Wednesday, May 22, 2019

RBC Spring 2019 iPad Campaign

Deal Link:
Expiry: Sep 3, 2019

RBC iPad promotion is back. This is a good one if you want to buy a similar iPad. Before Sep 3, 2019, you can get an iPad (32GB) when you open a eligible RBC banking account. To qualify for this Promotional Offer you must:
  • be an Eligible Personal Client
  • open an Eligible Personal Banking Account before Sep 3, 2019; and;
  • complete two of the following by 9:00 PM Eastern Time November 29, 2019:
1) Transfer the full amount of your automated and recurring payroll direct deposit or monthly recurring pension direct deposit to your new Eligible Personal Banking Account. To qualify, you may not split your payroll deposit from one employer or pension deposit from one provider between the Eligible Personal Banking Account and any other account. We reserve the right to determine what is considered payroll and whether the payroll deposit has been split. The first payroll or pension deposit must be credited to your new Eligible Personal Banking Account by 9:00 PM Eastern Time November 29 2019.

2) Set up two (2) Pre-Authorized Monthly Payments (“PAPs”), such as a pre authorized bill payment to a service provider (i.e. utility bill, gym membership) or pre-authorized payment to an RBC mortgage, loan, Royal Credit Line or contribution to your RBC investment account, from your new Eligible Personal Banking Account. The first payment of both Pre-Authorized Payments must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time November 29, 2019.

3) Set up two (2) bill payments to a service provider (i.e. utility bill, cable, etc.) in Online Banking and/or in Mobile Banking from your new Eligible Personal Banking Account. The bill payments must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time November 29, 2019.

Please read the T&C on the RBC website for this promotion.

Monday, May 20, 2019

Receive 30% more Avios when you convert your RBC Rewards points

Deal Link:
Expiry: Jun 30, 2019

As an RBC Avion Cardholder, you can receive 30% more Avios when you convert your RBC Rewards® points between now and June 30, 2019. That’s 1.3 Avios for every RBC Rewards point converted.

As an RBC Avion® cardholder+ you can convert RBC Rewards points to Avios as often as you want. A minimum of 10,000 RBC Rewards points must be converted to receive your 30% bonus Avios.

Thursday, May 16, 2019

KOHO Prepaid Visa: Earn $60 bonus

Deal Link:

KOHO is a reloadable prepaid Visa with smartphone App. You can download the App from their website. I think that KOHO is a smart way to save and spend. It looks like the STACK prepaid MasterCard we introduced before (see link:, but it also has some different benefits. I think KOHO is a very useful card for some people.

Current Air Miles Promotions (Updated on May 2019)

There are a few really nice Air Miles promotions lately. Hope you can enjoy them.

1) Install the AirMilesShops Chrome extension and earn 10 Bonus Miles
Deal Link:
Expiry: Jun 30, 2019
Comments: This one is easy to earn. Limit one offer per Air Miles Number. You may need to refresh the website a few times to see this offer.

Wednesday, May 15, 2019

Earn 3X Hilton points for every $1 spent on Lyft rides

Deal Link:

You can earn 3X Hilton points for every $1 spent on Lyft rides in the US and Canada (mainly in the Toronto area).
  • Each ride you take is different depending on ride type, distance, city etc. Taxes, Highway Tolls, Fees, Tips and Lyft Credits are excluded from the amount that is applied toward Hilton Honors Points awarding. 
  • Members will earn three (3) Hilton Honors Points per $1 USD spent on Lyft, Lux, Lux Black, Lyft XL, Lux Black XL and all other Lyft Ride Types priced higher than Lyft classic
  • Members will earn two (2) Hilton Honors Points per $1 USD spent on Lyft Shared (and other Shared Rides)
Not much, but it can keep your Hilton points from expiring.

How it works:
1) Link: Get started by linking your Hilton Honors and Lyft accounts.
2) Ride: Start earning Hilton Honors Points when you take a Lyft ride in the US and Canada.
3) Earn: Hilton Honors Points will be deposited into your Hilton Honors account after each Lyft ride.

Monday, May 13, 2019

No Frills Presents: Hauler Aisles of Glory

Deal Link:

Hauler Aisles of Glory ™ is a web-based game played in-browser on mobile, desktop and tablet. As an extra incentive to play, you can earn 500 PC Optimum points per day, just for playing the game. Please see the Game Rules for full details on how these PC Optimum points are awarded.

Friday, May 10, 2019

How to buy Bitcoin in Canada

Updated on May 10, 2019: Bitcoin price is around USD $6400 now (~20% increase in a month). Honestly speaking, I don't expect this. Actually, I sold my Bitcoin around USD $6000...  😢

Bitcoin price is around USD $5300 now (Apr 10, 2019), which is much higher than the price of USD ~$3000 just a few month ago. Some friends asked me recently how to buy Bitcoin in Canada. So, I would like to introduce the options for Canadians to buy bitcoin today. Note: I am NOT telling you that you should buy those cryptocurrencies now. All I provide here is just an introduction of the workflow.

Thursday, May 9, 2019

GCR: 10% cash back for purchases

Deal Link:

You can earn 10% cash back for purchases in the categories of Home, Apparel, Kitchen, Beauty, Shoes & Accessories, Luggage, Jewelry, Watches and Beauty, if you do it through GCR. Besides, you can get the GCR bonus even if you pay the purchases with Amazon Gift Card. Therefore, you can buy Amazon Gift Card from grocery stores with AmEx Cobalt card and earn extra ~5% bonus. Totally, you can get up to ~15% cash back for Amazon eligible purchases.

From my point of view, 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. If you want to sign up for GCR, please use our referral link as follows: , and input our email as a referral: . GCR will give you extra $3 bonus (we will also get some bonus. Thanks).

Updated on May 9, 2019: This GCR 10% cash back offer is still ongoing. And I did receive 10% bonus on Amazon eligible purchase. Still enough time left if you want to buy some gifts for Mother's Day!

EQ Bank Savings Plus Account: 2.30% Everyday High Interest

EQ Bank Savings Plus Account is one of my favorite accounts.  Some features of the account are as follows:
  • No monthly fees or hidden charges
  • Unlimited transactions
  • No minimum balance requirements
  • Send and receive Interac e-Transfers®: Free and unlimited
  • Award-winning mobile app
  • Unlimited mobile cheque deposits
  • NSF (Non-Sufficient Funds) chargeback fees for returned items: Free
  • Free and instant EQ to EQ transfers
  • Free bill payments (not common for a Savings account)
  • You can link it to other banks' account. Transfer between linked accounts (bank to bank) is free.
It is currently offering one of the highest rates in Canada: 2.30% everyday interest* rate (*interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice). If you want to open a EQ Bank Savings Plus Account, please click the banner below. Thanks.

EQ Bank Savings Plus Account

Wednesday, May 8, 2019

The Heaviest Canadian Metal Card

Most of the credit cards are made of plastics with weight ~5g. But some credit cards are made of metal. Do you know that not all metal cards have the same weight? So, which Canadian metal card is the heaviest? Thanks for the help of our readers, here is the result:

1) AmEx Business Platinum: 17.6g

2) AmEx Platinum: 17.5g

3) HSBC Jade WEMC: ~16g

4) AmEx Centurion: ~14g (based on online information)

5) RBC Avion Visa Infinite Privilege for Private Banking: no information

If you have more information about the Canadian metal card weight, please provide your comments below (or email us: Thanks.

Tuesday, May 7, 2019

Fido Tablet Data Only Plan

Deal Link:

You can get Fido Tablet Data Only Plan at $15 for 4GB per month if you are one of the Fido postpaid wireless customers (with a Fido Talk, Text and Data Plan) now. You can get it from Fido Store or by calling Fido support anywhere in Canada. You don't need to buy a tablet from Fido. But if you need a tablet, you can consider the Samsung Tab A, which is Free with a 2-year data plan.

Note: A one-time Transaction Fee applies for the processing of your service request. This is a great deal. I have been on this service since August 2016 (only 3GB per month) and I am very satisfied with it.

Monday, May 6, 2019 Earn 3X Aeroplan Miles

Deal Link:
Expiry: May 12, 2019

You can earn 3 Aeroplan Miles for $1 spent on from Apr 29 to May 12, 2019 when you enter promo code "AERO3" on the checkout page.

Sunday, May 5, 2019

Rexall: 15% off on participating gift cards (Expired)

Expiry: May 9, 2019 (while supplies last)

When you buy gift cards (La Vie en Rone, Boston Pizza, H&M, Roots, KOBO, SportChek,Wayspa, Spotify) in Rexall stores, you can get 15% off before May 9, 2019. In some stores, you can even use Rexall gift card to buy other gift cards.

Friday, May 3, 2019

Current Tangerine Bank Promotions (updated on May 2019)

Expiry: May 24, 2019

Tangerine Bank (a subsidiary of Scotiabank) is one of my favorite Canadian Banks (almost free services with good interest rates). Here are some current Tangerine promotions:
  • Before May 24, 2019, you will earn $50 when you open any type of Tangerine Bank Account with a minimum deposit of $100, using a friend’s Orange Key (your friend will get bonus too). As you may know, Tangerine Bank is a subsidiary of Scotiabank, and you can use Scotiabank ABM for free. 
  • If you switch your payroll direct deposits to your Tangerine Chequing Account by May 30, 2019; OR switch 2 pre-authorized payments of at least $50 each by May 30, 2019, you will earn $150 bonus.
  • Your first book of 50 cheques is free. And you can also transfer money by email for free!
  • As a new Tangerine client, you can earn interest at 2.75% with Tangerine for six months on all deposits made to your first Tangerine Savings Account, Tax-Free Savings Account, or RSP Savings Account starting the day you open the Account. Normal interest rate is 1.25%. 
  • Tangerine Money-Back MasterCard is officially launched (2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.5% Money-Back Rewards on all other purchases. If you deposit your Money-Back Rewards into a Tangerine Savings Account, you can get a 3rd 2% Money-Back Category). If you apply for the Tangerine Money-Back Credit Card by July 31, 2019, you can earn 4% Money-Back Rewards in up to 3 chosen categories for your first 3 months, instead of the usual 2%.

For opening Tangerine bank accounts, you can either show your ID at a Canada Post Outlet or at a Tangerine Café, or you can send Tangerine a cheque from your other bank to verify your identity. After you open your Tangerine Bank accounts, you can have your own Orange Key and you can use it to refer your friends.

If you want to apply for the Tangerine Money-Back MasterCard, please click the pic below. Thanks.

Money-Back Credit Card

Thursday, May 2, 2019

AmEx Offers (Canadian Version) is online now!

Finally, AmEx Offers come to Canada. You can log-in the above link with your account information (from my experiences, you better not use a mobile devices for now). Then, you’ll see all the Amex Offers you have available on a given card.

These offers come from a wide variety of merchants. You need to register them to your card before using them. And you can check how many credits you earned from previous offers.

This is very convenient. I am sure that you will see these offers in your AmEx app in the future. But please remember, all these offers are targeted. You may get 0 offer in your account. Please let us know if you see any offers that not shown here. Thanks.

Updated on May 2, 2019: AmEx Canada App was updated and included this AmEx Offers in the app. You can also log-in your online AmEx account to see your offers.

Monday, April 29, 2019

Carrot Rewards Program Introduction

Carrot Rewards is a smartphone app to motivate Canadians to live healthier, more active lives. It is developed in part with the Public Health Agency of Canada and is backed by the Canadian government.

Sunday, April 28, 2019

Hilton Q2 Promotion

Deal Link:
Expiry: Sep 8, 2019

Hilton Q2 promotion is here. You can earn Double Points on every stay starting on your second stay, in addition to Plus-Up Point Bonuses along the way before Sep 9, 2019. Just good for the summer vacations!

Saturday, April 27, 2019

Manulife Advantage Account: 3.35% promotional rate for 6 months

Deal Link:
Expiry: May 15, 2019

3.35% promotional rate is for a new personal, non-registered, Canadian-dollar Advantage Account. The promotional interest rate is made up of the regular posted annual variable interest rate of 1.50% and the variable annual promotional rate of 1.85%. Interest is calculated daily and paid monthly on net new deposits for the first 182 days (6 months) after account opening to a maximum of $500,000. Any change to the regular interest rate will result in a corresponding change to the promotional interest rate. The offer is limited to one account per client and cannot be combined with other offers. The offer and rates are as of January 7, 2019 and subject to change without notice. 

Wednesday, April 24, 2019

Paytm: Pay bills with credit cards and earn bonus

Updated on Apr 24, 2019

Starting Apr 24 until May 24, 2019, you will receive a $5 e-gift card when you make a $1000+ credit card bill payment using the Paytm Canada app. Once your credit card bill payment has been completed, the e-gift card will be found in the "My Pocket" section of the app.

Tuesday, April 23, 2019

Please follow us on Twitter

Updated on Apr 23, 2019: Thank you for helping me reach 100 followers! I literally couldn't have done it without you! 😄

Just in case that someone may not know, we do have a official Twitter account for our website. We use that to share some interesting information on promotions/credit cards/rewards/travel/investment etc. Please follow us on Twitter:, and let's enjoy the rewards together! Thanks.

WestJet: Status match to Gold or Silver

Deal Link:
Expiry: May 23, 2019

From now until May 23, send in proof of your top-tier status for Altitude, Aeroplan or VIPorter and get WestJet Rewards Gold or Silver benefits until December 31, 2019:

Friday, April 19, 2019

Which one is the BEST no foreign transaction fee credit card in Canada (2019)

Updated on Apr 19, 2019: Thanks for the votes. Now we have a winner. Rogers WEMC is no doubt the Best no foreign transaction fee credit card in Canada (2019).

Which one is the BEST no foreign transaction fee credit card in Canada (2019)? We would like to know your opinion. Please vote at:  If you want to vote for other credit cards, please leave your comments below. Thanks. Once the vote is finished, we will post the results here.

Wednesday, April 17, 2019

Alaska Airlines: Buy Mileage Plan Miles with up to 50% bonus

Expiry: May 19, 2019

From now to May 19, 2019, you could get 50% bonus when you buy Alaska Mileage Plan Miles (>40000 miles).

Sunday, April 14, 2019

HSBC: Get up to 3% interest rate on new deposit

Deal Link:
Expiry: Sep 3, 2019

You can get up to a 3% total interest rate per annum on New Deposits to your CAD HSBC High Rate Savings Account from April 15 – September 3, 2019. That’s a bonus interest rate of 1.85% until the end of the promotion period in addition to your regular interest rate on all New Deposits.

Tuesday, April 9, 2019

Spotify Premium: Get a free Google Home Mini

Deal Link:
Expiry: May 9, 2019 (or while supplies last)

Premium for $9.99 CAD/mo. One device redemption code per account. CA only. Shipping & handling by Google: a Google account and Google-approved form of payment required to redeem a device. Offer available until May 9, 2019, or while supplies last. Devices must be redeemed by May 31, 2019. Trial users not eligible. 

Westjet: 3-day sale

Expiry: Apr 11, 2019

Take advantage of 15% off Basic & Econo base fares and visit popular destinations across Canada, the U.S., Mexico, the Caribbean and Europe for less. Coupon code: M38AY51

Book by: April 11, 2019 (11:59 p.m. MT)
Travel: April 23 - June 26 and September 3 - October 27, 2019
Blackout dates: May 16-18, 20, June 27 - September 2, October 10-12, 14, 2019
Applicable fare classes: Basic; Econo (excluding EconoFlex)

Monday, April 8, 2019

HSBC World Elite MasterCard: Up to 60000 points + FYF

Deal Link:
Expiry: Jun 30, 2019

HSBC just released an amazing welcome offer for the HSBC World Elite MasterCard.

If you apply it by Jun 30, 2019, you can receive up to 60,000 Points (Value ~$300):
  • Welcome Bonus of 20,000 Points
  • Earn 2X on all purchases for the first 3 months up to a maximum earn 40,000 Points
Plus, HSBC will waive the first-year annual fee for the primary cardholder (offer excludes Quebec residents).

Thursday, April 4, 2019

AmEx Cobalt: Up to 30000 MR Points and $60 Bonus

Deal Link:
Expiry: Apr 30, 2019

AmEx Cobalt Card is one of the best credit cards in Canada. Now, you can earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in purchases on your Card. This could add up to 30,000 points in a year. Plus you can also earn $60 cash back rebate from GCR, if you apply this card through GCR before Apr 30, 2019 (the annual fee is $120. So, it is similar to half annual fee rebate with GCR bonus).

GCR is the oldest and probably 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.

If you want to sign up for a GCR account, please use our referral link below: , and fill in our email ( as referral email address during registration. GCR will give you extra $3 bonus (We will also get some bonus. Thanks).

Wednesday, April 3, 2019

Simplii Financial: New clients can earn $200

Deal Link:
Expiry: Jul 31, 2019

New Simplii Financial customer will receive one $200 cash reward if they open a new No Fee Chequing Account before Jul 31, 2019 and perform either option 1 or 2 within 90 days after opening the Eligible Accounts. Each Eligible Customer is eligible to receive only one $200 cash reward.

Monday, April 1, 2019

STACK Prepaid MasterCard: Earn $20 bonus

STACK is a smarter way to spend, save, and share money–anytime, any place–with a mobile app or Prepaid MasterCard. Right now, STACK is available in Canada, excluding Quebec.

Thursday, March 28, 2019

Safeway & Sobeys: Get a Free $25 Canadian Tire gift card

Expiry: Apr 3, 2019

You can get a bonus of $25 Canadian Tire Gift Card when you buy $300 in Canadian Tire Gift Cards between Mar 28 to Apr 3, 2019. This is equal to ~7.7% off. You can also get nice credit card rewards if you have the AmEx Cobalt Card or CIBC Dividend Visa Infinite. I think this is a great offer, especially you can use Canadian Tire gift card for gas purchase at Canadian Tire Gas Bar. BTW, I strongly recommend you use this offer at Sobeys, as you can get additional bonus cash back from Paymi/Sobeys offer ( If you can add all those related offer together, you can get ~14% cash back.

Wednesday, March 27, 2019

AmEx Cobalt: Earn 2000 bonus (Targeted)

Expiry: May 31, 2019

From Mar 27 to May 31, 2019, when you make 3 separate qualifying transactions of $25 or more with your AmEx Cobalt card at eligible stand-alone gas station in Canada and you can earn 2000 bonus points. This one is very easy. Don't forget, you can also earn 2X points for gas station purchases.

IHG: Go straight to Spire elite membership (Targeted)

Deal Link:
Expiry: Apr 30, 2019

Now, you can try IHG Spire Elite for 90 days as soon as you join or register. Offer expires on Apr 30, 2019. And then, simply stay a few nights to keep your Spire Elite status:
  • Stay 10 nights (instead of 75) in 90 days and keep Spire Elite status.
  • Stay 5 nights (instead of 40) in 90 days and keep Platinum Elite status.

Note: this offer is targeted to full time employees of an Eligible Company.

The benefits of IHG Rewards Club Spire Elite status:
  • 100% bonus points
  • Complimentary room upgrades
  • Early check-in from 10am
  • Extended check-out until 2pm
  • Priority check-in
  • Free internet

Monday, March 25, 2019

Convert hotel points to Aeroplan for bonus

Expiry: Apr 22, 2019

If you have points from hotel loyalty programs and you're unsure what to do with them, now's your chance to convert them into Aeroplan Miles! You'll even receive a 35% bonus when you convert them before Apr 22, 2019.

Sunday, March 24, 2019

Alaska Mileage: Earn double miles on flights

Deal Link:
Expiry: May 31, 2019

You can earn double miles on new Cathay Pacific flights, flying nonstop four times weekly between Seattle and Hong Kong.

Here's how it works:
  • Register your Mileage Plan number before your first trip.
  • Travel on qualifying Cathay Pacific nonstop flights from March 31, 2019 through May 31, 2019, and you'll earn double Mileage Plan miles.

Expiry: May 31, 2019

Starting March 31, fly Japan Airlines nonstop between Seattle and Tokyo and earn double base miles on select Economy and Business Class fares along the way.

Here's how it works:
  • Register your Mileage Plan number before your first trip and no later than May 31, 2019.
  • Travel on qualifying Japan Airlines nonstop flights March 31, 2019 through May 31, 2019, and you'll earn double Mileage Plan miles.

Get up to 50% more Choice Privileges points

Expiry: Apr 22, 2019

When you buy Choice Privileges points through Apr 22, 2019, you will receive up to 50% more bonus points. This is the biggest bonus offer. So, you can get 75000 points with USD $550.

Thursday, March 14, 2019

SportChek: Apple Watch Series 4 promotion

Deal Link:
Expiry: Mar 20, 2019

You can collect 50x Bonus Canadian Tire Money with a Triangle Rewards card or a Triangle credit card on select Apple Watch Series 4 purchases in Sport Chek stores & This promotion is valid from Mar 14 - 20, 2019. 50x Canadian Tire Money is equal to 20% cash back.

Excludes select styles. Accessories not included. Selection & availability may vary by location. No Rainchecks on bonus CT Money. Not valid on gift cards or shipping. Other exceptions may apply.

Don't forget to combine the SportChek offer from Paymi (someone has the targeted offer for 5%/10% on SportChek purchase):

BTW, if is possible that you can earn additional 20x (using your Triangle Rewards Card) or 30x (using your Triangle credit card) when you shop in SportCheck stores or online from Mar 15 - 16, 2019

Wednesday, March 13, 2019

AmEx: Save 15% on your next Air Canada flight (Targeted)

Expiry: Mar 28, 2019

I just received a targeted offer from AmEx. If I book on between March 13–28, 2019 to receive 15% off eligible Air Canada base fares. To redeem this offer, I need to enter my personal promotion code provided by AmEx at checkout. Personal promotion code is valid for one-time use only.

How to redeem:
  • Choose travel dates between March 28 and June 15, 2019 or between September 15 and December 15, 2019, and enter your promo code on this page
  • Pick any Air Canada destination departing from Canada
  • Select an eligible fare including Standard, Flex, Comfort, Latitude, Premium Economy, Premium Rouge, Business Class and Signature Class

Marriott: Start Earning Double on Your Second Stay

Deal Link:
Expiry: May 21, 2019

Earn double points on stays — starting with your second stay — with no earning limits. Register now to earn on stays from March 19 through June 4, 2019, at more than 6,700 Marriott hotels around the world. Registration ends May 21, 2019.

Tuesday, March 12, 2019

Point Valuations (Canadian Version)

One of the most frequent questions I get from my friends/readers is "What are the points & miles worth?" This is a difficult question and there is no right answer for it. Every one may have different opinions on it based on their experiences and priorities.

Also, there are many versions of point valuations online, but most of them are for US people. Therefore, I would like to present my personal point valuations (Canadian Version) as follows: