New Direction for Pointshogger
If you have not noticed already, over the past 12 months or so, Pointshogger has taken a different direction. So when we see comments like these:
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.
Pointshogger on CBC Talking about new PC Subscription Program
Loblaws is launching a fee-based subscription program for either $9.99 a month or $99 a year, which is suppose to give you more perks with the PC Plus program. I was asked to speak about this matter on CBC’s On the Money, which is now available online to watch.
I will also write down what was discussed and add a few nuggets that I did not have time to speak about.
Comparing American Express EveryDay Preferred (USA) and Cobalt (Canada) Cards
There was a lot of excitement when the Canadian American Express Cobalt Card was released back in September 2017. I think that I am long overdue to write a post. However, both PointsNerd and Canadian Kilometers already wrote some very comprehensive posts regarding the features of the credit card.
What I am going to do is continue a theme that I started in 2017, which is to compare it to the closet US version of the card, the American Express EveryDay Preferred Credit Card.
As usual, let’s start with the features of both credit cards to get the ball rolling. Note that both cards allow you to earn American Express Membership Reward points.
MBNA Smart Cash Adds Annual Fee
The popular MBNA Smart Cash has added an annual fee. It may still say MasterCard on the MBNA website, but most people should have been converted to a Visa by now.
This is an unfortunate turn of events and it will probably discourage new applicants from signing up. As a result, I will also be taking this card off my top cash back cards list.
As for existing cardholders, if you did not receive a letter in the mail stating that an annual fee is being implemented, then you should be grandfathered.
[DISCONTINUED] Capital One Aspire Travel World Elite MasterCard
The last time we had a brutal year on credit card discontinuations was in 2014. I guess at some point, we were due for another one this year. It saddens me today to write about the Capital One Aspire Travel World Elite MasterCard has been discontinued, especially since I am a cardholder myself.
Accordingly to my contacts at Capital One, they provided me with the following:
As a result of changing market conditions, we will no longer be offering the Aspire Travel World Elite MasterCard to new customers. The evolving interchange environment has made this product unsustainable. There is no impact to existing customers at this time.
30% Transfer Bonus from RBC Rewards to British Airways Executive Club
Not quite the 50% that I was hoping for, but still glad to see some transfer bonus still alive. RBC Rewards is currently offering a 30% transfer bonus to British Airways Executive Club.
This offer, which runs between November 15, 2017 to December 31, 2017, is only valid to RBC Avion cardholders, not just any RBC Rewards credit card. Valid credit cards are as follow
Bank of Montreal (BMO) | Canadian Imperial Bank of Commerce (CIBC) | Meridian | Royal Bank of Canada (RBC) | Scotiabank | Toronto Dominion (TD)
Top Cash Back Credit Card Offers for November 2017
We are back with another round of top cash back credit card offers.
Keep in mind that we also have a Top Cash Back Credit Cards page. The difference is that the main page focuses on any (permanent or temporary offers), which this post focuses on temporary offers only.
Note that we also have two other types of recent monthly lists going on:
Best Current First Year Fee Waived Cards
Top Higher than Normal Sigh Up Bonus Offers
Updated Review of Carrot Rewards
It has been a few months since I started using Carrot Rewards, as there seems to be a demand for me to update my experience. I am not going to repeat what I already shared in my last post, but I will provide an update since.
Reward Option
Initially, I started off with collecting Aeroplan miles, but later decide to switch to Scene points. I thought it would be more useful to collect points for date night with my wife. I have my wife earning Aeroplan instead, to stay diversified.
Remembrance Day
I am more than happy to continue our annual Remembrance Day tradition post, which lists out all the discounts that military personal and their families can qualify for.
Please remember check the most recent annual post to stay updated, as the benefits continually change without notice.
PC Plus and Shoppers Optimum Takes a Step Towards Full Integration
PC Plus and Shoppers Optimum have taken the next step towards full integration of their loyalty program. Below are a few highlights to keep in mind, as we await more details of this merger.