Author: Matt

Matt has been an avid points collector since 1992 (an elementary school student), when his dad signed up for the new (at the time) Air Miles program. Since then, Matt took a keen interest in learning how the miles and points world works. He quickly found out that there is a lot of value in leveraging miles and points to fund his passion for travelling.

[REVIEW] Scotiabank Passport Visa Infinite Card

Scotiabank offers a very underrated travel credit card called the Scotiabank Passport Visa Infinite Card. Today, we are going to post a detailed review of some of the features of the cards and why I find it an underrated travel credit card.

Furthermore, there is a current promotion that expires in 5 days, so if you are looking to sign up for the card, now is as good a time as any!

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Current 10% and Above Cash Back for November 2021

This is the last month for the record high 15% cash back offer with Tangerine’s 2 cards: Tangerine Money-Back Credit Card and Tangerine World MasterCard. Now the 10% cash back offers with Scotiabank and BMO seem less significant, but they are also expiring this month as well. 

Keep in mind that we still have the Top Cash Back Credit Cards page, which includes permanent and temporary offers if you wish to see a more complete list of cards, not just cards that offer at least 10% cash back.

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[PROMOTION] Earn Bonus Aeroplan Points at Starbucks Airport Locations

Back in March of 2021, Starbucks and Air Canada’s frequent flyer program, Aeroplan announced its partnership.

They are currently offering an unlimited 70 Aeroplan bonus points opportunity for every $20 (before tax) spent at Canadian Starbucks airport locations. 

Keep in mind that there is also the 50% bonus Aeroplan points for every $1 spent using TD co-branded Aeroplan credit cards until February 14, 2022. 

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Top Credit Card Higher than Normal Sign Up Bonuses for November 2021

For this month’s list, most of the BMO promotions that expired last month were pushed to December of 2022. While the RBC and a couple of Scotiabank promotions are set to expire this month. 

Top Higher than Normal Sign Up Bonuses for November 2021

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Best Current First Year Fee Waived Cards for October 2021

For this month, some minor changes, including HSBC coming up with a new offer that runs until the end of January 2022. All of the BMO and Scotiabank offers have already been extended, so they will not be coming to an end as quickly as mentioned in last month’s list. That leaves only Laurentian and Brim cards expiring this month. Granted, Brim continues to extend their offer one month at a time. It has been going on for over a year now. 

Top 5 Miles and Points Tips

This post was inspired by the announcement from Hyatt about on and off-peak point redemption for free nights. More and more airline and hotel reward programs are moving towards dynamic reward pricing. Basically, during what is considered high-season, you will notice that it will cost more miles or points to redeem for a free flight or night. While, during low-season, the same hotel room or airline flight will cost less rewards. In some cases, you will also see standard pricing, which is neither high nor low. Conversely, it used to cost the same number of points for a free hotel room regardless of the day of the year.