When are credit-card rewards worth paying an annual fee? + MORE Aug 1st

There are more credit card options in Canada than you can shake a stick at! Stay on top of the best rates and plans right here.
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November 21 Update: New hotel openings in Canada, Amazon Mastercard added to comparison chart & more confirmed Amex multipliers + MORE Nov 22nd

As you know, early in the year we have posts that highlight upcoming hotel openings for the year here in Canada. What we don't do so much is follow up when they actually open. Thanks to Canadian Lodging News we can let you know when some of these hotels actually open their doors. Here are some of.... More »
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August 21 Update: Amex Cobalt 5x points cap now in effect, bonus points for stays at the Delta Hotel Ottawa City Centre & more! Aug 22nd

Just a reminder that as of yesterday the annual $30,000 cap on 5x points for eats and drinks on the American Express Cobalt Card took effect. If you have spent that much or more up until yesterday there is no need to worry as existing cardholders get to start from $0 as of the 20th. Thereafter it .... More »

Earn 4x Aeroplan Miles for stays at the Chelsea Hotel Toronto + MORE Oct 24th

Offer details:Earn 4x Aeroplan Miles when you stay for 2 or more nights on weekends (Thu-Sun) at the Chelsea Hotel Toronto. Full details & online booking Until Mar 30, 20Stay two nights, earn 500 regular miles + 1500 bonus miles Stay three or more nights, earn 750 regular miles + 2250 bonus mile.... More »
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Earn Double Aeroplan Miles for IHG Hotel stays until the end of the year + MORE Sep 18th

The fall Aeroplan IHG Double Miles offer is back! This is the exact same offer we saw this time last year and is good a one to take advantage if you only have one stay planned or aren't someone who normally collects IHG Rewards Club points.  Remember that you no longer earn a flat rate of mi.... More »

Earn 500 Bonus Aeroplan Miles for Best Western stays this fall Oct 3rd

We see the Aeroplan Best Western bonus fall to 500 miles for the fall. This is 250 less miles than we saw over summer but is still better than nothing! With the 250 base miles you'll earn 750 miles per stay. You do have to be a Best Western Rewards member with your earning preferences set to Aerop.... More »
Scotiabank Gold American Express - Enhancements launch today along with an increased welcome bonusFor several months now we have discussed the changes coming to the Scotiabank Gold American Express card and are happy to report that today they went live! Not only are the enhancements now live on the card but to celebrate the changes Scotiabank has brought out a limited time increased welcome bonus on the card! Normally the card comes with a 15,000 point welcome bonus but as of today that has been boosted to 25,000 points when you spend $1,000 on the card within three months. On top of that, Scotia will reward you with another 5,000 points if you hit $10,000 in spending in your first year of having the card. That additional bonus tier should be relatively easy for most to hit.Now let’s recap the changes that have come to the card:Item Changing Until July 31, 19 From August 1, 2019 Annual Fee for primary cardholder $99 $120 Foreign Transaction Fee 2.5% 0% Grocery Dining Entertainment earn rate per dollar 4 points 5 points Gas 4 points 3 points Daily Transit 1 point 3 Points Select Streaming Services 1 point 3 points All other purchases 1 point 1 points Price Protection Yes No Travel Medical Insurance for those 65 years or older 10 days 3 days Trip Cancellation / Trip Interruption $2,500 per person $1,500 per personThe biggies here are the no foreign transaction fee now being offered on the card along with the increased earn rates for Grocery, Dining, Entertainment to 5 points per dollar in Canada (up to $50,000 annually) and 3 points per dollar for Transit and Streaming Services…

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For the last decade or so, Jim and Willina Collins have enjoyed a regular bonus by using their no-fee cash-back credit card to pay for many of their expenses, including holiday flight and accommodation bookings, gasoline, vehicle repairs, and insurance on their vehicles (the couple have a car and a truck for daily use, as well as a collection of vintage cars). Once a year, they enjoy a debit on their card statement, reflecting a small percentage of the total value of their purchases from the last 12 months.
The couple are extremely diligent with money. They pay off the $1,000 to $2,000 they put on their card each month in full, including holiday bookings, which are always paid off before they leave for the trip. Their philosophy, says Willina, is that if you’re going to put a purchase on your card, “you’ve got to have the bucks to pay it.”
Because they don’t allow a balance to accumulate, the debt-averse couple are able to take full advantage of the benefits of a cash-back reward card, without incurring interest charges…

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