Hey Ricky, please add the compare button on the website. Thank you

Amex cobalt (5x points eating out and food deliveries) RBC ION+ (x3 points Groceries at loblaws, gas at petro canada -3 cents off. Streaming services. Transfer premium points to Elite points, transfer points to transfer partners same as amex to pool points) RBC Avion Infinite Visa (travel, vip banking to waive $120 annual fee.) Rogers World Elite Mastercard (rogers and shaw bill, costco 2% back, 3% on foreign transaction fees, put earned cashback towards any annual fees) What do you think about this credit card portfolio for a family of four that does a lot of groceries and food deliveries that plans to travel 1-2 times a year on points. What would you change?

Love the video. Very helpful. Cutting down the music volume would help big time tho.

for candians is it the cobalt and the td aeroplan card ?

False information

No frills has taken visa for quite some time

Air Canada has gone downhill the points used to be pretty good now they are ridiculous. It used to be 12,000 to go to Toronto to Halifax now it’s 25,000. How does that make sense, on my card program finishes up I will be cancelling

Very helpful and informative video, thank you so much!!!!!!

You are a wonderful helper , and I appreciate your love, kindness, support, and generosity. Thank you for always being there for me when I need you! I just got my new apartment in Michigan Prevywebaid

You are a wonderful helper , and I appreciate your love, kindness, support, and generosity. Thank you for always being there for me when I need you! I just got my new apartment in Michigan Prevywebaid

Ion plus, 3x points transfered to avion, wait for AVIOS bonus 2 times a year = 4x avios.

I'm your customer

Is it normal for a travel points program to not allow its use outside of the home country? Scene+ points cannot be redeemed while abroad. To sign into your Scene+ account, it requires multifactor authentication through text or call to the phone number on file. I spoke with an agent for Scene+ through online chat, they confirmed that redemption of points is not possible when travelling abroad because of text or call verification to sign in. So if you are going on an extended trip or you are changing your itinerary during the trip, you cannot make use of the Scene Expedia portal while in another country. You would just have to pay for whatever hotel/flight/car rental and use your Scene points after you return to Canada to offset your payment.

feels like a low key advertisement for scotiabank lol

Air Miles Loosing Metro 21 July 2024

Sadly impossible in Australia as CostCo don't accept AMEX and Visa is a sick joke when it comes to points and rewards.

Hi Ricky, I already have the Scotiabank Momentum Visa card for Chexy rents and I just applied for the Scotiabank Visa Infinite for travels but Scotiabank policies say I cannot get welcome bonuses for Scotiabank Visa Infinite as I already have a Scotiabank credit card. What's the workaround for this?

Finally - after being either 50k or 75k for the past 10 / 12 years - and paying $599 year for a premium Visa Aeroplan Credit Card I have learned more about e upgrades than all the conversations I’ve had with AC agents! Until I retired the majority of my international travel was paid by the corporation I was an executive of. And what personal flights I was simply too lazy to figure out how to fly at lower price. Now as a retired person I have the time and interest to use the nearly million areoplan points and the 125 e upgrades I have. I just booked a return Vancouver- Sydney Australia departing Jan 25. 2025. Using points and e credits was so confusing and my calls with Aeroplan were long and confusing. Finally it turns out that the majority of my e credits expire on Jan 16 - 9 days from my flights! I wish I had starting watching these videos prior to getting started. I also question whether my long term loyalty to AC and the credit card I hold with TD is worth it.

Do a video on how to get a business card as a sole proprietor please!!

How do you find the buddy pass?

some cards now charge 2.9% forex fees now

Does the Scotia Passport Infinite give you extra Scene+ points while abroad or just in Canada?

HSBC was really the last best travel card in Canada. The only thing that comes close to that is the Scotiabank Passport VISA.

I use my Amex Cobalt in the U.S. for groceries and restaurants. Yes I pay the 2.5% exchange but also get the 5X on points. Convert to Aeroplan and I'm still way ahead.

I've had the scotia visa passport for 5+ years now, its my main card due to living abroad.

Just a question, does anyone know what exchange rate credit card companies use? even with no fx fees i wondered what the exchange is

While all this sounds good, travellers need to be reminded that when making purchase abroad, if the credit card terminal asks if they want to pay in local currency or in Canadian Dollars (CAD), ALWAYS choose local currency! If you choose "CAD or Canadian Dollars", it is likely that the merchant is participating in Dynamic Currency Conversion or DCC which allows the local credit card processor/bank to apply a rather high mark up on the exchange rate and split it with the merchant for slightly lower merchant fees. Perhaps Ricky should do a supplemental video on DCC?

Pour one out for the HSBC World Elite

The WealthSimple Mastercard debit has no FX fee, no annual fee, no cash advance fee, and give 1% cash back even out of the country. Pretty strong card for travelling

I also wanted to add if you're a Scotia bank customer or want to be, you can get the 30$ per month Ultimate Package. The 30$ monthly fee of that package gets waived if you dump 6k$ in your checking account and let it be. The ultimate package waives the yearly fee of the Visa Infinite and Gold amex after the free year and gives extra perks like free checks and free safety deposit box, details are on the bank's web site.

Wealthsimple Cash Card (Mastercard): no annual fee, no transaction, 1% cashback for all purchases, and 4% interest on your account balance.

I got the Amazon Prime CC for no FX fee cc plus no annual fee. 😅

This where the loss of the HSBC Mastercard really sucks. Talk to RBC to get their act together and offer a card that was as good as HSBC

I just got the Passport Card, do i have to apply for a Dragon Pass? or do i get access just from showing the card

I’d like a video covering how to apply for business credit cards for those who are small business owners. Even if the business isn’t necessarily making profits yet. Can the annual fee of business credit cards or even personal cards be included in tax filing?

Would be great to have some Canadien Business videos in the future. Thanks

No mention of the Wize card.

good thing you didn't mention brim mastercards. i applied last february and in the middle of my japan trip, they announced that they would remove the no foreign transaction fee good thing i was able to utilize it even to my seattle flight. the card is just sitting there doing nothing... well, not nothing. i put a $1 patreon to someone per month to keep it alive for credit utilization

Best NO FX FEE Card for home earning rates: bit.ly/4bcRzJ9 Best NO FX FEE Card for elevating your travels: bit.ly/45BYTNe

The 2.5% foreign conversion fee is just a cash grab!

Well the flight is not the main part of the trip

Ricky, have you ever encountered a bed bug in a hotel? What would you do? We went to the manager with the bug on a tissue square in a ziplock bag. This was on the second evening! We got an instant suite upgrade down the hall which wasn’t very comforting. We had stayed in this nice hotel in Kuala Lumpur for around 20 nights over the last 3 visits. We have never stayed there again. And no we didn’t see any bedbugs afterwards in our room or suitcases for the duration of our trip.

Pioneer gas stations takes aeroplan. Quite surprised you guys didnt get that in the video.

This is exactly the video on e-upgrade I was looking for. (I felt I have lost a million of chances of upgrading my flight to business class after watching this)😂

Team Aspire

This guy is the definition of low cunning. You are not clever, you're just an asshole

Can you explain how you're able to gain so many points to fly like this? You must be a business owner? The average Joe will never be able to earn the amount of points required to fly the way you do.

For those canadians who get american cards, do you spend only in USD/US or do you take the exchange rate hit and spend it in canada?

Excellent information