Turn your Aeroplan points into Starbucks Stars

 

Deal Link: https://www.aircanada.com/ca/en/aco/home/aeroplan/partners/starbucks.html#/

Expiry: Dec 31, 2022

The standard ratio by converting your Aeroplan points to Starbucks Stars is 1,000 points = 200 Stars. If you convert your Aeroplan points into Stars before December 31, 2022 11:59 ESR, you will also earn 150 bonus Stars. You need a minimum Points balance of 1,000 Points to convert. Once you convert your Points into Stars, you cannot reverse the conversion. Stars converted from Points are subject to the Starbucks Rewards terms of use. As a result, Stars converted from Points will expire six months after the calendar month in which such Stars were converted.

RBC WestJet WEMC: 500 welcome WestJet dollars

Deal Link: https://www.westjet.com/en-ca/rewards/credit-cards/500wsdoffer

Expiry: Dec 31, 2022

When you get the RBC WestJet World Elite Mastercard before Dec 31, 2022, you will receive 500 WestJet dollars if you spend $5000 CAD in the first three months after activation. That’s potentially $500 off the base fare of your next WestJet flight. And, you can get a 12-month complimentary DashPass subscription when you add your eligible RBC credit card to your DoorDash account. Then you can enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card for 12 months.

EQ Bank Savings Plus Account: One of the Best High Interest Savings Accounts in Canada

Updated on Dec 13, 2022: EQ Bank is officially available in Quebec.

The EQ Bank's Savings Plus Account is one of my favorite bank accounts. It helps you get the most out of your money, with no monthly fees, no minimum balances and free transactions.

Costco.ca Spend and Get Offer (Expired)

 

Deal Link: https://www.costco.ca/shop-card-offer.html

Expiry: Dec 11, 2022

You can get a $300 Costco digital shop card when you spend $2000+ on qualifying Costco.ca items. Only valid for orders placed Dec 10 to 11, 2022. The $300 Costco Digital Shop Card is delivered to the 'Bill To' email address on the purchaser's Costco.ca account within 5 to 7 business days from the date that the complete Costco.ca order has shipped, subject to compliance with the terms and conditions.

AmEx Crave Offer

 

Expiry: Mar 9, 2023

Spend at least $150 in qualifying purchases using your registered Amex Card directly with Crave online at www.crave.ca/subscribe by Mar 9, 2023 and earn a one-time $30 statement credit. Only the first 16,000 cards to be successfully registered are eligible for the offer.

UGO Wallet: Buy Sobeys Gift Card and Get Rewarded

Expiry: Dec 21, 2022

You can get bonus Sobeys e-gift cards when you buy Sobeys e-gift cards in UGO Wallet! For every $100 of Sobeys e-gift cards you buy in UGO Wallet between Dec 5 and Dec 21, 2022, you'll get a bonus $10 Sobeys e-gift card, up to a maximum of $100 in bonus Sobeys e-gift cards per customer.

Sobeys e-gift cards can be used at Sobeys, IGA, Safeway, Foodland, FreshCo, Thrifty Foods, Sobeys Urban Fresh, Sobeys Extra, Price Chopper and Lawtons Drugs locations across Canada.

AmEx Tim Hortons Offer

 

Expiry: Dec 31, 2022

Spend at least $10 in qualifying purchases using your registered AmEx Card at participating stand-alone Tim Hortons location(s) or on the Tim Hortons App by Dec 31, 2022 and earn a one-time $5 statement credit. Online purchases are excluded. Only the first 20,000 cards to be successfully registered are eligible for the offer. 

Brim World Elite MasterCard: Earn $500+ in First Time Bonuses + FYF

Updated on Nov 29, 2022: Brim World Elite MasterCard annual fee is $199, and you can earn 2% cash back with this card. For now, Brim World MasterCard will be waived for the first year of membership. This offer is only available to new Brim cardholders. Offer subject to change at any time. Annual fee waiver may take up to two billing cycles to appear on your account. And you can also earn $500+ in First Time Bonuses. Offer is valid until Dec 31, 2022. If you want to apply it, please use our referral code, thanks: 97068 (or referral link: https://brimfinancial.com/?code=97068). You will earn additional $10 bonus.

Deal Link: https://brimfinancial.com/signup

Expiry: Dec 31, 2022

Brim World Elite MasterCard is a very good credit card with $199 annual fee. It will not charge any foreign transaction fees on purchases in another currency, online or abroad. And you can get free global Wi-Fi provided by Boingo and premium insurance coverage.

You can earn 2% back in Brim Rewards points when you use Brim WEMC for purchases (for example, in Costco). In addition to the 2%, you can also get extra points through InCard offers and eShop offers in the Brim app. And you can also earn 2X the points on all payments with Amazon, Spotify and Netflix, which is 4% back with Brim WEMC.

For now, Brim WEMC annual fee of $199 will be waived for the first year of membership. This offer is only available to new Brim cardholders. Offer subject to change at any time. Annual fee waiver may take up to two billing cycles to appear on your account. And you can also earn $500+ in First Time Bonuses. 

Some of our readers told me that if you call Brim at the end of the 1st year, Brim may only charge you $99 annual fee for the Brim WEMC for the 2nd year. Honestly speaking, $99 annual fee for a 2% cash back MasterCard is not a bad deal. Brim may even waive your Brim WEMC annual fee for the 2nd year, if your 1st year card spending is high.

Brim Financial has a referral program. When you refer your friends to open a Brim MasterCard, you will earn 2000 points ($20 value) for every friend that successfully signs-up and activates card. Then your friends will receive 1000 points ($10 value) when they activate.

If you need a referral code, please use ours, thanks: 97068 (or referral link: https://brimfinancial.com/?code=97068)

Updated on Dec 1, 2021: Brim MasterCard is the first in Canada that can be live in your Apple wallet instantly. You can start using your new digital card with Apple Pay within seconds of submitting your application. 

Updated on Jan 24, 2022: Brim's Installment Pay is a feature that allows you to divide purchases over $500 into smaller monthly payments. Brim charges 0% interest on this service. But Brim charges a fixed installment fee (7% of the overall purchase price) to your first statement. Your monthly payments thereafter are simply the original purchase price divided by the number of months you have chosen to install over, plus a monthly processing fee of 0.475% of the original purchase price. Brim's Installment Pay plans range from 12 to 24 months. You can choose what works best for you. You can call Brim Services at 1-886-305-2746 to cancel your installment plan if you want to pre-pay your installment plan. BTW, Brim's Installment Pay program is not available in Quebec now.

Updated on Sep 20, 2022: I just received 500 points (value $5) from Brim Financial as a birthday bonus! BTW, Brim World MasterCard is no longer listed on the website. I am not sure if it is permanent or not. Brim WEMC is still good. 

BTW, if anyone wants to leave his/her referral code below, please use the following format ONLY: "My Brim Financial referral code is: *******." Other format will be deleted. Thanks. 

AmEx American Airlines Offer

 

Expiry: Dec 31, 2022

When you spend at least $600 in qualifying flight purchases using your registered AmEx Card directly on the American Airlines website at https://www.aa.com/homePage.do?locale=en_CA by Dec 31, 2022, you can earn a one-time $200 statement credit. Only the first 30,000 cards to be successfully registered are eligible for the offer. 

Open a TD Account and Earn a $300 Amazon.ca Gift Card + 10000 Aeroplan Points

Deal Link: https://www.td.com/ca/en/personal-banking/new-bank-account-offers-promotions/AP/

Expiry: Jan 31, 2023

When you open an eligible TD chequing account and you could earn a $300 in Amazon.ca Gift Cards plus 10,000 Aeroplan points exclusively for TD Aeroplan customers.

To be eligible for this offer, you must be a new TD Chequing Customer and must not have had a TD Chequing account in the last 12 months, in addition to other qualifying conditions. Open one of the two eligible TD chequing accounts between November 1, 2022 and January 31st, 2023 complete two of the following by March 28, 2023:

• Set up a Recurring Direct Deposit from your employer, pension provider or the Government. Deposits must occur weekly, biweekly, monthly or twice per month.
• Setup a Recurring Pre-Authorized Debit Payment of at least $50.
• Make an Online Bill Payment of at least $50 through EasyWeb or the TD app.

AmEx Microsoft Offer

 

Expiry: Dec 31, 2022

Spend at least $800 in qualifying purchases using your registered AmEx Card at www.microsoft.com/en-ca/ by Dec 31, 2022 and earn a one-time $200 statement credit. Only the first 20,000 cards to be successfully registered are eligible for the offer. 

AmEx Travel Offer

 

Expiry: Dec 20, 2022

You can earn 5 bonus Membership Rewards points for every dollar in qualifying purchases for prepaid hotels and car rentals using your registered AmEx Card at www.americanexpress.ca/travel by Dec 20, 2022. Limit 5,000 Membership Rewards points. It is not combinable with Centurion FHR benefits at select properties. Only the first 25,000 cards to be successfully registered are eligible for the offer. 

Wealthsimple Cash Introduction

Updated on Nov 10, 2022: Wealthsimple will no longer issue VISA card to clients. Instead, all Wealthsimple Cash Cards will be affiliated with Mastercard. With this new Wealthsimple Cash Mastercard, you can get 1% back with your purchase and you can earn 1.5% interest when you save.

 

Wealthsimple Cash is one of the Wealthsimple products. You can use it to split takeout or rent, send a friend cash for a coffee, or request money instantly. With Wealthsimple Cash there are no monthly account fee and no low balance fees.

Aeroplan eStore Black Friday Offers (2022)

Deal Link: https://www.aircanada.com/ca/en/aco/home/aeroplan/promotions/black-friday-credit-cards.html#/

Expiry: Nov 29, 2022

Register now with your Aeroplan® credit card from Nov. 24-29, 2022 to earn a 10pts/$1 spent on Black Friday deals when you shop 200+ retailers via the Aeroplan eStore. During the Offer Period, the primary cardholder of an Aeroplan cobrand credit card will earn 10 Aeroplan points for every Aeroplan point earned on qualifying purchases charged to the Account and initiated through Aeroplan eStore or via the Aeroplan Shopping Button. In addition to the Base Earn, the 10 Aeroplan points offer is based on the awarded 1 Aeroplan point earned for each $1.00 spent, excluding taxes, shipping fees, custom duties or any other types of surcharges. Online registration is required.

AmEx Offer: Marriott Hotels

Expiry: Dec 31, 2022

Spend at least $500 in qualifying purchases using your registered AmEx Card directly at participating Marriott Bonvoy™ properties in Canada or at www.marriott.com by Dec 31, 2022 and earn a one-time $100 statement credit. Only the first 40,000 cards to be successfully registered are eligible for the offer. 

AmEx Offer: Spend $3000+ and earn 6000 bonus Marriott Bonvoy points

 

Expiry: Dec 31, 2022

Register your AmEx Marriott Bonvoy Card for this special offer and when you spend $3,000 in qualifying purchases, you can earn 6,000 bonus points. Offer valid from November 1st until Dec 31, 2022. To be eligible for 6,000 bonus Marriott Bonvoy points one-time, one single qualifying purchase or cumulative qualifying purchase(s) that total at least $3,000 (CAD), after taxes and applicable fees, must be charged to your registered Card at American Express Card accepting merchants by Dec 31, 2022 and subsequently posted to your account. 

STACK Prepaid MasterCard Introduction

Updated on Nov 1, 2022: STACK will be implementing fees that depend on cardholder's transaction levels, E-Transfers, cash load, ATM usage, and account closures beginning Dec 1, 2022. Most of these fees will be reimbursed on a monthly basis to cardholders who spend more than $350 CAD per calendar month. To learn more about these fees, please see the table above. Honestly speaking, I don't like these new fees of STACK Prepaid MasterCard, and I plan to cancel this card before Dec 1, 2022.

Shopping.ca Gift Card Singles' Day Promotion

 

Deal Link: https://shopping.ca/singles-day/

Expiry: Nov 13, 2022

To celebrate Singles' Day, you can get $25 bonus gift card when you purchase of $250 or more in shopping.ca gift card. This offer is valid for both online and in-mall (Ivanhoe Cambridge shopping malls) purchase. When you purchase online, please make sure that it shows $25 reward card free gift in the order summary. BTW, you can also combine this offer with the Amex offer "Spend at least $200 and Earn a $30 credit - Shopping.ca gift card".

Convert hotel loyalty program points to Aeroplan and Get 20% more bonus

Deal Link: https://www.aircanada.com/ca/en/aco/home/aeroplan/promotions/convert-your-points.html#/

Expiry: Nov 13, 2022

Convert your hotel loyalty points to Aeroplan points by November 13, 2022, and you will get 20% more bonus. The following hotel loyalty programs are considered Participating Hotel programs for this offer:

• Accor All Live Limitless
• Best Western Rewards
• Choice Privileges
• Coast Rewards 
• Hilton Honors
• IHG One Rewards
• Radisson Rewards America 
• Shangri-la Golden Circle 
• Wyndham Rewards

Note: Marriott Bonvoy is not a participating hotel partner for this promotion.

Flair Airlines: 100% off base fare on flights between AB & BC

Deal Link: https://flights.flyflair.com/en-ca/deals

Expiry: Oct 21, 2022

You can get 100% off base fare on Flair Airlines flights between Alberta and British Columbia between Oct 20 to Oct 21, 2022 with promo code: 100OFF. The travel dates need to be between October 25, 2022 to December 14, 2022 and on Tuesdays and Wednesdays only. The blackout dates are November 10 - 14, 2022. Promo code applies to base fare only and does not apply to taxes and fees. Limited seats available for a limited time.

AmEx Offer: Shopping.ca Gift Card

 

Expiry: Dec 31, 2022

When you spend at least $200 in qualifying gift card purchases using your registered AmEx Card at participating Ivanhoé Cambridge Guest Services kiosks or at www.shopping.ca/amexoffer by Dec 31, 2022, you can earn a one-time $30 statement credit. Only the first 10,000 cards to be successfully registered are eligible for the offer.

Convert RBC Rewards Avion points into BA Avios and receive 30% bonus

Expiry: Nov 16, 2022

If you convert your RBC Rewards Avion points into BA Avios before Nov 16, 2022, you will receive 30% more bonus. This is a targeted offer for RBC Avion Elite members.

AmEx Tap to Pay Offers

Expiry: Dec 31, 2022

There are 2 new AmEx Tap to Pay offers for cardholders.

1) Make 10 separate qualifying purchases of at least $10 each with your registered AmEx Card using your Card’s contactless feature or through Google Pay, Apple Pay or Samsung Pay by Dec 31, 2022 at participating businesses and earn a one-time $20 statement credit. Only the first 50,000 cards to be successfully registered are eligible for the offer. 

2) Make a qualifying purchase of at least $5 with your registered AmEx Card using your Card’s contactless feature or through Google Pay, Apple Pay or Samsung Pay by Dec 31, 2022 at participating businesses and earn a $2 statement credit. Limit of 10 credits. Only the first 30,000 cards to be successfully registered are eligible for the offer. 

Costco.ca: Get a $500 Shop Card when you spend $3000 (Expired)

Expiry: Oct 7, 2022

You can get a $500 Costco Digital Shop Card when you spend $3000 or more on Costco.ca and enter promo code "OCTPROMO2022" at checkout. Maximum of one (1) $500 Costco Digital Shop Card is available to a Costco member (membership number) during the promotional period, subject to the terms and conditions. Only valid for orders placed between Oct 6 and Oct 7, 2022.

Elevate your Avis Preferred status with Aeroplan

 

Deal Link: https://www.aircanada.com/ca/en/aco/home/aeroplan/partners/avis.html#/

Aeroplan and Avis are pleased to offer complimentary membership to Avis President’s Club or Avis Preferred Plus for all Aeroplan Elite Status Members and the primary cardholder of an Aeroplan Premium Credit Card.

Avis President’s Club membership is now available for all Aeroplan 75K and Super Elite Members as well as the primary cardholder of an Aeroplan Premium Credit Card: including Aeroplan Visa Infinite Privilege cards and American Express (Business) Aeroplan Reserve cards.

Avis Preferred Plus membership is now available for all Aeroplan 25K, 35K and 50K Members.

AmEx Disney+ Offer

 

Expiry: Sep 28, 2023

Make a qualifying purchase of at least $119.99 in a single transaction on an annual Disney+ subscription using your registered AmEx Card at www.disneyplus.com by Sep 28, 2023 and earn a $119.99 statement credit. Limit of 1 credit. This is a target offer. Only AmEx Platinum and AmEx Aeroplan Reserve cardholders get this offer.

StayVancouverHotels: Get up to $250 in Mastercard gift cards

Deal Link: https://www.stayvancouverhotels.com/stayvancouverhotels/mastercard
 

You can get up to $250 in Mastercard® pre-paid gift cards with a 2-night stay when you book through StayVancouverHotels.com using promo code “Mastercard”. Stay must be between October 1, 2022, and Dec 31, 2022.

Booking consecutive nights as separate reservations will be treated the same as a single reservation for multiple nights. The 2-night stay qualifies for a total of $100, $150, $200 or $250 in Mastercard® gift cards depending upon the hotel booked. Both the first night and the second night qualifies for a $50, $75, $100, or $125 Mastercard® gift card depending on the hotel booked. Mastercard® gift card(s) will be delivered at check-in.

Note: This offer is limited and may end at any time. Bookings may be canceled up to 48 hours prior to check-in. Maximum 3 bookings per guest.

Double AmEx Referral Bonus

Expiry: Oct 26, 2022

As a AmEx MR series, Aeroplan series, Marriott series credit cardholder, you could earn double referral bonus for each approved referral, if you friend applies for the card by Oct 26, 2022. This is based on the standard AmEx referral bonus. This is a really good promotion. Note: AmEx SimplyCash series cardholders don't have this offer.

TELUS will charge a 1.5% credit card processing fee plus tax

 

As of October 17, 2022, TELUS customers with Consumer Mobility and Home Services will be charged a 1.5% Credit Card Processing Fee (plus tax) if they choose to make a bill payment by credit card. The Credit Card Processing Fee applies to both One Time and Pre-Authorized Credit Card bill payments.

To avoid the Credit Card Processing Fee, customers can choose to make their bill payment with an alternative option. The following payment options are not subject to the Credit Card Processing Fee and can be completed in My TELUS:

• Pay Through Bank (One-Time Bank Payment)
• Pre-Authorized Chequing (Recurring Bank Payment)
• Visa Debit
• Visa Prepaid
• Mastercard Prepaid

Enjoy 30% / 25% more points when you transfer your AmEx MR to Hilton Honors /Marriott Bonvoy points

Expiry: Oct 15, 2022

You can earn 30% more points when you transfer your AmEx MR to Hilton Honors points from Sep 15, 2022 until Oct 15, 2022. So the new ratio during promo period is 1000 MR points = 1300 Hilton Honors points.

You can earn 25% more points when you transfer your AmEx MR to Marriott Bonvoy points from Sep 15, 2022 until Oct 15, 2022. So the new ratio during promo period is 1000 MR points = 1500 Marriott Bonvoy points 

This is a good offer! I plan to transfer all my AmEx Cobalt MR points to Marriott Bonvoy points. 

AmEx Offer: Elevated Redemption Rate (Targeted)

 

Expiry: Sep 30, 2022

This is a targeted offer. Please check your email. If you receive this offer, then you can get an elevated redemption rate when you use AmEx MR points for purchases before Sep 30, 2022. The redemption rate is 1000 MR points = $15 in statement credits, which is 50% higher than the normal redemption rate.

Questrade Online Brokerage Introduction

Updated on Sep 7, 2022: Questrade has extended their trading hours on U.S. exchanges to 8:00 pm ET on weekdays (excluding holidays). Since most U.S. markets formally close at 4 pm ET, there are a few things to keep in mind if you’re looking to trade later. To take advantage of these extra hours, you’ll need to use either the Edge Web or Edge Desktop platforms, or the Questrade mobile app, and follow these steps:

• The order must be placed as a Limit order
• Choose AUTO or your preferred ECN (ARCA or NSDQ) - ECN fees may apply
• Choose GTEM (good ‘til extended market) as the duration

BTW, Questrade Pre-market trading on U.S. exchanges is also available between 7 am and 9:30 am ET—please note the steps listed above are also required for pre-market trades. 

Questrade is one of my favorite Canadian online trading platforms. I have my Self-directed Investing Account at Questrade. Questrade opened its doors in 1999 and it is one of Canada's fastest growing online brokerages. Questrade is based in Toronto, Canada. They support all types of accounts : TFSA, RRSP, Margin, RRIF, LIRA etc.

If you are interested in Questrade, please use our referral link: http://www.questrade.com/?refid=jpzzuj4s , or offer code "jpzzuj4s" to open a new Questrade account:

• Self-Directed Accounts: you will receive a $50 trade commission rebate when you open and fund any self-directed account. 
• Questwealth Portfolio: If you open a Questwealth Portfolio account using our referral link, you will receive your first $10,000 managed free for a year. 
• FX/CFD: If you open an FX (Foreign exchange) and CFD (Contracts for difference) account using our referral link, you will receive a $50 cash bonus deposited into your trading account. 

BA: Purchase Avios and receive 50% bonus

Deal Link: https://pgt.shopping.ba.com/

Expiry: Sep 14, 2022

This offer is only open to Members of the British Airways Executive Club (Eligible Participants). The offer is available from 00:01 (BST) 5 September 2022 to 23:59 (BST) 14 September 2022 only. During the Offer Period, Eligible Participants will receive 50% extra Avios (bonus Avios) when they Purchase or Gift Avios. This offer is only valid when you Purchase or Gift 2,000 Avios and above. Offer is not valid when you Purchase or Gift 1,000 Avios.

HSBC 1-year redeemable GIC

 

Deal Link: https://www.hsbc.ca/investments/gic/campaign/one-year-offer/#offer

Expiry: Oct 31, 2022

You can get 4.00% per annum on HSBC’s 1-year Canadian dollar redeemable, non-registered GIC and on a 1-year TFSA Redeemable GIC. The deposit must be made and the confirmation for the Special Offers must be issued during the period from September 1, 2022 to October 31, 2022.