Credit card debt poll: 56% of balance-carrying cardholders have had debt for at least a year + MORE Feb 21st

The “Big Five” Canadian banks offer credit cards and include Royal Bank of Canada, Toronto Dominion Bank (TD Canada Trust), Bank of Nova Scotia, Bank of Montreal and Canadian Imperial Bank of Commerce (CIBC). Did you know that there are many other options?
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While the BMO World Elite Mastercard provides up to $540 in tangible value, it provides intangible value as well + MORE Apr 26th

In our past series of posts for the BMO World Elite Mastercard we focused on the a dollar value that the card can provide to you when you apply and are approved for it. To recap, that dollar value is up to $540 in the first year of having the card, broken down as suchWelcome offer: Get 35,000 points.... More »
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July 8 Update: Travel Hacking 102 Update, Flair Air now flying Toronto to Calgary and Vancouver & more! Jul 8th

Last week we updated our Travel Hacking 101article and today we updated the Travel Hacking 102 article. This article shows how you can earn 3,800 or more AIR MILES Reward Miles for free. Read the article here Ultra low cost carrier Flair Airlines is now competing on some major Canadian routes .... More »

What is a Secured Credit Card and How Does It Work? + MORE Jun 29th

A good credit history is important for everyone. It’s a gateway to more borrowing options and the basis of a positive financial future. But what if you have no credit, or some unfortunate marks on your record make it hard to get a new card? That’s where a secured credit card may come in.... More »
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Do You Need to Insure a Car, Motorcycle, or RV That’s Sitting in Storage? + MORE Jul 11th

Everyone thinks about car insurance in terms of road liability. There are hefty fines for driving without insurance, and you should always have coverage in case of a collision. But what about those seasonal vehicles or classic cars you don’t drive? As it turns out, there’s good reason t.... More »

June 27 Update: AIR MILES system outage on Canada Day and World of Hyatt adds Alila Hotels to its portfolio + MORE Jun 28th

AIR MILES will be performing some system upgrades on Canada Day which means their website, the app, and AIR MILES cash redemptions will be unavailable. The planned downtime is from 11pm ET on June 30 to 11pm ET on July 1. During this time you will still be able to earn miles wi.... More »
February 20 Update: CIBC Aventura bonuses for Fiji Airways & Air Transat Flights, Aeroplan charging carrier fees on Air China awards and we launch our consulting page (finally)Some CIBC Aventura Bonus Offers to let you know about! Firstly, if you book a Fiji Airways flights via the CIBC Rewards Centre from North America to Fiji you’ll earn 5,000 bonus points. Yes they don’t fly from Canada however you can buy tickets direct from major Canadian cities and fly Air Canada to Los Angeles or San Fransisco to connect to Fiji Airways. You can credit these flights to your Alaska Airlines Mileage Plan account if you like! Bookings must be made by February 29. Find out more here.The second offer is for flights on Air Transat.You can earn 5x Aventura Points when you book Domestic Air Transat flights via the CIBC Rewards Centre. Bookings must be made by March 31. Find out more here.Special shout out to Anshul (Points Miles and Bling) for alerting us to this news. It appears that Aeroplan is now charging Carrier Surcharges (YQ) for award tickets on Air China to/from Canada. However for the time being those charges are not being levied for Air China flights to/from the U…

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875 Free Coast Rewards Points for joining + 875 Coast Rewards Points on your first stay - enough for one free nightHere is a rare bonus from Canada’s own Coast Hotels Coast Rewards. If you join the program by February 28th they will give you 875 points right off the bat. So everyone go out and join Coast Rewards now. Then complete one stay by April 30 and they’ll award you another 875 Coast Rewards points. In total you’ll now have 1,750 points (plus the base points you earn on the stay) which are enough for a free night award in a comfort room at any of their hotels including the Waimea Plantation Cottages in Hawaii! Or you could choose to have three room upgrades as those run only 500 points each.You can also choose to convert the points to Aeroplan or Alaska Airlines:Offer detailsEarn up to 1,750 Bonus Coast Rewards Points when you join the program and complete a stay. You will be awarded 875 points just for joining and 875 when you complete your first stay. Full details. Join by Feb 28 and complete your stays by Apr 30, 19

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A new poll from revealed 56 percent of credit card holders carrying balances have been doing so for more than a year. However, half of indebted card users say they aren’t particularly stressed out about it.

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February 20, 2019: The average credit card interest rate ticked up Wednesday to another record high, according to the Weekly Credit Card Rate Report.

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Americans have plenty of expenses they consider non-essential these days. And for millennials, those discretionary purchases are taking a big bite out of their budget.

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