Author Topic: Canadian Travel Hacking and CC Churning Thread  (Read 55916 times)

Lews Therin

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #300 on: September 08, 2019, 07:02:38 AM »
Updated 1st Post with current excellent deals.

If you can put very large amounts of money on CCs, @meghan88 I recommend the AMEX TRAIN. It's by far the best value for your money

https://www.reddit.com/r/churningcanada/comments/a7j2pl/revisiting_the_amex_train/

Ridiculous amount of spending required for those who can`t but everything on a CC / don't have buisness / travel (7k on the first card) but extremely valuable if you can do it.

meghan88

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #301 on: September 09, 2019, 07:27:18 AM »
Thanks!  We put all our spending on credit for the points and we always pay the bill in full each month, so we can do that to reach the $ value (about 25K/year?) but neither of us have businesses so I don't think we can get the business cards?

Lews Therin

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #302 on: September 09, 2019, 07:34:30 AM »
You yourself are a buisness.

you are in the buisness of selling yourself for profit. Making CC profit!

Nothing hurts to try :D

(You could even register as Meghan88 Inc, some places it costs only about 50$, if you do get refused by AMEX without registering as a buisness)

Make sure to get referred by someone before the first card.

Wrenchturner

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #303 on: September 09, 2019, 08:18:38 AM »
I have an AMEX Business Gold and I just put my name in as the company.  Helps to actually have some plausibility behind it as well, in case they ever review you.

Lews Therin

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #304 on: September 16, 2019, 07:49:07 AM »
There are currently multiple banks offering deals to open accounts, and receive 300$+, so it's worth taking a look. This can be a good use for an emergency fund, it'll return around 10% for just leaving in a bank account!

elaine amj

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #305 on: September 16, 2019, 09:10:21 PM »
Good point @Lews Therin. My DD just got $300 for signing up for a TD bank account. Next up is HSBC with a sweet $600 bonus (an extra $100 if we get a CC but that isn't tempting enough to me). I think both DH and I will also sign up for HSBC so all 3 of us will get $600 each :)

DH also is waiting for $200 from Simplii. It's pretty sweet.

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #306 on: September 16, 2019, 10:12:09 PM »
I attempted the $300 Scotiabank one recently but the branch randomly closed my account less than a month after opening it and it voided my eligibility for the promo. I had three tellers looking over shoulders trying to figure out what went on. There's definitely a point of diminishing returns chasing that one down!

Lews Therin

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #307 on: September 17, 2019, 02:31:07 AM »
Good point @Lews Therin. My DD just got $300 for signing up for a TD bank account. Next up is HSBC with a sweet $600 bonus (an extra $100 if we get a CC but that isn't tempting enough to me). I think both DH and I will also sign up for HSBC so all 3 of us will get $600 each :)

DH also is waiting for $200 from Simplii. It's pretty sweet.

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How do you get hsbc to waive fees?

elaine amj

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #308 on: September 17, 2019, 07:03:30 AM »


Good point @Lews Therin. My DD just got $300 for signing up for a TD bank account. Next up is HSBC with a sweet $600 bonus (an extra $100 if we get a CC but that isn't tempting enough to me). I think both DH and I will also sign up for HSBC so all 3 of us will get $600 each :)

DH also is waiting for $200 from Simplii. It's pretty sweet.

Sent from my VCE-AL00 using Tapatalk

How do you get hsbc to waive fees?

Pretty sure I read that if u have a min balance, fees will be waived. $5k? 1k? I need to read more lol. We always keep a chunk of money liquid so these accounts are the perfect places to park this.

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Lews Therin

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #309 on: September 17, 2019, 08:00:03 AM »
It's 25k for the top bonus, something like 5k+ for the 100$ less

FIRE_at_45

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #310 on: September 17, 2019, 10:32:31 AM »
That doesn't seem worth it to hold $25 K but looking forward to updates.  I've found that Scotia are pretty thorough in their acceptance of things.  It's still possible to get the rewards but just expect more work.  With the Momentum card I missed the fine print that I was not eligible for the 10% money back because I'd taken advantage of another offer already.  Live and learn!

elaine amj

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #311 on: September 17, 2019, 11:56:20 AM »
How is the Scotia Gold Amex for churning? Their current offer is quite tempting but I only cancelled my card less than a year ago.

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Lews Therin

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #312 on: September 17, 2019, 11:57:30 AM »
I did it through drop 150$ gc + promo bonus. Next best is thriugh rate hub.

Easy to do if you can spend 1k in 3 months.

Wrenchturner

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #313 on: September 18, 2019, 09:08:59 PM »
Halfway to my goal of a roundtrip business class trans-oceanic flight!  Just signed up for the Marriott Bonvoy to go with my Cobalt points for a hotel stay somewhere.

Trucking along...  It's a shame I wasn't familiar with this stuff before the companies started getting wise to the churn.

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #314 on: September 25, 2019, 01:01:13 PM »


Good point @Lews Therin. My DD just got $300 for signing up for a TD bank account. Next up is HSBC with a sweet $600 bonus (an extra $100 if we get a CC but that isn't tempting enough to me). I think both DH and I will also sign up for HSBC so all 3 of us will get $600 each :)

DH also is waiting for $200 from Simplii. It's pretty sweet.

Sent from my VCE-AL00 using Tapatalk

How do you get hsbc to waive fees?

Pretty sure I read that if u have a min balance, fees will be waived. $5k? 1k? I need to read more lol. We always keep a chunk of money liquid so these accounts are the perfect places to park this.

Sent from my VCE-AL00 using Tapatalk

Did anyone attempt the HSBC promotion and can report back? Considering sign up but have a ton of questions.
Looking at the t&c, you need to meet high balances criteria to even be able to open the premier account, in addition to the $25k for 6 months to receive the sign up bonus of $500.
Otherwise, the option is opening the hsbc advance account with 6 months of $5k balances for $300 sign up bonus (still decent return if all goes well with the bonus).
To get the extra $100 you need to add 3 months of recurring payroll (how are the FIRE folks getting around that one?).
Also, there's a vague language about the account needing to be "active" for that time frame - but I don't know how to quantify that or what it actually means. 

Lews Therin

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #315 on: September 25, 2019, 01:17:36 PM »
I have no income, so can'r do the T&cs of bank churning anymore. My partner can and does though.

Lews Therin

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #316 on: November 07, 2019, 07:45:27 AM »
LADIES AND GENTLEMEN, START YOUR ENGINES, Mark your calendars.

https://shoptheblock.ca/en/coming_soon

Coming soon! (14 November)

Hold off on buys for the classic partners, and get the lower 120$ worth of Air miles (Make sure it's in Cash miles before starting if you want to use it as cash)

-I'll be putting my plan for me & my S/o to get 240$ worth, and I'm sure I won't be the only one showing how to do it.

FIRE_at_45

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #317 on: November 07, 2019, 08:26:46 AM »
Hey @Lews Therin what's your favourite cc offer right now?  At your advice I have recently churned the TD Aeroplan, BMO World Elite, BMO Airmiles and also I also did the Scotiabank Momentum. 

I'm looking mostly for one that helps with travel...or so I thought...being a family I found getting 1 flight through the Elite card and Airmiles card to be a bit of a PITA.  Great if I want to take a trip solo but I'm not really doing that.  So, I have the Elite points sitting and also the Airmiles sitting.  If/when I cancel the Elite card I'll only have 90 days to use the points. 

https://www.reddit.com/r/churningcanada/comments/ccbsuz/best_current_credit_card_offers_in_canada_2019/

^And I do reference this link I just prefer asking you ;)

Lews Therin

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #318 on: November 07, 2019, 09:09:55 AM »
 RBC Avion Visa Infinite : FYF ; 20,000pts (+$80 from Drop) ; $1,000

Money is money, just grab a Gift card when they go on sale (every few weeks) and use the money you've saved with that GC to add to your vacation budget.

Also, start doing some bank account churning for the welcome bonuses. (300$ each)

FIRE_at_45

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #319 on: November 07, 2019, 10:10:17 AM »
RBC Avion Visa Infinite : FYF ; 20,000pts (+$80 from Drop) ; $1,000

Money is money, just grab a Gift card when they go on sale (every few weeks) and use the money you've saved with that GC to add to your vacation budget.

Also, start doing some bank account churning for the welcome bonuses. (300$ each)

I did see the Avion one, thanks!  That's on the top of the list because I particularly like the FYF ones.  And good point on the GCs.

I have yet to churn the bank accounts.  I've found that's typically another layer of hassle (i.e. moving your company direct deposit over, carrying $4000 or whatever) and I yet to get over that hump.

Lews Therin

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #320 on: November 07, 2019, 10:49:58 AM »
Think of the hourly return. That's a pretty high rate.

okits

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #321 on: November 07, 2019, 05:20:29 PM »
LADIES AND GENTLEMEN, START YOUR ENGINES, Mark your calendars.

https://shoptheblock.ca/en/coming_soon

Coming soon! (14 November)

Hold off on buys for the classic partners, and get the lower 120$ worth of Air miles (Make sure it's in Cash miles before starting if you want to use it as cash)

-I'll be putting my plan for me & my S/o to get 240$ worth, and I'm sure I won't be the only one showing how to do it.

I was just thinking it was about time for Shop the Block!  I signed DH up for an Air Miles account a while ago, so I'll be trying to get the 1200 AM for his account, too.

The Fake Cheap

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #322 on: November 08, 2019, 03:12:01 PM »
I will definitely keep my eye out for shop the block, and pay more attention to the dates for the best offers this year.

I'm currently also churning opening a Scotiabank account for $350.  I think this is by direct offer only, so probably not open to everyone.

I might have to go for that RBC Avion for my next cc churn, thanks Lews!

FIRE_at_45

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #323 on: November 08, 2019, 03:31:17 PM »
Think of the hourly return. That's a pretty high rate.

This is true and I've benefited from any work I've done thus far.

Wrenchturner

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #324 on: November 08, 2019, 03:52:43 PM »
I've just started the RBC Avion VI.  Pretty good deal!

The timing isn't perfect as I started churning too late to yield well this winter, but I should have a good pile of points for next winter!

Edit: credit card number six since may, my credit rating remains good at 750 with no car payments or mortgage on there.  I'll slow down in the new year though.
« Last Edit: November 08, 2019, 03:54:24 PM by Wrenchturner »

FIRE_at_45

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #325 on: November 08, 2019, 06:04:20 PM »
I've just started the RBC Avion VI.  Pretty good deal!

The timing isn't perfect as I started churning too late to yield well this winter, but I should have a good pile of points for next winter!

Edit: credit card number six since may, my credit rating remains good at 750 with no car payments or mortgage on there.  I'll slow down in the new year though.

Remind me how long they make you wait for the points.  I remember that you have to cash them before you cancel so there's that to consider.

Wrenchturner

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #326 on: November 08, 2019, 06:33:10 PM »
I've just started the RBC Avion VI.  Pretty good deal!

The timing isn't perfect as I started churning too late to yield well this winter, but I should have a good pile of points for next winter!

Edit: credit card number six since may, my credit rating remains good at 750 with no car payments or mortgage on there.  I'll slow down in the new year though.

Remind me how long they make you wait for the points.  I remember that you have to cash them before you cancel so there's that to consider.

I will remind you in 3-4 months!  Likely I will transfer them to Avios.  Thanks for the heads up.

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #327 on: November 13, 2019, 05:44:32 PM »
Seems like the RBC Avion has upped its offer.

I think before it was 15,000 points and the annual fee was not waived, so I decided to hold off on it.   

Now they are offering 20,000 points with the fee wavied with only a $1,000 total spend in the first 3 months. 


Lews Therin

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #328 on: November 14, 2019, 07:14:33 AM »
Shop the Block is open!
I can make it 5/7 right now with normal spending. By buying some booze and waiting for the normal spend 10$ get 5$ back at Metro, I should be able to hit 7/7

IGA
Jean Coutu
Shell
Proprio Direct (simply have a meeting)
Marché Tradition
-Cost money LCBO
-Hopefully it'll come out later Metro

for the Second account (S/O)
IGA
Jean Coutu
Shell
Marché Tradition
LCBO
-Metro Spend 95 get AM back?
7th unknown. Probably a 8$ construction adhesive at RONA.

So all in all, I'll fill up on groceries, toiletries and a bit of alcohol, and I'll hit the full shop the block and make about 100$ for each account easy.

Anyone found some easy ones? I've already done the no-brainer Samsung Pay and Hudson bay in previous iterations.

meghan88

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #329 on: November 14, 2019, 05:19:23 PM »
Any tips for a shop the block newbie living in Montreal?  I have a regular Air Miles points card; my current credit card does not get me Air Miles.  I spend very modest amounts at IGA and Jean Coutu.  No car, so no Shell.  I doubt I can make it work, but maybe there is hope for me?

okits

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #330 on: November 14, 2019, 05:58:32 PM »
Any tips for a shop the block newbie living in Montreal?  I have a regular Air Miles points card; my current credit card does not get me Air Miles.  I spend very modest amounts at IGA and Jean Coutu.  No car, so no Shell.  I doubt I can make it work, but maybe there is hope for me?

I'm not excited for this year's offers and am hoping some better ones come up later (like for redeeming cash miles). 

I hope the LCBO promotions in December are different/better, none of the products really interest me (unless someone wants to speak for the quality of the wine).

I can do the Shell (25L), Rexall (spend $40), and Sobeys UF (spend $50) pretty easily.  I can probably spend $100 through the airmilesshops portal, what with the mad consumerist frenzy of Christmas coming.  🤣 If better Metro and LCBO offers come up I can probably get myself to a Foodland or Sobeys to get the #7 offer.  Maybe buy something from The Children's Place.

I did the Hudson's Bay offer last year and there's no Jean Coutu in my city.  🤷🏻‍♀️

Shell has an additional offer in Ontario (spend $10 in store).  I guess that's an easy one if you're ever in Ontario!

Anyone know how easy it is to complete three surveys at Rewarding Your Opinions?

There's probably a Reddit thread by now with the optimal approach ( @Lews Therin ?)

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #331 on: November 14, 2019, 06:29:40 PM »
Any tips for a shop the block newbie living in Montreal?  I have a regular Air Miles points card; my current credit card does not get me Air Miles.  I spend very modest amounts at IGA and Jean Coutu.  No car, so no Shell.  I doubt I can make it work, but maybe there is hope for me?

Even if you can hit just 3 of the offers, that is an easy $30.   And the promotion has nothing to do with your credit card, just your air miles points card.  Just follow the coupon instructions and pay however you want (payment method isn't stipulated on any offers I have seen).  Also be sure to bring the coupon with you to scan or opt in on the coupon online first.  Lastly check the dates the offers are available, last year they were all over the map, but most this year, for me at least, are Nov 14-Dc 27.

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #332 on: November 14, 2019, 06:37:17 PM »
My shop the block plan:

The easy ones:

Sobey's - $50 spend
Co Op - $100 spend
Shell - 25 L of gas
Jean Coutou - $20 spend
Rewarding your Opinion - sign up and 3 surveys

This one is a bit of a stretch:
Kent $40
I could probably find a few things to buy that I don't need at the moment

And finally this one that is a bit of a pain:
BMO Mastercard - $350  spend I have this card but it's not my regular card, but I'll make an exception.


I'll do the same for the wife except probably swtich out the Kent offer for an Irving offer of redeeming AM in store.  I can't do this because I stupidly cashed in all my AM about 2 months ago, and only have about 30 cash miles currently. 



Lews Therin

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Re: Canadian Travel Hacking and CC Churning Thread
« Reply #333 on: November 14, 2019, 07:05:43 PM »
Any tips for a shop the block newbie living in Montreal?  I have a regular Air Miles points card; my current credit card does not get me Air Miles.  I spend very modest amounts at IGA and Jean Coutu.  No car, so no Shell.  I doubt I can make it work, but maybe there is hope for me?

Samsung pay and hudson bay are freebies (no cost)
Missfresh is another good use (comes out to 13$ for 8 meals)
Iga + iga express, jean coutu, you should be able to find a 7th easily enough!