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How to Get Your First Year Free with RBC Visa Infinite Avion

I initially had my first experience with the Royal Bank Visa Infinite Avion a few years back (2011 to 2012 to be precise).  You can read about my RBC Infinite Avion Visa review here.  I was a big fan.  It was easy to use, there were no black out dates, I was able to transfer my points easily to the Airlines Awards and there is a great promotion to transfer your points (and get 50% more points at that) to British Airways Avios a few times a year.  The 15,000 bonus Avion points that are awarded when you make your first purchase becomes 22,500 British Airways Avios points when you convert it.  There really wasn’t much to NOT like.

Unfortunately the RBC Visa Infinite Avion card is so great that it charges an annual fee.  An annual fee of $120 per year.  As many of you probably know, I have an illogical aversion to paying an annual fee.  Unfortunately, I recall that they were pretty strict about the annual fee after the first year (meaning there’s not much you can do to sweet talk the customer service rep into giving you another year for free).

Related: Credit Card Travel Hacking Spree

The great thing is that you get 15,000 RBC Avion points with your first purchase.

How to Get Your First Year Free With RBC Visa Infinite Avion

Royal-Bank-Visa-Infinite-Avion-cardThis works if you are already an RBC customer.  With their banking package, if you have a number of services with them,  you are eligible to receive the first year free of your RBC Visa Infinite Avion.  This is called the “VIP Banking package”

For example if you have:

  • An RBC mortgage
  • An RBC banking account
  • An RBC investing account (you can just even open up a TFSA with them and fund it with $100)

You will be eligible to receive an RBC Visa Infinite Avion first year free.

Here is Another Way to Get your First Year Free With RBC Visa Infinite Avion

Another way to get the first year free with the RBC Visa Infinite Avion if you are not an extensive RBC customer (e.g. if you do not have a mortgage with them, if you do not bank with them, and if you do not invest with them) you can get the first year free if you have an premium Visa card from another credit card issuer.Continue Reading

Lifestyle Inflation Threat: Housekeeper or No Housekeeper?

I must admit, lately I have been thinking about whether or not I should be “keeping up with the Jones“.  Most of my usually frugal friends (they shop at Value Village, are not shopaholics, and are not “Foodies” that spend $50 per person per meal a few times a week) have a housekeeper.  Someone comes every two weeks for about 2-3 hours and cleans their toilets, vacuums their floors, wipes their floors, and even folds their clothes.

Sometimes I am tempted to hire a housekeeper, because I dislike dusting and I dislike mopping the floor (I dislike them so much that I do these tasks less often than I really should) and because I am just so darn busy… I would rather go and do stuff (you know, like enjoy my limited downtime on the weekends)  than spend time getting acquainted with the floor when I clean it.

The Reasons?

Housekeeper or no housekeeperThere are a few reasons why my friends decided to take the housekeeping outsourcing plunge:

One of my frugal friend argues with her husband, who is kind of messy (this is an understatement), regularly before they had a housekeeper.  She would always be picking up after him and they would not be pleased with each other because she did not like picking up after him and they had different values when it comes to cleanliness and hygiene in the home.

Another girlfriend just had a baby and so she does not have time to clean the home, let alone get groceries and cook food.  The housekeeper comes every two weeks too.

Finally, another friend hired a housekeeper (even though she actually enjoys cleaning).

I think that when you have two people that work full-time (or one person in one household that works full-time) it can be very difficult to find time to clean.  After all, there are so many hours in the day, right?

Even Get Rich Slowly admitted that the decision to get a housekeeper was a tough one, it goes against many frugal people’s values I suppose.Continue Reading

TD Aeroplan Visa Infinite Review

I have had a bit of a difficult time getting this card, so first off, it is great that I have this card now and I am able to give a review on it.  Let’s just say my relationship with TD Aeroplan Visa Infinite did not start off with the honeymoon phase… we have had a bit of a rocky relationship from the very start.  I tried to get into a relationship with TD Infinite Aeroplan but they rejected me.  I tried again and now we are dating but it’s been rough.

I think I’m going to give it a few months and then just leave it be.  I don’t see a future with TD Infinite Aeroplan past the one year mark.  Primarily because I will be charged an annual fee after the one year mark.  It’s not TD Aeroplan Infinite Visa’s issue.  It’s mine.  My reluctance to pay an annual fee.

Anyway, here’s how our relationship began:

Attempt Number One all started with my obsession for travel hacking and my desire to get over 100,000 Aeroplan points.  I saw a promotion that there was a first year free promotion and 15,000 Aeroplan points with your first purchase and 10,000 Aeroplan points if you spend $1000 within the first three months.  I tried signing up for this card but I didn’t get much of a response online (so I called the customer service telephone line) and they confirmed that because it wasn’t targeted towards me (e.g. I did not receive it as an email, I found it on a website) I am not eligible to apply for the TD Aeroplan Infinite Visa card.

I was a little disappointed since I had such a great time using the CIBC Aeroplan Infinite Visa card.  Then I got my lucky break (haha)…or so I thought.Continue Reading