2014年1月27日，加拿大ZenBanx银行开始营业，加拿大总部在Toronto。ZenBanx加拿大的创始人是Arkadi Kuhlmann, 曾是ING Direct Canada的创始人和CEO。ZenBanx美国是在2012年创立的。ZenBanx是一种新型的银行形式，有些类似网上银行，他们自称“Golbal Mobile Banking”。客户主要通过智能手机上的APP来进行账户操作。
不过让聚沙惊讶的是，这是一张2014年的Pass，过期时间是2015年2月28日（我一开始以为看错了。。。）。TD银行，I 服了 U. 聚沙实在最近没计划坐加航的飞机啊。 Anyway，聚沙决定把这张Pass分享给有需要的朋友（该Pass是不记名的，使用该Guest Pass，并不需要持有TD的信用卡），也算回馈大家对加国理财网的支持。这是本网站第一次的Giveaway活动，以后也会不定期的举行类似活动。 本着公平，公正，公开的原则，本次活动规则如下： 1. 如果你在2月28日前，有计划乘坐加航飞机（必须是Aeroplan换的里程票，长途，需要转机，且转机的机场有Maple Leaf Lounge）的朋友，请在本帖下方评论区回复。每人仅可回复一次。匿名回复不算。 2. 你必须有一个有效的加拿大收信地址。活动结束后，Pass会通过平信的方式，由Canada Post寄出。我会说明谁得到了Pass，请这位朋友把你的地址通过email告诉本人。 3. 因为2月28日过期，所以本活动的截止时间是1月30日。 4. 要求比较严，时间比较短，我估计符合这个标准的朋友不会太多。如果有多个朋友符合条件并回复，本网站会通过抽奖方式来选取。按先后顺序，然后通过Lotto Max的1月30日中奖号码里面的bonus号，选择中奖的朋友。如果没有符合的话，第一个回复的朋友，可以得到此Pass。 5. 如果1月30日活动结束时，没有中奖的朋友，该活动会顺延至2月10日。在那期间，第一个回复的朋友，可以得到该Pass。 6. 本活动的最终解释权归加国理财网。
注意：
1. This pass is valid in conjunction with a confirmed same-day departing Aeroplan ClassicFlight or Market Fare flight reward ticket for a scheduled flight operated by Air Canada, Air Canada Express or Air Canada rouge.
2. Valid at any Air Canada Maple Leaf Lounge. Not valid for entry into the Air Canada Arrivals Lounge at London-Heathrow, Star Alliance airport lounges or affilated lounges operated by other carriers.
3. A maximum of one Maple Leaf Lounge visit for one person is permitted with this pass.
4. The pass cannot be sold, is not replaceable if lost or stolen and is not redeemable for cash or other consideration.
聚沙本人更喜欢Tangerine一些。但是当你在考虑从这2者中挑1家的时候，为什么不2者都申请呢（现在可以一共拿up to $270的bonus）？聚沙本人目前就既有PC也有Tangerine的账户(PC拿免费的支票；Tangerine使用免费的Email Transfer)，感觉挺好的。聚沙曾经考虑过只用网上银行账户，取消其他五大银行的账户，不过发现实在还是有难度啊。。。
但很多人可以不知道，CAA还有相关的信用卡，可以用来累计CAA Dollars：CAA Rewards MasterCard。该信用卡是Bridgewater Bank（没听过这个银行？不用担心，TA也是CDIC成员）发行的，无年费，卡上一般花费得1%回报，在preferred gas partners处加油可以得2%回报（Preferred fuel partners include all Husky Mohawk locations in British Columbia, Alberta, Saskatchewan, Manitoba and Ontario. In Atlantic Canada all gas retailers are included），此外在那些gas partners处洗车和买东西可以有3%回报。
CAA Rewards MasterCard还包含以下保险（作为一张无年费卡来说，就算不错了）：
Purchase Assurance & Extended Warranty
Baggage Delay
Trip Interruption
Car Rental Collision/Damage Waiver
Common Carrier Travel Accident Insurance & Rental Car Accident Insurance
去年12月17日，chriscabob在网上发了个帖子，说他的Capital One Aspire Travel卡上多了一个$387.5 "Miscellaneous Fee Adjustment". 可能原因是当你出国旅行前设了Travel Notification，Capital One Aspire Travel会refund 2.5%的Foreign exchange fee. 转发帖子内容如下：“FYI this card just got more awesome... got a random $387.50 dollar "MISCELLANEOUS FEE ADJUSTMENT" called in and had to get escalated to a higher level. Turns out if you set your travel notifications when out of country the system is now automatically refunding you for the foreign transaction fees when you had the travel notification set and used your credit card. The Rep said all affected will see the credit and should have received notification via mail prior to the credit, will scan the mail when received. The $387.50 the rep said was the result of all applicable transactions to date, but couldn't say if this meant the foreign fee was going away next year or if this was how it would work going forward where you have to make sure you set travel notifications. She did mention it helped identify fraud and cut down on time calling users who didn't set their travel notification” 此消息一出，大家都很激动，怀疑Capital One是否会在2015年取消FX费。Capital One在美国的信用卡都是不收FX费的。所以大家的期待也是可以理解的。本人（聚沙塔主）就在当日马上申请了一张Capital One Aspire Travel信用卡。 今天chriscabob在网上share了他从Capital One收到的信，如下图：
我因此而失望吗？-- NO. 当GCR取消给Capital One Aspire Travel申请的$75 bonus时，我等于被另一块小馅饼砸到了（赶上了最后1批拿到$75 bonus的末班车了）。我们永远不知道天上那块云彩有雨，唯一能做的就是时刻准备着。现在就等着看Capital One是否会取消这张信用卡了。To be grandfathered, or not to be grandfathered, that is the question.
1. It's simply because this card is much better than all other cards on the market, just like the last card they discontinued. They must have realized they had no incentive to offer more if the competition was so bad.
2. Seriously!? This is the best card to get a guaranteed 2% back on all your purchases. It can't go away. Or is that the problem. It's too good.
3. Yeah seriously, considering it was already one of the best cards, I doubt they're making it better. Will most likely annoy a lot of consumers.
- Always know where you're going: Turn-by-turn drive and walk voice guidance, even without an Internet connection. - Maps that always work: Interactive maps of more than 100 countries that you can download, save and use offline. - Choose the fastest way: Public transport maps, directions and information for more than 800 cities in more than 40 countries. - Avoid delays: Real-time traffic and road closure information for more than 40 countries. - Plan trips before you go: Personalise maps on your phone or here.com and store all the places you'd like see when you get there. - Meet up easily with friends: Glympse lets you share your travel progress and arrival time by text or email.
