Press review

Updated Mar 18, 2025

Discover our press review, a selection of the most relevant and recent articles, offering enlightening insights into current trends and in-depth analyses on a variety of topics. Stay informed and engaged with our quality content.

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Milesopedia - a Wikipedia dedicated to credit cards and rewards programs

Marie-Ève Fournier - La Presse

Are you a journalist? Would you like to ask us some questions? Do not hesitate to contact us at media@milesopedia.com!

2025

Here are the 3 best travel credit cards to have in 2025
Emmanuelle Gril

Are you a travel enthusiast who wants THE best credit card in Canada for comfort, insurance and savings? This article is for you.

How to get rid of a credit card balance
Emmanuelle Gril

This is the time of year when consumers pay off their holiday credit card purchases—many struggle to do so.

How to get rid of a credit card balance
Emmanuelle Gril

One in two Canadians do not pay off their balance in full at maturity

4 tips for maximizing reward points and miles
Marie-Ève Fournier

Do you enjoy collecting reward points on your credit card or with your favourite airline? Whether they’re redeemed for airline tickets, cash back or merchandise, there are several ways to maximize your points.

MILESOPEDIA 2025 RANKINGS: The Best Programs, Credit Cards, and Bank Accounts
Emmanuelle Gril

If you fly or go on a road trip a few times a year, it’s in your best interest to get a credit card that allows you to collect points and rewards, as well as various other benefits. Milesopedia has analyzed 255 financial products, including 171 credit cards evaluated according to over 190 criteria.

Analysis reveals the best credit card with travel rewards
Noémie Lincourt

If you fly or go on a road trip a few times a year, it’s in your best interest to get a credit card that allows you to collect points and rewards, as well as various other benefits. Milesopedia has analyzed 255 financial products, including 171 credit cards evaluated according to over 190 criteria.

Milesopedia unveils its 2025 list of the best cards and programs for Canadian travelers
Stéphane Desjardins

Two types of credit or prepaid cards can be used abroad: those in foreign currency and those that convert foreign currency.

How to use foreign currency prepaid cards
Béatrice Roy-Brunet


Two types of credit or prepaid cards can be used abroad: those in foreign currency and those that convert foreign currency.

Maximize the hidden benefits of your credit cards
Béatrice Roy-Brunet


A credit card obviously allows you to borrow a pre-approved amount of money, but they can also offer a host of rewards and benefits if used properly. Here’s an overview of the different ways you can take advantage of them.

“There are actually some cards that really offer a lot of benefits, whether it’s reward points for travel or cash back,” explains Marie-Ève Leclerc, web content director of the website Milesopediaa website specializing in credit card comparison and rewards.

2024

Points cards that make you travel
Karl Rettino-Parazelli

With the cost of air travel soaring and the cost of hotel accommodation soaring, it’s hardly surprising that travelers are looking for ways to save money. And banks, airlines and hotel chains are multiplying their offers to win the loyalty of globetrotters. Here’s a roundup of travel points cards.

The Canadian benchmark for travel points is Milesopedia, a company founded almost ten years ago by Jean-Maximilien Voisine. “It’s like the value of the dollar, there’s a devaluation. So you can’t compare a point in 2010 with a point today. We don’t treat these rewards programs like RRSPs. You have to use your points regularly, because they’re only called upon to do one thing: devalue,” explains the founding president.

 
How to choose the right Canadian credit card for your financial needs
Emmanuelle Gril

Getting a credit card can be easy, but choosing the right one for you is much more complicated. Maybe your banker sold you a card with a rewards program and you accepted it. Maybe you got a basic card years ago and never thought about rewards.

Read the rest of the article

Would you like to travel with your rewards?
Noérmi Lincourt

Marie-Ève Leclerc interview with Evans Bergeron.

The miracle of point multiplication
Françoise Goulet-Pelletier

With a bit of skill and discipline, it’s possible to work small miracles with your credit and loyalty cards. Our columnist followed the lessons of a points professional.

Strangely enough, the trick to maximizing your earnings with credit and loyalty cards is to be… unfaithful. But as with love, multiple relationships take time and strategic planning.

 

Continue reading this article on LaPresse.ca.

9 rules for successful online shopping
Nicolas Bérubé

To access the article, follow this link and this one for the presentation page. (article in french)

2023

Fly business class for a fraction of the price (only in french)
Karl Rettino-Parazelli

This trick allows front-row comfort to be yours for a quarter of the usual price. A key word to remember: upgrade.

10 keys to debt-free celebrations
Par Marie-Eve Shaffer, Protége-Vous

To access the article, follow this link and this one for the presentation page. (article in french)

We compared 4 of the best credit cards for students and here are the rankings
Par Danier Germain, les Coops de l'information

Are you a student and the time has come to build your credit? To help you make an informed choice, we’ve compared the best credit cards for students according to Milesopedia, a Web reference on credit cards and loyalty programs.

6 easy credit cards to rebuild your credit rating at Quebec
Marie-Ève Fournier, La Presse

Just because you have bad credit doesn’t mean you can’t build it up again. 🤑

Credit cards: the September hangover
Anne-Sophie Roy, Porte Monnaie

Our journalist’s position on credit cards is simple: if you need one, you shouldn’t have one, and if you don’t need one, you should have several.

6 credit cards with generous welcome bonuses
Stéphanie Bérubé, La Presse

Do I have to change my credit card to benefit from a welcome bonus? Yes, but you have to plan ahead.

Personal finance specialists repeat: keep your oldest credit card to maintain your credit history and avoid having multiple credit cards in your wallet. This way, you preserve your credit rating.

Seven credit cards offering attractive cash back
Pierre Couture, CashMire

Inflation is raging. You might as well use bonus points to pay for groceries. Here are seven of the most generous credit cards.

Reward program points are not RRSPs. With inflation and conditions of use constantly changing, it’s best not to accumulate them.

“During the pandemic, reward programs adapted. As people couldn’t travel, they extended usage to all types of purchases. Most have maintained these conditions,” explains Jean-Maximilien Voisine, founding president of Milesopedia.

Here are the 10 most profitable credit and points cards at Quebec according to one expert.
Nathaëlle Morissette, La Presse

Withinflation hitting everyday budgets hard, every bargain is worth taking. To make the most of every opportunity to have more money in your pocket, you can reduce your expenses by using the right credit card, because there are several rewards systems that allow you to save money on groceries orgas, but also on travel!

Thanks to the judicious use of these offers, some people have even saved up to $10,000 to take a trip across the globe. So Narcity spoke to Jean-Maximilien Voisine, an expert in loyalty and credit card programs, who is president and founder of Milesopedia, a website that compares different banking offers and programs.

Increasingly exclusive discounts at grocers
Marie-Ève Fournier, La Presse

EXCERPT

At IGA, until June 28, a 750-ml case of strawberries from Quebec is $2.44 for Scene+ cardholders. On the other hand, if you’re unlucky enough not to have one, you’ll have to pay $3.99, or about 60% more. On social networks, some people were outraged to see member and non-member prices appearing in several food banners on fruits, vegetables, condiments and other popular foods.

At the same time, several grocery banners have announced changes to their loyalty programs with great fanfare in recent months. Here are our answers to a few questions on the subject.

What has changed?

Since the end of May, the Moi program, promoted by Metro, has included several other banners belonging to the same company: Super C, Jean Coutu, Brunet and Première Moisson. Each dollar spent earns one point, and each 500 points is redeemable for a $4 discount. The Scene+ card, meanwhile, is being introduced in Sobeys-related stores – IGA, Marchés Tradition and Rachelle-Béry – which are dropping Air Miles. These programs allow you to earn points when you purchase certain products. In both cases, personalized offers are also sent to users.

Loblaw-owned chains such as Provigo and Shoppers Drug Mart have a similar program, using the PC Optimum card. The Milesopedia site offers a detailed comparison of the different formulas.

Travel for peanuts playing credit cards
Simon Tremblay, 95.7 KYK

CHRONICLE / When I told my colleague in charge of the business section that I was planning to write a piece on credit card churning, he replied: “Great! A consumer theme!

Negotiate your annual credit card fee
Felix Côté, InfoBref

Many rewards credit cards have an annual fee. They can be salty… up to nearly 600 dollars. What if you tried to get rid of it?

Travel points: travel the world for free... or almost.
Sébastien Lachance, Acadie Nouvelle

Jean-Philippe Khazoom has just returned from a trip to Vancouver, for which he spent just a few hundred dollars, as he did for his skiing trip in Western Canada at spring break.

As for Jean-Maximilien Voisine, he and his family flew around the world in business class before the pandemic, free of charge… or almost. They are among the thousands of Quebecers who have become masters in the art of juggling credit card rewards programs, and who travel the globe with their travel points.

Reward program: the best time to redeem your points
Jean-Nicolas Patoine, Le Soleil

The consumer will gain from this, according to Jean-Maximilien Voisine, president and CEO of Milesopedia, a Web site specialized in loyalty programs and credit cards. “The Air Miles program is still perceived as complex. […] The Scene+ program is much simpler to understand. You can earn points more easily. There’s diversity in accumulation via credit cards, cinemas, restaurants, and travel. And on the usage side, it stays simple too: 1,000 points are worth $10.”

Hurry up and spend all your Air Miles points!
Pierre Couture, CashMire

On March 10, BMO announced the acquisition of Air Miles in Canada. What does this mean for consumers?

AIR MILES, Loyalty Ventures and BMO
Louis-Philippe Brûlé, Cogeco

Gérald Fillion asked Jean-Maximilien Voisine about the future of AIR MILES following the bankruptcy of Loyalty Ventures and the buyout of the program by BMO.

Interview on BMO's takeover of AIR MILES
Sophie Gagnon, Virage Magazine

Interview with Jean-Maximilien Voisine, president and founder of Milesopedia: just as rumors were circulating that the Air Miles rewards program was on the verge of bankruptcy, BMO announced that it would become the owner.

Bankruptcy situation: what happens to the points?
Daniel Germain, Journal de Québec

The BMO Bank of Montreal wishes to acquire Air Miles, which was on the verge of bankruptcy. However, this situation had raised doubts about the risk of losing accumulated points.

What happens in the event of bankruptcy?

On Sans réserve, Jean-Maximilien Voisine, president and founder of Milesopedia, discusses the subject with Luc Ferrandez.

Listen to his full explanation…

BMO acquires Air Miles loyalty program
Le 6 à 9

 

The Air Miles rewards program, owned by U.S.-based LoyaltyOne, is to be taken over by BMO, the financial institution announced in a press release on Friday morning.

This acquisition was proposed by BMO in connection with LoyaltyOne’s Companies’ Creditors Arrangement Act (CCAA) proceedings before the Ontario Superior Court of Justice.

The transaction, the amount of which was not disclosed, is subject to court and regulatory approvals.

Air Miles Program President Shawn Stewart assures us that this has no impact on members’ Air Miles reward mileage balances or their ability to [en] earn and [en] redeem..

BMO has signalled its intention to strengthen its offer to consumers and businesses in Canadaif it is able to bring the Air Miles business from the U.S. to Canada.

Warning signs

The pandemic was difficult for Air Miles, explained Milesopedia president and founder Jean-Maximilien Voisine on ICI RDI, because they do business with local businesses where there was no traffic..

The exodus of users, however, had already been underway for several years, Voisine added.

In June 2022, Sobeys (IGA), Air Miles’ main partner, announced its intention to withdraw from the program, a decision that takes effect on March 22.

Since then, the Milesopedia site has seen more traffic for tips on how to redeem points, its president said. As a result, people are in a hurry to use their points, accelerating the downfall of the Air Miles rewards program, he argued.

Other companies such as Jean Coutu, Rona and the LCBO (Ontario’s equivalent of the SAQ ) have also withdrawn from the program. In the case of Jean Coutu, the withdrawal will take effect this spring. Rona and LCBO have left the Air Miles card behind in 2021.

There will always be programs. There are about twenty big programs in Canada, so people will have to make choices. explained Jean-Maximilien Voisine.

The loyalty program has 10 million active member accounts. BMO and Air Miles have been partners since 1992.

With information from The Canadian Press

 

AIR MILES is about to go bankrupt
Des matins en or

The company behind the Air Miles loyalty program, Loyalty Ventures, is preparing to file for bankruptcy protection in the coming days.

UPDATE | Agreement for BMO to purchase the Air Miles loyalty program

According to Bloombergthe American company, which has lost a large number of customers, has been in negotiations with creditors since this year to reach a restructuring agreement.

Air Miles cardholders will have to hurry to spend their points before the company makes it official in the next few days.

According to Milesopedia, Air Miles has been struggling since the start of the pandemic, which “has only accelerated its decline in the Canadian rewards landscape”.

 
Air Miles is on the verge of bankruptcy
Renaud Larue Langlois, Direction Informatique

The company behind the Air Miles loyalty program, Loyalty Ventures, is preparing to file for bankruptcy protection in the coming days.

BANKRUPTCY LOOMS OVER AIR MILES
Communiqué de presse

The scenario of Air Miles’ bankruptcy seemed far-fetched when it was raised last autumn, so much so that its blue card has long been part of our lives. But it could happen quite quickly. So fast, in fact, that the loyalty program site Milesopedia suggests that its readers spend their Silver and Dream miles as soon as possible.

Air Miles is about to go bankrupt
Par Julien McEvoy, Journal de Montréal

Those who still have Air Miles points have little time left to use them. The company that runs the loyalty program is preparing to file for bankruptcy protection in the United States.

End of Air Miles: what to do with your points quickly?
Par TVA Nouvelles

Loyalty Ventures Inc, which runs the Air Miles loyalty program, is preparing to file for bankruptcy, Bloomberg reported Thursday. What can you do with your points? We asked an expert.

A list of the 9 best credit cards for students is out and it will help you
Par Simon McCabe, Narcity
 
The Best Canadian Credit Cards In 2023 Were Ranked - Here's How To Get More Value For Your $$$
Par Mike Chaar, Mtlblog

Yeah, ’cause choosing a good credit card is no easy task.

A list of the best credit cards in Canada in 2023 has been released, and it's sure to enlighten you.
Par Ariane Fortin, Narcity

Because it’s easy to get lost in all this. 😳

The benefits of fintechs' credit or prepaid cards
Par Stépharne Desjardins, Journal de Montréal
Smart strategies to travel more and pay less
Par Elle Québec

Whether it’s going south for Christmas or visiting Disney World during spring break, we’re always looking for the best package, the best price possible. To this end, it’s a good idea to book three months in advance and be flexible when choosing your dates of stay, but there are plenty of other tricks up your sleeve!

Tools to help you choose your new credit card
Par Stépharne Desjardins, Journal de Montréal

When used wisely, a credit card offers undeniable advantages, especially if you are struggling with inflation.

But we need to use a card that better suits our needs.

2021

Save money this holiday season
La Presse+

It’s possible to save money over the holidays by adopting the right reflexes.

Travel: no more checked luggage!
Frédérique Guay - TVA Nouvelles - Québec Matin

With the difficulties experienced by airlines last summer, are you thinking about traveling with only carry-on luggage? Good idea. You will save time and money, but it is necessary to use strategy.

Air Miles' setbacks and the future of loyalty programs
Radio-Canada
CHRONICLE / I would like to start by offering my apologies. I think I inadvertently rekindled a trauma in a few readers. From the messages you’ve sent me in response to my column on Tuesday, I can deduce that some of you have already been victims of bullying and sarcasm, and that the scars of that abuse are still deeply ingrained.
Jean Coutu also to drop Air Miles
Lien Multimedia

Things are changing in the world of loyalty programs. Three months after IGA, Jean Coutu has announced that it is abandoning its Air Miles loyalty program. The change is part of a new Metro strategy that also affects its eponymous chain, Super C and Première Moisson.

Discover how he managed to pocket $500... with gift cards!
Louis-Philippe Brûlé, Cogeco

Félix Guay-Vachon buys between $700 and $900 worth of gift cards a month at the grocery store. Why spend that small fortune on prepaid cards? It’s simple, because his card offers him 4% cash back on his purchases, but only in grocery stores. This technique – still unknown – brings him no less than $500 per year.

Consumerism Canadians are credit card crazy
Vivement le retour

Nearly 83% have at least one credit card, according to a recent analysis.

Retailer loyalty programs are popular
Marie-Ève Fournier, La Presse

In this segment of the Ca$hMire podcast, Pierre Couture talks about retailer loyalty programs, which are more popular than ever with consumers looking for discounts and cash back. The best credit cards available with the founder of Milesopedia, Jean-Maximilien Voisine

Canadians expect much more than they actually get
Daniel Germain, Journal de Montréal

While loyalty program membership is gaining in popularity with consumers looking to save money, they are also becoming a necessity for retailers. “It is now an obligation,” says Jean-Maximilien Voisine, president and founder of Milesopedia, an information and reference site on the various loyalty programs.

Will you make the leap from Air Miles to Scene+?
Stéphane Tellier, FM 103,3

“For it to be complete, you’ll need a credit card, as is the case with PC Optimum [Loblaw]. If you want to get the best value, you’ll need a credit card,” predicts Jean-Maximilien Voisine, founder of Milesopedia.com, an expert in credit cards and rewards programs.

The end of Air Miles at IGA is causing quite a stir in the industry!
Stéphane Desjardins, Journal de Montréal

Jean-Maximilien Voisine, founding president of Milesopedia.com, the largest community of users of these programs in the country, keeps telling his members that bonus points are not RRSPs.

“You have to use them over a 12- to 24-month horizon,” he adds.

It suggests that consumers set specific goals, such as using points for specific aspects of their consumption or travel (car rental, purchase of home improvement materials or gasoline…).

And to have options, such as using them for a trip to Canada during a pandemic.

IGA to switch from Airmiles to Scene+.
Stéphane Tellier, FM 103,3

“We’ve been seeing Airmiles lose partners for several years now. Now, one of its biggest partners is leaving,” says Jean-Maximilien Voisine, founding president of Milesopedia, a site specialized in loyalty programs and credit cards, in an interview with InfoBref.

Air Miles card will no longer be accepted in New Brunswick grocery stores.
Brigitte Bruneau, Virage Magazine

“Here’s some news that’s shaking up the world of rewards programs in Canada! Scotiabank and Cineplex are pulling off a major coup by teaming up with the Empire Group to bring the Scene+ program to hundreds of grocery and drug stores across the country. And they’re doing it in a bid to combat the equally well-established PC Optimum program,” reads a post on the Milesopedia.com blog, a reference site on loyalty programs and credit cards.

Sobeys and IGA drop Air Miles for Scene+.
Jean-Nicolas Patoine, Le Soleil

It’s a win-win situation for the consumer, according to Jean-Maximilien Voisine, CEO of Milesopedia, a website specializing in loyalty programs and credit cards. “The Air Miles program is still perceived as complex. […] The Scene+ program is much simpler to understand. You’ll be able to earn points more easily. There’s diversity in accumulation via credit cards, via cinemas, via restaurants, via travel. And on the usage side, it stays simple too: 1,000 points are worth $10.”

The best credit cards available
Pierre Couture, CashMire

Milesopedia.com founder Jean-Maximilien Voisine is on the Ca$hMire podcast this week. He comes to talk about the strong recovery of the travel industry, the best credit cards available on the market and how to monetize them. We also talk about private airport lounges that can be accessed with certain credit cards.

The "best" credit cards available in Canada.
Louis-Philippe Brûlé, Cogeco

Interview with Jean-Maximilien Voisine, CEO of Milesopedia.

25 strategies to maximize your vacation budget
Sophie Gagnon, Virage Magazine

When using your credit card abroad, always choose to pay in local currency rather than Canadian dollars. Please note that the conversion rate is set by the merchant and is always higher than the rate charged by your bank.

Check out the best credit cards with no conversion fees on Milesopedia.

Find the best credit card for you!
Daniel Germain, Journal de Québec

Milesopedia, a Quebec-based credit card and loyalty program comparison service, compiled a list of the most advantageous cards by category earlier this year.

The best credit card choices
Le 6 à 9
Partnerships for the Quebec company Milesopedia
Renaud Larue Langlois, Direction Informatique

Milesopedia, a credit card comparison platform with over 500,000 monthly users, has entered into a series of partnerships with players in the online personal finance management tools industry.

2020

Milesopedia : the reference to travel with your credit card rewards
Stéphanie Grammond, La Presse

Traveling first class on a New York-Dubai flight with Emirates for only $700, when it would normally cost $15,000: mission impossible? Not for Jean-Maximilien Voisine, who, thanks to his credit cards and a few tricks, manages to benefit from a host of advantages when he travels.

Milesopedia, the information site he launched in 2015, is a reference in Canada for loyalty programs and rewards point credit cards, so much so that its credit card comparator has become the official comparator for Protégez-Vous. He shares some tips with us here.

How to choose your credit card?
Daniel Germain, Journal de Montréal
vat new credit cards
vat new credit cards
A new credit card comparison tool
Radio-Canada
Partnership between Protégez-Vous and Milesopedia
Lien Multimedia

Milesopedia.com, which offers credit card comparison solutions, has entered into a long-term partnership with Protégez-vous. The Montreal-based company, founded in 2015, thus continues its mission to help Quebecers make the best credit card choices for their needs.

Protégez-Vous has partnered with Milesopedia to create a site to help you choose THE credit card that best suits your needs.
Louis-Philippe Brûlé, Cogeco

Interview with Jean-Maximilien Voisine, president and founder of Milesopedia.

Chicken instead of interest
Marie-Ève Fournier, La Presse

For its part, Milesopedia – a Wikipedia devoted to credit cards and rewards programs – believes that PC Argent “very clearly wants to attract” people who don’t have access to credit. If you’re already a PC Optimum customer, “there’s no reason not to get this prepaid card”, it concludes.

What to consider before choosing your first credit card
Daniel Germain, Journal de Montréal

You can’t go wrong with your first card, because it’s in your interest to hold on to it for as long as possible.

“The longer he keeps it, the better his credit score will be,” says Jean-Maximilien Voisine, founder of Milesopedia, a Quebec-based website specialized in loyalty programs and credit cards. Stability fosters a good credit rating, and this quality is measured, among other things, by the duration of your cards.

Initially, avoid all those that require an annual fee. There will come a time when it will no longer be used, but will be kept only to gild your record.

“A common mistake is to order a new card from the parents’ account,” warns Jean-Maximilien Voisine. To build his or her case, the child must cut the cord and use his or her own card. And, of course, he must pay his balance each month before the due date and use only a fraction of the card’s capacity.

Travel (almost) free with Milesopedia
Stéphane Tellier, FM 103,3

Stéphane Tellier talks to Jean-Maximilien Voisine, president and founder of Milesopedia.com, about loyalty programs, credit cards and travel.

Your bonus points from loyalty programs are not RRSPs!
Stéphane Desjardins, Journal de Montréal

Jean-Maximilien Voisine, founding president of Milesopedia.com, the largest community of Milesopedia users in the country, keeps telling his members that bonus points are not RRSPs.

“You need to use them over a 12 to 24-month horizon,” he adds.

It suggests that consumers set themselves specific goals, such as using the points for a particular aspect of their consumption or travel (car rental, purchase of renovation materials or petrol…).

And to have options, like using them for a trip to Canada in time of pandemic.

Milesopedia's list of the best things to do during spring break
Stéphane Tellier, FM 103,3

Stéphane Tellier talks to Brigitte Bruneau, author on Milesopedia.com, about the many activities available during spring break at Quebec.

Small points go a long way
Brigitte Bruneau, Virage Magazine

I still bless that spring evening when I discovered strategies to save money and travel better!

For all information on optimizing reward points earned through loyalty programs and credit cards, the Quebec-based Milesopedia site is the reference in Canada, especially as it is accompanied by a very large community of members who help each other out and give each other tips!

2019

Points, miles... but no more trips!
Youcef Ghellache

Last March, Jean-Maximilien Voisine was in Australia in the middle of a five-month round-the-world trip with his family when the pandemic forced him to return to Quebec. He had to write off the rest of his journey funded by years of accumulating points.

“We left in December. We were going to end up in Japan,” says the founder of the Milesopedia website, dedicated to tips for maximizing the benefits of travel credit cards.

But after nine months of the pandemic, travel credit cardholders are wondering whether they should keep this type of card, which costs them $100 to $150 in annual fees and no longer offers many benefits.

Travel insurance, VIP airport lounges, free baggage, discounts for Las Vegas shows… It’s not long before these little treats are back in style.

But think twice before you cancel your card. If you have had it for a long time, it can hurt your credit score. In addition, you will automatically lose the extended warranty that covers all products purchased with your card.

Instead, Mr. Voisine suggests negotiating a reduction in annual fees with your financial institution. “We have multiple examples in our community,” he says. Several issuers have made adjustments to avoid losing a customer. They’ve removed half or even all of their annual fee.”

Nothing ventured, nothing gained.

The best way to maximize your points is to look beyond air tickets. “Our readers were encouraged to broaden their view of travel to include the concept of vacation,” Voisine says.

We tend to forget it, but hotels, cottages, Airbnb, campsites, train tickets and car rentals also fall into the “travel” category of credit cards. You can plan a great vacation at Quebec or in Canada.

Please note that your loyalty card points are not RRSPs!
Daniel Germain, Journal de Montréal

As of 2018, however, programs are better regulated. Points can no longer expire (wow!), just as it is no longer possible for issuers to drastically devalue the units in their program.

Still, it’s hard to follow. The rules are written in fine print and can change at the whim of the program promoter. When the company goes bankrupt, the points are lost and, in the event of the holder’s death, they can rarely be transferred at their full value.

So, a reminder to those who rely on their points to fulfill their retirement plans, it’s risky to say the least. A loyalty program is not an RRSP.

“We recommend a 12 to 24 month vision,” advises Jean-Maximilien Voisine, founder of Milesopedia, a website specialized in loyalty programs.

In his view, these programs should be considered as savings accounts linked to specific projects, but whose value remains uncertain.

2018

How can I travel FREE with my credit card?
Stéphanie Grammond, La Presse

For Aeroplan members, the uncertainty continues. Those who were confident that the program would not change by 2020 are now wondering if Air Canada will make any changes once the deal closes next fall.

“What’s going to happen? Are they going to touch the fare grids? Are they going to touch the value of the miles? We don’t really know. And that’s what worries me a little bit,” said Jean-Maximilien Voisine, founder of Milesopedia, a website that specializes in the analysis of loyalty programs and credit cards.

2017

Cancel the divorce (Air Canada / Aeroplan)!
Maxime Trudel, LCN

ForAeroplan members, the uncertainty persists. They were certain that the program would remain unchanged until 2020, and are now wondering whether Air Canada will make any changes as soon as the deal closes next autumn.

“What’s going to happen? Are they going to touch the fare grids? Are they going to touch the value of the miles? We don’t really know. And that’s what worries me a little,” confided Jean-Maximilien Voisine, founder of Milesopedia, a website specializing in the analysis of loyalty programs and credit cards.

Around the world in 80,000 miles
Maxime Trudel, Journal de Montréal

What exactly do you do with Milesopedia?

Mostly, I explain to people how to use their points. I’m at the point where I’m going to exploit all the loopholes in rewards programs, but just knowing how to use your miles to get from point A to point B can be as silly as it sounds, well, it’s hard for most people. I try to address these issues.

Air Canada acquiresAeroplan
Rémi Leroux, Protégez-Vous

In its July 2017 issue, Protégez-vous took a look at advances in the AIR MILES loyalty program in an article titled: Finally, has AIR MILES delivered on its promises? Milesopedia was interviewed for the occasion. We invite you to find the full interview in the July 2017 magazine!

Jean-Maximilien Voisine, founder of milesopedia.com, a Quebec-based site specializing in loyalty programs, believes that the seduction campaign is far from being won. “Let’s face it, Air Miles is in a very difficult position, one that LoyaltyOne has put itself in over the past few months.” The company, he says, still has work to do to regain the trust of its members.

A strategy that could quickly show its limits if miles come to be devalued, believes Matthieu Guyonnet-Duluc, blogger for milesopedia.com: “LoyaltyOne could choose to modify the program by decreasing the value of miles in order to compensate for the financial losses weighing on its profitability.” The cancellation of the miles expiry policy in 2016 cost LoyaltyOne around $200 million, as members will finally have the opportunity to use their miles that were due to expire.

Jean-Maximilien Voisine believes that Air Miles would be better served by simplifying its operations, for example by eliminating the distinction between the Dream and Silver reward systems or, failing that, by allowing consumers to freely migrate miles from their Dream account to their Silver account – and vice versa.

Turbulence ahead for members Aeroplan
Philippe Orfali, 24H / Journal de Montréal

In the Journal de Montreal and in 24H, journalist Philippe Orfali writes on 22/08/2018 aboutAeroplan in an article: Turbulence in sight for members Aeroplan:

“If it goes through, the transaction will produce the best possible scenario for Aimia shareholders as well as members,” says Air Canada CEO Calin Rovinescu. “It will allow for the smooth transition of Aeroplan points to Air Canada’s new frequent flyer program, as well as the protection of points.”

But for Jean-Maximilien Voisine of Milesopedia, this is probably bad news for the program’s members:

“The consortium will acquire […] a huge debt of $1.9 billion, the value of all Aeroplan miles currently in circulation. No doubt they’ll try to make up for it by devaluing the program,” he says.

The complex but accessible science of air miles programs
Stéphan Bureau, Ici Première - Medium Large

Maurice Jean uses 15 to 20 different credit cards to collect travel points. He estimates that with less than $40,000 in purchases per year, you can get 10% back in usable points.

In the company of Stéphanie Grammond, consumer columnist, and Jean-Maximilien Voisine, loyalty program expert, he talks to Stéphan Bureau about the best strategies for accumulating miles.

A ray of sunshine forAeroplan
Stéphanie Grammond, La Presse

The agreement (between Aeroplan and Air Transat) is a great growth opportunity for Transat,” says Benoit Poirier, financial analyst at Desjardins.

It’s also an asset for consumers,” assured me mile hunter Jean-Maximilien Voisine, author of the Milesopedia.com website.

10 hidden treasures of your credit cards
Stéphanie Grammond, La Presse

I have listed a dozen of these little sweets with the help of Jean-Maximilien Voisine, from the loyalty program analysis website Milesopedia.

Suitcases, seat selection and parking / Airport lounges / Flight pass / Sus for currency exchange / Luxury at the hotel / Insurance…

2016

Travelling with your points: tips for doing so
Rémi Leroux

Columnist and digital marketing specialist Maxime Trudel conducted an interview on TVA’s LCN with the subject “Travelling with your points: tips for getting there”(In your pockets column).

He mentions milesopedia as the only French-Canadian reference for learning and informing yourself about loyalty programs.

The more flexible you are when it comes to travel, in terms of dates and destinations, the easier it is to use them, because not all flights are available, and there are a limited number of seats available for people who want to buy with their points,” adds Maxime Trudel, who also recommends making arrangements in advance.

The digital marketing expert also suggests finding out about the different programs, as it is sometimes possible to transfer points from one to another.

“You have to play around with it a bit, but there are ways of treating yourself to a great vacation, inexpensively, anywhere in the world,” concludes Maxime Trudel, explaining that certain websites like Milesopedia help people see things more clearly and get the most out of their loyalty program.

Traveling with your points is possible!
Claudine Hébert

Maxime Trudel published an article in the Journal de Montreal on the theme ” It’s possible to travel with your points” :

A “free” trip is planned by selecting the right map. The best way to earn miles is through the generous sign-up bonuses of the major cards. When on promotion, you can sometimes get a free flight on your first purchase, which would otherwise require you to spend tens of thousands of dollars.

(…) if the idea of cheap travel appeals to you, start by learning about it. At Quebec, milesopedia.com and its Facebook group are the most comprehensive source of information on the various cards available, and a great way to exchange tips with other travellers. Have a good trip!

Finally, has AIR MILES lived up to its promise?
Rémi Leroux, Protégez-Vous

In its July 2017 issue, Protégez-vous took a look at advances relating to the AIR MILES loyalty program in an article entitled: Finally, has AIR MILES kept its promises? Milesopedia was interviewed for the occasion. We invite you to find the full interview in the July 2017 magazine!

Jean-Maximilien Voisine, founder of milesopedia.com, a Quebec-based site specializing in loyalty programs, believes that the seduction campaign is far from being won. “Let’s make no mistake: Air Miles is in a very delicate position, one that LoyaltyOne has put itself in over the last few months.” The company, he asserts, still has work to do to regain the trust of its members.

A strategy that could quickly show its limits if miles come to be devalued, believes Matthieu Guyonnet-Duluc, blogger for milesopedia.com: “LoyaltyOne could choose to modify the program by decreasing the value of miles in order to compensate for the financial losses weighing on its profitability.” The cancellation of the miles expiry policy in 2016 cost LoyaltyOne around $200 million, as members will finally have the opportunity to use their miles that were due to expire.

Jean-Maximilien Voisine believes that Air Miles would do better to simplify its operations, for example by eliminating the distinction between the Dream and Cash reward systems or, failing that, by allowing consumers to freely migrate miles from their Dream account to their Cash account – and vice versa.

2015

Useful resources for travelers
Claudine Hébert

Protégez-vous has listed over 50 useful resources for Quebec travellers. milesopedia is obviously one of them!

Master the hunt for discounts and rewards
Rémi Leroux

“Rebate and reward hunters need to be disciplined so that cash returns don’t go to late fees,” says Jean-Maximilien Voisine, founder of the Milesopedia site and blog. This French-language site is one of the few at Quebec to cover the benefits of mileage hunting in the credit card world. Self-employed workers who accumulate a lot of expenses and frequent travellers are among the consumers most spoiled by the multiple offers of credit cards, argues Jean-Maximilien Voisine.

Don’t hesitate to select competing credit cards from your financial institution. If your current expenses are significant, negotiate an annual fee waiver, suggests Jean-Maximilien Voisine. “If the answer is no, cancel your card before the anniversary date and look for another one with no annual fee,” he continues.

What about your credit report?

As long as your credit card balances are paid in full each month, having multiple cards does not in itself harm your credit report,” maintains Jean-Maximilien Voisine. He has held more than 30 different credit cards over the past five years without a single blemish on his credit record.

Paying off card balances a few days in advance and limiting credit utilization to 30% of total limits are factors that improve credit scores.

2015

Become a mile hunter
Claudine Hébert

Jean-Maximilien is launching a blog these days, milesopedia.com. This will be the very first French-language site to address strategies for accelerating the accumulation of points and miles from the various loyalty programs (credit cards, hotels, airlines, etc.) available on the market. And contrary to what one might think, his credit rating is not worse. It is even excellent. (…)

Jean-Maximilien Voisine, like 70% of Canadian consumers, pays his sales on the nose every month. Unless you’re a millionaire, or use your credit card(s) for business purposes, very few people in this country break the 300,000-point barrier every year through tricks and schemes.

Major Credit Card Survey
Rémi Leroux

Protégez-vous conducted a major annual survey of 70 credit card loyalty programs. The article featuring milesopedia is available to subscribers:

Nicknamed “Mr. Miles” by his friends, Jean-Maximilien Voisine is a point hunter.

Noting that the details of credit card loyalty programs were often in English, in the summer of 2015 he created the Milesopedia site to help Quebecers understand and optimize their “points and miles assets,” which most consumers accumulate without really knowing what to do with them.

Choosing a credit card to earn rewards is no easy task. “There’s a clear lack of education about loyalty programs,” he notes, referring to the 500 or so Internet users who visit his site every day, looking for advice and information.

Loyalty programs: how to take advantage of them
Ici Radio-Canada

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