 Hello everyone, this is financial author Amit Dan of amitdan.com. On this channel you'll find financial travel and more videos just like the one you are watching right now. If you like what you see, please give it a thumbs up and consider subscribing. Today I'll talk about how to handle tansuring money-back rate curve negative changes. If you are a tansuring rate curve holder that offers cashback viewers the good days of getting excellent viewers with no annual fee are over. Starting April 29, 2017, tansuring will slap a few negative changes that will make its popular no-fee rate curve less desirable. There will be several negative changes, however I'll only talk about those that I feel will have most impact on day-to-day uses of this rate curve. Tansuring money-back rate curve earns 2% on two selected categories and 0.5% on everything else. Actually you can have three selected categories earning 2%. If you choose to have your cashback deposited into your tansuring savings account. Now the 1% cashback on everything else is where it's getting axed by tansuring to a 0.5% return or 0.5% return. Another popular feature of this curve is that this curve used to have 1.5% foreign transaction fee instead of 2.5% foreign transaction fee which most other Canadian rate curves charge and tansuring is accessing this 1.5% foreign transaction fee to a 2.5% foreign transaction fee. A point or mentioning is that there are great curves in Canada that charge no foreign transaction fees. I talked about this curves in my another YouTube video which I'll provide a link on the top on this video. If you are a tansuring money-back rate curve holder what you can do keep using tansuring money-back rate curve on those two or three categories where it earns 2% return. On everything else where it will be earning 0.5% return you can switch to other rate curves which have more return than 0.5%. For example BMO cashback master curves earn 1% on everything else and there is another great curve which is the American Express simply cash rate curve that earns 1.2% flat on everything else. There is another great curve Rogers master curve or Rogers platinum master curve that also earns a flat 1.75% return on everything else. However there is a $29 annual fee on this curve if you are not a Rogers member. I have a separate video on cashback rate curves as well which I'll provide a link on the top and there are many other free and annual fee cashback rate curves on the Canadian market that offers excellent returns. Do your research to find the best cashback rate curve that suits your needs. Also Amitdown.com and my YouTube channel have reviews and articles on rate curves and definitely cashback rate curves and I'd like to mention that unlike many other websites my reviews and YouTube videos are unbiased because I do not accept money from any rate curve companies and also I do not provide any affiliated links to make money. That's all for today. If you like what you see please give it a thumbs up and consider subscribing. Thank you.