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Testimonial: Western Canada with points & miles

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Testimonial: Western Canada with points & miles
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We are always happy when readers take a few minutes to share their experience with us! To complete this article, here is a 6 day itinerary and budget provided by Annie.

A family trip to Western Canada with points and miles

Caroline T. is a long-time milesopedia reader, who members of the« milesopedia – Credit Cards and Rewards » Facebook group will surely recognize!

photo group facebook
milesopedia’s facebook group: milesopedia – Credit Cards & Rewards

Here is her « postcard » that she sent us:


This is my account of a June/July 2018 trip to Western Canada with my husband and our 2 children (ages 7 and 9)! I had a very clear goal in mind from the beginning and everything was booked in late October 2017 (so 8-9 months before). Note that I collected the points on my own, for 1 year, as my husband was reluctant to embark on the credit card / bonus subscription adventure. After this trip though… he changed his mind!

So Caroline took things in hand in her relationship! It is often like that (after all, Audrey lets me manage everything in our couple, and we could see in the milesopedia mini-convention that many couples have designated – automatically – a person in charge of the points and miles in the family)!

But once you’ve discovered the benefits and the substantial gains you’ve made… the other spouse joins in the fun!

Airline tickets with Aeroplan Miles

For her Western Canada itinerary, Caroline decided to arrive in Calgary and depart from Vancouver. So she booked a multi-city flight for a cost of 25,000 miles and $170 per person.

Here is an example:

aeroplan yul yyc yvr yul
Example of a route

The cost for Caroline, her husband and their two children is 100,000 Aeroplan miles and $680. She was able to get those Aeroplan miles with 3 cards:

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$250Welcome offer
Up to 60,000 points
Apply Now

Access to airport lounges with credit cards

Caroline was able to take advantage of different airport lounges during her trip to Western Canada.


Before boarding our flight to Calgary, we had breakfast in the Air Canada Maple Leaf Lounge at Montreal-Trudeau Airport with access to my TD Aeroplan Visa Infinite Preferred Card. And this one wasn’t very busy!

salon sheet erable yul

Note that it is also possible to access the National Bank lounge at Montreal-Trudeau Airport, whether it is for an international or domestic flight!

You can access it with the National Bank’s World Elite Mastercard® but also with cards offering Priority Pass access. The Scotiabank Passport Visa Infinite +* Card offers 6 annual accesses for example!

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$150Welcome offer
Up to 35,000 pointsEnds Nov 1, 2026
Apply Now


On our return trip from Vancouver, we visited the Plaza Premium Lounge (Domestic) located near gate B15 with our TD Aeroplan Visa Infinite Privilege Card access. We took the opportunity to make a « product placement » 🙂

yvr lounge

Free hotel nights with points


Of the 10 nights on our course, 8 were paid in full with points. 2 were paid out of my pocket… even though I could have used points

Here is a summary of the hotel nights paid for in large part with points and certificates obtained with credit cards:

HotelPoints / Certificate / MoneyNightsProgram
Calgary Marriott Downtown HotelCategory 4Cat 1-5 certificate – 25,000 points1Marriott Bonvoy
Pocaterra Inn Best Western CanmoreIn silver461$2Best Western Rewards
Fairfield Inn & Suites by Marriott VernonCategory 3Certificate 1-4 – 17,500 points1Marriott Bonvoy
Fairfield Inn & Suites KelownaCategory 4Certificate 1-4 – 25,000 points1Marriott Bonvoy
Delta Okanagan Grand Resort, KelownaCategory 5 35,000 points + $20 resort fee1Marriott Bonvoy
Vancouver Marriott Pinacle DowntownCategory 535,000 points2Marriott Bonvoy
Victoria Marriott inner HarbourCategory 535,000 points1Marriott Bonvoy
The Westin Resort & Spa, WhistlerCategory 535,000 points1Marriott Bonvoy
Total140,000 points 3 certificates

461$

10



I used 2 category 1-4 certificates obtained when closing the Marriott Visa credit card. And also a category 1-5 certificate obtained during a Marriott winter promotion (1 night free after 2 nights).

salon victoria
Lounge of our Marriott hotel in Victoria

To obtain these 140,000 Marriott Bonvoy points, Caroline signed up for 3 credit cards. The Marriott card – which no longer exists (50,000 Marriott Bonvoy points) – and the two Marriott Bonvoy cards (which offered a different bonus at the time):

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$150Welcome offer
Up to 110,000 pointsEnds Sep 22, 2026
Apply Now
Annual fee$120Welcome offer
Up to 110,000 pointsEnds Sep 22, 2026
Apply Now


The only hotel I spent money on was the Pocaterra Inn Best Western Canmore. With points, it would have cost me 36,000 Best Western Rewards points per night… and I didn’t have enough at the time! I could have gone to 2 Marriott hotels in Kananaskis to use points and make the trip without really « paying for anything » in a hotel, but it was too far and not very efficient for the little time we had.

At the Best Western hotel, I had Diamond Select status, but I didn’t see any difference…other than the extra points. My stay earned me 8,500 points (including Best Western Rewards MasterCard points) and a $20 promotional certificate for a future stay.

The Best Western Rewards MasterCard has a bonus that is very easy to earn with just one charge to the card. And the card is free, what more could you ask for? In addition, points can be combined into one account by simply calling Best Western Rewards.

Calculations of earnings with points and miles

Let’s make a detailed point by recalling:

  • 4 plane tickets Montreal-Calgary / Vancouver-Montreal
  • 8 hotel nights paid with points
aeroplan logo2 8cf1130ff4ec1c01marriott rewards logo
Points used100,000 miles140,000 points
Market value3 055$2 500$
Taxes and fees paid680$$20
Cumulative contributions399$270$
Total Paid1079$290$
Net valuation 3,055 – 1,079 = $1,9762,500- 290 = $2,210
Total4,186 saved with points and miles


Once credit card fees are subtracted and ancillary fees are paid (taxes / surcharges), I estimate that I saved close to $2,000 for the flights of the 4 of us.

As for the hotel rooms, the market value at the time of booking was $3,900 for the 8 nights.

And I finally estimate that I saved about $850 (and more?) on hotel/airport lounge meals and all the extras we got through status (gifts, free 1st checked bag, discounts, etc) during our trip.

Bottom line

Caroline and her family were able to take a beautiful trip to Western Canada thanks to their points and miles: for 4 people, this trip cost $1,369 when it was worth $5,555!

The points and miles will have allowed them to save …. 75 %! Bravo Caroline!


Next destination in the summer of 2019 for the family: Australia… with points and miles! 🙂

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$120Welcome offer
Up to 110,000 pointsEnds Sep 22, 2026
Apply Now

Our featured card

Featured
Annual fee
$120
Our valuation
$990
Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 110,000 points
Ends Sep 22, 2026
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The Marriott Bonvoy® American Express®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

  • Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Annual fee

Primary card$120
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 2xAll spending

Value

1st Year Value$1,437
2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

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