How to go about securing the best rate and plan for your credit card in Canada.
Latest News
Earn 100 Aeroplan Points for every $5 donated to the Canadian Red Cross (or have Air Canada match your donation) Sep 7th
The Canadian Red Cross’ annual Aeroplan promotion has returned for 2023. During the month of September if you donate to the Canadian Red Cross you can choose to earn Aeroplan points or have your donation matched by Air Canada. Earn 100 points for every $5 donated Aeroplan members who donate du.... More »
Self-Employed but Need a Loan? 7 Things You Need to Know + MORE Aug 10th
Being self-employed has its pros and cons: you may have a more flexible schedule, but you also have a lot more responsibility, especially when it comes to managing your own finances.
According to Statistics Canada, 2.76 million people were self-employed in 2016. And with the swelling ranks of the s.... More »
ENDS SOON: TD® Aeroplan® Visa Infinite* Card – Up to 50,000 Aeroplan points and no annual fee for the 1st year Dec 13th
The current increased welcome bonus offer on the TD® Aeroplan® Visa Infinite* Card that provides up to 50,000 Aeroplan Points and no annual fee in the first year will be ending soon. We are providing a somewhat earlier than usual reminder notice as the wording for the offer states “Account.... More »
Podcast Episode 98: Canada’s Choice 2022 Award Winners & Results Nov 20th
In this episode we discuss the results of the 2022 Canada’s Choice Awards where over 21,000 Canadians voted for their favourite credit cards and loyalty programs. Click Here to download the podcast (mp3) or download/subscribe via: Links relating to this episode’s topics: Canad.... More »
RWRDS Daily Update – May 9, 2023 May 9th
Canadian Tire Triangle Rewards and Petro-Canada Petro-Points announce new partnership, Earn up to 5x points with select Aeroplan eStore retailers and Porter Airlines to offer non-stop Ottawa to Vancouver flights. Check out today's points and miles updates here:
The post RWRDS Daily Update – May 9,.... More »
Tips for U.S. residents buying Canadian real estate
– moneysense.ca
Q: I need help buying Canadian real estate. I’m a Canadian citizen but live almost exclusively in Southern California. I own a home, free and clear, that’s worth almost USD$1.8 million. I’d like to buy a vacation property near Muskoka, Ont. that my son could use when he starts to attend university in southern Ontario. What do I need to know?
— Kerry, San Bernardino, Cali., USA
Romana King, senior editor and real estate specialist at MoneySense:
Over the last decade, as the U.S. housing sector struggled to regain momentum after the 2008 credit crisis, a large number of Canadians have crossed the border to buy a U.S. property. As a result, a ton has been written on the pros and cons of owning an American home. Now, with the impending U.S. election, there’s been chatter, lots of chatter, on whether or not the roles will be reversed: Americans flooding the Canadian housing market (looking for a safe retreat from potential Trump-mania).
If you’re an American or an expat Canadian with an eye for owning real estate in the Great White North, here’s what you need to know…
The case against credit card piggybacking
– creditcards.com
The odds of something going wrong are high and it’s better to let others build their own good credit habits
TD Aeroplan Visa Infinite Privilege bonus increased to up to 65,000 Aeroplan Miles
– RewardsCanada.ca
Back in September we revealed the details of the new sign up offer for the TD Aeroplan Visa Infinite Privilege card of up to 55,000 bonus miles. Great news is that if you haven’t grabbed the card yet we have new offer that launched on November 1st of up to 65,000 bonus Aeroplan Miles! Sure it has a $399 annual fee + $99 supplementary fee but if you get all 65,000 miles you’re looking at a minimum of $975 in value from those miles (1.5 cents each). Not to mention all the other features that come with the card like the lounge access passes and Air Canada flight benefits. Now may be time to upgrade your Aeroplan credit card to this one!Card details:TD Aeroplan Visa Infinite Privilege Earn up to 65,000 Aeroplan Miles with the TD Aeroplan Visa Infinite Privilege. – Welcome Bonus of 25,000 Aeroplan Miles when you make your first Purchase with your Card. – 25,000 Aeroplan Miles when you keep your Account open and active for 90 days after Account approval, – 5,000 Additional Aeroplan Miles when you add an Authorized User to your Account (Authorized User must call and activate Card by January 16, 2017) …November 4 Update: New RBC Rewards Visa+ Card and CIBC Aventura Visa Infinite now first year free for Primary & Supplementary cardholders!
– RewardsCanada.ca
News, Tips & Tricks Don’t forget to enter week 2 of the Rewards Canada 15th Anniversary contest! You could win a $200 American Express Gift Card! Enter here. The RBC Rewards Visa Gold has been discontinued by the bank. It has now been replaced by the RBC Rewards Visa+ card. We’ll have more details on this new card soon! The CIBC Aventura Visa Infinite Card is now offering First Year Free not only on the primary card fee but also up to 3 supplementary cards as well! The sign up bonus remains at 15,000 Aventura points.Whether or not you grab supplementary cards being able to grab 15,000 points for free with this card is yet another deal to know about! Find out more here. Posts since our last update: TD Aeroplan Visa Infinite Privilege bonus increased to up to 65,000 Aeroplan Miles Back in September we revealed the details of the new sign up offer for the TD Aeroplan Visa Infinite…Earn $25 Bonus WestJet dollars on their new Toronto – Sudbury route (Register & book by Nov 30) As we mentioned earlier this week WestJet announced new Encore service between Toronto and Sudbury…TD Canada Trust Hikes Prime Mortgage Rate – What’s Next?
– ratesupermarket.ca
It was a move that came as a shock to some but not was not a surprise to others. On November 1st, TD Canada Trust became the first of the big five banks in Canada to raise its prime mortgage rate from 2.7 per cent to 2.85 per cent. The news comes only two weeks after the implementation of brand-new federal mortgage rules, subjecting future homeowners to stricter measures in order to qualify for mortgage insurance, as well as a “stress test” if they are putting down less than 20 per cent on a home purchase.
In a release from TD, the bank says raising the rate is not a decision it takes lightly and they considered the full impact on customers before moving forward with the change. The release states that the bank will communicate directly with their customers whose mortgages are affected. Currently, the move only affects customers with variable rate products, not fixed-rate mortgages or lines of credit.
This Change Affects My Mortgage, so What are My Options?
If you’re affected by the rate hike or if you’re currently negotiating a mortgage with TD, this means the cost of a variable rate mortgage ultimately will increase over the long term…
