In This Issue: 

​​💳 New CIBC Adapta Mastercard: Adaptive Rewards

⭐️  25% Off Business Class Flights with KLM Flying Blue

🔗 Partner Content: 15% Off Cathay Pacific Asia Miles

🛫 Chexy Deals: Business class to Amsterdam, Vienna and Copenhagen

🇨🇦 Reminder: Earn up to 10,000 Aeroplan® Points with Chexy!

You’re already paying rent, bills, and taxes, now you can get rewarded for it. Thanks to our new partnership with Aeroplan®, you can earn up to 10,000 bonus Aeroplan points.

Log in to your Chexy account to see your offer and connect your Aeroplan® account.

This limited-time offer ends July 15, 2025.

Terms and conditions apply.

💸 New CIBC Adapta Mastercard: Rewards That Adapt to Your Spending

CIBC’s new Adapta Mastercard is getting a lot of attention as Canada’s first credit card that automatically adjusts to your spending habits. On the surface, it sounds great. There’s no annual fee, and it figures out your top three spending categories each month so you can earn more points without having to think about it. But let’s take a closer look to see if it really holds up. 

Although Chexy doesn’t currently accept Mastercard, we still think it’s worth finding out whether this card deserves a spot in your wallet.

Points Earning: Set It and Forget It 💳

You’ll earn:

• 1.5 points per dollar in your top 3 spending categories each month

• 1 point per dollar on all other purchases

Categories include most high-spend areas like groceries, gas/EV, restaurants, hotels, transit, health & beauty, and more. What this means: this card is trying to be a one-size-fits-most solution.

The ability to shift your earn rate dynamically could actually outperform static category cards, but only if your spending fluctuates regularly.

Redemptions: How Points Work 💰

Redeeming your points is simple: 

• 1,500 points = $10 as a statement credit or towards a recent purchase

• Or, 1,200 points = $10 toward a CIBC product like a loan or mortgage

The first one is straight up cashback. The second only makes sense if you’re locked into the CIBC ecosystem, which won’t apply to most users. 

Let’s call it what it is: a cashback card, not a points strategy card. As long as you're clear on what you're signing up for, this card can be a solid choice.

A Solid Welcome Bonus for a No-Fee Card 🎁

CIBC offers: 

• 3,000 (worth $25) after your first purchase

• Another 3,000 points ($25) after spending $1,000 in your first 4 months

• Free roadside assistance (a $50+ value) after your first purchase

It’s not a game-changing offer, but for a card with no annual fee and a $15k income requirement, it’s a solid value. ✅

Is It Worth It? Depends on How You Spend 🧠

Let’s compare who will get the most value out of this card and who won’t: 

❌ This card isn’t for you if: 

• You value business class flights or lounge access (you’ll get more value from a travel-focused card like the Scotiabank Passport Visa Infinite or Amex Cobalt)

• You want premium perks like extended warranties, trip insurance, or partner point transfers

✔️ But it is worth considering if: 

• Your spending categories change every month 

• You’re don’t want to use multiple credit cards to get the best value for points 

• You want a no-frills, no-annual-fee card

Our Take, Backed by the Math 📈

Let’s say you spend $2,000 a month and your top 3 categories change often. The Adapta Card can easily beat traditional no-fee cards with its fixed 1% to 1.5% earn rates.

If $1,200 of your spending lands in those top 3 categories, you’d earn 1.5x the points, and the other $800 earns you 1x the points. Overall, this card can earn you 31,200 points/month, or $208 over the course of a year. 

And remember, there’s no annual fee. You’re earning that cashback for literally doing nothing. 🤑

Final Thoughts 💭

The Adapta Mastercard is what most no-fee cards should be. Flexible, low-effort, and actually aligned with how people spend. It’s not built for those chasing premium travel perks, but for the everyday spender, it delivers solid value. If you want a no-fuss, high-value rewards card that adapts to your life, the Adapta Mastercard is one of the strongest no-fee options we've seen this year.

✈️ 25% Off Business Class Flights From Montreal to Europe with KLM Flying Blue

Air France KLM’s Flying Blue Promo Rewards are back for May. If you have some Flying Blue Miles stashed away, now’s the time to book a business class trip from Montreal to Europe, North Africa, or Turkey for fewer miles than usual. 

Here’s what you need to know: 👇

The Deal: 25% Off Business Class Redemptions

Every month, Flying Blue drops special discounts on mileage redemptions for select routes. This month, Montreal made the list. 😎

• Book by: May 31, 2025

• Travel by: October 31, 2025 

• Deal: 25% off KLM Business Class from Montreal to select destinations in Europe, North Africa, and Turkey.

• Starting from: Just 45,000 Flying Blue Miles one way 💼✈️

Where You Can Fly 

These Promo Rewards apply to business class flights departing Montreal (YUL) to destinations across: 

• Western and Eastern Europe 🇪🇺

• North Africa (like Morocco or Algeria) 🇲🇦

• Turkey 🇹🇷

KLM operates these routes via Amsterdam, so you’ll likely have a layover there — but that’s a bonus if you want to explore the Netherlands before heading to your final destination. 🧳

We found some flights at the 45,000-mile rate for routes like: 

• Montreal to Amsterdam

• Montreal to Paris

• Montreal to Algiers 

Some one-way business class routes (like Montreal to Algiers) normally go for 60,000+ Miles or over $1,480. With this promo, you’re getting a value of over 3 cents per Mile. 🤑

Surprisingly, July through September has great availability. That’s pretty rare for summer business class redemptions, so if you want to book, do it now! ☀️

Best Way to Get Flying Blue Miles

If you don’t have Flying Blue Miles yet, the easiest way to get them is by transferring from American Express Membership Rewards at a ratio of 1 MR point : 0.75 Flying Blue miles. 

For a round-trip business class flight (~90,000 miles), you’ll need to transfer around 120,000 MR points.

How to Book 

Book directly on Air France or KLM. Enter your travel dates and look for the 45,000-mile one-way biz class rates — the 25% discount will show automatically. 

You might see euro pricing if you’re browsing from KLM’s Dutch site, so just switch to the Canadian version for CAD fees. 

Final Thoughts: Should You Book Now?

Flying Blue’s May Promo Rewards offers one of the best business class redemptions you’ll find in Canada right now. 

You could be flying in lie-flat seats to Europe this summer for less than the cost of an economy ticket on points elsewhere. 💆

As a reminder: 

✅ Book by May 31

✅ Travel through October

✅ Fly business class for just 45,000 miles one way

Until May 12, 2025, RBC is offering a 15% transfer bonus when you convert RBC Avion points into Cathay Pacific Asia Miles.

Whenever a transfer bonus event comes around, it’s a really good time to look at the options available to you in the destination program, since it’s the best time to squeeze extra value out of your points.

If you have your eyes set on a flight with Cathay Pacific, Asia Miles offers the only meaningful way to book flights in premium cabins on points.

A one-way flight in business class between Vancouver and Hong Kong costs 88,000 Asia Miles, which is equal to 76,600 RBC Avion points with the transfer bonus. 

Likewise, a one-way flight from Toronto to Hong Kong costs 115,000 Asia Miles, which is equal to 100,000 RBC Avion points with the transfer bonus. 

Plus, you can continue onward to other destinations in Asia or even Australia and not pay any more miles, since you’re already in the top distance band.

This may come as a surprise, but Asia Miles is actually the best program to use for booking premium flights with British Airways. That’s because the taxes and fees you’ll pay through Asia Miles are significantly lower than the same flights booked through, say, The British Airways Club, and award pricing is pretty good, too.

A one-way flight in business class between Canadian cities and London costs 63,000 Asia Miles, which is reduced to about 54,800 RBC Avion points with the transfer bonus. The taxes and fees amount to around $356 through Asia Miles, which is a great deal compared to the standard pricing of 62,500 Avios + $885 that you’d pay through The British Airways Club.

If you have any plans to fly with oneworld airlines in the next year, be sure to take stock of what’s available and leverage the transfer bonus if you find something good!

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) ➡️ Munich (MUC) ➡️ Copenhagen

   • Cost: 70,000 (Business Class)

     

   • Dates: May 7th, 2025

   • Book: Here

2. Montreal (YUL) ➡️ Vienna (VIE)

   • Cost: 60,000 (Business Class)

     

   • Dates: May 10th, 2025

   • Book: Here

3. Toronto (YYZ) ➡️ Warsaw (WAW) ➡️ Amsterdam (AMS)

   • Cost: 70,000 (Business Class)

     

   • Dates: May 19th, 2025

   • Book: Here