Thursday, December 28, 2017

AmEx Contest Winner

Seeing is believing. Congratulations to one of our blogger readers, "Gundam 0_0", to become the winner of "AmEx Shop the everyday for a chance to WIN Contest - CO11441". The prize is one Volkswagen Tiguan 2018. Wow, really nice gift for the new year!

So, those AmEx contests are actually REAL !!!

Monday, December 25, 2017

Mogo Bitcoin Contest

Deal Link:
Expiry: Mar 31, 2018

Become a MogoMember today for your chance to win bitcoins and to be one of the first in line to access Mogo's new bitcoin account for buying and selling bitcoin. The Contest begins at or about 12:00 a.m. PST on December 20, 2017 and ends at or about 11:59 p.m. PST on March 31, 2018.

Each month a lucky MogoMember will win 1 bitcoin. 4 months, 4 chances to win. Become a MogoMember now to enter the next draw on December 31st 2017. The earlier you sign up, the more draws you'll enter. As a MogoMember, you can also get your Equifax credit score, which will be updated every month, all for free—no conditions, no other charges.

Note: the Mogo Bitcoin Contest is open to all legal residents of British Columbia, Alberta, Manitoba, Ontario, New Brunswick, Prince Edward Island and Newfoundland who have reached the age of majority in their province of residence.

BTW, if you don't want to wait for Mogo's new bitcoin account to buy bitcoin, you can read:

Thursday, December 21, 2017

Paytm: Ring in the New Year Contest

Deal Link:
Expiry: Jan 1, 2018

We introduced Paytm before:  Paytm is giving away $1,200 to one lucky winner through their "Ring in the New Year Contest".

Wednesday, December 20, 2017

Loblaw $25 Gift Card

Deal Link:

Loblaw Companies Ltd. is offering customers a $25 gift card as a goodwill gesture after admitting the company participated in an industry-wide bread price-fixing arrangement. Customers can visit and enter their email address to be notified once registration opens. The company expects registration to begin on Jan. 8, 2018

Sunday, December 10, 2017

eBay Bucks Rewards Program

eBay Canada is introducing a rewards program called eBay Bucks Rewards Program. Paypal account is required for the registration. The membership is free and you can get 1% eBay Bucks back on almost all eBay purchases. And you may receive exclusive offers with up to 10% bonus when you subscribe to eBay emails.

Note: Qualifying purchase excludes all items in the following categories: Classifieds, Business & Industrial, but only for Heavy Equipment within that category, Real Estate, Gift Cards & Coupons (including eBay Gift Cards, Gift Cards, and Digital Gifts within that category), Bullion (within the Coins & Paper category), and all categories in Motors, except Parts & Accessories.

Friday, December 1, 2017

AmEx: Earn 10X points on eats, drinks and groceries

Expiry: Dec 31, 2017

You can earn 10X points for every $1 spent on card purchases (up to a maximum of $2000) at eligible restaurants, bars, grocery stores in Canada before Dec 31, 2017 when you use your Cobalt Card. This amazing offer is not targeted. Actually, it is for every AmEx Cobalt cardholder (current and new users). It is equal to roughly 10% - 15% cash back.

If you don't have this card right now, you should try to apply it as soon as possible. Therefore, you should still have enough time to spend the $2000 before Dec 31. In additional to the 10X promo, you will eanr up to 40000 MR points as welcome bonus.

Remember, you can also get high return besides the restaurant and grocery stores. Please read this one:

Wednesday, November 29, 2017

AmEx: Earn a $10 Statement Credit (Targeted)

Expiry: Dec 28, 2017

If you have AmEx credit card, you should check your email and you may find a targeted offer. Online registration is required. Only the first 15,000 cards to be successfully registered are eligible for this offer.

With this offer, you can earn a $10 statement credit when you make 3 separate qualifying purchases in-store with your registered Card using Apple Pay, Android Pay, Samsung Pay, or Amex Pay between November 28, 2017 and December 28, 2017. It is pretty easy!

Note: Purchases made during the offer period prior to registration of your eligible Card are not qualifying purchases.

Monday, November 27, 2017

Starbucks: Get an extra $10 eGift when you buy $10 eGift with Visa Checkout

Deal Link:

You can get an extra $10 eGift when you buy $10+ Starbucks eGift with Visa Checkout. Offer is valid until 50,000 eGifts have been distributed. So, you need to act quick.

Thursday, November 23, 2017

Best Western: Win up to 1,000,000 points

Deal Link:
Expiry: Nov 27, 2017

From Black Friday to Cyber Monday (Nov. 24 - Nov 27), you can spin for your chance to win up to 1,000,000 Best Western Rewards points. A good opportunity to become a millionaire... Please read the terms:

Monday, November 20, 2017 $20 off $200+

Expiry: Nov 23, 2017

Offer expires 11/23/2017 at 11:59 P.M. PST, or when funds are exhausted, whichever is first. Offer is valid for purchases made using promo code 20BFCA2017 at checkout for an order of $200 or more before taxes or shipping. Does not include pre-orders, gift cards, Open Box, or used items. Cannot be combined with other promo codes, combos, or promotions that include a free gift or promo code. Limit one discount and one promo code per customer.

Amazon: Spend $60, save $20 on daily essentials

Deal Link:
Expiry: Nov 27, 2017

You can save $20 when you add $60 or more worth of eligible daily essential products to cart. One per customer order. This promotion is only valid from Nov 20, 2017 to Nov 27, 2017 on items shipped and sold by Discount applied at checkout.

Don't forget you can get additional 15X Air Miles if you go through

And, you can also combine the $5 credit from the Amazon Cash offer:

This is one receipt example with promotions applied:

Drop Points Program Introduction

I am currently using a Drop App to get rewards. You can find it in App Store (by Drop Loyalty). Drop is a first-of-its kind mobile rewards program. Members can link their credit/debit cards to the app to start earning points from their favourite brands. Earn points toward amazing rewards you actually want. Earning and redeeming is effortless, eliminating the need to carry loyalty cards and pull out apps to scan in-store.

Friday, November 17, 2017

Upcoming Changes on BMO Financial Products

One of my friends told me that there will be changes on some BMO credit cards:
  • BMO Air Miles WEMC: Reduce the Air Mile Flight Redemption discount from 25% to 15%【Now I see why BMO provides 3000 Air Miles to the new applicants...】
  • BMO Air Miles World/Gold/Small Business Card: Discontinue the 25% Air Miles Flight Redemption discount
  • BMO Rewards World Elite MasterCard:BMO will add a bonus rewards earn to Travel/Dining and Entertainment purchase【this one sounds good】
  • BMO Rewards World Elite MasterCard:Waiver of annual fee for BMO Private Banking clients【not related to me anyway...】
  • BMO Rewards MasterCard:remove Common Carrier insurance
My friend told me that I may see those changes on the Nov credit card statement.

I do have the BMO Air Miles WEMC, and I don't have the BMO Rewards WEMC. So, I only see bad news here. Considering that BMO just reduced the earning rate of Cash Back WEMC from 1.75% to 1.5%, I was wondering what will happen next to other BMO products...

Updated on Oct 20, 2017A picture is worth a thousand words. I got a new version of those BMO changes...

There is a bad news for BMO Rewards WEMC: the number of points needed to redeem for $1 in travel rewards will increase from 100 to 135 BMO rewards points, effective Jan 15, 2018! This makes the return ratio decreased from 2% to 1.48%, which is even lower than the current BMO Cashback WEMC (1.5%)... The points value for gift cards/merchandise/financial contribution redemption will be improved by up to 25% (but I am not interested in those items...). I think I may move to RBC WestJet WEMC or MBNA Alaska WEMC after Jan 2018.

BTW, BMO will also make some changes to their everyday bank plan fees, effective Dec 1, 2017.

Updated on Oct 24, 2017: Just FYI, I am not a fan of fake news, and I do NOT make fake news. I did not get paid for this post, and I did not pay any other people for the information. I just posted what I heard from my friends. Up to now, I still 100% believe that these BMO changes will happen soon.

Updated on Oct 26, 2017: Just FYI, some updates from RFD.

Updated on Nov 17, 2017: now it is official...

Get another $5 when you first time sign in to the Amazon App

Expiry: Dec 2, 2017

Compared with the previous Amazon Cash $5 credit, this one is much easier. All you need to do is download the Amazon app to your smartphone and sign in for the 1st time before Dec 2.

Wednesday, November 15, 2017

Get a $5 Amazon Credit

Deal Link:
Expiry: Dec 16, 2017

Amazon Cash is the fast, no fee way to add cash to your Amazon Balance and is currently available at thousands of Canada Post locations => This is just a ads from Amazon... From my understanding, this service is mainly for those people who don't like to use credit card for online shopping, and Amazon/Canada Post help them buy Amazon gift cards with cash.

Try Amazon Cash for the first time by adding CAD$20 or more to your Amazon Balance and earn a CAD$5 Amazon Credit towards your next purchase on Your discount will automatically be applied at checkout. This is a limited time offer, one per Amazon customer account. The promotional credit expires on December 31, 2017.

  • Amazon Cash transaction must occur between 12:01 am (PT) on Novmber 14, 2017 and 11:59 pm (PT) December 16, 2017.
  • Offer limited to the first time a customer uses Amazon Cash.
  • Offer only applies to products sold by (look for "sold by" on the product detail page). Products sold by third-party sellers or other Amazon entities will not qualify for this offer, even if "fulfilled by" or "Prime Eligible".
  • Shipping charges and taxes may apply to the full value of discounted and free promotional items.
  • Offer limited to one per customer and account.
  • The maximum benefit you may receive from this offer is $5 off products sold by
  • You will receive an e-mail from Amazon that indicates the dollar amount of the promotional credit and that the dollar amount of the credit has been added to your customer account.
  • Promotional credit expires at 11:59 p.m. (PT) December 31, 2017.
  • Offer discount will be allocated proportionally among all promotional items in your order.
  • If any of the products or content related to this offer are returned, your refund will equal the amount you paid for the product or content, subject to applicable refund policies.
  • If you violate any of these terms, the offer will be invalid.
  • Unless an Amazon Gift Card is the stated benefit of the promotion, promotional codes (including those placed directly in accounts) may not be redeemed for Amazon Gift Cards. Offer good while supplies last.

Paytm: Win an iPhone X contest

Deal Link:
Expiry: Nov 27, 2017

You can win an iPhone X from Paytm by Nov 27, 2017. If you don't know Paytm, you can read this:

This contest is open to all new and existing users. New users can qualify to win an iPhone X by making a bill payment of at least $25 through a linked bank account, or by using Paytm Cash.
Existing users can qualify by making a bill payment of at least $25 to a new biller through a linked bank account, or by using Paytm Cash. The more new billers that you pay, the more you’ll increase your chances of winning. Note: payment through credit cards is not eligible.

You can also attend this contest by following Paytm on Twitter (@paytmcanada) and Tweeting – “@paytmcanada is giving away an iPhone X. Check out”; or by following Paytm on Facebook ( and posting “Paytm Canada is giving away an iPhone X. Check out”; or by hand printing your name, verified email address and phone number as per the information you provide in the Paytm Canada mobile app, either on a postcard or on a separate piece of paper no larger than 8½ x 11 inches, and mail the postcard or paper to Paytm Labs (iPhone Contest), 220 Adelaide Street West, Toronto, Ontario M5H 1W7, Canada. Mail-in entries must be postmarked by November 27th, 2017, and received no later than December 1st, 2017 in order to be eligible for the contest draw. Incorrect, illegible, and incomplete entries will be void.

Tuesday, November 14, 2017

AmEx SPG: is the END near?

We always hear news regarding SPG-Marriott merger. It seems that the merger will be completed in 2018. So, recently I got many similar questions from our readers:"Should I apply the AmEx SPG now?"

This is a simple question and please let me answer it here: you should apply the AmEx SPG if you don't have one now. The value of the 20000 SPG welcome bonus is around $600, and the annual fee is only $120. It may be discontinued soon, so what? You should apply it before it is gone. In today's Canadian market condition, one Hard Pull for $480 is not a bad deal.

Also, one of my friends in Japan told me today that he got an email from AmEx, which indicates that the AmEx SPG (Japan) could be available till Dec 31, 2018. So, from my point of view, there is nothing to worry about for now.

BTW, if you want to apply AmEx SPG, please use our referral link below. Thanks.

Apply Now

Monday, November 13, 2017

Air Miles: 2017 Shop the Block

Deal Link:
Expiry: Dec 14, 2017

Air Miles Shop The Block promo is back. You can get up to 2000 Air Miles bonus miles when you use partner offers between Nov 14 to Dec 14, 2017.

I checked Alberta, only 3 offers right now. I think new offers will be added in the future. From my last year experience, it should be easy to achieve 3 to 5 different offers.

Wednesday, November 8, 2017

Get 10X Miles at

Expiry: Nov 10, 2017 (ONLY)

You can get 10X AIR MILES Reward Miles on qualifying purchases of $20 CDN or more, excluding shipping, duty and taxes, made in a single transaction from 00:00:01 AM to 23:59:59 PM ET on November 10, 2017.

Collectors must sign in at before purchasing in order to collect Reward Miles. Offer can be combined with other Bonus Mile offers. Offer is valid on the purchase of gift cards only at online stores who regularly offer Miles on gift card purchases.

For travel online stores (including travel bookings, car rentals, and hotels), travel must be booked on November 10, 2017 and completed by February 28, 2018. Bonus Miles will be posted to your Collector Account within 75 days after the promotional period.

Tuesday, November 7, 2017

PC Optimum Points

A good news: PC Plus and Shoppers Optimum will finally become one program: PC Optimum. On Feb 1, 2018, your points will be converted to PC Optimum points at their FULL value. I will try to earn more Shoppers Optimum points with 20X bonus now and keep them until the conversion.


Monday, November 6, 2017

Best Western: Get a FREE night for 10,000 points

Deal Link:
Expiry: Jan 31, 2018

Best Western Rewards members can redeem 10,000 points (or less) for a FREE night. Redemption offer runs between November 1, 2017 and January 31, 2018. The discounted FREE night offer is valid for stays at Best Western branded hotels in North America. Registration not required.

Sunday, November 5, 2017

Rewards for purchases

Currently Aeroplan is one of the partners with Costco Canada. You can earn one Aeroplan miles for every dollar spent on (sometimes, up to 3X).

Tuesday, October 31, 2017

Marriott Rewards MORE shopping portal

Deal Link:

Marriott just introduced a new shopping portal: Marriott Rewards MORE program. You can earn Marriott points along the way from select retailers (similar to etc), or even pay with points. These points are immediately available to use for their next purchase, a hotel redemption stay, experiences available on Marriott Rewards Moments, and more.

Marriott Rewards MORE is powered by Engage People Inc and it is available in the U.S., U.K. and Canada now.  You need to use App or Chrome extension to access it. To download the App on Android and iOS, click the relevant link below.



The retailer sites includes Amazon, Apple, Converse, NET-A-PORTER, Nike, Ralph Lauren and Sephora etc.

There is one thing strange that different person may get different offers. For example, some one got offer like "Earn 7/6/5/3 points for every $1 spent" for Amazon (and this is NOT based on your Marriott Elite level). And the offer may change from time to time. I got Amazon "5 points/$1" at first, and it changed to "6 points/$1" after 1 hour... Interesting...

Earn Rewards Points by shopping with the new mobile app and desktop extension. Members earn an additional 1,000 points for their first transaction of $25 or more. Those who pay with their Marriott Rewards credit card will earn 25% more bonus points after each transaction.

This 25% bonus with Marriott Visa is nice. From the terms, it shows that you can get this 25% bonus if you are the holder of a Marriott credit card, which means that you may get this 25% bonus using other credit cards (AmEx SPG) as long as you are the holder of a Marriott Visa (another reason for me to keep my Chase Marriott Visa...).

Updated on 2017.11.4:I cannot find Amazon in my Marriott MORE app today... It was removed.

Sunday, October 29, 2017

PC Financial -> Simplii Financial

Deal Link:
Expiry: Feb 28, 2018

I think many PC Financial clients already got the updates that PC Financial users will transition to CIBC’s new Simplii Financial mobile and online brand, with their deposits, mortgages and loans effective Nov 1, 2017. There will be no changes on the PC Financial MasterCard.

Simplii customers will be able to use CIBC’s automated teller machines for free as they did under PC Financial, as well conduct their banking online, via telephone and mobile. But Simplii Financial will not have any physical branches.

You can read the FAQ on the website:

Here I want to mention a few things that are not included in the FAQ:

1) Simplii Financial will waive the Interac e-transfer fee after Nov 1, 2017

2) With the agreement between CIBC and Loblaw Company, Simplii Financial will not issue any credit cards within the next year. And Loblaw will not start any banking services for at least 12 months.

3) Between November 1, 2017 – April 13, 2018, Simplii customers will receive a newly-branded debit card to replace their current PC Financial branded card. Hope you will like the new debit card.

4) In Nov, 2017, Simplii will offer a new savings account rate promotion of 3% interest in new deposits. If you have high deposits in your current PC accounts, you should transfer it out before Nov 1, and then transfer back when the promotion starts. This rate is for new deposits into any savings account, including TFSA or RRSP savings accounts between November 1, 2017 and February 28, 2018 (no enrolment required).

Saturday, October 28, 2017

Air Miles Shops: Get 50 Bonus Air Miles

Deal Link:
Expiry: Nov 9, 2017

You will get 50 Bonus AIR MILES Reward Miles when you spend $20 or more, excluding shipping, duties and taxes, through at participating online stores until Nov 9, 2017. Limit one Bonus Offer per Collector Number. Collectors must sign in at before purchasing in order to earn Bonus Miles.

Note: For travel online stores (including travel bookings, car rentals, and hotels), travel must be booked by November 9, 2017 and completed by December 31, 2017. Bonus Miles will be posted to your Collector Account within 75 days after the promotional period.

Tuesday, October 24, 2017

Air Canada: Pay with Masterpass and get a $60 eGift Card.

Deal Link:
Expiry: Nov 19, 2017

You will receive a $60 Air Canada eGift Card, if you pay with Masterpass when booking your flight at before Nov 19, 2017 11:59PM EST or until 12,500 offers have been redeemed, whichever comes first..  One eGift Card will be awarded per completed Masterpass transaction.

Note: Offer is not available for bookings made with loyalty reward points, eGift Cards, or previously purchased tickets, Air Canada employee travel tickets, free tickets and infant tickets. The $60.00 CDN eGift Card will be sent to the primary email address on the customer’s flight booking and will be delivered 3 weeks following the initial ticket purchase.

Wednesday, October 18, 2017

RBC + Petro-Canada = more rewards on gas purchase

Deal Link:

Come back to visit this website address on October 31, when you’ll be able to link your Petro-Points card to your eligible RBC debit or credit cards to instantly save 3¢ per litre on fuel and earn 20% more Petro-Points on qualifying purchases made at Petro-Canada. Linked RBC Rewards credit card holders will also receive 20% more RBC Rewards points on their purchases.

Still wondering if RBC will issue a new Petro-Canada brand credit card in the near future??

Thursday, October 12, 2017

Convert hotel points into UA MileagePlus miles and Earn 30% more bonus

Deal Link:
Expiry: Nov 30, 2017

Now's the perfect time to exchange your unused hotel loyalty program points into United MileagePlus award miles. Convert your points now and enjoy a 30% bonus on your points-to-miles conversions – up to 25,000 bonus award miles. Hurry, this offer ends November 30, 2017. Online registration is required.

Air Canada: Get bonus miles on the fly

Deal Link:
Expiry: Nov 11, 2017

You can earn bonus Aeroplan Miles for flights to tons of great destinations in any fare class. Book by November 11, 2017 for travel by April 30, 2018. The bonus are as follows:

You can find the eligible flights from the above link. Online registration is required.

Indigo: Get a free $10 bonus card

Expired: Oct 22, 2017

You can get a free $10 bonus card when you spend $40 or more in the Indigo store. The bonus card will be valid  between October 23, 2017 - October 29, 2017 in-store and at

Note: Excludes American Girl services, gift cards, irewards memberships, and Love of Reading products and donations. Limit one card per transaction.

Wednesday, October 11, 2017

Enhancements to AmEx Platinum Card

There are some enhancements to your AmEx Platinum Card insurance coverage benefits. Effective Oct 2, 2017, you will get higher insurance coverage on Trip Cancellation Insurance and Trip Interruption Insurance. Also, the Purchase Protection Plan coverage is extended from 90 days to 120 days after the date the insured item was purchased. All those are good news for the AmEx Platinum Cardholders!

Saturday, October 7, 2017

Aeroplan: Earn 200 Miles at Esso Stations

Deal Link:
Expiry: Jan 8, 2018

Have you ever swiped your Aeroplan membership card at Esso stations? If not, you should try this offer. You can earn 200 Aeroplan bonus miles when you make your first fuel purchase of 40 L at an Esso station before Jan 8, 2018. Valid one time only.

Thursday, October 5, 2017

Indigo: Earn 10% cash back + 15% off (Targeted to RBC clients)

Deal Link:
Expiry: Oct 31, 2017

If you are a RBC client you’ll get a 10% cash back credit when you shop online at from now until October 31st. Limit of 5 transactions per client. Online registration is required.

PLUS THIS WEEKEND ONLY from October 6-8th Indigo is offering 15% off select regularly priced toys, d├ęcor, fashion, paper & more at! Enter promo code THANKS15 when you check out at to receive your 15% off.

Tuesday, October 3, 2017

Sherwin Williams: Earn $50 when you spend $200 or more

Expiry: Nov 12, 2017

You could earn a $50 AmEx statement credit when you spend $200 or more after taxes, at a participating Sherwin Williams retail paint store before Nov 12, 2017. This is a targeted offer from AmEx, and you can check your mailbox to see if you get this offer. Online registration is required.

Monday, October 2, 2017

TD Cash Back Visa Infinite: 6% Cash Back + FYF

Deal Link:
Expiry: Dec 3, 2017

If you apply TD Cash Back Visa Infinite Card before Dec 3, 2017, you can earn 6% in cash back dollars on ALL purchases for the first 3 months up to a total spend of $3500 (up to $210). Plus you can get a full rebate on the annual fee $120. This is a pretty good offer for this card.

Costco: Get $25 off when you pay with Masterpass

Expiry: Dec 9, 2017

Valid from October 2 to December 9, 2017 and may not be combined with any other offer. This offer is only available to members who pay by Masterpass and make a merchandise purchase of $100 or more (in one transaction, before taxes, applicable fees and shipping, unless applicable fees and/or standard shipping is included in the quoted price.)

Normally, you should be able to link your AmEx credit card in Masterpass (just like Paypal). So, it means that you can buy things on using your AmEx credit card. One of my friend told me that you can link AmEx card in Masterpass, but you still cannot use AmEx Masterpass on Only MasterCard in Masterpass can be used for this promotion.

Maximum of one (1) $25 OFF is available per member during the promotional period. Offer not valid for Costco ‭purchases made in warehouse, in Costco Business Centres, on, or on purchases of ‭Costco Cash Cards, travel, tires, membership, or membership renewals. Only Canadian Costco members in good standing may take advantage of this offer.