Harry Potter is a major cultural element of the 20th century; whether you’re a fan yourself or the parent of one, chasing experiences related to Harry Potter can tally up quite a bill.
Credit card rewards and points can greatly help us offset those expenses.
The Wizarding World of Harry Potter at Universal Studios
The Universal Studios theme parks are the best way to immerse yourself in The Wizarding World of Harry Potter.
As a super fan, the moment you step in Hogsmeade and hear the movie’s instrumentals playing in the background is magical and you’re instantly transported to snowy Scotland.
In Orlando, Universal Studios is a resort with different parks that are connected with none other than the Hogwarts Express. Yes, you can ride on THE train! How cool is that?
The Harry Potter and the Forbidden Journey ride in the Castle was a good and memorable one; I felt like I was flying around the grounds! This ride is popular but the setups you go through while you wait is amazing. You pass across Hogwarts’ castle before reaching the ride.
Also, you get to buy your own wand (as long as it chooses you) and flick it around specific spots to do some magic!
In case you’re hungry or thirsty, you can grab a bite at the Three Broomsticks or have some Butterbeer.
Universal Studios can be quite expensive with those $8US Butterbeers, but there are a few tricks you can pull off to make your Harry Potter holiday more affordable.
If you don’t know what to do with your AIR MILES Dream Miles, you can get some good value by redeeming them for Universal Studios Park tickets.
Furthermore, you can go through websites such as UnderCover Tourist for discounted tickets and to be able to use travel rewards points for a statement credit.
For more details on how to save at Universal Studios, here’s our ultimate guide:
Harry Potter and the Cursed Child
Back in 2016, the Harry Potter and the Cursed Child play was written based on an original story. The tale focuses on Harry Potter’s life and family after the end of the book series.
The two-part play was initially only performed in London before moving on to Broadway in New York.
Tickets were very expensive back then; if I remember correctly, it was nearly half a grand to see both parts of the show. In 2021, there have been new productions in several locations such as in Toronto and San Francisco that are more affordable.
This Harry Potter play is currently still running as we speak in Toronto and is a must for any fans.
That translates to a 20% discount and you can redeem your Membership Rewards for a statement credit to cover the cost of your tickets.
While that offer has ended, we may see it again as the show is still ongoing until March 2023 at the least. So it would be wise to sign-up for an American Express credit card and savour amazing bonuses and perks besides potential offers and credits like that one.
Toronto is also simple to get to from other major hubs in Canada with reward points. For a mere 6,000 Aeroplan points from Montreal, you can spend a weekend there and enjoy the play along with the city.
Harry Potter in the United Kingdom
There is no shortage of things that can bring out the wizard in you throughout England and Scotland.
The author, J. K. Rowling, is from the UK and wrote the first chapters of Harry Potter in a coffee shop in Edinburgh, Scotland. You can still visit it nowadays.
Edinburgh itself can transport you to the world of Harry Potter even if their castle isn’t exactly Hogwarts.
Also in Scotland, you can hop on the Jacobite Steam Train, which is the train that is used as the Hogwarts Express in the movies! The iconic photo of this train can be taken from the Glenfinnan Railway Viaduc.
Harry Potter Filming Locations
The main spots are in Oxford and in London even if you can find sites around the country.
In Oxford, you can locate a lot of historic buildings and backgrounds that were used in the Harry Potter films.
Oxford
Christ Church College
Bodley Tower Staircase: where the trio met McGonagall for the first time
Cloisters: Hogwarts hallways
Dining hall: inspiration for The Great Hall
New College
The giant Oak tree: where Malfoy gets turned into a ferret
Cloisters: hallways
Courtyard: where Harry warns Cedric about the dragons
Bodleian Library
Divinity School: hospital wing
Duke Humphrey’s Library: restricted section of the school’s library
You can reach Oxford in about an hour from Paddington Station and do this little Harry Potter tour by yourself.
London
In London, you can also wander around many filming locations:
King’s Cross: Platform 9 3/4
St Pancras Station: King’s Cross in the film
Australian High Commission: Gringott’s Bank
Leadenhall Market: Leakey Cauldron
Millennium Bridge: Brockdale Bridge
Piccadilly Circus: where the trio ends up after fleeing from Bill and Fleur’s wedding
London Warner Brothers Harry Potter Studio Tour
For any Harry Potter fan, this Studio Tour is breathtaking as you can walk through the sets of the Great Hall, the Forbidden Forest, Diagon Alley, Privet Drive and much more.
There are also many authentic props and costumes on display.
You need to purchase your tickets in advance and they can sell out quickly. As of October 2022, prices are as follows:
Ticket
Price
Adult
£49.95
Child (5 to 15 years)
£39.95
Family (2 adults and 2 children)
£159.00
You can also add an Afternoon Tea experience to you tour in the Food Hall for £60.00 for two.
By doing so, you’ll pay the best rate of the day. However, you won’t be able to use the points for a statement credit since this will pass as “entertainment” instead of ”travel”. That isn’t in vain though since you can save those points to cover your stay or airfare to London!
If you’re short on time, you can book a Harry Potter Studio Tour and Oxford Day Trip on Viator.
Travelling to the United Kingdom with points and miles
Flights
Getting to London with Aeroplan can be a bit difficult; while you can still find reasonable award flights for your Harry Potter-themed holiday, the valuation isn’t always great when you factor in the high taxes and fees imposed by the United Kingdom.
For example, this 63,800 points return fare to London is a standard rate to cross the Atlantic.
But since the cash price is at $833 for the same flight, the point valuation is way below our 2 ¢ target.
($833 – $282) ÷ 63,800 points x 100 = 0.86 ¢
Also, that valuation is achieved by comparing apples to apples. Other flights are available on those dates at a cheaper price (there is an extra stopover, but you do save over $200 per person which can be significant, especially for a family).
So when looking at those rates, I’d definitely book with cash and redeem points for statement credit.
Signup bonuses from cards such as the National Bank World Elite Mastercard can drastically reduce your airfare costs on this Harry Potter vacation. Besides, that card offers amazing travel insurance for you and your whole party.
Accommodation
For a Harry Potter holiday (especially if you’re travelling with children), I would opt for AirBnB. Accommodation in London is expensive and while there are many Marriott establishments in the city where you can find good value for your points and Free Night Award Certificate, it could still be more reasonable to go with AirBnB.
Public transportation is efficient in London so it doesn’t matter if you’re a bit out of town during your stay.
Afterwards, you can redeem your points for a statement credit. So it’s a great way to save on accommodation on your Harry Potter holiday as points on the American Express Cobalt Card racks up pretty quickly.
On the other side, you could take advantage of this trip (airfare, accommodation, Harry Potter tours and tickets) to meet the minimum required spending for a new credit card. By doing so, you would get the best return in terms of points.
Bottom Line
Whether it’s Disney, Star Wars, Lord of the Rings or Harry Potter, the industry knows how to milk it out of fans. While there are plenty of free sites you can visit in terms of filming location, to get the full Harry Potter experience can be expensive.
Thankfully, credit card rewards can work their magic in many ways so we can explore Harry’s world without jeopardizing our savings!
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$255
Welcome offerGet 1,250 points after $750 in purchases per month for 12 months
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
The American Express Cobalt® Card is a versatile American Express card, whether you want points for travel or cash back.
American Express Cobalt® Card welcome offer
The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer valued at $255.
Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.
You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.
You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:
15,000 Aeroplan points
15,000 Avios points
15,000 Flying Blue Miles
18,000 Marriott Bonvoy points
American Express Cobalt® Card benefits
Here is what the card gives you, starting with the benefits cardholders use most.
5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, and home food delivery. A spend cap applies.
3X points on eligible streaming subscriptions in Canada.
2X points on eligible gas, public transit and ride sharing purchases in Canada.
1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
1X point per dollar on everything else, with no category restrictions.
Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
No minimum income requirement, as with every American Express Canada card.
Additional cards at no extra cost: the first and every other supplementary card is $0.
The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.
The 5X categories and where they apply
The 5X rate is the reason most people carry this card. In Canada it covers three kinds of merchants:
Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
Restaurants and bars: sit-down meals, takeout and drinks.
Home food delivery.
Convenience stores (Couche-Tard, 7-Eleven): not part of 5X, 1 point per dollar.
The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.
With the American Express Cobalt® Card, you earn between 1 and 5 points per dollar:
Category
Points per dollar
Grocery (Metro, IGA, Sobeys, Super C, etc.)
5
Home food delivery
5
Restaurants and bars
5
Convenience stores
1
Streaming services
3
Service station
2
Transport
2
Travel
1
Other
1
That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.
You can also stack these categories with the hundreds of stores that offer 5x points.
American Express Cobalt® Card insurance coverage
The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.
Travel insurance
Emergency medical: up to $5,000,000 for the first 15 days of a trip.
Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.
Rental car insurance
Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.
Mobile device insurance
Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.
Purchase protection and extended warranty
Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.
American Express Cobalt® Card fees
Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
Additional cards: $0.
Purchase interest rate: 21.99%.
Cash advance interest rate: 21.99%.
Foreign transaction fee: 2.5%.
Minimum income required: none.
Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.
Legal
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Annual fee
Primary card$191.88
Additional card$0
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
5xRestaurants
5xGroceries
3xStreaming
2xTransit
2xGas
1xAll spending
Value
1st Year Value$1,675
2nd Year Value$799
Transfer partners
AeroplanAirline
British Airways ClubAirline
Cathay Asia MilesAirline
Etihad GuestAirline
Flying BlueAirline
Hilton HonorsHotel
Marriott BonvoyHotel
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000
Purchase protection
Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Its welcome offer lets you earn up to 70,000 BMO Rewards points, for a total value of up to $1,150*.
It also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value)*.
With the BMO eclipse Visa Infinite* Card, you also get:
5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
1 BMO Rewards point for every dollar spent on all other purchases*
10% more points when you add an authorized user to your account*
Mobile device insurance offering coverage up to $1,000*
The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*
Legal
*Terms and conditions apply
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
Annual fee
Primary card$120
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
5xTransit
5xGas
5xRestaurants
5xGroceries
1xAll spending
Value
1st Year Value$1,128
2nd Year Value$365
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 21 days
Travel medical (55-64)Up to $5,000,000 / 21 days
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days
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