All the major hotel chains have now launched their fourth quarter promotions. If you're planning a Thanksgiving getaway, or a cross-border shopping trip, you might also refer to Points and Miles: September for the chains that were first out of the gate with their offers last month.
Country Inn and Suites by Carlson offers a free night if you complete a two-night stay by December 1. Various terms and conditions apply, so read them carefully. And a car rental from Avis could get you 9K Club Carlson points. Here's the link with the code you'll need.
You're probably not familiar with Wyndham Rewards, but you may recognize many Wyndham Hotel brands: Ramada, Super 8, Days Inn, Howard Johnson, Travelodge. Every stay through November 18 earns double points or miles, and every second stay gets you a $20 VISA gift card. Registration is required via this link.
Priority Club is the loyalty program of Intercontinental Hotels (Holiday Inn, Holiday Inn Express, Hotel Indigo, Crowne Plaza). You earn 10 points for every dollar spent. To redeem for a free night at a Holiday Inn or Holiday Inn Express usually requires 15K points, but some hotels offer "Pointsbreaks" specials for only 5K points a night. Here's where to find hotels offering Pointsbreaks. Until December 31, Register to earn 500 bonus points per night. Your bonus will be doubled or tripled if you stay at more than one brand. There are lots of other bonuses available. Find them here. The bonuses can add up quickly: two paid nights at Holiday Inn can easily earn you a free night.
Unfortunately, there are few Hyatt Hotels in Canada. Until November 15, receive 5K bonus Hyatt Gold Passport points after every three nights you stay. Combined with the regular 5 points per dollar earned, that's enough for a free night at many Hyatt hotels.
The airline space presents a couple of interesting offers. If you're a Royal Bank customer and collect RBC Rewards points, until November 30, earn a 30% bonus when converting RBC Rewards points to American Airlines AAdvantage miles. And, only until November 15, RBC is offering up to $350 in WestJet dollars for signing up for its WestJet RBC MasterCard.
If you'd subscribe to the magazine anyway, and the price is right, Rogers magazine service is offering 250 Aeroplan miles when you add a magazine to your account. Gift subscriptions also qualify.
And finally, CIBC has taken over the Petro-Points MasterCard and is offering 15K as a sign-up bonus. Petro-Points aren't worth much: 15K points will get you a $10 gas card. You do save 2 cents a litre at the pump, earn points for your spending, and receive a monthly 5K ($3.33) bonus if you spend over $1,000.
The card is no-fee, and there is a calculator on the site to let figure out how you'd do. My own calculations show that I'd save about $4.00 a month on gas and earn a $10.00 gas card about every other month, giving the card a value of a about $120.00 per year, or a return of about 1%. That represents a lost opportunity of several hundred dollars compared to several other cards I know and use that offer a 2% return and whose points can sometimes be leveraged for even greater value.
If you spend a lot (over $25K per year), especially on gas, the 2 cent a litre discount could increase the card's value to the $250-$300 range. But there's still the lost opportunity cost to consider. If you're putting that much spending on a credit card, a travel rewards card that offers double points or miles for gas, grocery, drug store, and travel purchases could be worth your while, even if it comes with a fee.
It just goes to show that there's no one right rewards program for everyone. How much you spend, where you spend, and what kinds of rewards you're after all determine what's best for you.
You can now follow me on Twitter: @AeneasLane
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