
I am often asked about the credit cards in my wallet. Here are the ones I keep and why!
Table of contents
The Credit Cards In My Wallet
These credit cards are the perfect combo, in my wallet, in 2020.
Card | Why |
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To get 5 points per dollar for groceries, convenience stores, food delivery as well as restaurants and bars.
To get 5 points per dollar for many businesses like Amazon or the SAQ thanks to gift cards To transfer points to Marriott Bonvoy or redeem them in statement credits towards travel purchases |
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To get 6 points per dollar for travel
To get 3 points per dollar at Costco, Walmart and at places where American Express is not accepted To not pay conversion fees for foreign transaction purchases For its $100 annual travel credit To get free Wi-Fi on-board (Swiss, Lufthansa, Singapore, etc.) For 10% discount for hotel bookings on Expedia or Agoda |
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To get 5 points per dollar for my Marriott spending
For its Annual Free Night Award (35,000 points value) For 15 Elite Night Credits each calendar year for my Marriott Bonvoy Elite status |
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To get 3 points per dollar for all my electronic devices (Apple, Dell, etc.), office supplies (Office in Wholesale, etc.) purchases
To split my personal expenses from those of my company |
American Express Cobalt™ Card
The American Express Cobalt™ Card is the best American Express Credit Card.
With the American Express Cobalt™ Card, you earn between 1 and 5 points per dollar:
Category | Points per dollar |
Groceries | 5 |
Food delivery | 5 |
Restaurants and bars | 5 |
Convenience stores | 5 |
Gas station | 2 |
Transportation | 2 |
Travel | 2 |
Other | 1 |

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.
So, if each month you spend $500 in the 5x categories, you could get up to 60,000 points or $600 during the first year! You can redeem your points in statement credits towards travel purchases, or even on 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
- Baggage delay insurance
- Lost or Stolen Baggage Insurance
- Flight delay insurance
- $250,000 Travel Accident Insurance
- Hotel or motel burglary insurance
- Purchase Protection® Plan
- Buyer’s Assurance® Protection Plan

HSBC World Elite® Mastercard®
The HSBC World Elite® Mastercard® is a great credit card with no foreign transaction fees, especially for travel purchases.
For a limited time, you can get:
- Quebec: up to 130,000 points (or $650) with no minimum spend requirement
- Outside Quebec: up to 100,000 points ($550) after $5,000 in Card purchases in 6 months and a First-Year Annual Fee Rebate
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 bookings on Expedia or Agoda
- Premium insurance for your travels and purchases
Finally, the HSBC World Elite® Mastercard® does not charge any conversion fees for foreign exchange transactions: you save 2.5% for each transaction.
And it’s one of the best credit cards for Costco where you earn 3 points per dollar.
Marriott Bonvoy™ American Express® Card
The Marriott Bonvoy™ American Express® Card is the best credit card for free hotel nights.
You can earn 50,000 Welcome Bonus points, enough for several free hotel nights at one of the 7,000 Marriott Bonvoy properties around the world. And you can earn 2 points per dollar on all your purchases.
Besides, you will receive an Annual Free Night Award after your anniversary each year (35,000 points value) and 15 Elite Night Credits each calendar year, counting for your Marriott Bonvoy status.
Finally, this Card has reliable insurance:
- Baggage delay insurance
- Lost or Stolen Baggage Insurance
- $500,000 Travel Accident Insurance
- Flight delay insurance
- Hotel or motel burglary insurance
- Car Rental Theft and Damage Insurance
- Purchase Protection® Plan
- Buyer’s Assurance® Protection Plan

American Express Business Edge™ Card
The American Express Business Edge™ Card is a small business credit card in Canada. The annual fee is only $99 and this credit card offers up to 42,000 Membership Rewards points in the first year, a $420 value.
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.

Conclusion
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?
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