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by jasonsync 2467 days ago
As long as they don't renege later. Every single cash back card I have jumped on board with started with 2% ... changed the terms a year in to 1% ... then went down to 0.5% even later. And increased fees later as well. Maybe just bad luck on my part.

For example: https://www.reddit.com/r/PersonalFinanceCanada/comments/6164...

1 comments

Canada has been capping interchange fees. 1.5% in 2015, 1.4% last year. They're the main way the card issuers pay for the rewards, so it makes sense that as they get limited the rewards go away.
Oh. Why do stores still refuse amex then? Are visa and mastercard going below the cap on their high end cards?
The agreement was apparently just with Visa/MasterCard, and Amex works differently there, it seems.

https://www.bloomberg.com/news/articles/2018-08-09/visa-mast...

> Visa Inc. and Mastercard Inc. agreed to cut Canadian credit-card transaction fees in a move that could save smaller businesses C$250 million ($192 million) a year and crimp revenue for Canadian lenders.

> American Express Co. agreed separately to support “objectives of greater fairness and transparency," the government said. AmEx doesn’t operate on an interchange model for its fees. The New York-based company remains “committed to improving the fairness of the Canadian credit card ecosystem,” company spokesman David Barnes said in an email.