RATESDOTCA
Reviews and Complaints

I signed up for a promotional rate credit card on Rates.ca because they were offering a $100 Gift Card if I got approved on March 6. Been using the card for over three months, yet the promised gift card hasn't arrived. I've reached out multiple times via phone and email, only to be told they'll 'check it out' with no follow-up. It's quite frustrating.

I registered for a promotional credit card with ratesdotca in Nov 2022, promised a $200 gift card. When it didn't arrive, I contacted them in Dec 2022. They mentioned they would investigate, but after repeated inquiries, I've received no response since March 2023.

I saw an ad on Rates.ca for a Tangerine credit card with a $100 gift card sign up bonus in March. But I never got it. I've called customer service like 4 times and they keep blaming someone else who works for a company called ***. That person never called me back and even the last rep I talked to said they'd contact me, but they didn't. I want the ComplaintsBoard.com to help me out.

I signed up for a *** credit card through Rates.ca in December 2022, lured in by their promise of a 200$ sign up bonus. But guess what? I still haven't received it! I've reached out to their customer service a bunch of times (like, at least 4 times) and they still haven't given me my bonus. I even went through their internal complaint process and filed a missing cashback inquiry over 5 weeks ago. But after all that waiting (5 whole weeks of internal inquiry and over 2 months since I applied), I still haven't gotten anything. It's so frustrating! I'm thinking about getting the ComplaintsBoard.com involved.

So I went on Rates.ca to apply for a credit card and they said I'd get a $100 gift card. I got approved for the card, but they never sent the gift card. I checked the status and it kept saying "pending". They emailed me saying I had to do something else, but I already did everything they asked. When I called them, they wouldn't tell me why they didn't send the card. They said I didn't finish my Tangerine application, but that's not true because I got the card already. I'm not gonna activate the credit card until I get the gift card. I'm telling the credit department about this so they know why I haven't used the card yet.

I tried using Rates.ca to find a good deal on car insurance, but I was disappointed with the results. The website was easy enough to use, but the quotes I received were all much higher than what I was currently paying. I tried adjusting my coverage options and deductible, but nothing seemed to make a difference. I also noticed a few spelling errors and typos on the website, which made me question the legitimacy of the site. Overall, I wouldn't recommend Rates.ca for finding car insurance quotes.

I tried out Rates Dot Ca (RATES) because they had a deal for a "FREE $200 cash on select Scotiabank credit cards". I signed up on November 01, 2022 and got an email from Scotiabank (SB) saying my new credit card was on its way. I checked RATES website for several days to see the status of my $200 offer, but it kept saying "pending". I asked about it on December 12, 2022 and a RATES Customer Service Advisor (RCSA) said it could take up to 5 weeks to hear back. I asked for an update on December 21, 2022, and the RCSA said there were longer delays than normal due to the popularity of the promotion. The RCSA sent me a $25 gift card for my troubles. I asked for another update on January 09, 2023, and the RCSA said Scotiabank did not approve the gift card because they couldn't find an active account. I asked for a contact at SB, but RATES didn't give me one, so I called SB myself. I spent over 4 hours talking with SB employees over 2 weeks who couldn't find evidence that SB was contacted and denied RATES offer. I told the RCSA on January 25, 2023, what I learned from SB. My account was active for over 2 months with 2 monthly statements, but SB didn't understand why RATES would refuse the offer. The RCSA already submitted a 2nd inquiry on January 09, so I said I would wait another 5 weeks. On February 14, I asked for an update, and the RCSA said they were still waiting on SB for the second inquiry. I said I would wait 1 more week. It's February 22, 2023, and I'm tired of dealing with RATES.