My spending is getting out of control | Page 3 | Credit card reward programs | Discussion forum

MDJ said

It’s 1.5% across the board. 2% if you are using it for Rogers billing’s.

You will be eligible for 2% cash back if you are actively subscribed to only 1 eligible service. Eligible services include:

Postpaid Rogers-branded consumer mobile plans (which includes wireless home phone and tablet data plans). For these plans, users who have permission to make changes (i.e. a Level 1 Authorized User) are also eligible.
Postpaid Fido-branded consumer mobile plans – primary account holders only (which includes wireless home phone and tablet data plans)
Any Rogers, Shaw or Fido-branded internet, TV, home phone, home monitoring or satellite service – primary account holders only  

I am now getting 3% cash back on Rogers Mastercard when using it for Rogers billing. And it is one eligible service. Exactly like it says on the tin. https://rogersbank.com/en/rogers_mastercard_details

MDJ said
On every single purchase or just on Rogers services?  

On every single purchase but I spend the cash back against Rogers services. If the cashback goes against other expenditure then its 2%

dougjp said

Now I'm finally getting it. Rogers sure is good at the marketing "slight of hand" and being the only card where the holder has to go through manual remembered hoops to get anywhere near (and for most, nowhere near) the "big" advertised percentage.

SO, if your monthly cash back earned $ is a fraction of the monthly Rogers services bill, then the net cash back on JUST the Rogers bill is, say 2.1% - 2.x%. And nothing extra if the card holder doesn't keep an accurate diary and act.  

Not sure I follow about “the diary”, etc.

I have a single Rogers service, which comes to $107 (with tax). All of it gets paid using cashback from the Rogers card. This can be done at any time after Rogers bills its services to the card, even for months after the event. I don’t spend this cards’s cash-back on anything else.

I don’t have diary, either accurate or inaccurate. I have other cards for certain other expenses (eg food), which give more than 3% cash back. It just balances for me that I apparently spend around 3.5K on Rogers card. Rogers also gave a bunch of points as a bribe for getting the card. Obviously if you regularly spend more than 33 times cost of Rogers services on the card then your rate of cashback would be less than 3%.

Its not complicated at my end. The catch is that I am tied to having at least 1 Rogers service if I want that extra 1 percent.

mordko said

Not sure I follow about “the diary”, etc.

I have a single Rogers service, which comes to $107 (with tax). All of it gets paid using cashback from the Rogers card. This can be done at any time after Rogers bills its services to the card, even for months after the event. I don’t spend this cards’s cash-back on anything else.

I don’t have diary, either accurate or inaccurate. I have other cards for certain other expenses (eg food), which give more than 3% cash back. It just balances for me that I apparently spend around 3.5K on Rogers card. Rogers also gave a bunch of points as a bribe for getting the card. Obviously if you regularly spend more than 33 times cost of Rogers services on the card then your rate of cashback would be less than 3%.

Its not complicated at my end. The catch is that I am tied to having at least 1 Rogers service if I want that extra 1 percent.  

Even for someone that does not have rogers/shaw/fido service, 1% (not 2%) on everything on a no fee card is pretty darn good, probably the best out there actually.
I will be surprised if Rogers keep it that way for the next couple of years, its a honeymoon offer in my mind.
I used to have the Citibank then becomes MBNA a no fee 2% rebate/redeem against new/used car puchase, milk it for a few years and card program eventually got cancelled / transferred at the end.
I just wont use any card that charges annual fee, or rebate based on category only.

###CORRECTION####

you do need at least 1 service to earn 2% on everything, otherwise its 1% only. Sorry for the wrong info earlier !

savemoresaveoften said

Even for someone that does not have rogers/shaw/fido service, 1% (not 2%) on everything on a no fee card is pretty darn good, probably the best out there actually.
I will be surprised if Rogers keep it that way for the next couple of years, its a honeymoon offer in my mind.
I used to have the Citibank then becomes MBNA a no fee 2% rebate/redeem against new/used car puchase, milk it for a few years and card program eventually got cancelled / transferred at the end.
I just wont use any card that charges annual fee, or rebate based on category only.

###CORRECTION####

you do need at least 1 service to earn 2% on everything, otherwise its 1% only. Sorry for the wrong info earlier !  

I have no Rogers or Shaw products. And from what I see I get 1.5% on all.

Based on what you said I would also consider the Scotia Gold Amex, its free if you have a scotia ultimate account - which is also free if you keep $6K in it (I'm aware of the opportunity cost of the 6K but the account perks outweigh the cost for me at least) otherwise the Amex is $120 per year.

Anyway back to the Scotia Amex card it offers 5% back on all eating out/ restaurants and 6% back on groceries at Sobeys, Safeway, FreshCo, Foodland. Cineplex is also 5% back. Public transit/ride share as well as streaming services are 3% back. 0% foreign currency exchange fees. If you have substantial dining out bills its a worthwhile card.

Another separate point is you said you have tuition fees for your kids. I use the Canadian Tire World Elite to pay my kids tuition bills and my property taxes - on the receiving end they get payment just like a banks online payment, it shows up on my Canadian Tire World Elite Mastercard and gives me 1% back in Canadian Tire money. At least I get something paying tuition/property taxes but please check that your kids school is on their list.