In This Issue: 

​​🚀 New Referral Program: Refer and Reduce Your Chexy Fee

✈️ Get Up to 60% More When Buying Avios

🏨 Hilton Honors 100% Bonus

🗺️ Chexy Deals: Milan, Zurich and Lisbon (Business Class)

🚀 Refer and Reduce Your Chexy Fee

Love earning $15 Rent Cashback when you refer a friend? Well, now you can do even better! With our new Chexy Referral Program, you can reduce your Chexy fee and keep more of your rewards. 🎉

Here’s the deal:

• Every time you refer a friend and they activate, you’ll earn $15 Rent Cashback (they get $15 too!).

• Plus, you’ll move closer to a lower Chexy fee that lasts for the rest of the calendar year.

Here’s how it works:

• 3 referrals = Pink status → 1.5% fee

• 5 referrals = Gold status → 1.0% fee

• 10 referrals = Elite status → 0.5% fee

The faster you refer, the sooner you lock in a lower fee—and the more rewards you keep!

Click here to learn more.

🚀 Avios Bonus Alert: Get Up to 60% More When Buying Points (Ends Feb 2!)

🚀If you’re sitting on the fence about topping up your Avios balance, now’s your chance to score a solid deal! Qatar Airways Privilege Club is running a limited-time offer where select members can get a 40%, 50%, or even 60% bonus when purchasing Avios. This deal expires February 2, 2025!

What’s the Deal?

The bonus depends on how many Avios you buy:

• 5,000–30,000 Avios → 20% bonus

• 32,000–58,000 Avios → 30% bonus

• 60,000+ Avios → 60% bonus ✅ Best value!

Buying 60,000 or more Avios is the sweet spot here, since it maximizes your bonus and drops the cost per point to 1.44 cents (USD).

When Does Buying Avios Make Sense? 🤔

While buying points isn’t always the best move, there are some key situations where it pays off:

✅ You’re just short a few Avios for an upcoming redemption – Instead of transferring from another program (which can take time or come with fees), topping up with this promo ensures you lock in your booking.

✅ You can get more value than what you paid – The golden rule is to redeem your Avios for flights where each point is worth more than what you paid to acquire it. Otherwise, you’re leaving money on the table.

✅ Booking premium cabins at a discount – Avios is really great when booking Qatar Airways Qsuites, one of the world’s best business class products.

How Much Would a Qsuites Flight Cost? ✈️

For example, a one-way Qsuites flight from Montreal to Doha costs 70,000 Avios. 

With this promo, you could buy:

• 60,000 Avios → Get 96,000 total for $1,196 USD ($1,730 CAD)

• 70,000 Avios → Get 112,000 total

Note: The more you buy the better!

The exact same one way flight cash ticket on Qsuites is going for over $8,500, nearly $6,700 more than it would cost you to buy points with this bonus!

Final Takeaway 🎯

If you’ve been waiting for a solid Avios bonus, this promo is worth considering—especially if you have specific redemptions in mind (hello, Qsuites!). Just remember to compare the cost per point with your expected redemption value, and if it makes sense, grab those Avios before February 2 rolls around!

🌴 Hilton Honors 100% Bonus: Should You Buy Points?

Hilton is back with another buy points promotion, offering up to a 100% bonus when you buy 5,000 or more Hilton Honors points. This time, they’ve tripled the maximum purchase limit, meaning you can now buy up to 240,000 points, which turns into 480,000 points with the bonus. That’s a massive boost, but the real question is—should you buy?

💰 What’s the Deal?

Hilton is selling points at 0.5 cents per point (USD) with the 100% bonus, a rate we see frequently in their promos. While this isn’t a jaw-dropping deal, it’s still a solid way to lock in high-value redemptions, especially at premium Hilton properties. Hilton’s dynamic pricing means redemptions can fluctuate, so strategic purchases are key. If you’re booking standard awards at luxury properties or taking advantage of the 5th Night Free perk, this could be a serious money-saving opportunity.

When Does Buying Points Make Sense?

There’s a golden rule with buying points: only buy if you’re redeeming for more value than what you paid. 

Hilton makes it fairly easy to get 0.6 - 1.0 cents per point in value, especially at luxury properties or during peak pricing windows.

Let’s break down a real-world example where buying points beats paying cash.

🏝 Conrad Bora Bora Nui – Ultra-Luxury Example

Cash price: $1,300+ USD per night. Points price: 120,000 points. 

Buying 120,000 points costs $600 USD ($870 CAD), meaning you’re getting a 1.25 cents per point redemption—more than double what you paid for them. This is one of the best ways to leverage Hilton points for ultra-premium stays.

🏆 The 5th Night Free Strategy – Maximizing Points Even Further

If you have Hilton Honors Silver status or higher, you can take advantage of the 5th Night Free perk when booking standard rooms on points. This dramatically boosts the value of your points, especially at properties with dynamic pricing that fluctuates with cash rates.

🎯 Should You Buy Hilton Honors Points?

It depends on how you plan to use them. If you’re booking luxury stays where points offer better value than cash, buying points is a no-brainer. But if you’re considering redemptions at lower-tier Hilton properties, it might not be worth it since Hilton’s dynamic pricing can sometimes favor cash bookings instead. Also, Canadians need to factor in GST/HST on points purchases, which eats into savings slightly.

🌟 Hilton Honors Bonus Stacking Opportunities

Hilton frequently offers extra point promotions on paid stays, meaning you can double dip. Right now, Hilton Honors members can earn 2x points on all stays from January 1 – April 30, 2025 (registration required). This means even if you don’t buy points, you can earn them faster on your upcoming stays.

🚀 Final Verdict – Buy or Pass?

If you’re eyeing premium Hilton properties, using the 5th Night Free perk, or need a small top-up for a specific redemption, this promo is absolutely worth it. However, if you’re buying speculatively with no planned redemption, it’s better to wait for a future promo when you actually need the points. Hilton regularly runs these offers, so there’s no need to hoard unless you have a confirmed high-value booking in mind. 

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 travelling in the next few months!

1. Toronto (YYZ) ➡️ Lisbon (LIS)

   • Cost: 60,000 (Business Class)

     

   • Dates: July 21th, 2025

   • Book: Here

2. Toronto (YYZ) ➡️ Lisbon (LIS) ➡️ Milan (MXP)

   • Cost: 70,000 (Business Class)

     

   • Dates: July 14th, 2025

   • Book: Here

3. Toronto (YYZ) ➡️ Zurich (ZRH)

   • Cost: 70,000 (Business Class)

     

   • Dates: August 10th, 2025

   • Book: Here