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Latest News
February 27 Update: Shangri-La Hotels extending Golden Circle Elite status due to Coronavirus, Lufthansa to fly Calgary-Frankfurt with their Eurowings subsidiary & 5x More Rewards Points for Coast Hotels stays Feb 28th
If you listened to the latest Rewards Canada Podcast episode you'll have heard us discussing hotel loyalty programs extending elite status for members in China or those who travel to China frequently. Shangri-La Hotels is the latest to do so and they are going beyond just residents of or frequent.... More »
Aeroplan and Esso to split as the latter joins forces with PC Optimum + MORE Mar 15th
Late on Monday night news came out that the relationship between Esso and Aeroplan was coming to end on May 31 (Thanks to Anshul at PointsMilesandBling for the heads up) Following that, yesterday morning further news came out that Esso was partnering with Loblaw's PC Optimum program. Of course for A.... More »
Using your credit card rewards to book a free cruise + MORE Mar 30th
Before shelling out hundreds of dollars for a cruise, check to see if your credit card rewards can help offset the cost.... More »
The financial mistakes people make before seeking debt help + MORE Jun 24th
“I wish I had reached out sooner.” It’s one of the most common things that credit counsellors hear from people struggling with debt.
Debt problems rarely appear overnight. They tend to develop gradually through a series of well-intentioned decisions made while trying to stay afl.... More »
May 10 Update: Amex Offers officially launches in Canada, Europcar sale and 14 new bonus offers + MORE May 10th
Amex Offers has officially launched in Canada. If you follow the U.S. credit card market at all you'll have known that for years now American Express cardmembers south of the border get exclusive offers that they can register their cards for - and many of the offers are really good! Great news i.... More »
Credit score differences: How they occur, why they matter
– creditcards.com
The credit files’ data may differ, it can contain errors and the formulas used on it vary
Rate survey: Average card rates jump to 15.07 percent
– creditcards.com
Dec. 30, 2015: Interest rates on new credit card offers rose to a near record high this week after Citi boosted rates on multiple cards, according to the CreditCards.com Weekly Credit Card Rate Report.
If you don’t have a budget, make writing one a resolution for the new year
– canadianbusiness.com
OTTAWA – If you don’t have a budget, then financial planners want you to add another thing to your list of new year’s resolutions.
Credit counsellor Pamela George says budgeting is important no matter what your income.
“I think it is even more important for a bigger salary to have a budget because you need to account for it and you need to understand that $200,000 can finish as fast as $12,000,” said George, who works for the Credit Counselling Society in Ottawa.
Start with your paycheque. You need to know how much you are bringing in each month. Then list your mandatory expenses that you can’t really change, such as rent or mortgage payments, utilities, car payments, insurance and debts.
George also includes savings and putting money aside for an emergency fund if you don’t already have one in the mandatory category.
“I take savings and put it under mandatory because it is mandatory that you save,” she said.
Then comes your discretionary spending for whatever you might have left over…
Credit counsellor Pamela George says budgeting is important no matter what your income.
“I think it is even more important for a bigger salary to have a budget because you need to account for it and you need to understand that $200,000 can finish as fast as $12,000,” said George, who works for the Credit Counselling Society in Ottawa.
Start with your paycheque. You need to know how much you are bringing in each month. Then list your mandatory expenses that you can’t really change, such as rent or mortgage payments, utilities, car payments, insurance and debts.
George also includes savings and putting money aside for an emergency fund if you don’t already have one in the mandatory category.
“I take savings and put it under mandatory because it is mandatory that you save,” she said.
Then comes your discretionary spending for whatever you might have left over…
Grab the TD Aeroplan Visa Infinite by January 4th for 20,000 Aeroplan Miles and first year free
– RewardsCanada.ca
It has been part of our top 5 credit card sign up offers for the past two months but the current offer for the TD Aeroplan Visa Infinite card will expire on January 4th. The new offer to be released on the 5th is pretty good but not as good as the current one so if you want the card and have not applied for it yet we would recommend you do so now! Offer DetailsEarn up to 20,000 Bonus Aeroplan Miles and a 100% rebate off your first year annual fee when you apply for and receive the TD Aeroplan Visa Infinite Card. Earn 15,000 miles when you complete your first purchase and an additional 5,000 miles when you keep your Account active and in good standing for 90 days. Full details Apply by Jan 4, 16TD Aeroplan Visa Infinite Card• Receive a Welcome Bonus of 15,000 Aeroplan Miles with your first Purchase• Get an additional 5,000 Aeroplan Bonus Miles when you keep your Account active and in good standing for 90 days! • 100% Fee Rebate (Primary Cardholder only) for the first year – that’s $120 in savings• Offer Valid until Jan…
Product return assistance: a disappearing perk
– creditcards.com
Credit card return assistance programs extend the window for refunds on products you’ve bought with the card. But they’re becoming more rare
