Thursday, October 17, 2019

Reminder: Two weeks left to grab the Tangerine Money-Back Credit Card with 4% cash back


The limited time increased sign up bonus for the Tangerine Money-Back Credit Card will be come to an end in two weeks on  October 31. This limited time offer provides 4% cash back in two categories that you select (three categories if you choose to deposit the cash back into a Tangerine savings account) for three months. After that period the rate returns to the regular 2% in your selected categories and 0.5% on all other spending.

These are the spending categories you can choose from to earn the higher cash back rates:
Once, one of the best cash back cards out there the current version of the Tangerine Money-Back Credit Card is now somewhere in the middle of the pack for cash back cards but the earn of 4% (and then 2%) on certain categories might just make the best sense for some of you!!

The card details below show the latest offers on this card and may not be representative of the discussion above:

Wednesday, October 16, 2019

Turkish Airlines to launch Vancouver - Istanbul flights in 2020


As first reported by Aeronews  and now confirmed by Turkish Airlines, the airline is set to start flights between Vancouver and Istanbul as of mid-2020:


This is significant news as Turkish Airlines is part of Star Alliance and thus is an Air Canada Aeroplan partner airline. The airline is well known for the regard that award flights on their planes carry no surcharges like we see on Air Canada, Lufthansa and so on! Not only that, but Turkish Airlines is a huge airline that offers amazing connection opportunities via Istanbul to Europe, Asia, Africa and some of those great islands in the Indian Ocean. Add on top of that an excellent in flight product for both business and economy and you can see why this route will be important (and popular)

Related: 5 Tips to Avoid or Mitigate Fuel Surcharges on Award Tickets

Currently Turkish Airlines serves Toronto and Montreal so this will be a welcome addition to those living in Western Canada.

Aeronews states the flights will be 3x weekly to being with and will be operated with either a 787 Dreamliner or Airbus A350 which both have Turkish Airlines latest interiors.

Rewards Canada covers Turkish Airlines' own FFP called Miles&Smiles on a regular basis, primarily for bonus miles offers which you can find here.




Title Image via Turkish Airlines
HT One Mile at a Time

October 16 Update: Air Transat adding Montreal-San Diego flights and Scotia's new premium banking plans include annual fee waivers on their best credit cards


Air Transat will be adding a new route between Montreal and San Diego for the Summer 2020 season . The route will operate 3x weekly with a 737-800. As we don't know yet what the status of Air Transat will be with Air Canada your best bet for earning or redeeming points for these flights is with a proprietary credit card program. (Source Routesonline) Image via Air Transat


Recently Scotiabank introduced a couple of new banking plans, the Ultimate Package and the Preferred Package. We don't really discuss banking plans on Rewards Canada unless those plans include a benefit that waives fees on associated credit cards. Well guess what? These packages do just that! They waive the fees up to $139 on select Scotia cards. Now these banking plans have their own monthly fees but those can be waived if you maintain minimum monthly balances in them. The eligible cards for fee waivers are the Scotiabank Gold American Express, Scotiabank Passport™ Visa Infinite*, Scotia Momentum® Visa Infinite and Scotiabank Value® Visa* credit cards. The first free are all very good cards in their own right so to be able to get them for free by having one of these plans is icing on the cake! Learn more here!


Earlier today we brought you the details on the new American Express Business EdgeTM Card. This card has now been added to our American Express page and also to our Business Credit Card Comparison Chart.

Posts since our last update:

Travel Deals

Millennium Hotels - Plan your next getaway in your favourite European destination, and get up to 35% off your stay. Book by Oct 16 for stays until April 19, 20. Find out more here.

Remember to visit Rewards Canada's Travel Booking site to book travel directly with many of your favourite airlines, hotels and more!

Canadian Bonus Offers

Air Canada Aeroplan
- Earn up to 8,000 Bonus Aeroplan Miles and save 10% when you purchase a Maple Leaf Lounge membership. More... Until Oct 29, 19

Marriott Bonvoy
- 500 Bonus Bonvoy points per stay including any night Sunday-Thursday at the Four Points by Sheraton Cambridge Kitchener, Ontario. More... Until Oct 31, 19

Other Bonus Offers

Air China Phoenix Miles
- Triple Phoenix Miles for stays at all participating Accor Hotels Worldwide More... Until Dec 15, 19

Alaska Airlines Mileage Plan
- Double Mileage Plan Miles when you fly EL AL Israel Airlines nonstop between San Francisco and Tel Aviv. More... Register by Dec 15 for travel until Jun 30, 20

Marriott Bonvoy
- Earn 2,000 Bonus Bonvoy Points on your second stay at any participating Marriott Hotel Worldwide. Once complete you will unlock additional bonus offers for your stay(s) made after that second stay. More... Register by Dec 31 for stays between Oct 29 & Jan 14, 20
- Earn up to 3,000 Bonus Marriott Bonvoy Points for stays at 21 participating locations in 13 U.S. states. More... Until Dec 24, 19

Miles & More
- Double Miles & More Miles per night for stays at Romantik Hotels in Europe. More... Book by Oct 31 for stays until Jan 31, 20

Singapore Airlines KrisFlyer
- 30% KrisFlyer Miles redemption discount on selected destinations across the Singapore Airlines and SilkAir network. More... Book by Oct 31 for travel Nov 1 - 30, 19

Virgin Atlantic Flying Club
- Earn up to 3,000 Bonus Flying Club Miles when you book hotels via PointsHound. More... Book by Nov 30, 19


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Introducing the American Express Business EdgeTM Card - A Membership Rewards Select Small Business Card



Today, American Express introduced the American Express Business EdgeTM Card. It is a new card that falls into their Small Business Solution portfolio of cards. This is the first business card that calls the Membership Rewards Select program as its reward offering and the second card overall from American Express after the American Express Cobalt Card. The card is coming into the ring fighting with a strong welcome bonus and strong points earning potential all the while providing the benefits and redemption options we have become accustomed to from American Express.

This card is taking what American Express has done with other cards in regards to the welcome bonus and points earning. For the welcome bonus, not only do you get bonus points for getting the card and completing a minimum spend within three months - you will also get additional bonus points if you can spend a set amount on the card each month. All told the card can give you 42,000 Membership Rewards Select points in the first year of cardmembership.

Welcome Bonus
In your first year as a new Business EdgeTM Cardmember, you can earn 30,000 Membership Rewards® points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership, and an additional 1,000 points each month that you spend $3,000. This could add up to 42,000 points in a year. The 1,000 points each month is a continuous bonus that the card features and will be awarded to you for the life of the card as long as you hit that $3,000 in monthly spending.

Annual Fee
$99

Additional Cards: No annual fee

Earning
Earn 3 times the points for Card purchases on eligible business essentials including:

•    3X the points on Eats & Drinks
•    3X the points on Rides & Gas
•    3X the points on Office Supplies & Electronics

Up to a maximum of 75,000 points, and then earn 1X the points on all other purchases.

As mentioned above, you will rewarded with 1,000 bonus points each month you have $3,000 in spending on the card.

Redeeming
•    Get choice and flexibility by using points for purchases or redeeming them for a wide range of travel, dining, entertainment and retail rewards options.
•    Use points to book travel within Canada or anywhere in the world with American Express Travel.
•    Redeem points for statement credits to offset any eligible purchase charged to your Card.
•    Shop with Points at Amazon.ca.
•    Use points for a wide range of gift cards and merchandise.

Related: A closer look at the Membership Rewards Fixed Points Travel program

And as is seen with other Membership Rewards select cards, you can convert your points to other loyalty programs, namely hotel programs. Those are  Hilton Honors and Marriott Bonvoy. The conversion ratio from MR Select to Marriott is 1,000 points = 1,200 points which means the 3 points per dollar this card earns equates to 3.6 Marriott Bonvoy points for every dollar spent. Max out at the 75,000 points annually and you are looking at 90,000 Marriott Bonvoy points per year. That's a pretty decent Marriott points earn and considering we value Bonvoy points at no less than 1 cent a piece that's $900 in value right there!

Related:  Step by step guide to converting points from your American Express Card to Marriott Bonvoy 

Between the welcome bonus and the accelerated earn rates the American Express Business EdgeTM Card storms onto the market as one of the most rewarding small business cards in Canada. Many of the other cards in this space don't even come close to earning points (valuable points at that!) like this card does. Throw in those 42,000 points in the first year as well and you can see this card is a winner!





Disclaimers: American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. 
This post was not sponsored. The views and opinions expressed in this review are purely my own.

Aeroplan Availability Alert: Using miles on LOT Polish Airlines' new flights between San Francisco and Warsaw


Air Canada's Star Alliance partner LOT is well know for having decent availability on their flights for Aeroplan award tickets and are also known for have lower carrier surcharges, taxes and fees than many of Aeroplan's airline partners.

Last week they announced a new route between San Francisco and Warsaw that will be launching in August 2020. The flight will operate twice weekly with a Boeing 787-8 Dreamliner.

This new route seems ideal as an option for those in Western Canada as another way to get to Eastern Europe.

We checked availability for next August on the route and Aeroplan does show it available:


So why would you want to pick this routing? As we mentioned it all comes down to the fees and taxes that are tacked onto the flights. As you can see above the San Francisco-Warsaw flights has $264.10 in taxes and compare this to Vancouver to Warsaw with Air Canada operating the Transatlantic portion of the flight (in business class both ways, the economy portion is the Frankfurt-Warsaw leg):


The fees are nearly $1,000 more! You could easily buy flights to/and from SFO for a lot less than that! Most days are showing at least 2 business class seats available for this flight.

Just some food for thought if you are thinking of heading to Poland or beyond from Western Canada from next summer on! Remember as well LOT does fly from Toronto to Warsaw as well so that is always another option! However for more of August 2020 we couldn't find business class availability on the return portion.

You can check availability and/or book these flights online at aeroplan.com. You can also check availability using services like ExpertFlyer.com

One of the easiest ways to earn enough Aeroplan Miles for redemptions like those listed above is to grab a co-branded Aeroplan credit card. At the time of posting this article the TD Aeroplan Visa Infinite Card offers up to a 40,000 Aeroplan Mile welcome bonus with no annual fee in the first year. You could look at the American Express Gold Rewards card - it offers a 25,000 Membership Rewards points welcome bonus which can then be converted to Aeroplan almost instantaneously at a 1:1 rate. Also with the Gold Rewards card you don't have to wait until the end of your billing period to receive your welcome bonus after you've met the minimum spend. There are numerous other card options to earn Aeroplan Miles which you can find listed on our Aeroplan Bonus Miles page.

Images via LOT & Aeroplan
Source of route news: Routesonline

Great availability for Air France KLM Flying Blue Special Edition Promo Rewards - fly Toronto to Europe for 22,000 miles in Economy, 64,000 for business class



As we detailed yesterday in our 'Advance Notice' post, Air France KLM are running a 'Special Edition' Promo Rewards and these are now bookable.  We have found lots of availability from Toronto to many cities in Europe at the highly discounted rewards rates that are being offered.

You can book award tickets between Toronto and Europe for the following mileage amounts:
  • Economy - 11,000 miles one way (22,000 round trip)
  • Premium Economy - 25,000 miles one way (50,000 round trip)
  • Business - 32,000 miles one way (64,000 round trip)
These flights have to be booked by October 20 for travel between November and March. As we mentioned in our previous post those redemption rates above are amazing! Only 64,000 miles round trip in business class! Yes, you'll have to pay about 400-500EUR in taxes and fees but it is business class worth much more than that. Most times with Promo Rewards you have to redeem in the high 70,000 to 90,000 mile range and with no Promo Rewards you are way above 100,000 miles for these same flights.

Now if you don't have enough Flying Blue miles (or none at all) there is currently a way to gets these flights for cheap. Chances are if you convert points from Marriott Bonvoy as we normally recommend for Flying Blue reward tickets, those points won't show up in your account by the 20th so it would be a waste. The way to get these points right now is to buy them. Flying Blue is currently running a promotion where you can buy Flying Blue miles with a 75% bonus as long as you buy 4,000 miles or more. When you buy miles they post almost immediately into your account so you can have them for this promotion.

Here is the availability of Business Class (1 seat) between Toronto and Paris (as of 11:00PM MT Oct 15)



As you can see there a lot of flights open at the 32,000 mile one way mileage rate for business class! Return availability is almost as good, for example here is December, and don't be fooled by the two only Promo Reward dates, you'll notice most dates are 32,000 miles but are about 4 EUR more for taxes.



We didn't pick all the months on the return so as to keep this post from being too long!

Here is an example of a round trip booking:

It's the 64,000 miles as published and 487.01 EUR in taxes and fees.

Here are some other city options we looked at:


As we mentioned in our 'Advance Notice' post of this special mileage deal, it can make sense to buy the miles for flying in business class. For example, the above flight between Toronto and Paris costs C$3855:


However you can buy 66,500 miles with the current 75% bonus offer on buying Flying Blue Miles for about C$1520:

Add in the taxes and fees and you are looking at just over $2,200 to buy the miles and pay the fees on the ticket, thereby saving you $1,600!

Here is an Economy Class example which could also make sense to buy miles for:

You need to buy at the 14,000 miles option that with the bonus will give you 24,500 miles

The cost for those miles would be 385EUR or about C$560. Add in taxes and fees of 192.65 EUR or about C$280 for a total of $840. A savings of over $400 over the price to buy the ticket.

And if you are on the West Coast, Seattle is part of this offer so you could drive down from Vancouver or wherever to get in on this deal as well:


Click here to book the Special Edition Promo Rewards and Click here to take advantage of the Flying Blue Miles 75% bonus offer!

Tuesday, October 15, 2019

Save 10% and earn up to 8,000 Bonus Aeroplan Miles on Maple Leaf Lounge memberships


From now until October 29th is the time to buy an Air Canada Maple Leaf Lounge membership if it has been on your radar! You can purchase any one of their six membership options and receive 10% off the regular price plus bonus Aeroplan miles ranging from 1,000 to 8,000 depending on which membership you buy.

Here are the options and offers available:

Canada:

North America Plus:


Worldwide:


Related: Rewards Canada's Guide to Business Class Lounge Access

Overall this isn't a bad if your flying situation has you in spot where can't access lounges as you are flying in economy class or your elite status with Altitude (below Elite 50K) or other Star Alliance airlines doesn't grant you regular access to Maple Leaf lounges.

Visit Air Canada's Maple Leaf Lounge membership page for complete details


Advance notice of Air France KLM Flying Blue Special Edition Promo Rewards - fly Toronto to Europe for 22,000 miles in Economy, 64,000 for business class



At the start of every month we provide you with the details of Air France KLM's Flying Blue Promo Rewards. These are discounted award flight offers the program provides on a monthly basis. On occasion Flying Blue releases 'Special Edition' Promo Rewards and the latest version of these specials offers will be bookable as of 6pm ET tonight (give or take a little bit)  They are especially of interest to us Canadians this time round as Toronto is included and the deal to be had is great!

You will be able to book award tickets between Toronto and Europe for the following mileage amounts:
  • Economy - 11,000 miles one way (22,000 round trip)
  • Premium Economy - 25,000 miles one way (50,000 round trip)
  • Business - 32,000 miles one way (64,000 round trip)
These flights have to be booked between October 16 and October 20 for travel between November and March. Those redemption rates above are amazing! Only 64,000 miles round trip in business class! Yes, you'll have to pay about 400-500EUR in taxes and fees but it is business class worth much more than that. Most times with Promo Rewards you have to redeem in the high 70,000 to 90,000 mile range and with no Promo Rewards you are way above 100,000 miles for these same flights.

Now if you don't have enough Flying Blue miles (or none at all) there is currently a way to gets these flights for cheap. Chances are if you convert points from Marriott Bonvoy as we normally recommend, those points won't show up in your account by the 20th so it would be a waste. The way to get these points right now is to buy them. As we write this Flying Blue is running a promotion where you can buy Flying Blue miles with a 75% bonus as long as you buy 4,000 miles or more. When you buy miles they post almost immediately into your account so you could buy them today for use later tonight or by the 20th for this promotion. So is this a good value?


Let's take a look at what it would cost to buy miles for each of the above redemption options (we'll look at round trip values)

Economy Class
You need to buy at the 14,000 miles option that with the bonus will give you 24,500 miles
The cost for those miles would be 385EUR or about C$560. You would then have to pay taxes and fees on the award flight which more than likely would put you at over $800 or more. This isn't a great option seeing that you can buy round trip economy class tickets on Air France and KLM for $600-$700. Of course if there are specific dates you need to fly where economy class is expensive then it may make sense.

Premium Economy Class
You need to buy at the 30,000 miles option that with the bonus will give you 52,500 miles


The cost for those miles would be 825EUR or about C$1,200. You would then have to pay taxes and fees on the award flight which more than likely would put you at over $1,500 or more. This is a better option than economy class but still not great as many times you can get premium economy for well under $2,000

Business Class 
You need to buy at the 38,000 miles option that with the bonus will give you 66,500 miles

The cost for those miles would be 1,045EUR or about C$1,520. This is where the value is had with buying miles! Add in taxes and fees on the award ticket and you are looking at a total cost of about $2,100 to redeem for a business class flight with this promotion. We almost never see Air France KLM flights out of Toronto fall below $3,500 for business class so you can see this is a great option to get in on this deal!

Click here to take advantage of the Flying Blue Miles 75% bonus offer and to learn more or to book the Special Edition Promo Rewards click here!

And it's not just Toronto to look at! For those in the Vancouver area, Seattle is also on the list with Premium Economy for 25,000 miles one way and Business for 36,000 miles one way. 


We will follow up with another post when the Special Edition Promo Rewards go live with details on availability!



Marriott Bonvoy Unlock More: 2,000 bonus points on your 2nd stay with additional bonuses thereafter


Marriott released their next systemwide bonus points promotion today. Entitled Unlock More, the promotion will award you with 2,000 bonus Bonvoy Points when you complete your second stay (no bonus if you only have one stay) and then Marriott will email you two to three days after that second stay with additional bonus offers for your next stay(s). Of course when you stay at Marriott Hotels your best bet for paying for those stays is with the Marriott Bonvoy American Express Card since it earns 5 points per dollar spent at all Marriott Hotels worldwide:



Offer details:
Earn 2,000 Bonus Bonvoy Points on your second stay at any participating Marriott Hotel Worldwide. Once complete you will unlock additional bonus offers for your stay(s) made after that second stay. Additional offers will be appear in your account and also be emailed to you by Marriott. Full details, online registration & booking. (Registration is required) Register by Dec 31 for stays between Oct 29 & Jan 14, 20

Here are some more Marriott Bonvoy offers to check out:
Find all these and many more offers on our Marriott Bonvoy bonus points page

Tracking our spend on the American Express Cobalt Card to see how we fare with the $30K cap on 5x points


Not only does Rewards Canada rank the American Express Cobalt Card as the number one travel rewards credit card in Canada but it is also the number one card in our own wallets. Since it was introduced in late 2017 the card has been the one to match in terms of earning points. However since it is so good at earning points in the Eats & Drinks category American Express found themselves in a bit of a pickle.

Related: American Express Cobalt Card Resources on Rewards Canada


You see, by earning 5x points on Eat & Drinks it meant you could buy anything at a grocery store and earn 5x points on it. I even recommended going to the grocery store to buy gift cards for places you would shop at where you would only earn 1 point on this card or maybe 2 points on some other card.  The fact that you could do this didn't go unnoticed by some people in the miles and points community, namely manufactured spenders. Word is some people were putting through four figures on their card everyday at grocery stores buying prepaid cards that could be cashed out to pay down the balance on the card. Good for them, there are loopholes that can and will be taken advantage of whenever a good credit card or loyalty program earn or burn perk is available. It is the nature of this game and when it's out there, people will use it and then the programs or card issuers will do what they can to quell that loophole. That is exactly what American Express did earlier this year when they announced the 5x points category multiplier will be capped at $30,000 annually. Since August 20th that cap has been in effect. For the vast majority of Cobalt cardmembers this isn't a big deal at all - they fall under that amount and won't even have to worry about it. The manufactured spenders - well that's a different story, you know how they feel about it. But there is also a third category, those who legitimately spent a lot on food and drink. There are people who can easily spend more than $30,000 a year on food and drinks and they range from large families to affluent families to salespeople taking clients out to lunch or dinner on a daily basis and a whole slew of others.

Related: Are the American Express Cobalt Card category multipliers available globally?

So I decided to see where the Rewards Canada family will fall into, the first category of not even having to worry about hitting $30K or the third category of easily spending more than $30K per year. We don't do manufactured spending in our family as we only occasionally purchase gift cards at grocery stores, and by occasional I mean maybe 2-3 per year for ourselves and 3-4 for our kid's teachers and coaches. Ultimately, knowing our spending habits I know we'll fall into the third category of spending over $30K on the card in this category. Now that we are a little past one month of the cap coming into effect I looked into our spending for the 5x Eats & Drinks category to see how we were coming along. Well, I can tell you that from August 20 to September 20 we spent quite a bit. In fact we were north of $4,500. That puts us at $54,000 in that category for a 12 month period which means $24,000 of that spending would only earn 1 point per dollar instead of 5.

So what should we do, or you do, if you are in the same boat?

My plan is to utilize other cards once we are that $30,000 level on our main Cobalt card. The first card we will use once we hit that level will be our other Cobalt card! You see, my wife has her own Cobalt card account and I have mine. Her Cobalt card is the primary one in the family (my kids and I each have supplementary cards for it) but once we get to $30K on it we can start using my Cobalt Card. By having two separate Cobalt Cards we have effectively doubled our 5x points earning capability to $60,000 per year. Sure we have to pay two annual fees but the points earned are worth a heck of lot more than the fees paid. We also have the option of using The Platinum Card from American Express that are in our wallets for dining purchases since it earns 3x points on those purchases. I may actually go ahead with that last option for some of the spending since the 3x points on The Platinum Card equate to 3 Aeroplan Miles per dollar on dining, which in most cases is more than the Cobalt card if you convert Cobalt's Membership Rewards Select points to Marriott and then to Aeroplan.

Related: Membership Rewards Use Points for Purchases explained

I will continue to track the spending on a month to month basis to see where this will go over the course of the year. Was this first month just an anomaly being so high or will it continue at that rate? By tracking I'll be able to see when we get close to hitting $30K and start planning on pulling out the other cards for payments.

Do you have the American Express Cobalt card? Where do you sit with it and the new $30K cap? How are you doing after one month? Is it something you don't even have to worry about? Are you PO'd that your manufactured spending has been capped? Or are you just a big time spender and wondering what to do when you hit that $30K? Talk to us in the comments section below!