Friday, October 30, 2015

Aeroplan: Distinction Benefits changes

News Link:

Starting in 2016, some of Distinction benefits will be modified. Here are the benefits affected next year:

The Air Canada Getaway Bonus is extended 
The Air Canada Getaway Bonus has been extended until December 31st, 2016. Details on some additional and exciting new destinations will be made available very soon. Ensure to travel by December 31st, 2015 to take advantage of 2015's eligible destinations.

The Fairmont preferential treatment offer is extended 
Aeroplan's Distinction members will continue to benefit from the Fairmont Preferential Treatment Offer until December 31st, 2016, when booking a stay directly at using their exclusive Fairmont Distinction Promotional Code. Make sure to complete your stay by January 15th, 2017.

Earn bonus miles at Delta Hotels and Resorts 
Delta Hotels and Resorts® is now part of the Marriott family. Starting January 1st, 2016 dBlack and dDiamond members will be able to earn 250 Distinction bonus miles on eligible stays at Delta Hotels.

The following benefits will no longer be available as of 2016 
• Distinction Flights (Sad news)
• The redemption bonus on stays at Starwood Hotels & Resorts: To ensure that you receive your 2015 Distinction bonus, book by December 31st, 2015, and complete your stay at participating Hotels & Resorts through December 31st, 2016.

All other benefits remain unchanged, and are there for you to enjoy whenever you want. This includes your favorite and most appreciated benefits like up to 35% off Market Fare Flight Rewards and Distinction bonus miles on stays at Fairmont Hotels & Resorts, Marriott and Starwood Hotels & Resorts (?? confused).

Thursday, October 29, 2015

Earn up to $20 when you fuel up at Esso with AmEx

Deal Link:
Expiry: Nov 30, 2015

You can get up to $20 (with one AmEx credit card), when you use your registered card at participating Esso stations. Only the first 20,000 eligible Canadian American Express Consumer and Small Business Cardmembers to be successfully registered are eligible for this offer. Registered cards linked to active Speedpass accounts as the form of payment are eligible for this offer. Each registered Card is eligible for two (2) statement credits of $10 (CAD) during the offer period. American Express Corporate Cards and American Express Gift Cards are excluded from this offer.

To be eligible for this offer:
• Your account must be in good standing.
• You must register in the registered Card offer from October 7, 2015 at 12:01 a.m. (EST) ending November 30, 2015 at 11:59 p.m. (EST) or when 20,000 registrations have been reached.
• Use your registered Card at participating Esso stations to make qualifying purchases during the offer period between October 7, 2015 and November 30, 2015.
• Purchases made during the offer period prior to registration of your eligible Card in this program are not qualifying purchases.

Looks like this offer might now be open to all AMEX cards. I was able to register with my AMEX Gold Rewards, SPG and SimplyCash cards. YMMV and Good Luck!

After registration, I got a message: "Thank you for registering! You’ve successfully registered your Card. Next, make up to 2 separate eligible purchases of $50 or more, on your registered Card, between October 7, 2015 and November 30, 2015. For a full list of participating Esso locations, please visit", and a confirmation email.

Wednesday, October 28, 2015

Welcome Bonus coming to an end soon (by Oct 31, 2015)

Below is a list of welcome bonus coming to an end by end of this month. You better take advantage of it while you still can:

BA will change the shorter reward flights in North America

News Link:

British Airways is going to be making a change to the Executive Club pricing structure for shorter reward flights originating or terminating within the United States of America (Basically all Zone 1 flights in North America). From 2 February 2016, reward flights will start from 7,500 Avios, instead of 4,500 Avios, plus taxes, fees and carrier charges (TFCs) from $5.60 USD.

Only those reward flights that currently cost 4,500 Avios for a one way flight in Economy, 9,000 Avios for Business Class and 18,000 Avios for First Class plus TFCs will increase; to 7,500 Avios, 15,000 Avios and 30,000 Avios plus TFCs respectively. All other Avios reward flight pricing will remain the same as it is today. The change will only affect shorter routes on American Airlines and Alaska Airlines. The majority of North American reward flight prices will remain unchanged.

This is really a bad news for us. The 4,500 Avios rewards flights are my favorites. We still have three months to book those flights before the deadline.

Tuesday, October 27, 2015

Air Canada: Get up to $150 gift card when you book flights to Japan and beyond

Deal Link:
Expiry: Dec 12, 2015

You can get one Air Canada Promotional Gift Card per passenger of up to $150 each when you book your next eligible flight to Japan or to Southeast Asia through Tokyo.

Air Canada offers a choice of flights to Tokyo-Haneda and Tokyo-Narita that can connect you beyond Tokyo to great destinations in Japan and Southeast Asia with our Star Alliance partner airlines.

The Air Canada Promotional Gift Card you’ll earn is valid until December 15, 2016 and is redeemable for future Air Canada travel anywhere in the world. To take advantage of this unique offer, register online and book your flight to or via Tokyo by December 12, 2015 for travel from November 21, 2015 to March 31, 2016.

Get up to 60,000 Aeroplan Miles with TD Small Business Banking

Deal Link:
Expiry: Oct 30, 2015

You can earn up to 60,000 Aeroplan Miles with TD Small Business Banking with following steps:
  1. Apply for the TD Aeroplan Visa Business Card and be approved by October 30, 2015, and you can get 20,000 welcome1 bonus miles
  2. You can earn 10,000 bonus miles when you spend $1000 on the card in the first 90 days
  3. You can get 10,000 miles when you open a Business Chequing Account with a TD Unlimited Business Plan or TD Every Day Business Plan.
  4. You can get 10,000 miles when you open a Merchant Services Credit/Debit payment Processing Service
  5. You can get 10,000 miles when you open a Loan or Line of Credit with a minimum limit/amount of $50,000
In addition to these, if you apply your credit card in branch, you may get extra 30,000 Aeroplan miles when you add an additional cardholder. 

Note: The annual fee for the TD Aeroplan Visa Business card is $149 ($49 for one additional cardholder). But it is still worth it, if you can get all those bonus miles.

Saturday, October 24, 2015

IHG Rewards Club PointBreaks (released Oct 2015)

Deal Link:
Expiry: Oct 31, 2015

IHG Rewards Club has released their latest IHG Rewards Club PointBreaks. I think the PointBreaks is one of the best hotel points deals around. With the PointBreaks promotion, you can take advantage of 5000 point Reward Nights! Each Reward Night at these participating hotels will be only 5,000 IHG Rewards Club points for bookings and stays from October 26, 2015 through January 31st 2016 (subject to availability). You need to book before Oct 31, 2015.

You can find the full list of hotels participating in the IHG PointBreaks promotion in the map as follows:

Friday, October 23, 2015

Air Canada Altitude Students Program

Deal Link:

Air Canada is launching a new and exciting program designed to offer students the unique opportunity to enjoy special travel offers and exclusive perks:  Altitude Students.

Any student currently enrolled at an eligible Canadian post-secondary institution can join for free. Once signed up, those students can get offers from Air Canada, such as:
  • A one-time discount of up to 15% on an eligible Air Canada booking
  • Discounts on Air Canada Vacations packages
  • A complimentary Inflight Wi-Fi session
As an added perk, students will also have the opportunity to go on an exclusive package vacation to Ixtapa, Mexico! This unique experience is offered during the February reading week with all seats on the flight reserved solely for Altitude Students. Best of all, this exclusive trip is available at a great price! In addition, students who enroll by November 6, 2015 will have the chance to win cool travel prizes.

Note: To sign up this program, you need a student ID and an Aeroplan Number.

Thursday, October 22, 2015

Get $10 when you shop online (Scotiabank clients ONLY)

Expiry: Oct 31, 2015

Register your Scotiabank debit or credit card with Visa Checkout before Oct 31, 2015, and you can get a $10 credit when you shop at your favourite online retailers (Cineplex Entertainment, Indigo, Staples, Roots, or Pizza Pizza) using Visa Checkout.

Wednesday, October 21, 2015

Aeroplan: 5X Miles on purchase through eStore

Deal Link:
Expiry: Oct 26, 2015

Aeroplan is offering 5X Aeroplan Miles on purchases made through the Aeroplan online eStore before Oct 26, 2015. 100+ retailers are included. Please go to the website for more details.

GCR: Get $75 bonus for Capital One Aspire Travel WEMC

Deal Link:

The GCR bonus for Capital One Aspire Travel WEMC is back (still $75).

Some information about Capital One Aspire Travel World Elite MasterCard:
1) Earn 2 reward miles for every $1 – on all purchases (full 2% return)
2) Get 40,000 bonus reward miles when you spend $1,000 on net purchases in the first 3 months after account opening (value of $400 in travel)
3) Annual fee of $150
4) World Elite MasterCard benefits:
                • Travel Emergency Medical
                • Trip Cancellation
                • Trip Interruption
                • Flight Delay
                • Baggage Loss
                • Baggage Delay
                • Travel Accident Insurance
                • Travel Assistance
                • Car Rental Collision/Loss Damage Waiver
                • Price Protection Service
                • Extended Warranty
                • Purchase Assurance
                • World Elite MasterCard Concierge Services

So, for the 1st year, you can get $325 ($475 welcome bonus - $150 annual fee), which is not bad for a full 2% WEMC. If you like, you can churn this card as well. Note: A requirement of this card is personal income > $70,000 or household income > $120,000.

BTW, if you apply this credit card through GCR, you will get additional $45 cash back Rebate until Jun 10. If you don't have a GCR account, you can use our referral link ( ), with which you can get extra $2.5 from GCR (and we can get bonus too. Our email is: We appreciate you using our links where possible.

UGO Wallet: Get a $20/$30 gift card (Expired)

Deal Link:
Expiry: Oct 25, 2015 (while supplies last)

Start your UGO Wallet and you could get Indigo e-gift card in 3 easy steps:
1.Register before October 25th with your email address
2.Download the free UGO Wallet app
3.Add a card to your UGO Wallet by October 25th

This offer is exclusive for TD Customers. Individuals who complete the above actions with the addition of a loyalty or gift card are eligible to receive a $20 Indigo e-gift card and individuals who complete the above actions with the addition of a participating TD Credit Card are eligible to receive a $30 Indigo e-gift card. Eligible Participants are eligible to receive only one e-gift card of the greatest value for which they qualify.

The participating TD credit cards are as follows: TD Aeroplan Visa Infinite Card, TD Aeroplan Visa Infinite Privilege Card, TD Aeroplan Visa Platinum Card and TD First Class Travel Visa Infinite Card, TD Emerald Visa Card, TD Platinum Travel Visa Card, TD Classic Travel Visa Card, TD Drivers Rewards Visa Card, TD Rebate Rewards Visa Card, TD Gold Elite Visa Card, TD Gold Select Visa Card and TD Green Visa Card.

Note: This offer is only limited to first 13, 000 Eligible Participants.

Monday, October 19, 2015

Cineplex Community Day with FREE movies

Deal Link:
Expiry: Oct 24, 2015 Only

Oct 24, 2015 is the Cineplex Community Day. You can watch FREE movies on the morning of Oct 24. Doors open at 8:30am with a great selection of FREE movies beginning at 9:00am. Select popcorn, drinks and candy will be sold for only $2 each with 100% of the proceeds donated to Free The Children! And, you can get 100 SCENE points when you spend $10 or more.

Saturday, October 17, 2015

BMO World Elite Mastercard: no annual fee for 3 years with $400 welcome bonus (travel credit)

Deal Link:

BMO is offering a special offer for Grand Cru Supports:
  • No annual fee for 3 years for BMO World Elite Mastercard (normally $150/year). 
  • Welcome bonus 40,000 BMO points, which equates to $400 in travel credits (normally $300). 
This credit card is great as you can get 2% return from credit card spending with great insurance benefits and Priority Pass lounge access.

BMO provided a similar offer last year. Many people did get 3-years FREE on this card. As BMO mentioned in the terms: "So SIGN UP TODAY and tell your friends and family too!". It is possible that you can get the card without being a Grand Cru Supporters. YMMV.

Thursday, October 15, 2015

Scotiabank to Acquire JPMorgan Chase Credit Card Portfolio in Canada

Deal Link:

From the news: Scotiabank  and JPMorgan Chase announced today that the two companies have reached an agreement under which Scotiabank will acquire a MasterCard and private label credit card portfolio and the related credit card operations from JPMorgan Chase.

The credit card portfolio includes approximately $1.7 Billion in receivables and 2 million well-performing active customer accounts. The agreement also includes the acquisition of JPMorgan Chase's credit card operations in Canada. These operations include a highly-skilled bilingual call centre in Ottawa with fraud, collections, recovery and customer service expertise.

The JPMorgan Chase credit card portfolio being acquired is a MasterCard and private label credit card portfolio, currently associated with Sears Canada Inc. As previously communicated by JPMorgan Chase, the agreement with Sears Canada comes to an end on November 15, 2015. Scotiabank is committed to ensuring a smooth transition for all customer.

Upon closing of the transaction, Scotiabank will become the first bank in Canada to offer customers Visa, AMEX and now, MasterCard credit cards.

Just want to know, what will happen to Chase Canada? As after this, Chase Canada will only have 2 credit cards (Amazon Visa and Marriott Visa). Will Chase Canada sell them to some other Canadian banks too?

Wednesday, October 14, 2015

WestJet: Save up to 25% off

Expiry: Oct 16, 2015

You can save up to 25% off on your next WestJet flight. Just use the promo code, coupon code and add your WestJet Rewards ID when you book by October 16th, 2015. The travel date could be from now to Feb 10, 2016 (blackout dates apply).

Tuesday, October 13, 2015

ZenBanx: Sign up, Shop or Send Money and get $50

Deal Link:
Expiry: Dec 31, 2015 (Only the first 5000 customers)

You can get CAD $50 credit when you:
  • Sign up for a Zenbanx account
  • Shop using your Zenbanx Debit Card in Canada, the US or abroad OR Send money to a loved one in the Canada, the US or abroad.
Any combination of 3 of the above transactions valued at $50 CAD or more before December 31, 2015, will qualify you for this $50 CAD credit. For example, you can just shop 3 times (each transaction > $50) using the Zenbanx Debit Card in Canada to qualify for this promotion. You can also send money to 3 of your friends and they send the same amount back to you to be qualified.

ZenBanx is backed by DUCA credit union and insured by DICO. There is no fee to open account (although there is a $25 dormant fee if account is inactive for that long). ZenBanx offers debit cards accessible on the CIRRUS and the EXCHANGE network. You can set up and link to initial bank account via uploading a cheque image. It is free to transfer CAD money between linked bank accounts. ZenBanx fees are all listed here:

Note: this is for NEW customers, and only the first 5000 customers will be eligible for this offer! If you are interested in this offer, you can use following ZenBanx referral link to sign up and get another $10:

PC Financial: Earn 2.6% interest on all NEW deposits

Deal Link:
Expiry: Oct 31, 2015

The President’s Choice Financial is offering a promotional interest offer of 2.6%. To participate in the Offer, you need to enrol or accept the Offer between October 1, 2015 and October 31, 2015. After that, you can get 2.6% interest on all NEW deposits between Oct 1 and Dec 31, 2015. The eligible accounts are:
  • No fee bank account
  • Interest Plus savings account
  • Interest Plus RRSP
  • Tax-Free Interest Plus™ savings account

As you may know that Tangerine is offering 2.4% interest to new clients now. So, PC Financial is a little better than Tangerine on the promotional rate.

Monday, October 12, 2015

Accor Hotels: Crazy Prices Promotion

Deal Link:
Expiry: Oct 16, 2015

Accor Hotels is currently offering a Crazy Prices promotion: you can get up to 40% off your stay with free breakfast every day. To enjoy this promo, you need to book before Oct 16 and travel between Nov 1, 2015 and Apr 30, 2016. Pretty good hotel prices, from my point of view.

Note: you need to join the Accor Hotels Loyalty Program first.

Sunday, October 11, 2015

Book a Best Western hotel through the APP and get 5000 bonus points

Deal Link:
Expiry: Nov 22, 2015

Now, you can download the new Best Western to Go Mobile app from their website. And if you book your next stay at a Best Western hotel through the app or on a mobile device before Nov 22, 2015, you will get 5,000 bonus points for your 1st stay. Besides, you can also get 1,000 bonus points for any additional stays you book through a mobile device.

BTW, you can earn 40,000 Best Western Rewards points with MBNA Best Western Rewards MasterCard. Please see details below:

Saturday, October 10, 2015

Bank with CIBC and Get a Year of Coffee FREE

Deal Link:
Expiry: Feb 29, 2016

You can get a year of Tim Hortons coffee for free, when you apply and activate a CIBC Tim Hortons Double Double Visa card and follow 3 steps as follows:
  1. Open a new CIBC chequing account by February 29, 2016: CIBC Unlimited Chequing Account OR CIBC PremierService Account.
  2. Receive $25 in Tim Cash when you use CIBC Mobile Banking or CIBC Online Banking to pay a bill, send an INTERAC e-Transfer or deposit a cheque with CIBC eDeposit.
  3. Receive free coffee for 1 year when you complete a recurring direct deposit or 2 different pre-authorized payments from your new eligible CIBC chequing account.
If you like to buy one medium coffee per day, you should attend this promotion. Please go to CIBC website to see more details of this offer.

Thursday, October 8, 2015

Costco: Earn 2X Aeroplan Miles

Deal Link:
Expiry: Oct 12, 2015

You can earn 2 Aeroplan Miles for every dollar spent on, from October 8 to 12, 2015. Aeroplan Miles are credited on the purchase price of products offered online at and will not include shipping and handling, tax or other additional charges.

News about Capital One Aspire Travel WEMC

I got an email from Capital One today, saying they’ve made some exciting changes to the travel rewards program of Capital One Aspire Travel WEMC:
No more redemption tiers! 100 reward miles = $1 in travel so you’ll always receive full value for your reward miles for travel.
No more minimum redemption requirements! You can literally redeem for cents.
Introducing partial redemptions! Redeem on a portion of a transaction – for example, redeem half of an overseas flight.

This is really a good news as the redemption is easy, and we can get full 2% return from this card. BTW, this card will soon offer a 40,000 bonus reward miles welcome bonus when you spend $1,000 on net purchases in the first 3 months. Also the annual fee will rise to $150. So, it is kind like you get $250 bonus with FYF.

Wednesday, October 7, 2015

Marriott: Introducing the Fab Four

Marriott will make an announcement next week about the improvement of their Rewards Program. The major 4 improvements are as follows:

1. Points Advance
Available now! Marriott Rewards and The Ritz-Carlton Rewards members are able to book redemption stays before having sufficient points to cover the cost of that stay. 【WOW, really!?】

2. Points Sharing
Beginning Oct. 12, 2015 Marriott Rewards and The Ritz-Carlton Rewards members will have the ability to share points with friends and family. Members can transfer up to 50,000 points from their account each year! 【This is nice.】

3. Redemption Stay Credit
Starting Nov. 1, 2015 Marriott Rewards and The Ritz-Carlton Rewards members will earn  Elite night credit on redemption nights paid for with points. 【Good news for people want to reach lifetime Elite status】

4. NEW Cash + Points
Coming in early 2016, the NEW Cash + Points will give Rewards members the flexibility to use a mix of cash and points to cover single or multi-night redemption stays. 【Hope this NEW one is better than the old one】

These are really good changes and will bring values to Marriott Rewards members. More information regarding the Fab Four will be provided on Monday, October 12 (gift for the Thanksgiving Day!).

Tuesday, October 6, 2015

Convert your RBC Rewards points to WestJet and get 20% more

Deal Link:
Expiry: Nov 15, 2015

All eligible RBC Royal Bank cardholders and other clients that earn RBC Rewards points have the option of converting their points into WestJet dollars which can be applied like cash towards WestJet marketed and operated flights and WestJet Vacations packages, at any time, for travel to any of WestJet’s destinations in Canada, the US, Mexico, the Caribbean and Europe - even during seat sales!

Before Nov 15, 2015, when you convert your RBC Rewards points to WestJet dollars, you will receive 20% more WestJet dollars!

Tangerine Money-Back MasterCard Review

Deal Link:

Finally, Tangerine released its first credit card, Money-Back MasterCard:
  • No annual fee.
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 1% Money-Back Rewards on all other purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.
  • Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.
  • 1.5% Foreign Conversion Fee – one of the lowest in market
  • Free Cards for Authorized Users on your Account
  • Purchase Assurance and Extended Warranty
Tangerine also posted the 10 categories you can choose from for 2% cash-back:
  • Groceries 
  • Restaurants 
  • Drug store
  • Entertainment 
  • Furniture 
  • Gas
  • Hotel/motel
  • Home improvement 
  • Parking/public
  • Recurring bills
With no fee, this is a go-to card for students, new grads, first-time credit card applicants and those without 60K in personal income. Now, you can register for the Preview of the card (but without any welcome bonus).

If you want to get the 3rd 2% Category, you need to open a Tangerine Saving Account. Please see following link for recent Tangerine promotions for opening account:

Monday, October 5, 2015

GCR: Cash back rebates for credit cards (updated Oct 2015)

Deal Link: probably is the best cash back website in Canada. I've earned a few hundred dollar in cash back from GCR alone, and I always check GCR first for all my Canadian online purchases.

GCR always has awesome promotions on many credit cards.  When you sign up for those credit cards through GCR, you’ll get cash back rebates plus the original welcome bonus. For example, if you apply TD Aeroplan Visa Infinite through GCR, you will get the $60 GCR bonus + the 25000 Aeroplan miles from TD.

Currently, there are some really good credit cards listed on GCR with high bonus, as follows:
  • TD Aeroplan Visa Infinite: $50【It is better than the CIBC Aerogold Visa Infinite,as no GCR bonus for CIBC credit cards】
  • MBNA Smart Cash MC: $60【In first 6 months, 5% cash back on gas station/grocery shops】
  • MBNA Alaska Airlines WEMC: $60【From my point of view, Alaska Miles is better than Aeroplan Miles】
  • MBNA Rewards World Elite MC: $60【FYF, $100 points from MBNA, 2% return for everything, plus $60 from GCR. You should not miss this one】
  • AmEx Business Gold Rewards Card: $65
  • AmEx Gold Rewards Card: $50
  • AmEx Air Miles Platinum: $30【AmEx 2000 Air Miles is the highest offer for all Air Miles credit cards】
  • AmEx SPG Credit Card: $30
  • Scotiabank Momentum Visa Infinite: $55
  • Scotiabank GM Visa: $40【If you want to buy GM cars in the near future, you should apply this one】

If you want to sign up for GCR, please use my referral link as follows: , and input my . GCR will give you extra $2.5 bonus (I will also get some bonus. Thanks).

Community Savings Credit Union: Get up to $300 for opening account (BC only)

Deal Link:

Switch to Community Savings Credit Union and you could get up to $300 deposited into your account:
  • $100 for opening an account with a minimum $100 deposit;
  • $100 for setting up payroll/pension deposits or transferring business chequing account;
  • $100 for opening an approved lending/deposit product. Includes: RRSP/RRIF, TFSA, Term Deposit, Line of Credit, Loan or Mortgage.
Note: As a co-operative financial institution, Community Savings Credit Union is now BC’s 16th largest credit union with assets totaling over $454 million. In addition to the head office, the credit union has 6 branches located in Metro Vancouver and Victoria. I assume this offer is for BC people only.

Friday, October 2, 2015

BMO cardholder can earn double points when flying with Porter

Deal Link:
Expiry: Nov 13, 2015

Exclusive to BMO cardholders (BMO Rewards MasterCard and BMO World Elite MasterCard), when you book any return flight before November 13th, 2015, using your BMO Rewards credit card, you’ll earn double BMO Rewards points! So, for BMO World Elite MasterCard, you can get 4% return.

Thursday, October 1, 2015

WOW Air: Fly from Montreal/Toronto to Iceland for $99

Deal Link:

Launched in 2011, the discount airline, WOW Air, has grown quickly and has offered deeply discounted flights with few amenities to European travellers for several years. It has unveiled a plan to fly from Montreal or Toronto to Iceland for $99 one way and travel to numerous destinations in Europe for $149. The fares are so great and the available seats are limited. You better act fast if you have Europe travel plan.