the rep could have been mistaken. Or when you called the second time, they gave a different date, that rep is seriously messed up. I feel bad for the majority of cardmembers who have to deal with reps that have a thick accent or someone who doesn't speak English very well. :S

[Arrgh]

AFAIK, for the two years I've worked at Amex, they ship the cards from Toronto.

And the people you talked to are morons. When we pull up your file when you call to activate your card, there is a section to see when the most recent card was issued. There is only one date. I don't know how the rep could have been mistaken. Or when you called the second time, they gave a different date, that rep is seriously messed up. I feel bad for the majority of cardmembers who have to deal with reps that have a thick accent or someone who doesn't speak English very well. :S

Don't know what file you look at. I called many times between Dec. 20 and the date I finally got the card on Jan. 7. They all spoke good English and knew what I was asking.

They just kept giving different stories on when the card was made, when it was mailed out, and where it was mailed out from.

But they were all consisent in saying the renewal date was Dec. 19.

[NiteHawk]

It states as an application requirement "In the past 7 years you have not filed for bankruptcy and always made your monthly payments on time."

Have people been approved who have missed a monthly payments before?

[Tilter]

I'm currently a student who posted a 10K Income Tax the previous year. I have 2 CC with 4.5K and 5K Limits from Mastercard and another card from Visa. I haven't been late on CC payments (5 years) and have already repaid OSAP debts.

What are the chances I will be approved?

Would it be worth my while to apply knowing I will lower my credit score in the process (also won't have a legit business obviously unless I count my small-time eBay selling).

[darksith31]

I'm currently a student who posted a 10K Income Tax the previous year. I have 2 CC with 4.5K and 5K Limits from Mastercard and another card from Visa.

What are the chances I will be approved?

Would it be worth my while to apply knowing I will lower my credit score in the process (also won't have a legit business obviously unless I count my small-time eBay selling).

The business part is BS. You do NOT need to have a business to apply for this card (trust me, I work there). Its just touted as a business card becuase it has benefits for those who own a business. If you have a business, great. Apply for it. If not, then get it just for the first year being waived and the bonus points. That's what 95 percent of applicants do. I dunno why everyone is getting their panties in a bundle on such a mundane subject. And you should apply for this card. 99 percent of the time someone like you would get approved.

[Tilter]

Awesome, thanks darksith I'll apply.

[darksith31]

Just whatever you do, make sure your credit score is not low. Mine is 655 (yeah I know, pretty crappy), and I got declined twice for an Amex.

[Tilter]

How do they credit the aeroplan once you spend $1000? I didn't see a place to attach the Aeroplan card.

And how can you check your credit score?

[darksith31]

How do they credit the aeroplan once you spend $1000? I didn't see a place to attach the Aeroplan card.

You have to call Aeroplan to 'link' your account to your Amex card. It's very easy. And it does take at least a month to make the credit to your Aeroplan account. Make sure you check though; I've had many cardmembers call asking where their points were and they had to call Aeroplan to have them credited immediately.

[dinesh_zee]

You have to call Aeroplan to 'link' your account to your Amex card. It's very easy. And it does take at least a month to make the credit to your Aeroplan account. Make sure you check though; I've had many cardmembers call asking where their points were and they had to call Aeroplan to have them credited immediately.

hey!

The spend $1000 within 3 months promo starts as soon as my card is approved or only after I activate my card?

:confused:

[lane99]

You have to call Aeroplan to 'link' your account to your Amex card...

Hmm, I thought you just accumulate the points as "Amex Reward" points. And then you have various options as to what you can do with those points.

With one option you can convert them to Aeroplan points on a 1 for 1 swap.

Not right?

[Tiberius]

Hmm, I thought you just accumulate the points as "Amex Reward" points. And then you have various options as to what you can do with those points.

With one option you can convert them to Aeroplan points on a 1 for 1 swap.

Not right?

I think that's correct - but I believe most people here want to convert them to Aeroplan points as soon as they have the AMEX points.

If anyone knows the best way to accomplish this, please share the knowledge - it will be appreciated by many here!

From what the previous poster said, this is one way to get the AMEX points changed to Aeroplan:

1) Call Aeroplan to link your account to the AMEX card (once this is done, do the AMEX points immediately and automatically become Aeroplan points??)

Are there other methods?

[shoooter_j]

I think that's correct - but I believe most people here want to convert them to Aeroplan points as soon as they have the AMEX points.

If anyone knows the best way to accomplish this, please share the knowledge - it will be appreciated by many here!

From what the previous poster said, this is one way to get the AMEX points changed to Aeroplan:

1) Call Aeroplan to link your account to the AMEX card (once this is done, do the AMEX points immediately and automatically become Aeroplan points??)

Are there other methods?

Very simple to do:

1. Call AMEX - they will ask for your Aeroplan when you tell them you want to do the 1 to 1 conversion. They will do this to the nearest 100 pts. (e.g. if you have 3999 amex pts., you can only convert 3900 to Aeroplan)

2. Go on the AMEX website - after you login, you can submit a request through the rewards link. This can only be done to the nearest 1000 though.

[Avignon]

Set up an Amex online account; as the previous poster said, link your Aeroplan # to that card.

Then you manually transfer with the following restrictions as quoted from the Amex transfer page:

"1.To transfer points to a frequent traveller participant that is already linked to your Membership Rewards account, please select from the "Your Current Participants" drop down menu and click "Transfer".
2.If you are currently enrolled in a frequent traveller participant program but it is not linked to your Membership Rewards account, please select from the "Available Participants" drop down menu and click "Next". Please allow 5 to 7 business days to link your frequent traveller program account.(Aeroplan is done instantly.)
3.If you would like to enroll in a new frequent traveller participant program, and link it to your Membership Rewards account, please select from the "Available Participants" drop down menu and then click "Next". Please allow 5 to 7 business days to enroll in a new frequent traveller program account. (Aeroplan is done instantly.)"

"Minimum of 1,000 ;
Increments of 100
1,000 Membership Rewards Points = 1,000 Aeroplan Points "

[wighty16]

Got approved. Let the spending begin!

[chadw01]

Wow, 13 pages but I finally caught up.

Thanks OP for the offer - I am contemplating applying for the card, but not sure yet.

To those posters on here who work for AMEX.. this is obviously a limited time offer - any ideas on a date when this expires?

To those thinking about signing up, getting the 25k miles and cancelling the card, keep in mind that your credit score would likely take a hit if you canceled.. that alone should give you time to reflect on whether the miles are really worth it:

http://www.bankrate.com/brm/news/cc/20061114_cancel_card_credit_scorea.asp

[dealsngh]

this is a business credit card. Will it still hit credit score? I thought business and personal reporting is separate. II also heard that charge cards are not good for credit as they supposedly have unlimited spending limit?

[happen.stance]

Why lie? I just told the truth, and got immediately accepted.
Business: Fraser family
My position in the company: Dad.


LOL, I couldn't help but laugh! It actually worked?

The business part is BS. You do NOT need to have a business to apply for this card (trust me, I work there). Its just touted as a business card becuase it has benefits for those who own a business. If you have a business, great. Apply for it. If not, then get it just for the first year being waived and the bonus points. That's what 95 percent of applicants do. I dunno why everyone is getting their panties in a bundle on such a mundane subject. And you should apply for this card. 99 percent of the time someone like you would get approved.

I guess that settles the debate once and for all. Although, perhaps someone else who works for AMEX can confirm.;)

[Medici]

awesome.. just applied. i spend a lot on advertising and this would be a kick ass card to get some free flights through..

[darksith31]

Wow, 13 pages but I finally caught up.

Thanks OP for the offer - I am contemplating applying for the card, but not sure yet.

To those posters on here who work for AMEX.. this is obviously a limited time offer - any ideas on a date when this expires?

To those thinking about signing up, getting the 25k miles and cancelling the card, keep in mind that your credit score would likely take a hit if you canceled.. that alone should give you time to reflect on whether the miles are really worth it:

http://www.bankrate.com/brm/news/cc/20061114_cancel_card_credit_scorea.asp

This is a limited time offer. The 25000 points will liekly be reduced to 15000 once the promotion is over, and the annual fee being waved will be over very VERY soon. These promotions are done obviously because Amex wants to grab a wider business customer base. And this card is, honestly, one of the best Amex has to offer.

[Tilter]

I received an e-mail from them today asking me to contact them, this can't be a good sign can it? I hope they don't ask about the business :P



SUBJ: Your Recent Request - Information Required

We appreciate your interest in American Express. To proceed with your recent request, please contact our New Accounts Department at 905.475.1175 or 1.800.575.2273. Our hours of operation are Monday to Friday from 8:30am to 9:00pm EST, and Saturday from 10:00 am to 6:00 pm EST.

[slowtyper]

I received an e-mail from them today asking me to contact them, this can't be a good sign can it? I hope they don't ask about the business :P

It is a good sign. I am certain they are only confirming your identity. They will look into your credit file and ask you some multiple choice questions to verify yourself.

[dinesh_zee]

You can't transfer your AMEX points to somebody else Aeroplan account i.e., the Aeroplan membership should be in your name.

I wonder if you could transfer your AMEX points to somebody else AMEX points account. :confused:

[Shinjieva01]

k... i caved in and applied =p ...

wish i found out about this back in December, when I couldve used it to pay for my grad school apps and second term course fees which already amounts to about $1000 :(

[Yelo]

Don't worry about it. They will be calling you very shortly. I got the same email and I ignored it. But they kept calling me within the week. Ended up they just had to confirm something and I got my card.

They sounded like they really want my business. Coz I was late sending them confirmation and they kept calling me every week to remind me.

I received an e-mail from them today asking me to contact them, this can't be a good sign can it? I hope they don't ask about the business :P

[Tilter]

Sweet, thanks for the responses guys, it sounds like a good card. 25K Aeroplan for $1000 + 1K Aeroplan for the 1K you spend. I'll ring them up tomorrow.

Edit: called them up did the verifying and I am good to go. Card will arrive in 7-10 days they day :)

[eliteblaze2]

wow I thought Amex would be more strict on charge cards but it looks like I'm approved! Funny since MBNA turned me down a few weeks ago (there was more to that but still)

[darksith31]

wow I thought Amex would be more strict on charge cards but it looks like I'm approved! Funny since MBNA turned me down a few weeks ago (there was more to that but still)

Actually, charge cards are EASIER to get approved for because they have less risk involved. You don't pay your balance? BOOM. 30% interest. Therefore, more people are inclined to pay their balances off every month.

[HotDeal]

What is the value of 25k in points.

I have a cash back Amex (1/2% first $2,500, 1% next $2,500 and the rest 2% per Year).

I just got my statement with cash rebate for last Year of $630 for almost 35k in purchases in '08. I know my card is not available for new customers.

I wonder if it is worth applying for this one too.

[AdidasROXX]

It is a good sign. I am certain they are only confirming your identity. They will look into your credit file and ask you some multiple choice questions to verify yourself.

I will confirm that. I called in. They needed to confirm my credit report by asking multiple choice questions and that's it. Nothing about business. After that, they basically said you're approved over the phone and to wait for the card.

[milkyt]

I applied online yesterday. Guess I should have called in. Oh well.... now we will see. Thanks OP.

[darksith31]

What is the value of 25k in points.

I have a cash back Amex (1/2% first $2,500, 1% next $2,500 and the rest 2% per Year).

I just got my statement with cash rebate for last Year of $630 for almost 35k in purchases in '08. I know my card is not available for new customers.

I wonder if it is worth applying for this one too.

Whatever you do, do NOT cancel this card. You will never be able to get it again. This is, I believe, the best credit card in Canada. And as for applying for the new card, it all depends. Would you rather earn cash back or Aeroplan miles? For your spending habits, the cash back you earned last year is pretty awesome. It's like you spent normally on a credit card, and get a free HDTV at the end of the year for doing nothing. Pretty good if you ask me.

[Sgt_Strider]

Whatever you do, do NOT cancel this card. You will never be able to get it again. This is, I believe, the best credit card in Canada. And as for applying for the new card, it all depends. Would you rather earn cash back or Aeroplan miles? For your spending habits, the cash back you earned last year is pretty awesome. It's like you spent normally on a credit card, and get a free HDTV at the end of the year for doing nothing. Pretty good if you ask me.

Is this better than a CIBC Aeroplan Visa card? I don't have one or need one, but my dad has been using the CIBC Visa card for years and it has rewarded him pretty well with a lot of free flights. Will this card be any better? I think the CIBC card cost like $120/year and this AMEX card will be slightly more expensive.

[darksith31]

Is this better than a CIBC Aeroplan Visa card? I don't have one or need one, but my dad has been using the CIBC Visa card for years and it has rewarded him pretty well with a lot of free flights. Will this card be any better? I think the CIBC card cost like $120/year and this AMEX card will be slightly more expensive.

I have the CIBC Aeroplan Card, and honestly, it's AWESOME. For $120 per year, you get 1 mile per dollar spent. At gas stations, grocery stores, and pharmacies (SDM, etc...), you get 1.5 MILES!!! The Amex card gives you 1 for 1, but it's a much better card IF you spend over $100000 in net purchases in a year, because you'll get 25000 points for signing up, an extra 40000 points for meeting that requirement, and 100000 EXTRA points for spending that amount ($100000 is equal to 100000 Aeroplan points).

So that's 165000 points in the first year. You can redeem that for a 50" HDTV. That's freaking ridiculous.

[emocean]

What's the value of aeroplan points roughly? We currently have a TD Business Visa w/ Travel which gets us 1.5% towards travel (don't have to book through their service). Spend about $130000 / year

::

[Hellfire]

What's the value of aeroplan points roughly? We currently have a TD Business Visa w/ Travel which gets us 1.5% towards travel (don't have to book through their service). Spend about $130000 / year

::

Depends what you redeem the aeroplan points for. But if your use them for international flights - business class - it works out to:

I recently got the Aerogold Infinte Visa.

15,000 Bonus Points, and I've spent $15,000 within the last 30 days.

Assuming I spend only $15,000 a year, none of which are 1.5 pt transactions then to reach 85,000 miles it would take about 5 years.

Five years of fees = $600

85,000 miles = Round trip first class from Edmonton to London England.

Cost of that ticket = $10680.99

Taxes and fees payable: $544.75

Spending: $75,000 + $600 + $544.75 = $76,144.75

$10,680.99 / $76,144.75 = 0.14 = 14% return

[Sgt_Strider]

I have the CIBC Aeroplan Card, and honestly, it's AWESOME. For $120 per year, you get 1 mile per dollar spent. At gas stations, grocery stores, and pharmacies (SDM, etc...), you get 1.5 MILES!!! The Amex card gives you 1 for 1, but it's a much better card IF you spend over $100000 in net purchases in a year, because you'll get 25000 points for signing up, an extra 40000 points for meeting that requirement, and 100000 EXTRA points for spending that amount ($100000 is equal to 100000 Aeroplan points).

So that's 165000 points in the first year. You can redeem that for a 50" HDTV. That's freaking ridiculous.

For privacy reasons, I can't say how much my dad spends on his card each year, but usually he gets enough points to redeem for multiple tickets to cover almost the entire family. That's how I've been able to travel to the US back and forth for much of this decade for close to nothing. The only thing that I pay is just for the taxes and fuel surcharges since the aeroplan points don't cover for that.

[Flyhigh]

What are my chances of getting this card?

I recently applied and got approved for a BMO platinum airmiles mastercard and the AMEX platinum airmiles credit card both back in October. I was surprised when AMEX gave me a low credit to start, because they said it doesn't matter if I had 10 years of credit history with TD VISA, I was a new customer with AMEX so they can't offer high credit limits to start. They said to call back in 6 months to request limit increases.

My question is Should I apply for this card now, or in 6 months? Would the credit check within these few months hurt my credit score? Thanks!

[GPS]

I was approved two weeks ago, and still don't have my card. Did it take others this long or should I call them to check on it?

[yjzeng]

I was approved two weeks ago, and still don't have my card. Did it take others this long or should I call them to check on it?

I was on the same boat. However, I did receive my rebate from great***canadianrebates site already:lol:. I assume the card will be mailed to me soon or later.

[Shinjieva01]

yay just got the call.. approved within 5 minutes... said il be getting the card in 7-10 business days.

[porphyra]

yay just got the call.. approved within 5 minutes... said il be getting the card in 7-10 business days.

What kind of questions were you asked?

[TripleQ]

What kind of questions were you asked?

A bunch of multiple choice questions based on info on your credit history.

[yayaya]

What's the value of aeroplan points roughly? We currently have a TD Business Visa w/ Travel which gets us 1.5% towards travel (don't have to book through their service). Spend about $130000 / year

::

To buy them raw from Aeroplan it is .03 CDN each.

[milkyt]

yay just got the call.. approved within 5 minutes... said il be getting the card in 7-10 business days.


Ditto. Got the email and called today.

I'm so happy about this b/c I was just about to do the CIBC Aerogold to get 15,000 points and would have had to pay $120.00. This deal Rocks!!! Thanks again OP!

[belfour]

Got approved as well... now have to wait for the card.

[craeyon]

ey how long does this card take to come in the mail.. its been a bloody week and a half since I got the confirmation call

[darksith31]

I got approved for this card finally (I'm the one that works at Amex), and I have a hilarious story to tell anyone who is interested in hearing about Amex's "exceptional" customer service. LOL pm me.

[craeyon]

I got approved for this card finally (I'm the one that works at Amex), and I have a hilarious story to tell anyone who is interested in hearing about Amex's "exceptional" customer service. LOL pm me.
just post it here mate

[darksith31]

just post it here mate

As much as I would love to, I just can't. They monitor what we say on the net at my work.

[craeyon]

As much as I would love to, I just can't. They monitor what we say on the net at my work.Big Brother is watch eh? post it from home?

[darksith31]

Big Brother is watch eh? post it from home?

I would love to but that won't work either. It's complicated. The only way I can post it is through PM's.

[Tilter]

Wow 85000 aeroplan for first class tickets to London is worth 10K+

Is the 25K Aeroplan also first class tickets to anywhere in North America?

[Medici]

woo hoo! just got approved for this card. this will help my business sooooo much. I'm very excited for this.

*dances*

[HighFlyer]

Is the 25K Aeroplan also first class tickets to anywhere in North America?
no, you need 40K for business class in NA.

[wpooh888]

Anyone apply for this card get a letter from AMEX asking them to fill out a form with their bank information to send back to them ?

[slowtyper]

Anyone apply for this card get a letter from AMEX asking them to fill out a form with their bank information to send back to them ?

I was asked to mail them a $1 cheque from my personal bank, which they would use for verification purposes instead of the multiple-choice questions over the phone. They said I could have given them my banking information over the phone, but I would be charged $25 or something for doing it that way.

[Medici]

hmm no. I just answered their multiple choice identity questions and got approved.

[crazyp]

I received my card friday! Now I have to start spending!

I got my 70$ from GCR too last Wednesday.

[jyeung]

Got my 25,000 bonus points in one $1000+ server rental fee.
Now to convert them to Aeroplan :)

- Jason

[darksith31]

The only reason I'm posting this is because I think I have contributed to this thread many times, and some people would want to know this.

Yesterday, I got laid off from American Express after working with them for two years. They cited "changing market conditions and a restructuring of their whole company" as a reason for my termination. I got a pretty good severance package, am eligible for UI, and $650 worth of benefits need be (dentist, eye care, massages, contacts, etc...that I can use until February 16th.

This whole recession is really $hitty. My sister got laid off her job last year (hair salon) and the next day my grandfather passed away. My best friend got FIRED from her job (big hotel reservation centre) and a couple weeks later her great grandmother passed away. This year has been awful so far.

But I'm looking optimistic...I can concentrate full time on my studies at school, and while collecting UI, slowly looking for another part time job (if anyone has any experiences from working at the Apple Store, please let me know :D). Just thought my fellow RFDer's should know this.

[craeyon]

The only reason I'm posting this is because I think I have contributed to this thread many times, and some people would want to know this.

Yesterday, I got laid off from American Express after working with them for two years. They cited "changing market conditions and a restructuring of their whole company" as a reason for my termination. I got a pretty good severance package, am eligible for UI, and $650 worth of benefits need be (dentist, eye care, massages, contacts, etc...that I can use until February 16th.

This whole recession is really $hitty. My sister got laid off her job last year (hair salon) and the next day my grandfather passed away. My best friend got FIRED from her job (big hotel reservation centre) and a couple weeks later her great grandmother passed away. This year has been awful so far.

But I'm looking optimistic...I can concentrate full time on my studies at school, and while collecting UI, slowly looking for another part time job (if anyone has any experiences from working at the Apple Store, please let me know :D). Just thought my fellow RFDer's should know this.Sorry to hear that mate, but good for you to look at the silver lining instead.

P.S. You should come to Alberta. We are so short of people that we lowered our hiring age to 12 years :lol:

[JWL]

Yesterday, I got laid off from American Express after working with them for two years. They cited "changing market conditions and a restructuring of their whole company" as a reason for my termination. I got a pretty good severance package, am eligible for UI, and $650 worth of benefits need be (dentist, eye care, massages, contacts, etc...that I can use until February 16th.

Sorry to hear that. Glad to hear you are looking ahead and doing things to improve your future. Good luck.

[darksith31]

Sorry to hear that mate, but good for you to look at the silver lining instead.

P.S. You should come to Alberta. We are so short of people that we lowered our hiring age to 12 years :lol:

hahahah...that sounds good :)

what do you do in Alberta? this economy is real stoopid

[slowtyper]

hmm no. I just answered their multiple choice identity questions and got approved.

It depends on how much credit history you have. If you don't have much they will ask you to send info because they don't have enough data to generate M/C questions for you.

EDIT: I did that a couple weeks ago. Today a rep called me and said they cashed my cheque but were waiting for it to clear before approving my application. Then he said "oh well let me just give you some MC questions and I can approve it today" so I said sure, a few minutes later I am done and my card will be mailed out to me. Don't know why the first representative said I couldn't do the test but I'm happy anyways.

darksith31, Sorry to hear about your situation. I think credit card companies are thriving with increased profits during this recession. If you haven't "accepted" the package they gave you, might be worth a shot to negotiate a bit more.

[darksith31]

It depends on how much credit history you have. If you don't have much they will ask you to send info because they don't have enough data to generate M/C questions for you.

darksith31, Sorry to hear about your situation. I think credit card companies are thriving with increased profits during this recession. If you haven't "accepted" the package they gave you, might be worth a shot to negotiate a bit more.

I'm taking a law clerk program at Seneca right now, and one of my classes is Contracts, which this is clearly relevant. How would I negotiate more? Do I do it with my manager or the Director of HR (that's what she said)?

The stupid united states really fcked our economy badly. My best friend's mom, who is a Senior Analyst at RBC for 30 years, told me the economy won't get better for another two years... :(

[craeyon]

hahahah...that sounds good :)

what do you do in Alberta? this economy is real stoopidI am actually in IT in Telus as a SAP Administrator.

[slowtyper]

I'm taking a law clerk program at Seneca right now, and one of my classes is Contracts, which this is clearly relevant. How would I negotiate more? Do I do it with my manager or the Director of HR (that's what she said)?

Sorry I don't really know much about it, it was a suggestion after reading this thread which you should also:
http://www.redflagdeals.com/forums/showthread.php?t=696407

It might be very unlikely to get something more, but the RFD'er in me seems to think its worth pursuing. Good luck

[mikesxf]

got my card in mail last night. I was waiting for some1 to call me but that didn't happen.

Amex activation line sucks!!! tried 3 times and got disconnected 3 times. :mad:
Finally fed up then call cs line ,
applied for a spouse card while activating the card.

[darksith31]

Sorry I don't really know much about it, it was a suggestion after reading this thread which you should also:
http://www.redflagdeals.com/forums/showthread.php?t=696407

It might be very unlikely to get something more, but the RFD'er in me seems to think its worth pursuing. Good luck

I have free legal advice/aid at seneca...so i'm going to use that.

Here is why I think I will get more:

- my sister got laid off from her job a month ago
- my mother is a housewife, who has a hobby of selling clothes on eBay (makes roughly $15000 a year)
- my father has been diagnosed a Manic Depressive/Bipolar Disorder for the past 20 years, and right now he is ill in the hospital :(
- I was the only one supporting my family for mortgage, utilities, etc... for the past 6 months, and right now I am SOL...we are in a HUGE crisis in my family, and it's not going to get any better.

There you go. Anyone who has advice on if I should negotiate, how much, etc...let me know. I will gladly accept any advice.

[JWL]

I have free legal advice/aid at seneca...so i'm going to use that.

Here is why I think I will get more:

- my sister got laid off from her job a month ago
- my mother is a housewife, who has a hobby of selling clothes on eBay (makes roughly $15000 a year)
- my father has been diagnosed a Manic Depressive/Bipolar Disorder for the past 20 years, and right now he is ill in the hospital :(
- I was the only one supporting my family for mortgage, utilities, etc... for the past 6 months, and right now I am SOL...we are in a HUGE crisis in my family, and it's not going to get any better.

There you go. Anyone who has advice on if I should negotiate, how much, etc...let me know. I will gladly accept any advice.

Unfortunately, none of those personal circumstances outside of your employment will be relevant to your severance. Generally what influences your severance are your years of service, your compensation package, your age, your level. Generally it is viewed that someone coming out of a more senior position and/or older has more challenges finding equivalent employment.

In Ontario the regulatory minimum is a week per year of service (I think to a max of 8 weeks), but larger companies normally do quite a bit better than this.

[darksith31]

Unfortunately, none of those personal circumstances outside of your employment will be relevant to your severance. Generally what influences your severance are your years of service, your compensation package, your age, your level. Generally it is viewed that someone coming out of a more senior position and/or older has more challenges finding equivalent employment.

In Ontario the regulatory minimum is a week per year of service (I think to a max of 8 weeks), but larger companies normally do quite a bit better than this.

Omg are you kidding me? I think I'll just jump off a bridge then. Even if I say I desperately needed this job to support my family, they'll tell me to eff off? I don't think so...my manager and team leader were crying all day according to my friends. And they said it was out of their hands. They would have kept me and chose something else. I was loved at my job. This sucks. :cry:

[darksith31]

Generally it is viewed that someone coming out of a more senior position and/or older has more challenges finding equivalent employment.



I find this hard to believe. With all their experience/seniority, they'll land a job in no time. MY situation is much harder, imo.

[JWL]

Omg are you kidding me? I think I'll just jump off a bridge then. Even if I say I desperately needed this job to support my family, they'll tell me to eff off? I don't think so...my manager and team leader were crying all day according to my friends. And they said it was out of their hands. They would have kept me and chose something else. I was loved at my job. This sucks. :cry:

I'm not saying they will tell you to eff off. You will likely receive a severance package and the size will be based on your years of service, your normal compensation, your age, your level. If they have not done a lot of layoffs in the past it will likely be reasonable, but they tend to be "formula driven" at most levels. Managers don't usually have much influence.

I know it seems unfair. Please understand that I'm trying to be helpful with information on what to expect. I'm not trying to be harsh or uncaring.

You have to register with EI within a couple of weeks of ending your employment. Make sure you do this. If you qualify for EI it may not start until your severance runs out.

[darksith31]

I'm not saying they will tell you to eff off. You will likely receive a severance package and the size will be based on your years of service, your normal compensation, your age, your level. If they have not done a lot of layoffs in the past it will likely be reasonable, but they tend to be "formula driven" at most levels. Managers don't usually have much influence.

I know it seems unfair. Please understand that I'm trying to be helpful with information on what to expect. I'm not trying to be harsh or uncaring.

You have to register with EI within a couple of weeks of ending your employment. Make sure you do this. If you qualify for EI it may not start until your severance runs out.

I totally understand where you're coming from. I'm not mad at you or anything. Its all just very frustrating and extremely stressful.

[JWL]

If you want some more advice you might want to initiate a discussion in Careers rather than discussing it in Hot Deals. There might be other info there too.

Talk to your managers and start getting whatever info you can on what they are offering as severance.

[flaming homer]

Finally got the card yesterday, during activation the Amex CS told me I had 3 months to spend 1K to earn the 25K points, but the 3 months started on approval date, which was January 20, boy is Amex ever slow in sending these out...

[tropicana]

I can concentrate full time on my studies at school, and while collecting UI, slowly looking for another part time job .

can you collect UI if you're going to school fulltime?

[skyc280]

is there anyone like me who kept getting calls from 1-888-750-2639 after they got approved from amex

they called like 2-3x a day randomly, always hung up after 2 rings

and when i called back it's a recording msg saying it's amex courtesy call

wtf?!

it's been 3 days and getting very annoying

[franchise264]

Will a full-time student working part-time say 10,000 a year income have any chance of being approved for this card. I'll be starting with my firm next year but i dont know if theyll have this offer available at that time. Also say I pay my credit card in full every other month while i hit the minimum balance the other 6 months does that mean my credit score is really bad. If so, what can I do to get it up asap?

[cko64]

Finally got the card yesterday, during activation the Amex CS told me I had 3 months to spend 1K to earn the 25K points, but the 3 months started on approval date, which was January 20, boy is Amex ever slow in sending these out...
You got your card today when it was approved Jan. 20 (approx 3 weeks)?

I think I got approved Jan. 31 when the $70 appeared in the Great Canadian Rebate's account. I am still waiting for my card. So it should arrive next week since it would be about 3 weeks?

[tkyoshi]

Will a full-time student working part-time say 10,000 a year income have any chance of being approved for this card. I'll be starting with my firm next year but i dont know if theyll have this offer available at that time. Also say I pay my credit card in full every other month while i hit the minimum balance the other 6 months does that mean my credit score is really bad. If so, what can I do to get it up asap?

Well considering that it's a business card, the minute they hear student they will run away as fast as they can.

Secondly, Being a Gold card usually means they're looking at approx $30,000 minimum annual income.

Thirdly, it's a charge card so generally they're looking for higher income and you MUST pay it off in full, you aren't generally allowed to carry a balance at all. The is NO minimum payment, just the full amount due. Any default will be at approx 30% Interest.

[franchise264]

Well considering that it's a business card, the minute they hear student they will run away as fast as they can.

Secondly, Being a Gold card usually means they're looking at approx $30,000 minimum annual income.

Thirdly, it's a charge card so generally they're looking for higher income and you MUST pay it off in full, you aren't generally allowed to carry a balance at all. The is NO minimum payment, just the full amount due. Any default will be at approx 30% Interest.

Thanks for the quick response, hopefully some deal of this nature is available next year. Also, do you know if your credit rating goes down if you only make minimum payments every other month?

[Arrgh]

I got a call from Amex on Mon., saying my account is past due, and my account is frozen until payment is received. I told them I made a payment on Feb. 6, and although I don't have the statement with me, it's at home, I believe the due date is Feb. 9. I asked him to check, but he said no, the due date is Feb. 5.

Yesterday (Tue.) I called them to say my statement, as well as on-line, shows the due date as Feb. 9. Also the on-line transactions showed they received the payment on Feb. 9. The guy checked into it, and said they got it mixed up and apologized.

Don't know how they can get it mixed up like that, especially after I asked the guy on Mon. to check, and he still insisted the due date is Feb. 5. I'm not happy they froze my account with that mixup.

[Tilter]

Will a full-time student working part-time say 10,000 a year income have any chance of being approved for this card. I'll be starting with my firm next year but i dont know if theyll have this offer available at that time. Also say I pay my credit card in full every other month while i hit the minimum balance the other 6 months does that mean my credit score is really bad. If so, what can I do to get it up asap?

Since 2008 record haven't been filed, I assume they had to look off my 2007 income records which are better. In 2007 I earned about $8000 from a summer job. I have about 3 credit cards all in good standing and always paid on time. I said my business takes in 35K in revenue, but otherwise they asked no questions about money and I made no mention of being a recent grad/student. I got accepted. As far as paying your credit card every other month, while hitting the minimum balance the other months, I'm not too sure if that makes your score worst. You may as well give it a shot, I figured if I got approved that they're approving a lot of people.

Looking over the thread, I applied on Jan 26th, was approved and received the card early this week. Less than 2 weeks turnaround for Toronto.

[najibs]

Thanks for the quick response, hopefully some deal of this nature is available next year. Also, do you know if your credit rating goes down if you only make minimum payments every other month?

Your income level will not allow you to qualify for this card. As someone else mentioned, a gold card generally requires a minimum $30k income.

As for your minimum payment question. I don't think it would lower your credit score. It's better to make the minimum payment, and on time, then to not make a payment at all. Of course it will look better with the credit company if you pay more than the stated minimum.

THe thing with making minimum payments is that the interest will eat you alive, as generally they are barely enough to cover interest. The only time you sould ever make minimum payments is if that's all you can afford to do.

This is the reason why I prefer charge cards...because you know they are due in full at the end of every month, therefore they force you to spend only what you really need to buy, and not get yourself into debt.

Amex charge cards FTW :cheesygri

[tkyoshi]

I got a call from Amex on Mon., saying my account is past due, and my account is frozen until payment is received. I told them I made a payment on Feb. 6, and although I don't have the statement with me, it's at home, I believe the due date is Feb. 9. I asked him to check, but he said no, the due date is Feb. 5.

Yesterday (Tue.) I called them to say my statement, as well as on-line, shows the due date as Feb. 9. Also the on-line transactions showed they received the payment on Feb. 9. The guy checked into it, and said they got it mixed up and apologized.

Don't know how they can get it mixed up like that, especially after I asked the guy on Mon. to check, and he still insisted the due date is Feb. 5. I'm not happy they froze my account with that mixup.

I've had this issue before but I paid it based on what the bill date said. I think in my case it was like bill was due Sept 9, 2008, but online it said Sept 19th.

Thanks for the quick response, hopefully some deal of this nature is available next year. Also, do you know if your credit rating goes down if you only make minimum payments every other month?

Minimum payment wise the answer would be no. The reason is your payment is on-time and your account is in good standing. That's all the other creditor can see, in the eyes of the bank who issued the card they probably like you more than someone who pays it off due to them making more interest (Interest + Min Payment).

The only thing that could affect your score negatively is if the balance is really high meaning you're close to your limit. However it all depends on your situation, i think banks finally figured out the scoring system is flawed and can be manipulated so they don't rely on it solely anymore. I personally have high balances on 2 cards (0% BT Offers) and have not had a problem applying for other cards. I did get a call once from BMO just asking why the balance was high on the other cards.

[najibs]

in the eyes of the bank who issued the card they probably like you more than someone who pays it off due to them making more interest (Interest + Min Payment).


So true. On my Amex 2% and MBNA SPG cards, my credit limit hasn't changed since they day i got the cards over a year ago. I pay those cards off in full every month.

On my Citi Mastercard, that I got for the 0% balance transfer, which I made minimum payments on, while I paid off higher interest debt first, since I got the card, my limit has more than doubled, and I have NEVER used the card to make any purchases. Go figure...

[franchise264]

Once again thanks for all the info guys.

I think im going to give this card a shot. I haven't applied for any other cards and I dont think I'll be checking my credit score soon so I dont think them doing a check will lower my score this year. I'm doubtful that I'll get approved but w.e worth a shot. Im just glad that the this whole minimum payment stuff wont negatively affect my credit score. I'll keep you posted....

[yayaya]

Applied online 2 days ago, the response on the webpage was -- we will call you in a few days as more info is required.

They called today and after about five questions, I got approved !!

Nice.

Now what can I spend $1,000 bucks on !!??

[flaming homer]

Now what can I spend $1,000 bucks on !!??$1,000 = 10 trips to Costco, for me...

[slowtyper]

$1,000 = 10 trips to Costco, for me...

Even if you don't go to costco that often in 3 months, just buy $1000 in costco gift cards and spread them out. better than paying with cash/debit at costco.

[JWL]

Thanks OP. Got the card and my spouse had no trouble getting to $1,000 in short order. 25K points are already posted.

$1,000 = 10 trips to Costco, for me...

I'm not sure I've ever left Costco with only $100 worth of stuff if I bought anything. Usually $300.

[neo1973]

Is it possible to transfer aeroplan miles to other point system other than using point.com which is a big rip-off IMHO?

[wolvie11]

if i currently have amex already.. do i need to cancel that one and apply for this one?

will it affect my credit score?

[emmpeethree]

so did anyone get instantly accepted?

said i couldnt be instantly accepted and they'd contact me in 10 days. is this what everyone got?

i wonder if i had entered my SIN it would have been instant, but i did put in my costco amex card #

[KillaB]

After 7 days of waiting for AMEX to call me, I decided to call them with the 800 number and application number they quoted me at signup.

They gave me the multiple choice quiz and told me I was approved. Wish I had called sooner.

[spong]

if i currently have amex already.. do i need to cancel that one and apply for this one?

will it affect my credit score?

The answer of the first question is No. I owned mutliple Amex Cards at one point or another and They never said anything about me owning another Amex card a problem during my application. However, they did gave me a very low limit ($2000) on my Blue Sky Card (I cancelled that card after getting the free 20000 points and spent that on a hotel reservation ($200 for 20000 points, no bad for a free card).

Don't know whether it will impact your credit score.

[slowtyper]

so did anyone get instantly accepted?

said i couldnt be instantly accepted and they'd contact me in 10 days. is this what everyone got?

i wonder if i had entered my SIN it would have been instant, but i did put in my costco amex card #
I don't think anyone gets instantly accepted for this card.

[slgta]

Don't forget to sign up through GCR to get an additional $70 CAD for signing up : http://www.great*DELETE*canadianrebates.ca/display/Finance/

Remove *DELETE* of course since the site is censored on this forum.

This sounds fishy to me.

How did that works? Why is the site censored on RFD?
Where did the company get the money to paid for the $70 rebate? Did AE paid them big bucks just to refer customer to sign-up for their card.

I read all the post on this thread so far, but no one seems to be able to speak to the magic behind this.

[coopercold]

This sounds fishy to me.

No fishes involved.

The "GCR" gets paid through affiliate programs -- just like RFD. GCR returns some of the referral commission to its members.

In the AmEx case, see:
http://www.americanexpress.com/canada/en/merchants/4-3_morebiz_affiliate.shtml

See, like I said, no fishes. :D

[balancer]

any shortcomings?

[kamaluz]

Guys, at which point do you get the money from Great Canadian Rebates? I subscribed through their website, but how do they know if I am approved or not? Thanks

[yayaya]

Even if you don't go to costco that often in 3 months, just buy $1000 in costco gift cards and spread them out. better than paying with cash/debit at costco.


Excellent idea !! Thanks.

What other major stores take Amex? Does Superstore or Safeway or Sears, etc?

[tkyoshi]

Excellent idea !! Thanks.

What other major stores take Amex? Does Superstore or Safeway or Sears, etc?

Most large ones shoudl take amex but from your list:

Superstore (and other Loblaws Store): No
Safeway/Sears: Yes

[darksith31]

is there anyone like me who kept getting calls from 1-888-750-2639 after they got approved from amex

they called like 2-3x a day randomly, always hung up after 2 rings

and when i called back it's a recording msg saying it's amex courtesy call

wtf?!

it's been 3 days and getting very annoying

This is my department. It's a Welcoming Call from the New Member Welcome Team. We just ask you a couple a questions about your spending habits and payment history, tell you more about the card, tell you your credit limit, and see if you have any questions. It takes about 3-5 minutes.

Our team consisted of about 20 people, and now we're down to 10 (including me being let go). The team leaders have been laid off, as well as several MANAGERS and DIRECTORS. I'm glad, because I hated that job, but LOVED the people I worked with, and it was convenient for me (2 min away from my house). I'm laughing all the way to the bank, because (I stand corrected) I can now concentrate on my program at Seneca which is part-time, which I LOVE...so I talked to lawyers at my school (they're also prof's) and they told me to sign the severance package. They said it's not worth waiting for a year just to get a couple grand more. Wish me luck guys!! :D

[lemailme]

The answer of the first question is No. I owned mutliple Amex Cards at one point or another and They never said anything about me owning another Amex card a problem during my application. However, they did gave me a very low limit ($2000) on my Blue Sky Card (I cancelled that card after getting the free 20000 points and spent that on a hotel reservation ($200 for 20000 points, no bad for a free card).

Don't know whether it will impact your credit score.

Anytime you apply for a credit card, they check your credit rating which lowers it slightly. It goes back up in time, but try not to apply to too many cards in a short period of time.

I currently have 4 cards, and i only use one of them, and my bank told me to cancel the rest, and within 6 months your credit rating will start going back up. Having credit cards means you are liable for your credit limit, which means to a bank, you are less inclined to get a mortgage, loan, etc.

[darksith31]

Anytime you apply for a credit card, they check your credit rating which lowers it slightly. It goes back up in time, but try not to apply to too many cards in a short period of time.

I currently have 4 cards, and i only use one of them, and my bank told me to cancel the rest, and within 6 months your credit rating will start going back up. Having credit cards means you are liable for your credit limit, which means to a bank, you are less inclined to get a mortgage, loan, etc.

I applied for four credit/charge cards from amex all in three months. They only pulled one credit check/report for that. So until you get approved, keep trying!!

[eliteblaze2]

They lied to you about cancelling and having your ratings improve.
it'll likely permantly decrease your average credit length and increase your utilization ratio so your score will plummet.

If they feel "uncomfortable" with credit cards then go to a smarter bank(er). Everyone knows I could cancel 7 cards today and reopen them tomorrow, so the risk for the bank is the same - except I lose a ton of credit points.

I remember getting flak with the misinformed banker BMO so I told them I don't feel comfortable going ahead with the process. I was approved for the LOC at another bank where it was a 10 minute process. I'm sure if I talked with the "senior team leader" at the largest branch it would have been no problem but some of the junior bankers are terrible, once I had to walk them through the bank app on their computer and it was the first time i've ever seen it. Plus they were dense enough to ask if I worked for them despite having already asked where I work in the application and I was wearing my work keycard and lanyard (it was lunch break).

Anytime you apply for a credit card, they check your credit rating which lowers it slightly. It goes back up in time, but try not to apply to too many cards in a short period of time.

I currently have 4 cards, and i only use one of them, and my bank told me to cancel the rest, and within 6 months your credit rating will start going back up. Having credit cards means you are liable for your credit limit, which means to a bank, you are less inclined to get a mortgage, loan, etc.

[trellaine201]

I have pretty much spent the necessary $1000 well within the three month period.

How are these BONUS 25,000 pts creditied? Is there a waiting period or ?

Thanks

[double_l710]

I was wondering if I can pay visa/mastercard bills with my amex gold??

[scoop]

I was wondering if I can pay visa/mastercard bills with my amex gold??
lol - that would be sweet. You would get never ending rewards by paying off one card with another.

[hkbaabaa]

I was wondering if I can pay visa/mastercard bills with my amex gold??

Well, you have to take out cash (cheque/ATM) using one of the credit cards, put the money in the bank and then pay the other credit card. But why would you want to do that? :twisted:

[najibs]

Just out of curiosity...Has anyone with this card already been solicited or pre-approved by Amex to upgrade to Platinum?

[krozet]

Hey;

I applied online and was called for my 4 questions. Got approved too. I remember signing up for something online and it generated the questions online. I answered the questions and was told I was not me?!?! and I had my credit bureau report from Transunion and Equifax in from of me... Stoopid...

I like the idea of paying one card with another. For me Pay my PC Mastercard with Amex, Pay Amex with CIBC Aerogold and pay my CIBC Aerogold with my PC Mastercard. Would gain PC Points and Aeroplan points paying my balance that I already accumulated points with! Not sure if the extra points would be worth the time...

[tkyoshi]

Hey;

I applied online and was called for my 4 questions. Got approved too. I remember signing up for something online and it generated the questions online. I answered the questions and was told I was not me?!?! and I had my credit bureau report from Transunion and Equifax in from of me... Stoopid...

I like the idea of paying one card with another. For me Pay my PC Mastercard with Amex, Pay Amex with CIBC Aerogold and pay my CIBC Aerogold with my PC Mastercard. Would gain PC Points and Aeroplan points paying my balance that I already accumulated points with! Not sure if the extra points would be worth the time...

You won't earn points, paying a card off with another is called a Balance Transfer which is similar to a Cash Advance. Interest will start to be charged the second the balance is transfered.

[craeyon]

why is it taking them 2+ weeks to send me the card. They sent the card out on Jan 27th and I still haven't received it. FAAAk!

[joongpark]

Just out of curiosity...Has anyone with this card already been solicited or pre-approved by Amex to upgrade to Platinum?

Yes, they started calling even before card arrived. I have told them to take me off the calling list.

[krozet]

You won't earn points, paying a card off with another is called a Balance Transfer which is similar to a Cash Advance. Interest will start to be charged the second the balance is transfered.

always fine print... if i could find a way to pay them with a BMO airmile debit card....

[therealj]

Is it possible to call them and simply transfer my Air Miles plat account over, similar to mbna for example?

[tkyoshi]

Is it possible to call them and simply transfer my Air Miles plat account over, similar to mbna for example?

No, you have to open a new account. AMEX does not do product transfers, just upgrades/downgrades in the same product line.

For example Airmiles regular --> Airmiles Platinum.

[scoop]

always fine print... if i could find a way to pay them with a BMO airmile debit card....

Its more common sense then fine print. If you were allowed to do as you suggest you could get two cash back cards and keep using them to pay the other off each month and make money without spending anything. Credit card companies are in business to make money.

[dinesh_zee]

Most large ones shoudl take amex but from your list:

Superstore (and other Loblaws Store): No
Safeway/Sears: Yes

Food Basics: Yes

[najibs]

Yes, they started calling even before card arrived. I have told them to take me off the calling list.

WHat did they call you for, exactly?

[darksith31]

Just out of curiosity...Has anyone with this card already been solicited or pre-approved by Amex to upgrade to Platinum?

Well, since I don't work at Amex anymore (:P) I thought I can answer ANY questions you guys have regarding things that happen in the background... (if that makes any sense - i'm really sick and can't think straight haha)

To be pre-approved for an upgrade from the Business Gold Rewards Charge Card (BGR) to the Platinum Business Charge Card, be prepared to spend quite a bit on your BGR card in the first six months. There is something called "High Value", which are cardmembers that spend quite hefty amounts on a monthly/yearly basis and Amex would bend over backwards just to satisfy those CM's needs (waiving yearly fees, service charges, free points, etc...). "Low Value" CM's are regular CM's who don't spend a lot on their cards and are easily disposable to Amex. For example, you spend $200 a month and want to cancel your card. The Amex rep will cancel it without asking any questions because you aren't important to Amex. But if a High Value CM calls and says they want to cancel their card, they will offer you a $hitload of freebies (gift cards, waiving yearly fees, 50000 Aeroplan/MRP...yes 50 000, etc...) to keep you as a CM.

So HV v.s. LV is really important when it comes to preapproved cards. If you are a LV BGR CM, then you will never be pre-approved for an upgrade. You will have to call and go through the whole upgrade process by yourself. If you spend $30000-$50000 a month on your card, be prepared to be upgraded to the Platinum Business Charge card within six months, and within a year, be prepared to be invited to take advantage of the Centurion Card, which should deserve a whole thread of it's own haha.

[Punira]

did anybody get their card for approval date around end of January. They told me it was mailed out on Feb 1st. The mail is taking a long time, I wonder where they are sending these from.

:/

[craeyon]

did anybody get their card for approval date around end of January. They told me it was mailed out on Feb 1st. The mail is taking a long time, I wonder where they are sending these from.

:/I am having the same issue. My approval date was Jan 27th and it hasn't even arrived yet.

[Punira]

i called in today, and the lady was about to issue a replacement card which would take another 10 business days. So I told her I will wait until the end of this week to see if the card will arrive. I can't stand to wait another 10 business, plus the 3 month period is already on and counting..

[wighty16]

Mine was sent out on the 28th of Jan and I have yet to see it. They told me 7-10 days. Lies...

[craeyon]

i called in today, and the lady was about to issue a replacement card which would take another 10 business days. So I told her I will wait until the end of this week to see if the card will arrive. I can't stand to wait another 10 business, plus the 3 month period is already on and counting..You account wont be active until you call in an activate your card. They won't send you a bill before they send you your credit card :lol:

[Punira]

You account wont be active until you call in an activate your card. They won't send you a bill before they send you your credit card :lol:

I thought the 3 months period to spend 1000k starts on the approved date?

[Tilter]

You account wont be active until you call in an activate your card. They won't send you a bill before they send you your credit card :lol:
Correct, your card won't be active until you activate it.

But the issuance date (Day 1 of the 3 month period to spend $1000) will be around the date you are approved. So about 1-3 weeks before you get the card, giving you about 2 1/2 months to spend the $1000.

[coopercold]

So HV v.s. LV is really important when it comes to preapproved cards. If you are a LV BGR CM, then you will never be pre-approved for an upgrade.

Great info -- thanks! :cheesygri But what about, er, "middle-value" customers? Those that spend, say $3000 to $5000 per month (i.e., a tenth of what "high-value" customers spend). Does AmEx love those customers...? :?:

[cko64]

Called today to Amex. I was told I was approved Jan. 28, 2009. The CSR wasn't surprised that I haven't got my card yet. She said to called by end of the week and Amex will mailed out a replacement card.

Do we see a pattern here?

[craeyon]

Called today to Amex. I was told I was approved Jan. 28, 2009. The CSR wasn't surprised that I haven't got my card yet. She said to called by end of the week and Amex will mailed out a replacement card.

Do we see a pattern here?wtf, why are they screwing us over here. I think they ate more than they could swallow... (NO! NO SEXUAL INNUENDOS PLEASE :mad: )

[M-e-X-x]

Well, since I don't work at Amex anymore (:P) I thought I can answer ANY questions you guys have regarding things that happen in the background... (if that makes any sense - i'm really sick and can't think straight haha)

To be pre-approved for an upgrade from the Business Gold Rewards Charge Card (BGR) to the Platinum Business Charge Card, be prepared to spend quite a bit on your BGR card in the first six months. There is something called "High Value", which are cardmembers that spend quite hefty amounts on a monthly/yearly basis and Amex would bend over backwards just to satisfy those CM's needs (waiving yearly fees, service charges, free points, etc...). "Low Value" CM's are regular CM's who don't spend a lot on their cards and are easily disposable to Amex. For example, you spend $200 a month and want to cancel your card. The Amex rep will cancel it without asking any questions because you aren't important to Amex. But if a High Value CM calls and says they want to cancel their card, they will offer you a $hitload of freebies (gift cards, waiving yearly fees, 50000 Aeroplan/MRP...yes 50 000, etc...) to keep you as a CM.

So HV v.s. LV is really important when it comes to preapproved cards. If you are a LV BGR CM, then you will never be pre-approved for an upgrade. You will have to call and go through the whole upgrade process by yourself. If you spend $30000-$50000 a month on your card, be prepared to be upgraded to the Platinum Business Charge card within six months, and within a year, be prepared to be invited to take advantage of the Centurion Card, which should deserve a whole thread of it's own haha.

that's pretty much any big business... HV vs. LV... although from the customer perspective of course it'd be nice for the customer to be considered HV regardless of how much business they give you...

[darksith31]

Great info -- thanks! :cheesygri But what about, er, "middle-value" customers? Those that spend, say $3000 to $5000 per month (i.e., a tenth of what "high-value" customers spend). Does AmEx love those customers...? :?:

No. Amex actually hates you. And they hate the CM's that keep Amex cards for emergencies, because it costs them more to keep you as a CM even if you don't use the card. They hate you so much. :lol:

that's pretty much any big business... HV vs. LV... although from the customer perspective of course it'd be nice for the customer to be considered HV regardless of how much business they give you...

Unfortunately, Amex doesn't really care about their CM's. I worked on the Outbound campaigns, and for the past six months, I hung up on hundreds of cardmembers. When your phone rings, and you pick up and say, "Hello? HELLO?!? HHEELLOOO!?!?!?!" and then hang up?...that's me laughing, because they treated us there like crap (even though the pay was good). So for the past six months, as they were laying people off left and right, I figured I was going to be laid off too (which I did), so I didn't care about the job anymore. For the past six months, I just went to work, sat down, and pressed the hang up button for 8 hours straight. And they never caught on. HAHAHA. F^&K Amex.

[JWL]

I worked on the Outbound campaigns, and for the past six months, I hung up on hundreds of cardmembers. When your phone rings, and you pick up and say, "Hello? HELLO?!? HHEELLOOO!?!?!?!" and then hang up?...that's me laughing, because they treated us there like crap (even though the pay was good). So for the past six months, as they were laying people off left and right, I figured I was going to be laid off too (which I did), so I didn't care about the job anymore. For the past six months, I just went to work, sat down, and pressed the hang up button for 8 hours straight. And they never caught on. HAHAHA. F^&K Amex.

Wow. From your earlier posts I thought you were a nice guy who had gotten a tough break. You really fooled me.

[darksith31]

Wow. From your earlier posts I thought you were a nice guy who had gotten a tough break. You really fooled me.

lol

Seriously, I was the guy in the office who gave life to the department. I always joked around, made people laugh, and everyone loved me. I always joked around with the team leaders, and was really tight with the management (we went for smoke breaks every 15 minutes - they even pulled me off the phones to go with them). Everything was cool until something called the 'recession' started.

To make a long story short, anyone who worked/works at Amex know how $hitty the management/team leaders are at controlling their team/making sure everything is kept organized. I thought I had a day off on one Monday, and my team leader KNOWS I live literally 2 minutes away from the office, and she could have easily called me to say, "Where the freak are you, _____?" And I would have been there in 2 minutes. Instead, they don't call and the next time I show up for my shift, they give me an action plan and say I was MIA, and the next time that happens I'm fired. Really? Are you serious? For someone who manages 12-15 ppl, you couldn't phone me (yes, she had my cell phone) and say where the hell are you...is it really that hard...and she DOES know I live close by (I always rub it in because it takes her 30-40 minutes to drive to Markham - she lives in Pickering :twisted:).

So last year, one of my really good buddies got FIRED for going to the washroom. He took about 10-15 minutes worth of "personal time" during the day, and didn't even get a warning about it. They just fired him. Now can you see why I'm mad and couldn't care less? If they were smart, they would have fired me. But oh well. I'm gonna milk that company for what they're worth. Oh, and slander and libel? Please... I'm the nicest guy in the world, but when you don't know how to manage a small group of people, you are in my books incompetent, and not worth wasting my time with. It was a blessing in disguise, and I really hated that job. Come to think of it, if I didn't get laid off, I would have probably worked there for years because of the convenience factor...Oh thank God I'm outta there. :D

[bobcat99]

Darsith31, this is what you said a month ago (Post 88).
So what is AMEX, good are bad to work for?

"The company is awesome to work for. They're very flexible for shifts (I'm in school full time) and the pay is above average considering what I do. It's not impossible at all to get in. I went to a temp agency (AppleOne), and worked under the agency for a year before I got permanent status. You get 12 vacation days/year, three personal days (that are paid for), and one lieu day (paid). A bonus of $400-500 / month depending on performance. And the benefit package is ridiculous. I pay $50/month, and get the following:

- prescription contacts and glasses
- laser eye surgery
- therapeutic massages
- $400 Health Spending Account per year, where I can use this for anything that your normal plan doesn't cover, including plastic surgery (lipo, here I come!)
- prescriptions are covered 100% also

I'm a very happy camper, and it's only 5 minutes away from where I live."

BTW, didn't you feel guilty taking a paycheck home with what you were doing?

[darksith31]

Darsith31, this is what you said a month ago. So what is AMEX, good are bad to work for?

The company is awesome to work for. They're very flexible for shifts (I'm in school full time) and the pay is above average considering what I do. It's not impossible at all to get in. I went to a temp agency (AppleOne), and worked under the agency for a year before I got permanent status. You get 12 vacation days/year, three personal days (that are paid for), and one lieu day (paid). A bonus of $400-500 / month depending on performance. And the benefit package is ridiculous. I pay $50/month, and get the following:

- prescription contacts and glasses
- laser eye surgery
- therapeutic massages
- $400 Health Spending Account per year, where I can use this for anything that your normal plan doesn't cover, including plastic surgery (lipo, here I come!)
- prescriptions are covered 100% also

I'm a very happy camper, and it's only 5 minutes away from where I live.

Oh, but for WHAT U DO, its amazing. Hanging up on CM's all day and getting paid 23/hour is amazing. And it was 5 min away from my house. I don't have a problem with the job. I would still work there if they didn't lay me off. But the MANAGEMENT is fuked. Really bad. Get a job there and you'll see exactly what I'm talking about. You can't even take a crap without someone yelling at ypou when you come back "where were you!?!?!" Ummmm, I went to the washroom to urinate...is that a good enough explanation for u?

[scoop]

I thought I had a day off on one Monday, and my team leader KNOWS I live literally 2 minutes away from the office, and she could have easily called me to say, "Where the freak are you, _____?" And I would have been there in 2 minutes. Instead, they don't call and the next time I show up for my shift, they give me an action plan and say I was MIA, and the next time that happens I'm fired. Really? Are you serious? For someone who manages 12-15 ppl, you couldn't phone me (yes, she had my cell phone) and say where the hell are you...is it really that hard...

I dont know whether to laugh or cry at this post...

[darksith31]

I dont know whether to laugh or cry at this post...

People on RFD probably think I'm ******** or something. Just so u know I got into law school starting in september. This was just a job I had for a year and a half to support my family and pay off previous OSAP loans.

[Medici]

So i got a call last week giving me info about the card and such. I asked what my limit would be and he asked how much i plan on spending. I said between 5 and 10k and he told me that would be fine. he wouldn't give me a straight answer about what my limit was. dammit.

anyway, i got approval 2 weeks ago and the thing hasn't arrived yet.

[tkyoshi]

So i got a call last week giving me info about the card and such. I asked what my limit would be and he asked how much i plan on spending. I said between 5 and 10k and he told me that would be fine. he wouldn't give me a straight answer about what my limit was. dammit.

anyway, i got approval 2 weeks ago and the thing hasn't arrived yet.

As mentioned this is a CHARGE Card, there is no "preset spending limit", you will not see or find any credit limit.

What they're telling you when you said between 5-10k and they said fine is your "exposure limit". Basically they're saying they will generally feel comfortable if you spend in that range. However as always with "No Preset Spending Limit" your charges can be declined at any time if they feel like it. You are not guaraunteed any certain spending limit. This usually happens more when say you spend $1000 a month and then take a trip and rack up $3000-4000, they may restrict your purchasing power as it's out of pattern.

[Medici]

I understand that this is a charge card and that there is no preset limit. I want to know my "exposure limit" then.

[tkyoshi]

I understand that this is a charge card and that there is no preset limit. I want to know my "exposure limit" then.

Read the rest of my post above :)

Basically it can change at any time, you can call and ask at that moment "if i were to put $XXXXXX, will it go through". But this is situational, just because you have a high exposure limit this month, doesn't mean you'll still have it next month. Like I said, it varies based on your spending patterns, income, etc...

I don't know if they do this in Canada, but in the US they also profile on where you spend. If you shop at places that other delinquent people also shop that will affect your purchasing power as well. Same with who you have your mortgage with. But it's a bit more extreme in the US right now, I haven't heard of the dreaded financial review in Canada yet, but they have cut some people's credit lines here.

[Medici]

you edited your first post and I replied to the first version.

thanks for your input.

[tropicana]

People on RFD probably think I'm ******** or something. Just so u know I got into law school starting in september. This was just a job I had for a year and a half to support my family and pay off previous OSAP loans.

just out of curiosity, which law school did you get into?

[najibs]

People on RFD probably think I'm ******** or something. Just so u know I got into law school starting in september. This was just a job I had for a year and a half to support my family and pay off previous OSAP loans.

I think you're better off keeping your personal life with amex out of this thread, as it is irrelevant to the card we are discussing...

[darksith31]

just out of curiosity, which law school did you get into?

University of Toronto.

I think you're better off keeping your personal life with amex out of this thread, as it is irrelevant to the card we are discussing...

Done. I just thought some people would be entertained to see what goes on behind closed doors in a company as big as American Express.

[najibs]

University of Toronto.



Done. I just thought some people would be entertained to see what goes on behind closed doors in a company as big as American Express.

Some people might, but this is the wrong place for it, as it sheds some unecessary information that other people do not need to know, and I'm sure Amex wouldn't appreciate it either. There's always 2 sides to a story. Let's keep it on topic please...

[flaming homer]

People on RFD probably think I'm ******** or something. Just so u know I got into law school starting in september. This was just a job I had for a year and a half to support my family and pay off previous OSAP loans.
******** ? Law School ? No surprise here, is there ? :twisted:

[Shinjieva01]

got my card yesterday =)

[Octavius]

Applied, Thanks.

Will find out in 10 biz days if I got approved (probably will, credit score of 770)

Plan on flying out to Calgary later this summer, points will come in handy ;)

[krozet]

This is weird, I just got off the phone with the welcome people (1-888-750-2639) with all the usual stuff about charge card and spending habits... She then tells me that I well be receiving the 25,000 bonus points. I asked "don't I have to spend $1,000 in three months to get that?" She say's no, they are already credited to my account. I asked her if she was sure because when I signed up it said that I had to spend $1000 in three months to get the 25,000 points. She said no, they are already in my account. I don't even have the card yet nor have i activated the card.

She gave me her name and number and said that once i get my card, activate it and setup my online management I will see the points. I can call her if I dont.

Huh? We'll see what happens...

[Medici]

This is weird, I just got off the phone with the welcome people (1-888-750-2639) with all the usual stuff about charge card and spending habits... She then tells me that I well be receiving the 25,000 bonus points. I asked "don't I have to spend $1,000 in three months to get that?" She say's no, they are already credited to my account. I asked her if she was sure because when I signed up it said that I had to spend $1000 in three months to get the 25,000 points. She said no, they are already in my account. I don't even have the card yet nor have i activated the card.

She gave me her name and number and said that once i get my card, activate it and setup my online management I will see the points. I can call her if I dont.

Huh? We'll see what happens...

same thing happened to me. i assumed it to be an error and didn't push the issue. i'm waiting on my card to see if it was legit.

i check the mail everyday for this thing. come on already = )

[krozet]

same thing happened to me. i assumed it to be an error and didn't push the issue. i'm waiting on my card to see if it was legit.

i check the mail everyday for this thing. come on already = )

I asked twice and she said the points were already in my account. She even gave me her name and ID number (i assume it is an ID number, she gave it to me after she gave me her name) and told me to call in if the points were not there. Maybe they updated the deal?

[christine_sakura]

I asked twice and she said the points were already in my account. She even gave me her name and ID number (i assume it is an ID number, she gave it to me after she gave me her name) and told me to call in if the points were not there. Maybe they updated the deal?

I just checked my points balance and I dont have 25 000 points in my account. If AMEX did update the deal then I'm giving a call back. :cheesygri

[jeff_qu]

I applied and got a call from Amex, they ask for my bussiness number and gst number, which I do not have. Then they told me I have to get those numbers so amex can proceed my application.
Anybody has the same problem？ How to get those number. From my understanding I need to register a bussiness with CRA. Do I need to pay a fee to register it？
Thank you for any help.

[tkyoshi]

I applied and got a call from Amex, they ask for my bussiness number and gst number, which I do not have. Then they told me I have to get those numbers so amex can proceed my application.
Anybody has the same problem？ How to get those number. From my understanding I need to register a bussiness with CRA. Do I need to pay a fee to register it？
Thank you for any help.

I don't believe so, but there is a charge to register a name however. Also if you apply for a GST number, you will need to file yearly GST Returns.

[najibs]

Applied, Thanks.

Will find out in 10 biz days if I got approved (probably will, credit score of 770)

Plan on flying out to Calgary later this summer, points will come in handy ;)

Seeing as you already have the 2% Amex, what do you plan on doing with this one, other than getting the 25k points? :razz:

[craeyon]

This is preposterous, the card was mailed on Jan 27th and it has yet to arrive. Did all the postal office workers suddenly started boycotting all mail originating from Amex's offices?

[krozet]

I applied and got a call from Amex, they ask for my bussiness number and gst number, which I do not have. Then they told me I have to get those numbers so amex can proceed my application.
Anybody has the same problem？ How to get those number. From my understanding I need to register a bussiness with CRA. Do I need to pay a fee to register it？
Thank you for any help.

Someone correct me if I am wrong but when I registered my business it cost around $50 to register it and get my Ontario busness license with number for remiting PST, that was 9 years ago. A GST number cost's around $1,000 and is used to remit GST to the federal government.

When they called they never asked for any of my business information. Perhaps you're credit report was not so good and they are dotting all their i's and crossing their t's?

[tkyoshi]

Someone correct me if I am wrong but when I registered my business it cost around $50 to register it and get my Ontario busness license with number for remiting PST, that was 9 years ago. A GST number cost's around $1,000 and is used to remit GST to the federal government.

When they called they never asked for any of my business information. Perhaps you're credit report was not so good and they are dotting all their i's and crossing their t's?

Maybe they're cracking down and checking to see if people are legit businesses who knows. Or maybe he just got a tough credit analyst.

[Avignon]

Someone correct me if I am wrong but when I registered my business it cost around $50 to register it and get my Ontario busness license with number for remiting PST, that was 9 years ago. A GST number cost's around $1,000 and is used to remit GST to the federal government.



Yes, you are wrong.

As long as you use your own name as the biz name, you do not need to register it.
You do not need a PST# unless you re in a biz that must collect PST.
There is no charge to get a GST #.

**************

[Octavius]

Seeing as you already have the 2% Amex, what do you plan on doing with this one, other than getting the 25k points? :razz:

Well, I don't plan on getting rid of my 2% AMEX (not by a long shot), but free 25,000 aeroplan for spending 1k on my account and no annual fee for the first year was just too good to pass up.

If I wasn't flying out to Alberta later on this summer, I probably wouldn't have bothered...but since I am (and since I'll become a very VERY poor student...much poorer than I was during my undergrad degree), it made sense for me to do this in order to minimize my expenses.

A "free" (excluding taxes/surcharges) flight is the equivalent of 250 some bucks. It would take me all year on my AMEX to get that much cash back at my current spending levels. With this card, I'll get the points pretty much immediately (going to buy a laptop when the card comes in) and then I'll use the points for my flight.

Then I'll never use the card again. I'll cancel it before my anniversary date and I won't pay any fees.

After I buy my laptop, I'm going straight back to my 2% Amex card, don't you worry ;)

[therealj]

No, you have to open a new account. AMEX does not do product transfers, just upgrades/downgrades in the same product line.

For example Airmiles regular --> Airmiles Platinum.

thanks

[hoyoto]

i called aeroplan, they said they couldn't link with this business card. They can only link to AE aeroplan plus personal card.

[Ruski1982]

i called aeroplan, they said they couldn't link with this business card. They can only link to AE aeroplan plus personal card.

I just got my card a few days ago....it doesnt give you aeroplan points right away. You have to register for the online option, then transfer your points to Aeroplan 1:1 using their online interface.

I didnt get the 25,000 points credited right away...gotta spend that $1000 I guess hehe.

[tkyoshi]

i called aeroplan, they said they couldn't link with this business card. They can only link to AE aeroplan plus personal card.

You recieve AMEX Membership Rewards, you can *transfer* them to Aeroplan 1:1. You need to do this from the MR Portal though, Aeroplan cannot initiate the transfer.

[hoyoto]

You recieve AMEX Membership Rewards, you can *transfer* them to Aeroplan 1:1. You need to do this from the MR Portal though, Aeroplan cannot initiate the transfer.

thx already spend over 1000 today after the activation. now waiting for the bonus points

[GPS]

I finally got my card today... and I was approved back in January. Talk about slow!!!

[Octavius]

Just called them asking for a status update, they asked me what my business name was - I told them my name and that I was operating as a sole-proprietor. She was completely fine with that and she did not ask any more questions about my "business".

She asked me 4 questions about my credit file, once I answered them correctly she told me I had been approved. I told her I had a number of "large purchases" that I will be making over the next week or so and I asked if they could rush my card - she told me she'd try to make it so that I would have the card in 5 business days (compared to the standard 7-10 business days). She told me I should have it by this Friday.

All in all, not too shabby. Use the AMEX to buy myself my new laptop and a couple of other things and I'm set.

[AnthonyC18]

I wish they still had the 2% cash back amex card still available. All that are available are 1% ones :(


Well, I don't plan on getting rid of my 2% AMEX (not by a long shot), but free 25,000 aeroplan for spending 1k on my account and no annual fee for the first year was just too good to pass up.

If I wasn't flying out to Alberta later on this summer, I probably wouldn't have bothered...but since I am (and since I'll become a very VERY poor student...much poorer than I was during my undergrad degree), it made sense for me to do this in order to minimize my expenses.

A "free" (excluding taxes/surcharges) flight is the equivalent of 250 some bucks. It would take me all year on my AMEX to get that much cash back at my current spending levels. With this card, I'll get the points pretty much immediately (going to buy a laptop when the card comes in) and then I'll use the points for my flight.

Then I'll never use the card again. I'll cancel it before my anniversary date and I won't pay any fees.

After I buy my laptop, I'm going straight back to my 2% Amex card, don't you worry ;)

[porphyra]

This is weird, I just got off the phone with the welcome people (1-888-750-2639) with all the usual stuff about charge card and spending habits... She then tells me that I well be receiving the 25,000 bonus points. I asked "don't I have to spend $1,000 in three months to get that?" She say's no, they are already credited to my account. I asked her if she was sure because when I signed up it said that I had to spend $1000 in three months to get the 25,000 points. She said no, they are already in my account. I don't even have the card yet nor have i activated the card.

She gave me her name and number and said that once i get my card, activate it and setup my online management I will see the points. I can call her if I dont.

Huh? We'll see what happens...

Has this actually happened to someone, or was the CSR, that the poster spoke to, clueless? If true, it would be great as I could use some Aeroplan miles right away.

[krozet]

Has this actually happened to someone, or was the CSR, that the poster spoke to, clueless? If true, it would be great as I could use some Aeroplan miles right away.

I still have not received my card so I don't know what is going to happen. If my points are not there I will call back in and talk to the CSR that called me.

[Avignon]

Likely clueless - as soon as your purchases pass $1000, you are credited with 25000 Amex points - you can monitor online at Amex.
before that, you should link your Amex to you Aeroplan on the Amex site.

Then you can transfer to AP from Amex. it's almost instantaneous.

But you don't get the bonus points until you spend $1000.
Interesting, though - I passed $1000, then returned $400 worth of those purchases, but the points were credited as soon as I passed $1000. They were not reversed with the return credits, which brought my total below $1000.

Didn't engineer that - it just happened to be the way it was.

[suoxin]

Anyone knows when is the time they start to count for the 3 month? Is it start for the date of activation or from approval? Also, is there a deadline for activation the card after receiving it?

I am asking because I will be in another country for two and half month and I don't have chance to use the card. I probably have only two weeks to spend the $1000 when I come back.

[dinesh_zee]

Likely clueless - as soon as your purchases pass $1000, you are credited with 25000 Amex points - you can monitor online at Amex.
before that, you should link your Amex to you Aeroplan on the Amex site.

Then you can transfer to AP from Amex. it's almost instantaneous.

But you don't get the bonus points until you spend $1000.
Interesting, though - I passed $1000, then returned $400 worth of those purchases, but the points were credited as soon as I passed $1000. They were not reversed with the return credits, which brought my total below $1000.

Didn't engineer that - it just happened to be the way it was.
one question...

did the bonus pts show up as a part of the "daily points update" in the amex site (or) when the next statement was printed?

[belfour]

Got my card after a week from question phone call. Time to spend!

[Avignon]

one question...

did the bonus pts show up as a part of the "daily points update" in the amex site (or) when the next statement was printed?


As soon as the transaction is posted - you need not wait for your statement date.

[wighty16]

Finally got mine after being approved 3 weeks ago. $1000 next.

[tsis3]

thx already spend over 1000 today after the activation. now waiting for the bonus points

+1 Just put $1xxx on the card on Sat...

Waiting for the bonus points to come...:lol:

[slowtyper]

Got my card last week also. The gold colour is pretty ugly IMO but really who cares! My parents are pretty dedicated to their CIBC visa but asked me to sign them up for this also for the bonus points. Can I do the great canadian rebate thing again for the same address but new person?

[ricedion]

Is there a website where I can register a business online? because I was actually planning to regisiter a business name anyway.

[craeyon]

jan 27 and card still not here. BASTARDS!

[Chew300ZX]

Just discovered a pretty cool feature on my statement. When you book a flight and charge it to your card (with Air Canada at least) you get details of your flight on your statement under the charge for it. Ticket number for example is there in case you need it for anything. Nothing worth getting the card for on its own, but cool all the same. :)

[CanuckFlyHigh]

Just discovered a pretty cool feature on my statement. When you book a flight and charge it to your card (with Air Canada at least) you get details of your flight on your statement under the charge for it. Ticket number for example is there in case you need it for anything. Nothing worth getting the card for on its own, but cool all the same. :)

I believe this is standard for all AMEX's. Or at least on all the ones I own (Corporate, Blue Air Miles, Aeroplan Platinum and Air Miles Business)

[cko64]

Was approved on Jan. 28 and just received my card today.

The card was sent to my work and not home address.

[Lizz__20]

Just got my card Friday. I was approved in late January. I might call and check lated, but does anyone happen to know if we have 3 months from our approval to spend $1000, or 3 months from activation?
I registered the card online already and you can set up your rewards partners now so when you get your bonus it's ready for you to transfer.

[Tilter]

Just got my card Friday. I was approved in late January. I might call and check lated, but does anyone happen to know if we have 3 months from our approval to spend $1000, or 3 months from activation?
I registered the card online already and you can set up your rewards partners now so when you get your bonus it's ready for you to transfer.
3 months after approval/insuance date. So when I called to activate, I asked him for my insuance date to give me a heads-up on actual timeframe.

[craeyon]

Was approved on Jan. 28 and just received my card today.

The card was sent to my work and not home address.yea same here

[trellaine201]

Just got my card Friday. I was approved in late January. I might call and check lated, but does anyone happen to know if we have 3 months from our approval to spend $1000, or 3 months from activation?
I registered the card online already and you can set up your rewards partners now so when you get your bonus it's ready for you to transfer.

How do you setup your rewards partners?

Thanks

Hmmm I think I found this but how does this help me? I don't quite understand?

[chanlady]

How do you setup your rewards partners?

Thanks

Hmmm I think I found this but how does this help me? I don't quite understand?

oh, missed that.
+1 please

I got the e-mail to set-up online billing. I hope its different.

[trellaine201]

Hmm does anyone have experience with transferring their amex pts to aeroplan pts??

how long does this normally take? I would like to travel at the beginning of May. I don't have many holidays after that this year :(

Thanks

[belfour]

Hmm does anyone have experience with transferring their amex pts to aeroplan pts??

how long does this normally take? I would like to travel at the beginning of May. I don't have many holidays after that this year :(

Thanks


It takes 1 day to show up in your account. But its marked as the same day transaction.

http://img517.imageshack.us/img517/4793/amextoaeroplan.jpg (http://imageshack.us)
http://img517.imageshack.us/img517/amextoaeroplan.jpg/1/w448.png (http://g.imageshack.us/img517/amextoaeroplan.jpg/1/)

[Terrific_Deals2k8]

Hmm does anyone have experience with transferring their amex pts to aeroplan pts??

how long does this normally take? I would like to travel at the beginning of May. I don't have many holidays after that this year :(

Thanks

Call AMEX, they'll let you know how to tranfer the points... Basically it's available for online banking, I believe there's an FAQ on the process located on their website. Btw, it takes 1 day to transfer the points, since my parents didn't know how to navigate AMEX's webpage #_# so I had to complete the transaction...

[TripleQ]

I just transferred my points online, it showed up instantly. Less than a month from application to 25k+ points in Aeroplan, everything went pretty flawlessly.

[Yelo]

Just got my card Friday. I was approved in late January. I might call and check lated, but does anyone happen to know if we have 3 months from our approval to spend $1000, or 3 months from activation?
I registered the card online already and you can set up your rewards partners now so when you get your bonus it's ready for you to transfer.

I asked them, and they said basically just spend the $1000 on your first 3 statements.

[yayaya]

Got my card today --- about a ten day wait.

Called to activate it, and the csr said they can transfer your points to Aeroplan or you can do it online at www.americanexpress.ca

25,000 Aeroplan pionts for $1,000 spending in 90 days is schweeeeeeeet !!

:razz:

[tng11]

Has anyone got the $70.00 from GCR?

My dad applied for his a month ago and got his card last week. However the money still hasn't shown up in GCR yet! He clicked the link on the GCR site when applying for the card, was there some special procedure?

[dinesh_zee]

Has anyone got the $70.00 from GCR?

My dad applied for his a month ago and got his card last week. However the money still hasn't shown up in GCR yet! He clicked the link on the GCR site when applying for the card, was there some special procedure?

yes, myself and several others in this thread have confirmed already.

[emmpeethree]

http://money.cnn.com/news/newsfeeds/articles/djf500/200902231530DOWJONESDJONLINE000511_FORTUNE5.htm

"American Express is offering a $300 prepaid card, which can be used anywhere American Express is accepted, to certain customers who pay off their entire balance between March 1 and the end of April. Enrolling in the deal automatically cancels the customer's account, regardless of whether the borrower successfully pays off the balance."

"The company also warned consumers may lose rewards points by enrolling in the offer."

wonder if this'lll hit canada. also, can anyone confirm that you won't lose points after cancelling the card? where's the fine print regarding these points?

[slowtyper]

yes, myself and several others in this thread have confirmed already.

You actually got the cash? I received it in my GCR acct, never used it before and requested a cheque. I think it said they would mail it out in April but I'm not sure.

[eliteblaze2]

Too bad there's a rule on RFD against linking to that rebate, I never knew about it!

[dinesh_zee]

You actually got the cash? I received it in my GCR acct, never used it before and requested a cheque. I think it said they would mail it out in April but I'm not sure.

In my GCR a/c of course... Next pay out is on either the 15th of March or April I believe, depending on the selected pay out method.

[sheriffabc]

yes, myself and several others in this thread have confirmed already.


Hi - I see the rebate in my account - but it shows like not available for cheque payment! Any ideas why?

[dinesh_zee]

Hi - I see the rebate in my account - but it shows like not available for cheque payment! Any ideas why?

here's why...

For PayPal account payments:

Month of Purchase Cash Back Rebate Sent
January & February April 15
March & April June 15
May & June August 15
July & August October 15
September & October December 15
November & December February 15

For Cheque payments:

Transactions Before Cash Back Rebate Sent
January 31 March 15
February 28 April 15
March 31 May 15
April 30 June 15
May 31 July 15
June 30 August 15
July 31 September 15
August 31 October 15
September 30 November 15
October 31 December 15
November 30 January 15
December 31 February 15

[yomister]

GCR holds your money for a month (i think, don't quote me on it) in case you return your stuff. I emailed them about this.

[tkyoshi]

http://money.cnn.com/news/newsfeeds/articles/djf500/200902231530DOWJONESDJONLINE000511_FORTUNE5.htm

"American Express is offering a $300 prepaid card, which can be used anywhere American Express is accepted, to certain customers who pay off their entire balance between March 1 and the end of April. Enrolling in the deal automatically cancels the customer's account, regardless of whether the borrower successfully pays off the balance."

"The company also warned consumers may lose rewards points by enrolling in the offer."

wonder if this'lll hit canada. also, can anyone confirm that you won't lose points after cancelling the card? where's the fine print regarding these points?

Of course you will loose the points if the account is cancelled. The reason they say "may" is because if one holds another card enrolled in Membership Rewards the points account (and balance) will continue to be active.

In the US it's more common to have multiple MR accounts as here in Canada most people either have Cashback (i.e. Costco), Aeroplan, or Airmiles. But an example would be you holding this Gold Business card which earns MR points, and you having a personal Gold card also enrolled in the same MR program.

If you get the offer to close your Business account and they let you keep your personal Gold w/ MR then the points account will stay active.

[raccoon]

still waiting my card, what' s GCR,someone explains?

[trellaine201]

It takes 1 day to show up in your account. But its marked as the same day transaction.

http://img517.imageshack.us/img517/4793/amextoaeroplan.jpg (http://imageshack.us)
http://img517.imageshack.us/img517/amextoaeroplan.jpg/1/w448.png (http://g.imageshack.us/img517/amextoaeroplan.jpg/1/)

When do your points get credited? Once you pay off the balance I guess?

Thanks

I am on a timeline lol and need to know when the actual pts will be available to use?

[GregH3]

anybody know of any Visa/mastercard business card deals? The suppliers i'd use the charge card for dont accept Amex :(

[tsis3]

When do your points get credited? Once you pay off the balance I guess?

Thanks

I am on a timeline lol and need to know when the actual pts will be available to use?

I have just received my 25000 bonus points today (spent the money on Sat.)..so approx. 3 business days :lol:

[tkyoshi]

I have just received my 25000 bonus points today (spent the money on Sat.)..so approx. 3 business days :lol:

Wow that's awesome. In the US it takes 1 month before MR will post (incl bonus) because they want to make sure you pay off the card, it stays in "pending" for 1 month.

[emmpeethree]

(5) To qualify for a Welcome Bonus of 25,000 points you must have at least $1,000 in net purchases posted to your account in your first 3 months of Card membership. Account must be in good standing. Please allow up to 8 weeks for bonus points to be awarded. This offer is not applicable to holders of an existing American Express Small Business Card product. Points may be transferred to select third party frequent flyer or loyalty programs participating in the Membership Rewards® program and then redeemed for one economy class round-trip airline ticket. Once points are transferred, they are subject to the terms, conditions and restrictions of such third party programs. Currently, up to 25,000 points are required for a round-trip economy class flight to continental United States (including Alaska) and Canada [plus applicable fees and taxes]. When we stop offering the Welcome Bonus, we reserve the right to accept applications but you will not be eligible for the Welcome Bonus.

ahh good, i dont think they would be able to take back the points if you switch them to aeroplan, right?

[YAMI]

Could any one tell me how long does it take to get the $70 rebate on GCR after the application is approved?


Thanks!!!

[JWL]

ahh good, i dont think they would be able to take back the points if you switch them to aeroplan, right?

I wouldn't bet on it. If you are contemplating spending $1,000 then transferring the points and returning the merchandise for credit, companies tend to be helpful if they are dealing with cases of fraud. Or they could just charge the value of the points to your card.

[JWL]

http://money.cnn.com/news/newsfeeds/articles/djf500/200902231530DOWJONESDJONLINE000511_FORTUNE5.htm

"American Express is offering a $300 prepaid card, which can be used anywhere American Express is accepted, to certain customers who pay off their entire balance between March 1 and the end of April. Enrolling in the deal automatically cancels the customer's account, regardless of whether the borrower successfully pays off the balance."

"The company also warned consumers may lose rewards points by enrolling in the offer."

wonder if this'lll hit canada. also, can anyone confirm that you won't lose points after cancelling the card? where's the fine print regarding these points?

Read the article. They are only offering it to certain accounts, probably just higher risk ones.

[slowtyper]

I wouldn't bet on it. If you are contemplating spending $1,000 then transferring the points and returning the merchandise for credit, companies tend to be helpful if they are dealing with cases of fraud. Or they could just charge the value of the points to your card.

I don't think they would be able to do either of those. Have you read that in the agreement somewhere or did it just sound good?

[scoop]

I don't think they would be able to do either of those. Have you read that in the agreement somewhere or did it just sound good?

If you return the merchandise you havent fulfilled your agreement to spend $1000 in three months. They would have recourse to get the points or money back.

[slowtyper]

If you return the merchandise you havent fulfilled your agreement to spend $1000 in three months. They would have recourse to get the points or money back.

Yes but what recourse? Where does it say that in the cardholder agreement?

[scoop]

Yes but what recourse? Where does it say that in the cardholder agreement?
You are probably right - Im sure it doesnt say you cant commit fraud. Go for it.

[slowtyper]

You are probably right - Im sure it doesnt say you cant commit fraud. Go for it.

Great argument...

I'm not condoning what was suggested, I mean $1000 is not hard to spend in a week let alone 3 months. I'm just saying its really stupid when people on here like to make stuff up and present it as authority. Then even stupider people believe everything at face value.

[scoop]

Great argument...

I'm not condoning what was suggested, I mean $1000 is not hard to spend in a week let alone 3 months. I'm just saying its really stupid when people on here like to make stuff up and present it as authority. Then even stupider people believe everything at face value.

And Im suggesting you are naive to think that they dont have recourse to get their points or money back, despite the fact that the agreement doesnt say anything specific about committing fraud.

[HowEver]

Okay, I'm in--I'm trying this. Legitimately.

$1000 at Costco in 3 months should be no problem at all.

It's actually good to know that gold card type protections exist on these purchases--even better than a regular credit card, so long as balances are paid before due.

Everybody who goes on a trip should send RFD a postcard--you know, electronically. We aren't going to spend a stamp on it or anything, this is RFD.

[craeyon]

Man this is not right, I wanted to change my business name on the card and now they are asking for a Notice of Amendment... The problem is that my business name is not registered in the firstplace... what the hell.

Any way to get around this?

[slowtyper]

Man this is not right, I wanted to change my business name on the card and now they are asking for a Notice of Amendment... The problem is that my business name is not registered in the firstplace... what the hell.

Any way to get around this?Whats the big deal with the original one?

[tkyoshi]

And Im suggesting you are naive to think that they dont have recourse to get their points or money back, despite the fact that the agreement doesnt say anything specific about committing fraud.

Yeah, i mean you gotta have common sense too. That kind of thinking is the reason you see stupid warnings on so many products these days. If you want them to write out every single thing then you'd basically get a huge law/agreement text book with your card.

It's also those who play by all these "technicalities" that end up spoiling it for everyone else, kind of like how Costco revised their return policy because of abuse.

Edit: I'm sure this is also the reason why AMEX US treats MR differently. Because they used to offer a lot more bonuses down there their system works a bit differently. When you earn MR it stays pending for 1 month *after* your closing date. So by then all the purchases would have been paid off and they can verify eligibility.

So if they ran this down in the US you get the card say Feb 20, your closing date is then just for simplicity Feb 20. You charge $1000 the next day.
- You would have to wait till Mar 20
- Pay your bill off (Due approx Apr 5)
- Recieve your Points on Apr 20 if still eligible.

Bonus points usually post a bit faster but you're still waiting over 1 month for them.

That's a whole lot longer than up here, so don't spoil it ;) They do have a points advance feature down there though which lets you spend up to 15,000 points in advance to make up for the waiting period. However if you don't "repay or earn" the points back with purchases, etc... by a certain date they do have a set rate of 2.5c/point which will be charged.

[craeyon]

Whats the big deal with the original one?its a subsidery not the parent company. When i told her "can i cancel this card and get a new amex gold?" she said yes.. i m like wtf...

[HowEver]

its a subsidery not the parent company. When i told her "can i cancel this card and get a new amex gold?" she said yes.. i m like wtf...

Wait for it, 25K MORE points.

[craeyon]

Wait for it, 25K MORE points.thats what i thought too... but that's not right..

[teruo313]

Thanks OP

Applied for the other day, got the call today to verify my info and now the waiting game to receive the card. Luckily I held off buying my Apple monitor until now.

[emmpeethree]

actually i was thinking more like keep the card for 11 months (unless i decide i cant live without it) and keeping all of my purchases, and not committing any sort of fraud whatsoever.

i guess its hard to imagine some people do that sort of thing on RFD

and as said earlier, its pretty easy to rack up 1000 in 3 months. doesnt take long if you're putting insurance, tuition and all your normal purchases on thsi card. and if by the 3rd month, you are a little short, the gift card idea is a great way to ensure you hit 4 figures.

[cutesnoopydoll]

When do they actually charget the $180 annual fee? or $100 annual fee?

[JWL]

actually i was thinking more like keep the card for 11 months (unless i decide i cant live without it) and keeping all of my purchases, and not committing any sort of fraud whatsoever.

i guess its hard to imagine some people do that sort of thing on RFD

and as said earlier, its pretty easy to rack up 1000 in 3 months. doesnt take long if you're putting insurance, tuition and all your normal purchases on thsi card. and if by the 3rd month, you are a little short, the gift card idea is a great way to ensure you hit 4 figures.

So why were you asking if they could take back the points after you transfer them to Aeroplan?

[ricedion]

I applied it online last night, they just call me today, and asked a few multiple choice question to verify my ID, and I'm approved now. so fast.

[eliteblaze2]

Wow this is harder than I thought. Half the places I normally shop at don't take Amex...

[tkyoshi]

When do they actually charget the $180 annual fee? or $100 annual fee?

On your anniversary date.

[HighFlyer]

buying one plane ticket took care of the $1000.

[gte357s]

I applied online through the great canadian rebate link, and I just got a call and got approved. When should I expect to have the $70? And what can I do with that $70? It seems it is within account, will they send me a cheque, or I have to redeem it on the web site?

[pai]

i applied for the card twice, once through Amex, and once thru GCR, and then amex mailed me a letter turning down one of the applications, how do i know if i signed up thru GCR, and can get the rebate?

[slowtyper]

I applied online through the great canadian rebate link, and I just got a call and got approved. When should I expect to have the $70? And what can I do with that $70? It seems it is within account, will they send me a cheque, or I have to redeem it on the web site?

I've never used GCR before but I had the money in my GCR account and requested a cheque. THey said they would mail it out in April.

[ellemea]

Thanks OP

Applied for the other day, got the call today to verify my info and now the waiting game to receive the card. Luckily I held off buying my Apple monitor until now.

wait a bit here, are you sure you want to do this?

as far as i remember this card provides no extended warranty on purchase as the other individual gold cards usually do......

[Halifax55]

the only thing they have in common is that they are both rewards cards to collect airline points.

Remember the RBC card is a credit card...the amex business card is not.

[teruo313]

wait a bit here, are you sure you want to do this?

as far as i remember this card provides no extended warranty on purchase as the other individual gold cards usually do......

I thought about that, but since the monitor is going to be used for work purposes, I figured I might as well. Plus, my everyday credit card is the CIBC Visa Infinite which doesn't offer an extension on the warranty as well.

[najibs]

Remember the RBC card is a credit card...the amex business card is not.

No, they're both credit cards. THe difference is that you have to pay one in full every month, and the other you can carry a balance. But, you'd be a complete fool to carry a balance at 19.99%

[tkyoshi]

I thought about that, but since the monitor is going to be used for work purposes, I figured I might as well. Plus, my everyday credit card is the CIBC Visa Infinite which doesn't offer an extension on the warranty as well.

Wow interesting you are right. I would have assumed Gold + $180 fee should at least have Ext. Warranty.

Same thing with CIBC VISA Infinite, fail considering their more basic cards have Extended Warranty :lol: I would have thought for the "highest" level card it would be mandatory but in Canada it turns out it's (Warranty) not one of the requirements to brand a card Infinite.

No, they're both credit cards. THe difference is that you have to pay one in full every month, and the other you can carry a balance. But, you'd be a complete fool to carry a balance at 19.99%

+1

[akide]

Applied for this card on feb 16th, and I received it yesterday feb 27th.
quick turnaround!

[YAMI]

approved on Wednesday and got the GCR credit today.

[trellaine201]

Just completed my $1000 this morning. I was getting close to the 3rd month anniversary date. Bought a bunch of Safeway gift cards. Just hope I don't lose them.

Now I will tuck this amex away and wait to see when my pts get posted.

Thanks OP.

[cutesnoopydoll]

Aren't you gonna to cancel tjhe card soon?



Just completed my $1000 this morning. I was getting close to the 3rd month anniversary date. Bought a bunch of Safeway gift cards. Just hope I don't lose them.

Now I will tuck this amex away and wait to see when my pts get posted.

Thanks OP.

[Octavius]

Just got my card today.

Thanks OP

[trellaine201]

Aren't you gonna to cancel tjhe card soon?

Yes I will cancel before the yrs up.

[Shinjieva01]

got my 25 000 points last week... my dad used the $1000 to pay for car insurance... it took less than a week for the points to show up on my online amex account =)

[cko64]

Got my card last Monday. A week later 26,359 Aeroplan Miles already in my Amex account. They credit the 25,000 immediately, no delay!

Now to transfer the Amex points to aeroplan points...

I also found out there are so many places that don't accept Amex.

[jerryhung]

got my 25 000 points last week... my dad used the $1000 to pay for car insurance... it took less than a week for the points to show up on my online amex account =)

I wish my State Farm takes AMEX :(

[steveng]

No, they're both credit cards. THe difference is that you have to pay one in full every month, and the other you can carry a balance. But, you'd be a complete fool to carry a balance at 19.99%

Therefore it's not a credit card, but a charge card.

[craeyon]

grrrr, heads up Grant MacEwan does not take Amex

I wish I could just go to my bank and just ask them to cash me $600 and charge my Amex but something tells me that's not even remotely possible because of the security issue.

[sheriffabc]

Got my card last Monday. A week later 26,359 Aeroplan Miles already in my Amex account. They credit the 25,000 immediately, no delay!

Now to transfer the Amex points to aeroplan points...

I also found out there are so many places that don't accept Amex.

What actual pts you get. Amex or aeroplan or you have to chose? If amex - then convert them to KLM and get a return ticket to Europe for the 25000 pts!!!

[najibs]

What actual pts you get. Amex or aeroplan or you have to chose? If amex - then convert them to KLM and get a return ticket to Europe for the 25000 pts!!!

Amex gives their points on this card as 'membership rewards points' which can be converted 1:1 for Aeroplan points. As for KLM points, I don't know at what ratio they convert those, but it might be worth finding out.

[cko64]

What actual pts you get. Amex or aeroplan or you have to chose? If amex - then convert them to KLM and get a return ticket to Europe for the 25000 pts!!!
You earn Amex Points which you can convert to Aeroplan Miles at 1:1.
I was also interested in converting to AsiaMiles, but the transfer ratio is 1:0.75.
Is Aeroplan Miles to KLM Miles 1:1?

[sheriffabc]

You earn Amex Points which you can convert to Aeroplan Miles at 1:1.
I was also interested in converting to AsiaMiles, but the transfer ratio is 1:0.75.
Is Aeroplan Miles to KLM Miles 1:1?

I think Amex to KLM is 1:1 - will recheck and post here shortly

[najibs]

Either way, this is the beauty of the membership rewards program. Lots of flexibility in what you can do with your points. If only they'd offer a better ratio on Starwood points, that would make Amex my main card.

[tkyoshi]

I think Amex to KLM is 1:1 - will recheck and post here shortly

Yes it is 1:1.

Either way, this is the beauty of the membership rewards program. Lots of flexibility in what you can do with your points. If only they'd offer a better ratio on Starwood points, that would make Amex my main card.

Well it's up and down, some of the redemptions are pretty poor. For example they advertise the "Shop with Amex Points", it basically drops to 0.5%. Merchandise is pretty poor overall.

Airline transfers are probably the best part. Hotel transfers are also a poor choice, for example 1000 MR = 333 Starwood Points as you said. Considering the annual fee I would say it's an ok program. You can also get some gift cards which work out to be 1%, why not use a no-fee 1% cashback card.

Now if you hit the bonuses on a regular basis then that probably changes it a bit.

[trellaine201]

I checked my americanexpress account and I now have more than a $1000 in the past couple of months.

My amex points haven't changed? Does this take a few days for them to show up in my account?

tanks

[ricedion]

I think Amex to KLM is 1:1 - will recheck and post here shortly

what's the link for the airline miles conversion chart? i searched around, and couldn't find the conversion to KLM at all.

[SinghyLeafs]

Just applied for it :)

Any word on how long it takes for the card to arrive?...will be paying my summer tuition fee:)

[sheriffabc]

what's the link for the airline miles conversion chart? i searched around, and couldn't find the conversion to KLM at all.

KLM is linked to Delta - and it is 1:1 KLM (Skyblue)

[yayaya]

Just applied for it :)

Any word on how long it takes for the card to arrive?...will be paying my summer tuition fee:)

Took about 10 days for my card to arrive.

[crispwolf]

I checked my americanexpress account and I now have more than a $1000 in the past couple of months.

My amex points haven't changed? Does this take a few days for them to show up in my account?

tanks

I think you can get it right away or the day after,my account is 26xxx now.

[cutesnoopydoll]

still waiting for the card to arrive....

[SinghyLeafs]

Hey,

when i signed up...it didn't say weather or not i got PROVED.

Will they contact me? or just send me out a card?

[Pseudo Nim]

Hey,

when i signed up...it didn't say weather or not i got PROVED.

Will they contact me? or just send me out a card?

Did they make you perform lewd and lascivious acts on a white goat? I hear that's how you prove yourself with Amex.

[markdweasel]

Got my 25K points. I don't have an Aeroplan membership. What would you advise me to do when it comes to cashing out the points?

TIA.

Mark

[cko64]

...for example 1000 MR = 333 Starwood Points as you said.

It's 1000 MR=230 SPG points

100 Membership Rewards Points = 23 Starwood Points

[tkyoshi]

It's 1000 MR=230 SPG points

100 Membership Rewards Points = 23 Starwood Points

Really, shows up as 100 MR = 33 Starwood for me. Maybe they're making a change or something.

http://img166.imageshack.us/img166/9549/71135903.jpg

Got my 25K points. I don't have an Aeroplan membership. What would you advise me to do when it comes to cashing out the points?

TIA.

Mark

You can sign up for Aeroplan if you want to fly, it's free. Then initiate the transfer after.

[dinesh_zee]

KLM is linked to Delta - and it is 1:1 KLM (Skyblue)

anybody know what can be done with 25,000 KLM miles? travel upto europe? i am finding it hard to find this info in klm website...

[to_munda]

Got my card today.
Lets see when I get the points.
Thanx OP.
:cheesygri

[HowEver]

I haven't got my card yet, I only recently applied for it.

But I was awarded the $70 GCR already.

Wow.

Thanks RFD.

[wysiwyg]

anybody know what can be done with 25,000 KLM miles? travel upto europe? i am finding it hard to find this info in klm website...

Europe from Canada (East anyway, not sure about west) is 50,000 points on KLM/AF (Flying Blue). Air Canada (Star Alliance) is 60,000 points.

[brutal]

CSR Called and said I got one!!

Where can I fly to with 25000 aeroplan pts?

[trellaine201]

Pretty much anywhere in North America, layover are included as far as I can see. Enjoy.

[y2knp]

i just applied for one thru CGR link, anyone1 knows when amex will contact me and when i can get my rebate? thx

[TorontoEh]

hey guys, has anyone tried paying this business gold card online thru online banking. I tried with RBC and its been 3 days they still haven't received it. I have airmiles amex and usually they receive in 2 days max.

[mtlguyca]

hey guys, has anyone tried paying this business gold card online thru online banking. I tried with RBC and its been 3 days they still haven't received it. I have airmiles amex and usually they receive in 2 days max.

Yeah, I paid it through rbc with no issues...

[trellaine201]

Just booked my flight via Aeroplan 25,000 pts or miles. I think I made out like a bandit. I checked the exact same flights via AC website and today I saved $600 for spending $1000 on Amex.

Nice deal.

YVR-YYZ-YUL-YVR

Good luck and enjoy your trips everyone.

Thanks to the OP. and to Amex. :razz:

[sheriffabc]

anybody know what can be done with 25,000 KLM miles? travel upto europe? i am finding it hard to find this info in klm website...

Here is the link:
http://tinyurl.com/9etkt3

[sheriffabc]

CSR Called and said I got one!!

Where can I fly to with 25000 aeroplan pts?

Anywere in North America or if you convert to KLM instead of Aeroplan - you can fly to Europe in March for 25000 miles see post above #465

[sonypcs]

Thanks !

Just got approved yesterday !!!..

Waiting for my card to max that $ 1,000...

[y2knp]

i applied last night and got a call from them tonite, i was asked several questions regarding my credit histories. they told me i should be able to get the card in 2 weeks, waiting to spend $1000 bucks...

[nutttbar]

Applied online, approval in 3-4 business weeks. Thanks OP, I'll think if you when I'm flying somewhere.....assuming I can find a flight with the points! lol

[TorontoEh]

I called to inquire if payment was received...all went fine.

However, the agent told me $1000 spending in 3 months starts from the day we send the card? wth...it took me like 3 weeks to receive the card:mad:

Anyways, I can easily spend it before the next cycle or whatever. I think someone said above that it starts from the day you activate the card???

[seb33]

Sorry if this question has already been answered but if I already have the Amex gold card with 2% cashback can I also get this one as well or will they make me cancel my other Amex card.

[najibs]

Sorry if this question has already been answered but if I already have the Amex gold card with 2% cashback can I also get this one as well or will they make me cancel my other Amex card.

Yes, you can also apply for this one. In fact it's even easier, because if you've been a good customer and haven't given them any hassles, they have even more of a reason to approve you.

[Arrgh]

However, the agent told me $1000 spending in 3 months starts from the day we send the card? wth...it took me like 3 weeks to receive the card:mad:

Anyways, I can easily spend it before the next cycle or whatever. I think someone said above that it starts from the day you activate the card???
The counting starts when they approve your card. In my case it was approved in mid-late Dec. But then they didn't sent out any cards during the X-mas break. They actually sent it out in early Jan and I received it a few days later.

I called and asked that they should start the counter at the date of activation, otherwise I'm at a loss when they didn't get the card to me.

They said that's the way it is, they've been doing this way for 50 years in Canada. They don't have a way to change it.

[eliteblaze2]

how do you get Amex -> KLM?
Do you open up a delta account and go Amex -> Delta -> KLM?

[lorax1284]

Yes I know - but with the Air Miles program going downhill, I personally prefer to start adding to my Aeroplan miles balance instead.

Aeroplan is going downhill, too: 45000 miles isn't enough to get a direct flight to UK: you need 70000. Fine.

So, I go to book with 45000, and the extra charges add up to 700. THE WHOLE TICKET IS ONLY 950. So, 45000 aeroplan miles is worth 250 bucks.

Air Miles have better stuff in their catalogue, if you don't use it for travel.

[Pseudo Nim]

Aeroplan is going downhill, too: 45000 miles isn't enough to get a direct flight to UK: you need 70000. Fine.

So, I go to book with 45000, and the extra charges add up to 700. THE WHOLE TICKET IS ONLY 950. So, 45000 aeroplan miles is worth 250 bucks.

Air Miles have better stuff in their catalogue, if you don't use it for travel.

Aeroplan should probably not be used for booking flights that you can pick up on a sale anyway. Point-to-point flights to Europe can be had for <$600 on sale (and you can fly Transat), so you should not be booking those with Aeroplan, as the fees will be excessive.

Just to give you a comparison, I booked the following flight: Montreal-Geneva, stop for 2 weeks, Geneva-Osaka, stop for 2 weeks, Tokyo-Montreal (through Vancouver) in business class; cost me 100,000 points and $500 of fees (including the $50 Aeroplan service charge) x2 for two people (and yep, that's a round-the-world trip essentially).

Last year, I booked Montreal-Los Angeles, stop for 4 days, Los Angeles-Cook Islands, return to Montreal, in business class. Cost me 100,000 points and $400 of fees x2 for two people.

You could also go to the Maldives (through Singapore); it'll cost you 100,000 points for business class and probably 500'ish in fees.

All that to say that Europe in economy is not the best use for the points. You're quite right to say that with the fees and the taxes and all that you'll end up paying 80% of a normal air ticket.

[darklord700]

I'm not an Aeroplan collector but got this card. Figure that I'll get the 25000 bonus points and use them to get two Esso $100 Gift Cards (12500 points each). So I'm basically getting $200 from getting this card. Is there a better way to spend the 25000 bonus points?

[eliteblaze2]

Note you cannot convert to KLM miles. You can use your United miles to fly on their partner airlines but not at the KLM redemption rates.

[i6s1]

Note you cannot convert to KLM miles. You can use your United miles to fly on their partner airlines but not at the KLM redemption rates.

Dammit. They're the best at 50 000 to Europe.

[senritsu]

I'm not an Aeroplan collector but got this card. Figure that I'll get the 25000 bonus points and use them to get two Esso $100 Gift Cards (12500 points each). So I'm basically getting $200 from getting this card. Is there a better way to spend the 25000 bonus points?

Fly somewhere. You just need to pay the airport fees/taxes.

YYZ - LAX is 25k points.

[ellemea]

Fly somewhere. You just need to pay the airport fees/taxes.

YYZ - LAX is 25k points.

didn't someone (post#476) just said that the fee can be up to 80% of the normal price?:confused:

[senritsu]

didn't someone (post#476) just said that the fee can be up to 80% of the normal price?:confused:

I checked; fee is $152

[Genia11]

I just got my card, 2 weeks after I applied.
I do not see the 25,000 points credited to my account. I guess I am not one of those lucky ones... oh well, like the OP said, $1000 over 2 months is not that hard to spend.

[trellaine201]

I just got my card, 2 weeks after I applied.
I do not see the 25,000 points credited to my account. I guess I am not one of those lucky ones... oh well, like the OP said, $1000 over 2 months is not that hard to spend.

You don't get pts for FREE. lol Spend that $1000 and you will get them instantly.

[spong]

I called Amex office yesterday to apply for an supplementry card for my business partner (i.e. my wife) and I am very happy to learn that the supplementary card charge is also waived for the first year.

[flaming homer]

I called Amex office yesterday to apply for an supplementry card for my business partner (i.e. my wife) and I am very happy to learn that the supplementary card charge is also waived for the first year.
Wouldn't it be better to have your wife apply for her own card and earn the 25K bonus for her MR/Aeroplan account ?

[RastaManMax]

I know a lot of people say that Amex is one of the best companies when it comes to customer service but i somehow question their competence. I applied for this card and got denied because they couldn't verify my credit history report so i called in and mysteriously they were able to locate it and approved me over the phone.

They then asked for my banking information which i gave them and last week i got a denial letter in the mail because they were unable to verify my address :confused:. Anybody else have similar issues. I find this quite amusing for a 'respected' credit card company.

[najibs]

I know a lot of people say that Amex is one of the best companies when it comes to customer service but i somehow question their competence. I applied for this card and got denied because they couldn't verify my credit history report so i called in and mysteriously they were able to locate it and approved me over the phone.

They then asked for my banking information which i gave them and last week i got a denial letter in the mail because they were unable to verify my address :confused:. Anybody else have similar issues. I find this quite amusing for a 'respected' credit card company.

Sounds like a problem with your credit report. Not Amex.

[TorontoEh]

just check and have 26025 pts in my amex account. Pretty impressive as I didn't even had to call that $1000 has been spend.

So am thinking converting to AEROPLAN is the best bet for now as KLM is no go.

[tkyoshi]

Sounds like a problem with your credit report. Not Amex.

Ah could be both, I've heard issues of AMEX not being able to find or pulling the wrong credit report when no SIN is provided. When they pull the wrong report they don't seem to try very hard to make an effort to locate the right one.

As for address usually you just have to send in a bank statement or a bill, pretty simple and they'll fire off the card.

[spong]

Wouldn't it be better to have your wife apply for her own card and earn the 25K bonus for her MR/Aeroplan account ?

She will not be qualified for her income level

[spong]

Ah could be both, I've heard issues of AMEX not being able to find or pulling the wrong credit report when no SIN is provided. When they pull the wrong report they don't seem to try very hard to make an effort to locate the right one.

As for address usually you just have to send in a bank statement or a bill, pretty simple and they'll fire off the card.

I got denied one time because they said that my bank will not forward him my account status. However, my bank never called me to verify

[DealGiver]

so what are people who received the card converting points too? seems like Aeroplan is the best bet ...then Delta.

[jory29]

Wouldn't it be better to have your wife apply for her own card and earn the 25K bonus for her MR/Aeroplan account ?

Can 2 people in one household each be the primary card holder for this promo?? Has anyone here done this?

[tkyoshi]

Can 2 people in one household each be the primary card holder for this promo?? Has anyone here done this?

Of course, as long as you two have different "businesses" it's all good.

[i6s1]

so what are people who received the card converting points too? seems like Aeroplan is the best bet ...then Delta.

I'll likely be transfering to AP, but I'll hold onto the card an points for almost-a-year to see if KLM/AF gets added. I think it's better to keep my options open. You never know what will happen to the various programs.

[hoyoto]

got my 26K points today,

thx again OP

[Shinjieva01]

successfully converted all 26K points to aeroplan miles today... if i cancel my amex CC now will my credit rating be affected?

[yomister]

Can 2 people in one household each be the primary card holder for this promo?? Has anyone here done this?

Yup, just make sure you have different a different business name

[tkyoshi]

successfully converted all 26K points to aeroplan miles today... if i cancel my amex CC now will my credit rating be affected?

A bit, not a whole lot since the card is so new it doesn't have much weight on your rating.

[BoxsterS]

Thanks AMEX for my 360. And thanks to Coldplay for my future PS3.

[yayaya]

Got my card last month.

Checked my balance today online at americanexpress.ca and it was $1,400

Click, click, click.............transferred 26,400 points to Aeroplan.

Logged into Aeroplan and points were already posted from the Amex transfer.

SCHWEEEEEEEEEEET !!!!!!!

Thanks Amex.

Thanks OP.

[prrollt]

I just received my card. Can I just go out there and buy $1000 of PetroCanada gift cards and that'll be it until the points show up in my AMEX account?

[TorontoEh]

I just received my card. Can I just go out there and buy $1000 of PetroCanada gift cards and that'll be it until the points show up in my AMEX account?

yep. as soon you hit the $1000 threshold, they automatically appear. I transferred mine from AMEX to AP and they're here next day.

[ber0]

yep. as soon you hit the $1000 threshold, they automatically appear. I transferred mine from AMEX to AP and they're here next day.

They appear instantaneously. Just log out and then log in on Aeroplan website and you will see them right away

[RastaManMax]

Sounds like a problem with your credit report. Not Amex.

If you read what i wrote, you would've noticed that i was approved over the phone.

Anyways, i re-applied and everything worked out properly this time. They said it would be 5 days. Thanks OP!

LEMAR

[YAMI]

Firstly I want to thank OP to share this information.

However, I just found out that the link that OP gave is a link through GSR. So basically OP can earn $70 from every application approved by clicking this link.

That is a really smart move but maybe some ppl just prefer to earn $70 for themselves?

[krozet]

Firstly I want to thank OP to share this information.

However, I just found out that the link that OP gave is a link through GSR. So basically OP can earn $70 from every application approved by clicking this link.

That is a really smart move but maybe some ppl just prefer to earn $70 for themselves?

Thats why I didn't click through, I just went to google and typed in American Express. Went to the site and found the deal myself. Took about 25 seconds.

[TorontoEh]

Firstly I want to thank OP to share this information.

However, I just found out that the link that OP gave is a link through GSR. So basically OP can earn $70 from every application approved by clicking this link.

That is a really smart move but maybe some ppl just prefer to earn $70 for themselves?

Op doesn't get $70, op gets some percentage of what you will get after you're approved!

[darkdude]

Op doesn't get $70, op gets some percentage of what you will get after you're approved!

On that note... Does anyone know how long it takes for it to show up on Great Canadian Rebates after you've been approved? (I got it from the link on page 3)

[Shinjieva01]

On that note... Does anyone know how long it takes for it to show up on Great Canadian Rebates after you've been approved? (I got it from the link on page 3)

roughly 3 to 4 days... and about 2 weeks before your card is delivered

[jory29]

On that note... Does anyone know how long it takes for it to show up on Great Canadian Rebates after you've been approved? (I got it from the link on page 3)

There's a link on there offering $70 for a gold business amex; is that the link??

Edited to add: I read back a few pages, and yes, that is the link.

[darkdude]

roughly 3 to 4 days... and about 2 weeks before your card is delivered

cool! thanks. =)

[ramaslamma]

I've applied, and I guess someone tried to contact me today on my Home Phone.

Anyway I can call back to speed up the process. I assume they are calling to verify some details.

[darkdude]

I've applied, and I guess someone tried to contact me today on my Home Phone.

Anyway I can call back to speed up the process. I assume they are calling to verify some details.

Yep, you can call back. When you applied, they had a phone number if u had any questions.

1-800-565-0288.

I called that today and they just wanted to check that I was the one that applied and verify my information. I got approved right after that.

[prrollt]

I applied last Tuesday, someone called me at home on Saturday to verify my identity and I received the card in the mail yesterday.

9 days is all it took for me!

[Snoochy]

Has anyone transferred their 25,000 amex points to someone elses Aeroplan account...I believe this site said that it was possible and some people called Amex to confirm it...but I just wanted to know if someone actually did it?

Thx

[tng11]

Has anyone transferred their 25,000 amex points to someone elses Aeroplan account...I believe this site said that it was possible and some people called Amex to confirm it...but I just wanted to know if someone actually did it?

Thx
I will confirm this. On the transfer page where you enter the Aeroplan number, just enter the other person's Aeroplan number. They don't actually check the name with Aeroplan. The account I transferred to didn't match my name.

[dinesh_zee]

I will confirm this. On the transfer page where you enter the Aeroplan number, just enter the other person's Aeroplan number. They don't actually check the name with Aeroplan. The account I transferred to didn't match my name.

oh really!
When I called AMEX, the CSR told it can't be done as 'names' between accounts should match. May be it can be only done online by our self?

[prrollt]

tng11, do you have a link to that transfer page? It would be greatly appreciated.

[chronos]

tng11, do you have a link to that transfer page? It would be greatly appreciated.

When you login to your account online, click on the "Rewards" link on the left side of the page. Under Frequent Traveller Participants, click "View Participants". You can add and transfer points from that page, and it's instant!

Edit: here's the online login page - https://home.americanexpress.com/home/ca/en/home_c.shtml?

[prrollt]

Thanks Chronos, it works great!

[akide]

excellent, can probably sell some aeroplan miles to people this way haha

[ditto]

excellent, can probably sell some aeroplan miles to people this way haha

good idea, I will pay $100 cash for every 26k aeroplan miles. So basically you will be getting $170 ($100 from me and $70 from that rebate company) for applying the credit card and spending $1000 in first 3 months! PM if interested.

[Tilter]

good idea, i will pay $100 cash for every 26k aeroplan miles. So basically you will be getting $170 ($100 from me and $70 from that rebate company) for applying the credit card and spending $1000 in first 3 months! Pm if interested.
I'll pay $200!

[markj]

ill pay $200 too

[tkyoshi]

oh really!
When I called AMEX, the CSR told it can't be done as 'names' between accounts should match. May be it can be only done online by our self?

It should match but I don't think the system verifies this. However I will have to look it up but I believe it does say in the MR terms that the account name *must* match. So if they end up auditing your account you might have some explaining to do.

It says on the site "Can i transfer points into someone elses's airline frequent flyer or frequent guest account?"
No. Membership Rewards points can only be transferred by you into an account in your name. For more details see Terms and Conditions. .

Please call 1-800-668-2639 for the complete Membership Rewards® Program Terms and Conditions.

From MR Terms & Conditions
You may only convert points into a participating Frequent Customer program account held by you or an Additional CM linked to your program account.

[ditto]

I'll pay $200!

ill pay $200 too

it is not worth $200 imho. For example, a round trip ticket to China is 75k aeroplan miles, but you will need to pay $280 for tax/surcharge or whatever. The current lowest price from travel agent is $930 if you pay cash, so $930-$280=$650, then you pay $600 to get 78k points, so basically you save $50 by taking so many hassles. saving 50% is my threshold by talking a deal on points, but you may have different opinions based on your destination/judgement.

[scoop]

it is not worth $200 imho. For example, a round trip ticket to China is 75k aeroplan miles, but you will need to pay $280 for tax/surcharge or whatever. The current lowest price from travel agent is $930 if you pay cash, so $930-$280=$650, then you pay $600 to get 78k points, so basically you save $50 by taking so many hassles. saving 50% is my threshold by talking a deal on points, but you may have different opinions based on your destination/judgement.

You can do much more then fly to China with aeroplan points.

There is certainly value to be had and you will be ahead if you buy 25K in points for $200. Seems fair to me.

[slowtyper]

it is not worth $200 imho. For example, a round trip ticket to China is 75k aeroplan miles, but you will need to pay $280 for tax/surcharge or whatever. The current lowest price from travel agent is $930 if you pay cash, so $930-$280=$650, then you pay $600 to get 78k points, so basically you save $50 by taking so many hassles. saving 50% is my threshold by talking a deal on points, but you may have different opinions based on your destination/judgement.

Yeah as the other guy said, the points are much more valuble than that IMO. Even if you have to take a domestic flight across canada you'd be saving over a couple hundred by using those 25k points for $200.

$930 to china may be the cheapest now (I haven't checked) but there are times when I've paid $1700 to Shanghai and these points would have worked for the same flight.

[HighFlyer]

The points are worth a whole lot more if combined with existing miles and redeemed for an international first/business class ticket.

[ricedion]

it is not worth $200 imho. For example, a round trip ticket to China is 75k aeroplan miles, but you will need to pay $280 for tax/surcharge or whatever. The current lowest price from travel agent is $930 if you pay cash, so $930-$280=$650, then you pay $600 to get 78k points, so basically you save $50 by taking so many hassles. saving 50% is my threshold by talking a deal on points, but you may have different opinions based on your destination/judgement.

imho, it's a waste of your mileage if you redeem just a round trip ticket.
you could have added two stopover + one openjaw in your trip to maximize the value of your mileage point.
e.g. you could go further away to Singapore/Bangkok, and use your China stop as a stopover.

[ricedion]

btw, I have referred a friend who got his card approved without getting any call from AMEX. He found out this because he got the $70 from GCR without AMEX contacted him at all. He's been with AMEX for a long time and holding 2 prestige AMEX credit card. maybe that's why.

[akide]

same here, i applied awhile back through gcr and received the card quickly and didn't get a verification call from amex, i'm a heavy user with the platinum aeroplanplus card and been a member for a few years now..

[icecream]

If I get a supplementary card for my husband, would they know he has a card already if he applies for his own later on?

[kyli]

Is there anybody know the 25k points still work?
It' seem stop by the end of Mar.

[-=phelan=-]

curious to know are you able to transfer AMEX points to another AMEX user? As you'd get the 25k points and i want to transfer that to my dad whose got an AMEX plat. card which also is collecting AMEX points. Possible or not?

[g0blez]

Is it just me or it just takes forever for a transaction to show up on AMEX online. I did one a week ago and it still hasn:t posted.

[tkyoshi]

Is it just me or it just takes forever for a transaction to show up on AMEX online. I did one a week ago and it still hasn:t posted.

They might not have closed the batch. Retailers like Wal-Mart have large batches so they close them nightly. As a result transactions usually show up within 2 days, sometimes even the next day. Costco should be similar.

curious to know are you able to transfer AMEX points to another AMEX user? As you'd get the 25k points and i want to transfer that to my dad whose got an AMEX plat. card which also is collecting AMEX points. Possible or not?

You should have gotten a MR terms booket but I believe the answer is No.

[Sedul]

I was on the same boat. However, I did receive my rebate from great***canadianrebates site already:lol:. I assume the card will be mailed to me soon or later.



I spent 1k, got my 25k points and had everything approved. Clicked through GCR rebate link but I don't c the rbate showing up!

[beepyou]

I spent 1k, got my 25k points and had everything approved. Clicked through GCR rebate link but I don't c the rbate showing up!

i had to e-mail them.

membercare@********************.ca

[Ssalibian]

I dont know if this question has already been asked but do you have to be a registered business owner to get this card?

[scoop]

I dont know if this question has already been asked but do you have to be a registered business owner to get this card?

read the first page

[JWL]

Thanks again to Op. Got the card and the points right away. Transfer to Aeroplan was very fast. Points were spent in lieu of $700 flight.

[hoyoto]

I'll pay 250 CAD for your 26000 Aeroplan mile. PM me if interested.

[HowEver]

Just got my 25K points (got my $70 within a couple days, if I recall).

Nice.

[WhatADeal!]

I'll pay 250 CAD for your 26000 Aeroplan mile. PM me if interested.



I hope you know that you also need to pay 2 cents per mile to transfer from one account to the other? 26000 miles will cost you another $520 to transfer. There is a 50% discount until April 30th though.

Unless you mean the applicant provides your Aeroplan account during registration, that would make much more sense ...

[brutal]

will be traveling in a week's time. paid everything with the AMEX, does that mean I am covered by their insurance?

[M-e-X-x]

will be traveling in a week's time. paid everything with the AMEX, does that mean I am covered by their insurance?

yes, just read their coverage and agreement

[merlenn]

Does anyone know if they offer convenience cheques and/or have some way to do a balance transfer from my current business card to this? And would I earn points for this?

[tkyoshi]

Does anyone know if they offer convenience cheques and/or have some way to do a balance transfer from my current business card to this? And would I earn points for this?

This is a charge card so no Cash Advances, Balance Transfers, etc... and you never earn points for those types of transactions (on any credit card), or else people would just rip them off by reaping all the rewards without paying anything.

In some rare cases yes there are promotions with points for some credit cards but they're quite rare and targeted.

[runeash]

Just got my 25K points. I have 15K aeroplan points and my wife as 23K points. If I could figure out a way to transfer 10k to min and 5 k to my wife then we both would end up with 25K points good a long haul flight.. any ideas?

[brutal]

yes, just read their coverage and agreement

Thanks!!

I didn't get a subsequent card, I would like to know how long will it take to get one so that I can get my girlfriend covered with insurance as well?

[WhatADeal!]

Just got my 25K points. I have 15K aeroplan points and my wife as 23K points. If I could figure out a way to transfer 10k to min and 5 k to my wife then we both would end up with 25K points good a long haul flight.. any ideas?

Direct all points to your account and then transfer 5k to your wife's by end of the month promotion for $50. 25K is hardly considered long-haul though, as you're basically limited to traveling within North America.

[WhatADeal!]

I hope you know that you also need to pay 2 cents per mile to transfer from one account to the other? 26000 miles will cost you another $520 to transfer. There is a 50% discount until April 30th though.

Unless you mean the applicant provides your Aeroplan account during registration, that would make much more sense ...

Never mind. Just realized that one can earn miles without first linking to the Aeroplan account.

[bonzo]

I just got my 25k points posted today. I no longer see the ESSO $100 gift card on the Americanexpress.ca rewards website, it is still available on the aeroplan.ca website.

Is there some way I can transfer my points to the aeroplan.ca website?

[belfour]

Yes you can still convert AMEX points to Aeroplan on their rewards site.

[redflag]

Just got my 25K points (got my $70 within a couple days, if I recall).

Nice.

Do you need to show them any proof?

Just wondering if they credit the $70 only upon approval? How do they know if I'm approved or not, given I was not approved immediately?

Thanks,

[darkdude]

Do you need to show them any proof?

Just wondering if they credit the $70 only upon approval? How do they know if I'm approved or not, given I was not approved immediately?

Thanks,

Yep, you only get it if you have been approved. You can try calling AMEX to see if you are approved. Then they'll tell GCR that you have, and you should be given that $70 in a few days.

[redflag]

Yep, you only get it if you have been approved. You can try calling AMEX to see if you are approved. Then they'll tell GCR that you have, and you should be given that $70 in a few days.

I just got the approval. Great deal! Thank you!

Need to spend $1,000 now.

Thanks OP!

[dinesh_zee]

How many in here transferred their Amex points to somebody else Aeroplan points, even though it violates the terms and conditions?

Any problems so far?

[sugarsugar]

Applied, just got a letter from AMEX ask for my signiture, apparently they need to contact my bank for billing info.....:confused:
any idea?

[tng11]

How many in here transferred their Amex points to somebody else Aeroplan points, even though it violates the terms and conditions?

Any problems so far?

Done it with absolutely no repercussions. I just entered my mom's Aeroplan number in my profile, waited a few days and then transferred it over immediately. Points have already been used so I don't know what they could do.

[akide]

using the 25000 membership rewards points for $125 bucks of american express travellers cheques ain't bad too, the USD and CAD travellers cheques are at the same rate of 25000 MR pts

[darklord700]

using the 25000 membership rewards points for $125 bucks of american express travellers cheques ain't bad too, the USD and CAD travellers cheques are at the same rate of 25000 MR pts

If you have Aeroplan, 25000 points will give you $200 CAD in Esso gift card which is better than $125 in travellers cheques.

[Chew300ZX]

How long is this going to run? It's been going easily over six months already! I wonder if I'll be able to get another free year after I cancel? The way it's going it seems like this is going to be the standard offer for a while...

[redflag]

Yep, you only get it if you have been approved. You can try calling AMEX to see if you are approved. Then they'll tell GCR that you have, and you should be given that $70 in a few days.

I see $70 credit in my account, but for some reason I cannot request a check until after 2 months. Not sure why......:confused:

[emocean]

I see $70 credit in my account, but for some reason I cannot request a check until after 2 months. Not sure why......:confused:

I think they pay quarterly.

::

[merlenn]

Hi,

My question is to anyone who has an accounting background...My wife and I have a small business and I'm wondering if we sign up for 2 cards and we decide to only use one for actual business expenses and 1 for personal expenses, would there be any accounting issues end of year? Assume i'm paying the personal expenses with personal income and not from the business bank account.

Hoping to see if I can maximize the points!

[darklord700]

Hi,

My question is to anyone who has an accounting background...My wife and I have a small business and I'm wondering if we sign up for 2 cards and we decide to only use one for actual business expenses and 1 for personal expenses, would there be any accounting issues end of year? Assume i'm paying the personal expenses with personal income and not from the business bank account.

Hoping to see if I can maximize the points!

Not really. You just have to keep track of what are business expenses, that's all.

[liujason]

Just applied. Used my name as business and business type as "Sole Proprietor". Hope I can get it.

[elty]

Applied through GCR link, and got "cannot give you instant confirmation" thing. Is it normal?

[redflag]

Applied through GCR link, and got "cannot give you instant confirmation" thing. Is it normal?


It is.

[fatal]

Does this give you travel cancellation insurance? i'm wonder if i should get his or stick to my TD travel visa..

[jerryhung]

Does this give you travel cancellation insurance? i'm wonder if i should get his or stick to my TD travel visa..

If you click couple links more, you can see the details
Anyway, I wouldn't use it for Travel as AMEX's accidental life insurance is only $100,000 while TD and CIBC will go up to $500,000


More details
https://www212.americanexpress.com/dsmlive/dsm/int/ca/en/smallbusiness/ourcards/allcards/americanexpressbusinessgoldrewardscard/allthedetails_pr.do?vgnextoid=34113b7b7fbd9110VgnV CM200000d0faad94RCRD&parent=A000008I44


Travel
Protection on the road.

Business Travel Protection:


Fully book and charge your travel, accommodation, and car rental to your American Express Business Gold Rewards Card. Get a portfolio of insurance benefits (included with Card membership):

Travel Accident Insurance(11)+:

You, your spouse and dependent children under the age of 23 are automatically covered with up to $100,000 of accidental death and dismemberment insurance when you travel by a Common Carrier Conveyance such as a plane, train, bus or ship and the entire fares have been charged to the Business Gold Rewards Card.

Car Rental Theft and Damage Insurance(12)+:

When you fully charge a car rental to your Business Gold Rewards Card, and where allowed by law, you will be automatically covered for damage or theft on your rental car, up to its full value. There's no additional charge for this coverage, and you can save the daily insurance fee (usually $16 to $23 per day) charged by the car rental company. Cardmembers can be covered for a period of up to 48 days and coverage amount up to $85,000. This provides coverage against damage, theft, fire and vandalism of rental cars.

Flight and Baggage Delay Insurance(13)+:

When you fully charge your airline tickets to your Business Gold Rewards Card, you receive up to $500 coverage for all reasonable and necessary hotel, motel or restaurant expenses made within 48 hours when you are delayed or denied boarding for more than four hours and no alternate transportation is available. It also includes up to $500 for all immediate daily necessary and reasonable emergency purchases, made within four days, for essential clothing and sundry items when your baggage on your outbound trip is delayed more than six hours. Coverage is for necessary and reasonable emergency purchases because of a flight delay.

Hotel / Motel Burglary Insurance(14)+:


While registered as a guest in a hotel or motel, you will be covered for the replacement of your personal items (excluding cash) up to $500 if your hotel/motel room is burglarized. To be eligible for this coverage, simply book and fully pay your accommodation with your Business Gold Rewards Card.

Travel Emergency Assistance(15)+:

Out-of-town emergency medical and legal referrals, and important travel-specific information, such as visa requirements or customs and inoculation regulations, are available by telephone, 24 hours a day, seven days a week. Need assistance now? In Canada and the U.S. call 1-800-678-5523. Elsewhere, call collect (312) 935-3606.

American Express® Travel Services Locations(9):


American Express has over 2,200 travel locations around the world in more than 140 countries to offer assistance while you're travelling. In Canada, Amex Canada Inc. provides a phone-based travel service at
1-800-611-1100. Or call 1-800-414-TRIP (8747) for the travel service location nearest you.

[slowtyper]

I received my $72 cheque today from GCR. I'm still kind of shocked that I can sign up for a card, pay no service fees at all and get a free trip (25000 pts) and a cheque for $72. Where does the $72 come from anyways? AMEX pays it to GCR and then GCR takes a cut and passes it back to me? Thats a lot AMEX is paying IMO.

[jerryhung]

I received my $72 cheque today from GCR. I'm still kind of shocked that I can sign up for a card, pay no service fees at all and get a free trip (25000 pts) and a cheque for $72. Where does the $72 come from anyways? AMEX pays it to GCR and then GCR takes a cut and passes it back to me? Thats a lot AMEX is paying IMO.

$70 is only GCR's cut (i.e. AMEX pays more than $70 to GCR)
$2 is for GCR signup

Shows you how much RFD can make from the OP's post's affiliate link
at $70 per signup minimum :)

[slowtyper]

Yeah I never knew they paid that much for stuff like this, especially considering the majority of people in this thread will get the card, get the benefits and cancel before the year is up and never pay another yearly fee and never carry a balance! I sure as hell know I won't ever be paying any interest payments on this card

[redflag]

I think they pay quarterly.

::

Thanks!

Got my card today. A stupid question, where to find my credit limit?

[elty]

Thanks!

Got my card today. A stupid question, where to find my credit limit?

Charge card has no credit limit per s.e.

[figi28]

Anyone go through Dealg***d?
They are asking for some sort of a 10 digit ID number to process the $72 cashback transaction. I have looking at the papers I printed out when I placed the order for the card and can find no 10 digit ID number.
Anyone have any idea about this?

[Arrgh]

Charge card has no credit limit per s.e.

Harper should use it to pay off the national debt, and get lots of aeroplan points.

[cashinstinct]

Here is a thread idea for a Personal Finance post if any person wants to be the OP for that thread and updating it:

Stores accepting of refusing AMEX

Here is a start:


Accepting AMEX

Grocery
Metro

Clothing
Senza
Dynamite
Winners
Footlocker
The Bay

General
Costco
Paypal ($US purchases)
Canadian Tire
Ikea
Wal-Mart
Canada Post (some of them)
Cineplex

Gaz:
Ultramar
Esso
Petro-Canada
Pharmacy:
Jean Coutu
Shoppers Drug Mart

Home:
Ikea
Rona
Home-Depot

Utilities
Telus
Refusing AMEX

Grocery
Loblaw groceries (Loblaws, RCSS, Maxi)
IGA (Quebec)
SAQ (Quebec)

Clothing
Aubainerie (Quebec)

General
Tim Hortons
Zellers

Gaz:
?

Pharmacy:
?

Home:
?

Utilities
Videotron (Quebec)
Hydro-Quebec (Quebec)

I avoided too specific locations not useful.

[Toule]

Virgin mobile and Mcdo refuse amex. BurgerKing accept it.

You really should start a new thread, this is very interresting!

[lane99]

Applied for the card. They phoned to confirm my identity, and then sent my card.

Spent my 1000 bucks...got my 25,000 points...got my $70 check from Great Canadian Rebates.

Everything went pretty smoothly.

[lanky]

Called to see if I was approved and went through the multiple choice questions, and was approved. YAY... ( I run my own company )

Now where to fly to? I bought the western escape pass and went to Yellowknife, Saskatoon & Regina, Queen Charlotte Islands, and going to Peru in May.

Hmm, Halifax, New York or Florida... Oh the choices...

[redflag]

Applied for the card. They phoned to confirm my identity, and then sent my card.

Spent my 1000 bucks...got my 25,000 points...got my $70 check from Great Canadian Rebates.

Everything went pretty smoothly.

I saw the $70 credit, but was told that I can request the check in June. Somebody mentioned that they pay quarterly, and now I'm confused......:confused:

[jerryhung]

I saw the $70 credit, but was told that I can request the check in June. Somebody mentioned that they pay quarterly, and now I'm confused......:confused:

It'd say when you login into GCR
For me (payment to paypal)

Subtotal: $8.11 (Valid for payout on June 15)

[Deemo]

I got my card yesterday.

I can't keep up with you guys.....what is the GCR deal and how does it work?

I sign up on their site and link it to my Amex card number somehow????:confused:

[lane99]

I saw the $70 credit, but was told that I can request the check in June. Somebody mentioned that they pay quarterly, and now I'm confused......:confused:

I was compressing everything that happened over the past three months into my one line recap. Yes, it did take a couple months before GCR actually delivered the check to me. But, the fact that I got it at all, I felt I was ahead of the game :p From the gitgo, I was skeptical the benefits of this deal would actually materialize.

[lane99]

I got my card yesterday.

I can't keep up with you guys.....what is the GCR deal and how does it work?

I sign up on their site and link it to my Amex card number somehow????:confused:

You're supposed to APPLY for the card via GCR's website.

So, though you better not take my uneducated word on it, I'm afraid you might have missed the boat.

[xsf]

It'd say when you login into GCR
For me (payment to paypal)

For those who set up payment to Paypal, does it provide you an option to enter your email address registered to your Paypal account, or does it assume that the email address registered with GCR is the same as your Paypal account? Can they be different?

TIA.

[Chew300ZX]

Lets keep this goin...

Stores accepting or refusing AMEX



Accepting AMEX

Grocery
Metro
Sobeys

Clothing
Senza
Dynamite
Winners
Footlocker
The Bay
Labels
Old Navy

Fast Food:
Burger King

General
Costco
Paypal ($US purchases)
Canadian Tire
Ikea
Wal-Mart
Canada Post (some of them)
Staples

Electronics/Tech:
Dell.ca

Entertainment:
Blockbuster Video
EB Games
Cineplex
Empire Theatres

Gaz:
Ultramar
Esso
Petro-Canada
North Atlantic

Pharmacy:
Jean Coutu
Shoppers Drug Mart
Lawtons Drugs

Home:
Ikea
Rona
Home-Depot
Home Hardware

Utilities
Telus
Aliant



Refusing AMEX

Grocery
Loblaw groceries (Loblaws, RCSS, Maxi, Dominion in NL)
IGA (Quebec)
SAQ (Quebec)

Clothing
Aubainerie (Quebec)

Fast Food:
McDonalds
A&W


General
Tim Hortons
Zellers

Gaz:
?

Pharmacy:
?

Home:
?

Utilities
Videotron (Quebec)
Hydro-Quebec (Quebec)
Newfoundland Power (they don't take any credit cards)

[Deemo]

You're supposed to APPLY for the card via GCR's website.

So, though you better not take my uneducated word on it, I'm afraid you might have missed the boat.



Yep....looks like I am taking the train or walking:cheesygri

[darkdude]

Stores accepting or refusing AMEX



Accepting AMEX

Grocery
Metro
Sobeys

Clothing
Senza
Dynamite
Winners
Footlocker
The Bay
Labels
Old Navy

Fast Food:
Burger King

General
Costco
Paypal ($US purchases)
Canadian Tire
Ikea
Wal-Mart
Canada Post (some of them)
Staples
London Drugs

Electronics/Tech:
Dell.ca
NCIX.com

Entertainment:
Blockbuster Video
EB Games
Cineplex
Empire Theatres

Gaz:
Chevron
Ultramar
Esso
Petro-Canada
North Atlantic

Pharmacy:
Jean Coutu
Shoppers Drug Mart
Lawtons Drugs

Home:
Ikea
Rona
Home-Depot
Home Hardware

Utilities
Telus
Aliant



Refusing AMEX

Grocery
Loblaw groceries (Loblaws, RCSS, Maxi, Dominion in NL)
IGA (Quebec)
SAQ (Quebec)

Clothing
Aubainerie (Quebec)

Fast Food:
McDonalds
A&W


General
Tim Hortons
Zellers

Gaz:
?

Pharmacy:
?

Home:
?

Utilities
Videotron (Quebec)
Hydro-Quebec (Quebec)
Newfoundland Power (they don't take any credit cards)

[dinesh_zee]

Accepting AMEX

Grocery
Food Basics
Super C (QC)
Metro
Sobeys

Clothing
Senza
Dynamite
Winners
Footlocker
The Bay
Labels
Old Navy

Fast Food:
Burger King

General
Costco
Paypal ($US purchases)
Canadian Tire
Ikea
Wal-Mart
Canada Post (some of them)
Staples
London Drugs

Electronics/Tech:
Dell.ca
NCIX.com

Entertainment:
Blockbuster Video
EB Games
Cineplex
Empire Theatres

Gaz:
Chevron
Ultramar
Esso
Petro-Canada
North Atlantic

Pharmacy:
Jean Coutu
Shoppers Drug Mart
Lawtons Drugs

Home:
Ikea
Rona
Home-Depot
Home Hardware

Utilities
Telus
Aliant



Refusing AMEX

Grocery
Loblaw groceries (Loblaws, RCSS, Maxi, Dominion in NL)
IGA (Quebec)
SAQ (Quebec)

Clothing
Aubainerie (Quebec)

Fast Food:
McDonalds
A&W

General
Tim Hortons
Zellers

Gaz:
?

Pharmacy:
?

Home:
?

Utilities
Velcom (ON and QC)
Desjardins general insurance
Videotron (Quebec)
Hydro-Quebec (Quebec)
Newfoundland Power (they don't take any credit cards)

[Da Mango]

You can add most Chinese restaurants to this list... wait, they don't take any credit cards, just cash or debit haha :lol:

[emocean]

For those who set up payment to Paypal, does it provide you an option to enter your email address registered to your Paypal account, or does it assume that the email address registered with GCR is the same as your Paypal account? Can they be different?

TIA.

I didn't find anywhere on GCR site to put in my paypal e-mail (which was different from the one I signed up with). I just went into my Paypal and added the e-mail address I signed up with to my account with Paypal and it was fine, got my payment.

::

[Sedul]

I signed up via GCR a while back (Late March). My card approved, spent my money on it, got my points. But I didnt' get the GCR rebate

I think there was a problem with the signing up process via GCR

I contact the GCR CSR and they asked me to find out the AMEX REFERENCE NUMBER and it should be attached to my AMEX Account or on my confirmation e-mail. But, I cannot find this and I contacted AMEX: the CSR said it's system generated but it should have been sent in my confirmation e-mail... (Idind't ask whether it was attached to my account)

Do any of you know of such number and where to find it

...

The following information:
1) Primary Card holder name
2) Primary Card holder address
3) last 4 digits of the primary card.
4) Date of Application
5) Date card was received
6) Amex Reference number (it should be a number like 20090333800403CAD00)

Please let us know if you have any other comments, questions, or suggestions.
...

[tkyoshi]

I signed up via GCR a while back (Late March). My card approved, spent my money on it, got my points. But I didnt' get the GCR rebate

I think there was a problem with the signing up process via GCR

I contact the GCR CSR and they asked me to find out the AMEX REFERENCE NUMBER and it should be attached to my AMEX Account or on my confirmation e-mail. But, I cannot find this and I contacted AMEX: the CSR said it's system generated but it should have been sent in my confirmation e-mail... (Idind't ask whether it was attached to my account)

Do any of you know of such number and where to find it

...

The following information:
1) Primary Card holder name
2) Primary Card holder address
3) last 4 digits of the primary card.
4) Date of Application
5) Date card was received
6) Amex Reference number (it should be a number like 20090333800403CAD00)

Please let us know if you have any other comments, questions, or suggestions.
...

When you finish your application, the confirmation page has it as well. However I'm assuming you didn't print or save the page so yeah i dunno how you'd retrieve it other then begging amex to try and search for it.

[mahjongmaniac]

I got my card yesterday.

I can't keep up with you guys.....what is the GCR deal and how does it work?

I sign up on their site and link it to my Amex card number somehow????:confused:
You're supposed to APPLY for the card via GCR's website.

So, though you better not take my uneducated word on it, I'm afraid you might have missed the boat.

yep. sounds like to me he already signed-up, which means you can no longer qualify for the GCR cashback


a while back i signed up for the AMEX reg. CC for $30 cashback and it went pretty smoothly for me. $30 balance came up after 1 mth or 2 i think.

[tmo72]

Accepting AMEX

Grocery
Food Basics
Super C (QC)
Metro
Sobeys

Clothing
Senza
Dynamite
Winners
Footlocker
The Bay
Labels
Old Navy

Fast Food:
Burger King

General
Costco
Paypal ($US purchases)
Canadian Tire
Ikea
Wal-Mart
Canada Post (some of them)
Staples
London Drugs

Electronics/Tech:
Dell.ca
NCIX.com

Entertainment:
Blockbuster Video
EB Games
Cineplex
Empire Theatres

Gaz:
Chevron
Ultramar
Esso
Petro-Canada
North Atlantic
Sunoco

Pharmacy:
Jean Coutu
Shoppers Drug Mart
Lawtons Drugs

Home:
Ikea
Rona
Home-Depot
Home Hardware

Utilities
Telus
Aliant
Rogers
407 ETR


Refusing AMEX

Grocery
Loblaw groceries (Loblaws, RCSS, Maxi, Dominion in NL)
IGA (Quebec)
SAQ (Quebec)

Clothing
Aubainerie (Quebec)

Fast Food:
McDonalds
A&W

General
Tim Hortons
Zellers

Gaz:
?

Pharmacy:
?

Home:
?

Utilities
Velcom (ON and QC)
Desjardins general insurance
Videotron (Quebec)
Hydro-Quebec (Quebec)
Newfoundland Power (they don't take any credit cards)
Dominion Insurance
Teksavvy

[brunes]

Yeah I never knew they paid that much for stuff like this, especially considering the majority of people in this thread will get the card, get the benefits and cancel before the year is up and never pay another yearly fee and never carry a balance! I sure as hell know I won't ever be paying any interest payments on this card

Don't forget, AMEX also chargers the merchants where you use the card too - somewhere on the order of 2%-3%.

Also, they are for sure paying less than one cent per Aeroplan mile (which is the "going market" value) - I bet they pay more like 0.5 cents / mile.

So total cost to them is like around $200 spent to get you as a customer - all you have to do is charge $7500 on the card and they have broken even. Considering most who are approved for this card would charge much more than that in the first year, they are not too worried.

[deruo]

When you finish your application, the confirmation page has it as well. However I'm assuming you didn't print or save the page so yeah i dunno how you'd retrieve it other then begging amex to try and search for it.

I was not immediately credited the 70 dollar rebate through GCR either. They asked for the AMEX reference # but I never had one as I never got the confirmation email.

So if you need it, call AMEX and ask them for it. They asked why I needed it and I told them it was a long story but it was in order to get credit for signing up though a partner website - they gave it to me. Didn't seem too big a deal for them to look up.

GCR then had the credit for me in 3 days.

[SinghyLeafs]

Guy's I don't want to spend $1000!!!

Can I buy a TV from Future shop/BB and Return it within the 14 day time frame, and still get the 25,000 points?

[porphyra]

Guy's I don't want to spend $1000!!!

Can I buy a TV from Future shop/BB and Return it within the 14 day time frame, and still get the 25,000 points?

No you won't. Wouldn't life be too simple that way.

[slowtyper]

Guy's I don't want to spend $1000!!!

Can I buy a TV from Future shop/BB and Return it within the 14 day time frame, and still get the 25,000 points?

No. How can it be hard to spend $1000 in 3 months? If you don't spend that much, ask friends/family to put purchases on your card and write you a cheque/cash.

[dablackgoku1234]

Just buy gas gift cards. You are bound to use gas, unless you dont have one and only take ttc...

[WhatADeal!]

Guy's I don't want to spend $1000!!!

Can I buy a TV from Future shop/BB and Return it within the 14 day time frame, and still get the 25,000 points?


Why would you bother to register for the card when you know you can't even spend $1000? I hate RFD effect :twisted:

Just be satisfied with the $70 GCR rebate. Don't be too greedy.

[markdweasel]

Why would you bother to register for the card when you know you can't even spend $1000? I hate RFD effect :twisted:

Just be satisfied with the $70 GCR rebate. Don't be too greedy.

I applied using the original link. Did not go through the Great Canadian Rebates site. Can I still get the $70?

Thanks.
Mark

[M-e-X-x]

Accepting AMEX

Refusing AMEX

Utilities
Teksavvy

uh, Teksavvy does take AMEX, unless the bold means it was a mistake?

[najibs]

Guy's I don't want to spend $1000!!!

Can I buy a TV from Future shop/BB and Return it within the 14 day time frame, and still get the 25,000 points?



You cheap bone head. It's morons like you that cause retail prices to increase for everyone else by 'renting' things. And no, you can't get the 25k bonus by doing that. If you had half a brain you would have figured that out. Heck, if you had half a brain you wouldn't have applied for a card that now you can't get a bonus for, which was the main reason for applying for it :rolleyes:

[jamescl]

just applied...

and to the bonehead that couldn't find $1k to spend on...
why don't you just buy something on ebay that's a good deal then sell it locally via craigslist or here? there's bound to be a deal where you can about break even. if you're smart you'll probably make a few bucks too while you're at it.

[reddeals]

Just applied too. Thanks OP.

Will see how long I need to wait for receiving it.

[sunchaser53]

+1

i applied using the original link. Did not go through the great canadian rebates site. Can i still get the $70?

Thanks.
Mark

[porphyra]

I applied using the original link. Did not go through the Great Canadian Rebates site. Can I still get the $70?

Thanks.
Mark

No you cannot. To get the rebate, you would have had to apply through the link from the GCR website (which then takes you to the same place, but has a tracking cookie). You usually see the $70 in your GCR account before you officially hear from AMEX that you are approved. A good way of telling if your approval went through.

If you choose payment by cheque, I believe you have to wait 45 days. Just got my cheque $72 actually ($1 is just for registering), the other day. Well after my AMEX card. But a free $70 so who is complaining.

[rivet]

Ok, I have not read the whole thread, but can any one tell me how long do I have to keep the card in order to get the deal. At least till year 2 where I should pay $180 annual fee? Can I cancel the card in year 1?

[tmo72]

uh, Teksavvy does take AMEX, unless the bold means it was a mistake?

Really? Their online sign-up didn't accept it when I signed up last year... and when I called to change my billing to amex, they said they didn't take it.

[angel_wing0]

Ok, I have not read the whole thread, but can any one tell me how long do I have to keep the card in order to get the deal. At least till year 2 where I should pay $180 annual fee? Can I cancel the card in year 1?

just keep it before the annual fee hits...say 360 days?

Big thanks to najibs btw. Well deserving...and $70 too :D

[slowtyper]

Just buy gas gift cards. You are bound to use gas, unless you dont have one and only take ttc...

In that case buy a ton of TTC tokens!

[dtrader69]

You cheap bone head. It's morons like you that cause retail prices to increase for everyone else by 'renting' things. And no, you can't get the 25k bonus by doing that. If you had half a brain you would have figured that out. Heck, if you had half a brain you wouldn't have applied for a card that now you can't get a bonus for, which was the main reason for applying for it :rolleyes:

+1 million

[najibs]

Big thanks to najibs btw. Well deserving...and $70 too :D

No problemo. The funny thing is, I haven't applied for this card. I have too many :razz: Heck, I haven't applied for a credit card in over a year! But this is one heck of a deal, no doubt about it :cheesygri

[moveon]

Thanks much OP! I got my card a few days ago along with $70 from "some site" :) Now I just need to spend $1000 in 3 months to get the 25000 points I need for my free plane ticket to HK!

[Sedul]

When you finish your application, the confirmation page has it as well. However I'm assuming you didn't print or save the page so yeah i dunno how you'd retrieve it other then begging amex to try and search for it.

thanks... time to beg.

[angel_wing0]

called amex, approved (man that was QUICK). How long does it take the $70 to appear on GCR? thanks.

[TorontoEh]

called amex, approved (man that was QUICK). How long does it take the $70 to appear on GCR? thanks.

I got ine in 5 days....


Funny thing happened last week when I redeemed all my points from AMEX to Aeroplan 26000 points were transferred TWICE!!!! Yes I knew it was a transfer mistake I had them in my account for like a week and they finally took them off the account :lol:

[angel_wing0]

I got ine in 5 days....

5 days after u are approved? man that's a long time...

just checked:
Most Cash Back Rebates will be added to your Great Canadian Rebate account within 72 hours; however, it may take up to 30 days from the time of purchase to appear.
If your Cash Back Rebate doesn't post within 30 days please email us at ... so we can investigate your transaction. We can only guarantee your Cash Back Rebate if you use a coupon or online special from Great Canadian Rebates. The use of any other coupon might prevent you from earning a Cash Back Rebate.

I guess 72 hours within purchase/approval...?

[MrDisco]

weird..same day i get the SPG card I get an invite from AMEX for the business gold card.

[sexpuppet6000]

I have been approved and have received my $70 dollars from GCR. However, I am having a tough time finding any flights for the 25,000 aeroplan miles. I need to fly one-way from Vancouver-Toronto and even this single flight is 35,000 points. What flights ARE there for 25,000 points?

[M-e-X-x]

Really? Their online sign-up didn't accept it when I signed up last year... and when I called to change my billing to amex, they said they didn't take it.

They definitely take AMEX. I saw the charge on my bill recently.

[WhatADeal!]

You need to pick Economy ClassicFlight (not ClassicPlus). From Vancouver, you should only need 15K to fly to anywhere within BC, AB and YK round-trip, 25K to fly round-trip anywhere else within North America except Hawaii.

http://www.aeroplan.com/use_your_miles/travel/flights/air_reward_chart.do



I have been approved and have received my $70 dollars from GCR. However, I am having a tough time finding any flights for the 25,000 aeroplan miles. I need to fly one-way from Vancouver-Toronto and even this single flight is 35,000 points. What flights ARE there for 25,000 points?

[angel_wing0]

5 days after u are approved? man that's a long time...

just checked:
Most Cash Back Rebates will be added to your Great Canadian Rebate account within 72 hours; however, it may take up to 30 days from the time of purchase to appear.
If your Cash Back Rebate doesn't post within 30 days please email us at ... so we can investigate your transaction. We can only guarantee your Cash Back Rebate if you use a coupon or online special from Great Canadian Rebates. The use of any other coupon might prevent you from earning a Cash Back Rebate.

I guess 72 hours within purchase/approval...?

so after a week it's there. Now just gotta wait for the card.

[mcgillhonger]

Wow, this is an awesome deal, especially when bundled in with the GCR $70 rebate! :razz:

Honestly, I totally forgot GCR existed for about two years until this thread. Realized I had $35 in my GCR account that was still waiting to be cashed out. lol.

I was simply too lazy to go thru 40+ pages, but it's normal that we didn't get approved while completing the online application process right? Someone earlier mentioned he/she didn't get approved either. Guess I'll wait for a call!

It's also conceivable to cancel the AMEX card a month before your anniversary date, correct? ;)

[angel_wing0]

I was simply too lazy to go thru 40+ pages, but it's normal that we didn't get approved while completing the online application process right? Someone earlier mentioned he/she didn't get approved either. Guess I'll wait for a call!

It's also conceivable to cancel the AMEX card a month before your anniversary date, correct? ;)

Yes, they usually say they can't make a decision right away. Make sure YOU CALL THEM AND NOT THEY CALL YOU. It might take up to 2 weeks for them to call you. You can call 1-2 business days after you submitted your application.

Yes that's correct, unless u are planning to keep it.

[mcgillhonger]

Yes, they usually say they can't make a decision right away. Make sure YOU CALL THEM AND NOT THEY CALL YOU......

Thaaanks Angel. :D

RFD actually helped me make money this time (instead of making me spend it). Hehe...

[WhatADeal!]

Making $70 and then having to spend $1000. Not such a great deal in my books :twisted:



Thaaanks Angel. :D

RFD actually helped me make money this time (instead of making me spend it). Hehe...

[engo]

Making $70 and then having to spend $1000. Not such a great deal in my books :twisted:

It would work for people who are planning or normally spend at least $1000 over 3 months period. I got approved and will allocate some spending from other credit cards to this AE over the next month or so to take advantage of the deal. ;)

[Terrific_Deals2k8]

Making $70 and then having to spend $1000. Not such a great deal in my books :twisted:

Sacrasm - Some people just don't get it, LOL... In reference to the poster above me, haha! :D

[slowtyper]

I've never booked with aeroplan pts before. I'm planning on using 50K points on a trip for two across Canada in August. How long can I safely wait to book? Are there only a certain number of seats available for aeroplan? I'd like to book as late as possible incase plans change (unlikely but still possible). However, if its advised I should book immediately (like 3 months in advance) then it could be done as well.

[angel_wing0]

Making $70 and then having to spend $1000. Not such a great deal in my books :twisted:

umm, u forgot the 25k pts? ;)

[jesterwilly2004]

I've never booked with aeroplan pts before. I'm planning on using 50K points on a trip for two across Canada in August. How long can I safely wait to book? Are there only a certain number of seats available for aeroplan? I'd like to book as late as possible incase plans change (unlikely but still possible). However, if its advised I should book immediately (like 3 months in advance) then it could be done as well.

DO it now. Limited seating. May have to vary your travel dates for the lowest amount of points needed. 25k is the base and it goes up pending destination and time of year (some direct flights included, does not include 1st class). Don't forget - you still have to pay taxes.

[angel_wing0]

just got my card, yay! now gotta spend $1000 in the next 3 months :D

Just checked online and it seems possible to transfer the amex pts to spg pts. I wonder how many spg pts is 25k amex pts?

[mcgillhonger]

Making $70 and then having to spend $1000. Not such a great deal in my books :twisted:

Hehehehe...... :D

Sarcasm aside, I spend $1K in a heartbeat for business expenses. My next trip would cover this with the airfare alone.

Now I just gotta wait a couple days before calling them up...

[angel_wing0]

Just checked online and it seems possible to transfer the amex pts to spg pts. I wonder how many spg pts is 25k amex pts?

Got the answer, 230. Not worth it at all.

[najibs]

Got the answer, 230. Not worth it at all.

1000 MR = 230 starpoints

[angel_wing0]

1000 MR = 230 starpoints

oh, so 25k = 5750 starpoints...still not as good as 25k aeropts :D

[ultracrt]

Finally passed the $1000 mark and the 25000 appeared in my account. But how to transfer them to aeroplan account? I could not find any clue when navigating through everywhere in my AMEX online account.

It might be mentioned earlier and buried somewhere in this very long post. Can someone enlighten me?

Thanks.

[Pseudo Nim]

Finally passed the $1000 mark and the 25000 appeared in my account. But how to transfer them to aeroplan account? I could not find any clue when navigating through everywhere in my AMEX online account.

It might be mentioned earlier and buried somewhere in this very long post. Can someone enlighten me?

Thanks.

You need to add Aeroplan as a partner. This is in the rewards options somewhere, somewhat buried.

[brunes]

So, I already have an Amex, but am thinking of biting the bullet to get this, the offer is too good to pass up. 25K AP miles is woth like $800+ out here, so even *IF* I had to pay an annual fee it is well worth it.

My Q is - will Amex accept my application, because I already have an Amex?

I actually *do* have a legit "business" to get one with (I do contracting on the side).

[zickvon]

So, I already have an Amex, but am thinking of biting the bullet to get this, the offer is too good to pass up. 25K AP miles is woth like $800+ out here, so even *IF* I had to pay an annual fee it is well worth it.

My Q is - will Amex accept my application, because I already have an Amex?

I actually *do* have a legit "business" to get one with (I do contracting on the side).

I don't why you think 25K AP miles worth $800, the best deal I could think of is 2x$100 esso gas card.

Anyway, you should be ok applying the second AMEX card. I have an AMEX already when I applied mine, and it got approved.

[Pseudo Nim]

I don't why you think 25K AP miles worth $800, the best deal I could think of is 2x$100 esso gas card.

Anyway, you should be ok applying the second AMEX card. I have an AMEX already when I applied mine, and it got approved.

If you live far + want to travel business class it's worth a LOT. To me, 25k point is worth $2,500: 100,000 points -> $10k business class ticket, so 10k points = $1,000. Don't redeem for Esso cards - redeem for stuff that's actually worth it.

And yes - Amex will give you the card + the bonus even if you already have an AMEX or two (I had two other Amexes when I got this one, and ended up cancelling one of the other two).

[Tilter]

Finally passed the $1000 mark and the 25000 appeared in my account. But how to transfer them to aeroplan account? I could not find any clue when navigating through everywhere in my AMEX online account.

It might be mentioned earlier and buried somewhere in this very long post. Can someone enlighten me?

Thanks.
www.americanexpress.ca, sign up and look to add aeroplan as a way to transfer your points.

[Homeo]

I just called them up to inquire about the status of my online application after 2 weeks of not hearing back.
Surprizingly they told me I don't have enough credit history and need to have at least 2-3 cards before I can get this one.
I've had the same card for 6 years with impeccable history.
They told me to try again in 6 months. It seems to me their decision was based on incomplete information.
I have 2 questions:

1) should I try calling again and asking them to check again? does providing a SIN# help?
2) what's the next best card I can try?

[deruo]

Without knowing more about your situation, it is hard to say, but remember that this is not a credit card, its a charge card. Don't give them your SIN#. They don't need it and you should never give it out to anyone other than the Government.

In light of the economy, card companies are getting pickier about who they give "credit" to. AMEX in the US has been paying "members" to get rid of them.

I doubt the information was incomplete as they would have called if they needed to reconfirm something and having 1 card for 6 years may not be enough for them to give you a card with no limit. I once had a problem with Visa through TD giving me a card even though I had a large amount of money in my account at TD.

Next best card? I'd say CIBC Aeroplan if you are looking to get Aeroplan points but I've been refused by them twice. Once because I wasn't self-employed for 3 years at that point, and the other, who knows?

Someone else was asking if you could apply if you already had an AMEX card. Yes, you can and I think it helps. I applied and got my new card within a week.

[angel_wing0]

So, I already have an Amex, but am thinking of biting the bullet to get this, the offer is too good to pass up. 25K AP miles is woth like $800+ out here, so even *IF* I had to pay an annual fee it is well worth it.

My Q is - will Amex accept my application, because I already have an Amex?

I actually *do* have a legit "business" to get one with (I do contracting on the side).

i have 2 amex and they approved it, so dont worry.

[mcgillhonger]

I was just approved yesterday. Called the rep one day after applying, she asked me a few basic questions and we were done. No SIN number requested, no background check, nada.

Several of my buddies applied yesterday and were ALL approved today. Backgrounds were all different. Some of them had horrible credit history too and were previously refused everywhere else.

They were shocked to the bone when they were approved after just a few questions.

Quoted: "If I qualified for this AMEX card, (doggy poop) on a sidewalk would qualify too".

I already have an AMEX card myself, but some of my friends never had an AMEX card before. None of us had any issue getting this one.

[Sgt_Strider]

My dad is thinking about signing up for this card even though he already have an AMEX card. Will he still get the 25,000 aeroplan miles if he signs up? Can he cancel the card after 4 months?

[angel_wing0]

My dad is thinking about signing up for this card even though he already have an AMEX card. Will he still get the 25,000 aeroplan miles if he signs up? Can he cancel the card after 4 months?

yes, yes.

[brunes]

i have 2 amex and they approved it, so dont worry.

Applied last night, hopefully I'll get it.

My score is at 710 as of April so I think I should be OK...

[brunes]

I don't why you think 25K AP miles worth $800, the best deal I could think of is 2x$100 esso gas card.

Anyway, you should be ok applying the second AMEX card. I have an AMEX already when I applied mine, and it got approved.

$800 was actually the minimum it is worth to me, if I book a flight using it.

For reference the flight my wife took in March from here to Vancouver would have cost $1400+ return if we had not used points for it.

When you live in the Maritimes, the distance you have to travel to get anywhere combined with the lower population (and thus less carrier competition for fares), means flying is very expensive. And we have family in Baltimore, Vancover, Ottawa, Calgary... so we always have places to go and people to see with which points are very valuable.

[raccoon]

brunes,which city do you live in NB? for me, I am in YFC, the air ticket is 1.5 x higher than YQM,YSJ.

[BenK]

ouch, didn't get approved.

[angel_wing0]

ouch, didn't get approved.

ouch, how come :eek:

[tryinginvain]

Still not sure if I want to convert my amex points to aeroplan. I can't find any really good info on flight availability or tax amounts....other than reading that they still charge the fuel surcharge even though air canada doesn't charge it anymore.

I've used airmiles for years but never aeroplan. These days I usually just redeem my airmiles for merchandise instead of travel since it's a pain to get what you want and the taxes are so high.

I usually do 2-3 charter trips/year so I'm considering using 20k of the amex points for $200 worth of travel vouchers for their travel agency
http://www99.americanexpress.com/myca/loyalty/catalog/action?request_type=un_intlCatalog&action=RewardDetailSearch&Face=en_CA&rewardID=7099-0000&seqNo=1

I just booked a week in Cuba for $459 taxes incl.....$200 off would have been nice. Anyone have any opinions about this idea?

[tkyoshi]

Still not sure if I want to convert my amex points to aeroplan. I can't find any really good info on flight availability or tax amounts....other than reading that they still charge the fuel surcharge even though air canada doesn't charge it anymore.

I've used airmiles for years but never aeroplan. These days I usually just redeem my airmiles for merchandise instead of travel since it's a pain to get what you want and the taxes are so high.

I usually do 2-3 charter trips/year so I'm considering using 20k of the amex points for $200 worth of travel vouchers for their travel agency
http://www99.americanexpress.com/myca/loyalty/catalog/action?request_type=un_intlCatalog&action=RewardDetailSearch&Face=en_CA&rewardID=7099-0000&seqNo=1

I just booked a week in Cuba for $459 taxes incl.....$200 off would have been nice. Anyone have any opinions about this idea?

Actually it depends on the airline.

Question:
Is a fuel surcharge applied to Aeroplan reward tickets?

Answer:
Airlines determine whether or not to apply fuel surcharges. Aeroplan is required to collect these charges on applicable reward tickets on behalf of our airline partners.

Fuel surcharges are based on the airline responding to high crude oil and jet fuel prices. The surcharge will be assessed on a regular basis and adjusted according to the price in fuel.

As Aeroplan is not an airline, 100% of revenues collected for the fuel surcharge are passed along fully and directly to the airline to mitigate the financial impact of rising fuel prices.

For additional information, we invite you to contact the Aeroplan Contact Centre. Our representatives can be reached between 7 a.m. and 2 a.m. EST, any day of the week.

[Praetorian]

is there any financial benefit of using this card once one's reached the $1000 spending in the first three months?

[flaming homer]

is there any financial benefit of using this card once one's reached the $1000 spending in the first three months?You'll continue to earn 1 Membership Rewards point per dollar spent, not bad for a "free" premium card. However, come renewal date, the $180 fee and the lack of widely Amex acceptance would force most to cash out their "free" MR points and terminate the card.

[sweetsocaking]

Applied for the card last Wednesday called back on Friday and was immediately approved.

There was no credit check for this card am I right, he only asked some random security questions from my credit report as in what accounts blah blah multiple choice not sure if anyone else had this.

hoping to get the card shortly.

Also can I switch over to another charge card after a year as I am not interested in paying $180 annually to keep this card.

[najibs]

Applied for the card last Wednesday called back on Friday and was immediately approved.

There was no credit check for this card am I right, he only asked some random security questions from my credit report as in what accounts blah blah multiple choice not sure if anyone else had this.

hoping to get the card shortly.

Also can I switch over to another charge card after a year as I am not interested in paying $180 annually to keep this card.

Of course there's a credit check. Why would there not be? If he's asking you questions from your credit report, then clearly they have accessed it. That means a credit check was done.

As for switching over to another charge card. You can't, unless it's another BUSINESS charge card from Amex. That means it cannot be switched to any of the personal charge cards, and cannot be switched to any CREDIT card, be it personal or business. Personal charge cards can only be switched to other personal charge cards, just like business can only be switched among the other business charge cards.

[sexpuppet6000]

When Amex called to confirm my legitimacy as a person/business, they asked if I was a registered business and said yes. I was then approved for the card.

I am, of course, not a registered business. Could I be held responsible for breaking their agreement in say in the future they feel like reaming me in my bum?

[sweetsocaking]

Of course there's a credit check. Why would there not be? If he's asking you questions from your credit report, then clearly they have accessed it. That means a credit check was done.

As for switching over to another charge card. You can't, unless it's another BUSINESS charge card from Amex. That means it cannot be switched to any of the personal charge cards, and cannot be switched to any CREDIT card, be it personal or business. Personal charge cards can only be switched to other personal charge cards, just like business can only be switched among the other business charge cards.

Ok thanks I may just close it after don't see myself making thousands and thousands in purchases to really benefit from it, unless the business starts doing well this year.

[angel_wing0]

Ok thanks I may just close it after don't see myself making thousands and thousands in purchases to really benefit from it, unless the business starts doing well this year.

thats probably the plan for 75% of the ppl here :lol:

[mcgillhonger]

...they asked if I was a registered business and said yes. I was then approved for the card

... Could I be held responsible for breaking their agreement in say in the future they feel like reaming me in my bum?

You're going to JAIL my friend. I've notified the SEC, the CIA along with the OPP. Hope u enjoy your new name in the slammer, Betty.

:D

On a happier note, I've received my AMEX and 1/3 of my way to 26,000 points! No problems at all, except for the ridiculously lame business name I came up with over the phone (WARNING... think of something cool or you'll regret pulling your card out every time....)

[ebuiqu]

Indeed, I have seen your business name and it truly sucks.

As for inquiries about my business, I had absolutely zero questions about it. I also already have an Amex card so that probably helped especially since I pay everything on time.

[sweetsocaking]

on thing they ask me was what the business does.

[MrDisco]

got the card. the welcome kit doesn't mention anything about the intro promo but the helpful CSR automatically told me that you get 25k pts when you spend $1k in the first 3 months, annual fee is waived in the first year. also got a supp. card which also has the first year fee waived.

edit: should be obvious, but the supp. cards contribute to your $1k promo as well (along with the regular point rewards). great way to max out on the promo at a quicker rate.

For those keeping score, this card is a bright, glittery gold and probably twice as thick as the 2% Amex (or in other words it's as thick as any other cc). it also has a different hologram logo on the swipe stripe.

[sweetsocaking]

got the card. the welcome kit doesn't mention anything about the intro promo but the helpful CSR automatically told me that you get 25k pts when you spend $1k in the first 3 months, annual fee is waived in the first year. also got a supp. card which also has the first year fee waived.

Yup I received my card today also, also took advantage of a Supp card since the fee is waived.


Already spent my $1000 today lol been waiting for the card to purchase something.

[angel_wing0]

also got a supp. card which also has the first year fee waived.

Nice, didnt know that.

[tkyoshi]

got the card. the welcome kit doesn't mention anything about the intro promo but the helpful CSR automatically told me that you get 25k pts when you spend $1k in the first 3 months, annual fee is waived in the first year. also got a supp. card which also has the first year fee waived.

edit: should be obvious, but the supp. cards contribute to your $1k promo as well (along with the regular point rewards). great way to max out on the promo at a quicker rate.

For those keeping score, this card is a bright, glittery gold and probably twice as thick as the 2% Amex (or in other words it's as thick as any other cc). it also has a different hologram logo on the swipe stripe.

Actually it's the plastic, that's what i thought too at first. Place the two cards together or any card next to the 2% AMEX. You'll see the thickness is the same as any other credit card including the Gold Business AMEX.

I think this (Business) Gold looks better than the Platinum

[MrDisco]

Place the two cards together or any card next to the 2% AMEX. You'll see the thickness is the same as any other credit card including the Gold Business AMEX.


i don't know mine looks thinner. oh well it's neither here nor there. i'm more struck by how glittery the bus. card is, though i'm not a fan of the Centurion cameo.

[Gevaltech]

Actually it's the plastic, that's what i thought too at first. Place the two cards together or any card next to the 2% AMEX. You'll see the thickness is the same as any other credit card including the Gold Business AMEX.

I think this (Business) Gold looks better than the Platinum

I wish you people with the 2% AMEX would stop flaunting it.:mad:

[sweetsocaking]

I wish you people with the 2% AMEX would stop flaunting it.:mad:

It gets me vex also wish I had it.

[HotDeal]

I know the 2% Cash back Amex is good but I still miss the Canadian Tire 5% Cash back. Now that was a card! In 8 months I got about $1,400 in cash back using it. The $630 in cash back for a full Year using 2% Amex is good but just not "Great".

[angel_wing0]

I know the 2% Cash back Amex is good but I still miss the Canadian Tire 5% Cash back. Now that was a card! In 8 months I got about $1,400 in cash back using it. The $630 in cash back for a full Year using 2% Amex is good but just not "Great".

well the can tire is different because it's not grandfathered. It's gone. The 2% amex can still be used and is the best cashback card right now.

[tkyoshi]

well the can tire is different because it's not grandfathered. It's gone. The 2% amex can still be used and is the best cashback card right now.

Yes but the killer team (for cashback) is when you hook it up with another card ;)

AMEX 2% + MBNA Smart Cash (Gas/Groceries, Non AMEX Places) = BANG BOOM POW!

[angel_wing0]

Yes but the killer team (for cashback) is when you hook it up with another card ;)

AMEX 2% + MBNA Smart Cash (Gas/Groceries, Non AMEX Places) = BANG BOOM POW!

what makes u think that i dont have the combo already? :D

[brunes]

Got the card today. Spent the first few mins trolling through all the papers trying to figure out what the limit was, finally remembered there isn't one.

Now I just gotta figure out easiest way to charge $1000. Going to Costco this weekend, that should eat up nearly $1000 right there.

[angel_wing0]

Now I just gotta figure out easiest way to charge $1000. Going to Costco this weekend, that should eat up nearly $1000 right there.

LMAO. you spend 1k on groceries? :eek:

[brunes]

oh, so 25k = 5750 starpoints...still not as good as 25k aeropts :D

Obviously. But of course it is going to be that because SPG points are worth much more per point than Aeroplan points. That is why the SPG MC is such a good deal.

[scoop]

LMAO. you spend 1k on groceries? :eek:

you might be surprised to hear Costco has a little more then groceries. :D

[angel_wing0]

Obviously. But of course it is going to be that because SPG points are worth much more per point than Aeroplan points. That is why the SPG MC is such a good deal.

Much more? if it really is, might as well convert mine to SPG instead of aero since i m getting a spg mc and i dont have any aeropts cc...

you might be surprised to hear Costco has a little more then groceries. :D

oh true :-0

[brunes]

LMAO. you spend 1k on groceries? :eek:

Nearest Costco is 2 hours away here. We only go once every couple of months really. So when we go, we tend to stock up on our favorite items, and thus we spend quite a bit.

For some strange reason I always tend to pick up a lot of bargain non-grocery items too :)

Usually we spend between $500 - $750 on a trip.

[brunes]

Much more? if it really is, might as well convert mine to SPG instead of aero since i m getting a spg mc and i dont have any aeropts cc...


Well consider, 1 SPG is worth 1.2 Aeroplan poiints with a direct exchange - so that is 20% more right off the top.

The real value though comes when you use them for Starwood hotels. If you do this you can find 1 SPG is worth around 3-4 AP at least.

[brunes]

I know the 2% Cash back Amex is good but I still miss the Canadian Tire 5% Cash back. Now that was a card! In 8 months I got about $1,400 in cash back using it. The $630 in cash back for a full Year using 2% Amex is good but just not "Great".

Man I wish I had the income to be charging $120K / year.. I would be ballin

[angel_wing0]

*never mind got it fixed thru amex -> error on amex's side*

[sweetsocaking]

How long are people transactions taking to post, I did a $1000 transaction on Saturday still have not seen it appear.

[scoop]

How long are people transactions taking to post, I did a $1000 transaction on Saturday still have not seen it appear.

Its dependent on the merchant, not AMEX.

[Pseudo Nim]

Why was slowtyper's comment deleted? I thought it was phenomenally on point :D :D

[scoop]

Why was slowtyper's comment deleted? I thought it was phenomenally on point :D :D

I agree - he must have got scared of upsetting someone and pulled the plug.

[Pseudo Nim]

I agree - he must have got scared of upsetting someone and pulled the plug.

Who cares? This is a forum. If one is scared of being offended, one should not be on these forums - a) it's not like the Internet purports to be family-friendly, and b) an intelligent diss that is entirely justified is HARDLY grounds for upsetting someone. I demand the post be returned, or else I will quote it myself :D

[commie]

Applied for the card 2 weeks ago, and had the rebate posted to the GCR site..
How do I specify what paypal account to withdraw the money to?

[shipill]

I got approved :D

[MrDisco]

How do I specify what paypal account to withdraw the money to?

Do you mean GCR? Did you click on My Account -> Payment Methods option? :confused:

edit: further,
http://www.********************.ca/FAQ/#2

[angel_wing0]

Do you mean GCR? Did you click on My Account -> Payment Methods option? :confused:

edit: further,
http://www.********************.ca/FAQ/#2


do it in pm with all the "***" in the page.

[MrDisco]

do it in pm with all the "***" in the page.

no.

it wouldn't matter anyway as they're blocked in PMs as well. i think they know what the url is for gcr anyway if that's what their question was.

[porphyra]

Well, I think its good while the 1 year lasts. Honestly, I won't feel an iota of guilt for canceling it at my anniversary. The acceptance rate for AMEX in Canada is dismally low. I constantly have to do the card shuffle, where I present my AMEX only to be told they don't accept it.

No such problems in the States (much less significant). I wonder why/how AMEX is still hanging on in Canada. When a major chain like Loblaws doesn't take Amex, you know there are some issues there.

[dhamilton]

Is there any link on the GreatCdnrebates site that I can use as a referral anymore? I can't seem to find a Business Platinum card...

edit:
Perhaps I should clarify LOL...in the earlier posts people were able to pair GCR with this offer...does it exist anymore? :)

[angel_wing0]

Halfway there...just $500 more! :lol:

[donvaz]

Well, I think its good while the 1 year lasts. Honestly, I won't feel an iota of guilt for canceling it at my anniversary. The acceptance rate for AMEX in Canada is dismally low. I constantly have to do the card shuffle, where I present my AMEX only to be told they don't accept it.

No such problems in the States (much less significant). I wonder why/how AMEX is still hanging on in Canada. When a major chain like Loblaws doesn't take Amex, you know there are some issues there.

I am sot sure of what you mean by "issues" but Amex happens to change the vendors a much higher commission than either Visa or Mastercard for their payments so merchants are therefore not motivated to take the card.

For example did you know that if you wish to purchase tickets for any Vancouver 2010 event they accept only Visa and they will accept only Visa at all of the events they have.

How fair is that to someone who only carries Mastercard, Amex, Diners.?

[scoop]

I am sot sure of what you mean by "issues" but Amex happens to change the vendors a much higher commission than either Visa or Mastercard for their payments so merchants are therefore not motivated to take the card.

For example did you know that if you wish to purchase tickets for any Vancouver 2010 event they accept only Visa and they will accept only Visa at all of the events they have.

How fair is that to someone who only carries Mastercard, Amex, Diners.?

Its extremely fair IMO. Any merchant has the right to accept whatever forms of payment they wish, and any consumer has the right to decide to purchase or not given the merchants conditions. I suspect they get a lot of money from Visa to have this setup in this way, and the same amount of tickets will be sold regardless of the credit cards accepted.

[sweetsocaking]

Interesting I spent $1000 exactly on my card and it shows 26000 member reward points.

[HowEver]

Interesting I spent $1000 exactly on my card and it shows 26000 member reward points.

1000 points for $1000 spent, plus 25,000 points as a bonus.

How did you spend exactly $1000? Gift cards at Costco?

[sweetsocaking]

1000 points for $1000 spent, plus 25,000 points as a bonus.

How did you spend exactly $1000? Gift cards at Costco?

LOl ok makes sense, no i had to pay for a hall rental for my business.

[angel_wing0]

1000 points for $1000 spent, plus 25,000 points as a bonus.

How did you spend exactly $1000? Gift cards at Costco?


or just prepaid on bills :lol:

But nice, knowing that there is 1k pts for the 1k spent :)

[brunes]

Well, I think its good while the 1 year lasts. Honestly, I won't feel an iota of guilt for canceling it at my anniversary. The acceptance rate for AMEX in Canada is dismally low. I constantly have to do the card shuffle, where I present my AMEX only to be told they don't accept it.

No such problems in the States (much less significant). I wonder why/how AMEX is still hanging on in Canada. When a major chain like Loblaws doesn't take Amex, you know there are some issues there.

Walmart takes Amex. Sobeys takes Amex.

You should be complaining to Loblaws, not Amex, about this.

[brunes]

Is there any link on the GreatCdnrebates site that I can use as a referral anymore? I can't seem to find a Business Platinum card...

edit:
Perhaps I should clarify LOL...in the earlier posts people were able to pair GCR with this offer...does it exist anymore? :)

PM sent

[nameht]

approximately how long after i spend the $1000 should i receive the aeroplan points? I was approved for my card last Monday, so should be receiving my card within a couple days

I was planning on using the points for a trip at the end of June, I will be able to spend the $1000 fairly quickly, will i get my points right away or after the first billing statement?

[Mystic_Champion]

approximately how long after i spend the $1000 should i receive the aeroplan points? I was approved for my card last Monday, so should be receiving my card within a couple days

I was planning on using the points for a trip at the end of June, I will be able to spend the $1000 fairly quickly, will i get my points right away or after the first billing statement?The bonus points show immediately after you reach $1000.

[angel_wing0]

The bonus points show immediately after you reach $1000.

Great to hear!

[brunes]

I had a funny moment today, went to McDonalds for lunch with my co-workers, naturally I had a BOGO peeler coupon stuck in my wallet.

So here I am paying for a $2.50 cheeseburger using a freaking Amex business Gold card, and I am using one of the 10 peel-and-stick coupons plastered on my wallet like a 5th grader to get a free cheeseburger :)

For some reason I found it funny :)

[angel_wing0]

wow, mcdonalds in NB takes amex? none in gta takes amex afaik...

[flito ray]

Question:

when they say you need to spend 1000 in the first 3 months, is that based on the statement?

coz i signed up 2 weeks ago and only use the card for 1 week and I already got my june statement. that kinda sucks since it's not a full month yet.

Anyone know????

[Chew300ZX]

Walmart takes Amex. Sobeys takes Amex.

You should be complaining to Loblaws, not Amex, about this.

Exactly, or just stop shopping there. The almighty dollar can speak pretty loud.

[rkobylka]

Question:

when they say you need to spend 1000 in the first 3 months, is that based on the statement?

coz i signed up 2 weeks ago and only use the card for 1 week and I already got my june statement. that kinda sucks since it's not a full month yet.

Anyone know????


Yes you need to spend $1000 by your 3rd statement. My statement came only a week after having my card as well so really you have 2 months left to spend $1000

[angel_wing0]

Yes you need to spend $1000 by your 3rd statement. My statement came only a week after having my card as well so really you have 2 months left to spend $1000

JUst buy a laptop/tv, done :D

[Mystic_Champion]

Question:

when they say you need to spend 1000 in the first 3 months, is that based on the statement?

coz i signed up 2 weeks ago and only use the card for 1 week and I already got my june statement. that kinda sucks since it's not a full month yet.

Anyone know????
It should be based on 90 days. I got my 3rd statement before I reached $1000 - I was at $962 by the 3rd statement. I made some purchases before the 3rd statement, but they weren't posted until after yet I still got the 25000 bonus points.

[HowEver]

Question:

when they say you need to spend 1000 in the first 3 months, is that based on the statement?

coz i signed up 2 weeks ago and only use the card for 1 week and I already got my june statement. that kinda sucks since it's not a full month yet.

Anyone know????

Costco gift cards. Decide later. Done.

[angel_wing0]

Costco gift cards. Decide later. Done.

yes or that...bills/gc ;)

[krazynuck]

well i got my card and put $4700 on it in less then a week....good thing lots of places by me take amex

[angel_wing0]

u spent 4700 in less than a week, amazing.

well i got my card and put $4700 on it in less then a week....good thing lots of places by me take amex

[thisislalala]

hey...
does anyone know if the deal is still on? I can't seem to find the link anymore.

Thanks.:confused:

[angel_wing0]

hey...
does anyone know if the deal is still on? I can't seem to find the link anymore.

Thanks.:confused:

yes it's still on...

[Octavius]

Any idea when I can cancel this card without it affecting my credit negatively?

I've had it since February...I've put 1k on it and that was it. Haven't used it since.

[angel_wing0]

Any idea when I can cancel this card without it affecting my credit negatively?

I've had it since February...I've put 1k on it and that was it. Haven't used it since.

well since it's still quite new (< a year), i dont think it will negatively affect your credit if u cancel it.

[parry]

Also, if anyone can shed some light on the ********************? Should we sign up using the direct link or gcrebates one? what is the benefit of the two?


hey...
does anyone know if the deal is still on? I can't seem to find the link anymore.

Thanks.:confused:

[parry]

I did not know if you cancel the card yourself, it affects your credit score. Is that true?

[angel_wing0]

Also, if anyone can shed some light on the ********************? Should we sign up using the direct link or gcrebates one? what is the benefit of the two?

pm'ed.

[brunes]

Any idea when I can cancel this card without it affecting my credit negatively?

I've had it since February...I've put 1k on it and that was it. Haven't used it since.

I'd keep it as long as possible... if you ever end up travelling anywhere this year it is vastly in your benefit to charge hotel rooms / flights to this card due to all the extra insurance it adds.

[netcbc]

I've noticed the points come up as "member points" online, so you have to transfer these to Aeroplan points?

[tkyoshi]

I've noticed the points come up as "member points" online, so you have to transfer these to Aeroplan points?

If that is what you would like to redeem it for, then yes.

[angel_wing0]

I did not know if you cancel the card yourself, it affects your credit score. Is that true?

yes, but that really depends. If your card is young, cancelling it might actually increase your score as it increase the average age of your credit cards.

[CanuckFlyHigh]

I was approved, and received my $70 from GCR 1 day later!

[najibs]

yes, but that really depends. If your card is young, cancelling it might actually increase your score as it increase the average age of your credit cards.

Very rarely does that happen. This is because canceling will increase your ratio of debt to available credit, plus you've already taken the credit hit to your score by signing up for the card in the first place.

[angel_wing0]

I was approved, and received my $70 from GCR 1 day later!

1 day later...lucky u.

[xsf]

Does anyone know if there's a no annual fee business card that you can switch over to before the first year ends?

[angel_wing0]

Does anyone know if there's a no annual fee business card that you can switch over to before the first year ends?


there is one, but u cannot switch since it's a credit card not a charge card.

[tkyoshi]

Very rarely does that happen. This is because canceling will increase your ratio of debt to available credit, plus you've already taken the credit hit to your score by signing up for the card in the first place.

Yes but in this case it doesn't matter. There is no Debt to Credit ratio.

It's a charge card and therefore there is no credit limit shown on your credit report. It only reports the Current Balance and High Balance. The type is called an "open" card, so as to not negatively impact your credit score by making it look like you're maxed out all the time. Previously there was a huge debate in the US because charge cards were not reported as "Open/Flex Spend", and therefore it was hurting credit scores because it looks like you are 100% maxed all the time. With open/flexible spend this problem was corrected.

[M-e-X-x]

Got my bonus points instantly after I spent the 1k :) Woot!

[HotDeal]

Any suggestions how best to use 26-27k in points. I have never used Aeroplan before. It does not look like it is easy to get a flight for 25 k in Aeroplan points.

[angel_wing0]

Any suggestions how best to use 26-27k in points. I have never used Aeroplan before. It does not look like it is easy to get a flight for 25 k in Aeroplan points.

well i was told yyz to yvr is 25k...and u'll have to pay the taxes.

[ssiwani]

well i was told yyz to yvr is 25k...and u'll have to pay the taxes.

can it be used at any time (cause the dollar value of flights vary by dates) or is it just by the number of miles ?

[tkyoshi]

can it be used at any time (cause the dollar value of flights vary by dates) or is it just by the number of miles ?

25,000 is enought to fly almost anywhere in north america. 25,000 is standard economy. It may include stopovers, it is also based on availability. Check aeroplan.com to see if your dates have any 25,000 flight available

[i6s1]

Any suggestions how best to use 26-27k in points. I have never used Aeroplan before. It does not look like it is easy to get a flight for 25 k in Aeroplan points.

Flights open up for points a year out. So if you want to go somewhere specific, try and plan a year ahead. This will get you the best availability.

[angel_wing0]

Uh oh, rfd effect? The GCR $70 option seems to be gone. :eek:

[flaming homer]

Uh oh, rfd effect? The GCR $70 option seems to be gone. :eek:Yup, 160+ days after the deal was originally posted, RFD effect in full force :D

[angel_wing0]

Yup, 160+ days after the deal was originally posted, RFD effect in full force :D

well hopefully it's only for the short term (probably not). But i can see amex pulling this since so many ppl cancelled after getting the 25k mbsp pts and the $70. RFD is evil indeed :D

[najibs]

well hopefully it's only for the short term (probably not). But i can see amex pulling this since so many ppl cancelled after getting the 25k mbsp pts and the $70. RFD is evil indeed :D

I forsee some hardcore Amex style financial reviews being done on Amex Business GOld cardholders soon :cheesygri

[angel_wing0]

I forsee some hardcore Amex style financial reviews being done on Amex Business GOld cardholders soon :cheesygri

did u ever get this? u are the op but never jumped into the deal :D

[MrDisco]

Uh oh, rfd effect? The GCR $70 option seems to be gone. :eek:

It was pulled by Amex on May 31 as they are looking into promoting their other card(s).

[angel_wing0]

It was pulled by Amex on May 31 as they are looking into promoting their other card(s).

mind posting the link to that announcement pls? The only other amex card there is the airmiles platinum...ugh. So what other cards are they looking to promo...?

[tkyoshi]

mind posting the link to that announcement pls? The only other amex card there is the airmiles platinum...ugh. So what other cards are they looking to promo...?

Maybe they got tired of fake busineses too :lol:

Who knows maybe the Aeroplan card, annual fee, no first year free. I remember I used to get mailings for that card.

[angel_wing0]

It was pulled by Amex on May 31 as they are looking into promoting their other card(s).

According to the link posted on the op, still 25k welcome pts and first year free...so...hmmm?

https://www212.americanexpress.com/dsmlive/dsm/int/ca/en/smallbusiness/ourcards/allcards/americanexpress%C2%AEbusinessgoldrewardscard/allthedetails_pr.do?vgnextoid=34113b7b7fbd9110VgnV CM200000d0faad94RCRD&EAID=CAqD7bLWUPI-VyvyBm.LW4Fz9LDJDz1dkA

[MrDisco]

mind posting the link to that announcement pls? The only other amex card there is the airmiles platinum...ugh. So what other cards are they looking to promo...?

According to the link posted on the op, still 25k welcome pts and first year free...so...hmmm?

I'm talking about the $70 GCR promo.

[angel_wing0]

I'm talking about the $70 GCR promo.

I see, i guess we will see what amex will promo next on GCR.

[emocean]

Got the card and points a few months back, how do I move to my Aeroplan account?

::

[najibs]

did u ever get this? u are the op but never jumped into the deal :D

Nope. I never jumped into the deal. Go figure.

[flito ray]

how long does it take to get gcr? I sign up for the card and receive it but haven't got my $70 yet??

[Chew300ZX]

I forsee some hardcore Amex style financial reviews being done on Amex Business GOld cardholders soon :cheesygri

And what does that entail?

[angel_wing0]

Nope. I never jumped into the deal. Go figure.

well u'll only lose $70 for now, its ok :D

[HowEver]

how long does it take to get gcr? I sign up for the card and receive it but haven't got my $70 yet??

Why would you ask here? Ask them.

(They process cheques quarterly, so could be a day, could be months. Log in to your account there and make sure it shows up there!)

I mean, really.

[MrDisco]

how long does it take to get gcr? I sign up for the card and receive it but haven't got my $70 yet??

it can take a couple of weeks. email GCR about it - you'll need to provide them with your name, last 4 digits of your card, date you signed up, date you received your card, and the amex reference # for the application (call amex to get this if you don't have it).

[angel_wing0]

(Log in to your account there and make sure it shows up there!)



i think thats what he is trying to do.

[HowEver]

i think thats what he is trying to do.

How on earth can you tell? All he asked was when he would get his $70.

[angel_wing0]

How on earth can you tell? All he asked was when he would get his $70.

because it needs to appear on there before u can actaully get the money. Just wait for fim to confirm :razz: ..if he does.

[brunes]

It looks like the link is removed from GCR now.

On a positive note though they have a $40 sign up rebate for the SPG card, which is no fee! And we already know it is a great card.

Maybe deserves its own thread.

[angel_wing0]

It looks like the link is removed from GCR now.

On a positive note though they have a $40 sign up rebate for the SPG card, which is no fee! And we already know it is a great card.

Maybe deserves its own thread.

the SPG has been there for a long time...but for some reason it's "special" :lol:

[zickvon]

I applied for my wife without using the rebate site, then saw people mentioned it here. So I have her call them and canceled the application and applied again through the rebate site.
After a month, nothing happened. So we called again, and the CSR said they could only process the first application if we still want to apply. Well, I guess there is no way we could get that $70. But still better than nothing.

[jamescl]

sweet - got my card, my 25k+ pts and my rebate! great deal

[Lord Denning]

I missed the "welcome card" to explain the details of the card.

Anyone else get this call and what was the spiel?

[ricedion]

the link from GCR is no longer availabe, but you can still apply the card using the link from post#1

[Chew300ZX]

It looks like the link is removed from GCR now.

On a positive note though they have a $40 sign up rebate for the SPG card, which is no fee! And we already know it is a great card.

Maybe deserves its own thread.

Yup, it's been on the go for a little while now, but boy are they ever slow at getting cards out. I applied for the card about a month and a half ago, and got my $40 from GCR a week or two ago and still no card! Called them about 10 days ago to inquire and all they said was it was approved and they are backed up but it should be getting sent soon.

I've also been thinking about getting the SDM mastercard, but I figure eventually it will be a cashback option on GCR since most of the other MBNA cards are or have been...

[angel_wing0]

most of the cc on gcr is mbna...visa/mc should put more cards on there.

[Bullseye]

Applied about 10 days ago, got the card today. I have a real business, but they never asked about it, never spoke to anyone (except to activate).

[angel_wing0]

Applied about 10 days ago, got the card today. I have a real business, but they never asked about it, never spoke to anyone (except to activate).

Yeah it seems like they dont really care for some reason :D

[tckr]

I'm a little confused.
I applied, got the card, no problems.
Then, I thought, I might as well, have my spouse apply, slightly different business name (it is a registered business), got the card.
I was hoping each of us could earn the 25,000 points, but it put both of us under one account, so no go.
Did I miss something?
Did anyone else do this with 2 different accounts?

[fatal]

I already got this card and got the 25,000 points...

I'm buying a laptop, i'm wondering what is better, should I use this Amex or the Td Infinite? Which would get more travel for my buck?

[flito ray]

spg card is not that good you only get $40 when you use the card for the first time.

[Chew300ZX]

spg card is not that good you only get $40 when you use the card for the first time.

I don't follow your logic. No annual fee + $40 back from GCR + 5000 Starwood Ponts on first purchase = Great value to me. What other card gets anything comparable, let alone better?

[angel_wing0]

spg card is not that good you only get $40 when you use the card for the first time.

it's a ymmv thing, if u travel alot its a VERY good card, especially with the bonus pts at 10k/20k/30k spending.

[najibs]

spg card is not that good you only get $40 when you use the card for the first time.

http://www.terminally-incoherent.com/img/facepalm.jpeg

[Drew_W]

spg card is not that good you only get $40 when you use the card for the first time.

$40 > $0. Works for me.

[angel_wing0]

http://www.terminally-incoherent.com/img/facepalm.jpeg

:lol: double facepalm is better man :D

[tabrisfreewill]

I'm trying to apply for this card but at the end when I submit my application, it gives me a page saying "unable to finalize application" and tells me to call their customer service with the reference number.

Did anyone run into this problem?

[craymail]

I'm trying to apply for this card but at the end when I submit my application, it gives me a page saying "unable to finalize application" and tells me to call their customer service with the reference number.

Did anyone run into this problem?
Same, any ideas?

[angel_wing0]

I'm trying to apply for this card but at the end when I submit my application, it gives me a page saying "unable to finalize application" and tells me to call their customer service with the reference number.

Did anyone run into this problem?

Same, any ideas?

just call and find out~

i m at $710 end of first month...

[rain]

I'm trying to apply for this card but at the end when I submit my application, it gives me a page saying "unable to finalize application" and tells me to call their customer service with the reference number.

Did anyone run into this problem?

Just call them. Otherwise they'll have to call you anyhow. They need to verify some personal information to make sure you're really the person who you say you are.

[tabrisfreewill]

just call and find out~

i m at $710 end of first month...

heh..i would call right away if this is for an ordinary cc. however, i dont have a business, are they asking me to call to verify this with me?

[HowEver]

heh..i would call right away if this is for an ordinary cc. however, i dont have a business, are they asking me to call to verify this with me?

Anyone can have a business. It doesn't have to registered, you don't have to print business cards, you don't have to have a store. Call it anything you want. It's legal. One day you may bet a business license, or incorporate, or sell things out of a van. Right now, you're just a person with an unregistered business name.

Does that help?

[angel_wing0]

heh..i would call right away if this is for an ordinary cc. however, i dont have a business, are they asking me to call to verify this with me?

yeah, and they will call u to ask u questions on your credit report...what address u live in, blah blah blah.

[cashinstinct]

Warning: it might not be EASY, but you can get the bonus many times

Me, a relative and other people were able to get MULTIPLE cards (2 or 3, depending on how) and get the 25,000 BONUS each time!

Tips:
1) Name the business really different (no similar word at all) so that it does not raise suspicision)

2) If your application is refused, call up and tell them you have 2 different businesses and you want to split the expenses between the two (for tax reasons, just spill out any reason).

One person was accepted without any question, another had to justify that he had two different businesses.

Usual warning: effect on your credit report, have to spend $1,000 for each card, blabla

Good luck

[angel_wing0]

Warning: it might not be EASY, but you can get the bonus many times

Me, a relative and other people were able to get MULTIPLE cards (2 or 3, depending on how) and get the 25,000 BONUS each time!

Tips:
1) Name the business really different (no similar word at all) so that it does not raise suspicision)

2) If your application is refused, call up and tell them you have 2 different businesses and you want to split the expenses between the two (for tax reasons, just spill out any reason).

One person was accepted without any question, another had to justify that he had two different businesses.

Usual warning: effect on your credit report, have to spend $1,000 for each card, blabla

Good luck


talk about abuse, but great idea :lol:

[sexpuppet6000]

OK - So I've spend my $1000 dollars and have 26,xxx points showing in my American Express account. My question is: since I don't plan on keeping this card for much longer, how do I transfer these points into my Aeroplan account?

Also, I signed up through Great Canadian Rebate and requested my 70$ cheque to be sent to be as getting it through paypal required too much waiting. Is GCR a scam or have you guys received your 70$ referral cheque?

[HowEver]

Also, I signed up through Great Canadian Rebate and requested my 70$ cheque to be sent to be as getting it through paypal required too much waiting. Is GCR a scam or have you guys received your 70$ referral cheque?

Most definitely not a scam. Received, but after a few months. I think they're sent quarterly. Plus a Dell purchase rebate.

[slowtyper]

Does this card have any good travel benefits?

I'm booking a flight (domestic) and wondering if I should use this or the usual 1% cashback card which I would prefer, but I don't think has much benefits (MBNA smart cash)

[MrDisco]

how do I transfer these points into my Aeroplan account?

login to your Amex account. There is a link under the member services to transfer points. Or call them.

Is GCR a scam or have you guys received your 70$ referral cheque?

it is certaintly legit. You need to give them a few weeks to payout as they are dependent on the merchant to send them the confirmed referrals. If in doubt email gcr and they will take care of you

[sexpuppet6000]

Ok thanks all. I've transferred the points into my Aeroplan account. Unfortunately, since you have to transfer a min. of 1000 points, and in increments of 100, I had to leave a lone 7 points behind. :(

Anyways. Best of luck with everyone else trying to get on this deal!





Edit:

How long did you guys wait before you canceled this card?

[slowtyper]

Ok thanks all. I've transferred the points into my Aeroplan account. Unfortunately, since you have to transfer a min. of 1000 points, and in increments of 100, I had to leave a lone 7 points behind. :(

Anyways. Best of luck with everyone else trying to get on this deal!





Edit:

How long did you guys wait before you canceled this card?


Why not keep it around until the year is up?

[hardywang]

Does anyone sign up thru GCR recently? Please help with a working link, Thanks!

[Fragle]

Sweet, just transferred the amex points to aeroplan !

Now to cancel my card, lol

[angel_wing0]

Does anyone sign up thru GCB recently? Please help with a working link, Thanks!
u mean GCR? the $70 promo is gone already.

[hardywang]

u mean GCR? the $70 promo is gone already.

I see. Thanks anyway.

[Punira]

Why not keep it around until the year is up?

That's what I am doing as well, waiting until next march to transfer all the points accumulated.

[angel_wing0]

Why not keep it around until the year is up?

thats what i m doing as well, thou i probably wont be using it :D

[sexpuppet6000]

Received my rebate cheque today :D

[angel_wing0]

Received my rebate cheque today :D
did u request that for the july 15th payment? i havent got mine yet...

[poop_on_you]

Haha, you guys are really abusing this.

I actually have a corporation, but I don't know if I should put my personal expenses on the corporate account since it could cause problems later if I get audited.

[sexpuppet6000]

did u request that for the july 15th payment? i havent got mine yet...

I have no idea. I know that it took a long time. Be patient my friend, free rewards come to those who wait. :D

[reddeals]

Received my rebate cheque today :D

Received mine too, that's fast than I expected.

[angel_wing0]

I have no idea. I know that it took a long time. Be patient my friend, free rewards come to those who wait. :D

well thats all i can do anyway...:cry:

[angel_wing0]

Finally got to 1k! now just need to wait for my 25k pts to roll in :D

[poop_on_you]

Do I have to cancel the card right after $1k or can I keep it until next year?
What's the deadline for canceling the card?
I hope there isn't some fine print when I cancel it...

[angel_wing0]

Do I have to cancel the card right after $1k or can I keep it until next year?
What's the deadline for canceling the card?
I hope there isn't some fine print when I cancel it...

you can keep until your anniversary date before u get decked the annual fee.

your anniversary date...call amex and ask what yours is.

[Tilter]

Why is this deal expired? The link still takes me to the Gold AMEX card with 25K bonus points.

[angel_wing0]

Why is this deal expired? The link still takes me to the Gold AMEX card with 25K bonus points.

strange...the GCR deal for this is expired, but certainly not the amex deal itself. Will report to mods.

[M-e-X-x]

Got my rebate in the mail today. Woot!

[angel_wing0]

Finally got to 1k! now just need to wait for my 25k pts to roll in :D

Got my 25k pts! :D

[drey]

how is this expired? deal still available :confused:

[angel_wing0]

how is this expired? deal still available :confused:

i would like to know as well as i already reported to the mods, oh well...

[flito ray]

i would wait til last minute to transfer to aeroplan since those points have an expiry. prolong the expiry as long as possible is probably best.

[Pseudo Nim]

i would wait til last minute to transfer to aeroplan since those points have an expiry. prolong the expiry as long as possible is probably best.

Right, since AMEX points do not expire (then again, chances are you will cancel your card before the 1 year of free service is up - so better do it sooner than later).

[cutesnoopydoll]

Anybody cancel their AMEX Card yet after you got your 25K bonus Aeroplan miles? Any trouble of cancelling the card?

[crazyp]

Anybody cancel their AMEX Card yet after you got your 25K bonus Aeroplan miles? Any trouble of cancelling the card?

I canceled my card last week, did not have any troubles. But they are going to ask you the reason of your cancellation or offer you other cards.

[angel_wing0]

I canceled my card last week, did not have any troubles. But they are going to ask you the reason of your cancellation or offer you other cards.

do they offer u a discount and waive the annual fee altogether? i guess they just went ahead and cancel...

[crazyp]

do they offer u a discount and waive the annual fee altogether? i guess they just went ahead and cancel...

Actually, I thought they were going to offer me a discount or waive the annual fee, but instead they offer me another card. I wasn't interested in keeping that card, so I didn't push. My objective was to get the 70$ from GCR, 25K pts and cancel it after hehe

[M-e-X-x]

Actually, I thought they were going to offer me a discount or waive the annual fee, but instead they offer me another card. I wasn't interested in keeping that card, so I didn't push. My objective was to get the 70$ from GCR, 25K pts and cancel it after hehe

Which card did they offer you?

[crazyp]

Which card did they offer you?

The AMERICAN EXPRESS® AIR MILES®* PLATINUM CREDIT CARD for free:

https://www212.americanexpress.com/dsmlive/dsm/int/ca/en/personal/ourcards/allcards/airmilesplatinumcreditcard_cm.do?vgnextoid=3e791bf 88bad4110VgnVCM100000cef4ad94RCRD

[cybo]

No problems canceling today, the call took all of 1 minute. While they asked why I wanted to cancel, no effort was made to offer me any incentives to stay with them, which is what I expected considering I only spent the required $1000 for the bonus on this card. :D

[brunes]

The AMERICAN EXPRESS® AIR MILES®* PLATINUM CREDIT CARD for free:

https://www212.americanexpress.com/dsmlive/dsm/int/ca/en/personal/ourcards/allcards/airmilesplatinumcreditcard_cm.do?vgnextoid=3e791bf 88bad4110VgnVCM100000cef4ad94RCRD

WOW that is actually a very nice card to get for free. It actually makes collecting AM worthwhile.

For example - fill up your car with 20L at shell. Assuming it is $1 / litre, you will get 1 AM from Shell and 2 from Amex, making 3 AM for $20. Since the assumed rate of an AM is around 40 cents, that is a return of $1.20 / 20, or 6%. And you would see simmilar rates of return at other Airmiles sponsors.

Plus it has free supplimentary cards.

Is it free forever or just the first year again? I would love to be offered that when I cancel mine.

[angel_wing0]

Actually, I thought they were going to offer me a discount or waive the annual fee, but instead they offer me another card. I wasn't interested in keeping that card, so I didn't push. My objective was to get the 70$ from GCR, 25K pts and cancel it after hehe

The AMERICAN EXPRESS® AIR MILES®* PLATINUM CREDIT CARD for free:

https://www212.americanexpress.com/dsmlive/dsm/int/ca/en/personal/ourcards/allcards/airmilesplatinumcreditcard_cm.do?vgnextoid=3e791bf 88bad4110VgnVCM100000cef4ad94RCRD

its a good card, but not good enough for me to stay. If it's an aeroplan miles card, thats another story :D

[digger1]

WOW that is actually a very nice card to get for free. It actually makes collecting AM worthwhile.

For example - fill up your car with 20L at shell. Assuming it is $1 / litre, you will get 1 AM from Shell and 2 from Amex, making 3 AM for $20. Since the assumed rate of an AM is around 40 cents, that is a return of $1.20 / 20, or 6%. And you would see simmilar rates of return at other Airmiles sponsors.

Plus it has free supplimentary cards.

Is it free forever or just the first year again? I would love to be offered that when I cancel mine.

It looks like it's $50/year - not free

Key Features
Take advantage of the benefits
$50 Annual fee
Earn 1 reward mile for every $10 in purchases you charge to the Card at AIR MILES Sponsors.1
Earn 1 reward mile for every $15 in Card purchases everywhere else you use the Card.1
Earn 350 Bonus AIR MILES reward miles the first time you use the Card, when you apply online by September 30, 2009.2
Receive free Supplementary Cards

[scoop]

It looks like it's $50/year - not free

Key Features
Take advantage of the benefits
$50 Annual fee
Earn 1 reward mile for every $10 in purchases you charge to the Card at AIR MILES Sponsors.1
Earn 1 reward mile for every $15 in Card purchases everywhere else you use the Card.1
Earn 350 Bonus AIR MILES reward miles the first time you use the Card, when you apply online by September 30, 2009.2
Receive free Supplementary Cards
...
The AMERICAN EXPRESS® AIR MILES®* PLATINUM CREDIT CARD for free:

https://www212.americanexpress.com/dsmlive/dsm/int/ca/en/personal/ourcards/allcards/airmilesplatinumcreditcard_cm.do?vgnextoid=3e791bf 88bad4110VgnVCM100000cef4ad94RCRD

[locodawg]

I also applied for this card about 9 months ago ...

I also have the Aeroplan Gold card ... I tried to cancel it last year, but they offered me 15k in points + a $50 GC to BR to stay .... so I ended up staying (just the 15k in points makes it worth it)

Plus I also just got a random GC for $10 for Roots ... yea not much but nice to see Amex actual giving me something for really no reason.

fyi ... the Amex Aeroplan gold is $120 a year + 2 free Supplementary Cards which is not bad

[digger1]

...

Following your link when you click on <apply for this card> you will see $50 Annual fee

[scoop]

Following your link when you click on <apply for this card> you will see $50 Annual fee

you miss the point. We all know the card has an annual fee, but the poster in question said he had it offered to him for free - no annual fee.

[cko64]

...but they offered me 15k in points + a $50 GC to BR to stay ....
What is BR?

[HowEver]

What is BR?

Banana Republic?

Boots and Rubbers?

Batman and Robin?

Bottles and Rockets?

[Tilter]

I also applied for this card about 9 months ago ...

I also have the Aeroplan Gold card ... I tried to cancel it last year, but they offered me 15k in points + a $50 GC to BR to stay .... so I ended up staying (just the 15k in points makes it worth it)

Plus I also just got a random GC for $10 for Roots ... yea not much but nice to see Amex actual giving me something for really no reason.

fyi ... the Amex Aeroplan gold is $120 a year + 2 free Supplementary Cards which is not bad

I hope I get this offer when I want to cancel it. the 15K Aeroplans more than cover the $120 fee.

[brunes]

its a good card, but not good enough for me to stay. If it's an aeroplan miles card, thats another story :D

The Airmiles card actually has a higher rate of return that the Aeroplan card, due to the bonus miles when you purchase at other Airmiles sponsors.

[angel_wing0]

The Airmiles card actually has a higher rate of return that the Aeroplan card, due to the bonus miles when you purchase at other Airmiles sponsors.

the only one that i ever go to is lcbo...or sometimes sportschek, oh well.

BUT, it never hurts to have an annual fee card for free.

[hawk99]

Ok thanks all. I've transferred the points into my Aeroplan account. Unfortunately, since you have to transfer a min. of 1000 points, and in increments of 100, I had to leave a lone 7 points behind. :(

Anyways. Best of luck with everyone else trying to get on this deal!





Edit:

How long did you guys wait before you canceled this card?

Doesn't it affect your credit record if you cancel credit cards?

[angel_wing0]

Doesn't it affect your credit record if you cancel credit cards?

yes, but its better than paying $120 for a card u are not going to use.

[deal_king]

I also have the Aeroplan Gold card ... I tried to cancel it last year, but they offered me 15k in points + a $50 GC to BR to stay .... so I ended up staying (just the 15k in points makes it worth it)

Plus I also just got a random GC for $10 for Roots ... yea not much but nice to see Amex actual giving me something for really no reason.


Can someone PLEASE clarify what BR stands for??? When you mention Aeroplan Gold, do you really mean the card that is the subject of this thread?

How much did you spend on the card before you tried to cancel? (This will give us an idea of why they offered you this.) At what time period did you try to cancel the card? (i.e. was it in the 12th month?) Did they also waive the annual fee in their offer?

[poop_on_you]

Just so you guys know, you don't actually have to make $1000 in purchases. I bought a TV on this card then realized there was no extended warranty so I refunded it and paid with a different card. They gave me the 25,000 bonus already(but the bonus points from the tv purchase was taken away with the fund).

[tkyoshi]

Just so you guys know, you don't actually have to make $1000 in purchases. I bought a TV on this card then realized there was no extended warranty so I refunded it and paid with a different card. They gave me the 25,000 bonus already(but the bonus points from the tv purchase was taken away with the fund).

Yeah, but it's basically cause it's automated. But you can bet if lots of people start abusing it they will start manually audit and remove points or possibly bill you for the points. As long as there is no mass scamming they probably won't manually remove it.

But for now enjoy your points ;)

[fightbriz]

Just a couple questions:

I know this thread was started in Dec 2008 so.....

1. Is the link in the original post still good for signing up?
2. How much is 25k aeroplan points worth?
3. Since they are charging $180 annual fee, everyone is just cancelling the card after 11 months or whatever?

[poop_on_you]

Yeah, but it's basically cause it's automated. But you can bet if lots of people start abusing it they will start manually audit and remove points or possibly bill you for the points. As long as there is no mass scamming they probably won't manually remove it.

But for now enjoy your points ;)

You mean like how people who didn't have a business applied for this? ;)

I actually have a business and registered it with my business name. The TV was also for business purposes of course. :D

[tkyoshi]

You mean like how people who didn't have a business applied for this? ;)

I actually have a business and registered it with my business name. The TV was also for business purposes of course. :D

Hahaha I will give you that one :cheesygri

[KurwaMasz]

I have a -24,500 points balance, i guess they gave me 2 bonuses by accident and now they want the points back. what should i do? if i cancel im screwed? do i have to pay this back, it was on error on amex's part not mine, im confused, dont know what to do.

[Tilter]

I have a -24,500 points balance, i guess they gave me 2 bonuses by accident and now they want the points back. what should i do? if i cancel im screwed? do i have to pay this back, it was on error on amex's part not mine, im confused, dont know what to do.
I guess if they can't reverse it, you've got yourself a free 24,500 poitns. And any more points you earn, will go towards the negative point balance.

How are you screwd if you cancel?

[coopercold]

I have a -24,500 points balance, i guess they gave me 2 bonuses by accident and now they want the points back. what should i do? if i cancel im screwed? do i have to pay this back, it was on error on amex's part not mine, im confused, dont know what to do.

You should call them right away. Otherwise, they will charge you for the points.

[deal_king]

I have a -24,500 points balance, i guess they gave me 2 bonuses by accident and now they want the points back. what should i do? if i cancel im screwed? do i have to pay this back, it was on error on amex's part not mine, im confused, dont know what to do.

Well your points have already used up on flights anyways if you are in the negative.

I think you're worried that they will come after you for the points or charge your actual account the value of the points, right? If so, then maybe the best thing to do is call them up, say that you didn't realize there was a mistake, but the points have already been used----and you don't see why you should have to pay for an honest mistake caused by Amex.

Amex should be pretty good with these things- if it was any other company I'd just tell you to cancel your card before the end of the 12 months.

[emmpeethree]

Just a couple questions:

I know this thread was started in Dec 2008 so.....

1. Is the link in the original post still good for signing up? YES
2. How much is 25k aeroplan points worth? a flight anywhere in north america (+ taxes) or about $200 in gift certificates
3. Since they are charging $180 annual fee, everyone is just cancelling the card after 11 months or whatever? that's up to you, but probably what most people are doing. however, people who are trying to cancel are getting offered bonus deals which are too good to turn down.

[figi28]

3. Since they are charging $180 annual fee, everyone is just cancelling the card after 11 months or whatever? that's up to you, but probably what most people are doing. however, people who are trying to cancel are getting offered bonus deals which are too good to turn down

What kind of bonus deals??

[thomsonst780]

What kind of bonus deals??

one's that you thought could never ever be true...but actually are!

A unicorn with your name on the saddle that flies and poops magical marshmallows.

http://lafinjack.net/images/random/unicorn_poop.gif

[locodawg]

Can someone PLEASE clarify what BR stands for??? When you mention Aeroplan Gold, do you really mean the card that is the subject of this thread?

How much did you spend on the card before you tried to cancel? (This will give us an idea of why they offered you this.) At what time period did you try to cancel the card? (i.e. was it in the 12th month?) Did they also waive the annual fee in their offer?

BR = Banana Republic

hmm I spent maybe 15k-20k, I paid my school fees with the CC which helped

nope didnt wave the Fee ... I cancelled after having the card for a year ... now dont forget this is the Amex Aero Gold I am talking about paid the fee the first year but i also got 25k in points then

[ber0]

I have a -24,500 points balance, i guess they gave me 2 bonuses by accident and now they want the points back. what should i do? if i cancel im screwed? do i have to pay this back, it was on error on amex's part not mine, im confused, dont know what to do.

Same thing happened to me (I was -23650 points)! After that, all the new points that I was getting were just getting me closer to the 0. So since that didn't make sense, I called them and had my card cancelled. I had No problem at all in cancelling (they didn't mention anything about the negative balance) but they tried convincing me about keeping the card but I told them that I will be using my personal 2% CB Amex and they were happy.

So if you want to cancel ur card, you should not have any problem.

[deal_king]

BR = Banana Republic

hmm I spent maybe 15k-20k, I paid my school fees with the CC which helped

nope didnt wave the Fee ... I cancelled after having the card for a year ... now dont forget this is the Amex Aero Gold I am talking about paid the fee the first year but i also got 25k in points then


Guys- he spent $20K on his card. THAT is why he got offered the 15K points +$50 gift card so he wouldn't cancel. If you just spent your $1000 and cancelled after 11 months, they will not offer you anything.

[locodawg]

Guys- he spent $20K on his card. THAT is why he got offered the 15K points +$50 gift card so he wouldn't cancel. If you just spent your $1000 and cancelled after 11 months, they will not offer you anything.

well you asked .... I know ppl pay rent on their cards so hittin 20k is not a problem ...

I paid over 10k in school fees and work expenses which i was paid back for ...

[emmpeethree]

well you asked .... I know ppl pay rent on their cards so hittin 20k is not a problem ...
...

where do your friends live? a hotel?

[dinesh_zee]

where do your friends live? a hotel?

lol

I can't pay either rent or tuition using a CC

[locodawg]

where do your friends live? a hotel?

funny HAHA

they rent a condo at yonge and eglinton ...

so i got lucky I can pay for school with a card big deal

[dinesh_zee]

funny HAHA

they rent a condo at yonge and eglinton ...

so i got lucky I can pay for school with a card big deal

it is a big deal! my 1st yr fees was like $18,000... short-haul flight!

[locodawg]

it is a big deal! my 1st yr fees was like $18,000... short-haul flight!

K maybe I should have been a little more clear ... my uni did not take a credit card, would have been nice to put that on a points credit card ... but when I entered the CMA program they did

so does the CA program, so does CGA and I am sure if you are going to do distance education they will take it too

also alot of people need to make purchases for work which they are later reimbursed for

[nfuz]

Does this card have the extra 1 year warranty for big purchases like a TV??

[tng11]

Did anyone get a second bonus (presumably from a bug in their system?)

I emptied my MR points account and transferred 30,000 points to Aeroplan in June, leaving less than 100 points in the account. I used the card for another $1,000 purchase last week, and I got another 25,000 bonus! (My balance is now 26,000 points) The system must have thought I was a new user starting out again as the MR points were empty and reaching $1,000 spending again got me another 25K points. Checking the account history, it says "Welcome Bonus" even though I got the card last January and already got the bonus.

What should I do? Just leave the points in the account and hope they don't notice?

[coopercold]

What should I do? Just leave the points in the account and hope they don't notice?

Don't you worry -- they'll be removing those points within a week.

[CanuckFlyHigh]

Has anyone canceled, and signed up a new business?? Did you get 25,000 new MR points?

[fl4wless]

Has anyone canceled, and signed up a new business?? Did you get 25,000 new MR points?

Would like to know this as well, cancelled my original card last week.. would probably sign up again if it works haha.

[angel_wing0]

What should I do? Just leave the points in the account and hope they don't notice?

i think they will know eventually as well...just leave the pts be.

[Scotian Lotion]

I have an Amex Aeroplan Gold card... can I change that into a Business Gold card, even though I don't own a business? (nor am I the treasurer, president or ceo of one)

[slowtyper]

funny HAHA

they rent a condo at yonge and eglinton ...

so i got lucky I can pay for school with a card big deal

Wow, the landlord accepts credit card payments? Very generous landlord!

I wish my landlord took credit...haha

[Arrgh]

Guys- he spent $20K on his card. THAT is why he got offered the 15K points +$50 gift card so he wouldn't cancel. If you just spent your $1000 and cancelled after 11 months, they will not offer you anything.

Is this what people who've spent >$20K, are being offered if you want to cancel the card? This really means 15K points and still have to pay $180 - 50= $130.

[brunes]

FYI - if you took advantage of this deal and have not yet already transferred your points to Aeroplan, Delta is having an offer right now where you get 20% bonus Delta Skymiles if you transfer to them from Amex

https://www.delta.com/marketing/readysetrelax0809/index.jsp?MkCpgn=EM090910SMSTDOMESTIM10-A-J-A

PS: I think you have to register for the promo via that link for it to take effect

[Arrgh]

FYI - if you took advantage of this deal and have not yet already transferred your points to Aeroplan, Delta is having an offer right now where you get 20% bonus Delta Skymiles if you transfer to them from Amex

https://www.delta.com/marketing/readysetrelax0809/index.jsp?MkCpgn=EM090910SMSTDOMESTIM10-A-J-A

PS: I think you have to register for the promo via that link for it to take effect

Note one of the conditions in doing this transfer:
For each conversion of points into the Frequent Flyer program of a U.S. airline, a fee of $0.0005 per point, with a maximum fee of $75, will be charged to your Card account. American Express charges this fee to offset the federal excise tax on such conversions. The fee may be more or less than the actual amount of the excise tax American Express pays on any individual conversion. American Express may offer you the option to redeem points to pay this fee.


Also I tried to find the Delta's flight award chart. It wasn't obvious, and took a while to find it in the Delta site. The chart shows redemption points for low, medium and high, but no explanation of what they mean. Couldn't find the explanation easily. Anyone know what they mean?

[najibs]

FYI, right now Amex is offering transfers of MR points into SPG at a 2:1 basis, up from the regular 3:1.

Meaning that previously, 1k MR points would get you 333 Starpoints, but with the current promo 1k MR points gets you 500 starpoints. Not a bad deal IMO. I found this on a US based message board, but I'll assume that MR points being MR points, it would count for any Amex that accumulates MR.

[tkyoshi]

FYI, right now Amex is offering transfers of MR points into SPG at a 2:1 basis, up from the regular 3:1.

Meaning that previously, 1k MR points would get you 333 Starpoints, but with the current promo 1k MR points gets you 500 starpoints. Not a bad deal IMO. I found this on a US based message board, but I'll assume that MR points being MR points, it would count for any Amex that accumulates MR.

Unfortunately not, MR in other countries is "adjusted" for currency.
Sans Aeroplan, MR to SPG in Canada is actually 1,000 MR --> 230 Starpoints.

Doesn't appear to be any promotion running in Canada either at this time.

[angel_wing0]

just received my cheque from GCR, najibs rule :D

[redkid]

awesome, i needed an amex to use @costco
applied for it but couldn't wait to do my biweekly shopping there :(

anyways, i felt creative with my new business name 2 bad it doesn't exist (yet) but hey for 25k points i'll fly somewhere and maybe even open it !

[RoninTech]

Thanks everyone for another great tip. Ordered the card about 3 weeks ago. Got it, bought a set of winter tires @ Costco, some groceries and filled up the vehicles and we've got 25,000 free Aeroplan miles. This allowed us to book a nice little 10 year wedding anniversary trip (http://www.flyertalk.com/forum/12399020-post17.html) for this winter.

Love the Internet!! :cheesygri

[southnam]

I have a costco amex. Can I apply for this?

[sexpuppet6000]

I have a costco amex. Can I apply for this?

Yes.

[angel_wing0]

I have a costco amex. Can I apply for this?

anyone can basically as long as u meet amex requirements.

[The Shopping Lady]

I have a costco amex. Can I apply for this?

Yes.

Will I still get rebate for my Costco purchase?

[angel_wing0]

Will I still get rebate for my Costco purchase?

its 2 separate cards, so of cuz u will.

[callmethecat]

Gold Card is back on GCR.ca, only $65.00 back now, was $70

[angel_wing0]

Gold Card is back on GCR.ca, only $65.00 back now, was $70

cool, at least it's back on there...it's only $5 less anyway.

[robman_rob]

can two people sign up and get 50k ? lol

aka wife / husband

[cko64]

can two people sign up and get 50k ? lol

aka wife / husband
Why not? My wife and I both received $70X2 from GCR and 25,000x2 AMEX Points.

[angel_wing0]

can two people sign up and get 50k ? lol

aka wife / husband

of cuz.

[Cheap-ass123]

so is everybody here just signing up to get the points/miles and call in to have it cancel before the years ends?

[dinesh_zee]

so is everybody here just signing up to get the points/miles and call in to have it cancel before the years ends?

... unless they can waive 2nd yr annual fees too :D

[Moe_Mentum]

to get the points its $3000/3mth was it not $1000 total before to receive the 25000 pts?

[angel_wing0]

to get the points its $3000/3mth was it not $1000 total before to receive the 25000 pts?

u need to spend $1000 TOTAL in 3 months. Not $1000 EACH MONTH for 3 months.

[AcidBomber]

So wait, I read some pages... but just to confirm:


- sign up through GCR.ca and get $65 back just for getting the card.
- no annual fee for first year
- spend $1000 in total within the first 3 months to get 25,000 aeroplan miles
- transfer miles from card over to aeroplan
- then cancel card no questions asked within the first year...? :confused:


thanks

[angel_wing0]

So wait, I read some pages... but just to confirm:


- sign up through GCR.ca and get $65 back just for getting the card.
- no annual fee for first year
- spend $1000 in total within the first 3 months to get 25,000 aeroplan miles
- transfer miles from card over to aeroplan
- then cancel card no questions asked within the first year...? :confused:


thanks

yes. Just a minor correction, it's 26k miles. 25k bonus + 1000 miles from the $1000 spent.

[AcidBomber]

yes. Just a minor correction, it's 26k miles. 25k bonus + 1000 miles from the $1000 spent.


Oh i see. thanks!

how long did it take from sign up until receiving the card?

and does the bonus points show up right away after 3 months?

[bkushner]

keep it for the year, you get front of the line.

[angel_wing0]

Oh i see. thanks!

how long did it take from sign up until receiving the card?

and does the bonus points show up right away after 3 months?

ymmv..should be 1-2 weeks after u are approved.

Right when u pass the $1000 line. (well a day more or less.)

[AcidBomber]

keep it for the year, you get front of the line.


front of the line... for what? :confused:


ymmv..should be 1-2 weeks after u are approved.

Right when u pass the $1000 line. (well a day more or less.)


alright, thanks for the clarification! :)

[Jon Lai]

How much is 25000 points worth in terms of Gift cards and plane tickets?

Edit:
How come on the app form, it says $3000 in 3 months? Recently changed?

American Express® Business Gold Rewards Card

1. To qualify for 25,000 bonus points you must have at least $3,000 in net purchases posted to your account in your first 3 months of Card membership. Account must be in good standing.
2. Each year if, on or before the annual reset date, you reach $50,000 in net purchases charged to your account you will earn 15,000 bonus points and if you reach $100,000 in net purchases you will earn an additional 25,000 points. On the annual reset date, the amount of annual net purchases resets to zero. Account must be in good standing.
3. No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including your credit record, account history, and personal resources. Proof of resources and security may be required.

[angel_wing0]

How much is 25000 points worth in terms of Gift cards and plane tickets?

GC, around $200. So basically spend $1000 and get $265 (or 270 for old gcr) back, which is not bad at all. 20%+ return! Thou of cuz getting flights could give u a even better return.

[angel_wing0]

front of the line... for what? :confused:

Google is your best friend ;)

http://www212.americanexpress.com/dsmlive/dsm/int/ca/en/personal/membershipbenefits/access/frontoftheline/currenteventslisting_pr.do?vgnextoid=b45730fdf88a0 210VgnVCM200000d0faad94RCRD

[dinesh_zee]

So wait, I read some pages... but just to confirm:


- sign up through GCR.ca and get $65 back just for getting the card.
- no annual fee for first year
- spend $1000 in total within the first 3 months to get 25,000 aeroplan miles
- transfer miles from card over to aeroplan
- then cancel card no questions asked within the first year...? :confused:


thanks

GCR rebate is dead I believe...

[Moe_Mentum]

How much is 25000 points worth in terms of Gift cards and plane tickets?

Edit:
How come on the app form, it says $3000 in 3 months? Recently changed?

It must have recently changed. I applied last night and also noticed that it was $3000 within a 3 month period to receive the points. Kind of a deal killer for most. I should be able to pull that off so I don't find it a problem.

[Moe_Mentum]

GCR rebate is dead I believe...

The deal is back.. it used to be $70 but now its $65

[MrDisco]

GCR rebate is dead I believe...

No, it's not. They even a banner running advertising it.

[Moe_Mentum]

Original Thread should be updated as the new Form now says you have to spend $3000 in the first 3 months instead of $1000

[Cheap-ass123]

i don't have an aeroplan account yet

i can just sign up whenever and transfer my miles to my new account right?

is it possible to transfer it to .. like a friend's account? (I assume not..)

one more question about filling the 'business' tab?

Do I Put..

N/A for names, etc, and 0 for number of employee/experiences?

[Jon Lai]

It must have recently changed. I applied last night and also noticed that it was $3000 within a 3 month period to receive the points. Kind of a deal killer for most. I should be able to pull that off so I don't find it a problem.

Yea, but it greatly reduces the expected RoR from 20% to 6.67%. With such a minimal RoR, I'd rather just stick to my Smart Cash earning 5%, since it means I won't have to use my return at Failure Shop or Cadillac Malls.

[angel_wing0]

Edit:
How come on the app form, it says $3000 in 3 months? Recently changed?

ouch i guess they changed it then, 3k is not as good for sure.

[RoninTech]

ouch i guess they changed it then, 3k is not as good for sure.

Damn, just squeaked in there in time...

[Pseudo Nim]

Why is it a deal killer? Disagree. If you're collecting Aeroplan points, then 28,000 points is still a great deal - good luck getting it otherwise. And if you can manage $50k of spending in a year, the return is EXCELLENT - consider that you're getting 25k welcome + 50k for spending + 15k bonus = 90k miles, which is 1.8 miles/$ --- which is higher than ANY other card on the market, even the AMEX Platinum @ $500/year!

[slowtyper]

Anyone ever miss a payment on this sucker? I missed a payment of like 120 bucks because I was on vacation and just forgot about it. Almost immediately they suspended my card, sent me a letter askign me to pay up. They called me to tell me my card was in review and I had to submit pay stubs and past tax info....seriously wtf? I've paid off 15 thousand in charges since I got this card and they do all that so quickly after one payment missed for $120?

I was going to tell them to just f* off and cancel the card but I realized I had overpaid my last bill and I had a negative balance so I'd better not mouth them off or they might give me a hard time getting my money back.

Seriously though....to put it frankly, they are acting like a b****.

[RoninTech]

I agree that its not a deal killer for Aeroplan members. My situation was that I needed another 20,000 miles to book a 10 year anniversary RTW trip. After hearing about this, 3 weeks later I had 26,000 more miles and was able to book our trip. Its easy to spend $1000. Spending $3000 would have been a lot harder in the same short period. I'm tempted to get another card for my wife though. Will just wait for when we are buying a big ticket item so we can easily spend the $3G's.

Cheers,
Paul

[Jon Lai]

Why is it a deal killer? Disagree. If you're collecting Aeroplan points, then 28,000 points is still a great deal - good luck getting it otherwise. And if you can manage $50k of spending in a year, the return is EXCELLENT - consider that you're getting 25k welcome + 50k for spending + 15k bonus = 90k miles, which is 1.8 miles/$ --- which is higher than ANY other card on the market, even the AMEX Platinum @ $500/year!

$50K/yr = $4K/mo. Our family of 4 probably spends around $1500 a month on our CC's. Maybe if Markham accepted property tax on a credit card then it'd be a whole different story...

It's a deal killer because the RoR used to be 26.5% on $1000, within 3 months. Now it's 8.83% RoR on $3000, within 3 months. I can get 5% on my Smart Cash, so it's about the same considering the 3.83% would pay for the inconvenience of having to wait a whole year to get the cashback and the fact that I have to use the money at Failure Shop or Cadillac Malls.

That being said, I might still apply for this after the 6 months promo period for Smart Cash @5% is finished, as 8.83% RoR is still pretty good. However, there's no way I can rig $1000/mo. on the AE at the same time as trying to maximize the Smart Cash with gas/groceries each month. We BARELY spend $1600/mo. and I would hate to make myself spend just to get the 25K points.

BTW, $50K/yr., 90K points equates to around $700 in GCs when redeemed. That's a 1.4% RoR. Not so hot anymore, is it? The only HOT deal about this card was that you could rig up a good RoR with a small principal. Spending anything higher than the $1K/$3K (now) would effectively reduce the RoR.

[angel_wing0]

Why is it a deal killer? Disagree. If you're collecting Aeroplan points, then 28,000 points is still a great deal - good luck getting it otherwise. And if you can manage $50k of spending in a year, the return is EXCELLENT - consider that you're getting 25k welcome + 50k for spending + 15k bonus = 90k miles, which is 1.8 miles/$ --- which is higher than ANY other card on the market, even the AMEX Platinum @ $500/year!

it's a deal killer for some ppl because not everyone can spend $3000 on their cc's in 3 months. I for one certainly can't unless i force myself to buy stuff like no tmr.

[slowtyper]

$50K/yr = $4K/mo. Our family of 4 probably spends around $1500 a month on our CC's. Maybe if Markham accepted property tax on a credit card then it'd be a whole different story...

It's a deal killer because the RoR used to be 26.5% on $1000, within 3 months. Now it's 8.83% RoR on $3000, within 3 months. I can get 5% on my Smart Cash, so it's about the same considering the 3.83% would pay for the inconvenience of having to wait a whole year to get the cashback and the fact that I have to use the money at Failure Shop or Cadillac Malls.

That being said, I might still apply for this after the 6 months promo period for Smart Cash @5% is finished, as 8.83% RoR is still pretty good. However, there's no way I can rig $1000/mo. on the AE at the same time as trying to maximize the Smart Cash with gas/groceries each month. We BARELY spend $1600/mo. and I would hate to make myself spend just to get the 25K points.

BTW, $50K/yr., 90K points equates to around $700 in GCs when redeemed. That's a 1.4% RoR. Not so hot anymore, is it? The only HOT deal about this card was that you could rig up a good RoR with a small principal. Spending anything higher than the $1K/$3K (now) would effectively reduce the RoR.

When you talk about FS gift cards...do you mean going through aeroplan points to get the cards or through a different program? I don't think your ROR is an accurate method of comparing rewards cards because the far greater majority of people in this thread are using their aeroplan points for travelling. 90K aeroplan points is worth far greater than $700 in gift cards. Compare to $1400 in gift cards and the decision is close.

As for those who don't spend very much on their credit cards, if you have the ability you can always stock up on gift cards (costco).

[brunes]

Anyone ever miss a payment on this sucker? I missed a payment of like 120 bucks because I was on vacation and just forgot about it. Almost immediately they suspended my card, sent me a letter askign me to pay up. They called me to tell me my card was in review and I had to submit pay stubs and past tax info....seriously wtf? I've paid off 15 thousand in charges since I got this card and they do all that so quickly after one payment missed for $120?

I was going to tell them to just f* off and cancel the card but I realized I had overpaid my last bill and I had a negative balance so I'd better not mouth them off or they might give me a hard time getting my money back.

Seriously though....to put it frankly, they are acting like a b****.

It is a charge card nt a credit card.... still though that sounds a bit crazy.

[alpha441]

collecting Aeroplan is for travel reward and not merchantise reward. In general 75k pt gets u a eco flight anywhere in the world and 105k pt get u a first class flight anywhere in the world. A eco flight from Toronto to Australlia $1500+, Toronto to any asian country $1000+, u name it. Just spend $3000 then chop the card after. It is definite a benefit for someone who lived in Markham since they can pay their property tax with this card. a whopping 10%+ RoR

$50K/yr = $4K/mo. Our family of 4 probably spends around $1500 a month on our CC's. Maybe if Markham accepted property tax on a credit card then it'd be a whole different story...

It's a deal killer because the RoR used to be 26.5% on $1000, within 3 months. Now it's 8.83% RoR on $3000, within 3 months. I can get 5% on my Smart Cash, so it's about the same considering the 3.83% would pay for the inconvenience of having to wait a whole year to get the cashback and the fact that I have to use the money at Failure Shop or Cadillac Malls.

That being said, I might still apply for this after the 6 months promo period for Smart Cash @5% is finished, as 8.83% RoR is still pretty good. However, there's no way I can rig $1000/mo. on the AE at the same time as trying to maximize the Smart Cash with gas/groceries each month. We BARELY spend $1600/mo. and I would hate to make myself spend just to get the 25K points.

BTW, $50K/yr., 90K points equates to around $700 in GCs when redeemed. That's a 1.4% RoR. Not so hot anymore, is it? The only HOT deal about this card was that you could rig up a good RoR with a small principal. Spending anything higher than the $1K/$3K (now) would effectively reduce the RoR.

[Pseudo Nim]

BTW, $50K/yr., 90K points equates to around $700 in GCs when redeemed. That's a 1.4% RoR. Not so hot anymore, is it? The only HOT deal about this card was that you could rig up a good RoR with a small principal. Spending anything higher than the $1K/$3K (now) would effectively reduce the RoR.

Alpha441 mentioned it (and I _always_ mention that when this discussion comes around), but I must stress that Aeroplan points should NEVER EVER EVER be redeemed for GCs/merchandise. It is completely the wrong usage for them, and the RoR is awful. The _only_ thing they are useful for are air tickets - and that, for locations which are somewhat difficult to get to. By no means should one be redeeming domestic flights, or even European flights on Aeroplan; or even, I would argue, economy flights, though this one is more of a stretch. One should redeem for things like tickets to Tahiti, which are so inordinately expensive normally, but through points can be had for <$300 per ticket. Or round-the-world trips with stopovers, which are now allowed as well (try Montreal - Europe, stopover, then Japan/Singapore/HK/China, stopover, then return to Montreal through Vancouver). In business class all the way. Now that is a hot RoR. :)

[Jon Lai]

Alpha441 mentioned it (and I _always_ mention that when this discussion comes around), but I must stress that Aeroplan points should NEVER EVER EVER be redeemed for GCs/merchandise. It is completely the wrong usage for them, and the RoR is awful. The _only_ thing they are useful for are air tickets - and that, for locations which are somewhat difficult to get to. By no means should one be redeeming domestic flights, or even European flights on Aeroplan; or even, I would argue, economy flights, though this one is more of a stretch. One should redeem for things like tickets to Tahiti, which are so inordinately expensive normally, but through points can be had for <$300 per ticket. Or round-the-world trips with stopovers, which are now allowed as well (try Montreal - Europe, stopover, then Japan/Singapore/HK/China, stopover, then return to Montreal through Vancouver). In business class all the way. Now that is a hot RoR. :)

The only place I regular visit is HK, and it seems like it costs 90K points to travel direct in economy during non-peak, which probably costs around $1K. So my return is $1K instead of $700... not much difference, considering I also have to travel during non-peak dates which I most likely can't make anyways. It doesn't help that the peak days are always blocked off for aeroplan redemption.

And this only gives me 25K points, where am I going to get the rest of the points from? I'm not spending $50K a year just to get a ticket that I'll probably have to work around to redeem.

[Pseudo Nim]

And this only gives me 25K points, where am I going to get the rest of the points from? I'm not spending $50K a year just to get a ticket that I'll probably have to work around to redeem.

The logic is you fly to HK as you always do, which will give you around 14K points for the flight itself. You do for two years, you now have 30K + the 25K on the card (you obviously cancel the card after the first year and accumulate through CIBC Aeroplan or others). It's a multiyear undertaking... and you stop by Europe on the way there, just for vacation or something.

It's not very good accumulation if you don't travel much, though, to be fair.

[Jon Lai]

collecting Aeroplan is for travel reward and not merchantise reward. In general 75k pt gets u a eco flight anywhere in the world and 105k pt get u a first class flight anywhere in the world. A eco flight from Toronto to Australlia $1500+, Toronto to any asian country $1000+, u name it. Just spend $3000 then chop the card after. It is definite a benefit for someone who lived in Markham since they can pay their property tax with this card. a whopping 10%+ RoR

I don't know what you're talking about but in the 12 years I've lived in Markham they've never accepted Credit Card as a payment method for property taxes.

[Jon Lai]

The logic is you fly to HK as you always do, which will give you around 14K points for the flight itself. You do for two years, you now have 30K + the 25K on the card (you obviously cancel the card after the first year and accumulate through CIBC Aeroplan or others). It's a multiyear undertaking... and you stop by Europe on the way there, just for vacation or something.

It's not very good accumulation if you don't travel much, though, to be fair.

I prefer to travel via Cathay Pacific. The service is a lot better and more often than not, Cathay ends up having cheaper prices because of their promotions.

[CanuckFlyHigh]

Alpha441 mentioned it (and I _always_ mention that when this discussion comes around), but I must stress that Aeroplan points should NEVER EVER EVER be redeemed for GCs/merchandise. It is completely the wrong usage for them, and the RoR is awful. The _only_ thing they are useful for are air tickets - and that, for locations which are somewhat difficult to get to. By no means should one be redeeming domestic flights, or even European flights on Aeroplan; or even, I would argue, economy flights, though this one is more of a stretch. One should redeem for things like tickets to Tahiti, which are so inordinately expensive normally, but through points can be had for <$300 per ticket. Or round-the-world trips with stopovers, which are now allowed as well (try Montreal - Europe, stopover, then Japan/Singapore/HK/China, stopover, then return to Montreal through Vancouver). In business class all the way. Now that is a hot RoR. :)

90K points is only 10K points short of a FIRST CLASS ticket, with stops in up to 3 countries - a 15-50K value. Then it's worth it... isnt it.

[angel_wing0]

I don't know what you're talking about but in the 12 years I've lived in Markham they've never accepted Credit Card as a payment method for property taxes.

+1...i dont recall any kind of taxes where u can pay with credit. Debit yes, but not credit.

[RoninTech]

Speak of the devil, we just booked a round the world trip last week with our Aeroplan miles, all in First class. This AMEX got us the last 20,000 miles we needed. It was 120,000 miles each. Itinerary is:

YYC-ORD UA First
ORD-FRA LH First
FRA-BKK TG First
BKK-HDY TG Business
turnaround in Andaman paradise for 4 weeks
HDY-BKK TG Business
stopover for a couple of days of BKK shopping
BKK-NRT TG First
NRT-SFO UA First
SFO-YYC UA First

By avoiding AC (who don't have First Class) we reduced the taxes and other expenses associated with reward travel. These added up to $30 * 2 for call center booking and $230 for the rest for a total of $294. The $60 call center fee was ironic as we just listed everything off to the agent who mentioned we were very organized and meant she didn't have much to do. :)

We have always used our Aeroplan miles for flights, although this was the first time we won't be going economy. We paid for our tickets last year in order to save the miles for this moment.

This would have cost us approx. $34K for the two of us if we had bought Star Alliance RTW tickets. Based on that we never would do this with our own $. Our miles were mostly accumulated via our CIBC Aerogold Visa, which we pay all the bills and expenses we can, and an Aerogold Mortgage (now paid off so no more miles there). Thanks also to flyertalk.com giving us tips and advice on what kind of trip to take and how to pull it off. The ANA tool is a wonderful thing!

Cheers,
Paul

[CanuckFlyHigh]

The ANA tool is a wonderful thing!

Cheers,
Paul

Please expand...?

[RoninTech]

Please expand...?

If you go onto Aeroplan's website and try to book your award you'd have no idea as to what's actually possible. Even the people you talk to on the phone don't recommend much beyond UA and AC flights. Best way is to go to flyertalk and do a search on ANA tool to help get you going. It's basically the Nippon Airlines tool (you need to register for free) that lets you see almost all Star Alliance flights (Except LX and maybe SQ).

So once you get the basic rules from flyertalk, you then come up with a desired itinerary based on your available miles and use the ANA star alliance tool to figure out if its possible and if not, other options.

Cheers,
Paul

[peroorim]

It seems like you are the Aeroplan goro, so maybe you will have the answer to this.

I am too collection points for our anniversary and was hoping to get two first class tickets.

I know that AC has first class cabins, some with these bed pods. So AC does let you redeem points for first class tickets? :(

Speak of the devil, we just booked a round the world trip last week with our Aeroplan miles, all in First class. This AMEX got us the last 20,000 miles we needed. It was 120,000 miles each. Itinerary is:

YYC-ORD UA First
ORD-FRA LH First
FRA-BKK TG First
BKK-HDY TG Business
turnaround in Andaman paradise for 4 weeks
HDY-BKK TG Business
stopover for a couple of days of BKK shopping
BKK-NRT TG First
NRT-SFO UA First
SFO-YYC UA First

By avoiding AC (who don't have First Class) we reduced the taxes and other expenses associated with reward travel. These added up to $30 * 2 for call center booking and $230 for the rest for a total of $294. The $60 call center fee was ironic as we just listed everything off to the agent who mentioned we were very organized and meant she didn't have much to do. :)

We have always used our Aeroplan miles for flights, although this was the first time we won't be going economy. We paid for our tickets last year in order to save the miles for this moment.

This would have cost us approx. $34K for the two of us if we had bought Star Alliance RTW tickets. Based on that we never would do this with our own $. Our miles were mostly accumulated via our CIBC Aerogold Visa, which we pay all the bills and expenses we can, and an Aerogold Mortgage (now paid off so no more miles there). Thanks also to flyertalk.com giving us tips and advice on what kind of trip to take and how to pull it off. The ANA tool is a wonderful thing!

Cheers,
Paul

[RoninTech]

Actually I'm pretty much a n00b who's been on a steep learning curve the last little while. I highly recommend you register on flyertalk.com. They have an Aeroplan and Star Alliance forum there where the real guru's hang out. You'll probably get a kick out of my first post on there (http://www.flyertalk.com/forum/air-canada-aeroplan/974089-calgary-thailand.html) as I too thought AC pods were first class. Turns out things get much better than that and the AC pods are only business. :-0 Here's a quote from one of the gurus over there:

there is a vast difference in First and Business Class

So to answer your question specifically, Since AC does not have any First class (F) seats on any planes anymore, you can't redeem points on Aeroplan for AC first class. Fortunately since you are allowed to fly on any Star Alliance carrier using Aeroplan points, some of whom still provide true first class service, it doesn't matter. This is where the ANA tool comes in as you can find out which *A carriers have what class of flights between specific airports at specific times. Also, here's a neat FAQ (http://www.flyertalk.com/forum/star-alliance/559447-first-class-routes-thread.html) thread that shows all the *A first class options. Maybe start with that to see where your first class options are. Work out from any trans oceanic flights first, as they are the keys, using the ANA tool to find actual flights. Once you've got it nailed (make sure to run it by the FT gurus for any last chance tips) call up AE and spoon feed your info to the person. It'll cost you $30 per person just to book via AE over the phone, before taxes and other expenses.

And here's a link (http://www.flyertalk.com/forum/air-canada-aeroplan/996029-help-allowed.html) to my post from last week after I'd accumulated the last bit of miles from this AMEX deal and was able to book a flight. :D It took me and my wife a full day to work it out. "Fortunately" I had sinus surgery the day before and was stuck in bed anyway. It turned out to be a great distraction from the pain.

So I'd recommend doing some reading and searching and then if you've still got questions, start a thread in the flyertalk Aeroplan forum. The hardest thing I found is all the acronyms everyone uses there. You soon pick them up though. Here's a couple that might help you out:

AE - Aeroplan
*A - Star Alliance
Just google all the airline/airport acronyms if you get stuck

Hope that helps and sorry for getting OT. :o

Cheers,
Paul

[Pseudo Nim]

Quite true. Are you actually flying F or J (first or business), finally? I'd say F is likely worth it, but J is fully sufficient, and you save 20-40k points PER ticket. The difference between F and J is much smaller than between J and Y (economy) - by moving up to J, you get lounge access, choice of more than one wine, champagne (though AC has recently removed it from a lot of flights) and the amazing pod seating on AC - which, honestly, is far superior to a lot of airlines. At least we do something right.

Moving up to F will certainly be a higher quality experience - for instance, you get access to Senator lounges with Lufthansa, which are much nicer and quieter than the 'regular' business lounges. But the seating? Seriously - the Air Canada pods are so good that I'm actually more willing to fly AC than other airlines lately. Sure, the Asian airlines are very nice - but very few have full flat seats like AC does. All this to say that business class is likely sufficient for an occasional traveler.

[RoninTech]

6 of the 8 legs are first vs business, see above. For the other 2, business was the best they had. J is definitely a fantastic flight vs economy. We went with F due to the number of people extolling it over business saying you have to try it (and the associated first class lounges) once.

I'll post back next year to summarize our experience.

Cheers,
Paul

[scoop]

so whats my best bet right now in terms of transferring the points if Im just looking for gift cards to pretty much any store?

[angel_wing0]

so whats my best bet right now in terms of transferring the points if Im just looking for gift cards to pretty much any store?

just transfer them to aeroplan miles. Like i said spend $1000 to get $200 gc back is a 20% return.

[slowtyper]

just transfer them to aeroplan miles. Like i said spend $1000 to get $200 gc back is a 20% return.

You could probably sell your points to someone for $300.

[brunes]

You could probably sell your points to someone for $300.

Unlikely since transfer costs 2 cents / point (1 cent/pint transfer on right now actually, but still would cost $250 just to do the transfer)

[scoop]

Unlikely since transfer costs 2 cents / point (1 cent/pint transfer on right now actually, but still would cost $250 just to do the transfer)

its free to transfer from amex to aeroplan? I just did that based on angel wings advice, but now Im thinking I should have tried to sell them since they are worth a flight across canada...

[angel_wing0]

its free to transfer from amex to aeroplan? I just did that based on angel wings advice, but now Im thinking I should have tried to sell them since they are worth a flight across canada...

yes, but u have to transfer to your own account.

[angel_wing0]

You could probably sell your points to someone for $300.

Unlikely since transfer costs 2 cents / point (1 cent/pint transfer on right now actually, but still would cost $250 just to do the transfer)

+1, i tried that but don't want to pay the $250, not worth it.

[slowtyper]

Unlikely since transfer costs 2 cents / point (1 cent/pint transfer on right now actually, but still would cost $250 just to do the transfer)

You transfer directly from amex to the other persons aeroplan. Some people in this thread have already done this. I'm willing to bet it still works.

[scoop]

yes, but u have to transfer to your own account.
interesting - i would have thought it didnt matter when you registered the alternate awards program. They must put a check in place to verify the account is yours.

[slowtyper]

interesting - i would have thought it didnt matter when you registered the alternate awards program. They must put a check in place to verify the account is yours.

They don't.

[scoop]

They don't.

thanks - thats what I would have assumed. Ah well - I still missed the boat after transferring to myself last night. Have to take angel's advice with a grain of salt. :cheesygri

[angel_wing0]

Have to take angel's advice with a grain of salt. :cheesygri

Well i answer based on your question, which is "gift cards to pretty much any store" :lol:

but for the aeroplan thing, i have been told by amex that it has to be your own aeroplan account and i verified with aeroplan, so i donno. *shrugs*

[slowtyper]

Well i answer based on your question, which is "gift cards to pretty much any store" :lol:

but for the aeroplan thing, i have been told by amex that it has to be your own aeroplan account and i verified with aeroplan, so i donno. *shrugs*

of course if you ask them, they will tell you that! you aren't supposed to do it, but there is no check for it.

[angel_wing0]

of course if you ask them, they will tell you that! you aren't supposed to do it, but there is no check for it.

oh gotcha now then :razz:

[bkushner]

ok guys, I need 3 or 4000 more miles for a Sony reader on aeroplan. Any other deals out there like this?

[slowtyper]

There is an aeroplan deals thread started by our rewards guru angel_wing

[angel_wing0]

There is an aeroplan deals thread started by our rewards guru angel_wing

gj u beat me to the reply :D

[angel_wing0]

ok guys, I need 3 or 4000 more miles for a Sony reader on aeroplan. Any other deals out there like this?

http://www.redflagdeals.com/forums/showthread.php?t=749965

try free aeroplan miles. Buy lots of tropicana jucies/chips/cereal and answer lots of askcanadian surveys :D

[senritsu]

Changed to $3000 in 3 months now instead of $1000.

[angel_wing0]

Changed to $3000 in 3 months now instead of $1000.

yip op already changed for that...really sucks thou that amex changed it.

[cashinstinct]

Amex probably wants high-spenders to get this card and $1000 in 3 months is not really high spending using a credit card.

They probably want to reduce the number of people getting the card and then cancelling it just after reaching $1000 spending.

I suppose their experience of "first-generation people" with this card was that too many people cancelled just after $1000 and way before the end of 1st year

[angel_wing0]

i guess they think the economy is recovering and ppl is now willing to spend 3k in 3 months :lol: *facepalm*

[john29]

How tight is AMEX with giving out credit these days? I just got a new card from MBNA about a month and a half ago, so I'm guessing I'll have to wait a bit before even bothering to apply for this one?

[anola]

How tight is AMEX with giving out credit these days? I just got a new card from MBNA about a month and a half ago, so I'm guessing I'll have to wait a bit before even bothering to apply for this one?

They are pretty tight... I've got good credit, but I was declined this card apparently b/c I applied for another credit card recently... :(

[john29]

They are pretty tight... I've got good credit, but I was declined this card apparently b/c I applied for another credit card recently... :(

k, I guess I'll wait at least a couple months. Hopefully they don't close the offer by then.

[MrDisco]

weird. seems like i was pre-approved for the platinum version of this card. it's got some interesting features but the $399 yearly fee isn't for me.

[edward_wang]

Does anyone know how to get the annul fee waived after the first year?Do u get the areoplan miles after three months?

[tkyoshi]

weird. seems like i was pre-approved for the platinum version of this card. it's got some interesting features but the $399 yearly fee isn't for me.

The purchasing power doens't change since it's a charge card, just the annual fee = more revenue for them.

So if they were only going to allow say up to $5000 on your Business Gold, if you upgraded to Platinum they may still only allow $5000 before they go into freak out mode.

That's the beauty of charge cards for them, they don't have to reveal what your limit is at any given time, your purchasing power can be modified or discriminated against at anytime. Discrimination meaning that they may selectively block certain merchants/charges.

For example some new people have found that when they tried to book a $2000 flight off the bat as the first charge, it gets declined. Yet when they walk down the street to the Apple Store and buy a $2200 Macbook, the charge goes through. But in the big picture things like charge discrimination generally only occur when the card is very new and you have no charge history.

[angel_wing0]

Does anyone know how to get the annul fee waived after the first year?Do u get the areoplan miles after three months?

Unless u give them tons of business, not likely.

As in the bonus 25k miles? u basically get it right after u spend to the required limit.

[john29]

Does anyone know the date this offer ends? I couldn't find it, all I can see is that the AeroplanPlus cards must be applied for by Dec 31/09 for the bonus aeroplan miles.

[angel_wing0]

Does anyone know the date this offer ends? I couldn't find it, all I can see is that the AeroplanPlus cards must be applied for by Dec 31/09 for the bonus aeroplan miles.

...it ends once amex decides to pull the plug.

[chimie]

With a great deal of buying, i may reach close to $ 2500 in 3 months. Has anyone tried reaching $3000 and then returning a purchased item within 3 months and go below $3000? Once u reach the limit, r u awarded the points before the statement date? Has anyone tried? Any comments?

[coopercold]

With a great deal of buying, i may reach close to $ 2500 in 3 months. Has anyone tried reaching $3000 and then returning a purchased item within 3 months and go below $3000? Once u reach the limit, r u awarded the points before the statement date? Has anyone tried? Any comments?

Yes, I have a comment -- don't be a scammer. Don't even try. It's just not cool.

(You did ask for comments.)

[Toule]

With a great deal of buying, i may reach close to $ 2500 in 3 months. Has anyone tried reaching $3000 and then returning a purchased item within 3 months and go below $3000? Once u reach the limit, r u awarded the points before the statement date? Has anyone tried? Any comments?

Dont try to laugh at Amex.

[angel_wing0]

With a great deal of buying, i may reach close to $ 2500 in 3 months. Has anyone tried reaching $3000 and then returning a purchased item within 3 months and go below $3000? Once u reach the limit, r u awarded the points before the statement date? Has anyone tried? Any comments?

just dont do it, period.

[mec9t8]

With a great deal of buying, i may reach close to $ 2500 in 3 months. Has anyone tried reaching $3000 and then returning a purchased item within 3 months and go below $3000? Once u reach the limit, r u awarded the points before the statement date? Has anyone tried? Any comments?

I strongly suggest you not to do that. I think AMEX is smart enough for this kind of thinking. They must be some policy or restriction that you should "pay" your $3000 credit card balance before you will get the bonus point.

My other suggestion is if you are very close to $3000 by the end of the 3 months period, go to your favourite store and buy enough gift card to reach $3000 balance. So that you can have your bonus points.

Cheers

P.

[tng11]

It's been almost 2 months since they deposited an extra 25K points in my account... I'm surprised they haven't fixed the mistake yet. I wonder what I should do, as I'm scared to transfer the points out (and knowing my luck, the next day they will call back and demand I pay for the points) and I will be cancelling the card in December before my annual fee comes up.

[angel_wing0]

My other suggestion is if you are very close to $3000 by the end of the 3 months period, go to your favourite store and buy enough gift card to reach $3000 balance. So that you can have your bonus points.

Cheers

P.

Indeed. Or just buy a tour/cruise package, that runs up pretty quick :D

[belfour]

It's been almost 2 months since they deposited an extra 25K points in my account... I'm surprised they haven't fixed the mistake yet. I wonder what I should do, as I'm scared to transfer the points out (and knowing my luck, the next day they will call back and demand I pay for the points) and I will be cancelling the card in December before my annual fee comes up.

Don't worry they will fix it. I had the extra points for 4 months.

[elayjosh]

The deal is back.. it used to be $70 but now its $65

Do you have a link for this rebate?

[angel_wing0]

Do you have a link for this rebate?

google gcr rebates.

[JWL]

Do you have a link for this rebate?

google gcr rebates.

Doesn't seem to be there any more.

I just cancelled the AMEX I got 11 months ago (as per the original plan so I don't have to pay $180!). Just remembered to transfer the additional points I'd accumulated!

I also received another application addressed to another business I own. Terms and conditions say "This offer is not applicable to holders of an existing American Express Small Business Card product" so it sounds like I should be good to go. Has anyone tried to go for another dip either with the same person/different company or same person/same company?

[elayjosh]

Doesn't seem to be there any more.


Thanks I thought maybe I was just missing it!

[angel_wing0]

Doesn't seem to be there any more.

u are right, i guess it's over again.

[yomister]

deal-guild (google it as one word) seems to have it again at $72 cashback. Even better than greatcanadianrebate

[Toule]

********* cash is like real cash?

[angel_wing0]

deal-guild (google it as one word) seems to have it again at $72 cashback. Even better than greatcanadianrebate

cool, gotta have a look :D

seems outdated thou:

"Debbie on 2009-03-02 10:43:59"

[JWL]

cool, gotta have a look :D

seems outdated thou:

"Debbie on 2009-03-02 10:43:59"

What is that a reference to?

[angel_wing0]

What is that a reference to?

deal creation date.

[redkid]

nice i hit the bonus 25k pts !!!

[coopercold]

nice i hit the bonus 25k pts !!!

Hey big spender (http://www.youtube.com/watch?v=iG3VfKlfDEk)!

[7jai]

Hey big spender (http://www.youtube.com/watch?v=iG3VfKlfDEk)!

u r so random and weird :confused:

[angel_wing0]

nice i hit the bonus 25k pts !!!

3k for 3 months or 1k for 3 months? :D

[coopercold]

u r so random and weird :confused:

And you're a true genius. Psh.

[angel_wing0]

I also received another application addressed to another business I own. Terms and conditions say "This offer is not applicable to holders of an existing American Express Small Business Card product" so it sounds like I should be good to go. Has anyone tried to go for another dip either with the same person/different company or same person/same company?

u should go for it. If you own a business, even $3000 for 3 months is like nothing :D

[Tilter]

I also received another application addressed to another business I own. Terms and conditions say "This offer is not applicable to holders of an existing American Express Small Business Card product" so it sounds like I should be good to go. Has anyone tried to go for another dip either with the same person/different company or same person/same company?

I didn't think this would work because they would check it against the person signing up? So if you signed up again, they would do another credit check and find out you already had the card before?

Btw, for those in the know, do you have any information about how canceling a credit card affects your credit score? I got my card in Jan 09, so I will be looking to cancel the card by the end of December. I'm then thinking about applying for the Visa Aerogold ($120 Ann fee) for the 15K Bonus Miles.

[GoodDeal]

Has anyone tried to go for another dip either with the same person/different company or same person/same company?

I used the same company and applied for the second time, I did receive an extra 25,000 for a total of 50,000 points. I haven't tried for the third time... :lol:

BUT... for some reason my personal Amex limit was decreased 2 months later by $5000 (I think they didn't like my applying and cancelling their credit card in such a short time)