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Points Guru Chronicles: Review

If you’re a points guru like me, you’re familiar with the best credit cards rewards programs, and maybe you’ve used’s credit card comparison tool to evaluate the best dollar value return for your spending.

An added bonus comes when you can collect loyalty points on top of your credit card spending. Examples of this would be when you collect Optimum points at Shoppers Drug Mart/Pharmaprix or Air Miles at Shell.

I’m embarrassed given by guru status that it took me this long to discover The site allows you to earn cash back multiples of 1% to 10% (yes, 10%!) from online retailers you might already be buying from. has partnered with almost every retailer that serves Canada, from to Sephora (guess which items were free in the photo above) to Nike (currently the brand at 10% cash back), totalling more than 650 stores.

How does it work?

Simply begin any online shopping by visiting the site first and click “shop now” to be taken to any store’s website. Shop as you normally would and will track your purchase and deposit the cash back you’ve earned into your Ebates account within a few days.

Furthermore, the site also lists the coupons, deals, and promo codes available for its partner retailers. Recently, I made a purchase on Asos (a great website for frugal fashionistas) and earned 2.5% cash back (the cash back offer) plus $30 off my $150 purchase (an Asos promo code listed on

How is my cash back paid out?

Every three months, Ebates sends you a payment for purchases made during the previous quarter. If you’ve earned less than $5.01 cash back, your payment will be carried over to the next quarter.

You can receive your money via cheque or PayPal. Or if you’re feeling particularly generous, you can also opt to direct your payments to a charity, organization, or family member.

What’s in it for them?

Ebates earns a commission from the stores you make a purchase from. They share this commission with you.

How do I sign up? (And get $10!)

Use this link to sign up and get $10 credited to your account.

Now go forth, fellow points gurus, and earn away! Don’t come back until you’ve earned double, triple, or quadruple the points!

Are you a points guru? Share your story in the comments section below.

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