Rewards

Free Coffee Rewards: A Review of Starbucks, McDonald’s McCafe and Tim Hortons Loyalty Programs

Free Coffee Rewards: A Review of Starbucks, McDonald’s McCafe and Tim Hortons Loyalty Programs

Getting free stuff can be a high for some of us, especially when it comes to food and drink.

Because who can resist getting a tall, skinny, non-fat mocha with extra whip – all for free?

And to get the most free coffee, let’s do a comparison of the top 3 food and drinks rewards in Canada:

Three different fast food reward programs...But which gives you the most cuppa?

The Skinny on Starbucks Rewards

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Best No Fee Cash Back Credit Cards in Canada 2018

Best no annual fee cash back credit cards in Canada

Can anyone who wants to save money resist free?

The billion dollar points and reward industry is built on free. So are billion dollar tech companies offering free premium services (hi Facebook)...

...And credit cards with decent rewards for a $0 annual fee are equally hard to resist.

For me, I tolerate the fees that come with premium cash back credit cards – because I pocket net positive rewards even after I take the fee out of the equation. (Not to mention the other perks I get as well.)

But, there are also times when it might be better to go with a no annual fee credit card, for example:

  • You mostly use debit or cash for purchases.
  • You spend less than $1,500 per month on your card and simple math shows that the cash back you would earn will NOT cover the fees you have to pay.
  • You worry if you would overspend to make up for having a card with an annual fee.
  • You're looking for a no fee Mastercard or Visa to pair with your premium Amex card (so you're covered in acceptance all around).
  • You just can't stand paying hefty fees.

If one of these is you, then the question becomes: which no fee card is best?

Best Cash Back Credit Cards With No Annual Fee

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Which Aeroplan Credit Card is REALLY Best?

The best Aeroplan credit cards

The ticking divorce between Air Canada and Aeroplan on June 2020 is two years away and Esso just announced that Aeroplan members can no longer collect miles from their 1,800+ gas stations effective May 31st.

Now the question we all have is:

Are Aeroplan credit cards still worth considering?

The good news is this coming change is sure to create increased competition as Aeroplan works hard to keep the loyalty of its members and Air Canada fights to take them away – competition does breed excellance, afterall.

Aeroplan has also stated a plan to allow redemption “with multiple airlines” past the dreaded date. Which means that you should be able to redeem your miles for flights on Air Canada past the deadline.

(However, it’s still best to try to redeem your miles before 2020 as the points required for flights after that date will likely rise.)

Sure, Aeroplan’s wings may have been clipped, but if their recent announcement of a new partnership with Amazon.ca is any indication ‒ then they’re not going down without a fight.

It’ll be interesting to see what other partners they gain in the next two years.

Aeroplan Credit Cards Compared and Ranked for 2018

Who has the best Aeroplan branded credit card? Is it TD, CIBC, or American Express?

We even include credit cards without the Aeroplan brand as long as you’re able to transfer the points you earn to Aeroplan miles.

15 different Aeroplan credit cards have been compared and ranked in the table below from best to worst.

Also, please note that the table scrolls horizontally by using the slider at the bottom. Keep reading » about Which Aeroplan Credit Card is REALLY Best?

Best Cash Back Credit Cards in Canada 2018

Best cash back credit cards in Canada

Not all cash back credit cards are created equal. On the high end, a cash back card could have you enjoying 2% return on all your spending ‒ and on the low end, some cards only offer 0.4% back.

Simple enough, right? But here’s where things get complicated...

If perks and insurance are something you enjoy or if you’re looking for a card that won’t hold your cash hostage for an entire year ‒ then there are more factors to take into account more than just the return on spending.

Not only that, some cards are riddled with hoops and frustrating tiers that take away the ease and simplicity of cash back cards.

The point? It pays to look at the details.

2018 Cash Back Credit Card Rankings

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Best Travel Credit Cards in Canada 2018

Best Travel Credit Cards in Canada 2018

The best travel credit cards in Canada are some of the most attractive credit cards you can get your hands on.

With lucrative rewards to jet-set worry-free across the globe, comprehensive travel insurance and premium rare perks ‒ it almost sounds too good to be true.

Sure, you could just go with any old card or with the first card that comes along…

But if you want to save money and use travel rewards to get you (and that special someone) on your next vacation faster? Then you’ll need to know the true value of these travel rewards in dollars.

The catch? Sifting through more than 100 travel credit cards in Canada ‒ each with 50+ features, complicated tiered rewards programs and lots of fine print ‒ is confusing at best, and impossibly tedious at worst.

Unless, you only need to look at one single number ‒ one simple score to know which card will give you the best overall value.

2018 Travel Credit Card Rankings

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Which AIR MILES Credit Card Is Best For 2018?

The best AIR MILES credit card

What if you want a rewards program that will allow you to redeem for more than just travel?

AIR MILES are still one of those most commonly collected and used rewards programs in Canada, and for good reason.

You have two main options for redemption:

  • As AIR MILES Cash Rewards (or Cash Miles) – which can be used as cash towards everyday shopping purchases at participating partners, or
  • As AIR MILES Dream Rewards (or Dream Miles) – which can be used to go on dreamy vacations, get exciting event tickets, score some great merchandise, or even to enter AIR MILES Dream Sweepstakes.

No matter what way you most like to redeem your rewards, if you are one of the 2 in every 3 Canadians who still choose to collect, you might as well choose a top AIR MILES credit card to help you earn and redeem that much faster.

Compare AIR MILES Credit Cards

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31 Money Apps, Products, and Tools You Should Be Using

31 money apps, products, and tools you should be using

There are so many tools, products, and apps out there that it’s hard to know which ones to use. There’s so much choice that it’s easy to pass by some great money saving apps and tools without a second look.

It’s even harder to find stuff that works well for Canadians – nearly everything is targeted at Americans because of their larger population.

Even though I’m a tech-savvy guy, I still don’t use as many money tools as I probably should to truly maximize my money.

Some of it is due to privacy concerns – I don’t want to link up directly to my bank, credit card, or investing accounts. But, most of it is that initial barrier to entry of learning something new when what I already do works well enough.

It really helps when someone vets and recommends useful tools first before giving them a try yourself, don’t you think?

So here is a collection of apps, financial tools, and products I either use myself or think are worth using based on the reviews and features they offer.

You can find even more money saving deals and tools that I use everyday on our deals and tools page.

Best Money Saving & Personal Finance Apps

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Free Gift Card Offers (Up To $100 To Popular Stores)

Free gift card offers (Up to $100 to popular stores)

I've been touting free gift card offers on this site for a long time now: see here, here, and here. Most of them have been a free $100 gift card to Amazon.ca or another popular Canadian store in return for applying for an awesome credit card that earns you even more free money in cash back or travel rewards.

These credit cards usually also come with no annual fee (at least for the first year) and sometimes a hefty points sign up bonus to boot. Then, after the first year, there is no obligation to continue with the card if you decide it isn't for you. It's really a fantastic deal and one I've taken advantage of several times myself.

Since this has become a pretty regular thing, I thought I should make a permanent page that lists legitimate free gift card offers that I am aware of and will continue to update at the beginning of every month.

Proof That It Works

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What Is An Aeroplan Mile REALLY Worth?

What is an Aeroplan mile really worth?

With the news breaking that Aeroplan will be replaced as Air Canada's loyalty program in 2020 - its future has become increasingly uncertain.

We know the program will continue on after 2020, your miles are 100% safe, and there will still be some options for redeeming on industry leading airlines, one of which could still be Air Canada. That is what has been promised.

What we don't know is how the reward choices, flight redemption options, and reward value will change after 2020...

Will it still remain a true airline rewards program?

Will they find a new airline partner?

OR ...

Will it become more of a flexible travel rewards program like what bank travel credit cards tend to offer?

Ultimately, what everyone wants to know is "what are my miles worth today?", "what will they be worth after 2020?", and "is Aeroplan still worth it?".

Here you'll find a concrete answer to the first question, my predictions on the second, and a discussion about the third.

So - what are Aeroplan miles worth today?

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

The Quick Answer: 2.5 Cents

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Best Credit Cards in Canada 2017

The best credit cards in Canada

Can there really be one single BEST credit card?

Most people would say "no".

I agree, there is no one size fits all ... but, there is a one size fits MOST.

I've been honing my credit card comparison system that tracks and ranks credit cards by 50+ features for nearly 7 years now. I'm not just comparing points or rewards either. I'm figuring out the true value of each different reward point or mile and combining that with all the other features, insurance, and perks that each card offers so cards can be compared apples to apples. The result is one simple score out of 5.

All the research has been done and all the numbers have been crunched and updated. Finally, there can be one true champion that is best for most Canadians in 2017.

Of course, the decision of whether the winner meets your needs is all yours ... but you won't find a better starting point than this. (Not sure what to pick? Take this short quiz and find out.) Keep reading » about Best Credit Cards in Canada 2017

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