Monday, November 28, 2016

Best Buy: $10 off $100 Visa Checkout

Deal Link:
Expiry: Dec 2, 2016

Best Buy's Cyber Monday deals are coming. You can get $10 off your purchase of $100 or more when you use Visa Checkout to pay for your order on Best Buy before Dec 2, 2016.

Friday, November 25, 2016

Ebay: $200 Petro-Canada Gift Cards for $194 + a bonus $25 Fuel Savings Card

Deal Link:

Now, you can $200 Petro-Canada Gift Cards for $194 + a bonus $25 Fuel Savings Card from (Free Shipping). If you don't like the PC cards, you can choose the $100 Sears Gift Card for $95 (with the same seller).

You can buy this through Air Miles Shops and get 21X Air Miles (almost extra 10% off). Please read the details at:

Last but not least, you can choose Paypal as the payment method, and get a $20 coupon to use on your next purchase between Dec 15-22, 2016.

Updated on Nov 28, 2016:
Some of my friends already got the 21X Air Miles for the Petro-Canada gift cards.

Unfortunately: the Petro-Canada gift cards are out of stock now. The same seller now has the following gift cards on sale:

Thursday, November 24, 2016

Shoppers Optimum: Spend Your Points Plus Event

Expiry: Nov 26 - Nov 27, 2016

From Saturday, November 26, 2016 to Sunday, November 27, 2016, you can spend 50,000 Shoppers Optimum Points and get up to $85 OFF PLUS get $20 worth of points back. That’s a $105 savings value! OR spend 95,000 points and get up to $170 OFF PLUS get $40 worth of points back. That’s a $210 savings value!

The $20 worth of points back on 50,000 points level redeemed is equivalent to 16,000 Shoppers Optimum Points. The $40 worth of points back on 95,000 points level redeemed is equivalent to 30,000 Shoppers Optimum Points. Shoppers Optimum Points will be awarded by December 12, 2016.

Note: Offer excludes prescription purchases, products with codeine, non-pointable items, tobacco products (where applicable), stamps, passport photos, lottery tickets, event tickets, transit tickets and passes, gift cards, prepaid phone cards, prepaid card products and Shoppers Home Health Care locations. Not to be used in conjunction with any other Shoppers Optimum Points promotions or promotional card offers.

Wednesday, November 23, 2016

Costco: 5X Aeroplan Miles

Deal Link:
Expiry: Nov 28, 2016

You can earn 5X Aeroplan miles for every dollar spent on from Nov 24 to Nov 28, 2016.

Note: 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. If the product you are purchasing has a discount or promotion, you will not be credited Aeroplan Miles for the amount of the discount or promotion.

Ineligible purchases include: new Costco memberships, Costco membership renewals, gift of membership, tires, Costco Cash Cards, custom installation services, travel and online digital print orders. Aeroplan Miles will not be awarded on cancelled or returned orders.

Tuesday, November 22, 2016

Air Canada 15% off (Targeted)

Expiry: Dec 10, 2016

If you are a AmEx cardholder, you may receive one email from AmEx that you can enjoy 15% off for all Air Canada Flex, Latitude, Premium Economy and Business Class fares (not including Tango) before taxes and fees, to anywhere Air Canada flies.

You need to book before Dec 10, 2016 and travel between Jan 9 to Feb 28, 2017. At time of booking, you need to use the personal promotion code in the email along with your American Express Card (personal promotion code is valid for one-time use only).

Monday, November 21, 2016 is offering free Equifax credit score is offering a free credit score now (just like mogo, borrowell, credit karma). Their score is based on Equifax. One of the good things: this score is available to QC residents.

From Ratehub's FAQ, this check should be a "soft" credit inquiry and does not affect the score.

But one of our readers reported to us, that he checked his Equifax report right after checking his score on He found one hard pull and one soft pull from CANWISE Financial.

We don't want to make any conclusions now. We just list the facts here... 【YMMV】

Updated on Nov 22, 2016: 

RateHub is aware that a hard credit score pull was occurring through Equifax and appearing as RateHub's mortgage brokerage "CanWise Financial". The error was identified immediately to Equifax and RateHub worked closely with the bureau to correct it for the roughly 50 affected users.

If you were impacted by a hard pull, this has been reversed by Equifax, though it may take up to 24 hours for your credit report to be updated. A select number of early users of RateHub's free credit scores may also see the company's soft inquiry appear as CanWise Financial.

Rest assured, RateHub's free credit scores are soft inquiries only, as an educational tool to help users select financial products that are best suited to them. A soft pull does not affect your credit score and RateHub free credit score users will not see any impact to their scores.

Air Miles Shops: Get 20X Miles

Deal Link:
Expiry: Nov 30, 2016

You can get 20x AIRMILES reward miles on qualifying purchases of $20 CDN or more, excluding shipping, duty and taxes, made in a single transaction between November 21 and November 30, 2016. Offer applies to the total base reward miles earned on qualifying purchase amount excluding shipping, duty and taxes. Bonus reward miles will be posted to your Collector Account within 75 days after the promotional period.

Base offer may vary per store, click on store logo at for details. Collectors must sign in at before purchasing in order to earn reward miles. Offer can be combined with other Bonus reward miles offers.

Just FYI: if you haven't used within the past 12 months, you can click the following our referral link and input your Air Miles #. Then, you can get 5 bonus Air Miles for every $50 you spend within the first 90 days of accepting the referral. We will get some bonus miles from Air Miles too. Thanks. The referral link is:

Note: This offer is valid on the purchase of gift cards only at online retailers who regularly offer reward miles on gift card purchases. See for details. This offer does not apply to purchases made at Rogers Magazine subscriptions , Texture by Next Issue, or made at travel online stores.

Updates on Nov 25, 2016:
I made a order through on Nov 23 and I got the 22X miles today.

Meridian Credit Union: 1.5% + 1% interest rate on new deposit

Deal Link:
Expiry: Feb 28, 2017

You can get a 1% Cash Bonus on new deposits (so totally interest 2.5%) with Meridian high interest saving account.

  • New Assets must be received into a Qualifying Account not later than 4:00 p.m. Toronto time by February 28, 2017. 
  • New Assets received on or before February 28, 2017 must remain in the Qualifying Account until December 15, 2017 (the “Hold Date”). Transfers between Qualifying Accounts are permitted.
  • The Member must transfer in a minimum of $10,000 per Member from an account held at another financial institution. 
  • The maximum bonus payable is $500 per Member.
Please check the detailed terms:

Sunday, November 20, 2016

Porter Flights starting at 8000 Aventura Points

Expiry: Dec 31, 2016

Until Dec 31, 2016, you can redeem your CIBC Aventura points for Porter Airlines flights starting at 8,000 points.

This limited time Aventura Points offer is per person for a roundtrip flight on Porter Airlines and is subject to availability and excludes taxes, fuel surcharges and applicable fees. All flight bookings must be made between November 1, 2016 and December 31, 2016 for travel between November 15, 2016 and April 30, 2017.

Note: This offer applies to new bookings only. Tickets are non-refundable. This offer is not available from November 23 – 27, 2016 for all transborder routes only; December 20, 2016 – January 4, 2017; February 16 – 21, 2017; March 9,10,12,16, 17, 19, 2017; April 13 – 18, 2017.

All flight bookings must be made at least 10 days prior to departure date. This offer is applicable to Aventura Points redemptions only.

Saturday, November 19, 2016

TD: Open a new Chequing account and get $300 (Nov. 2016)

Deal Link:  or

Open a new TD Chequing Account with unlimited transactions and you could get $300:
1) Fill out the online form and you’ll receive an important offer confirmation email.
2) Visit a local TD Canada Trust branch with your confirmation email within 30 days of receiving it, and open an All-Inclusive Banking Plan or Unlimited Chequing Account.
3) Once your new chequing account is successfully opened, complete two of the following to receive your $300: a. A Direct Deposit to your new account; b. A minimum $50 pre‑authorized debit; c. A minimum $50 Canadian or US online bill payment through EasyWeb (including the TD app)

Note: Individuals who (i) have an existing TD chequing account or had one that was closed after November 1, 2015, or (ii) have not received the offer confirmation email directly from TD Canada Trust and/or have not completed an offer form submission online, are not eligible.

SPG More for You

Deal Link:
Expiry: Nov 30, 2016

You can register for SPG "More for You" promotion by November 30, 2016. And from now through December 18, 2016, you’ll earn:
  • Double Starpoints on weekday stays of two or more nights
  • Triple Starpoints on weekend stays of two or more nights that include a Friday or Saturday night
Plan your fall getaway through December 18, 2016 and rake in the Starpoints. And don't forget to pay with your AmEx SPG or Chase Marriott Visa, if you have one.

Friday, November 18, 2016

Best Western: Spin for Smiles

Deal Link:
Expiry: Nov 25, 2016

To celebrate 70 years of hospitality with Best Western, BW is offering a chance to win big by playing "Spin for Smiles" on each Friday in November. It is strange that I only get the offer email from BW today. So, I missed the first 2 plays...

Thursday, November 17, 2016

Swagbucks: Scotiabank Credit Cards Promotion

Swagbucks is offering 7500 - 10000 SB bonus (value $75 - $100) for 4 different Scotiabank credit cards. And you can also get FYF for Scotia Momentum Visa Infinite Card and Scotiabank Gold AmEx Card, plus the normal welcome bonus provided by Scotiabank.

This is a good promotion. Once you log-in Swagbucks, you can find these offers in "Featured Ways to Earn". And if you are not Swagbucks user now, you can also get $5 bonus referral bonus by registering Swagbucks in Nov: 

Credit Karma is launched in Canada now

Deal Link:

Credit Karma is a free credit and financial management platform for US consumers available on the web and major mobile platforms. Founded in 2007, it provides free weekly updated credit scores and credit reports from national credit bureaus TransUnion and Equifax, alongside daily credit monitoring from TransUnion for US people.

Now, Credit Karma is launched in Canada. We can enjoy free credit score and report from Credit Karma. It only takes about two minutes to sign up. I just did this afternoon. And the score they provide are from TransUnion. You can get more credit report details from Credit Karma. All these are free. And, checking your credit on Credit Karma won't hurt your score.

Note: Credit Karma won't be in Quebec, the Northwest Territories, Nunavut or Yukon just yet.

Tuesday, November 15, 2016

Updates on AmEx SPG and Chase Marriott Visa

A really good news for Canadian AmEx SPG cardholders. You can earn 2 Starpoints for every dollar of eligible purchases charged to the Card at participating SPG & Marriott Rewards hotels from November 15, 2016 through November 15, 2017. You can still earn 1 Starpoint for every $1 in all other purchases charged to the Card.

At the same time, Chase Marriott Visa cardholders can also enjoy the similar benefits. Beginning on December 1, 2016, use your Marriott Rewards Premier Visa Credit Card, you can earn five Marriott Rewards points for dollar spent at participating SPG hotels, just like you do at participating Marriott hotels.

I have both cards, and I will use AmEx SPG in Canada and use Chase Marriott Visa outside of Canada.

Monday, November 14, 2016

McDonald's: Free Big Mac or McChicken

Expiry: Dec 26, 2016

McDonald's is offering a free Big Mac or McChicken with the purchase of a $25 gift card from Nov 14 to Dec 26, 2016. Free sandwich may be redeemed at time of purchase or you can request a coupon for use at a later date. The coupon is good until March 26, 2017.

BTW, you can also get a FREE small hot brewed Premium Roast coffee between Nov 14 to Nov 20.

AmEx: Shop the Web to win the all-new 2017 Audi A4 Technik

Deal Link:
Expiry: Dec 31, 2016

Register online with this new AmEx offer, then shop the web for a chance to win the all-new 2017 Audi A4 Technik Sedan, complete with Audi virtual cockpit. You can get one entry to the Contest for each online and in-app purchase.

It’s easy to get started – just follow these two steps:
  1. Register your eligible Consumer or Small Business American Express Card between November 14, 2016 and December 31, 2016. 
  2. Shop Online & In-app with your registered American Express Card by December 31, 2016 at participating Canadian merchants. 
The full list of participating Merchants can be found at during the contest period. Each eligible qualifying purchase will result in a contest entry.

There is no limit to the number of entries you can receive during the contest period when you use your registered Card. One (1) entry will be awarded for each eligible qualifying purchase charged to your registered Card online or in-app at a participating Canadian merchant.
Note: American Express Corporate Cards and American Express Gift Cards are excluded from registering in this Registered Card contest.

Spend $25 with, Get a $25 credit from American Express (Targeted)

Expiry: Dec 31, 2016

There is an AmEx offer right now. This offer is only available to Canadian Basic American Express Consumer and Small Business Cardmembers that have been sent this offer by email. Only the first 25,000 Cardmembers to successfully register will be eligible for this offer. So, you need to be quick.

After registration, use your registered Card to make a single purchase or cumulative purchases that total $25 or more (after taxes & shipping), between November 14, 2016 – December 31, 2016. Then you will get $25 statement credit from AmEx.

Note: The Card registered must be the same Card used at as the method of full payment. Using ‘Pay with Points’ and points for purchase(s) are excluded from this offer.

Saturday, November 12, 2016

Esso Gift Card Package

Deal Link:
Expiry: Jan 2, 2017

As I mentioned before, there is no need to buy Esso PRICE PRIVILEGES card. Esso Gift Card Package is back. Esso has the similar promotion last year.

The PRICE PRIVILEGES cards will be available at participating Esso stations in Canada from November 8, 2016 to January 2, 2017 or while quantities last. Customers who purchase a $50 Esso Gift Card will receive a PRICE PRIVILEGES card with a fuel savings of 5 cents per litre on 100 litres. Customers who purchase a $100 Esso Gift Card will receive a PRICE PRIVILEGES card with a fuel savings of 5 cents per litre on 200 litres.

Note: The PRICE PRIVILEGES card expires on June 30, 2018 or when the litre value of the card has been fully used, whichever comes first, and has no value until it is activated.

Thursday, November 10, 2016

Canadian Tire: Big Bonus Day

Expiry: Nov 12, 2016

Nov 12th is the BIG bonus day of Canadian Tire. You can collect 30X e-Canadian Tire 'Money' on all merchandise purchased in-store at Canadian Tire when you pay with your Canadian Tire Options MasterCard.

Note: You can only use the earned CT Money in CT stores. 30X is not 30% return. That's actually 12% return, which is still quite good.

Wednesday, November 9, 2016

PC Financial (WE) MasterCard: Get a $100 Gift Card + 20000 PC Points

Deal Link: is offering promotion on PC Financial (World Elite) MasterCard. You will get a $100 gift card and up to 20000 PC points, if you apply them through You can choose your Gift Card from iTunes, Starbucks, Cineplex and Ultimate Dining.

Tuesday, November 8, 2016

Marriott: Earn up to 1600 points

Deal Link:
Expiry: Dec 17, 2016

Connect your Facebook, Instagram and Twitter profiles to your Marriott Rewards account for 500 points each (a total of 1,500 points) before Dec 17, 2016. And, if you choose to follow Marriott Rewards on Twitter and Instagram, you'll get an additional 50 points each. So, you can get up to a total of 1,600 Marriott points.

RBC: Receive $300 When You Open a New All-inclusive Banking (Targeted)

Deal Link:
Expiry: Jan 31, 2017

This is a targeted offer. If you have RBC credit card/mortgage/saving account, you may get it from RBC email. You can receive $300 cash when you open a new eligible RBC Royal Bank account by January 31, 2017 and complete the two steps outlined below before March 31, 2017. RBC will deposit $300 directly into your new banking account.

Switch to RBC in 2 Easy Steps:
1. Open your account by January 31, 2017
2. Complete either your Payroll Direct Deposit or Two Pre-Authorized Payments by March 31, 2017

Note: Your Eligible Personal Banking Account must remain open and in good standing, and the Qualifying Criteria you performed to get the Cash Reward (such as payroll/pension deposit or pre-authorized payment) must remain in effect until March 31, 2018.

Monday, November 7, 2016

Convert your hotel points to Aeroplan and get up to 30% bonus (Targeted)

Expiry: Dec 12, 2016

This is a targeted offer, but many of my friends (including myself) got this email offer from Aeroplan.  So, you should go and check you email box. It's a good offer to convert your hotel loyalty points into Aeroplan Miles. On top of the miles you'll get when you convert your points from Nov. 7 to Dec. 12, 2016, you could get up to 30% more miles. The bonus miles are as follows:

As usual, AmEx Membership Rewards points and CIBC Aventura points are not eligible for this bonus miles promotion.

Friday, November 4, 2016


Deal Link:
Expiry: Nov 30, 2016

Visa Canada is offering a $10 credit to cardholders who spend $50 or more at grocery stores in Manitoba. To qualify, all they have to do is enrol their credit card number before Nov. 30 and make their qualifying purchase within 15 days of enrolling.

The offer doesn't mention Walmart, but the offer clearly has the potential to impact Walmart because, as of Oct. 24, 2016, it no longer accepts Visa card at its 16 Manitoba stores.

Shoppers: Get 8000 points when you spend $200 or more on gift cards

Deal Link:
Expiry: Nov 11, 2016

You can get 8000 Shoppers Optimum Bonus Points When you spend $200 or more on 2 or more gift cards in Shoppers Drug Mart Stores.

Offer limited to three (3) eligible transaction per Optimum cardholder number.  Maximum of 8,000 Bonus Points per eligible transaction regardless of total dollar value of transaction.  All products must be purchased within the same eligible transaction. Offer valid from November 5, 2016 to November 11, 2016, while quantities last.  Points to be awarded to your account by Friday, November 18, 2016 for eligible transactions.

2 CIBC credit cards are no longer offered

Unfortunately, 2 CIBC credit cards are no longer offered: Petro-Points MC and TELUS Rewards Visa. From my points of view, these 2 cards are so so, but this is still a loss for us. I want to move to United States...

Thursday, November 3, 2016

Carlson: Extra 5000 Aeroplan Miles per Stay

Deal Link:
Expiry: Dec 31, 2016

Take Off with More Miles when you register and stay at Radisson Blu, Radisson, Park Inn by Radisson and Country Inns & Suites By Carlson.

Club CarlsonSM members who register for the Take Off with More Miles offer and complete an Eligible Stay at participating hotels by December 31, 2016 can earn 5,000 bonus Aeroplan Miles:
  • Online registration is required with your Aeroplan number
  • Complete an Eligible Stay by December 31, 2016
  • Present your Club Carlson member number at check-in for your stay and earn 20 Gold Points® per dollar spent
  • Earn 5,000 bonus Aeroplan Miles in addition to earned Gold Points

Get up to 35,000 miles with TD Aeroplan Visa Infinite Card

Expiry: Dec 2, 2016

You can get up to 35000 Aeroplan miles when you apply a new TD Aeroplan Visa Infinite Card before Dec 2, 2016. 

To get all the 35000 miles, you need to:
This is probably the best offer for this TD  credit card. It is definitely better than the current CIBC Aerogold Visa Infinite offer. Remember, you need to keep this card 12-month to get the 5000 anniversary bonus miles.

Wednesday, November 2, 2016

Buy SPG points and get up to 50% off

Deal Link:
Expiry: Dec. 31, 2016

You can buy Starpoints for yourself or as a gift, now through December 31, 2016, and get up to 50% off the regular price. Minimum purchase of 5,000 Starpoints required. Each SPG member may have his/her own discount, 25% off, 30% off, 35% off or 50% off.

Unfortunately, I only get a discount of 25% off. But if you can receive a 50% off, that is a pretty good deal and  it is SPG's highest discount yet. If you want, you can also convert SPG points to Marriott Points with the 1:3 ratio.

Swagbucks $5 Referral Bonus

Deal Link:
Expiry: Nov 31, 2016

We introduced the Swagbucks Rewards before:

From now to Nov 31, 2016, Swagbucks is offering their biggest referral bonus ever! You and your new referrals could both earn a 500 SB Bonus! Here’s how to get your 500 SB Bonus for you and your new referral:
  1. Refer someone between Tuesday, November 1st and Wednesday, November 30th.
  2. When the referral earns 300 SB by November 30th you’ll both earn a 300 SB Bonus.
  3. Also, when the referral makes a qualifying purchase through Swagbucks Shop of $25 or more before December 1st you’ll both earn a 200 SB Bonus.
  4. That’s it. That’s two SB Bonuses for a total of 500 SB!
Note: Your referral must receive their shopping SB before January 1, 2017 in order for you both to receive your 200 SB Bonuses.

From my point of view, the requirements are pretty easy. It took me less than 3 days (half hour per day) to earn 600 SB from Swagbucks. And for the shopping part, there are a few shops that I think pretty good (the easiest way is to buy a $25 for $25 coin from Royan Canadian Mint...):

If you cannot find a referral link from your friends, you are welcome to use our referral link to register Swagbucks, thanks:

Aeroplan eStore: Earn up to 5X Aeroplan

Deal Link:
Expiry: Nov 7, 2016

Choose to shop and earn with Aeroplan's many partners, including more than 100 online retailers via the Aeroplan eStore. You can earn up to 5X the miles with some of the shops!