Many of Canada’s top credit cards offer out of province emergency travel medical insurance coverage and for some Canadians, it is actually the number one determining factor in choosing a credit card. Despite differences in the amount of coverage, age brackets of coverage and length of coverage, most of the credit emergency travel medical insurance […]
Category: Loyalty Lesson
Loyalty Lesson: How a card with 4.16% cash back can be better than one offering 5%
Quite early in their school careers, kids learn greater than and less than in math class and in the simplest form something like 5 will always be greater than 4. But outside of the simplest form when you take into account additional factors it is possible for 4 to be worth more than 5. And […]
Five amazing flight rewards you can redeem for with really low spend on the American Express Cobalt Card
I find when I read discussions about travel rewards credit cards on forums, blogs and in the media there is talk about how you can get this or that flight for only this many points and so on. But, more often than not those articles or discussions don’t take into account what it actually takes […]
Loyalty Lesson: Why credit card reward charts rarely provide good value for economy class flights to Europe
“Why do I end up having to pay $800, $900 or more on top of my tens of thousands of points for a reward flight to Europe?” That’s a question we receive at least a couple of times per month from visitors to the site in which credit card holders ask why they still have […]
Marriott still uses hotel categories for free night awards – here’s how to find them
It has been nearly two years since Marriott Bonvoy did away with set free night award chart pricing as they made the shift to dynamic pricing for free night awards early in 2022. However, it appears each individual property’s pricing is still governed by what category it falls into in the Marriott Bonvoy program and […]
Loyalty Lesson: Selecting the right Aeroplan flight award option to maximize the value of your points
Earlier this year I appeared on CBC’s Cost of Living program discussing the value of Aeroplan points after a listener reached out to them questioning what a point is worth. This has always been a topic worthy of discussion and one that is extremely subjective as the value of points, primarily those from frequent flyer […]
Loyalty Lesson: When a credit card first checked bag free benefit isn’t free
For nearly a decade now I have heard from hundreds of Canadians that the sole reason they have the WestJet RBC World Elite Mastercard is for the first checked bag free benefit. And rightfully so, that benefit can provide huge savings for individuals, families, infrequent or frequent flyers who check bags when they travel. For […]