It’s the perfect credit card for those who hesitate between travel points and cash back.

Here are 8 reasons why you should have the American Express Cobalt^® Card in your wallet:

1. Earn 5X the points at grocery stores, restaurants and Couche-Tard/Circle K
2. Flexibility to use points as you wish: cash back for all your expenses (including travel), transfer to other rewards programs such as Marriott Bonvoy or Aeroplan, use American Express fixed chart for flights
3. Perfect for learning how reward points work
4. Welcome bonus of 1,250 additional points per month
5. Regular online promotional offers to recoup a large part of the monthly card fee
6. Excellent customer service from American Express
7. No minimum income required
8. Monthly fee: you can better spread your card fees over your annual budget or cancel your card if it doesn’t suit you without being charged a full annual fee

A few months ago, we surveyed to find out the community’s favourite fast-earning credit card (5X).

Out of 247 votes, 236 chose the American Express Cobalt^® Card!

As a complementary credit card, there is this great Mastercard credit card.

Here are 7 reasons why you should subscribe to the National Bank World Elite Mastercard:

1. 5 X the points for groceries and restaurants ;
2. Great simplicity in the process of obtaining the refund of $150 of travel credit each year;
3. Among the best travel insurances in the industry, offering you peace of mind;
4. Extended warranty on items purchased with the card for up to 2 additional years;
5. Unlimited access to the National Bank VIP Lounge at Montreal-Trudeau International Airport;
6. A Mastercard: perfect for use at Costco ;
7. Take advantage of one of its rare welcome offers of the year.

Here is how I used my NBC points to make my hotel room at Château Frontenac cost less.

Here are 6 reasons why you should subscribe to the Scotia Passport Visa Infinite Card:

1. Excellent travel insurance;
2. Points can be redeemed as you wish, to pay for the trip of your choice or via Scene+ Travel by Expedia, or to pay for groceries at IGA, Sobeys, Foodland and others;
3. No foreign currency conversion charges (savings of 2.5%) ;
4. 6 free VIP airport lounges;
5. 3 Scene+ points/$1 purchase at grocery stores (IGA, Les Marchés Tradition, Rachelle-Béry and others) ;
6. 2 Scene+ points/$1 purchase for other grocery stores, restaurants, entertainment and public transport.

With 35,000 Scene+ points (a value of $350), you could pay off your hotel bill, a plane ticket, or a TGV reservation as in this example: