Rewards

Which Aeroplan Credit Card is REALLY Best?

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Aeroplan is the most popular airline rewards program in Canada and any serious collector should have a matching credit card to earn the most miles. Figuring out which Aeroplan credit card is best though isn't an easy task.

I've done all the work for you by comparing each card across 40+ different ranking factors including Aeroplan mile earning rates, sign up bonuses, annual fees, bonus spending categories, 15 types of insurance coverage, exclusive Air Canada benefits, and a long list of other perks that these cards offer.

After the dust settles, each card is left with a single unbiased score out of 5 proving which card really is top dog. A single easy number to help you make the right decision.

Aeroplan Credit Cards Compared and Ranked for 2016

You might think this is just a comparison between Aeroplan branded American Express and CIBC cards. You'd be wrong. TD recently launched 3 brand new Aeroplan branded choices into the fray and cards that earn points that can be easily converted to Aeroplan miles shouldn't be left out either. In all 14 different Aeroplan credit cards have been compared and ranked in the table below from best to worst. Keep reading » about Which Aeroplan Credit Card is REALLY Best?

Which AIR MILES Credit Card Is Best For 2016?

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Two out of every three Canadians collects AIR MILES and, if you want to maximize your rewards, having an AIR MILES credit card just makes sense!

But why settle for any old card, when you could be earning a lot more miles and experiencing a lot more perks by getting the best one?

Figuring out which one is best is easier said than done though ... that's why I analyze every single detail of these cards and then rank them using a comprehensive system I personally developed over the last five years.

No more comparing feature by feature trying to weigh the pros and the cons - you can rest assured that the top card on my list is the best fit for most Canadians. My rankings are also continually updated so you can be sure you aren't getting stale information.

AIR MILES Credit Cards Compared And Ranked

The cards in the table are ordered from best to worst. Please note that the table scrolls horizontally by using the slider at the bottom.

  Credit Card
Apply BMO AIR MILES World Elite MasterCard
Apply American Express AIR MILES Platinum Credit Card
(low min. income!)
Apply BMO AIR MILES World MasterCard
Apply Hudson's Bay MasterCard
Apply BMO Sobeys AIR MILES MasterCard
Apply American Express AIR MILES Reserve Credit Card
Apply American Express AIR MILES Credit Card
Apply BMO AIR MILES MasterCard
Score Miles Per $100 Spent Bonus Miles Annual Fee First Year Free? Extra Cards $25,000 Spend Score $100,000 Spend Score Insurance Score Perks Score
5.0 10.0 1,000
2,000*
$120 No $50 4.6 5.0 5.0 2.9
3.3 8.0 2,000 $65 No Free 4.6 3.2 1.0 2.8
3.0 6.9 0 $99 No $35 3.4 1.4 4.2 1.6
2.6 6.3 0 $0 Yes Free 5.0 1.7 0.0 2.2
2.4 5.5 400
500*
$0 Yes Free 4.6 0.8 0.8 2.2
2.2 8.0 2,400 $299 No $50 0.0 0.4 2.7 5.0
2.1 5.2 500 $0 Yes Free 4.4 0.4 0.2 2.4
2.0 4.8 0
500*
$0 Yes Free 4.2 0.0 0.8 1.9
* Limited time promotion ending soon.
Keep reading » about Which AIR MILES Credit Card Is Best For 2016?

Collecting AIR MILES At Shell: Still Worth It?

collectingairmilesatshellstillworthit.jpgRoyal Dutch Shell, the second largest Big Oil company in the world, operates about 1,300 Shell branded retail stations in Canada.

Rather than offer their own rewards program like Petro-Canada’s Petro-Points or Esso Extra, Shell is a sponsor of the AIR MILES Reward Program. Customers that fill up at Shell can earn AIR MILES on eligible purchases at participating stations in addition to the miles that can be earned with other retail partners.

Shell recently changed their rewards structure yet again. It used to be that you earned 1 mile for every $20 spent on gas. Then, it became 1 mile on the first $30 and 1 mile per $20 spent in the same transaction thereafter.

Now, getting that first mile is much easier with only a 15L purchase required, but chances are it will be the only mile you earn on a single fill up. Have they gone too far with the changes this time?

Read on to see exactly how earning miles at Shell works and how you can maximize your rewards.

Earning AIR MILES with Shell

Keep reading » about Collecting AIR MILES At Shell: Still Worth It?

The Best Use Of Petro Points

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Petro-Canada offers the Petro-Points loyalty program. Members can collect points and exchange them for fuel, car repair and store purchases at any of the 1,500 Suncor branded gas stations.

There is no annual membership fee associated with the Petro-Points program. Sign up at a station to receive a card immediately. Signing up online gives the option to print a temporary card until one arrives in the mail. In each instance, an online account will need to be created and the card number registered. Rewards are redeemed using the online account.

Here’s everything you need to know about collecting Petro-points with Petro-Canada.

Earning Petro-Points

Keep reading » about The Best Use Of Petro Points

The Best Bang For Your Esso Extra Points

thebestbangforyouressoextrapoints.jpgEsso Extra is a loyalty program offered by Esso, one of the largest gas retailers in Canada. It offers everyday rewards like car washes, gift cards and fuel to entice drivers to fill up at one of the 1,700 Imperial Oil branded gas stations.

The Esso Extra program is free to join and there are no annual membership fees. You can join online or become a member at any station with your name, a valid email and Canadian address. Once the Esso Extra card has been received, you will need to create an online account to register the card number. The online account is also used for redeeming rewards.

With the current price of regular running about $1.05/L, an average Canadian family that drives 20,000 KM/year in a vehicle with a combined city/hwy fuel economy of 9L/100 KM would pay $1,890 for a year’s worth of fuel. How many points would be accumulated and what would be the best way to use those points? Here’s what you need to know.

Earning Esso Extra Points

Keep reading » about The Best Bang For Your Esso Extra Points

Are Chapters-Indigo Plum Rewards Worth It?

arechaptersindigoplumrewardsworthit.jpgPlum Rewards is Canada’s largest loyalty program for reading enthusiasts. It offers discounts and special promotions for members that shop at the Toronto-based retail chain Indigo. The Plum Rewards program is available across the country at Indigo’s 92 superstores and 131 smaller format stores operating as Chapters, Coles, SmithBooks and online at chapters.indigo.ca.

Plum Rewards is free to join and there are no annual membership fees. To become a member, you must be 16 years of age. You can join online or at any store location with your name and a valid email address or mailing address and telephone number.

Related: Cut Your Telephone Costs By 90% With Voip

In addition to books, Indigo has expanded to include exclusive product lines, a large toy department, fashionable home décor and even specialized teas. The wide range of products makes Chapters a tempting shopping destination to readers and non-readers alike.

Changes have been made to the Plum Rewards program starting September 3rd, 2015. Here’s what you need to know.

Earning Plum Rewards Points

Keep reading » about Are Chapters-Indigo Plum Rewards Worth It?

What Is An Aeroplan Mile REALLY Worth?

whatisanaeroplanmilereallyworth.jpgWith all the negativity surrounding Aeroplan lately, some people might say they are worthless actually!

Believe me, I’m frustrated too: lack of availability, bad connections, high taxes and fees, and big fuel surcharges (when oil prices were higher) are REAL. Amia needs to wake up and fix these flaws before they lose all their members due to frustration!

However, if you know how to work Aeroplan to your advantage, Aeroplan miles are actually VERY valuable. If you follow the suggestions in my complete guide to the rewards program linked above, then you will easily avoid most of the major pitfalls and start getting maximum value for your miles.

Want to get the best value for your Aeroplan miles? Download the PDF version of this analysis.

The Quick Answer: 3 Cents

Keep reading » about What Is An Aeroplan Mile REALLY Worth?

Canadian Tire Money Finally Comes Out Of The Dark Ages

canadiantiremoneyfinallycomesoutofthedarkages.jpgCanadian Tire ‘Money’ has been in the dark ages as a rewards program for many years forcing you to carry around stacks of worthless bills that were easily lost or left behind.

Things were slightly better if you were a Canadian Tire Options MasterCard holder because you could accumulate the stuff on your credit card but unfortunately that card has a dubious system for paying out rewards and doesn’t give great value anyway. The only exceptions being bonus gas multipliers and in-store offers available exclusively to cardholders that are occasionally worthwhile.

Enter the new My Canadian Tire ‘Money’ program. It has all the features of a modern rewards program making it much more usable and useful. This is still a big step forward for the program even though the return on spending it offers has diminished greatly from a high of 5%, when CT Money first started in 1958, to the meagre 0.4% it is today.

The up side to the low regular rate of return is that it allows them to offer big bonus multipliers, similar to what you see with other programs like Shoppers Optimum and Air Miles, along with individual product bonuses and offers customized specifically for you.

Related: The Best Cash Back Websites For Canadians

Great New My Canadian Tire Money Features

Keep reading » about Canadian Tire Money Finally Comes Out Of The Dark Ages

FREE $100 Gift Card Is BACK!

free100giftcardisback.gifEvery time one of these awesome FREE $100 Gift Card promotions comes up from RateSupermarket.ca, I try to write a post about it because it is such a good deal … and for a limited time IT’S BACK!

For those of you who are new here, it all started back in 2012 when they were offering a free $100 gift card to popular Canadian retailers for signing up for the MBNA Smart Cash MasterCard. Then they did it again in April and May of 2014, first with the Smart Cash again and then with the Scotiabank Momentum Visa Infinite.

Each time I wondered if the deal would come back because it is such an amazing no-strings-attached deal:

  • You don’t pay an annual fee (at least in the first year).
  • You get the $100 gift card quickly (within the first couple of months).
  • You get any sign up bonuses the card offers on top of the gift card.
  • You are under no obligation to keep the card after the first year (cancel anytime).
  • You get to keep all of the bonuses, even if you decide to cancel.

So we’re basically talking free money here and credit cards that have great perks if you decide to keep them to boot! One of the offers this time actually gives you $300 in free stuff when you combine the $100 gift card with the $200 sign up bonus.

This Could Be Your Last Chance

Keep reading » about FREE $100 Gift Card Is BACK!

Get Paid To Take Online Surveys?

getpaidtotakeonlinesurveys.jpgMaking money online has always intrigued me and when I first took a stab at it, I tried all kinds of crazy things! I installed toolbars that were supposed to pay me to surf the web. I was selling my stuff on Ebay left and right. I even sought out rewards and survey companies that would reward me for sharing my opinion and shopping habits with them.

That was years ago when the internet was still young, undeveloped, and wild resulting in most of those attempts being a big fail. I’m not sure I ever got paid from the toolbar before that company went under. I sold a few things on Ebay, and still do sometimes, but eventually ran out of things to sell. I did earn a few bucks from surveys but I found it really hard to find surveys that I actually qualified for and that paid a decent amount of money or rewards for my time.

Since then, I’ve always wanted to explore the survey side of things again and maybe even write a how-to guide on getting the most out of them. This thought has sat dormant in the back of my mind for years…

My Frustration With Online Surveys

Back in the early 2000s I was signing up on all kinds of survey sites just Googling around. I tried companies like MyPoints, Global Opinion Panel, and Asking Canadians. It’s not that they were all bad but there were many frustrations:

  • It was very hard to find reputable companies that actually paid.
  • These companies were still very new and not many of them catered to Canadians.
  • Those I did find frequently had very few surveys to offer me. I could go weeks without getting a notification of a new survey.
  • When I did find a survey to participate in, I’d often be disqualified after the first few questions.
  • The software for taking the actual surveys was still in the dark ages - buggy and slow.
  • Rewards were inconsistent to earn clumsy to redeem.

A Better Way To Find Surveys

Keep reading » about Get Paid To Take Online Surveys?

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