Weekly rate report: Average card APR climbs to all-time record high of 17.07 percent + MORE Oct 11th

How to go about securing the best rate and plan for your credit card in Canada.
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Millionaire with a low credit score: Options for improving Oct 12th

If you have plenty of cash on hand to eliminate your bad debts, you should do it. But it still may not improve your credit score right away..... More »

November 22 Update: Earn 4,300+ AIR MILES for free, Qatar Airways increase Montreal flights and offers a cyber sale with bonus miles + MORE Nov 22nd

We updated our popular post entitled Travel Hacking 102 - Earn up to 4,300+ AIR MILES Rewards Miles for FREE with a potential value of over $1,300 in travel with all the new BMO AIR MILES card offers. It is really a good time to work this program! Find out more here!American Airlines is adding sum.... More »
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How not to pick the wrong credit card + MORE Oct 30th

A new study shows that most people are using the wrong piece of plastic for their spending. Here's how to avoid picking a card that's not the best fit for you..... More »

Credit card signature requirements getting dropped by retailers Dec 4th

No-signature retailers may be more common than signature retailers within the next year, according to a new study..... More »
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November 9 Update: Canadian North adding wireless IFE, Aeroplan Air Canada Getaway Bonus nixed for 2019, 10x Plum Points at Chapters Indigo + MORE Nov 10th

Canadian North will be adding wireless in-flight entertainment on select flights starting in January 2019 that are serviced with four of their 737s. If all goes to plan and the service is well received it will be expanded to all 16 of their aircraft. (Source Canadian North)This exciting new inf.... More »
October 10 Update: Fly WestJet lie flat business class for about $1,600 one way, BMO Rewards pay with points rate and more!Today has been all about WestJet and WestJet Rewards and we continue to talk about it a bit more here in our daily update. The tickets for the new Boeing 787 long haul flights are now available for purchase and fares from Calgary to London, Dublin and Paris start around C$360 each way for economy class, $1,000 for premium economy and $1,600 for lie flat business class. Look at those full fare business class fares though….. Also I couldn’t find any low business class fares to LGW in April and May – guess that’s based on what AC may be pricing their LHR flights for.Another topic we discussed way back in January was BMO offering a pay with points feature that was coming soon to BMO Rewards. We missed the launch of it, it may have been a long time ago but who knows as we just came across it now. Anyways the feature is available and is offered at 15,000 points for $50 credit. This translates to a cash back return of 0.67% to 1% for the BMO Rewards World Elite Mastercard as that card earns to 2 to 3 points per dollar spent…

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Want to take a family vacation instead of the traditional dinner at home this Thanksgiving? Here are five great destinations, and how you can save on travel costs with credit card rewards.

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October 10, 2018: The average credit card interest rate smashed another record this week, climbing to 17.07 percent – an all-time high.

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WestJet Rewards introduces a new top elite tier - Platinum As part of WestJet’s global strategy which included the unveiling of their 787 routes today, they have also announced a new elite tier in the WestJet Rewards program. The new tier is Platinum and it marks a new top tier level for the frequent flyer program.Here are the details of the new Platinum tier (along with the other tiers for comparison)To reach the new Platinum status level you will need to spend $8,000 (before taxes/fees) with WestJet during your 12 month qualification period which based on the day you joined WestJet Rewards. For example if you joined May 12, 2018 you would need to reach $8,000 in spending by May 12, 2019 to receive Platinum status for the remainder of your qualifying year and the entire next qualifying year.The key benefits of the new Platinum tier are:8% earn rate on WestJet flights. That’s a pretty big return that only gets bigger if you tie that in with the 2% earned on the WestJet World Elite Mastercard for a total return of 10%! Double the WestJet dollars on partner flights (Delta, Air France, KLM etc…

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Lesson learned: Once Christian started charging thousands of dollars on his cards each month for his online home repair business, his large credit utilization prevented him from getting a line of credit.

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