{"id":217456,"date":"2022-01-21T09:34:00","date_gmt":"2022-01-21T14:34:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/questions-requests-program-cards\/"},"modified":"2026-05-08T16:43:07","modified_gmt":"2026-05-08T16:43:07","slug":"questions-requests-program-cards","status":"publish","type":"page","link":"https:\/\/mp-2702.milesopedia.dev\/en\/questions-requests-program-cards\/","title":{"rendered":"Frequently Asked Questions about Credit Cards and Rewards Programs"},"content":{"rendered":"\n<p>Every day, <strong>recurring questions<\/strong> about points, programs, credit cards, and other exciting topics reappear in discussion threads on the <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/milesopedia\">Milesopedia Facebook group<\/a>. These are, of course, asked by a new member in the group or by a member who has simply forgotten the answer.<\/p>\n\n\n\n<p>We&#8217;ve <strong>gathered the most popular questions<\/strong><strong>: the ones that keep coming up! <\/strong>So that we can offer you this page instead of repeating the answer.<\/p>\n\n\n\n<p>The beauty of the page is that it will evolve as the popularity of a question grows. This will be crowned by its inclusion in this list.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-practices\">Best practices<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-screenshots\">Screenshots<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_find_a_screenshot_of_a_completed_credit_card_welcome_offer_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I find a screenshot of a completed credit card welcome offer?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Just search the <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/milesopedia\">Milesopedia Facebook group<\/a> for the post about this offer, or use the <a target=\"_blank\" href=\"https:\/\/archive.org\/web\/\">Waybackmachine<\/a> site that serves as a web archive with the credit card page (on the bank&#8217;s website).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-rating\">Credit Rating<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"will_an_additional_credit_card_affect_my_spouse_apos_s_credit_rating_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWill an additional credit card affect my spouse&apos;s credit rating?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No, never.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cancellation\">Cancellation<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"should_a_credit_card_be_downgraded_or_cancelled_before_or_after_the_renewal_date_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tShould a credit card be downgraded or cancelled before or after the renewal date?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>In fact, neither. You can do so during the 11th month or within 30 days of renewal.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"why_not_cancel_a_credit_card_right_after_earning_the_bonuses_and_switch_to_another_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhy not cancel a credit card right after earning the bonuses and switch to another?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Because the lending institutions will not appreciate this gesture. They may identify you as a point hunter and not as a future customer. They may then refuse to give you new ones. Think of these transactions as a business relationship.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-gift-cards\">Gift cards<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"if_i_purchase_a_grocery_gift_card_via_rakuten_paypal_or_another_third-party_site_will_i_receive_the_multiplier_for_the_grocery_category_e_g_cobalt_5x_points_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIf I purchase a grocery gift card via Rakuten\/PayPal\/or another third-party site, will I receive the multiplier for the grocery category (e.g., Cobalt 5x points)?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No. Payment will be made from the third-party website, so generally at 1X the points.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"131976,131614,86318,116403\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-institutions\">Institutions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-american-express\">American Express<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"are_american_express_cards_accepted_in_quebec_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre American Express cards accepted in Quebec?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Of course, and more and more, but a little less than <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/visa\/\">Visa<\/a> and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/mastercard\/\">Mastercard,<\/a> which are accepted everywhere. That is the reason we wrote <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/american-express-cards-acceptance-canada-quebec\/\">this article<\/a>. You should be able to meet the amounts to spend with these instructions.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_one_receive_a_new_bonus_after_having_previously_applied_for_the_same_american_express_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan one receive a new bonus after having previously applied for the same American Express card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>At American Express, it&#8217;s one bonus per card for life. Nothing prevents you from applying for the closed card again one day, but the bonus will not come a second time.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"if_i_already_have_an_american_express_credit_card_am_i_eligible_for_the_welcome_bonuses_of_other_amex_cards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIf I already have an American Express credit card, am I eligible for the welcome bonuses of other AMEX cards?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Of course! In addition, you can have <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/difference-credit-and-charge-cards-american-express\/\">4 credit cards and an unlimited number<\/a> of American Express payment cards at the same time.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"i_already_have_an_american_express_card_can_i_self-refer_to_another_card_or_refer_my_spouse_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tI already have an American Express card: can I self-refer to another card or refer my spouse?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>For self-referral, the practice is not permitted by American Express.<\/p>\n<p>And the financial institution has been monitoring this, especially since 2020. We do not recommend it for spousal sponsorship if you live at the same address. American Express has been cautious in the past with this practice. However, for interested friends, colleagues, or relatives residing at a different address, it&#8217;s a definite YES!<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"207282,207261\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hsbc\">HSBC<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_convert_hsbc_points_to_aeroplan_points_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I convert HSBC points to Aeroplan points?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No, HSBC points cannot be redeemed for Aeroplan points. However, you can convert them into Avios, KrysFlyer or Asia Miles. You can also apply them to your travel expenses to reduce costs.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_use_the_100_annual_credit_offered_by_the_hsbc_world_elite_mastercard_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I use the $100 annual credit offered by the HSBC World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You can use the annual $100 credit on any airline-related purchase: flight ticket purchase, seat selection, baggage fees, airport lounge access, etc. Some have also been able to use this credit on bookings with Expedia. <a target=\"_blank\" href=\"\/?p=170453\">Consult our article on this annual credit here<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"170530,0\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-best-credit-cards\">Best Credit Cards<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_best_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat Is the Best Credit Card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The $100 question. If there were only one, we wouldn&#8217;t waste time talking about the others. Finding the right credit card(s) depends on each person&#8217;s goals &#8211; spending habits &#8211; income, etc. Milesopedia recommends reading the beginner&#8217;s guide or listening to the videos to determine THE right card(s) for you.<\/p>\n<p>A <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare\/credit-cards\/\">credit card comparison<\/a> tool is here to help you, as well as a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/\">selection of the best credit card offers<\/a> of the moment.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"are_there_any_student_credit_cards_that_offer_a_welcome_bonus_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre there any student credit cards that offer a welcome bonus?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Of course! Just visit our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare\/credit-cards\/\">credit card comparison<\/a> tool. Or you can check out our page on the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/students\/\">best student credit card offers<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"are_there_any_good_credit_cards_with_no_annual_fee_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre there any good credit cards with no annual fee?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Of course! You can find out about them in our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare\/credit-cards\/\">credit card comparison<\/a>. Or you can check out our page of the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/no-fee\/\">best no annual fee credit card offers<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"are_there_credit_cards_with_no_conversion_fees_for_foreign_currency_transactions_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre there credit cards with no conversion fees for foreign currency transactions?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>There are a few credit card options with <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/best-no-foreign-transaction-fees-cards\/\">no conversion fees<\/a> for foreign currency transactions.<\/p>\n<p>You can find out about them in our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare\/credit-cards\/\">credit card comparison<\/a>. Or you can check out our page on the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/forex\/\">best credit card offers with no conversion fees<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"207228,207265,207463,207264\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-points-and-bonuses\">Points and Bonuses<\/h2>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"do_points_have_an_expiration_date_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo points have an expiration date?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>At least one activity is required to keep the account active. Holding a credit card makes things easier, as a simple purchase on the card counts as an account activity. Otherwise, you must either accumulate points, purchase points, or use them.<\/p>\n\n\n\n<p>Accepted periods of inactivity:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Marriott: 24 months<\/li>\n\n\n\n<li>Aeroplan&nbsp;: 18 months<\/li>\n\n\n\n<li>AIR MILES: 24 months<\/li>\n<\/ul><\/div>\n\n\n\n<p>Points obtained as a welcome bonus can be used as long as the account\/card is active.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"and_when_it_states_that_6_000_must_be_spent_in_6_months_is_that_only_for_the_first_six_months_or_at_any_time_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAnd when it states that $6,000 must be spent in 6 months, is that only for the first six months or at any time?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>This is only the first six months after acquiring the card.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-welcome-bonus\">Welcome Bonus<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"does_the_annual_card_fee_count_towards_purchases_to_unlock_the_bonus_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDoes the annual card fee count towards purchases to unlock the bonus?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No, the annual fee is not included in the minimum purchase count. And this applies to no credit card!<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"when_does_the_minimum_spending_period_for_the_welcome_bonus_start_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhen does the minimum spending period for the Welcome Bonus start?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Once the card issuer APPROVES your request. Not to be mistaken when you activate the credit card.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"when_will_i_receive_my_credit_card_welcome_bonus_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhen will I receive my credit card welcome bonus?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>In the vast majority of cases, it will be on the statement following the achievement of the amount required to unlock it. However, some institutions may have different rules. Check the terms and conditions of the offer you subscribe to.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_apply_for_the_same_card_several_times_in_a_row_and_receive_the_welcome_bonus_each_time_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I apply for the same card several times in a row and receive the welcome bonus each time?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>For <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express<\/a> cards, it&#8217;s one bonus per card for LIFE. Other financial institutions such as <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/bmo\/\">BMO<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/national-bank-of-canada\/\">NBC<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/cibc\/\">CIBC<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/mbna\/\">MBNA<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/rbc\/\">RBC<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/scotiabank\/\">SCOTIA<\/a> or <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/td\/\">TD<\/a> etc., may agree to offer a bonus again after a period ranging from 12 to 24 months.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"do_we_have_access_to_the_welcome_bonuses_of_other_american_express_cards_if_we_already_hold_one_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo we have access to the welcome bonuses of other American Express cards if we already hold one?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, you can receive a welcome bonus from another <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express<\/a> card, as long as it&#8217;s not a card you&#8217;ve already held!<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"do_we_have_to_repay_the_welcome_bonus_if_we_do_not_meet_the_minimum_spending_requirement_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo we have to repay the welcome bonus if we do not meet the minimum spending requirement?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You will not receive the premium unless you reach the requested amount within the required time frame.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"will_the_welcome_bonus_be_taken_away_from_me_if_a_refund_is_made_on_my_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWill the welcome bonus be taken away from me if a refund is made on my credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>If you return or cancel your trip, you may fall below the amount required to receive the Welcome Bonus. Depending on the type of credit card, the type of points, the type of program, your bonus could be taken away. You will then need to contact your card issuer to find a solution.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"249968,188740,136029,131976\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-reward-programs-and-credit-cards\">Reward Programs and Credit Cards<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"my_aeroplan_or_marriott_bonvoy_points_have_disappeared_from_my_credit_card_and_have_not_appeared_in_my_account_what_should_i_do_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tMy Aeroplan or Marriott Bonvoy points have disappeared from my credit card and have not appeared in my account, what should I do?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Marriott Bonvoy, Best Western, AIR MILES, and Aeroplan: if you did not submit a membership number to American Express, CIBC, MBNA, or TD when applying for a credit card online, the bank created one for you. Contact the card issuer to obtain it and open your new account or provide them with the one you already had. <\/p>\n<p>Your points are not lost!<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"once_the_points_have_been_used_what_do_i_do_with_the_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tOnce the points have been used, what do I do with the credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>We advise you to keep it between 11 months and its renewal date.<\/p>\n<p>You can then decide whether to keep it or not. It&#8217;s also a good idea to make a small purchase on the card to keep it active until it is closed. You should avoid cashing in the points as soon as you reach the bonus, and above all, don&#8217;t cancel the card immediately!<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"do_i_lose_my_points_if_i_close_my_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo I lose my points if I close my credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes and no!<\/p>\n\n\n\n<p>Yes, if the points are linked to the bank, such as rewards points (American Express Membership Rewards, BMO, NBC, Scotia, etc.).<\/p>\n\n\n\n<p>No, if the points have been transferred to an independent program such as Aeroplan, AIR MILES, Best Western Rewards, Marriott Bonvoy, etc.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-programs\">Programs<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-aeroplan\">Aeroplan<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"when_will_i_receive_my_air_canada_buddy_pass_and_where_is_it_located_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhen will I receive my Air Canada Buddy Pass and where is it located?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You receive the Air Canada Buddy Pass from an Aeroplan credit card approximately 90 days after the credit card&#8217;s approval. This Buddy Pass is deposited into the Aeroplan account under the &#8220;Privileges&#8221; category.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"100492,22723,108763,108767\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-air-miles\">AIR MILES<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"does_the_purchase_of_gift_cards_count_for_air_miles_promotions_at_iga_and_jean_coutu_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDoes the purchase of gift cards count for AIR MILES promotions at IGA and Jean Coutu?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No. The purchase of gift cards is not eligible for AIR MILES promotions (except in exceptional cases).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-marriott-bonvoy\">Marriott Bonvoy<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_are_the_15_elite_nights_offered_with_marriott_bonvoy_credit_cards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat are the 15 Elite Nights offered with Marriott Bonvoy credit cards?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>These are not free hotel nights but a set number of nights that earns elite status in the Marriott Bonvoy program. The latter then grant privileges. For example, one of the most sought-after is the Platinum status, which offers free breakfasts.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_the_15_elite_nights_be_combined_if_i_have_both_marriott_bonvoy_credit_cards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan the 15 Elite nights be combined if I have both Marriott Bonvoy credit cards?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No, in Canada, you will only receive 15 Elite Nights, even if you hold both <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/marriott-bonvoy-points\/\">Marriott Bonvoy credit cards<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"my_points_have_disappeared_from_my_american_express_marriott_bonvoy_account_did_i_lose_them_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tMy points have disappeared from my American Express Marriott Bonvoy account. Did I lose them?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>With each monthly statement, American Express automatically transfers points to the associated Marriott Bonvoy account.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_multiple_benefits_points_free_night_certificate_fifth_night_free_be_combined_to_spend_a_week_at_the_same_hotel_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan multiple benefits (points, free night certificate, fifth night free) be combined to spend a week at the same hotel?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>To get <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/fifth-night-free-marriott-bonvoy\/\">the fifth night free<\/a>, you must pay for the first four with points.<\/p>\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/amex-marriott-bonvoy-free-night-award\/\">free night certificate <\/a>can fill the sixth, and you can pay in cash the last. You will need to call Marriott and ask to link the two reservations.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_make_up_the_difference_in_points_by_using_a_35_000-point_certificate_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I make up the difference in points by using a 35,000-point certificate?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>At the moment, this is impossible. But starting in March 2022, it will be possible to pay up to 15,000 additional points to get a room in a more luxurious hotel.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"66018,135369\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_happens_to_the_elite_points_and_nights_if_i_book_two_rooms_at_a_marriott_bonvoy_hotel_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat happens to the Elite points and nights if I book two rooms at a Marriott Bonvoy hotel?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You&#8217;ll earn Marriott Bonvoy points but no Elite nights on the additional room.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"will_i_earn_marriott_elite_nights_if_i_book_my_room_on_expedia_ca_or_other_sites_besides_marriott_com_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWill I earn Marriott Elite Nights if I book my room on Expedia.ca or other sites besides Marriott.com?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No, you have to book directly through Marriott.com to get Elite Nights and enjoy the benefits of your Elite Status (but you can support Milesopedia <a class=\"thirstylink\" title=\"Book Marriott\" href=\"\/go\/book-marriott\/\" target=\"_blank\" rel=\"nofollow noopener\">through our links<\/a>).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_the_marriott_bonvoy_free_night_certificate_cumulative_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs the Marriott Bonvoy free night certificate cumulative?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No, it has a one-year expiration date listed in your Marriott Bonvoy account.<\/p>\n<p>However, it can sometimes be postponed for a year after negotiation by phone with Marriott Bonvoy (the one-year postponement will be from the date of the call: calculate carefully)!<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"since_you_can_apos_t_receive_the_marriott_bonvoy_credit_card_welcome_bonus_more_than_once_how_do_you_earn_points_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tSince you can&apos;t receive the Marriott Bonvoy credit card welcome bonus more than once, how do you earn points?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The best strategy to continue earning Marriott points and receive the certificate for a free night each year is&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Keep your Marriott Bonvoy credit card open and pay your annual fee (you will receive your certificate for a free night, 8 weeks after the card is renewed).<\/li>\n\n\n\n<li>Subscribe, if not already done, to the SME version (also accessible to individuals), the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/marriott-bonvoy-business-american-express-card\/\">Marriott BonvoyMC Business American Express<sup>MD<\/sup> Card<\/a><\/li>\n\n\n\n<li>Apply for an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express CobaltMC Card<\/a> which offers 5x points at restaurants and grocery stores. convenience stores (corresponding to 6 Marriott Bonvoy points).<\/li>\n\n\n\n<li>Use this same card for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/5-points-stores\/\">purchase of gift cards<\/a> at grocery stores (Ikea, Walmart, SAQ, Amazon, etc.).<\/li>\n\n\n\n<li>Transfer points from the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> to your Marriott Bonvoy account<\/li>\n<\/ul><\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"64086,143408\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"267909,22621,22624\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pc-optimum\">PC Optimum<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_purchase_gift_cards_with_my_pc_optimum_points_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I purchase gift cards with my PC Optimum points?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No. When an item does not earn base points upon purchase (gift cards, medications, etc.), you also cannot use points to buy it.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-misc\">Misc.<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_it_necessary_to_join_the_marriott_bonvoy_aeroplan_best_western_pc_optimum_program_before_applying_for_a_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs it necessary to join the Marriott Bonvoy, Aeroplan, Best Western, PC Optimum program before applying for a credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>It is preferable, as it greatly simplifies the process!<\/p>\n<p>Otherwise, the financial institution will open an account for you when the card is issued. If you forget to provide your membership number when applying for the card, call Customer Service to inform them as soon as you activate it.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Every day, recurring questions about points, programs, credit cards, and other exciting topics reappear in discussion threads on the Milesopedia Facebook group. These are, of course, asked by a new member in the group or by a member who has simply forgotten the answer. We&#8217;ve gathered the most popular questions: the ones that keep coming [&hellip;]<\/p>","protected":false},"author":3,"featured_media":426241,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-toc.php","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"tags":[],"mc_loyalty_program":[],"class_list":["post-217456","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Frequently Asked Questions about Credit Cards and Rewards Programs | Milesopedia<\/title>\n<meta name=\"description\" content=\"Here are the answers to the most frequently asked questions about credit cards and rewards programs in Canada.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/questions-requests-program-cards\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Frequently Asked Questions about Credit Cards and Rewards Programs\" \/>\n<meta property=\"og:description\" content=\"Here are the answers to the most frequently asked questions about credit cards and rewards programs in Canada.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mp-2702.milesopedia.dev\/en\/questions-requests-program-cards\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-08T16:43:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/01\/Questions-Frequentes-1024x538-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"538\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/questions-requests-program-cards\\\/\",\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/questions-requests-program-cards\\\/\",\"name\":\"Frequently Asked Questions: Credit Cards and Rewards Programs - 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