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Fwiw, I`ve never used debit, never even had a debit card. I`ve always paid off all my credit cards in full every month except for 2 times I was late due to my own negligence. So I`ve never understood why anyone would want to use debit, especially since cashback credit cards have become common and easily available.
My usual concern is which of my credit cards to use each time I buy something since the cashback rates vary from 0.5% to 4% for purchases from different types of retailers. At another level, there's also the question of whether it's worth paying for cards that have annual fees but pay out higher cashback rates.
Metro QC: Tuesday day of 10$ where 20 sushis and they have a 10$ deal monday to friday...it really paid off to Watch the flyers.
Maxi QC: 30% off on groundbeef
IGA QC: Chicken stuffed rolls famillial pack @10$ clearance @5$ I bought 2 packages
Keg Steak spice 825g at RCSS for 3.44....... We use this one a lot, its delicious and usually about $15 a bottle
PC points offer, spend $30 in store, get 3000 points ($3)
PC points offer, spend $10 on hot or chilled deli, get 2000 points
Deli: chicken Alfredo sauce entrée reg. $12, 50% off = $6; bought 4, got 4000 points
With other groceries to make the total over $30, got 2000 points
Out of pocket $3x.xx.
Earned 7000 total
:hungry:
got some beautiful upholstery fabric at Fabricland for $6- i made curtains for a small bedroom window.
went back for 2 more panels...they fit perfectly over my Ikea Poang chairs. ;-)
These are the highlights from my No Frills trip this evening.
Raspberries $1.97 - 50% off - 75c Driscoll’s - 10c CO51 = $0.13
chop chop salad kit 2x $4.47 - 2,000pts wub$4 = $2.47 each
mann’s sugar snap peas $3.97 - $2 coup = $1.97
6pk Gouda Babybel cheese $3.97 - $2 contest win coupon = $1.97
Dark Chocolate Kit-Kat 170g 2x $2.97 - $2 Caddle = $0.97 + taxes
Angela273, where did you find the coupon for snap peas?
20x event #1 - use $58 in coupons, earned 12,000 pts
20x event #2 - use $12 in coupons, earned 10,000 pts
I just use one credit card that has zero annual fees and get 2% back on three categories of my choice and .05% on everything else. You have to be careful as some offer great rebates but for a limited time. One card is all you need. I have the rebate going straight into my savings account each month.
Everyone should do what works best for him or her. Using multiple cards does take a little more thought and the small (for me) inconvenience of having more bills to pay off each month. It's a matter of individual judgement whether these cons are outweighed by the additional savings.
As a fairly straightforward example, I happen to have a card just like yours. If it were my only one, getting another with the same benefits would let me get 2% cashback instead of 0.5% on three different categories. Obviously I'd save more in total, with how much being dependent on my spending in the three categories I choose for the new card. And I'd have to make the subjective decision whether the estimated difference would be worth the additional thought and effort.
It's also worth noting that no-fee cards sometimes offer sign-up bonuses. Just this past week, I saw an in-store sign-up offer for PC Mastercards that included 30k points. There were some conditions attached, but they seemed pretty easy to meet. Those who qualify for the "World" card get 20 PC+ points per dollar spent at Loblaws, RCSS, No Frills et al, and also at SDM, plus 2 cents per litre of gas at Esso. With the "World Elite" card, it's 30 per $ plus 3 cents.
Fee cards are obviously more involved. They're not for everyone, but they can save some people more than no-fee ones. As a simplified example, if you were to pay an annual fee of $100 and get 4% back instead of 2% on purchases at major grocery and gas chains, the break-even on just those two categories would be $10,000 per year. If you spend more, you'd save more in the end by using the fee card. In practice, the B/E would probably be somewhat lower since the fee card is likely to have 1% cashback instead of 0.5% on your other purchases.
One thing to be aware of is that some premium cards with 3% and even 4% cashback rates on selected categories waive the fee for the first year. So, if you're able to cancel when the year is up (as you pointed out, it's critical to read the terms that apply to each card), you can, in effect, have a no-fee premium card for a year. Whether the additional savings in that time are worth the additional effort is a personal decision that involves subjective factors as well as dollars and cents, but in the latter area, having a card with a higher rate than your current one is clearly beneficial for that year.
I was a two credit card person for a long time, one MC and one Visa, both no-fee, with staggered billing dates so I could always use the one with the later payment due date. I also assumed fee cards weren't "worth it" for me because I didn't and still don't charge all that much. It turned out that by choosing a better informed approach that involves multiple cards, I save hundreds of dollars per year. Maybe some other forum members can benefit from better informing themselves too.
IGA QC: In store specific offer to mine : case of clémentines @3,99$
Saturday's Talize find-24.99. Added a 0.99 book so I could use my $5.00 off $25.00 coupon
Attachment 336778
RCSS $0.34/each avocado - not advertised sale. They were slightly ripe which I prefer anyway but still good. I bought 20. To my surprise I also got 1200 PC plus points. Mandarine was $0.48/lb.
i forgot to mention one lady got like 10 bags of avocados (10 in each bag); she showed me and other shoppers how to pick the good ones and told us how to freeze them too.
Everyone seems to be talking about points related ccs for the last few days and then I got a interesting call from pc financial on Saturday. The offer was I can add up to 4 people to my cc and receive 10,000 points each. Each are has to be activated and used once to receive the points per card. I ordered 4 and will activate and use them once then after a bit I will cancel them
Food Bank Drive
Walmart
Got 15 cans of almayers soup @ 33c each.
PM ed Blue sky 500 g peanut butter @ 99c each , 6 of them
PM ed Blue sky 2 Kg sugar @ 99 c each , 6 of them.
:)
i thought it was new to me only, so the lady you don't want soft spots, evenly soft is fine, then remove the little stem, if it's green then it's good, if it's brown then not good. To freeze, cut them in halves remove pit, remove skin if desired, or cube the flesh then spritz with lemon juice to keep them from browning then freeze
5 nights at the Aria Resort & Casino in Las Vegas + airfare for only the taxes on the airfare $149 CDN
(3 nights were a comp through my play online with myVegas and I had a credit with Westjet to use before the end of this month....I also got an email from Westjet offering a $50 credit to be used within 48 hours, so I added two additional nights at the hotel along with the flight.)
The planets all aligned for this trip !
Now, the gambling and shopping are another matter........lol
Sobeys
2x 1L French’s ketchup $3 - 50c coupon - 75c CO51 = $1.75 each plus taxes
This morning I was at my local Walmart(Westbrok mall) and spied some good deals. Post cereals for $1.00. Cases of Campbells soup for $5.00. Old El Paso taco kits for $2.88- they include a $5 off produce coupon when you buy another kit and El Paso salsa.
another RCSS deal but different location in my town, freezies $0.24/bag, they had 3-4 pallets probably hundreds of bags of two types: organic non-gmo in pack of 12 and regular artificial flavors in pack of 18s. Grabbed 4 packs of the organic ones for my toddler.
well dot ca is selling them for $7.xx DeeBee's Organic Super Fruit Freezies
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I bought my annual supply of Tim Horton's Hot Chocolate canisters.
3 x T.H. Hot Chocolate @ $4.99 = $14.97
Scan the receipt and get a $10 Tim Horton's gift card Buy 3 Tim Hortons products, get $10 Gift Card Rebate (thanks torontogal12!)
I did 6 separate transactions of 3 cans each for a total of 18 cans = total of $89.82
I've already submitted the scans of my receipts (under 2 separate names) and will be receiving 6 x $10 gift cards! :icon_santa: