/** * Deprecated Functions of Astra Theme. * * @package Astra * @link https://wpastra.com/ * @since Astra 1.0.23 */ if ( ! defined( 'ABSPATH' ) ) { exit; } /** * Deprecating footer_menu_static_css function. * * Footer menu specific static CSS function. * * @since 3.7.4 * @deprecated footer_menu_static_css() Use astra_footer_menu_static_css() * @see astra_footer_menu_static_css() * * @return string Parsed CSS */ function footer_menu_static_css() { _deprecated_function( __FUNCTION__, '3.7.4', 'astra_footer_menu_static_css()' ); return astra_footer_menu_static_css(); } /** * Deprecating is_support_footer_widget_right_margin function. * * Backward managing function based on flag - 'support-footer-widget-right-margin' which fixes right margin issue in builder widgets. * * @since 3.7.4 * @deprecated is_support_footer_widget_right_margin() Use astra_support_footer_widget_right_margin() * @see astra_support_footer_widget_right_margin() * * @return bool true|false */ function is_support_footer_widget_right_margin() { _deprecated_function( __FUNCTION__, '3.7.4', 'astra_support_footer_widget_right_margin()' ); return astra_support_footer_widget_right_margin(); } /** * Deprecating prepare_button_defaults function. * * Default configurations for builder button components. * * @since 3.7.4 * @deprecated prepare_button_defaults() Use astra_prepare_button_defaults() * @param array $defaults Button default configs. * @param string $index builder button component index. * @see astra_prepare_button_defaults() * * @return array */ function prepare_button_defaults( $defaults, $index ) { _deprecated_function( __FUNCTION__, '3.7.4', 'astra_prepare_button_defaults()' ); return astra_prepare_button_defaults( $defaults, absint( $index ) ); } /** * Deprecating prepare_html_defaults function. * * Default configurations for builder HTML components. * * @since 3.7.4 * @deprecated prepare_html_defaults() Use astra_prepare_html_defaults() * @param array $defaults HTML default configs. * @param string $index builder HTML component index. * @see astra_prepare_html_defaults() * * @return array */ function prepare_html_defaults( $defaults, $index ) { _deprecated_function( __FUNCTION__, '3.7.4', 'astra_prepare_html_defaults()' ); return astra_prepare_html_defaults( $defaults, absint( $index ) ); } /** * Deprecating prepare_social_icon_defaults function. * * Default configurations for builder Social Icon components. * * @since 3.7.4 * @deprecated prepare_social_icon_defaults() Use astra_prepare_social_icon_defaults() * @param array $defaults Social Icon default configs. * @param string $index builder Social Icon component index. * @see astra_prepare_social_icon_defaults() * * @return array */ function prepare_social_icon_defaults( $defaults, $index ) { _deprecated_function( __FUNCTION__, '3.7.4', 'astra_prepare_social_icon_defaults()' ); return astra_prepare_social_icon_defaults( $defaults, absint( $index ) ); } /** * Deprecating prepare_widget_defaults function. * * Default configurations for builder Widget components. * * @since 3.7.4 * @deprecated prepare_widget_defaults() Use astra_prepare_widget_defaults() * @param array $defaults Widget default configs. * @param string $index builder Widget component index. * @see astra_prepare_widget_defaults() * * @return array */ function prepare_widget_defaults( $defaults, $index ) { _deprecated_function( __FUNCTION__, '3.7.4', 'astra_prepare_widget_defaults()' ); return astra_prepare_widget_defaults( $defaults, absint( $index ) ); } /** * Deprecating prepare_menu_defaults function. * * Default configurations for builder Menu components. * * @since 3.7.4 * @deprecated prepare_menu_defaults() Use astra_prepare_menu_defaults() * @param array $defaults Menu default configs. * @param string $index builder Menu component index. * @see astra_prepare_menu_defaults() * * @return array */ function prepare_menu_defaults( $defaults, $index ) { _deprecated_function( __FUNCTION__, '3.7.4', 'astra_prepare_menu_defaults()' ); return astra_prepare_menu_defaults( $defaults, absint( $index ) ); } /** * Deprecating prepare_divider_defaults function. * * Default configurations for builder Divider components. * * @since 3.7.4 * @deprecated prepare_divider_defaults() Use astra_prepare_divider_defaults() * @param array $defaults Divider default configs. * @param string $index builder Divider component index. * @see astra_prepare_divider_defaults() * * @return array */ function prepare_divider_defaults( $defaults, $index ) { _deprecated_function( __FUNCTION__, '3.7.4', 'astra_prepare_divider_defaults()' ); return astra_prepare_divider_defaults( $defaults, absint( $index ) ); } /** * Deprecating is_astra_pagination_enabled function. * * Checking if Astra's pagination enabled. * * @since 3.7.4 * @deprecated is_astra_pagination_enabled() Use astra_check_pagination_enabled() * @see astra_check_pagination_enabled() * * @return bool true|false */ function is_astra_pagination_enabled() { _deprecated_function( __FUNCTION__, '3.7.4', 'astra_check_pagination_enabled()' ); return astra_check_pagination_enabled(); } /** * Deprecating is_current_post_comment_enabled function. * * Checking if current post's comment enabled and comment section is open. * * @since 3.7.4 * @deprecated is_current_post_comment_enabled() Use astra_check_current_post_comment_enabled() * @see astra_check_current_post_comment_enabled() * * @return bool true|false */ function is_current_post_comment_enabled() { _deprecated_function( __FUNCTION__, '3.7.4', 'astra_check_current_post_comment_enabled()' ); return astra_check_current_post_comment_enabled(); } /** * Deprecating ast_load_preload_local_fonts function. * * Preload Google Fonts - Feature of self-hosting font. * * @since 3.7.4 * @deprecated ast_load_preload_local_fonts() Use astra_load_preload_local_fonts() * @param string $google_font_url Google Font URL generated by customizer config. * @see astra_load_preload_local_fonts() * * @return string */ function ast_load_preload_local_fonts( $google_font_url ) { _deprecated_function( __FUNCTION__, '3.7.4', 'astra_load_preload_local_fonts()' ); return astra_load_preload_local_fonts( $google_font_url ); } /** * Deprecating ast_get_webfont_url function. * * Getting webfont based Google font URL. * * @since 3.7.4 * @deprecated ast_get_webfont_url() Use astra_get_webfont_url() * @param string $google_font_url Google Font URL generated by customizer config. * @see astra_get_webfont_url() * * @return string */ function ast_get_webfont_url( $google_font_url ) { _deprecated_function( __FUNCTION__, '3.7.4', 'astra_get_webfont_url()' ); return astra_get_webfont_url( $google_font_url ); } How Canadian Credit Unions Stack Up in Bonus Offers: A Deep Dive – Vericonn

How Canadian Credit Unions Stack Up in Bonus Offers: A Deep Dive

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In Canada, credit unions offer a unique blend of financial services that often stand out for their competitive bonus structures. Unlike traditional banks, which prioritize profit margins, credit unions are member-owned cooperatives with a strong emphasis on community benefit and fair rewards. For consumers looking to maximize their cashback, sign-up bonuses, and reward programs, the choice of institution can significantly impact long-term savings. This breakdown examines the top credit unions in Canada that deliver the best bonus deals, backed by real data and expert analysis.

One of the most notable trends in recent years is the rise of digital-first credit unions that leverage technology to offer dynamic bonus programs. For instance, spinight best bonus has emerged as a benchmark for how credit unions can attract and retain members through innovative financial incentives. These programs often include tiered rewards based on spending habits, making them particularly appealing to active cardholders. However, not all credit unions are created equal—some offer one-time sign-up bonuses, while others provide ongoing cashback on everyday purchases.

The Best Credit Unions for Sign-Up Bonuses in 2024

When evaluating the best sign-up bonuses, credit unions like BMO’s BMO Advantage Visa® and RBC’s RBC Avion® card have historically led the market. For example, RBC recently introduced a $300 welcome bonus for new cardholders who spend $1,000 within the first three months, a figure that has consistently outperformed competitors. Meanwhile, credit unions such as Desjardins and the Credit Union Central of Canada (CUCO) have also stepped up their game, offering similar incentives to attract younger and more tech-savvy consumers. The key takeaway is that the best bonuses today are not just about one-time rewards but about long-term engagement through seamless digital experiences.

A closer look at the numbers reveals that the average sign-up bonus in Canada now ranges between $200 and $500, depending on the institution and the type of card. For instance, the BMO Advantage Visa® offers a $300 bonus for new customers who spend $1,000 in their first three months, while the CIBC Aura® Visa® provides a $200 bonus for similar spending. Credit unions like Desjardins often match or exceed these figures, particularly for members who commit to higher spending thresholds. This shift reflects a broader industry trend toward rewarding loyalty and spending behavior rather than just onboarding.

Beyond Sign-Ups: Ongoing Rewards and Cashback Programs

While sign-up bonuses are crucial, the real value often lies in the ongoing rewards offered by credit unions. Programs like the Desjardins Reward Card and the RBC Avion® card provide cashback on groceries, gas, and everyday expenses, with some institutions offering up to 3% back on select categories. For example, the Desjardins Reward Card offers 2% back on groceries and 1% on all other purchases, making it particularly attractive to families and households that spend heavily on essentials. Similarly, the BMO Advantage Visa® provides 1% cashback on all purchases, which, when combined with occasional promotions, can add up to significant savings over time.

The rise of digital-first credit unions has also introduced more dynamic bonus structures, such as seasonal promotions and tiered rewards. For instance, some institutions offer bonus miles or points for spending during specific months, encouraging members to adjust their spending habits to maximize benefits. This approach not only benefits members but also aligns with the credit union’s broader goal of fostering financial wellness through personalized incentives. The best credit unions today are those that balance transparency with flexibility, ensuring members understand how and when they can earn rewards.

Key Considerations When Choosing a Credit Union Bonus Plan

  • Look for institutions with transparent bonus structures—avoid those with hidden fees or unclear terms.
  • Evaluate the spending requirements for sign-up bonuses; higher thresholds may require more upfront commitment.
  • Consider ongoing rewards programs that align with your daily spending habits, such as cashback on groceries or gas.
  • Check for promotions or seasonal bonuses that can provide additional value without requiring significant changes to your budget.
  • Review the credit union’s digital experience—user-friendly apps and mobile banking can enhance the rewards-earning process.

For consumers looking to maximize their bonuses, it’s essential to weigh the trade-offs between different credit unions. While some may offer higher sign-up bonuses, others excel in ongoing rewards, making them better suited for long-term financial strategies. The best approach often involves comparing multiple institutions and understanding how their bonus programs fit into your financial goals. For example, a member who spends heavily on groceries may find a credit union with a strong grocery rewards program more beneficial than one with a high sign-up bonus.

The Future of Credit Union Bonuses: What’s Next?

The financial landscape is evolving, and credit unions are adapting by integrating artificial intelligence and data analytics to personalize bonus programs. Some institutions are already testing AI-driven recommendations that suggest optimal spending categories to earn the most rewards. This shift could make bonus structures even more dynamic and member-focused in the coming years. Additionally, as more Canadians prioritize financial wellness, credit unions are expected to continue offering more innovative ways to reward members for their loyalty and engagement.

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