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Well they already "got out" of the market by selling off or closing their CC portfolio and outsourcing their CSR responsibilities to a Canadian provider. Their

Well they already "got out" of the market by selling off or closing their CC portfolio and outsourcing their CSR responsibilities to a Canadian provider. Their only users remaining were those who've been carrying a balance for the past couple years.

Scoundreller 7y ago
I think it's been about a 16 months since they exited. I overpaid my last bill by a cent in hopes they would waste their time and money to cut me a cheque, but they did not. Their Amazon card was pretty decent: no foreign exchange fee and no annual fee. It was my "daily driver" for non-CAD$ transactions like domain names, hosting, Paypal, Aliexpress. Such a pain for me when they got rid of it.
- xodast 7y ago
  Have you found a suitable replacement??
  - Scoundreller 7y ago
    HomeTrust Visa: https://www.hometrust.ca/credit-cards/preferred-visa-card/ 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
    - fouc 7y ago
      Thanks, any idea if there's also one with no ATM fees?
      - Scoundreller 7y ago
        Don't believe so. If there are, they're in the $100+/year annual fee club.
      - Marsymars 7y ago
        Stack MasterCard or Koho Visa, you just have to be aware of their withdrawal limits.
        bpye 7y ago
        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.
  - Marsymars 7y ago
    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.
    - Scoundreller 7y ago
      My primary beef with the Rogers card is that it’s Rogers.
  - FigBug 7y ago
    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
- Marsymars 7y ago
  I had a weird situation where Amazon.com refunded me some import charges some months after the amazon.ca visa was closed, and the money seemed to just disappear into the ether. Amazon.com ended up just issuing me an Amazon.com credit for the amount after I complained.

Scoundreller 7y ago

I think it's been about a 16 months since they exited. I overpaid my last bill by a cent in hopes they would waste their time and money to cut me a cheque, but they did not. Their Amazon card was pretty decent: no foreign exchange fee and no annual fee. It was my "daily driver" for non-CAD$ transactions like domain names, hosting, Paypal, Aliexpress. Such a pain for me when they got rid of it.

xodast 7y ago
Have you found a suitable replacement??
- Scoundreller 7y ago
  HomeTrust Visa: https://www.hometrust.ca/credit-cards/preferred-visa-card/ 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
  - fouc 7y ago
    Thanks, any idea if there's also one with no ATM fees?
    - Scoundreller 7y ago
      Don't believe so. If there are, they're in the $100+/year annual fee club.
    - Marsymars 7y ago
      Stack MasterCard or Koho Visa, you just have to be aware of their withdrawal limits.
      - bpye 7y ago
        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.
- Marsymars 7y ago
  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.
  - Scoundreller 7y ago
    My primary beef with the Rogers card is that it’s Rogers.
- FigBug 7y ago
  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
Marsymars 7y ago
I had a weird situation where Amazon.com refunded me some import charges some months after the amazon.ca visa was closed, and the money seemed to just disappear into the ether. Amazon.com ended up just issuing me an Amazon.com credit for the amount after I complained.