These Killer Combos Will Help You Travel Better
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- Опубликовано: 29 авг 2024
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It's time to get rid of your debit cards and start using credit cards to elevate your travel.
In this video, we are going through Canadian credit card portfolios for every type of traveller, from the ones who spend frequently and want to maximize their points to the family traveller looking to book multiple seats.
Let's dive into all of these killer combinations of credit cards no matter what kind of traveller you are.
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BMO world elite cashback mastercard is also a great cashback card if you shop at no frills or somewhere that only takes mastercard
As Canadians we get shafted with credit cards. The cards in the USA are much better!
Way better
Yeah but except cobalt
True, but Canada is probably in the top 3 countries in the world for credit card points rewards…. US better? Yeah for sure… UK?… Australia?… NZ?… Anywhere else?… Not really a thing. So could be better, but could be non-existent 🤷♂️
@@KyleJess Agree so be grateful!!!
Cobalt is undefeated as a daily driver. For no fx, I go with Scotia Passport and a BMO WE Cashback or Amex SC for cashback. The Desjardins cards are pretty competitive but are not free and they do appear to charge an fx fee. At least the higher cashback can offset the fx fee.
What do you think will happen to the HSBC MC line up after RBC buys them next year ?
Good question. I've been wondering the same thing. I've been thinking about getting this card until I found out about RBC buying HSBC..
@@tammerdau3093 you will most likely be able to transfer the points into ION points which is RBC’s point system. This is the only way you can continue using this transition.
good question.
I'm betting that the card will be discontinued in Canada. But out of principle, HSBC and RBC are financial institutions that I boycott because of their incompetence - HSBC for mismanaging HK's community treasure chest and RBC for constantly messing up simple tasks like a wire transfer.
@@MrAnonymousRandom RBC are just huge sloths.
You can redeem MR points from Cobalt as a statement credit at 1¢/ point or 1000 points for $10. So basically a 5% cashback rate if you mostly spend your money on food.
Valuable information and I’m happy you make videos to help guide us Canadian folk but I wish you would slow it down a bit. It’s hard to follow and really absorb all the information and nuances when you speak so incredibly fast.
to get around the minimum income req just say your dog makes 200k a year on your household income :P
I recommend your channel to my relatives in Canada. Good info!
No mention of the brim world elite card with no fx fee, and 2% back in all (aka other) categories. Annual fee is often waived for multiple years. Plus 4% cash back at Amazon.
The Desjardins Odyssée Visa infinite privilège is the best !
Venny I like the video you make Your hotel breakdown of your fancy hotels in your Opinion was Excellent
Any reasons that the Amex Cobalt + Aeroplan Infinite combo is/is not a good combo?...since you did not mention it
Great video as always
Best video. Sums up everything.
Yahoo. you uploaded perfect viedo-work-
Also FYI the CIBC Aeroplan card comes with the buddy pass too. Covers North American flights including Hawaii
I believe that offer expired some time ago, just points now
@@throtter good point! Didn't think that they had removed it.
Desjardins credit card has a 100$ fee and can give 4% cash back? Did they changed anything?
I know you are not in Quebec, but there are also Desjardins cards with all the similar perks of any World Elite and Infinite Privileges
This is a great video for everyone. We have a lot of spending in travel, food and other areas. I currently hold the scotia visa infinite passport for the fx stuff and the lounge passes (have a scotia account that waives annual fee), amex platinum, amex biz reserve aeroplan (which I may cancel after 1 yr) and the aeroplan amex, and the rbc avion infinite. Not sure this is the best combo so I may do some trimming. Trying to also get the other avion but despite my 820+ credit score, it seems harder than other cards to get (which I always get auto-approval for td, cibc, amex, etc)
Damming 820 score? That's awesome
@@mychannel29 Thanks, I've always been diligent about spending/paying off bills, and there was a year I was working at Transunion so I learnt a lot of things that go into the score, and it was helpful in understanding everything that helps/hurts the score.
Would be interested in seeing the same portfolio but for US cards. 🙂 thanks
Any thoughts on HSBC WEMC when RBC is absorbingHSBC? Cobalt + Marriot + visa/mc is my setup :)
Um what about MBNA World Elite? 5.5% food and drinks including groceries and Walmart SC is nothing to sneeze at and one of my daily drivers.
'Murican traveler here. Holy crap. Canadian rewards are freaking terrible! I'm so sorry. In the US anything that is less than 2x back can gtfo.
Amen!
What is the philosophy of supplementary card for your spouse on cards like that platinum? Is she better to just get her own account so she gets her own welcome bonus, and then we downgrade one of them before the second annual fee?
TD infinite Privilege vs RBC infinite Privilege, which is better?
for the scotia bank don't a lot of places not accept american express ? it usually gets declined
Also wondering about the HSBC WE MC. Currently an RBC client since 2004 but I have no HSBC history. The HSBC WE MC is on my radar, unsure to apply now or wait till RBC buys them out.
I've never seen any foreign transaction fees on my Cobalt or Amex Bonvoy statements. Not mentioned on agreements either... I think... Is the fee buried in the charge?
The exchange rate already includes the 2.5% fx fee
For these cards that don't charge the 2.5% fx fee, do they then charge a higher exchange rate?
Along with the Cobalt card, would you recommend an Aeroplan card, such as the Amex Aeroplan Card, to access preferred pricing on points? I know you talked about an Aeroplan card later on but what’s your opinion on mixing the Cobalt with the Amex Aeroplan?
why would u get another amex?? aim for mastercard or visa
The issue is that HSBC WE is changing its rewards structure, so it will not have 1.5% non-travel purchases.
I'm thinking of getting Amex cobalt to replace it, and have my TD Aeroplan infinite that covers the cracks (Costco MC for 3% dining that doesn't take Amex)
me sitting in the USA googling these card because I never heard of them =)))
lol, to be fair, you guys have 10x the resources like these. We have a few Canadian resources like PoT to rely on :)
Any best Canadian business credit cards?
Can u make a video for US people 😅 thank you
How on earth can you fly all around the world in business class using only the welcome bonus of opening Amex plat plus td aeroplan visa?😂
Transfer bonus + saver awards + stop overs
@@dr1ft3r07 ah yeah stop overs….that I understand, but what’s the first 2?
@@ishukoneds8960 Wait until there is a transfer bonus offer. Usually 20-30% bonus. Saver awards are the lowest cost of points for redeeming an award. It will save you points when redeeming an award seat.
What are saver awards?
Thanks for this video! Is there any Mastercard in Canada that gets you 1% value everywhere that is not “World Elite”?
America! Why did this Canadian appear in my feed?
The cobalt is only 5x food for 1 year
Read up on it boy
I love the video! Become a YT god = Promo>SM!!