The Credit Cards In My Wallet

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:

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.

With $500 purchases in the 5 point per dollar categories, that’s a minimum of 60,000 points earned. In total, you will accumulate $600 in the first year!

You can easily use these points against your travel purchases, and even 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
• Insurance for delayed, lost or stolen luggage
• Purchase Protection^® Plan
• Flight delay insurance
• $250,000 Travel Accident Insurance
• Buyer’s Assurance^® Protection Plan
• Hotel or motel burglary insurance

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 reservations on Expedia or Agoda
• Premium insurance for your travels and purchases

Finally, the HSBC World Elite^® Mastercard^® does not apply any conversion fees for foreign currency transactions. This represents a saving of 2.5% for each transaction.

And it’s one of the best credit cards for Costco, where you earn 3 points per dollar.

The Carte Marriott Bonvoy^MC American Express^MD is the best credit card for free hotel nights.

You can earn a welcome bonus of 50,000 points that offer free nights at 8,000 Marriott hotels worldwide! And you earn 2 points per dollar on all your purchases.

Plus, each year at renewal, you get a free one-night annual certificate worth 35,000 points. Also, you get 15 Elite nights per year, counting towards your Marriott Bonvoy status.

Finally, this Card has reliable insurance:

• Delayed, lost or stolen luggage insurance
• $500,000 Travel Accident Insurance
• Purchase Protection^® Plan
• Flight delay insurance
• Hotel or motel burglary insurance
• Buyer’s Assurance^® Protection Plan
• Car Rental Theft and Damage Insurance

The American Express Business Edge™ Card is a small business credit card in Canada. The annual fee is only $99. In addition, this credit card offers up to 57,000 Membership Rewards points in the first year, a value of $570.

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.

Of course, I have other credit cards in my wallet, depending on welcome offers or the relevance of the card’s benefits (especially during COVID-19)!

But these four credit cards are the ones I keep as they perfectly fit my lifestyle! What are your favourite credit cards right now?