Free $150 Gift Card Offer

Rewards

Free Gift Card Offers (Up To $150 To Popular Stores)

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I've been touting free gift card offers on the site for a long time now: see here, here, and here.

Most of them have been for a free $100 gift card for Amazon.ca or other popular Canadian stores. These gift cards are usually in return for being accepted for an awesome credit card, which will earn 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 juicy sign-up bonus points 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. Keep reading » about Free Gift Card Offers (Up To $150 To Popular Stores)

Starwood Preferred Guest Program Review

 SPG and Marriott Rewards Combined Loyalty Program Review

With all the drama Aeroplan has been going through these past few months…

Many consumers are starting to rethink their travel rewards program.

Starwood Preferred Guest (SPG), which has recently been acquired by Marriott Rewards and is now part of a unified program, is an incredibly flexible travel rewards program that allows consumers to earn points to use on either their next hotel stay or a plethora of other attractive rewards.

In fact, it’s my all-time favourite travel rewards program that I once used to fly Maria and I to Paris for 10 days with most of the airfare and hotel expenses paid just with Starpoints (from before the SPG Marriott merge).

Read on to find out why it’s so good: Keep reading » about Starwood Preferred Guest Program Review

How To Maximize Starbucks Rewards

How to maximize Starbucks rewards

Starbucks seems like the last place you’d want to go to save money and I definitely wouldn’t suggest people take up a daily latte habit if they don’t want to drink all their money away!

However, the fact remains that Starbucks is an immensely popular spot and people flock there in droves – maybe not quite as much as Tim Hortons here in Canada, but Starbucks sure isn’t suffering either. Profit margins on coffee and beverages are INSANE, so it’s definitely a good business to be in.

It only gets really expensive once you start ordering the specialty drinks, which I do a few times a year as a nice treat... 

Sure, you can make them yourself if you want, but I like the convenience and experience of picking one up on the go. Keep reading » about How To Maximize Starbucks Rewards

My 5 Principles for Collecting 100 Air Miles Per Visit To Sobeys

My 5 Principles for Collecting 100 Air Miles Per Visit To Sobeys

Most people have a preferred loyalty program.

Whether it’s Aeroplan, Shoppers Optimum, Canadian Tire Money…the options are endless.

But the one loyalty program I’ve had the most success with is Air Miles.

I’m a teacher by trade, and one day, I was having a staff-room conversation about credit cards and loyalty points.

Air Miles came up and a fellow teacher said, "I never use Air Miles. I have the card, but I can’t get any miles to earn anything. You don’t get enough reward miles to make a difference."

I had to smile and tell her: "In the past three years, I have collected enough Air Miles to redeem a four-day trip to New York (flights and hotel included), an electric snowblower, a raised tomato planter, several nights at hotels in my local city, and a bunch of movie tickets."

The truth is: You can earn Air Miles quickly to get great dream and cash rewards. Keep reading » about My 5 Principles for Collecting 100 Air Miles Per Visit To Sobeys

Best Credit Cards in Canada 2018

Last updated: October 2, 2018

The best credit cards in Canada

What Canadian credit cards give the best best bang for our buck?

That’s what these rankings are all about.

These cards rose up to the top because they offer the very best in their respective category. If you’re looking for cash, travel, no fees, insurance, or even the best overall card – we’ve got you covered.

But, how do you decide which is best for you?

Only you can really answer that question. Here are some basic things to consider:

  • Keep your spending habits in mind. How much you spend and where you spend it does matter. The key is to never overspend for the sake of rewards.
  • Travel or cash rewards. Most cards can be broken down into one of these two camps. Travel cards usually give higher value rewards but lack the complete flexibility of cash.
  • Point value matters. If you go with a travel or points card, it’s pretty easy to see which cards earn more points. But, keep in mind that not all points have the same value. That’s why we show you an estimated real dollar value for the rewards you will earn.
  • More than just rewards. Credit cards have a lot of features, perks, and insurance coverage outside of rewards. Our top cards aren’t just there for the rewards. Don’t miss out on all their other great features too.

We tracked 160 credit cards in Canada, reviewed over 50 features of each card, calculated the dollar value of each card reward ‒ and let the numbers speak for itself.

Of course, the decision of whether the winner meets your needs is still yours...but you won't find a better starting point than this: Keep reading » about Best Credit Cards in Canada 2018

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

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

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

Keep reading » about Best No Fee Cash Back Credit Cards in Canada 2018

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

Last updated: September 6, 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

Keep reading » about Best Cash Back Credit Cards in Canada 2018

Best Travel Credit Cards in Canada 2018

Last updated: September 10, 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

Keep reading » about Best Travel Credit Cards in Canada 2018

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