November 3 Update: American AAdvantage slashes earning on British Airways & Iberia, new credit card offers, bonuses and more! + MORE Nov 3rd

The start of the month means lots of news, bonuses, new credit card offers and more! News, Tips & TricksEven though we technically took yesterday and the weekend off we still posted about some new credit card sign up offers and the return, albeit smaller, of the RBC Rewards to British Airways transfer bonus. You can find all that news in the Posts since our last update section!If you credit British Airways or Iberia flights to American AAdvantage be prepared to earn less miles in 2016! As of February 1st there will be new AAdvantage mileage earning rates for flying on these two airlines and unless you are flying in Business Class, First Class or full fare premium economy you are going to earn less miles. The biggest hits are to the lower end of the economy class spectrum of course with Discount Economy going to 50% miles from 100% and Deep Discount dropping to 25% from 100%!! Find out more about the British Airways changes here and Iberia changes here. (Source One Mile at a Time)Starwood Preferred Guest has launched member’s only pricing (up to a 10% discount) for bookings made via Starwood…

Visa Inc said on Monday it would buy former subsidiary Visa Europe Ltd for up to $23.3 billion in a deal that will give the world’s largest payments network a chance to cut costs over the long term and raise fees in the second-biggest card market.

Not only has British Airways been devaluing their program this year (early on it was long haul flights and just last week it was short haul in North America) but we are seeing smaller transfer bonuses to the program! Over most of summer you could transfer Amex Membership Rewards Points to British Airways Executive Club with a 25% when in the past it was 50%. Same with the famous RBC Avion transfer bonus, it has always been 50% for as long as we have run this website (well the website is older than the offer but it sure seems that long!) and now the twice annual bonus has been cut to only 30%.This offer is for all of you RBC Avion cardholders (Infinite and Platinum) and runs from today to December 15th, which is the same length as the 50% offer earlier this year but roughly two weeks shorter than we normally see. Despite the BA devaluations, this transfers bonus is still a decent deal as  BA Avios are a great option for flights to Asia (via Cathay Pacific), short to medium haul within North America until February and even after that despite the increased redemption rate (short haul offer is great on Alaska Airlines, TAM or American Airlines see this post here) and even though huge surcharges are added to their UK/Europe redemptions they can still be an alright value because of this bonus transfer based on your spend with the credit card (see my post about Earn & Burn for an explanation)…

The first year free offer for the Scotia Momentum® VISA Infinite* Card ended on October 31st only to be replaced with an offer that is actually better (well buy $1!)The new sign up offer for the Scotia Momentum® VISA Infinite* Card is a $100 statement credit with $500 in purchases in first three months. So yes now you have to actually spend some money on the card but you’ll get the $100 credit which covers the $99 annual fee essentially making this card first year free again with a $1 bonus! This offer runs until Feb 28, 16 and can be accessed here.Card details4% on eligible gas station and grocery store purchases 2% on drug store purchases and recurring bills 1% cash back on all other eligible purchasesVISA Infinite Complimentary Concierge Service – available 24/7 Access to VISA Infinite Luxury Hotel Collection VISA Infinite Dining Series – Unique dining experiences in some of Canada’s top restaurants Special access to unique offers and experiences Rental car collision insurancePurchase security and extended warranty protection

A determined thief could intercept radio waves from a dual-interface credit card, but in practice it’s not worth the bother