{"id":195768,"date":"2025-07-10T10:30:00","date_gmt":"2025-07-10T14:30:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=195768"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"best-card-travel-purchase","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-card-travel-purchase\/","title":{"rendered":"How do I choose the best credit card to pay for my trip?"},"content":{"rendered":"\n<p>We are often faced with a dilemma: what is the <strong>best credit card <\/strong> to use to pay for our trip (airfare, accommodation, etc.)?<\/p>\n\n\n\n<p>How do we choose the right credit card  to optimize our purchase in all aspects?<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>benefits (travel insurance)<\/li>\n\n\n\n<li>possibility to use points<\/li>\n\n\n\n<li>accumulation of points in the right category<\/li>\n\n\n\n<li>welcome bonus<\/li>\n<\/ul><\/div>\n\n\n\n<p>Here are some questions to ask yourself to determine the <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\"><strong>best credit card <\/strong><\/a>to pay for your trip!<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"48206\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-credit-cards-with-the-best-travel-multipliers\">Credit cards with the best travel multipliers<\/h2>\n\n\n\n<p>Here, in a nutshell, is a table summarizing the different credit card reward multipliers that can be earned on expenses categorized as &#8220;travel&#8221;.<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 72px;\"><td><strong>Credit Cards<\/strong><\/td><td><strong>General travel<\/strong><\/td><td><strong>Specific travel<\/strong><\/td><td><strong>FX<\/strong><\/td><td><strong>Point value<\/strong><\/td><td><strong>Return (FX purchase)<\/strong><\/td><td><strong>Return (CA purchase)<\/strong><\/td><\/tr><\/thead><tbody><tr style=\"height: 48px;\"><td><a title=\"American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Business Reserve Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-aeroplan-business-reserve\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Business Reserve Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">2X<\/td><td class=\"has-text-align-center\" data-align=\"center\">3X (AC and AC Vacations)<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">2&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">4 to 6%<\/td><\/tr><tr style=\"height: 48px;\"><td><a title=\"American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Reserve Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-aeroplan-reserve\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Reserve Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">1.25X<\/td><td class=\"has-text-align-center\" data-align=\"center\">3X (AC and AC Vacations)<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">2&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5 to 6%<\/td><\/tr><tr style=\"height: 48px;\"><td><a title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite Privilege* Credit Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-privilege-card-qc\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite Privilege* Credit Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">1.5X<\/td><td class=\"has-text-align-center\" data-align=\"center\">2X (AC and AC Vacations)<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">2&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3 to 4%<\/td><\/tr><tr style=\"height: 24px;\"><td><a title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">1X<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.5X (AC and AC Vacations)<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">2&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">-0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">2 to 3%<\/td><\/tr><tr style=\"height: 48px;\"><td><a title=\"American Express Platinum Card<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-platinum-card\/\" rel=\"noindex\">American Express Platinum Card<sup>&reg;<\/sup><\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">2X<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.7&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.9%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.4%<\/td><\/tr><tr style=\"height: 48px;\"><td><a title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">2X<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.7&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.9%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.4%<\/td><\/tr><tr style=\"height: 24px;\"><td><a title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">1X<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.7&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.9%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.4%<\/td><\/tr><tr style=\"height: 48px;\"><td><a title=\"TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">2X<\/td><td class=\"has-text-align-center\" data-align=\"center\">8X(<a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/expedia-for-td-guide\/\">Expedia for TD<\/a>)<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 to 4%<\/td><\/tr><tr style=\"height: 24px;\"><td><a title=\"TD Platinum Travel Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-platinum-travel-visa-card-qc\/\" rel=\"noindex\">TD Platinum Travel Visa* Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">1.5X<\/td><td class=\"has-text-align-center\" data-align=\"center\">6X<a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/expedia-for-td-guide\/\">(Expedia for TD<\/a>)<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1.75%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.75 to 3%<\/td><\/tr><tr><td><a title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">1X<\/td><td class=\"has-text-align-center\" data-align=\"center\">2X<a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-use-nbc-rewards-points-travel\/\">(Voyage \u00e0 la Carte<\/a>)<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.9&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1.6%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.9 to 1.8%<\/td><\/tr><tr style=\"height: 48px;\"><td><a title=\"BMO eclipse Visa Infinite Privilege* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-eclipse-vip\/\" rel=\"noindex\">BMO eclipse Visa Infinite Privilege* Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">5X<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.67&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.85%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.35%<\/td><\/tr><tr style=\"height: 48px;\"><td><a title=\"BMO Ascend\u2122 World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-world-elite-mastercard\/\" rel=\"noindex\">BMO Ascend\u2122 World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">5X<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.67&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.85%<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.35%<\/td><\/tr><tr style=\"height: 48px;\"><td><a title=\"Scotiabank Passport<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">1X<\/td><td class=\"has-text-align-center\" data-align=\"center\">1X + 3X<a target=\"_blank\" href=\"https:\/\/www.sceneplus.ca\/rewards\/travel\/sceneplus-travel\">(Scene+ Travel powered by Expedia)<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">0&nbsp;%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 to 4%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 to 4%<\/td><\/tr><tr style=\"height: 48px;\"><td><a title=\"Scotiabank Platinum American Express<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-platinum-american-express\/\" rel=\"noindex\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">2X<\/td><td class=\"has-text-align-center\" data-align=\"center\">&#8211;<\/td><td class=\"has-text-align-center\" data-align=\"center\">0&nbsp;%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">2%<\/td><td class=\"has-text-align-center\" data-align=\"center\">2%<\/td><\/tr><tr style=\"height: 48px;\"><td><a title=\"Marriott Bonvoy<sup>&reg;<\/sup> Business American Express<sup>&reg;<\/sup>* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-marriott-bonvoy-business-card\/\" rel=\"noindex\">Marriott Bonvoy<sup>&reg;<\/sup> Business American Express<sup>&reg;<\/sup>* Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">3X<\/td><td class=\"has-text-align-center\" data-align=\"center\">5X (Marriott)<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.9&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.2 to 2%<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.7 to 4.5%<\/td><\/tr><tr style=\"height: 48px;\"><td><a title=\"Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-marriott-bonvoy-card\/\" rel=\"noindex\">Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">2X<\/td><td class=\"has-text-align-center\" data-align=\"center\">5X (Marriott)<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.9&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">-0.7 to 2%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.8 to 4.5%<\/td><\/tr><tr><td><a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite Mastercard<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">1X<\/td><td class=\"has-text-align-center\" data-align=\"center\">3X (Porter)<br>2X (hotels)<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.5&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1 \u00e0 2%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.5 \u00e0 4.5%<\/td><\/tr><tr><td><a title=\"BMO VIPorter Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-mastercard\/\" rel=\"noindex\">BMO VIPorter Mastercard<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5X<\/td><td class=\"has-text-align-center\" data-align=\"center\">2X (Porter)<br>1X (hotels)<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.5&nbsp;\u00a2<\/td><td class=\"has-text-align-center\" data-align=\"center\">-1.75 to 0.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.75 to 3%<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>As you can see, you can&#8217;t just rely on the multiplier, since <a href=\"https:\/\/milesopedia.com\/en\/points-miles-value-canada\/\">the value of the points differs from program to program<\/a>. Which credit card gives the best return for travel will also depend on the currency in which you make your purchase. Finally, some credit cards offer a higher return on more specific travel expenses, as on certain sites or platforms.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>The value of a point used in this table is what <a href=\"https:\/\/milesopedia.com\/en\/points-miles-value-canada\/\">Milesopedia has retained as an estimate<\/a>. The best travel multiplier for you may differ depending on how you use and <a href=\"https:\/\/milesopedia.com\/en\/news\/points-value-target\/\">value your points<\/a>.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<p>So, here&#8217;s some food for thought on which credit card to use <strong>to get the biggest return on your travel purchase<\/strong>, depending on its type.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"293039\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-airline-tickets\">Airline tickets<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-you-need-travel-insurance\">Do you need travel insurance?<\/h3>\n\n\n\n<p>This section mainly covers <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/cancellation-interruption-travel-credit-cards\/\">cancellation, interruption<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/flight-delay-insurance-credit-cards\/\">flight delay<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/baggage-loss-rights-compensations\/\">baggage loss<\/a>, etc., since coverage for <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/medical-emergency-credit-card-insurance\/\">emergency medical care<\/a> is automatically included, regardless of the method of payment, with several credit cards (under certain conditions).<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"192394,130338,183253,107919\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-airline-ticket-paid-with-reward-points\">Airline ticket paid with reward points<\/h4>\n\n\n\n<p>As a general rule, the <strong>best credit card <\/strong> will be&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>an <a target=\"_blank\" href=\"\/?page_id=90571\">AIR MILES creditcard <\/a> to cover travel for which you have used <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/airmiles\/\">AIR<\/a>MILES miles<\/li>\n\n\n\n<li>an <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/aeroplan\/\">AEROPLAN creditcard <\/a> to cover a trip for which you have used <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/aeroplan\/\">AEROPLAN<\/a>points<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/membership-rewards\/\">Membership Rewards creditcard <\/a> to cover a trip for which you used American Express <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/membership-rewards-american-express\/\">Membership Rewards points<\/a><\/li>\n\n\n\n<li>and so on for each program <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/cibc-aventura\/\">(CIBC Aventura<\/a>, <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/primes-td\/\">TD Rewards<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/bmo-rewards\/\">BMO Rewards<\/a>, etc.)<\/li>\n<\/ul><\/div>\n\n\n\n<p>However, some credit cards stand out by offering protection <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/best-cards-credit-rewards-insurance\/\">even if the trip is partially paid for by the credit card<\/a>; see the next point.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-airline-ticket-partially-paid-by-credit-card\">Airline ticket partially paid by credit card<\/h4>\n\n\n\n<p>These cards stand out from all the others, because you&#8217;ll be <strong>covered when part of the trip<\/strong> has been charged to the credit card! So if you pay the taxes on an award ticket Aeroplan or use a travel credit, you&#8217;ll be protected in the event of a hitch.<\/p>\n\n\n\n<p>In this situation, the <strong>best credit card <\/strong> will be one of the following:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/milesopedia.com\/en\/go\/bmo-world-elite-mastercard\/?affcid=%5Bmilesopedia%5D-1522822208.1632842034-muid-0\">BMO Ascend\u2122 World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a><\/li>\n\n\n\n<li><a target=\"_blank\" href=\"\/?p=22663\">BMO AIR MILES World Elite Mastercard<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/go\/world-mastercard-from-national-bank\/\">National Bank World Mastercard<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>However, baggage delay insurance requires that <strong>the full cost of the airline ticket<\/strong> be purchased with National Bank cards. The same is true for car rental insurance.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"87931\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-airline-ticket-paid-entirely-by-credit-card\">Airline ticket paid entirely by credit card<\/h4>\n\n\n\n<p>Some cards require that the trip be paid in full on the credit card . So you can&#8217;t go wrong if you charge all your travel expenses to your credit card and those mentioned above.<\/p>\n\n\n\n<p>However, travel insurance is not the same from one credit card to another! When you compare coverage amounts, they differ greatly from one card to another.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-you-plan-to-use-airline-rewards-points\">Do you plan to use airline rewards points?<\/h3>\n\n\n\n<p>Do you have points in the bank and want to use them to pay for this trip? You will therefore need to use the credit card linked to the rewards points program in question.<\/p>\n\n\n\n<p>For example, by paying for your plane ticket with the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a>, you&#8217;ll be covered in the event of a problem, and you&#8217;ll be able to use your <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/nbc-a-la-carte-rewards\/\"> NBC rewards points<\/a> within 60 days of purchase.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-you-need-toearn-a-particular-type-of-point\">Do you need toearn a particular type of point?<\/h3>\n\n\n\n<p>As a result of your airfare purchase, you will be able to collect points. Turn to the card  that gives the type of points you are looking for! To do this, you need to determine your <a target=\"_blank\" href=\"\/?p=8456\">objectives<\/a> and your points <a href=\"https:\/\/milesopedia.com\/en\/rewards-strategies\/\">accumulation strategy<\/a>.<\/p>\n\n\n\n<p>However, you have to ask yourself which aspect you favor when the card that gives you the best insurance doesn&#8217;t match the card that gives you the type of points you want.<\/p>\n\n\n\n<p>Similarly, the return (discount) may be greater with another card, but travel insurance must be factored into the equation, not just the &#8220;best return&#8221; as illustrated in the table at the beginning of this article.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-you-need-to-unlock-a-bonus\">Do You Need to Unlock a Bonus?<\/h3>\n\n\n\n<p>Finally, if you don&#8217;t need travel insurance and your priority is to unlock a bonus, you can check out the <a href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/best-offers-this-month\/\">best current offers<\/a>!<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-accommodation-car-rental-and-activities\">Accommodation, car rental and activities<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-you-need-travel-insurance\">Do you need travel insurance?<\/h3>\n\n\n\n<p>When it comes to accommodation, travel insurance may be a little less important. In fact, a large majority of establishments allow the cancellation of the reservation without charge during a specific period (often up to 24 hours before the stay).<\/p>\n\n\n\n<p>On the car rental side, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend World Elite Mastercard<\/a> offers some of the <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/theft-damage-car-rental-credit-cards\/\">best rental car insurance coverage<\/a> around.<\/p>\n\n\n\n<p>For activities, organized tours, excursions, etc., most of these purchases are non-refundable, so it&#8217;s imperative to put these expenses on cards with good travel insurance like the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"191103\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-you-intend-to-use-reward-points-on-this-same-trip\">Do you intend to use reward points on this same trip?<\/h3>\n\n\n\n<p>Just like airline tickets, you need to use the card with the rewards program you want to use to reduce your bill.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"248186\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-you-need-toearn-a-particular-type-of-point\">Do you need toearn a particular type of point?<\/h3>\n\n\n\n<p>Some credit cards, such as the <a title=\"Scotiabank Passport<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Visa Infinite Passport<\/a>, offer points for travel purchases, no <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-foreign-currency\/\">foreign exchange fees<\/a> and the ability to <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/save-travel-sceneplus-points\/\">use these same points as account credit<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"88339,48056\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22642\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>If you&#8217;re staying at a <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/marriott-bonvoy-points\/\">Marriott Bonvoy<\/a> hotel, it&#8217;s more advantageous to pay with credit cards linked to this program to earn more points.<\/p>\n\n\n\n<p>However, do you want to earn 5X Marriott Bonvoy points, or would you save on foreign currency fees instead? The answer is yours.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"267909,22624\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-you-need-to-unlock-a-bonus\">Do You Need to Unlock a Bonus?<\/h3>\n\n\n\n<p>Same as the answer given above for plane tickets.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22616,108763,108765,22620\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>There&#8217;s no single answer to choosing the right credit card to pay for a trip and get the &#8220;best return&#8221;. Indeed, there are several factors to consider in order to make the &#8220;best choice&#8221; in your situation.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_apos_s_the_best_credit_card_for_earning_travel_points_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat&apos;s the best credit card for earning travel points?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The best credit card for earning travel points is often the one that offers generous welcome bonuses, multiple points on travel spending and zero conversion fees for foreign purchases. Compare current offers to get the best return.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_benefits_can_i_expect_from_a_travel_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat benefits can I expect from a travel credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>With a travel credit card, you can enjoy rewards such as airline points or miles, cash back, airport lounge access, and comprehensive travel insurance. These cards are designed to increase savings and convenience when you travel.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_are_the_fees_to_watch_out_for_on_a_travel_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat are the fees to watch out for on a travel credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Keep an eye on annual fees, interest rates and foreign currency conversion charges, as well as additional fees for travel insurance that is not included. It&#8217;s crucial to choose a card that offers a good balance between costs and benefits.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"do_travel_credit_cards_offer_insurance_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo travel credit cards offer insurance?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, many travel credit cards offer comprehensive insurance coverage, including trip cancellation and medical insurance. Check the specific terms and conditions of each card to understand the extent of coverage offered.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_can_i_maximize_my_travel_points_with_a_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow can I maximize my travel points with a credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>To maximize your travel points, choose a card that offers bonuses on the spending categories where you spend the most, such as travel, transportation or food. Use your credit card to pay for the majority of your everyday purchases, and take advantage of loyalty programs and seasonal offers to maximize your points.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Here is our decision tree to help you choose the best and most advantageous credit card  to pay for your trip!<\/p>","protected":false},"author":1237,"featured_media":306365,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48137],"tags":[],"mc_loyalty_program":[],"class_list":["post-195768","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy","post_series-credit-cards-insurance","tutorial-cards"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How do I choose the best credit card to pay for my trip? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Here is our decision tree to help you choose the best and most advantageous credit card to pay for your trip!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-card-travel-purchase\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How do I choose the best credit card to pay for my trip?\" \/>\n<meta property=\"og:description\" content=\"Here is our decision tree to help you choose the best and most advantageous credit card to pay for your trip!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-card-travel-purchase\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-10T14:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-08T15:52:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/09\/ChoisirCarteAcheterVoyage-2400x1260-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"840\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Aline Nguyen\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:site\" content=\"@milesopedia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/best-card-travel-purchase\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/best-card-travel-purchase\\\/\"},\"author\":{\"name\":\"Aline Nguyen\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/a8dc90fb39c7963641ba5ffe7b869efc\"},\"headline\":\"How do I choose the best credit card to pay for my trip?\",\"datePublished\":\"2025-07-10T14:30:00+00:00\",\"dateModified\":\"2026-05-08T15:52:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/best-card-travel-purchase\\\/\"},\"wordCount\":1475,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/best-card-travel-purchase\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2023\\\/09\\\/ChoisirCarteAcheterVoyage-2400x1260-1.jpg\",\"articleSection\":[\"Strategies\"],\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/best-card-travel-purchase\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/best-card-travel-purchase\\\/\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/strategy\\\/best-card-travel-purchase\\\/\",\"name\":\"How do I choose the best credit card to pay for my trip? 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