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by xodast 2501 days ago
Have you found a suitable replacement??
3 comments

HomeTrust Visa: https://www.hometrust.ca/credit-cards/preferred-visa-card/

Similar to Chase Amazon: no forex charge. No annual fee.

Pro: Includes roadside assistance and rental collision insurance, 1% cashback

Pros/Cons: Doesn't support tap/RFID payment.

Cons: Application can take forever (not sure about current state).

Cons: Higher foreign ATM withdrawal fee than Amazon (1.5% vs 1%, with similar minimum fee

Thanks, any idea if there's also one with no ATM fees?
Stack MasterCard or Koho Visa, you just have to be aware of their withdrawal limits.
Stack is great until it's not. Don't let it be your only card. I was in Taiwan and couldn't load the card as they were having trouble with their Interac processor. Luckily I have a UK Monzo card that kind of saved the day for ATM transfers. My Canadian bank charge a stupid amount on ATM withdrawals.
Don't believe so. If there are, they're in the $100+/year annual fee club.
I use Home Trust like the other poster, but Rogers is also an alternative if you can deal with their weird forex structure and the general unpleasantness of dealing with Rogers. (2.5% forex fee and then 4% cashback on forex transactions, so you still get hosed on forex if you ever get refunds on the card)

Home Trust has a few annoyances too, most notably a 10-transaction per day limit that you can run into when travelling.

Otherwise Scotiabank Gold Amex recently dropped their forex fee and might work for you depending on spending habits.

My primary beef with the Rogers card is that it’s Rogers.
I use Rogers World Elite Mastercard

4% cash back in a foreign currency

2% cash back on Rogers' services

1.75% cash back otherwise

Rental car insurance

Airport lounge access

No fee