All about Rewards Canada

Here's your RWRDS Canada update! Your near daily dose of loyalty program, credit card and travel news, bonuses, deals and more. No other resource in Canada provides you with so many ways to earn More Miles More Points More Rewards. Come be part of the RWRDS Canada community and make the most of your loyalty programs and credit card rewards!

Today’s update is brought to you by the enhanced offer for the TD® Aeroplan® Visa Infinite* Cardthat is only available via partners like RWRDS Canada!
Earn up to $1,500 in value†, including up to 50,000 Aeroplan points†, no Annual Fee for the first year† and additional travel benefits. Account must be approved by January 6, 2025.
Click here to apply for TD Aeroplan Visa Infinite Card (This offer is not available for residents of Quebec. For Quebec residents, please click here.)
† Terms and Conditions apply.

Today only - Get $30 in CT Money when you spend $150+ at Canadian Tire

Triangle Rewards members can earn $30 in bonus CT Money for spending $150 or more at Canadian Tire today (November 22 only) Click here to learn more about this offer.

Image via Canadian Tire

EQ Bank providing a 1% match on new TFSA, FHSA or RSP deposits

EQ Bank has launched a new promotion where they will match 1% of any new deposits or transfesr funds to an EQ Bank TFSA, FHSA or RSP. This offer is available for deposits made by February 28, 2025. EQ Bank will pay a cash bonus equivalent to 1% of the value the New Deposits (the “Match Bonus”) on a quarterly basis at a rate of .25% per Hold Period quarter.

Image via EQ Bank

Give A Mile 2024 Flight Hero Campaign: Let’s raise 50,000 points for flights of compassion!

November 19 tally: 13,959 points of 50,000 points

Give A Mile has launched their annual Flight Hero Holiday Campaign with a goal this year of being able raise enough points, miles and cash to provide 52 flights of compassion.

RWRDS Canada has volunteered to be a Flight Hero for the 2024 campaign and our goal is to raise 50,000 points between us and our subscribers, followers, readers, listeners and viewers!

RWRDS Canada will match up to 25,000 points in donations made by our community to reach the goal of 50,000 points! Our donation will be in the form of Air Canada Aeroplan points but will match the value of donations from any and all programs that are made during the campaign

Click here to learn more and to make a donation to Give A Mile

Cobalt Multipliers

Thanks to Rad:

Bagel Maguire Café - Quebec City Quebec 5x points
Sugar Daddy's Galerie Quebec - Quebec City Quebec 5x points

Thanks to FrancoL

Timbertrain Coffee Roasters (Outpost) - Port Moody British Columbia 5x points
Train Wreck Brewing - Port Moody British Columbia 5x points
C Market Coffee - Coquitlam British Columbia 5x points

Thank you to MCG, Johnny and others for the following submissions that were now inputted on our new submission spreadsheet

Pet Valu - Canada Wide 1x points
Covernotes Coffee House - Richmond Hill Ontario 5x points
True Loaf Bread Company - Ottawa Ontario 5x points
Vespa Wine Bar - Ottawa Ontario 5x points
Red Bird Cafe - Ottawa Ontario 1x points
Tartelette Pastry & Cafe - Ottawa Ontario 5x points
John's Family Diner - Ottawa Ontario 5x points
Thyme & Again - Ottawa Ontario 5x points
Lucky Moose Food Mart - Toronto Ontario 5x points
Firangi Indian Restaurant & Bar - Brampton Ontario 5x points
Bloom Cafe - Toronto Ontario 5x points
Sanuki Udon - Toronto Ontario 5x points
Hero Certified Burgers - Richmond Hill Ontario 5x points
Maki Mart - Markham Ontario 5x points
Tin Cup Sports Grill - Oakville Ontario 5x points
Yee's Hand Pulled Noodles - Toronto Ontario 5x points
Tanghulu Tanghulu - Toronto Ontario 5x points
Orca (Public Transit) - Seattle Washington 1x points
Tiny's Organic (Apple Cider Stall in Pike Place Market) - Seattle Washington 1x points

Updates to existing locations:

Austin

Thanks to Austin who let us know Nespresso online doesn’t qualify for the 5x points anymore. This is one vendor that seems to have gone from 1x points to 5x points back to 1x point

And MCG let us kno w that Marvelous by Fred in Toronto no longer accepts Amex .

The best Black Friday Cyber Monday | Holiday Deals for 2024 - presented by Scene+

Be sure to bookmark our Black Friday | Cyber Monday | Holiday Deals page and visit it frequently as new offers are now being added on a regular basis and during the height of Black Friday Cyber Monday the page is typically updated 6 to 8 times PER DAY! Click here to see the 2024 Black Friday | Cyber Monday | Holiday Deals page

Image via American Express

The RWRDS Canada Spotify Playlist

New songs (new releases and some classics) have been added to the RC Spotify playlist! Listen along to the songs I like to listen to while working on RWRDS Canada Click here to listen

Subscribe & join to learn more:

Want to learn more? Have a question? Join our Facebook group to ask the RWRDS Canada community!

Be sure to subscribe to the Rewards Canada News email newsletter so that you don't miss out on any loyalty program news and offers! You can subscribe to the newsletter here

Posts since our last update:

Canadian Bonus Offers

Air Canada Aeroplan
- Earn a minimum of 1,000 bonus Aeroplan points on all Air Canada flights booked during their Black Friday Worldwide Seat Sale. Book by Dec 1 for travel Dec 6, 24 - Jun 15, 25. More...
- Receive an 80% bonus when you buy 15,000 or more Air Canada Aeroplan points. Valid until Dec 11, 24. More...

Other Bonus Offers

British Airways Executive Club
- Earn 2x Avios when you fly on British Airways and/or Qatar Airways between the U.K. and select cities in the Middle East, Africa, Asia and Australia. Book by Dec 18 for travel Jan 20 - Jun 30, 25 More...

Copa Airlines ConnectMiles
- Earn 3x ConnectMiles when you book hotels via ConnectMiles Hotels. Book by Nov 30 for stays until Apr 30, 25. More...

ITA Airways Volare
- Earn Double Volare Points on ITA Airways flights from Italy to Dubai, Bangkok, Sao Paulo, Rio De Janeiro, Buenos Aires or Tokyo (or vice versa). Book by Nov 24, 24 for travel Dec 1, 24 - Feb 28, 25 More...

Deals:

Please check out our 2024 Black Friday | Cyber Monday | Holiday Deals page for all the latest deals!

Accor Hotels Save up to 30% at the five Novotel locations in Ontario and Quebec. Book by Mar 30 for stays until May 31, 25 Click here to book this offer

Enterprise Rent-A-Car: Save 10% Off Weekend Car Rentals in Canada. Book now for rentals until Dec 29, 24. Click here to book this offer.

Earn $500† when you become a new client and open a Simplii Financial™ No Fee Chequing Account by October 31st, 2024. (Add an eligible direct deposit of at least $100 a month for 3 straight months to receive the offer)

Hilton Hotels Stay at Waldorf Astoria Hotels & Resorts, LXR Hotels & Resorts, and Conrad Hotels & Resorts and receive a $150 on-property credit for each night you stay. Click here to book this offer.

Hertz: Save 20% off the base rate at participating locations in the United States & Canada. Valid on all car classes, excluding premium SUV’s, Teslas and Dream Cars Valid for rentals until Sep 30, 24. Click here to book this offer

Icelandair: Iceland Winter Wonderland Vacation package - flights, hotels, excursions from C$1,039. Book by Sep 26. Click here for more details & to book this offer.

Sign up for an EQ Bank Notice Savings Account and choose between 10 and 30-day notice periods to withdraw money to earn 4.50%* and 5.00%*, respectively.

Earn a special 6.25% interest rate on eligible deposits for 5 months with a Simplii Financial High Interest Savings Account. No matter how much is in your account, you won't pay monthly fees. Limits apply. Offer ends Oct 31, 2024

Earn a savings rate of up to 6.00% interest for a limited time with a Scotiabank MomentumPLUS Savings Account

Priority Pass: Special offer save 30% on Standard memberships, 20% on Standard Plus and 10% on Prestige. Click here to buy a membership

Voila: $20 off you first four grocery orders plus earn Scene+ points on eligible products or spend. Use the Scotiabank Gold American Express Card to earn 6x points on Voila purchases as well. Valid until Aug 31, 24. Click here for more details.

British Airways: Fly from Toronto to London from only $773 round trip economy class. Click here to book this offer.

Travelex Insurance https://www.tkqlhce.com/click-921118-15727423

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On this day...

On this day in 2009 we posted a Cathay Pacific Asia Miles bonus miles offer for flying on the long defunct Mexicana Airlines between Vancouver and Mexico City! Check it out here

This week in RWRDS

The next episode of This week in RWRDS will air later today! This is our new YouTube Live series where discuss the week’s happenings in the world of points, miles, credit cards and travel. We'll have some hints of what is coming in May in today's episode so be sure to tune in! Barring any unforseen circumstances this episode will air at 1:30pm MT / 3:30 ET. Be sure to subscribe to our channel so you can participate in the chat. Here's a direct link for today's video.

If you missed the live broadcast of This Week in RWRDS on Friday you can watch the video here. And then check out the next live broadcast this coming Friday. Link and time will be released on Wednesday. Be sure to subscribe to our channel so you can participate in the chat. and hit the notication bell to be notified when we go live!

This afternoon will see the next episode of This week in RWRDS! This is our new YouTube Live series where discuss the week’s happenings in the world of points, miles, credit cards and travel. Barring any unforseen circumstance this episode will air 1:30pm MT / 3:30 ET. Be sure to subscribe to our channel so you can participate in the chat. Here's a direct link to today's video.

Click here to check out our complete Cobalt Confirmed Multipliers list.

Click here to check out our complete Business Edge Confirmed Multipliers list.

Image via American Express

RBC OFFERS

Be sure to login to your RBC account right away to load these offers or get the promo codes if required. These offers have also been added to our official Guide to RBC Royal Bank ‘RBC Offers’

Personally I received these offers on the WestJet RBC World Elite Mastercard. Most if not all should also be available for RBC’s most popular card the RBC Avion Visa Infinite Card and other RBC cards.

AMEX OFFERS

Simply log in to your Amex account or go onto the Amex app to see if these offers have been sent to you and to register for them. You can find this and many more offers in our Guide to American Express Canada ‘Amex Offers’

Personally I received this offers on The Platinum Card from American Express but you may receive it on a different card. These are also available to holders of Scotiabank American Express Cards who simply need to register for the offer here.

Click here to check out our complete MBNA Rewards Confirmed Multipliers list.

Follow Rewards Canada:

Confirmed cobalt, multipliers list. Find out where in the world you can earn up to five times points with the best credit card in Canada.
Even if you can only put 50% of your eats and drinks spending on this card, you will be ahead then rather just putting 100% on another card

If you are researching this card on multiple sites and reading other reviews you'll see a lot of hype on this card's 5x points earning. And in the words of one of my favourites, Public Enemy. "Don't believe the hype!"

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Remember Rewards Canada is the #1 source for Canadians

All of us points and miles sites, credit card sites and even financial blogs will cover the same news when it comes out. And a lot of the articles we write will bear striking resemblance but sometimes that similarity seems to go beyond an author's own take on the news and heavily mimic our articles.

Example #1

For example here's an excerpt from my article this past Tuesday about the new Laurentian cards: "The card comes with an OK insurance benefits package .... Noticeably missing are flight delay, lost or stolen baggage and hotel/motel burglary insurance."

and another blog a few days after our post: "The insurance coverage on the card is OK .... Noticeably absent from the insurance inclusions is flight delay insurance, lost/stolen baggage insurance, and hotel/motel burglary insurance"

Example #2

I think you can tell who this other website referenced to write their review of the Cobalt Card

Rewards Canada:
The American Express Cobalt Card charges $12.99 per month for having it which equates to an annual fee of $155.88. That fee works out to be slightly higher than the $120 to $150 a year we see on competing cards but it is so worth it. You should also know that additional cards come at no cost so there is a savings there in adding authorized users versus many of the competitors.

The Other site:
The annual fee for the American Express CobaltÂ® Card is $155.88 ($12.99 monthly fee). This is higher than the average annual fees of other cards, which range from $120-$150 per year. However, the higher price is worth it. Additional cards also come at no extra charge, saving you some cash when it comes to competitors when adding authorized users to your plan.

Rewards Canada:
From the above you'll see you only need 15,000 points for popular short haul round trip flights. Make that spending with 5x multipliers and you have that ticket for only $3,000. You will not achieve that with any other card in Canada. Even business class to Europe is an amazing deal, only $28,000 in spending at 5x points gets you that round trip flight to Europe. Compare this to nearly double that for most other cards in Canada that allow you to redeem for business class.

The other site:
If you focus your card spending on food and drink purchases worth 5x points, you can afford that ticket for $3,000 worth of charges. At the other end, a round-trip business class flight to Europe will cost you 140,000 points, or $28,000 worth of spending on the same 5x multiplier. Other cards in Canada that allow you to redeem for business class have that total set to double the amount American Express offers

Rewards Canada:

Consumers who buy a lot of food and drinks
Consumers who travel lots or takes transit on a regular basis
Consumers who want to make sure they are getting the highest possible return on select category spending
Consumers who want to earn the most possible Aeroplan Points, British Airways Avios and points and miles with other airline and hotel programs

The other site:
If you are eligible to apply for the CobaltÂ® Card, these are a few additional considerations to make before deciding if this card is the right match for you:

You frequently purchase food and drinks
You frequently travel or often use public transit
You want the highest possible return on select spending categories
You collect Aeroplan and/or British Airways Avios points

I want to chalk it up to coincidence but to me the similarities read otherwise. What do you all think? I'd love to hear your thoughts on this! And remember - Rewards

AIR MILES is another program that Canadians either love or hate and despite a several tumultuios years the program holds onto 5th spot in these rankings. The program stil counts itself as one of the largest in Canada so it cannot be ignored with millions of Canadians still holding onto and earning AIR MILES Reward Miles.

In our first go round of these rankings in 2014 we scored AIR MILES with 5 Stars for earning but have cut that back by half a star for these latest rankings due to the program losing most of its nationwide partners like Rona, Sobeys, Staples and so forth. Still with its credit card options (Click here to see all AIR MILES credit card offerings), online shopping portal and remaining in-store partners it is easy enough to earn reward miles.

For ease of redeeming, the program gained a star thanks to the program moving away from limited seats on select flights to offering a wider range of awards across more airlines. On top of this they added to ability to redeem for flights anywhere in the world (no longer requiring a Canadian departure point) as well as access to premium economy, business class and first class flights.

Flexibility is slightly lower for AIR MILES compared to other programs on the list and the key reason for that is the lack of a partial redmeption option for flights. With AIR MILES uou need to have the full amount miles published when booking flights where as the others allow for points+cash options so you don't have to wait to use up your points/miles.

Outside of some occasional outsized value flight rewards in the old AIR MILES flights rewards system, the program was always kind of average in terms of earning versus redeeming value. And with the recent changes to the flight program the per mile value for flight rewards decreased from 11 to 15 cents per mile to 9.5 to 10.5 cents per mile. That being said the expanded redemption options for flights, good value in miles for car rental, vacation package and hotel redemptions we kept AIR MILES Reward Miles at three out of five stars for overall value.

In the market for a new rewards credit card? Check out Rewards Canada's unbiased reviews of all the popular cards in Canada. Home of the "What is good about this card" and "What is not so good about this card"! https://rewardscanada.ca/CreditCardReviews/

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I also want you to take this additional knowledge with you if you are researching the BMO card. You will find websites that rank the BMO CashBack World Elite Mastercard as the best cash back card in Canada and I would be careful with that as they are most likely doing so to earn commissions rather than actually provide you with details on what is the actual best card. We here at Rewards Canada earn commissions on the BMO CashBack World Elite Mastercard but even so the card doesn't even make it into our Top 5 Cash Back Cards

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* Cents Per Point and Cents Per Miles valuations are strictly to be used as a guiding benckmark to help compare the earn and burn ratios between loyalty program. The actual value when redeemed will vary by individual based on numerous factors including but not limited to time of booking, travel dates, class of travel, operating airline/hotel etc.

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This is always a good way to explain it! The savings versus value analogy. The value remains the same no matter what (without getting too technical like the flight is $10K today and $9K tomorrow) but if you weren't going to buy it in the first place you haven't saved at all.

It's like if you won a fancy car in one of those home lotteries. You pay $250 for the ticket and win a $100,000 Range Rover. You didn't save $99,750 if you had no intention of ever buying a Range Rover but you did just receive $100,000 of value for the $250 you spent.

Welcome to Canada's premier loyalty rewards resource! Providing miles, points and credit card tips, tricks, bonuses & more to millions of Canadians since 2001!
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Cents per point loyalty lesson

However to be able to compare the core premise of these programs, which is earning and redeeming points, you require some sort of benchmark to do so. The adopted industry standard (given there is no governing body or actual standardization rules in place)Â is to look at the associated value of each loyalty program's currency whether that is points, miles, Avios, dollars and so on. This is typically denoted as Cents Per Point (CPP), Cents Per Mile (CPM), Cents Per Avios (CPA) or in programs with dollars, such as WestJet, a straight percentage like 2% (which would be the equivalent of 2 cents per point so that you can compare)

Maybe save this below for another general article on point valuations.

Value is based on over 70% of current Aeroplan cardholders receive a value of $0.02/points or more when redeeming for a flight as of Feb 1, 2023. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 â€“ Feb 1, 2023. Now you have to remember, cardholders receive preferred pricing with Aeroplan as well so that boosts that value up for cardholders but not for Aeroplan members who do not have a card. And 70% of cardholders? Aeroplan has somewhere in the region of 5 to 6 million members and I would guess that there are probably between 1.5 to 2 million cardholders across all the Aeroplan co-brand card options. And then you have to ask how many of those cardholders redeemed during that time period and your sample size for that 2 cents valuation keeps shrinking.

I signed up for the TD aeroplan rewards credit card thinking that Aeroplan points were worth 1.5-2 cents per point according to basic google searches and Air Canada's chartÂ https://www.aircanada.com/content/dam/aircanada/loyalty-content/documents/flight-rewards-chart-en.pdf. I've had my aeroplan credit card since March and have accumulated 52,000 points. I decided I would use my points to book some flights for 2 adults from Calgary to Toronto. At $0.015/ point I assumed I had ~$780 worth in points.Â

I started to book with points and noticed it was 42,000 pointsÂ + $749.10 for two people from CalgaryÂ to Toronto. The same flights without points were worthÂ $986.82.Â So essentially 42,000 aeroplan points are worth $237.72 or 1 point = $0.00566. At this point I'm asking myself why I switched from my cash back card to Aeroplan points.

This issue arises after sites publish what an Aeroplan point is worth. We are one of those sites - we put a minimum valuation of 1.5 cents for Aeroplan points which is a much more conservative valuation than others.

This is something I have also heard on occasion from our readers and am also suspecting tends to be the issue on forums where people are speaking up that they are having a hard time finding

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</strong> <a href="https://www.rewardscanada.ca/links/rbcba.html" target="_blank" class="btn btn-outline-secondary m-1" role="button">Learn more here!</a></div></div>

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If you don’t have the Air France KLM World Elite Mastercard your best option is to convert American Express Membership Rewards points to Flying Blue Miles. The transfers are typically near-instant but American Express does state they can take up to 3 days.

Membership Rewards points transfer at a 1 to 0.75 ratio to Flying Blue. Which means you’ll need to transfer as little as 40,000 points for a round trip economy class flight or 100,000 points for one way business class. To put this in perspective, Amex’s own Fixed Points for travel requires 60,000 points for economy class or 140,000 for business class and a lot more cash for the taxes and fees for a round trip economy class ticket. And with Aeroplan you are looking at 60,000 to 70,000 points for economy class (60,000 to 70,000 Membership Rewards points) or 120,000 - 140,000 or more points for business class. As well with Aeroplan the fees for economy class will be comparable as Aeroplan does not include your first checked bag.

Even with the 1 to 0.75 ratio this represents an absolutely amazing redemption option for your Membership Rewards points. This is especially true for the American Express Cobalt Card if you earned most or all of your points at the 5x level. If you are able to redeem for a round trip economy class flight for 40,000 Membership Rewards points it represents a very low $8,000 in 5x points spending. For business class you are looking at 100,000 Membership Rewards points for a round trip or as little as $20,000 in spending. There is no way you can even come close to getting redemptions like this for that little amount spending with any other credit card in Canada.

If you are able to redeem for a round trip economy class flight for 40,000 Membership Rewards points it represents a low $8,000 in 5x points spending. There is no way you can even come close to getting redemptions like this for that little amount spending with any other credit card in Canada.

Cobalt top page <div class="col-lg-12 text-center" style="color: white"><strong> Amazing travel rewards: <i class="bi bi-check-circle-fill"></i> | Amazing cash back rewards: <i class="bi bi-check-circle-fill"></i> | Get the best of both worlds with the American Express Cobalt Card </strong> <a href="https://www.rewardscanada.ca/amex-cobalt-review.html" target="_blank" class="btn btn-outline-light m-1" role="button">Learn more here</a></div>

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Membership Rewards points transfer at a 1 to 0.75 ratio to Flying Blue. Which means you’ll need to transfer as little as 40,000 points for a round trip economy class flight, 47,000 points for Premium Economy or 100,000 points for one way business class. To put this in perspective, Amex’s own Fixed Points for travel requires 60,000 points for economy class or 140,000 for business class and a lot more cash for the taxes and fees for a round trip economy class ticket. And with Aeroplan you are looking at 60,000 to 70,000 points for economy class (60,000 to 70,000 Membership Rewards points) or 120,000 â€“ 140,000 or more points for business class. As well with Aeroplan the fees for economy class will be comparable as Aeroplan does not include your first checked bag.

Images via Air France

Membership Rewards points transfer at a 1 to 0.75 ratio to Flying Blue. Which means you would only need to transfer 40,000 points for a round trip economy class flight. To put this in perspective, Amex’s own Fixed Points for travel requires 60,000 points for economy class and a lot more cash for the taxes and fees for a round trip economy class ticket. And with Aeroplan you are looking at 60,000 to 70,000 points for economy class (60,000 to 70,000 Membership Rewards points). As well with Aeroplan the fees for economy class will be comparable as Aeroplan does not include your first checked bag.

Even with the 1 to 0.75 ratio this represents an absolutely amazing redemption option for your Membership Rewards points. This is especially true for the American Express Cobalt Card if you earned most or all of your points at the 5x level. If you are able to redeem for a round trip economy class flight for 40,000 Membership Rewards points it represents a very low $8,000 in 5x points spending. There is no way you can even come close to getting redemptions like this for that little amount spending with any other credit card in Canada.

Just read an article on another site ranking the BMO Cashback World Elite as the best cash back card. Not one mention of the low spending caps on the card. The rest of the article is pretty fraught with more bad info like ranking Koho Extra as the best travel cash back card!?!

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<article id="post-18956" class="post-18956 page type-page status-draft hentry">  	<header class="entry-header page-header">  		<h1 class="entry-title">Untitled</h1>

For 23 years I have provided original, unbiased content on Rewards Canada and the dividends it pays shows. We have a great community of readers, great partnerships with airlines, hotels, card issuers etc, and Rewards Canada is the preferred go to loyalty and credit card resource for the Canadian media.

One such example is the Scotiabank Gold American Express Card which receives numerous awards from Canadian websites and blogs but who does Scotia highlight above the fold? Rewards Canada.

Rewards Canada is where you'll find no copying, no mimicking, no ranking cards or programs based on commissions earned or adveritsing dollars. If a card, program or promotion is great - I'll tell you. If a card, program or promotion sucks - I'll tell you. No fluff to try to sell you on them. There's a solid reason why we sell very few BMO credit cards....

That's the Rewards Canada difference and here's looking the next 23 years (hopefully!)

Canada’s leading loyalty rewards and credit card website

Canada’s most recognized loyalty rewards expert

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Qatar Airways Qsuites, Overwater bugalows in the Maldives, ANA The Room, - none of those matter if you don't earn enough points or miles to redeem for them. That's where RWRDS Canada comes into play. We are Canada's gateway to more miles and more points which leads to more rewards!

We don't just focus on credit card sign up bonuses to get you there.

<title>Episode 115 - Give A Mile 2024 Holiday Campaign - Let's raise 50,000 points</title>

<itunes:author>Rewards Canada</itunes:author>

<itunes:subtitle>Your guide to Credit Cards and Loyalty Rewards in Canada</itunes:subtitle>

<description>In this episodewelcome back the founder of Give A Mile, Kevin Crowe for an interview on the 2024 Holiday Campaign and their goal to raise enough miles and points for 52 flights of compassions </description>

<guid>https://www.rewardscanada.ca/podcast/RCPodcast115.mp3</guid>

<itunes:duration>27:10</itunes:duration>

<itunes:keywords>travel, credit cards, airlines, hotels, frequent flyer, points, miles, canada, loyalty programs, </itunes:keywords>
</item>

I, for one am not a huge fan of inflating earn rates (even if the value remains the same) as it can lead to misconceptions that the loyalty program. We see this with BMO Rewards credit cards and the recent changes to ATB credit cards. They have inflated earn rates that make them appear better than they really are. And as you mentioned on top of this for your existing program it affects the ease of calculation and you're messing with that familiarity that members have. I do understand where you are coming from though in terms of those non-transactional rewards

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