When looking at credit cards, you typically have two types: cards you use to book travel (for their coverage and insurance), and cards that help you earn points. These cards go hand in hand, but they aren’t always the same card.
American Express Cobalt
This card earns American Express Membership Rewards which are transferable points. You can transfer points to Air Canada Aeroplan, KLM/Air France Flying Blue, British Airways Avios, Delta SkyMiles, Cathay Pacific Asia Miles, and Etihad Guest.
- Earns 5X on dining and groceries
- Earns 3X on streaming subscriptions
- Earns 2X on gas, transit, and rideshare
RBC Ion+
RBC Ion+ earns Avion Rewards which on their own can be transferred to WestJet. However, if you hold a more premium RBC Avion card you can unlock additional transfer partners such as British Airways Avios, Cathay Pacific Asia Miles, and American Airlines AA Advantage.
- Earns 3X on dining, groceries, food delivery, gas, ride share, and streaming services
- Earns 1X on all other purchases
Scotiabank American Express Gold Card
The Scotiabank Gold American Express Card earns Scene+ points. These points can be redeemed through the Scene+ travel (powered by Expedia) or through the “Apply Points to Travel” feature, allowing you to erase travel purchases directly from your statement.
- Earns 6X at Sobeys, Safeway, Freshco, and Foodland
- Earn 5X dining, food delivery, and other grocery stores
- Earn 3X on gas, transit, rideshare, and streaming services
-Alexis