Credit Card Round #4 - TD Aeroplan Infinite, CIBC Aerogold Infinite, BMO World Elite

New Year, New Credit Cards, all in a week

TD Aeroplan Infinite VISA - 15,000 Aeroplan, $0 cost

• Application over phone/branch to waive the first year fee

CIBC Aerogold Infinite VISA - 20,000 Aeroplan, $0 cost

• This will be my #4 CIBC Aerogold in a year, wow, that's 15K+15K+15K+15K(wendy)+20K Aeroplan all for free 

BMO World Elite MasterCard - $300 Welcome Bonus, $0 cost

• 4 Priority Pass passes

Credit Card Round #3 - AMEX Aeroplan Gold (30K Aeroplan, FYF), MBNA SmartCash ($100 cashback again)

3 months ago I did my first Credit Card round-up #1
Last month was Credit Card round-up #2

Then the month of September comes and AMEX had good surprises for us

AMEX AerogoldPlus Gold - 30000 Aeroplan miles, 1st year free

• Standard offer is 20,000 Aeroplan miles while application through referral link is 30,000 instead (referrer gets 10,000 referral bonus)
• Got this via referral and was approved instantly online

CIBC Aerogold VISA - 15000 Aeroplan, $0 cost

• Aerogold and 15000 Aeroplan for Wendy

MBNA Smart Cash MasterCard - $100 cash back from GCR till Nov 15, 2013

• I only got it for the $100 cash back from GCR
• No annual fee

Credit Card Round-up #2 - New Bonuses from CIBC Aerogold (15K Aeroplan x 2), MBNA Platinum/SmartCash ($100 x 2), MBNA Alaska (25K)

3 months ago I did my first Credit Card round-up #1

Since then I've had a few changes and new cards (for bonuses of course) at no extra costs. Credit Card churning is too much fun!!

CIBC Aerogold Infinite VISA - 15000 Aeroplan, $0 cost

• I re-applied again in June 2013 for another 15000 Aeroplan with no first year fee. Got 15K no problem
• I applied for fun again for another 15K and hope it comes

MBNA Alaska Airlines MasterCard - 25000 Alaska miles, $75 fee - $75 cashback from GCR

• New offer by GCR, 25K Alaska miles is one round-trip North America flights on AS/AA/DL
• $75/year - $75 cashback from GCR

MBNA Smart Cash MasterCard - $100 cash back

• I only got it for the $100 cash back from GCR
• No annual fee

MBNA Platinum Plus MasterCard - $100 cash back

• I only got it for the $100 cash back from RFD
• No annual fee
• I used it to get $22K 0% Balance Transfer for fun (1% fee though) for 12~15 months

Travel Rewards Credit Card Comparison

Since I have owned several Travel Rewards Credit Cards over the last few years (owned and actually used), I figure I will do a summary recap here for my own, and for my readers (if any, look at my RSS count)

		Travel Infinite	TD Gold Elite	AMEX Aeroplan Plus	CIBC Aerogold Infinite
	Jerry's summary	Good for travel expenses or redemption	Good for auto club	Annual fee makes it harder to break even	Annual fee makes it harder to break even
		1.5% return is good
		VISA accepted almost everywhere
	Type	VISA	VISA	AMEX, Charge card	VISA
	Annual Fee	$120 (waived with Select Service)	$99 (waived with Select Service)	$120, not waivable	$120, not waivable ($75 credit may be given)
	Rewards	$1 charged = 3 points, $1 via TD Travel = 9 points 10000 pts = $50.	1% Cashback	1 Aeroplan for $1 1.25 for $1 after $10000	1 Aeroplan for $1 1.5 for $1 for Gas/Grocery/Pharmacy
	Return %	1.5%~4.5%	1%
	Signup Bonus	20000 points = $100	None	10000 Aeroplan miles	15000 Aeroplan miles
	Extended Warranty	Yes	Yes		No
	Price Protection	Yes	Yes		No
	Travel Accidental Insurance	up to $500000	up to $500000	up to $500000	up to $500000
	Trip Cancellation Insurance	$1000/person, automatically included		No	optional
	Trip Interruption Insurance	$5000/person, automatically included	$5000/person, automatically included	No	Yes
	Travel Medical Insurance	8-day trips for under 65		No	15 days
	Delayed/Lost Baggage	up to $1000/person	up to $1000/person	up to $500	Yes
	Car Rental Insurance	Collision/Loss Damage Insurance	Collision/Loss Damage Insurance	Yes
	Auto Club	No	Yes	No	optional
	Rental discount	Budget	Budget	No	Avis
	Supplmentary Card	$50, can be waived	$39, can be waived	2 FREE ($50 each)	$50