What is the best credit card for a snowbird?

The best card is one with no foreign transaction fees, which wipes out the 2.5% charge on every U.S.-dollar purchase. The Scotiabank Passport Visa Infinite + and the Scotiabank Platinum American Express are top choices, with good travel insurance included.

How long can a snowbird stay in the United States?

Generally, a Canadian can stay up to 182 days per 12-month period in the United States. Beyond that, tax rules apply. Also check your provincial health plan, which often requires a minimum presence in the province each year.

Does RAMQ cover medical costs in Florida?

RAMQ reimburses only a small share of medical costs incurred outside Quebec, well below actual U.S. prices. Private travel insurance suited to long stays is essential to cover a hospitalization or emergency.

How do I avoid foreign transaction fees?

Use a credit card with no foreign transaction fees for purchases, and a multi-currency card like Wise for cash. You then pay at the interbank rate and avoid airport exchange counters, which offer the worst rates.

Is my credit card insurance enough for the winter?

Rarely for a stay of several months. Included coverage is often capped at 15 or 31 days per trip, and drops after 65. Check the exact duration, then extend the coverage or buy a long-stay policy from a specialized insurer.

Can you pay for a flight to Florida with points?

Yes, and it is often an excellent use of your points in high season. A round trip to Florida often starts around 25,000 points, while the cash fare easily climbs above $500 over the holidays.

Can a snowbird get a U.S. credit card?

Yes, by building a credit file in the United States. A U.S. card is billed in U.S. dollars, which removes any exchange fee, and gives access to welcome bonuses that are often more generous than in Canada.

Are there cheaper destinations than Florida?

Yes. Portugal, Mexico, Costa Rica and Spain attract more and more snowbirds, sometimes for a lower cost of living. The same currency and insurance habits apply, no matter the country you choose.