September 28 Update: TD Air Canada promo code working properly now and a new 100,000 point welcome bonus for PC Mastercards + MORE Sep 29th

 The RBC Offers program has some new offers added since we last did this post and also extended a bunch of offers.Be sure to login to your RBC account right away to load these offers (if required) or get the promo codes if required. Personally I received these offers on the WestJet RBC World Elite Mastercard but I know most if not all should also available for RBC’s most popular card the RBC Avion Visa Infinite Card and most other RBC cards.The new offers are as follows:Petro-CanadaSpend at least $25 at Petro-Canada on fuel, car wash or convenience store purchases between September 21, 2021 and October 5, 2021 and you will earn 2,500 bonus Petro-Points when you pay with your linked RBC debit or credit card AurateGet $50 off your eligible purchase of $300 or more, by using the promotional code in this offer and pay using your eligible RBC credit card.AvedaGet a 10% statement credit up to a maximum of $15 at Aveda when you make a minimum purchase of $55 online at www.aveda…

 Last week American Express revealed some amazing new up front welcome bonus offers for their  Marriott Bonvoy American Express Card and/or the Marriott Bonvoy Business American Express card. Both cards will award 70,000 Marriott Bonvoy points each after meeting the minimum spend requirements in the first three months – no waiting to months 14-17 to get your full bonus nor needing to have specific category spending to get that 70K but there is icing on the cake with an additional spend bonus! On top of the 70K Amex are offering accelerated category earn rates to earn up to 15,000 more points which means you can top out either card at 85,000 bonus points with this current deal. The new welcome offers are as follows:  Marriott Bonvoy™ American Express® Card New Marriott Bonvoy™* American Express® Cardmembers earn 70,000 Welcome Bonus points after you charge $1,500 in net purchases to your Card in your first 3 months of Cardmembership• Plus, earn a total of 5 points for every $1 on eligible travel & gas purchases in Canada for your first 3 months of Cardmembership (up to 15,000 points)…

Bad credit and a bad credit history happen for a number of reasons: You lost a job, you forgot (or were unable) to pay your bills, you’re new to a country. We’ve been warned about what can happen because of bad credit—you won’t qualify for the best interest rates for mortgages or other types of loans, and, as a result, end up paying more to borrow; and, in some cases, you may not qualify for a mortgage at all. Don’t be discouraged. Even if your credit history and credit score aren’t the best right now, you can still qualify for a mortgage. If you have bad credit, your mortgage contract may come with more terms and more paperwork. But know that bad credit isn’t forever. And, for that matter, neither is a mortgage. 

Get the mortgage rate that works for you.Find the best rate for you in under 2 minutes at ratehub.ca. Let’s get started.I’m buying a homeI’m renewing/refinancingYou will be leaving MoneySense. Just close the tab to return.

Good vs. bad credit: What is a good credit score? 

Your credit score is calculated based on the length of your credit history, your payment history and the amount of debt that you’re carrying…

Here’s your Rewards Canada Daily update! Your daily dose (or near daily dose) of loyalty program, credit card and travel news, bonuses, deals and more. Several of our readers pointed out that the promo code Air Canada revealed last week as part of the TD Aeroplan card 10x points offer was not working. We ourselves could not get the code to work either so we reached out to Air Canada and they came back to us this morning that indeed there was an issue. That has been fixed and the promo code should work properl now! Learn more about this promotion here.Image via Air Canada—-There is a new 100,000 bonus PC Optimum point offer out for the PC Financial Mastercards! Unlike past offers that only lasted a few days this one is available until October 31. As with their past 100K offers the points are awarded on your first purhcase made at a participating store where President’s Choice products are sold (ie Loblaws, Shoppers Drug Mart etc.) Learn more about the offer here. Images via PC Financial— Have you voted for your favourite Credit Cards and Loyalty Programs yet? If not be sure to cast your vote in Canada’s Choice as there is only one week left to have your say for the best cards and programs in Canada! Click here to take part in Canada’s Choice — Posts since our last update:Finding huge value in the 70,000 point welcome bonuses on the Marriott Bonvoy credit cards   Last week American Express revealed some amazing new up front welcome bonus offers for their  Marriott Bonvoy American… Clash of the Credit Cards! Desjardins Cash Back World Elite®Mastercard® vs…