In This Issue: 

🆓 Chexy Now Accepting Pre-Authorized Debit

​​🥇 Aeroplan: 75 Million Points Black Friday Deal

🚀 80% Points Bonus with Aeroplan

🔗 Partner Content: Transferable Avios Offer

🗺️ Chexy Deals: Business class to London, Paris and Amsterdam

Reminder: Chexy Now Supports PAD for Rent Payments! 💸 

We’ve got great news – you asked, and we delivered! Chexy now supports Pre-Authorized Debit (PAD) for rent payments, which means you can finally earn rewards on your rent payments. 🏠✨

What’s in it for you?

• Earn up to $600 cashback each year 🤑

• Rack up thousands of points for your next free travel adventure ✈️

• Improved credit score by reporting rent payments

How it Works:

When you set up PAD payments with Chexy, we create a personalized Chexy Wallet just for you. It’s like your own digital bank account, making it easy to deposit rent securely every month.

1. Sign up for PAD at app.chexy.co to get your unique wallet details.

2. Share your Chexy Wallet info with your landlord or property manager.

3. Sit back and watch as you earn rewards each month – it’s that simple!

Need help getting set up or have questions? Check out our support page for all the info you need. 💬

👉 Ready to start earning on your rent? Sign up now!

Score Points with Air Canada’s Black Friday Sale: Here’s What You Need to Know

Air Canada’s Black Friday seat sale is here, and it’s not just about flight discounts—they’re giving away 75 million Aeroplan points. Yes, 75 million! Every Aeroplan member who books during the promo gets a share.

How It Works

Register as an Aeroplan member and book a flight by December 1, 2024. You’ll earn a minimum of 1,000 Aeroplan points, but it could be much more depending on how many people participate.

Travel Your Way

• Book by: December 1, 2024

• Travel between: December 6, 2024 – June 15, 2025

Perfect for winter escapes, spring adventures, or early summer trips.

Why You Should Jump In?

• Easy points: Even short flights earn at least 1,000 bonus points.

• Stack rewards: Combine this promo with your Aeroplan credit card for even more points.

• Flexible dates: Six months to pick your travel.

How to Get Started

1. Register for Aeroplan (free to join).

2. Sign up for the promo on Air Canada’s site.

3. Book your flight.

Aeroplan’s 80% Bonus Deal: Turn Points into Premium Travel! 💼✈️

Aeroplan’s 80% Bonus Deal: Turn Points into Premium Travel! 💼✈️

Dreaming of sipping champagne in business class or lounging in a first-class suite? With Air Canada’s limited-time offer, you can turn those dreams into reality by purchasing Aeroplan points with a whopping 80% bonus. This deal is live until December 11, 2024, and if you play your cards (and points) right, you could be flying in style for a fraction of the cost. Let’s break it down in a way that actually gets you excited to book!

The Basics of the Deal

When you buy at least 15,000 Aeroplan points, you’ll get an 80% bonus. That means:

• Buy 15,000 points, and you’ll get 27,000.

• Buy 50,000 points, and you’ll end up with 90,000.

• Or, go big with 500,000 points, and you’ll rake in 900,000 points total.

You’re effectively buying points at 1.4 cents USD per point, (1.9 cents CAD), which can lead to massive savings on premium business-class travel, which we love over here at Chexy.

Real Example: Business Class to Europe

If you’re dreaming of flying business class to let’s say Paris, this promo can help you turn that dream into reality. 

If You Have Some Points:

For a one-way ticket, you’ll need 70,000 points. Let’s say you already have 30,000 points, you can purchase 25,000 points during the promotion and receive an 80% bonus (20,000 extra points), bringing your total to 75,000 points—more than enough for the redemption. 

The cost? $875 CAD for the points. Compare that to the cash price of $4,750 CAD, and you’re saving over $3,875 CAD on the same ticket!

If You Are Starting From Scratch:

Now, let’s say you’re starting with zero points and still want to book this ticket. You’d need to buy 40,000 points, which will give you 72,000 points after the 80% bonus—enough to cover the redemption and leave you with a little extra. 

This would cost you around $1,400 CAD. While the cash price of the ticket is $4,750 CAD, you’d still save over $3,350 CAD, making this a fantastic deal even if you’re starting from scratch!

💳 Smart Ways to Pay for Aeroplan Points in Canada

Aeroplan points are processed through Points.com, meaning these purchases won’t qualify as travel spending on your credit card. To make the most of your money, here’s how to pay smart for points:

Use this card with no FX fees:

• Scotiabank Gold Amex: Earn 2x Scene+ points on purchases, no foreign

  fees.

Clock’s Ticking—Act Fast!

The 80% bonus ends on December 11, 2024. Whether it’s a luxury trip to Europe, a business-class jaunt to Asia, or a quick escape within North America, now’s your chance to score incredible savings.

We’re excited to share exclusive travel and credit card insights through this feature with Prince of Travel, where we collaborate with expert partners to bring you the latest tips and trends in personal finance and travel. Let’s dive in!

Transferable Avios offer opportunities for saving

In our last column, we talked about the oneworld airline alliance and accessing it through British Airways Executive Club.

Executive Club uses a points currency called Avios, and Avios is also the name of the points currency for the airline loyalty programs Finnair Plus, Qatar Airways Privilege Club, Iberia Plus and AerLingus AerClub.

While each of these airlines technically has its own loyalty program, the Avios can all be exchanged with British Airways at a 1:1 ratio, although the transfer process for Iberia is more restrictive than the others.

Even though each of these airlines is part of the oneworld alliance, the amount of Avios needed to book on a partner airline varies depending on which Avios you’re using.

So, when you’re looking to book a flight using Avios, remember to check for seats through each airline that uses Avios, because one might have a far better deal available.

As an example, we found a business-class seat on a Japan Airlines flight from Vancouver to Tokyo on Nov. 8, 2025 on each of the British Airways, Finnair, and Iberia sites.

The seat cost 77,250 Avios + $324.42 CAD on British Airways and Iberia, but 94,250 Avios + $325.67 CAD on Finnair.

In this case, you would want to transfer your Avios to either British Airways or Iberia.

However, it’s worth noting that Japan Airlines award availability opens five days earlier on Finnair and Iberia – 360 days in advance, instead of 355 for British Airways. So, if you are planning to travel in a busy season and you can’t find availability on Iberia, you might want to turn to Finnair to ensure you get a seat.

Credit Card Spotlight 🔦

Welcome to Chexy Credit Card Spotlight! 👀 Each month we’ll recommend a credit card that everyone should have! This time, we’ve got the Scotiabank Gold American Express—perfect for everyday buys and travel. Let's jump in. ✅

Scotiabank Gold American Express Card

Earn up to 6X the Scene+TM points on every $1 CAD you spend in Canada on eligible grocery, dining, and entertainment purchases.

Earn Rates:

6X on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland, and more.

5X for every $1 CAD you spend on Dining, Food Delivery, and other eligible grocery stores.

5X for every $1 CAD you spend on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.

3X for every $1 CAD you spend on gas and daily transit options. Includes rideshare, buses, taxis, subway, and more.

3X for every $1 CAD you spend in Canada on eligible select streaming services.

1X on Everything Else

Annual Fee:

The card has a $120 annual fee but your first year is waived!

Check out these awesome deals you definitely don't want to miss if you're thinking about traveling in the next few months!

1. Calgary (YYC) ➡️ London (LHR)

   • Cost: 60,000 (Business Class)

     

   • Dates: February 24th, 2025

   • Book: Here

2. Toronto (YYZ) ➡️ Paris (CDG)

   • Cost: 70,000 (Business Class)

     

   • Dates: February 16th, 2025

   • Book: Here

3. Toronto (YYZ) ➡️ Amsterdam (AMS)

   • Cost: 64,300 (Business Class)

     

   • Dates: December 31st, 2024

   • Book: Here