The Best Credit cards in My Portfolio
These are the credit cards that I think are the perfect combo in my wallet in 2021.
| Card | Why |
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To get 5 points per dollar for groceries, convenience stores, food delivery as well as restaurants and bars.
To get 5 points per dollar for many businesses like Amazon or the SAQ thanks to gift cards |
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To earn 6 points per dollar for travel, for purchases at Costco, Walmart and places where American Express is not accepted
For its $100 annual travel credit |
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To get 5 points per dollar for my Marriott spending
For its Annual Free Night Award (35,000 points value) For 15 Elite Night Credits each calendar year for my Marriott Bonvoy Elite status |
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To get 3 points per dollar for all my electronic devices (Apple, Dell, etc.), office supplies (Office in Wholesale, etc.) purchases
To split my personal expenses from those of my company |
American Express Cobalt™ Card
The American Express Cobalt™ Card is the best credit card from American Express.
With the American Express Cobalt™ Card, you can earn between 1 and 5 points per dollar:
| Category | Points per dollar |
| Grocery | 5 |
| Food delivery | 5 |
| Restaurants and bars | 5 |
| Convenience stores | 5 |
| Gas station | 2 |
| Gas & Transit | 2 |
| Travel | 2 |
| Other | 1 |
You can get up to 30,000 Membership Rewards Points as a Welcome Bonus; that’s a $300 value. You can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card.
So, if each month you spend $500 in the 5x categories, you could get up to 60,000 points or $600 during the first year! You can redeem your points in statement credits towards travel purchases, or even on your everyday purchases. Or you can transfer your points to Marriott Bonvoy or Hilton Honors.
Besides, this Card provides premium insurance :
- Car Rental Theft and Damage Insurance
- Baggage delay insurance
- Lost or Stolen Baggage Insurance
- Flight delay insurance
- $250,000 Travel Accident Insurance
- Hotel or motel burglary insurance
- Purchase Protection® Plan
- Buyer’s Assurance® Protection Plan
HSBC World Elite® Mastercard®
The HSBC World Elite® Mastercard® is a great credit card with no foreign transaction fees, especially for travel purchases.
With the HSBC World Elite® Mastercard®,you earn:
- 6 points per dollar for travel purchases (flights, hotels, Airbnb, all-inclusive, etc.)
- 3 points per dollar for all other purchases
It’s a 1% to 3% value depending on your purchases!
You can apply your points on any travel purchase charged to your HSBC World Elite® Mastercard® (flights, hotels, Airbnb, all-inclusive, etc.). But you can also transfer your points to three airline loyalty programs: British Airways Executive Club, Asia Miles and Singapore Airlines Krisflyer.
Finally, with the HSBC World Elite® Mastercard® you get:
- $100 annual travel credit (for airport lounges, for example)
- Unlimited access to Boingo WiFi hotspots around the world
- 10% discount for hotel bookings on Expedia or Agoda
- Premium insurance for your travels and purchases
Finally, the HSBC World Elite® Mastercard® does not charge any conversion fees for foreign exchange transactions: you save 2.5% for each transaction.
And it’s one of the best credit cards for Costco, where you earn 3 points per dollar.
Marriott Bonvoy™ American Express® Card
The Marriott Bonvoy™ American Express® Card is the best credit card for free hotel nights.
For a limited time, you can earn a welcome bonus of 60,000 points and a $120 statement credit!
Besides, you will receive an Annual Free Night Award after your anniversary each year (35,000 points value) and 15 Elite Night Credits each calendar year, counting for your Marriott Bonvoy status.
With this Card, you earn 2 points per dollar on all your purchases.
Finally, this Card has reliable insurance: Baggage delay, Lost or Stolen Baggage, $500,000 Travel Accident, Flight delay, Hotel or motel burglary, Car Rental Theft and Damage, Buyer’s Assurance® Protection Plan, Purchase Protection Guarantee.
Click on the “Learn More” button for the conditions of this offer.
American Express Business Edge™ Card
The American Express Business Edge™ Card is a small business credit card in Canada. The annual fee is only $99 and this credit card offers up to 42,000 Membership Rewards points in the first year, a $420 value.
You can earn 3 times the points on:
- Office supplies (Staples, etc.)
- electronic (Apple, Dell, etc.)
- Rides
- Gas
- Eats & Drinks
Besides, you can add up to 99 supplementary cards at no cost.