{"id":174506,"date":"2021-10-18T06:10:00","date_gmt":"2021-10-18T10:10:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/news\/best-credit-cards-snowbirds\/"},"modified":"2026-05-09T08:31:52","modified_gmt":"2026-05-09T08:31:52","slug":"best-credit-cards-snowbirds","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/best-credit-cards-snowbirds\/","title":{"rendered":"Best Credit Cards for Snowbirds"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-travelling-again\">Travelling again<\/h2>\n\n\n\n\n\n<p>I retired a few months ago in the midst of a pandemic. I had several travel dreams that I redirected, like most people, to Quebec and its surroundings. But with the announcement of the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/travel\/united-states-open-land-frontier-canadians-november\/\">land borders reopening on the American side<\/a>, I can finally start moving around. And I&#8217;m getting ready to leave again. Where? Full South.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"940\" height=\"788\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/10\/6380E2CA-6308-4BAE-876F-7267C03541DB.png\" alt=\"Best Credit Cards for Snowbirds - Floride\" class=\"wp-image-171241\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/10\/6380E2CA-6308-4BAE-876F-7267C03541DB.png 940w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/10\/6380E2CA-6308-4BAE-876F-7267C03541DB-450x377.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/10\/6380E2CA-6308-4BAE-876F-7267C03541DB-200x168.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/10\/6380E2CA-6308-4BAE-876F-7267C03541DB-768x644.png 768w\" sizes=\"(max-width: 940px) 100vw, 940px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-my-retirement-plan\">My Retirement Plan<\/h3>\n\n\n\n<p>I am a traveller. I am also a collector of loyalty program points and credit cards. This is what helps me travel cheaply, but in comfort and safety. At 65, it&#8217;s a good idea.<\/p>\n\n\n\n<p>I save money on <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/gas-transit\/\">gas<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/grocery\/\">groceries<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/restaurants\/\">restaurants<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/hotels\/\">hotels<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/travel\/\">airfare.<\/a> About everything! My leitmotiv: Travel more often and better.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/03\/carte-argent-remises.jpg\" alt=\"Best Credit Cards for Snowbirds - Cash Back Credit Cards\" class=\"wp-image-80921\"\/><\/figure>\n\n\n\n<p>The United States is always in my sights. First, because my daughter lives there: <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/flights\/story-of-my-flight-to-the-united-states-with-air-canada\/\">Nashville, Tennessee<\/a>. But then because with his agreement, her home can bee used as a base for me to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/destination\/portland-oregon\/\">housesit<\/a> and petsit in Uncle Sam&#8217;s country. Do you know about this type of service?<\/p>\n\n\n\n<p>All you have to do is register on a specialized site. Mine is called <a target=\"_blank\" class=\"thirstylink\" title=\"Trustedhousesitters\" href=\"\/go\/trustedhousesitters\/\" rel=\"nofollow sponsored\">Trustedhousesitters.com<\/a>. It&#8217;s fun, safe and free except for the membership fee. I have done about fifteen 5-star housesitting jobs for which I have crossed<strong> American land or air borders<\/strong>. This has allowed me to discover places I would not have thought of. The pandemic deprived me of this pleasure like the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/destination\/snowbirds-destinations-winter\/\">snowbirds<\/a> deprived them of theirs, with both feet in the sand.<\/p>\n\n\n\n<p>In this context, I went to Pompano Beach, Florida in November to petsit a Chihuahua and a cat. <strong>And I extended my stay in a hotel<\/strong>, also with my <strong>feet in the sand<\/strong>. My daughter and son-in-law joined me for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/fifth-night-free-marriott-bonvoy\/\">5 nights at no charge<\/a> at a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/programme-fidelite\/marriott-bonvoy\/\">Marriott Bonvoy<\/a> oceanfront property.<\/p>\n\n\n\n<p>Finally, I created a strategy for myself because from now on, I will be in the United States several months a year. Do you want to know more about my strategy?<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1000\" height=\"750\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/Nashville-et-environs-01.jpg\" alt=\"Introducing the Gaylord Opryland Resort &amp; Convention Center - Nashville - Nashville et environs-01\" class=\"wp-image-160085\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/Nashville-et-environs-01.jpg 1000w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/Nashville-et-environs-01-450x338.jpg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/Nashville-et-environs-01-200x150.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/Nashville-et-environs-01-768x576.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-strategies-for-saving-money\">Strategies for saving money<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-credit-card-with-no-conversion-fees\">A Credit Card With No Conversion Fees<\/h3>\n\n\n\n<p>I pay for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/bye-bye-debit-card\/\">everything<\/a> with my credit card and there&#8217;s no way I&#8217;m going to pay a <strong>2.5% conversion fee<\/strong> on top of the exchange rate the banks charge on our purchases.<\/p>\n\n\n\n<p>So, I explored the world of Canadian credit cards that gave me this advantage and <strong>several others<\/strong>. There are three of them:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cartes-de-credit\/scotiabank-passport-visa-infinite-card\/\">Scotiabank Passport\u2122 Visa Infinite +* Card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cartes-de-credit\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cartes-de-credit\/scotiabank-platinum-american-express\/\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1800\" height=\"1200\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/12\/united-polaris-lounge-san-francisco-01.jpg\" alt=\"Best Credit Cards for Snowbirds - united polaris lounge san francisco 01\" class=\"wp-image-71457\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/12\/united-polaris-lounge-san-francisco-01.jpg 1800w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/12\/united-polaris-lounge-san-francisco-01-450x300.jpg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/12\/united-polaris-lounge-san-francisco-01-1024x683.jpg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/12\/united-polaris-lounge-san-francisco-01-200x133.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/12\/united-polaris-lounge-san-francisco-01-768x512.jpg 768w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/figure>\n\n\n\n<p>In addition to not charging a conversion fee, each of them offers <strong>a sign-up bonus<\/strong>. Some promotions outdo themselves. One thinks of <strong>hundreds of dollars in bonuses<\/strong> or cash back that can be applied to hotel expenses, car rentals or excursions, to name a few.<\/p>\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='6'\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=\"22642,22642,22640,22641\"\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>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>In addition, some of them offer <strong>entry to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/lounges\/\">airport lounges<\/a><\/strong>, an <strong><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/use-annual-travel-hsbc-world-elite\/\">annual travel credit<\/a><\/strong>, for example to buy better seats on the plane, and so on. Finally, they offer <strong>excellent insurance. I told you; I&#8217;m looking for comfort and security. <\/strong><\/p>\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='m'\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--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"470736,80520,215866\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>I&#8217;ve seen that there are also other options with pre-paid reloadable credit cards that have no (or lower) conversion fees.<\/p>\n\n\n\n<p>The <a target=\"_blank\" title=\"KOHO Premium Mastercard Prepaid Card\" href=\"\/go\/koho-premium-visa-prepaid-card\/\" rel=\"noindex\">KOHO Extra Mastercard Prepaid Card<\/a> has no foreign transaction fee. It acts as a safeguard by allowing us to spend only what we already have put in our account. However, you cannot withdraw more than $4,000 per month and it does not come with insurance. It&#8217;s not practical to rent a car or book a hotel when you are asked to pay 15-20% of the transaction amount in advance. <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/koho-mastercard-prepaid-card-offer\/\">Read all about the KOHO Mastercard prepaid card.<\/a><\/p>\n\n\n\n<p>Finally, I thought about <strong>Canadian credit cards in US dollars<\/strong>. This is an option that all financial institutions offer.<\/p>\n\n\n\n<p>However, they require a minimum amount to be kept in the US bank account to keep the service free, or have a limited number of transactions unless you pay for a package. Until then, it could still be okay. But again, the rewards offered, whether in cashback (1%) or for items at the 100 point for $1 redemption rate remain uninviting.<\/p>\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=\"117031,136341,22660,22691\"\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>\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-get-free-hotel-nights\">Get free hotel nights<\/h3>\n\n\n\n<p>In between house or pet sitting, I need <strong>free hotel nights<\/strong>. I chose the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cartes-de-credit\/marriott-bonvoy-american-express-card\/\">Marriott Bonvoy\u2122 American Express<sup>&reg;<\/sup> Card<\/a> because it is available in Canada, which is not the case for the Hilton chain.<\/p>\n\n\n\n<p>It allowed me in 2020 just before the pandemic, to stay in their hotels for free in <a href=\"https:\/\/mp-2702.milesopedia.dev\/guides\/destination\/afrique-du-sud-a-moi\/\">South Africa <\/a><strong>for 14 days<\/strong>!<\/p>\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-h'\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-h 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=\"66037\"\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<p>Did you know that this credit card gives you a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/amex-marriott-bonvoy-free-night-award\/\">free night every year you renew it<\/a>? This makes up for the $120 annual membership fee. That&#8217;s not counting the points generated when you join and when you use it.<\/p>\n\n\n\n<p>In addition, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/fifth-night-free-marriott-bonvoy\/\">fifth night is free<\/a> when you pay for four nights with your points. Finally, there are <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/marriott-bonvoy-elite-status-benefits\/\">statuses<\/a> that allow access to lounges and breakfasts, early arrivals and late departures. In short, I want all of that.<\/p>\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='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='6'\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\n<h3 class=\"wp-block-heading\" id=\"h-load-to-card-in-local-currency\">Load to card in local currency<\/h3>\n\n\n\n<p>I always ask that my credit card be charged in <strong>U.S. currency<\/strong> when I am in the U.S. and not in Canadian dollars. There are abuses by some merchants who keep a commission on these conversions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-currency-transfer\">Currency transfer<\/h3>\n\n\n\n<p>This article is dedicated to credit cards for <em>snowbirds<\/em>. But there are other ways to save money, especially when transferring currency between Canadian and U.S. dollars.<\/p>\n\n\n\n<p>For example, with the <a class=\"thirstylink\" title=\"Transferwise\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wise-visa-card\/\" rel=\"nofollow sponsored\">Wise<\/a> service, which offers an unparalleled rate and allows you to get US currency quickly. Or through the Canadian Snowbird Association&#8217;s <a target=\"_blank\" href=\"https:\/\/www.snowbirds.org\/fr\/member-benefits\/currency-exchange\/\">currency exchange program<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-about-the-credit-score\">What about the credit score?<\/h2>\n\n\n\n<p>If you are among those who fear for your credit score when you apply for new cards, you should know that:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>35% of your credit score<\/strong> comes from paying your balances on time. That is, to be seen by your lenders <strong>as a good borrower<\/strong>.<\/li>\n\n\n\n<li><strong>30% of your credit score<\/strong> comes from your monthly use of your various lines of credit granted by different lenders (mortgage, line of credit, credit cards, etc).<\/li>\n<\/ul><\/div>\n\n\n\n<p>Example:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>You use $2,500 of your available credit each month, consisting of a single credit card offering $5,000. Your utilization factor is 50%.<\/li>\n\n\n\n<li>You have 2 credit cards with $5,000 each, and always use $2,500. Your utilization ratio will drop to 25%.<\/li>\n<\/ul><\/div>\n\n\n\n<p>It is best to keep the utilization below 30%.<\/p>\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-h'\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-h 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=\"86318\"\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<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>15% of your credit score comes from your credit history<\/strong> in Canada for all your credit lines (cards, mortgages, car loans, student loans, etc.). An average is calculated to establish this score. Thus, it is recommended to keep an &#8220;old&#8221; credit card active in order to maintain a good average.<\/li>\n\n\n\n<li><strong>10% of your credit score comes from diversifying<\/strong> your credit types (mortgage, line of credit, credit card , etc.)<\/li>\n\n\n\n<li><b>10% of your credit score comes from new credit applications<\/b> (cards, loans, etc.). Each time you make a credit inquiry, your credit score will be affected, and a few points will be lost. These points are generally recovered within a few months if you respect the above instructions (notably punctuality and the ratio of use). This means that asking for one or two extra cards will have little impact on your score in the medium term.<\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion-a-word-to-our-snowbirds\">Conclusion: A word to our Snowbirds<\/h2>\n\n\n\n<p>It&#8217;s about time. It&#8217;s about time the borders opened both ways with our American neighbours. Especially for you Canadian <em>snowbirds<\/em> whose wings were clipped during this pandemic. Many of you came back in a hurry and couldn&#8217;t leave again. I thought of those who usually live year round in their motor homes.<\/p>\n\n\n<p>I wish you a nice winter in your motorhome, camper, mobile home, condo or like me, petsitting the cat of another American vacationer.\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='6'\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=\"22642,22642,22640,267909,22641\"\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>\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<h2 class=\"wp-block-heading\" id=\"h-faq-best-credit-cards-snowbirds\">Frequently Asked Questions about the best credit cards for snowbirds<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/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_are_no-fx-fee_credit_cards_a_must-have_for_canadian_snowbirds_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhy are no-FX-fee credit cards a must-have for Canadian snowbirds?\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>Canadian credit cards typically charge a <strong>2.5% foreign transaction fee<\/strong> on every USD purchase, which adds up fast over a 3- to 6-month winter stay in Florida or Arizona. A snowbird who spends <strong>USD 12,000<\/strong> on groceries, gas and dining in the Sun Belt would lose <strong>roughly $300 CAD<\/strong> on FX fees alone with a regular card. No-FX cards like the <strong>Scotiabank Passport&trade; Visa Infinite + Card<\/strong> or the <strong>Scotiabank Gold American Express&reg; Card<\/strong> wipe that surcharge out entirely.<\/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_scotiabank_card_is_best_for_a_snowbird_rsquo_s_long_winter_stay_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich Scotiabank card is best for a snowbird&rsquo;s long winter stay?\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 <strong>Scotiabank Passport&trade; Visa Infinite + Card<\/strong> is the milesopedia favourite for long stays. It charges <strong>no foreign-currency conversion fee<\/strong>, includes <strong>airport lounge access<\/strong> through Visa Airport Companion, and provides solid travel insurance. For premium snowbirds, the <strong>Scotiabank&reg; Platinum American Express&reg; Card<\/strong> doubles down with <strong>10 free Priority Pass lounge visits<\/strong>, no FX fees and <strong>2X Scene+ points<\/strong> on every dollar spent &mdash; ideal for travellers who fly south multiple times each winter.<\/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=\"what_about_hotel_benefits_when_i_split_my_time_between_canada_and_the_us_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat about hotel benefits when I split my time between Canada and the US?\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 <strong>Marriott Bonvoy&trade; American Express&reg; Card<\/strong> is the strongest hotel sidekick for snowbirds. The annual <strong>Free Night Award<\/strong> (worth up to 35,000 points) usually covers a midweek stay at properties along the I-95 corridor or in the southern US, and the card grants automatic <strong>Silver Elite<\/strong> status with 15 Elite Night Credits per year. The <strong>$120 annual fee<\/strong> is comfortably paid back by a single use of the free night benefit.<\/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=\"should_i_open_a_us_dollar_credit_card_if_i_spend_several_months_in_the_united_states_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tShould I open a US dollar credit card if I spend several months in the United States?\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, especially if you also keep a US dollar bank account. A USD credit card lets you pay your American bills directly in USD without any conversion at all, on top of the <strong>2.5% FX fee<\/strong> you already avoid by using no-FX cards above. Pairing a Canadian no-FX card (for daily purchases) with a USD card such as the <strong>BMO U.S. Dollar Mastercard&reg;<\/strong> (for recurring US bills, online subscriptions or Florida property fees) is the cleanest snowbird setup.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Are you a snowbird, or traveling out of the country? Our strategies for saving money with the best Canadian credit cards.<\/p>","protected":false},"author":64,"featured_media":88084,"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],"tags":[],"mc_loyalty_program":[],"class_list":["post-174506","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":null,"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>Best Credit Cards for Snowbirds | Milesopedia<\/title>\n<meta name=\"description\" content=\"Are you a snowbird, or traveling out of the country? Our strategies for saving money with the best Canadian credit cards.\" \/>\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\/best-credit-cards-snowbirds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Credit Cards for Snowbirds\" \/>\n<meta property=\"og:description\" content=\"Are you a snowbird, or traveling out of the country? 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