{"id":101871,"date":"2024-04-01T07:25:00","date_gmt":"2024-04-01T11:25:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=101871"},"modified":"2026-05-09T16:27:23","modified_gmt":"2026-05-09T20:27:23","slug":"credit-cards-wallet-jmv","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/credit-cards-wallet-jmv\/","title":{"rendered":"The Best Credit Cards In My Wallet"},"content":{"rendered":"\n<p>In my opinion, these credit cards are the perfect combo for my wallet in 2023.<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-center\" data-align=\"center\">Card<\/td><td class=\"has-text-align-center\" data-align=\"center\">Why<\/td><\/tr><\/thead><tbody><tr><td><a href=\"#cobalt\"><img decoding=\"async\" class=\"aligncenter wp-image-35487 size-thumbnail\" title=\"american express mr cobalt\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american-express-mr-cobalt-200x126.png\" alt=\"american express mr cobalt\" width=\"200\" height=\"126\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american-express-mr-cobalt-200x126.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american-express-mr-cobalt.png 333w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/a><\/td><td>\n<p>To earn 5 points per dollar on <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/grocery\/\">grocery<\/a>, convenience store, food delivery as well as <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/restaurants\/\">dining<\/a> purchases.<\/p>\n\n\n\n<p>To earn 5 points per dollar for many businesses like Amazon or the SAQ <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/points-gift-cards-strategy\/\">thanks to gift cards<\/a><\/p>\n\n\n\n<p>To earn 5 points in these spending categories <strong>abroad<\/strong> (grocery stores, restaurants, etc.)<\/p>\n<\/td><\/tr><tr><td><img decoding=\"async\" class=\"aligncenter wp-image-238841 \" title=\"Hsbc world elite mastercard new\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/11\/scotia-passport-visa-infinite-card.png\" alt=\"Scotiabank Passport\u2122 Visa Infinite*+ Card\" width=\"200\" height=\"122\"><\/td><td>\n<p>To earn 2 points per dollar (including abroad) at the grocery store<\/p>\n\n\n\n<p>For Snowbirds shopping at Costco in the U.S. (Visa only)<\/p>\n\n\n\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/forex\/\">No FX-Fee<\/a><\/p>\n\n\n\n<p>Six complimentary airport lounge visits per year<\/p>\n<\/td><\/tr><tr><td><a href=\"#bonvoy\"><img decoding=\"async\" class=\"aligncenter wp-image-35459 \" title=\"american express bonvoy\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american-express-bonvoy-200x126.jpg\" alt=\"american express bonvoy\" width=\"200\" height=\"126\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american-express-bonvoy-200x126.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american-express-bonvoy.jpg 320w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/a><\/td><td>\n<p>To earn 5 points per dollar for my Marriott expenses<\/p>\n\n\n\n<p>For its <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/amex-marriott-bonvoy-free-night-award\/\">Annual Free Night Award<\/a> (35,000 points value)<\/p>\n\n\n\n<p>For <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/amex-marriott-bonvoy-card-free-nights\/\">15 Elite Night Credits each calendar year<\/a> for my <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/marriott-bonvoy-elite-status-benefits\/\">Marriott Bonvoy Elite status<\/a><\/p>\n<\/td><\/tr><tr><td><a href=\"#bnc\"><img decoding=\"async\" class=\"aligncenter wp-image-130003 size-thumbnail\" title=\"NBC World Elite Mastercard\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/nbc-world-elite-mastercard-200x126.png\" alt=\"NBC World Elite Mastercard\" width=\"200\" height=\"126\"><\/a><\/td><td>\n<p>For Canada&#8217;s <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/why-apply-nbc-world-elite-mastercard\/\">best credit cards insurance<\/a>: up to 60 days for international travel, up to 3 years of warranty for purchases.<\/p>\n\n\n\n<p>For an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/nbc-annual-travel-credit\/\">annual travel credit<\/a> of up to $150<\/p>\n\n\n\n<p>To earn <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/nbc-world-elite-mastercard-offer\/\">5 points per dollar at grocery stores and restaurants<\/a> that don&#8217;t accept American Express.<\/p>\n<\/td><\/tr><tr><td><a href=\"#ap\"><img decoding=\"async\" class=\"aligncenter wp-image-98657 size-thumbnail\" title=\"td-visa Infinite aeroplan new\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-200x126.png\" alt=\"Td Visa Infinite Aeroplan New\" width=\"200\" height=\"126\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-200x126.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-450x283.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-1024x644.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-768x483.png 768w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new.png 1140w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/a><\/td><td>\n<p>To get my <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/aeroplan-credit-card-free-checked-bag\/\">first free checked bag with Air Canada<\/a> (as well as my spouse&#8217;s and children&#8217;s)<\/p>\n\n\n\n<p>For benefits with Air Canada and the Aeroplan flight rewards Preferred Pricing<\/p>\n\n\n\n<p>For insurance on flight rewards booked with Aeroplan points<\/p>\n<\/td><\/tr><tr><td><a href=\"#platine\"><img decoding=\"async\" class=\"aligncenter wp-image-80220 size-thumbnail\" title=\"New Platinum Card\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card-200x127.png\" alt=\"New Platinum Card\" width=\"200\" height=\"127\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card-200x127.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card-450x285.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/02\/new-platinum-card.png 480w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/a><\/td><td>\n<p>For <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/free-airport-lounge-access\/\">free access to VIP airport lounges<\/a> with my family.<\/p>\n\n\n\n<p>To get Hilton Honors Gold Elite status (complimentary breakfasts).<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"american_express_cobalt_card\">American Express Cobalt&reg; Card<\/h2>\n\t\t\t\t<p>The American Express Cobalt<sup>&reg;<\/sup> Card is <strong>the best credit card from American Express<\/strong>, whether you want points for travel or cash back.<\/p>\n<p>The welcome bonus is distributed monthly for the first 12 months. You&rsquo;ll earn <span class=\"nowrap\">1,250<\/span> Membership Rewards points for every <span class=\"nowrap\">$750<\/span> in purchases charged to your card during the month (whether in the 1X, 2X, 3X or 5X category). That&rsquo;s up to <strong><span class=\"nowrap\">15,000<\/span> Membership Rewards points<\/strong>.<\/p>\n<p>You can easily use these points as <strong>statement credits<\/strong> for everyday or travel purchases. The value is the same for both: <span class=\"nowrap\">1,000<\/span> points = <span class=\"nowrap\">$10<\/span>.<\/p>\n<p>Alternatively, transfer them to Aeroplan points, Avios (British Airways\/Qatar Airways), Flying Blue, Marriott Bonvoy, or Hilton Honors.<\/p>\n<p>For example, with this welcome offer, if you decide to <strong>transfer your Membership Rewards points<\/strong> to a partner loyalty program, you would have the choice of earning up to:<\/p>\n<ul>\n<li>15,000 Aeroplan points<\/li>\n<li>15,000 Avios points<\/li>\n<li>15,000 Flying Blue Miles<\/li>\n<li>18,000 Marriott Bonvoy points<\/li>\n<\/ul>\n<p>With the American Express Cobalt<sup>&reg;<\/sup> Card, you can earn <strong>between 1 and 5 points per dollar: <\/strong><\/p>\n<table style=\"border-collapse: collapse;width: 100%\">\n<thead>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Category<\/td>\n<td style=\"width: 39.3858%;text-align: center\">Points per dollar<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Grocery (M\u00e9tro, IGA, Sobeys, Super C, etc.)<\/td>\n<td style=\"width: 39.3858%;text-align: center\">5<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Home food delivery<\/td>\n<td style=\"width: 39.3858%;text-align: center\">5<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Restaurants and bars<\/td>\n<td style=\"width: 39.3858%;text-align: center\">5<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Convenience stores<\/td>\n<td style=\"width: 39.3858%;text-align: center\">5<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Streaming services<\/td>\n<td style=\"width: 39.3858%;text-align: center\">3<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Service station<\/td>\n<td style=\"width: 39.3858%;text-align: center\">2<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Transport<\/td>\n<td style=\"width: 39.3858%;text-align: center\">2<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Travel<\/td>\n<td style=\"width: 39.3858%;text-align: center\">1<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Other<\/td>\n<td style=\"width: 39.3858%;text-align: center\">1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This is a <strong><span class=\"nowrap\">1 to 5%<\/span> return<\/strong> on all these purchases.<\/p>\n<p>For example, if you spend <span class=\"nowrap\">$1,000<\/span> per month on groceries and\/or restaurants and\/or food delivery, you\u2019ll earn $50 cash back per month, or <strong><span class=\"nowrap\">$600<\/span> cash back per year<\/strong> with this card for this category of purchases!<\/p>\n<p>And if you decide to transfer your points to other programs like Aeroplan, you could get even more value!<\/p>\n<p>In addition, this card provides excellent insurance coverage: rental car theft and damage, baggage delay, lost or stolen baggage, flight delay, <span class=\"nowrap\">$250,000<\/span> travel accident, hotel or motel burglary, Mobile Device Insurance, Purchase Security, Purchase Protection Insurance.<\/p>\n<p>Like all American Express Canada Cards, there is <strong>no minimum income requirement<\/strong>.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\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<\/div>\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\t\t\t<h2 id=\"national_bank_world_elite_mastercard\">National Bank World Elite Mastercard<\/h2>\n\t\t\t\t<p>With Milesopedia, <strong>enjoy an exclusive offer to get up to 50,000 points<\/strong> with the National Bank World Elite Mastercard. This offer is <strong>exclusively available through the Milesopedia network<\/strong> and allows you to quickly earn points by following these steps:<\/p>\n<ul>\n<li><strong>10,000 reward points<\/strong> upon enrollment in your credit card payment protection, for a minimum of 3 months of membership.<\/li>\n<li><strong>10,000 points<\/strong> when you make $5,000 in net purchases within the first 3 months.<\/li>\n<li><strong>20,000 points<\/strong> when you reach $20,000 in purchases within the first 12 months.<\/li>\n<li><strong>10,000 points<\/strong> when you combine your credit card with the opening of your first current account within 7 days of your credit card application.<\/li>\n<\/ul>\n<p>The <strong>National Bank World Elite Mastercard<\/strong> is the best Mastercard credit card offered by NBC.<\/p>\n<p>With this card, you earn up to <strong>5 points per dollar<\/strong> on your purchases:<\/p>\n<ul>\n<li>5 points per dollar for groceries and restaurants<\/li>\n<li>2 points per dollar on gas and electric recharge purchases<\/li>\n<li>2 points per dollar on recurring bills<\/li>\n<li>2 points per dollar on \u00c0 la carte Travel<\/li>\n<li>1 point per dollar for all other purchases<\/li>\n<\/ul>\n<p>And since it&rsquo;s an NBC mycredit <strong>Mastercard<\/strong>, you can use it at Costco.<\/p>\n<p>With this card, you have access to a <strong>$150 annual travel credit<\/strong> that you can use in any of these categories:<\/p>\n<ul>\n<li>Airport parking<\/li>\n<li>Baggage fees<\/li>\n<li>Seat selection<\/li>\n<li>Access to Airport Lounges<\/li>\n<li>Flight upgrades<\/li>\n<\/ul>\n<p>What&rsquo;s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.<\/p>\n<p>Finally, Milesopedia has named the National Bank World Elite Mastercard as the <strong>Best Travel Credit Card<\/strong> in 2023, 2024, 2025, and 2026.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\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<\/div>\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\t\t\t<h2 id=\"scotiabank_passport_visa_infinite_card\">Scotiabank Passport&trade; Visa Infinite +* Card<\/h2>\n\t\t\t\t<p>With this welcome offer for the <strong>Scotiabank Visa Infinite <sup>+*<\/sup> Passport<sup>MC<\/sup> Card<\/strong>, you get up to <strong>60,000 Scene+ points as a welcome bonus<\/strong> (a <strong>value of $600<\/strong>):<\/p>\n<ul>\n<li><strong>40,000 points<\/strong> after $2,000 in purchases within the first three months<\/li>\n<li><strong>10,000 points<\/strong> after $10,000 in purchases within the first six months<\/li>\n<li>10,000 points after $40,000 in purchases in the first year<\/li>\n<\/ul>\n<p>Then, each year, if you make at least $40,000 in purchases on the card, you&rsquo;ll earn an annual bonus of at least 10,000 points, which represents <strong>a $100 value<\/strong>.<\/p>\n<p>With the Scotiabank Visa Infinite +* Passport<sup>MD<\/sup> Card, you earn <strong>3 points per dollar spent<\/strong> at Sobeys, <strong>IGA<\/strong>, Safeway, Foodland, FreshCo, Voil\u00e0 by Sobeys, Voil\u00e0 par IGA, Voil\u00e0 by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les March\u00e9s Tradition, Rachelle B\u00e9ry and Co-Op.<\/p>\n<p>You also earn <strong>2 points per dollar spent<\/strong>, including on foreign purchases, in the following categories:<\/p>\n<ul>\n<li>Grocery shopping<\/li>\n<li>Restaurants<\/li>\n<li>Entertainment centers<\/li>\n<li>Transit<\/li>\n<\/ul>\n<p>The Scotiabank Visa Infinite +* Passport<sup>MD<\/sup> Card is an excellent Visa credit card for these types of purchases.<\/p>\n<p>These points can be used for any travel purchase at a rate of <strong>1,000 points = $10<\/strong> (flights, hotels, all-inclusive packages, and even Airbnb). You can also redeem your points as cash back with Scene+, for example, at your grocery store checkout at the same rate of <strong>1,000 points = $10<\/strong>. <\/p>\n<p>The Scotiabank Visa Infinite +* Passport<sup>MD<\/sup> Card also offers:<\/p>\n<ul>\n<li><strong>No fees for foreign currency transactions<\/strong><\/li>\n<li>6 access to VIP airport lounges<\/li>\n<li>Excellent insurance for your travels and purchases<\/li>\n<li>Concierge service<\/li>\n<li><strong>Travel with confidence with 10 GB of free GigSky global mobile data for 15 days<\/strong>, plus access to GigSky Travel Essentials for essential apps on the go.<\/li>\n<li>Cardholders also receive a free 1 GB\/15-day GigSky global mobile data package annually, plus a 20% discount on future GigSky purchases.<\/li>\n<\/ul>\n<p>We have named this credit card the <strong>Best Credit Card with No Foreign Transaction Fees<\/strong> in 2024, 2025, and 2026.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22642\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\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<\/div>\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\t\t\t<h2 id=\"marriott_bonvoy_american_express_card\">Marriott Bonvoy&reg; American Express&reg;* Card<\/h2>\n\t\t\t\t<p>The Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card is <strong>the best credit card for free hotel nights<\/strong>.<\/p>\n<p>With this welcome offer, you can earn up to <strong>70,000 Marriott Bonvoy points<\/strong>:<\/p>\n<ul>\n<li>Earn <strong>60,000 points<\/strong> after spending a total of $3,000 on your Card within your first 3 months of Cardmembership. <\/li>\n<li>In addition, earn <strong>10,000 points<\/strong> after you spend $500 on your Card in your 13th month of Cardmembership.<\/li>\n<\/ul>\n<p>It&rsquo;s a card we recommend you keep, because each year at renewal, you&rsquo;ll get an <strong>Annual Free Night Award<\/strong> for up to 35,000 points, plus <strong>15 Elite nights<\/strong> per year, counting towards your Marriott Bonvoy Elite status.<\/p>\n<p>With this Card, you earn <strong>5 points per dollar<\/strong> on all purchases at Marriott Bonvoy properties and <strong>2 points per dollar on all other purchases<\/strong>.<\/p>\n<p>Last but not least, this Card comes with a wide range of <strong>insurance coverages<\/strong>: baggage delay, baggage loss or theft, $500,000 travel accident, flight delay, hotel\/motel burglary, rental car theft and damage, Purchase Security, Purchase Protection.<\/p>\n<p>Like all American Express Canada Cards, there is <strong>no minimum income requirement<\/strong>. <\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\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\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\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<\/div>\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='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\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\"\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>\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\t\t\t<h2 id=\"american_express_platinum_card_\">American Express Platinum Card&reg;<\/h2>\n\t\t\t\t<p>The Platinum Card<sup>&reg;<\/sup> is <strong>the best Premium Card in Canada<\/strong> for travellers.<\/p>\n<p>With this welcome offer, you can earn <strong>up to <span class=\"nowrap\">100,000<\/span> Membership Rewards points<\/strong>:<\/p>\n<ul>\n<li><strong><span class=\"nowrap\">70,000<\/span> points<\/strong> when you charge <span class=\"nowrap\">$10,000<\/span> in net purchases to your Card in the first 3 months after joining;<\/li>\n<li><strong><span class=\"nowrap\">30,000<\/span> points<\/strong> if you make a purchase between 15 to 17 months after signing up.<\/li>\n<\/ul>\n<p>With this Card, you get:<\/p>\n<ul>\n<li><strong>2 points per dollar<\/strong> for dining purchases<\/li>\n<li><strong>2 points per dollar<\/strong> on travel purchases<\/li>\n<li><strong>1 point per dollar<\/strong> for other purchases<\/li>\n<\/ul>\n<p>You can use your Membership Rewards points in many ways:<\/p>\n<ul>\n<li>Transfer points to airline partners: Aeroplan, Avios (British Airways \/ Qatar Airways), Flying Blue, Delta Skymiles, etc.<\/li>\n<li>Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)<\/li>\n<li>Redeem points for statement credits to offset any travel purchase charged to your Card (<span class=\"nowrap\">1,000<\/span> points = <span class=\"nowrap\">$10<\/span>)<\/li>\n<li>Redeem points for statement credits towards other purchases (<span class=\"nowrap\">1,000<\/span> points = <span class=\"nowrap\">$10<\/span>)<\/li>\n<li>And more!<\/li>\n<\/ul>\n<p>For example, with this welcome offer, if you decide to <strong>transfer your Membership Rewards points<\/strong> to a partner loyalty program, you would have the choice of earning up to&nbsp;:<\/p>\n<ul>\n<li>100,000 Aeroplan points<\/li>\n<li>100,000 Avios<\/li>\n<li>100,000 Flying Blue Miles<\/li>\n<li>120,000 Marriott Bonvoy points<\/li>\n<\/ul>\n<p>With this card, you also have advantages for your travels:<\/p>\n<ul>\n<li><strong><span class=\"nowrap\">$200<\/span> Annual Travel Credit<\/strong><\/li>\n<li><strong>An annual meal credit of <span class=\"nowrap\">$200<\/span><\/strong><\/li>\n<li><strong><span class=\"nowrap\">$100<\/span> NEXUS<\/strong> Card Statement Credit<\/li>\n<li>Complimentary access for you and one additional guest to over 1,400 airport lounges in more than 130 countries<\/li>\n<li><strong>Hilton Honors Gold Elite status<\/strong> (complimentary breakfast at all Hilton hotels)<\/li>\n<li>Marriott Bonvoy Gold Elite status<\/li>\n<li>Access to the Fine Hotels and Resorts program<\/li>\n<\/ul>\n<p>Last but not least, the Platinum Card<sup>&reg;<\/sup> offers a wide range of insurance coverage: rental car theft and damage, <span class=\"nowrap\">$500,000<\/span> travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.<\/p>\n<p>Like all American Express Canada Cards, there is <strong>no minimum income requirement<\/strong>. <\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22616\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\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<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n\n\n<p>Of course, I have other credit cards in my wallet, as and when the welcome offers come along &#8211; including those offered in the first year &#8211; or the benefits are relevant!<\/p>\n\n\n\n<p>But the six credit cards listed in this article are the ones I keep, and they fit my lifestyle perfectly! What are your favourite credit cards right now?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq-credit-cards-wallet-jmv\">Frequently Asked Questions about JMV&#8217;s wallet of credit cards<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about this card.<\/p>\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=\"why_does_jmv_milesopedia_rsquo_s_founder_carry_six_credit_cards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhy does JMV (Milesopedia&rsquo;s founder) carry six 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>Each of the six cards in JMV&rsquo;s wallet covers a different optimization layer:<\/p><ul><li><strong>American Express Cobalt<sup>&reg;<\/sup> Card<\/strong> &mdash; 5x on groceries, restaurants, and food delivery<\/li><li><strong>Scotiabank Passport<sup>&reg;<\/sup> Visa Infinite<\/strong> &mdash; no FX fees + 6 lounge visits<\/li><li><strong>Marriott Bonvoy<sup>&reg;<\/sup> Amex<sup>&reg;<\/sup><\/strong> &mdash; annual free night certificate<\/li><li><strong>National Bank World Elite Mastercard<\/strong> &mdash; backup for Amex-refusing merchants + 5x dining<\/li><li><strong>TD Aeroplan Visa Infinite<\/strong> &mdash; free first checked bag for the family<\/li><li><strong>American Express Platinum Card<sup>&reg;<\/sup><\/strong> &mdash; unlimited lounge access + Hilton Gold<\/li><\/ul><p>The combined annual fee load is offset by welcome bonuses and category multipliers worth several thousand dollars per year.<\/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=\"which_one_card_would_jmv_keep_if_he_had_to_pick_just_one_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich one card would JMV keep if he had to pick just 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>For most Canadian households, the answer is the <strong>American Express Cobalt<sup>&reg;<\/sup> Card<\/strong>. At <strong>5 Membership Rewards points per $1<\/strong> on groceries, restaurants, and food delivery, no other card matches its everyday earn rate on the categories where households spend the most. Membership Rewards points <strong>transfer 1:1 to Aeroplan<\/strong> and <strong>1.25:1 to Marriott Bonvoy<\/strong>, so you keep the flexibility to redeem for either flights or hotels. The monthly $12.99 fee model also makes it easy to test before committing to a full year.<\/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_pair_an_amex_with_a_mastercard_or_visa_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhy pair an Amex with a Mastercard or Visa?\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>Amex acceptance in Canada is <strong>roughly 65&ndash;70%<\/strong>, vs. <strong>99%+<\/strong> for Visa and Mastercard. Smaller merchants, some rural gas stations, and most Quebec dollar stores still refuse Amex. JMV pairs his Cobalt<sup>&reg;<\/sup> card with the <strong>National Bank World Elite Mastercard<\/strong> precisely for those moments &mdash; the Mastercard earns up to 5 points per $1 on groceries and dining at non-Amex merchants and includes superior travel insurance with up to <strong>$5M emergency medical<\/strong>. That dual-card setup ensures every dollar stays optimized, regardless of where you swipe.<\/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_six_cards_too_many_for_the_average_canadian_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre six cards too many for the average Canadian?\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 someone new to points, <strong>two cards are enough<\/strong>:<\/p><ul><li>One <strong>everyday rewards card<\/strong> (Cobalt<sup>&reg;<\/sup>, MBNA Rewards World Elite, or Scotia Passport)<\/li><li>One <strong>backup Visa or Mastercard<\/strong> for places that don&rsquo;t take Amex<\/li><\/ul><p>Add a third card &mdash; usually a <strong>premium travel card<\/strong> with lounge access &mdash; only once you&rsquo;re comfortable tracking spending across multiple statements. JMV&rsquo;s six-card setup is the result of years of optimization, not a starting point. Build up gradually as your travel and spending volume grows.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>I am often asked about the credit cards in my wallet. Here are the ones I keep and why!<\/p>","protected":false},"author":3,"featured_media":234360,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","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":""},"categories":[45831,48137],"tags":[],"mc_loyalty_program":[],"class_list":["post-101871","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-strategy","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"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>The Best Credit Cards In My Wallet | Milesopedia<\/title>\n<meta name=\"description\" content=\"I am often asked about the credit cards in my wallet. Here are the ones I keep and why!\" \/>\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\/reviews\/credit-cards\/credit-cards-wallet-jmv\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Credit Cards In My Wallet\" \/>\n<meta property=\"og:description\" content=\"I am often asked about the credit cards in my wallet. 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