Friday, December 30, 2016

Scotiabank: Fee Changes for Personal Bank Accounts

Deal Link:

Scotiabank will increase their monthly account fee for Personal Bank Accounts, effective March 1, 2017. The Minimum Daily Closing Balance to waive monthly fee will be increased too.
BMO is the first. Scotiabank is the second. Who will be the next one?

Tuesday, December 27, 2016

KnowRoaming: Free WhatsApp Usage

Deal Link:

KnowRoaming is a Toronto-based technology company that provides complete connectivity solutions around the world. With KnowRoaming SIM, you can get unlimited data in 90+ countries with USD $7.99/day, and data roaming in 200+ countries. You can see the detailed rates at:

Each KnowRoaming SIM Sticker and SIM Card comes with a free US and UK number. Both numbers can be used to send and receive calls while abroad. Text messages can be sent and received using your free UK number only.

KnowRoaming’s prepaid platform puts you in control of your spending. Before using KnowRoaming voice, text, or data services you will need to load credit to your account through the KnowRoaming app. You have the option to load credit in the amounts of $25, $50, $75, $100, and $150 using your credit card. (Visa, MasterCard, and American Express are accepted.) Following payment through the app, you’ll receive an email receipt. Since all services are prepaid, you will never be surprised by a bill after you return from your trip.

There is also an optional auto-reload feature, which automatically tops up your KnowRoaming credit when your balance drops below $5. This ensures that calls and data sessions do not drop part-way through as a result of a $0 account balance. With auto-reload, your credit card is debited just as if you were making a manual purchase, but without having to go through the shopping cart and approval process.

Any credit remaining in your KnowRoaming account after one trip can always be used on your next trip to any of the 200+ countries where KnowRoaming offers rates. Any unused credit on your account will expire after 15 months of inactivity. Only prepaid credit expires after the 15 month period. The Global SIM Sticker and Global SIM Card itself does not expire.

One great thing: All WhatsApp usage is free on KnowRoaming products everywhere (including calls, phone/video messaging, texting, video calling). Please keep in mind that while WhatsApp does not require credit, other apps that pull data will use credit. This is good for children usage. All you need to pay is the SIM price at the beginning.

I bought one KnowRoaming SIM (Free Shipping to Canada). After you installed your App, you can use the SN# at the back of your SIM to link it with your KnowRoaming account. You also need to set up your roaming data connection based on the guide:

I tested the Free WhatsApp with my backup phone, and it works very well. The Global SIM is USD $9.99. If you are interested in it, you can use our referral code "BOYA64" to buy it. With our code, you can receive 30% discount on your purchase, and both of us will receive $5 in credit. Thanks.

After that, if you share your experience to Facebook, you can get an extra $5 in credit. Basically, you pay USD $7 (plus tax) for the SIM, but you can get USD $10 with our referral code. Pretty good deal for new clients.

Updated on Feb 19, 2018: Just got an email from KnowRoaming: "In order to continue offering our bonus WhatsApp promotion to our growing customer base, we have updated the eligibility requirements. This promotion is designed as a bonus for active customers using KnowRoaming services and will no longer be available for customers who have not loaded credit onto their account. In order to qualify for this promotion, you can simply load credit onto your account in the KnowRoaming app by selecting “Tap to Reload” and following the prompts. Once you have loaded credit onto your account, this promotion will automatically reactivate within 48 hours.  Following this, you will be able to enjoy 30 days of free bonus WhatsApp usage each time you load credit."

Monday, December 26, 2016

Air Miles Shops: 10X Miles

Deal Link:
Expiry: Jan 5, 2017

You can earn 10X Air Miles at until Dec 29, 2016 (now Jan 5, 2017). This is about 5% cash back.

Actually, I think you can use this 10X Air Miles to buy Esso Gift Cards from as follows (totally around 10% saving + your credit card earning):

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:

Saturday, December 24, 2016

Fido: Get a $120 credit when you activate with your own phone

Deal Link:
Expiry: Dec 31, 2016

This offer is available to customers who bring in an unlocked phone with new activation of Fido service. A $10 credit will be applied on or before your third invoice forward following the activation for 12 consecutive months (account must remain active).

Offer available until December 31, 2016; subject to change without notice. A one-time $15 Transaction Fee applies for the processing of your phone activation.

Thursday, December 22, 2016

Fuel up at Esso with AmEx and earn a $7 credit (Expired)

Deal Link:
Expiry: Jan 13, 2017 (OR the first 15,000)

Celebrate the launch of NEW Esso Synergy Gasoline with 7 key ingredients to fuel your car. You could earn a $7 statement credit when you make a purchase of $25 or more (after taxes) at Esso stations!

Register your eligible American Express Card from December 22, 2016 to January 13, 2017.  Once registered, make a purchase of $25 or more (after taxes) in a single transaction at an Esso station between December 22, 2016 and January 13, 2017 and you could earn a $7 statement credit. Your eligible Card must be registered in advance of making a purchase in order for the purchase to be eligible for this offer.

To take advantage of this offer, follow these 3 simple steps:
1. Register
Register your eligible American Express Card between December 22, 2016 and January 13, 2017 by following the instructions on this page. Only the first 15,000 Canadian American Express Consumer and Small Business Cardmembers to successfully register will be eligible for this offer.

2. Spend
Spend at an Esso station between December 22, 2016 and January 13, 2017 using your registered American Express Card to make a single purchase of $25 or more (after taxes).

3.  Enjoy
Enjoy a $7 statement credit - limit of one (1) statement credit per Registered Card.
The statement credit will be applied to the Basic American Express Cardmember’s account.

I already registered 5 of my AmEx cards. Once registered, you will get a confirmation email from American Express Network. From my points of view, it is legit and safe enough...

But, please think it carefully and make your own decision...

【Updated on Dec 23, 2016】
I get this same offer from AmEx App as well, which goes to the same link. So this is legit for sure.

Wednesday, December 21, 2016

Meridian Visa Cards in 2017

Deal Link:

Meridian Credit Union will be offering a new family of credit cards in early 2017 with the first year free. Whatever your personal or business needs, Meridian will have a Visa credit card to suit you. Options to choose from include travel, cash back, merchandise, entertainment rewards and more. I am interested to see the (up to) 4% cash back feature...

Tuesday, December 20, 2016

TD: Get $5 the first time you pay with Interac Flash (Targeted)

Expiry: Jan 19, 2017

TD Access Card now has the function of Interac Flash. Some TD customers got an offer from TD: if they use the Interac Flash with their TD Access Card before Jan 19, 2017, they can get $5. This is a targeted offer. You can check your email for it. Different people may get different offer. The TD offer I received is: Save on interest – 0.99% for 6 months on balance transfers.

Saturday, December 17, 2016

SPG Double Take (Targeted)

Expiry: Apr 15, 2017

Please check your SPG linked email, you may find a promotion about SPG Double Take (online registration is required). With this offer, you can earn double Starpoints on your first three stays between January 16 and April 15, 2017. Offer is valid at all hotels and resorts in the SPG program.

Plus, you’ll get an additional invitation-only offer. My exclusive bonus offer is as follows:

Friday, December 16, 2016

Free Admission to Canada's National Parks for 2017 (Expired)

Deal Link:

Parks Canada is inviting Canadians and visitors from around the world to celebrate Canada’s 150th anniversary at Canadian national treasures from coast to coast to coast. Your Parks Canada Discovery Pass provides free admission for the entire year to Parks Canada places from coast to coast to coast!

What is free?
  • Admission to all national parks, national historic sites, and national marine conservation areas operated by Parks Canada
  • Lockage at Parks Canada’s historic canals and waterways.

What is not free?

Regular fees still apply for other experiences and services, such as:
  • Camping, backcountry and other accommodations;
  • Canadian Rockies Hot Springs;
  • Mooring;
  • Reservation fees;
  • Guided tours and hikes and programs not usually included with admission;
  • Firewood;
  • Backcountry overnight use.
Note: This is not an exhaustive list. Please verify with the location you will be visiting for more details.

Wednesday, December 14, 2016

Credit Card Small Balance Adjustment

Do you know that some Canadian banks may waive your credit card bill if it is a very small balance (just like some US banks, maybe < $0.99)? The above pic is from Chase Sears MasterCard (which is belong to Scotiabank, but its system may still from Chase). It shows that there is a -$0.15 transaction on the statement, named "SMALL BALANCE ADJ".

I think this is useful on some no-annual-fee credit cards which you are planning on keeping forever (but not being used frequently). You can add them to your Amazon account and buy $0.99 e-Gift Card for yourself each month. FYI, the minimum amount allowed is $0.15.

This is also useful to those daily credit cards (if they allow this small balance adjustment). You can pay their balance before the statement date and leave a $0.99 balance on it. This can also help your credit score as it optimize your credit utilization ratio.

The main question now is how many credit cards have this "Small Balance Adjustment" function? I will try a few of my credit cards and update this post in the next month. If you have any related information, please comment below. Thanks.

Tuesday, December 13, 2016

Aeroplan: Share your travel story for 250 miles

Deal Link:

For a limited time, you can earn 250 miles when you share your Aeroplan travel story with Aimia Canada (Aeroplan). The story doesn't need to be very long (less than 100 words is fine)

Note: Aimia Canada Inc. (“Aeroplan”), may select and use your Aeroplan Travel Story, (“Submission”) on its website located at (“Website”), and/or in our various publications, including print publication, email communications, and social media, and you also agree for Aeroplan to use your first name, province of residence along with the Submission.

Monday, December 12, 2016

Air Miles Shops: 20X Miles When You Spend $20 or More

Expiry: Dec 16, 2016 ONLY

You can get 20x AIR MILES reward miles on qualifying purchases of $20 CDN or more, excluding shipping, duty and taxes, made in a single transaction on December 16 2016. Offer applies to the total base reward miles earned on qualifying purchase amount excluding shipping, duty and taxes. 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. 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 Texture by Next Issue, or made at travel online stores (including travel bookings, car rentals, and hotels). Bonus reward miles will be posted to your Collector Account within 75 days after the promotional period.

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:

Friday, December 9, 2016

Canadian Tire: Big Bonus Day

Expiry: Dec 10, 2016

Dec 10th 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.

Plus,  you can also enjoy 24 equal monthly payments with no fee and no interest before Dec 29th, 2016.

Starbucks Card eGift Promotion

Deal Link:
Expiry: Dec 22, 2016

Be one of the first 45,000 to buy a $15 or more Starbucks Card eGift using your Visa Debit or credit card and you will get an additional $5, courtesy of Visa. Send $15 – they get $20, send $25 – they get $30, send $45 – they get $50, just for using your Visa card.

Offer available from 12/8/16 through 12/22/16, or while supplies last. Offer delivered in form of $5 Bonus Load to Starbucks eGift recipient. Offer available in Canada only (excluding Quebec). Limit 1 per person. Supplies are limited.

Thursday, December 8, 2016

Paypal: Get $25 off when you spend $125 or more at Hudson's Bay

Deal Link:
Expiry: Dec 8, 2016 ONLY

For today only, you can get $25 off when you spend $125 or more at Hudson's Bay and pay with PayPal.

Note: Offer valid online at Offer not valid in-store or on kiosk orders. Offer excludes Gift Cards and with transactions paid by means other than through PayPal. Not valid in conjunction with any other offer or promotion. Offer may change or end at any time without notice. Discount will be applied by PayPal.

To apply this Offer, you must a) have a Canadian PayPal account in good standing, b) receive the Offer from PayPal Canada by email or otherwise; and c) make a purchase at a participating merchant location and pay with PayPal online checkout no later than 11:59 PM ET on the expiration date.

Talkatone App Introduction

I guess some of my blog readers already got the Fido 3GB-$15/month deal + the FREE LG G Pad III, just like me. Do you want to turn your tablet into a "phone"? I would like to introduce the App I am currently using: Talkatone (I am NOT paid to write this blog...).

Talkatone is a smartphone App. I know it long time ago, when it is still with Google voice (no Canadian phone number available from Talkatone that time). Now, you can get a Free Canadian phone number in your area code (for most of the Canadian provinces..., not all) from Talkatone.

Talkatone is currently available for Android and iOS in the following App Stores:
  • Australia
  • Canada
  • Germany
  • Great Britain
  • Japan
  • Mexico
  • New Zealand
  • Republic of Korea
  • Singapore
  • South Africa
  • United States of America
Users in any of these countries will get a free US or Canadian phone number, and free unlimited calling to US & Canadian numbers.

Talkatone lets you call and text any US/Canadian phone over WiFi or Data (3G/4G/LTE) for FREE. From my experiences, the call quality using Talkatone over Data is quite good. And its free text is definitely better than Fongo. You can also call internationally, but you need to buy or earn credits from Talkatone.

Note: If you haven't used Talkatone to call or text for a period of 30 days, your Talkatone account will be debited 20 paid credits to keep your number active. If you haven't been active for 30 days and you have less than 20 credits on your account your number will be deactivated and returned. You will get a notification, before that happens, to give you a chance to make a call or text to maintain your number assigned to your account.

Monday, December 5, 2016

United Airlines: Unwrap your special bonus miles offer

Deal Link:
Expiry: Dec 19, 2016

From now to Dec 19, 2016, when you purchase UA miles, you could receive a bonus of up to 100% more. Just go to the above link and unwrap your own mystery offer. You can discover your special bonus when you click through and start planning your next trip.

I tried it myself, and only eligible for a bonus of up to 25% more miles on my purchase. Hope you can get 100% more bonus miles.

Thursday, December 1, 2016

Fido Mobile Internet Flex Data Starting at $15 for 3GB

Deal Link:
Expiry: Jan 10, 2017

The deal is back. You can get Fido Mobile Internet Flex Data Starting at $15 for 3GB instead of 1GB before Jan 10, 2017. You can get it from Fido Store or by calling Fido support anywhere in Canada. This offer is valid for new activation / plan change / BYOD. This is Internet plan only ( no Voice / text included). You don't need to buy a tablet from Fido.

Note: A one-time $15 Transaction Fee applies for the processing of your service request. This is a great deal. I have been on this service since August and I am very satisfied with it.

BTW, if you want to apply a new Fido account, we can provide a referral code. You must provide the referral code to the Fido representative before the line activation process starts (or during the activation flow if activating service online). Then you must keep your services active for a minimal period of 90 days, at which time Fido will provide a $25 credit to your account (we will also get $25 credit from Fido).

Please email us your first and last name (has to be the exact name you use when you sign up) as well as your email address. Our email is:  We appreciate you using our referral code where possible. Thanks.

Now you can also get a Free LG G Pad III with this plan for FREE.

Air Miles has cancelled the Expiry Policy

Good news: Air Miles customers no longer have to worry about their miles. Today, Air Miles announced it is cancelling its expiry policy that was scheduled to take effect on Dec.31. The decision is effective immediately.

Air Miles said "it believes that cancelling the expiry policy will lead to more meaningful conversations between government and industry, helping to ensure loyalty programs remain viable in all provinces and that Canadian consumers continue to reap the rewards of loyalty programs, regardless of the province in which they live."