Your points are forfeited if you don’t use your account for two years. This works out at 0.55p per point. It only applies if you pay cash or debit. Here’s how to redeem points for gift cards with the various loyalty programs in Canada. The points can be redeemed to get $ off your next bill. When using your points for gift cards, most of the redemptions will cost you 14,000 points for a $100 gift card. They also give bonus points on various items. 1,000 POINTS = $10 OFF. From Starsky, spend $50 on regularly priced items, From Longo’s, you need about 200 points which takes about $100 of spending, From Sobeys, you need about 125 points which takes about $125 of spending, From Metro, you need about 9.5 AIR MILES which takes about $190 of spending. Your email address will not be published. Enter the number of the items that you want to buy and click the "Get it Now button;" the name of the button varies by site. Report inappropriate content . Having a huge bank of travel points or miles is great if you plan on travelling, but what happens if you’re grounded? There is no incentive to accumulate lots of points before redeeming. to take dollars off your grocery bill, or. Metro doesn’t run its own reward card. If you are looking to use miles on flights to different countries and continents, the Lufthansa program can be used to your advantage. Maybe I’ll be able to do a follow-up sometime of other provinces. I don’t want to buy some strange brand of pasta just to get more points. Some of these stores also offer credit cards that earn points. +350 Watch Streak 4 Plus, get exclusive content, promotions and giveaways delivered right to your inbox. The number of points needed for a reward flight depends on the fare. I don’t care if they offer me 1000 points for buying 2 loaves of bread if I only want one I only buy one. You get more $ per point if you wait till you have quite a few points to redeem. The redemption ratio for gift cards is 3,500 points for $25 and they have many popular merchants including: You do have the option to redeem 4,000 points for $25 a statement credit, but that’s a lower value than gift cards. Reward flights. 500 Nectar Points are worth £2.50. Receive personalised offers and find all your Morrisons club benefits in one place. 1 Nectar point is worth 0.5p. If you want to get technical, you could say there are eight levels of elite, as you’re also able to earn lifetime Silver, Gold or Platinum status. Based only on base points per dollar spent in the store, though, as of September 2014, it looks like it might be best to spend your money at Starsky. Longo’s has a free Thank You Rewards card. Each stream must be at least 10 minutes long and it must have been at least 30 minutes since the last stream ended. I was surprised by that. Or, you can save your AIR MILES to redeem for “Dream Rewards” including flights, admission tickets for events and merchandise. If your mortgage is with RBC, you can claim 12,000 points to get $100 off your principal which is an incredible value when you consider how much you’ll save on interest charges over the remainder of your mortgage. Here are some of the point redemptions it’ll take for you to claim a statement credit. Save $10 at Milestones every time you redeem 1,000 points*. 150 points turns into £1.50 in vouchers - for savings on shopping or with our Reward Partners. I forgot to use my Clubcard the last time I went shopping – how do I add the points to my account? So when I started researching, I realized this article would explode into a massive mess of contradictory offerings if I tried to cover all of the provinces and territories. Depending on if you have a personal or business American Express Card, your points have different values. Spend £1 in M&S = one point; Spend £5 elsewhere = one point; If you’ve chosen the M&S Credit Card Reward Plus offer in your first year you’ll receive: Spend £1 in M&S = two points; Spend £5 elsewhere = one point; After your first year, you’ll receive one point per £1 in M&S. A friend of mine signed up for one but refused to give their name because they thought gathering the marketing data on them would be creepy. You can spend your points at Sainsbury’s in store or online, where 500 points = £2.50. This is half the value compared to if you used your points for travel, but if you’re desperate, you might as well use them as a statement credit since the redemption is the same. However, some universities and colleges use UCAS points in their entry requirements, so you may need to know how many points your qualifications are worth. The offers are not automatically loaded: you have to remember to do so. How Many More Points Do You Need for a £5 voucher? That said, if you do want a gift card, some of the merchants available include: allows you to claim 15,000 points for a $50 statement credit which is handy, but if you want a gift card, things are more complicated than they need to be. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. 15,000 + cash*. 2. 1 Nectar point for every £1 qualifying spend*in store/online 2. What Rewards Do Loblaws, Longo’s, Metro, P.A.T., Sobeys, Starsky, and T&T Offer for Grocery Shopping? Just like fares, reward pricing can vary based on destination, time, day of travel, demand, fare type, point redemption rate, and other factors and is subject to change at any time until the booking is confirmed. What is each Freedom Rewards point worth? Many of these chains also offer short term promotions and rewards. Find Your Tickets; Milestones. With most of the best travel rewards programs, redeeming your points for a gift card or statement credit is one of the worst things you can do since they offer low value compared to travel rewards. However, there’s a trick you can use to get a bit more “cash” value out of your points. UCAS Tariff points are allocated to qualifications generally studied between the ages of 16 to 18. You can not convert any existing Dream Miles into Cash Miles. The minimum redemption is 20 000 points for $20 off your bill. So £5 / 5000 points equals £0.001 per point, which is 1 tenth of 1p. 10,000 + cash*. I … 21.9% APR Representative (variable) It’s no good getting $25 back every 6 months if you spend $50 more than you need to during that same period than you would purchasing the same goods somewhere else. In the meantime, my apologies to those living elsewhere! Redeem now. has a free rewards card. Shoppers receive a 2% discount on all regularly-priced items. Based on my research, and as of September 2014, it looks like Starsky offers the fastest reward. I’m not covering those here either. a. You can not convert any existing Dream Miles into Cash Miles. The best way to earn the Avios points required by the BA Avios Points Calculator With every $25 spent on groceries Monday to Sunday, you will earn 50 points. 2,000 points equal $10; 4,000 points equal $20; in Free Groceries. Assuming you’ve been earning Cash Miles, you can claim 95 Cash Miles for $10 at multiple merchants including: With some of these merchants, you can redeem your Cash Miles instantly in-store when making a purchase. That said, if you do want a gift card, some of the merchants available include: BMO Rewards allows you to claim 15,000 points for a $50 statement credit which is handy, but if you want a gift card, things are more complicated than they need to be. You can claim 3,125 points for a $25 prepaid American Express Card which gives you a value of .08 cents per point which is .01 higher than the statement credit option. After all (thirty years ago anyway) in Calgary you could buy potato chips in boxes and strawberries in bulk but in eastern Ontario you had to buy chips in bags and a collection of strawberries that contained ripe perfect, unripe and bruised fruit all jammed into one plastic container. You earn 50 Thank Your Rewards points for every $25 you spend per week at Longo’s. Simply pick-up a THANK YOU REWARDS card at any Longo’s location, 4 points. The Thank You Reward points can be redeemed for cash off your next purchase. , redeeming your points for a gift card or statement credit is one of the worst things you can do since they offer low value compared to travel rewards. The 11 Best Ways to Redeem Lufthansa Miles & More. Items that are on sale do not qualify for the discount. Generally speaking (and depending on the program), using your points for anything besides travel will devalue your points by 20-30% which is why I don’t recommend this strategy. Assuming you’ve been earning Cash Miles, you can claim 95 Cash Miles for $10 at multiple merchants including: is quite flexible since you can use your points for gift cards or as a statement credit. Is there a different grocery chain near you that offers rewards to customers? 0 points. Penticton, Canada. Your email address will not be published. cards earn you MR-S points, the statement credit options fall under consumer and small business respectively. You just swipe your card to save money immediately. This can really boost point accumulating and then redeem for free groceries or at Shoppers. Starsky has a free Starsky Loyalty rewards card that offers instant savings. about: Longo’s Thank You Rewards cards are available at all participating Longo’s locations. If you collect RBC Rewards, you can redeem your points for gift cards or a statement credit. You can earn: 1. Examples to Clarify the More Card Reward Points Worth. When you make your purchase you earn points. I’ve seen various contests at T&T where based on the total amount you spend, you get more tickets to enter in the draws. Representative 19.9% APR variable. JoLeen2. When you redeem points for gift cards or a statement credit, you won’t get the maximum value for them, but if you’re facing a cash crunch, it’s a good solution. Redeem SCENE Points at Milestones! You can book to any worldwide destination, where there’s availability, with British Airways and our oneworld® partners.. You pay with your Avios plus a cash amount for taxes, fees and carrier charges. Generally speaking (and depending on the program), using your points for anything besides travel will devalue your points by 20-30% which is why I don’t recommend this strategy. Frankly, this sounds like a bit of a pain to me. In September 2014, you get 1 point for every whole dollar spent (before taxes.) If you’re an M&S Premium Club customer you’ll earn an additional 2 points for each £1 spent in M&S (total of 3 points). You can spend your points online at many different partners. 2 Nectar points are worth 1p. 1,400 Monthly points *If you buy something with your card while your abroad, you’ll pay one single, non-sterling purchase fee of 2.99% every time you use it. The more points you claim, the larger statement credit you’ll get, but it’ll also cost you fewer points compared to the lowest redemption value. They sell the best brand of pork Grand-Peres, though, so that’s a pretty big reward in itself! How to Earn Points With Branded Surveys. Or feel free to comment on whether you take advantage of any of the rewards described in this list! How many points per dollar does it cost to redeem for a ticket? For example. I remember when the Dominion stores first brought in AIR MILES cards. 3200 points will get you $25 off your bill so 1 point is worth about 0.78 of a cent. You need 5000 More Points to get a £5 More Voucher. you can also have all of your points converted to Aeroplan miles, if you want. Cash out your points now so you can buy some time. If you want to use your points for a gift card, the partners you have available include: All of the gift cards require the following number of points to make a redemption: Another great feature of American Express Membership Rewards is that you can use your points as a statement credit. You’ll need to spend your points in 500 point/£2.50 increments (unless your points cover the entire purchase price and the total falls below the maximum points threshold). I guess that we will find out when going there. It is advertised that every 2,000 points is worth €40. That one is really difficult to determine. P.A.T. And to be honest, I also don’t know the names of all of the common and popular grocery chains in various places. From time to time we may introduce Nectar trials when the number o… I’m still trying to check the details on how or whether you redeem points. The main purpose of the UCAS Tariff is for universities to report data to government bodies. Many disgruntled shoppers have said they have saved up their points all year to go towards their Christmas shop only to find, at the till, that the points are nowhere to be found. Keep taking surveys until you reach the minimum withdrawal threshold to gain access to amazing survey payouts. Find out more in our frequently asked questions page. In this case, using your points to pay for your bills or expenses is an excellent idea, but is it easy to do? Because several stores offer “bonus” points on various goods they sell, the highest reward may vary depending on what you like to purchase and how often. Terms and conditions. You can redeem Points for free Groceries. The minimum redemption is 20 000 points for $20 off your bill. Destination Expert. For example in 2014, Sobeys has a program for collecting points towards discounts on Jamie Oliver merchandise. To make it easier to plan your next trip, we have a tool that gives you the likely range of points needed for the flight you want. When you redeem your Shore Points, they will be applied to the lowest-priced menu item you order in the applicable point category. The points can be redeemed to get $ off your next bill. Note that although the. When using your points for gift cards, most of the redemptions will cost you 14,000 points for a $100 gift card. Some of the available merchants where you can redeem points for gift cards include: , it’ll cost you 400 points for $1 in gift cards or statement credits. How to Transfer Money from Your BMO Bank Account Into Your InvestorLine Non-Registered Investment Account, How to Contribute Cash to a BMO InvestorLIne TFSA from a BMO Bank Account, How to Redeem Your IHG Points Before They Expire If You Do Not Have Many. Taking nutrition. If you want to use your points for a gift card, the partners you have available include: With the consumer cards, your points are worth 30% less when redeeming a statement credit compared to if you had used it for travel. 15,528 posts. Save up for a big item, spend your points on smaller rewards along the way – however you want to redeem your points, we’re with you. You have to load the offers and then buy those items at the store. The number of Points displayed above are the minimum number of Points required on the most direct routes. RBC Rewards has more than 100 partners, but some of the more popular ones include: collectors, most gift cards will cost you 13,400 points for a $100 gift card. For Scotia Rewards collectors, most gift cards will cost you 13,400 points for a $100 gift card. I still won’t buy bagels or facial tissues unless they are cyclically at the lowest price, even if I could earn a zillion points. They give you a cash discount off your bill immediately. You can claim 3,125 points for a $25 prepaid American Express Card which gives you a value of .08 cents per point which is .01 higher than the statement credit option. If you do not know how many points you have, the cashier can look it up for you. Level Contributor . , you can redeem your points for gift cards or a statement credit. 3000 Nectar Points are … For example, if you order two mini size subs and want to redeem 48 points, your Shore Points will be applied to the lowest-priced mini size sub in your order. You will be sent personalized offers to earn points. Make plans with our Points Predictor Tool TM. If you want to redeem AIR MILES for gift cards, you need to be collecting AIR MILES Cash Miles. b. It appears that what Loblaws now offers is a PC Plus Program. I was looking to make a points redemption for a stay in the UK. Every merchant has a different redemption value, but it’ll cost you between 17,500 and 20,300 points to get a $100 gift card at merchants including: which also allows you to redeem points for gift cards or a statement credit. With the consumer cards, your points are worth 30% less when redeeming a statement credit compared to if you had used it for travel. 725 points will get you $5 off your bill so 1 point is worth about 0.69 of a cent. Watch Shoppers for 20x points Events and Redemption bonus events. XBOX® Party On The Big Screen. Access helpful information, such as store & petrol filling station finder, recipes & our blog. No collecting or redeeming points. You may not be able to travel for a variety of reasons, but the most common reason is cost. Viewers receive points for returning for 3 consecutive streams. Every merchant has a different redemption value, but it’ll cost you between 17,500 and 20,300 points to get a $100 gift card at merchants including: Finally, of all the bank travel rewards programs, there’s CIBC Rewards which also allows you to redeem points for gift cards or a statement credit. Just select Redeem and follow the steps. Argh! The deal is as simple as it gets. This is a free card or a free app. Not including the effect that bonus points might have on your shopping, and assuming everything you need to buy at Starsky is not on sale, four of the grocery stores rank like this: But then you also have to check on the total cost of your usual grocery purchases at each store. The grocery stores probably don’t like shoppers like me very much. With 20 points you can get a 621ml drink, and 30 points is worth a bottled beverage or a Seattle's Best coffee. Aeroplan is one of the largest airline loyalty programs in the world and they have many partners where you can redeem Aeroplan miles for gift cards including: Every merchant has a different number of miles required to make a redemption but they mainly breakdown to the following: Interestingly enough, Costco gift cards are of good value since it only takes 13,500 Miles to claim $100. Enjoy rewards. Lufthansa is a member of the Star Alliance, and the airline also partners with airlines that are not affiliated with an alliance.What does this mean? If you’re facing cash flow problems, travelling is going to be a low priority for you. You must redeem points in groups of 10 000 if you redeem more than 20 000. Nectar points are calculated on your transaction total, that’s after any discounts 4. Terms and conditions. You receive a £16.50 discount on your Virgin Holidays package for every 3,000 Virgin Points you spend. Find out more about spending Nectar points online. For example. e. Needs supervision or assistance to either prepare or cook a simple meal. Spend your points at Sainsbury’s. 250 Nectar points are worth £1.25. Instead it accepts a free AIR MILES Collector Card. But if you don’t spend that $3 till Monday, you’ll only get 50 points. Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. This is half the value compared to if you used your points for travel, but if you’re desperate, you might as well use them as a statement credit since the redemption is the same. 2 points d. Needs prompting to be able to either prepare or cook a simple meal. Note that PC Optimum came to Loblaws from their Shoppers Drug Mart acquisition. 2 points. Get vouchers. 8 points. Why do you remove accounts if no points are collected for two years? RBC Rewards has more than 100 partners, but some of the more popular ones include: For those who prefer a statement credit, it’ll cost you 17,200 points for a $100 credit which is a lower value than getting a gift card. With the others, you would get an eVoucher which you could show in-store or online to get your discount. So, for example, if you spend $48 on a Wednesday and $3 on Thursday, you will get 100 points. My friend can view the points detail for every transaction they make, but I can only view my points summary. Redeem SCENE Points on Live Event Tickets. I should have realized that grocery stores do things differently across Canada. As I unloaded the groceries at home, I began to wonder what each of the chains in my vicinity had to offer grocery shoppers. As in, you’re really in jeopardy of going into debt soon or missing payments? 1 Nectar point for every litre of fuel purchased in Sainsbury’s fuel stations 3. How to Collect Rewards. If you enroll, you will probably get offered special AIR MILES coupons customized for your Metro store. Get started, sign in to Argos I guess Costco is offering the deals that best suit your buying needs; for us, I get better value at other stores than Costco. I don’t know whether they ever got any rewards, though! You can enroll in the AIR MILES Cash program. You can spend from 500 (£2.50) to a maximum of 40,000 (£200) Nectar points in one transaction. 1000 Nectar Points are worth £5.00. Some of the available merchants where you can redeem points for gift cards include: When it comes to statement credits, Scotia Rewards has a sliding scale. There’s no point in holding onto your points or miles if you’ve lost your job and your emergency fund is quickly being drained. As with many other stores, you can earn “bonus” points by purchasing various products. 2,250 POINTS = $15 OFF. Browse the Redeem page anytime you’re feeling spendy. Marriott Bonvoy is the best hotel loyalty program in Canada, but if you want to redeem your points for gift cards, it appears that you can only get them with US merchants including: It’ll cost you 30,000 Marriott Bonvoy points for a $100 USD gift card. Visit a Milestones; Cineplex. I haven’t seen any type of loyalty card program yet though. (Long term readers may remember that, when this offer launched 18 months ago, it offered £18 per 3,000 points. We would ordinarily value Avios at 1p per point so if you were to redeem for Gran Canaria at 1.4p you’d be doing well! Redeem your points at a participating Subway location. Thank you for your replay. 100 Nectar points are worth 50p. Required fields are marked *. Gran Canaria, which required the least number of Avios per mile flown, also shows good Avios value at between 1.4p and 1.6p. I met one person shopping at Sobeys who saves their points all year to pay for their extra Christmas groceries. If you prefer flexibility, you can claim 11,500 Miles for a $75 gift card which is a slightly lower value than if you had redeemed a gift card at a specific merchant. The dashboard also displays a countdown that tells you how many points you have left until you’re able to redeem them for a reward. The more you shop, the more Points you will earn. Rewards start from as little as 1,750 points for a voucher. How to Sign up for Online e Banking at CIBC. You can pick up a card at any Longo’s location or contact Guest Care to have one mailed to you. Now, what if your finances are really taking a hit right now? Points + Cash award nights cannot be combined with other discounts. You must redeem points in groups of 10 000 if you redeem more than 20 000. We’ll track your point progress, so you can keep earning and spending without counting on your fingers. If you have a mortgage with CIBC, using 12,000 points will reduce your mortgage by $100 which could be a good value in the long run when you consider the interest paid over your amortization period. You can use the AIR MILES a few ways, including. for gift cards, you need to be collecting AIR MILES Cash Miles. Can take nutrition unaided. Where Should I Buy My RRSP GICs in My Brokerage Account or At a Bank or Credit Union? 2000 Nectar Points are worth £10.00. You can’t redeem 25 000 points, for example. They also offer bonus AIR MILES on certain purchases. Sobeys has a free points card called Club Sobeys that is swiped when you buy your items. Longo’s; McDonald’s; For those who prefer a statement credit, it’ll cost you 17,200 points for a $100 credit which is a lower value than getting a gift card. View your points balance and transaction history to check your points earnings.