Retail price is for suckers The consumer experience was once a simple matter; you would see an item on an ad, go to the retailer, check the price and cash out at the counter. However, as online shopping became more prevalent in our everyday lives, money saving applications and rebate initiatives began to appear, incentivizing consumersContinue reading “Stop Overpaying for your Shit”
Tag Archives: Credit Card
What’s the deal with Air Miles and why your parents have been doing it wrong all along
And how to do it right… By not flying with Air Miles. It seems like almost every parent in the country owns an Air Miles collector card; Most oblige and present their blue and white collector cards whenever asked for at the gas station, liquor store and supermarket. However, after years and years they seemContinue reading “What’s the deal with Air Miles and why your parents have been doing it wrong all along”
Card Review: TD Aeroplan Visa Infinite Card
30,000 Aeroplan points, $1,000 spend. Enough said. Note: The promotional offer for this card ends June 02, 2019. Taking its place as one of the best credit card offerings in Canada right now is the TD Aeroplan Visa Infinite credit card. Frankly speaking, the current welcome bonus offers 30,000 Aeroplan miles upon spending $1,000 withinContinue reading “Card Review: TD Aeroplan Visa Infinite Card”
Card Review & Tactics: RBC Avion Visa Infinite + British Airways Avios
Flying business in Asia? Done. Note: The latest promotion for the RBC Avion Visa Infinite can be found in this link. The current promotion features 25,000 Avion points with a $0 MSR and First Year Free! RBC Avion Visa Infinite The RBC Avion Visa Infinite is the flagship travel card offered by RBC. Several times thisContinue reading “Card Review & Tactics: RBC Avion Visa Infinite + British Airways Avios”
Card Review: CIBC Aventura Gold Visa (Post October 15 Changes)
The new best low-income Visa card (Edited November 1st: There were changes to the Aventura cards which includes removal of the $100 travel credit. In exchange, an additional 5,000 Aventura points are offered with $1,000 in spending on the card within the first 3 months) With the new benefits on the CIBC Aventura cards, the AventuraContinue reading “Card Review: CIBC Aventura Gold Visa (Post October 15 Changes)”
Card Review: The Post Merger SPG American Express Cards (Personal / Business)
The SPG cards are back! Starting August 21st, users will once again be able to apply and earn the lucrative signup bonuses offered by the newly merged SPG/Marriott union. The program provides tremendous value for churners and everyday users alike due to the flexibility in award; Both flights and hotels may be redeemed through SPG/MarriottContinue reading “Card Review: The Post Merger SPG American Express Cards (Personal / Business)”
Facing the Downgrade: American Express Business Platinum Card
All good things must come to an end; This was the case for the American Express business Platinum card earlier in the year. At an annual fee of $399, this card had initially boasted a minimum spend bonus of 75,000 points after $5,000 spend in the first three months. On top of this bonus wasContinue reading “Facing the Downgrade: American Express Business Platinum Card”
Product Switching (and my experiences with RBC)
Good evening! This post is a summary of the recent experiences I’ve had with product switching several of my credit cards (RBC in particular). Product switching is the act of moving from one credit card to another through the same institution. Product switches are a valuable alternative when you want to take it easy onContinue reading “Product Switching (and my experiences with RBC)”
Churning Basics: Tackling the Myths of the Credit Card
Credit card churning is the proactive process of applying for new credit cards in order to meet different bonuses. In my journey to becoming a hardcore churner, many hours were spent on researching the best credit cards and methodologies in order to earn the most points. This process allows for working class people to accumulateContinue reading “Churning Basics: Tackling the Myths of the Credit Card”
Booking a $40,000 Flight: Japan Airlines & Cathay Pacific in First Class
The Japan Airlines First Class Experience Award flights can be a pain to comb through and redeem, but the rewards are well worth the hassle. After about 4 months of churning, I finally have enough points to redeem a Marriott hotel and miles package. After a quick call into Marriott’s travel center, I was ableContinue reading “Booking a $40,000 Flight: Japan Airlines & Cathay Pacific in First Class”
Points Smart 