PC Optimum Points – Your Ticket To Free Groceries

PC Optimum Points – Your Ticket To Free Groceries

Shoppers Optimum used to be the best rewards program, of any type, in Canada.

And even since its merge with PC Plus to create PC Optimum in 2018, it's still hanging on to that title thanks to its convenience and value.

I've never encountered another program where you can earn rewards so quickly, of such good value, in a very short period of time, with little effort...all without needing to use a credit card.

Sound too good to be true? Well right now, it isn’t. And hopefully it stays this good forever.

So let's get to know the PC Optimum program a little better. Keep reading » about PC Optimum Points – Your Ticket To Free Groceries

How To Earn And Redeem More Air Miles

How To Earn And Redeem More Air Miles

The Air Miles rewards program is, in my opinion, one of the most overrated rewards programs in Canada.

But, due to its widespread use and popularity, it still deserves ample coverage on this site.

Even with its (many) pitfalls, I must admit that it does have the occasional silver lining and, because of that, I do participate in the program myself from time to time.

...It also must win the award for the rewards program with the most confusing name. I mean, seriously, who calls a retail rewards program 'Air Miles' anyway?

Silly name aside, it's indeed true that you can redeem your Air Miles for flights on one of several partner airlines, but this is far from the most common reward choice.

That's because the Air Miles program has one of the most comprehensive rewards catalogues of any program I've seen. Keep reading » about How To Earn And Redeem More Air Miles

5 Best Ways To Redeem Your Air Miles

5 Best Ways To Redeem Your Air Miles

If you’re an Air Miles collector, you know that the options for actually redeeming your rewards can get a bit complicated.

And sometimes, it’s just plain overwhelming.

You have options for flights, concerts, merchandise, cash...the list just goes on and on.

But which of these categories give you the best value per mile?

Don’t worry. In this article, I’ll show you the top 5 options for redeeming your Air Miles that get you the best CPM.

Here's a peek:

Keep reading » about 5 Best Ways To Redeem Your Air Miles>

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

Last updated:  December 22, 2018

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

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 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 also usually come with no annual fee (at least for the first year) and some juicy sign-up bonus points to boot.

Then, after the first year, there's 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 $100 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: December 6, 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

Last updated: November 30, 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