TD Aeroplan Promotion

Credit cards’ signup bonus is one of the easiest ways to give a huge boost to your points balance. TD is offering a welcome bonus of 25,000 just for signing up, and first year annual fee waived! For those of you who do not have a TD Aeroplan Visa at the moment, this is a very lucrative offer!

Link to the offer on TD’s website:


Here are the brief details:

  • Get 15,000 bonus miles on upon first purchase
  • Get additional 10,000 bonus miles after spending $1000 in the first 90 days
  • 1 Aeroplan mile per dollar spent on the card
  • 1.5 miles for all gas, grocery, drugstore, and purchases

I feel that $1000 spending over 3 month can be easily achieved by most people, so this should not be a huge challenge. You will end up with at least 26,000 Aeroplan miles afterwards.

The only downside is that this offer is available only for new applicants. Unfortunately if you are currently holding any of the TD Aeroplan Visa, like myself, you will not be eligible. For those who are new to the game, this will get you enough miles to fly to anywhere in North America!

Hitting the Sweet Spot for Marriott Rewards

I recently applied for a Chase Marriott Visa. Part of the reason was for the no-foreign currency conversion fee, part was for the signup bonus and immediate Silver Elite status for Marriott. You can get more details on the Marriott status benefits here. I wouldn’t keep this card for my day-to-day spending though, more for the bonus and the free annual certificate.

Again, using my usual methodology on determining the value of loyalty points, I look for what can I get with the points, and what my opportunity cost is for acquiring them.

The interesting thing about Marriott points is that the value changes depends on where you redeem them.

Let’s look at the Marriott hotels in Toronto.

Hotel Cash rate Redemption rate Value of points
Marriott Downtown Eaton Center $279 35,000 0.8 cents/point
Ritz-Carlton $455 50,000 0.9 cents/point
Residence Inn Toronto Downtown $206 30,000 0.7 cents/point
Renaissance Toronto Downtown $174 35,000 0.5 cents/point
Marriott Bloor Yorkville $199 35,000 0.6 cents/point

So it looks like the value varies from 0.5 cents per point to almost 1 cent per point across the Marriott hotels in Toronto.

I then explored around, and I found some of the hotels in Mainland China yields much better redemption rate.

Hotel Cash rate Redemption rate Value of points
Ritz-Carlton Beijing $365 30,000 1.2 cents/point
Renaissance Beijing Wangfujing $220 20,000 1.1 cents/point
JW Marriott Beijing $275 25,000 1.1 cents/point
Renaissance Shanghai Zhongshan Park $165 10,000 1.7 cents/point
Shanghai Marriott Pudong East $271 10,000 2.7 cents/point
Renaissance Chengdu $194 15,000 1.3 cents/point
Marriott Guangzhou $264 15,000 1.8 cents/point

We are now getting between 1-2 cents/point for many of the Marriott properties in China, while the Shanghai Marriott Pudong hotel is netting a 2.7 cents/point. It puzzles me as to why these hotels are of such low category yet offers the same, if not better quality, than the establishments in NA.

Keep in mind that if you choose to redeem with points, you also do not pay any of the taxes/hotel fees, you literally check-in, check-out, without spending a dime. Perks of being Marriott Silver elite means you will automatically upgraded to a better room, usually one level above what you book, welcome gifts, such as fruits and chocolates, and a dedicated faster Elite check-in line.

In summary, if China is somewhere you may visit in the near future, Marriott points could prove to be very valuable there! Below is the JW Marriott Beijing, and this is only a category 4 establishment!



Leave a comment if you also enjoy using Marriott rewards and what were your most valuable redemptions?

4 Factors to Consider Before Diving In

In my previous post, I briefly introduced to you how to determine the value of a point/mile for a certain loyalty program. However, there may be other factors that need to be considered.

  1. Explore all possible rewards and find the ones that are most valuable to you. Everything is priced differently. Let me give you two examples again comparing Aeroplan and Air Miles, this time I will try using some of the higher value redemptions – flights! If you haven’t caught onto the name of my blog yet, this will be the focus of my blog.

Air Miles can only be redeemed for economy tickets, and they are based on high and low seasons.

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