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churningcanada
Putting together a list of Churning and award travel resources in Canada - please feel free to share additions to the list. ## Blogs (English) * **FrugalFlyer:** [https://frugalflyer.ca](https://frugalflyer.ca) * **Distant Points:** [https://www.distantpoints.com/](https://www.distantpoints.com/) * **Prince of Travel:** [https://princeoftravel.com](https://princeoftravel.com) * **Points Miles and Bling:** [http://pointsmilesandbling.com](http://pointsmilesandbling.com) * **RewardsCanada:** [https://rewardscanada.ca](https://rewardscanada.ca) ## Blogs (French) * **Milesopedia:** [https://milesopedia.com](https://milesopedia.com) ## Blogs (Other) * **PEKFlyer (Chinese):** [https://pekflyer.com](https://pekflyer.com) * **Trip Wine Go (Chinese):** [https://tripwinego.com/](https://tripwinego.com/) ## Forums * **FlyerTalk**: [Aeroplan](https://www.flyertalk.com/forum/air-canada-aeroplan-375/), [WestJet](https://www.flyertalk.com/forum/westjet-westjet-rewards-606/) ## Guides * **Complex Aeroplan Tickets**: [FlyerTalk](https://www.flyertalk.com/forum/air-canada-aeroplan/2044708-complex-multi-city-points-bookings-stopovers-adding-segments-aeroplan-2-0-a.html?ispreloading=1), [Prince of Travel](https://princeoftravel.com/guides/how-to-book-complex-trips-with-aeroplan/), [TPG](https://thepointsguy.com/guide/aeroplan-routing-stopover-rules/)
Welcome! This is one of the communities I miss but I haven't had much luck getting it started here yet. If anyone has any suggestions or wants to help out, let me know!
Hello everyone! I figured a daily thread is too much for our small community, but since people are subscribing let’s get this started!
Note that this is sourced from https://old.reddit.com/r/churningcanada/comments/tujfse/best_current_credit_card_offers_in_canada_updated/ and this copy may be out of date. [2023-07-10] Hey churners ! Here is a list of the top cards I think are worth considering. This list is based on current offers based on sign-up bonuses and travel perks. This is of course subjective and no card is one-size-fits-all. Important : offers may change at anytime so make sure to always read the terms before applying. Top tier cards currently : ========================== - Amex Biz Platinum : $499 ; 100K MR; $10K - Amex Biz Gold : $199, 75K MR, $5K - Amex Platinum : $699 ; up to 90K MR; $7,500 - Amex Biz Edge : $99 ; up to 66K MR ; $5K - Amex Cobalt : $13/month ; 32,500pts, $500/mo - AMEX Gold pers : $250 ; up to 75Kpts ; $3,000 - AMEX Marriott pers : $120 ; 75Kpts ; up to $3K - AMEX Marriott Biz : $150 ; 85Kpts ; $5K - AMEX Aeroplan Reserve : $599 ; up to 95Kpts ; $12K - AMEX Aeroplan : $120 ; up to 55Kpts ; $4,500 - BMO Eclipse Visa Inf : FYF ; 40Kpts; $3K - BMO WE AirMiles : FYF ; 3,000 AM ; $3K - CIBC AVENTURA Visa Inf : FYF ; 40Kpts ; $3K - CIBC Aeroplan Visa Inf : FYF ; 30Kpts ; $4K - HSBC WE MC : FYF ; 80Kpts ; $6K - MBNA REWARDS WE MC : $120 ; 30Kpts ; $1K - NBC WE MC: FYF ; 30Kpts, $3K - RBC Avion Visa Inf : $120; 35Kpts, $0 - Scotia Momentum Visa Inf: FYF ; $200 ; $2K - Scotia Passport Visa Inf: $150 ; 25Kpts; $1K - TD Aeroplan Visa Inf : $139 ; 50Kpts; $5K - TD Biz Aeroplan : FYF ; 30Kpts ; $5K - TD FCT Visa Inf : FYF ; 100Kpts ; $5K - TD FCT Visa Platinum : FYF ; 50Kpts ; $1K Cards worth considering in specific situations: - CIBC Dividend Visa Inf : FYF ; 10% up to $2K - RBC Avion Visa Platinum : $120; 55Kpts, $5K - RBC British Airways Visa Inf : $165 ; 50Kpts ; $6K - RBC WestJet WE : $119 ; $250 WJ$, $1 - Scotia Amex Gold: $120; up to 40Kpts ; $1K or $7,500 ; no fx - Tangerine MC : no fee ; $100 + $125 cashback; $1K - TD Aeroplan Platinum : FYF ; 20K miles ; $1K - TD Aeroplan Visa Privilege : $599 ; up to 105Kpts; $12K - TD CashBack Visa Inf : FYF ; 10% on $2K spend DETAILS Amex personal platinum (awesome travel card - get it if you can meet MSR and are travelling) - $699 AF - $200 annual travel credit - 80,000 MR after spending $7,500 (or 90K MR via referral) - Earn 3MR per dollar spent on dining and 2MR/$ on travel - Gives gold status at Marriott and Hilton - Amex FHR - Benefits at YYZ - Priority Pass with unlimited entries - Sign-up : use a referral (90k bonus) or via GCR for $150 cash back (80Kpts) Amex Personal gold (good bonus) - $250 AF - $100 annual travel credit - 45K MR after spending $3K via referral - Extra 10K MR after making any purchase in months 14-17 - OR 60Kpts after spending $3K + 4x pts up to 15Kpts on travel via [Perkopolis](https://www.americanexpress.com/ca/en/credit-cards/gold-rewards-card/?ieep=04MC4939&PID=15-15353843-8893786-&cjevent=a92138b3530c11ed80aeacab0a82b836) - 2x on travel, gas, grocery and drugstore - 4 passes for Plaza Premium lounges - Sign-up : via Perkopolis or use a referral for 45Kpts or via GCR for $120 cash back and 40Kpts bonus Amex Biz gold - $199 AF - 70K MR after spending $5K public offer (or via GCR) - or 75K MR after spending $5K public via referral - Sign-up : use a referral or via GCR for $125 cashback Amex Biz Edge - $99 AF - 45K MR after spending $5K - or 55K MR via referral after spending $5K - promo 10x on office supplies & electronics, rides & gas, eats & drinks up to 10Kpts - 1K MR per month after spending $3K (on-going) - 3x on office supplies, electronics, rides & gas and eats & drinks - Sign-up via referral (for 55Kpts bonus + 10K) Amex Biz Platinum (highest bonus in Canada) - $499 AF - 100K MR after spending $10K via referral - 90K MR after spending $10K public offer - Gives 20K MR per referral - Gives gold status at Marriott - Priority Pass with unlimited entries - 1.25x else - Sign-up via a referral for 90Kpts bonus or via GCR for $150 cash back (80Kpts) Amex Cobalt (best keeper card for 5x MR) - $13/month AF - 2,500 MR bonus each month (statement) you spend $500 - Gives 5 MR per dollar on food (grocery, restaurant, bars) - Gives 2 MR/$ on travel, transport and gas - Sign-up via GCR for $100 cashback or via a referral Amex Marriott personal (good bonus and good keeper card for annual FNA) - $120 AF - 65K Marriott pts after spending $3K (or 70K via referral) - 10Kpts on month 14-17 - 5x at Marriott and 2x else - Anniversary free night (up to 35Kpts) starting year 2 - 10Kpts when giving a referral - sign up via referral for extra 5Kpts or GCR for extra $60 Amex Marriott Biz - $150 AF - 75K Marriott pts after spending $5K (or 80Kpts via referral) - 10Kpts on month 14-17 - 5x at Marriott, 3x for travel, gas and dining and 2x else - Anniversary free night (up to 35Kpts) starting year 2 - 10Kpts when giving a referral - Sign-up via referral for extra 5Kpts or via GCR for extra $75 Amex Aeroplan Reserve - $599 - 45Kpts (50Kpts via referral) after spending $6K in first 3 months - 7,5Kpts AP per months when spending $2K (first 6 months) - 25Kpts months 14-17 - 3x AC and 2x hotels and car rentals - 1.25x else - MLL lounge access - $100 Nexus credit, UberPass membership - Sign-up via referral or via GCR for $100 cashback Amex Aeroplan - $120 - 35Kpts (40Kpts via referral) after spending $3K in first 6 months - 2,500pts AP per months when spending $500 (first 6 months) - 2x AC, 1.5x on dining and food delivery - Free checked luggage - Sign-up via referral for 5Kpts extra or via GCR for $60 cashback BMO World Elite Air Miles MC - FYF - 3K AirMiles after spending $3K - 15% off flights when redeeming AirMiles BMO ASCEND WORLD ELITE (net bonus of $366 + 4 lounge passes) - FYF - 40Kpts (worth $266) after spending $3K - 2,500pts each month after spending $2K for months 4 to 15 - 5x (3.35%) on travel - 5x (3.35%) on restaurants, entertainment and recurring bills - Visa DragonPass + 4 passes - $100 cashback from CCG - [Promo link](https://creditcardgenius.ca/offers/bmo-ascend-world-elite-mastercard) via Creditcardgenius BMO ECLIPSE VISA INF (net bonus of $391) - FYF - 40Kpts (worth $266) after spending $3K - 2,500pts each month after spending $2K for months 4 to 15 - $50 annual lifestyle credit - 5x (3.35%) on grocery, restaurants, gas and transit - $125 cashback from CCG - [Promo link](https://creditcardgenius.ca/offers/bmo-ascend-world-elite-mastercard) via Creditcardgenius CIBC Aeroplan Visa Inf (weak offer vs recent offers but still 30K AP for free) - FYF - 10Kpts after first purchase - 20Kpts after spending $4K - 1.5x on grocery and gas - 15Kpts at anniversary if spending $10K - Free check bag and preferred pricing on flights CIBC AVENTURA VISA INF - FYF - 40Kpts when you spend $3K (worth $500) - Visa Dragonpass + 4 passes - $50 Nexus credit - [Sign-up promo link](https://www.cibc.com/en/special-offers/aventura-infinite-affiliates-top-publishers.html) CIBC Dividend Visa Inf - FYF - 10% off first $2K - 4% on gas and grocery - 2% on dining, transport and bills - Save $0.10/L (first 250L), 3x Journie pts, 2 premium free car wash - [Promo link](https://www.cibc.com/en/special-offers/journie-rewards-offer.html) HSBC WE MC (great card, good bonus, HSBC might be complicated to deal with) - FYF - 20Kpts after first spend - 10Kpts each month you spend $1K (first 6 monhts) - Annual $100 travel credit - Earns 6x on travel (worth 3%) - 4x on gas, grocery, and drugstore - No FX - Sign-up via GCR for $150 cashback - QUEBEC offer : $149 AF and 110Kpts after 6 months - great deal MBNA REWARDS WE MC (Very solid when points will be convertible to Alaska miles) - $120 AF - 30Kpts after spending $1K (20Kpts first purchase + 10Kpts after $1K) - Quebec : 20Kpts, no MSR - It was announced that MBNA points will be transferrable into Alaska Miles this fall - 5pts/$ on restaurant, grocery, digital media, membership, and household utility purchases - 10% bonus on the points earned last 12 months on birthday (up to 15Kpts) - Apply via GCR for $80 cashback NATIONAL BANK WE MC - FYF - 30Kpts after spending $5K (promo link) - 10Kpts after signing for payment insurances (need to keep it 3 months) - 30Kpts at anniversary if you spent $12K on the card during first year - $150 in travel credits - 5x on grocery and restaurant up to $2,500/mo then 2x - Sign up via CCG for offer and extra $150 cashback RBC AVION Visa Inf - $120 annual fees - 35Kpts at first purchase - worth $350 in travel, in travel gift card, up to $750 in airfare or can be transferred to Avios, Asia Miles or American AAdvantage RBC AVION Visa Plat - $120 annual fees - 35Kpts at approbation - worth $350 in travel, in travel gift card, up to $750 in airfare or can be transferred to Avios, Asia Miles or American AAdvantage RBC Bristish Airways Visa Inf - $165 AF - 50K Avios miles after spending $6K in 3 months - Note that miles tend to post after a few months only - Companion e-Voucher after spending $30K - 10Kpts on anniversary - Sign-up via GCR for extra $50 or via Frugal Flyer for extra $100 RBC WestJet WE MC - $119 AF - 250 WJ$ sat 1st purchase - Extra 200 WJ$ if you spend $5K - Annual companion voucher for $119+fee in North America ($399 for the rest of the world) - Free first luggage on WJ Scotia Amex gold Scene+ (good card) - FYF - 20Kpts sign-up bonus (worth $200) after spending $1K - 20Kpts bonus after spending $7,5K - No FX fees - 6x at Sobeys - 5x food and entertainment - 3x at transit, gas and streaming - Sign-up via GCR for extra $100 Scotia Passport Scene+ Visa Inf (good travel card) - $150 AF - no FX - 25Kpts after spending $1K - Visa Airport Companion Program + 6 passes - 3x at Sobeys - 2x food, entertainment and transit - Sign-up via GCR for extra $150 Scotia Momentum Visa Inf - FYF - 10% off $2K - 4% on grocery and recurring - 2% on gas and transit - cashback is paid once a year in November - Sign-up via GCR for extra $110 Tangerine MC WE - no fee - 10% (up to $100 cashback) on first $1K - earn 2% cashback on 3 categories - apply via GCR ($125) TD Aeroplan Visa Infinite - $139 AF - 10Kpts after first purchase - 40Kpts after spending $5K - 1.5x on grocery, gas and AC - Free checked bag on AC TD Aeroplan Visa Privilege - $599 - 20Kpts after first pruchase - 30Kpts per month you spend $3K for first 3 months - 55Kpts at anniversary if you spend $12K on the card during first year - 1.5x on grocery, gas, travel and dining - 1.25x else - Free check bag - MLL access TD Aeroplan Visa Platinum - FYF - 20K pts after spending $1,500 TD Biz Aeroplan - FYF - 30Kpts after spending $5K - 2,500pts per month you spend $5K TD First Class Travel Visa Inf ($500+ net bonus) - FYF - 100K pts after spending $5K in first 180 days - 10% more pts at anniversary up to 10Kpts - Annual $100 credit on Expedia4TD - Points are worth 0.5cpp at Expedia4TD or 0.4cpp Book on your own - 8x on TD Rewards, 6x on grocery and restaurants, 4x bills, 2x else - Sign-up via CCG or GCR for extra $100 cash back TD First Class Travel Visa Platinum - FYF - 50Kpts after spending $1K TD CashBack Visa Inf - FYF - 10% on first $2K spend - 3% on grocery and gas - Free Deluxe TD Auto Club Membership TD First Class Travel Visa Biz - FYF - 90K points after spending $5K Cheers :)
Hello everyone! I figured a daily thread is too much for our small community, but since people are subscribing let's get this started!