Confession: I’ve been a little naughty lately!
Naughty in the “spending money unnecessarily” category, to be exact.
Honestly, I don’t think my spending habits have any particular pattern to them, other than AT TIMES I can get a little excessive, and spend more than I probably should. Maybe it’s seasonal? Maybe it happens in waves? I have no idea.
But the same can be said about making my meals for the week vs. buying lunches. Some weeks I’m really good and beyond diligent… having my meal prep routines down to the T… and other times… not so much. Which inevitably leads me to spend more money on lunches and dinners throughout the week when I probably could have avoided it all in the first place.
Hey, it happens! Okay?!
However, I must say that one of my saving graces when I’ve fallen into this excessive spending habit, is earning points! I am really into collecting points! I like to think that I’m strategic about
my spending because in the back of my mind I know that my points balance is adding up, if that makes sense?
I use my points to visit my family (book travel) throughout the year.
With family living in Canada and in the United States, the cost of travel adds up quickly. Often times my heartmate and I will use our points to book a rental car for the drive down to Montreal, or book flights when we visit the U.S.
So while I may spend a lot at times, I’m rewarded in ways that lets me reconnect with family. Which is pretty amazing when you think about it!
It’s no surprise, I’m sure, that one of my larger expenses is dining and entertainment.
After all, I live in Toronto, a city never devoid of restaurants to visit or things to do.
When HSBC announced they were launching the +Rewards Mastercard where you get 2 points for every $1 on eligible dining and entertainment purchases, I was pretty excited (to say the least)!
It’s a unique credit card. Physically it has an amazing card design with hidden features activated by UV light (blacklight). It’s also HSBC’s credit card with the lowest interest rate of 11.9%. From what I’ve seen, I would say that standard credit card interest rates ballpark around the 19.99%. That’s a big difference!
I like that the card lets you redeem your points your way — like I do for travel, but also for gift cards or financial rewards. Plus, the rewards program offers double points on dining and entertainment.
Learn more about Canada’s most unique credit card, the HSBC +Rewards Mastercard.
Currently there is a limited time offer for new applicants!
- Apply by October 31st and receive a full annual fee rebate ($25) for the Primary Cardholder for the first year plus and earn a Sign Up Bonus of 5,000 Points!
So to earn double the points on food and dining, you may want to check out this new +Rewards Mastercard by HSCB, and learn more about the benefits here!
Nick Joly | Inspired by Nick
Thank you to HSBC for sponsoring this post.
This post was sponsored by HSBC.