{"id":249968,"date":"2025-06-20T07:10:00","date_gmt":"2025-06-20T11:10:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/strategies-accumulate-travel-points\/"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"strategies-earn-travel-points","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/strategies-earn-travel-points\/","title":{"rendered":"Our Strategies for Earning Travel Points Easily"},"content":{"rendered":"\n<p>There are <a href=\"https:\/\/milesopedia.com\/en\/?p=131131\">hundreds of different credit cards<\/a> on the market to earn <strong>points<\/strong> for travel. When you have a lot of expenses, the <strong>travel points<\/strong> will follow by themselves, even without optimization and strategy.<\/p>\n\n\n\n<p>In fact, if you spend $100,000 a year, you can easily collect 100,000 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/aeroplan\/\">Aeroplan <\/a><strong>points<\/strong> without any strategy.<\/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=\"114659\"\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<p>But how can you easily accumulate so many <strong>travel points<\/strong> when you don&#8217;t have a large volume of spending?<\/p>\n\n\n\n<p>Here are some <strong>strategies<\/strong> to consider when optimizing purchases in the right categories on each credit card (restaurants, grocery stores, gas, travel, etc.)<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>the fewest <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">credit card<\/a> applications;<\/li>\n\n\n\n<li>the lowest annual fee;<\/li>\n\n\n\n<li>the minimum spending required.<\/li>\n<\/ul><\/div>\n\n\n\n<p>This list is not exhaustive! Come and share your credit card <strong>travel point<\/strong> strategies in the <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/milesopedia\">Milesopedia Facebook community<\/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=\"249968,188740\"\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\n<h2 class=\"wp-block-heading\" id=\"h-travel-points-the-credit-card-welcome-bonus-strategy\">Travel Points: The Credit Card Welcome Bonus Strategy<\/h2>\n\n\n\n<p>When you start to venture into the world of credit card rewards, you quickly realize that the most lucrative strategy is in credit card applications via welcome bonuses.<\/p>\n\n\n\n<p>For <a href=\"https:\/\/milesopedia.com\/en\/beginners-guide\/\">beginners<\/a>, we recommend starting with one or two cards, then spacing out requests by at least 6-9 months. Then, once you&#8217;re more comfortable with <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/management-expenses-credit-cards\/\">credit card management<\/a>, you can increase the number of credit card subscriptions and bring them closer together over time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-strategy-for-collecting-aeroplan-points\">Strategy for Collecting Aeroplan Points<\/h3>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-left\" data-align=\"left\">Credit card<\/td><td class=\"has-text-align-center\" data-align=\"center\">Bonus<\/td><td class=\"has-text-align-center\" data-align=\"center\">Minimum expenses<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rewards<\/td><td class=\"has-text-align-center\" data-align=\"center\">Annual Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">Final tally in Aeroplan points<\/td><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-td-aeroplan\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">Up to 45,000 Aeroplan points (in the first year)<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">12,000 during the first year<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">12,000 Aeroplan points minimum<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 13.3333px;\">$139 ($0 the first year)<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\"><strong>57,000 points<\/strong><\/span><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-or-american-express\/\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a><\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">60,000 Membership Rewards points<\/span><br><span style=\"font-size: 10pt;\">(= 60,000 Aeroplan points)<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$12,000 ($1,000 per month x 12 months)<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">12,000 Membership Rewards points minimum<\/span><br><span style=\"font-size: 10pt;\">(= 12,000 Aeroplan points)<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$150 <\/span><br><span style=\"font-size: 10pt;\">(thanks to the <a href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/new-amex-gold-card-welcome-offer\/\">$100 credit<\/a>)<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\"><strong>72,000 points<\/strong><\/span><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><span style=\"font-size: 10pt;\"><strong>TOTAL<\/strong><\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$24,000<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$289<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\"><strong>129,000 points<\/strong><\/span><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\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=\"100492,22620\"\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 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<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=\"161201\"\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<p>This strategy allows you to earn <strong>129,000 Aeroplan points.<\/strong><\/p>\n\n\n\n<p>You can collect these Aeroplan points to <a target=\"_blank\" href=\"\/?p=332724\">travel<\/a> alone or in a group, depending on the destination. In a family, each parent could subscribe to the same cards and collect double the points!<\/p>\n\n\n\n<p>Caroline found <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/holiday-what-to-do-aeroplan\/\">plenty of places<\/a> to travel to with 55,000 Aeroplan points! Then, I found many <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/short-getaways-35000-points\/\">getaways for 25,000 Aeroplan points or less<\/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=\"248622,247773\"\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\n<h3 class=\"wp-block-heading\" id=\"h-strategy-to-accumulate-hotel-points\">Strategy to Accumulate Hotel Points<\/h3>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-left\" data-align=\"left\">Credit card<\/td><td class=\"has-text-align-center\" data-align=\"center\">Bonus<\/td><td class=\"has-text-align-center\" data-align=\"center\">Minimum expenses<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rewards<\/td><td class=\"has-text-align-center\" data-align=\"center\">Annual Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">Final tally in points<\/td><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/marriott-bonvoy-american-express-card\/\">Marriott Bonvoy<sup><sup>&reg;<\/sup><\/sup> American Express<sup>&reg;<\/sup>* Card<\/a><\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">50,000 Marriott Bonvoy points<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$1,500 over 3 months<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">3,000 points<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$120<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">53,000 points<\/span><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/marriott-bonvoy-business-american-express-card\/\">Marriott Bonvoy<sup><sup>&reg;<\/sup><\/sup> Business American Express<sup>&reg;<\/sup>* Card<\/a><\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">60,000 Marriott Bonvoy points<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$5,000 over 3 months<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">10,000 Points<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$150<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">70,000 points<\/span><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><span style=\"font-size: 10pt;\"><strong>TOTAL<\/strong><\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><span style=\"font-size: 10pt;\">$6,500<\/span><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><span style=\"font-size: 10pt;\">$270<\/span><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><span style=\"font-size: 10pt;\">123,000 points<\/span><\/strong><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\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\">\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<p>This strategy lets you quickly rack up <strong>123,000 Marriott Bonvoy points<\/strong>.<\/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=\"66037,7880\"\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<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=\"22624\"\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-strategy-for-earning-travel-points\">Strategy for Earning Travel Points<\/h3>\n\n\n\n<p>For those who don&#8217;t like to be tied to a specific program, a <strong>travel points<\/strong> strategy can provide a great deal of flexibility. In fact, many trips are more accessible with Reward Points.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Activities (theme parks, food tour, museum, etc);<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/cruise-pay-points\/\" target=\"_blank\" rel=\"noopener\">Cruises;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/experiences\/all-inclusive-best-credit-cards\/\" target=\"_blank\" rel=\"noopener\">All-inclusive<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/car-rental-points\/\">Car rental<\/a>;<\/li>\n\n\n\n<li>Any flight or hotel;<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-airbnb\/\">Airbnb<\/a>, etc.<\/li>\n<\/ul><\/div>\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='6'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--6 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22724,22621,22620,22739,401432,22642\"\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>\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<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--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"177378,188740,75656,164737,64086,324829\"\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><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\t\t\t<button type=\"button\" class=\"deferred_button\" data-page=\"1\" data-per_page=\"4\">\n\t\t\t\t<i class=\"fas fa-spinner-third fa-spin\"><\/i>\n\t\t\t\tLoad More\t\t\t<\/button>\n\t\t\t<\/aside>\n\n\n\n<p>The strategy for a family of two adults and two children: each parent could use these cards to pay for the family&#8217;s <a href=\"https:\/\/milesopedia.com\/en\/guide\/destination\/best-all-inclusive-family\/\" target=\"_blank\" rel=\"noopener\">all-inclusive<\/a> trip under the sun!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"719\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Voyage-dans-le-sud-en-famille.jpg\" alt=\"Our Strategies for Earning Travel Points Easily - Voyage dans le sud en famille\" class=\"wp-image-187002\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Voyage-dans-le-sud-en-famille.jpg 1600w, https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Voyage-dans-le-sud-en-famille-450x202.jpg 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Voyage-dans-le-sud-en-famille-1024x460.jpg 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Voyage-dans-le-sud-en-famille-200x90.jpg 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Voyage-dans-le-sud-en-famille-768x345.jpg 768w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<p>Another example of a <strong>travel points<\/strong> strategy would be for a single person who would like to take a cruise to the <a href=\"https:\/\/milesopedia.com\/en\/guide\/destination\/guide-galapagos\/\">Galapagos Islands<\/a>.<\/p>\n\n\n\n<p>Prices for week-long tours in the archipelago start at $3,000 with <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/dream-adventure-travel\/\">G Adventures<\/a>. The cost of travel will be greatly reduced with this <strong>travel points strategy<\/strong>!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"740\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Croisie\u0300re-Galapagos.jpg\" alt=\"Our Strategies for Earning Travel Points Easily - Croisie\u0300re Galapagos\" class=\"wp-image-187000\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Croisie\u0300re-Galapagos.jpg 1600w, https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Croisie\u0300re-Galapagos-450x208.jpg 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Croisie\u0300re-Galapagos-1024x473.jpg 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Croisie\u0300re-Galapagos-200x92.jpg 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Croisie\u0300re-Galapagos-768x355.jpg 768w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/figure>\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\n<h2 class=\"wp-block-heading\" id=\"h-the-long-term-traveller-s-strategy\">The Long-Term Traveller\u2019s Strategy<\/h2>\n\n\n\n<p>For a variety of reasons, many people prefer the <strong>strategy of<\/strong> arming themselves with a good portfolio, without too many cards, <strong>to keep for the long term<\/strong>.<\/p>\n\n\n\n<p>Credit cards with the highest reward rates often have an annual fee. Indeed, the annual fees may seem high, but they are all justified with the benefits provided.<\/p>\n\n\n\n<p>There are also a <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/american-express-statement-credits\/\">number of offers<\/a> available from American Express, which puts the annual fee into perspective! Over the years, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> has become the best credit card for earning travel points.<\/p>\n\n\n\n<p>Then, as a paying strategy, I advise you to subscribe to <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">credit cards<\/a> in order to cover and optimize each category of expenses.<\/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=\"64086\"\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-the-long-term-travel-portfolio\">The Long-Term Travel Portfolio<\/h3>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td>Card<\/td><td>Spending Category<\/td><td class=\"has-text-align-center\" data-align=\"center\">Return per dollar of purchase<\/td><td class=\"has-text-align-center\" data-align=\"center\">Welcome Bonus<\/td><td class=\"has-text-align-center\" data-align=\"center\">Annual Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">Other Benefits<\/td><\/tr><\/thead><tbody><tr><td><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/span><\/td><td>\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><span style=\"font-size: 10pt;\">Grocery<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/5-points-stores\/\">Various gift cards<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\">Gas*<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\">Walmart<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\"><a rel=\"noindex\" title=\"amazon\" href=\"https:\/\/milesopedia.com\/en\/go\/amazon-2\/\" data-shortcode=\"true\">Amazon<\/a>*<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\">Furnishings*<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\">Restaurants<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\">Food delivery<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">5 Membership Rewards points<\/span><br><span style=\"font-size: 10pt;\">=<\/span><br><span style=\"font-size: 10pt;\">5 points Aeroplan<\/span><br><span style=\"font-size: 10pt;\">or 6 Marriott Bonvoy points<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">15,000 Membership Rewards points<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$150 (QC) $155.88 (Canada)<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/insurance-mobile-devices\/\">Mobile Device Insurance<\/a><\/span><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-passport-visa-infinite-card\/\"><span style=\"font-size: 10pt;\">Scotiabank Passport\u2122 Visa Infinite*+ Card<\/span><\/a><\/td><td><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><span style=\"font-size: 10pt;\">Travel<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\">Foreign Currencies<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\">Misc.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">up to 3 points<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">45,000 points<\/span><br><span style=\"font-size: 10pt;\">(or $450)<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$150<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/best-no-foreign-transaction-fees-cards\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-size: 10pt;\">No conversion fees <\/span><\/a><\/td><\/tr><tr><td><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-td-aeroplan\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/span><\/td><td><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><span style=\"font-size: 10pt;\">Misc.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\">Travel<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">up to 1.5 points<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">45,000 Aeroplan points<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$139 (reimbursed the first year)<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><p><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/aeroplan-credit-card-free-checked-bag\/\">Free luggage<\/a><\/span><\/p>\n\n\n\n<p><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/comparison-preferred-pricing-aeroplan\/\"><span style=\"font-size: 10pt;\">Preferential rate for premium Aeroplan tickets<\/span><\/a><\/p>\n\n\n\n<p><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/nexus-global-entry-fast-track-frontiers\/\">NEXUS membership discount<\/a><\/span><\/p>\n<\/td><\/tr><tr><td><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a><\/span><\/td><td><\/p>\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><span style=\"font-size: 10pt;\">Grocery<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\">Travel<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\">Misc.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\">Appliances<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">up to 5 points<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 13.3333px;\">Up to 45,000 points<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$150 (refunded the first year)<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><p><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/medical-emergency-credit-card-insurance\/\">Premium Insurance<\/a><\/span><\/p>\n\n\n\n<p><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/nbc-annual-travel-credit\/\">Up to $150 in annual credits<\/a><\/span><\/p>\n\n\n\n<p><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/why-apply-nbc-world-elite-mastercard\/\">Access to the VIP Lounge<\/a><\/span><\/p>\n<\/td><\/tr><tr><td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/marriott-bonvoy-american-express-card\/\"><span style=\"font-size: 10pt;\">Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card<\/span><\/a><\/td><td><\/p>\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><span style=\"font-size: 10pt;\">Travel<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 10pt;\">Marriott Bonvoy Hotels<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">up to 5 points<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">Up to 50,000 points<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$120<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><p><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/amex-marriott-bonvoy-free-night-award\/\">Free Night Award<\/a><\/span><\/p>\n\n\n\n<p><span style=\"font-size: 10pt;\"><a target=\"_blank\" href=\"\/?p=253089\">15 Elite-nights<\/a><\/span><\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n<p><em>*<a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/5-points-stores\/\">Gift cards<\/a> for these stores can be purchased in grocery or convenience stores for 5 points per dollar.<\/em><\/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='5'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--5 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,22642,401432,100492,267909\"\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>\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-illustrated-example-of-the-strategy\">Illustrated Example of the Strategy<\/h3>\n\n\n\n<p>Here are some figures to illustrate the return of this portfolio with a strategy aimed at the principal accumulation of <strong>Aeroplan points<\/strong> and other travel points.<\/p>\n\n\n\n<p>It can be easily adapted to accumulate Marriott Bonvoy points and other <strong>travel points<\/strong>.<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 24px;\"><td>Card<\/td><td>Category<\/td><td class=\"has-text-align-center\" data-align=\"center\">Annual expenses<\/td><td class=\"has-text-align-center\" data-align=\"center\">Points accumulated<\/td><\/tr><\/thead><tbody><tr style=\"height: 27px;\"><td><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/span><\/td><td><span style=\"font-size: 10pt;\">Grocery store where American Express is accepted<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$1,500 <\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">7,500 points<\/span><\/td><\/tr><tr style=\"height: 27px;\"><td><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-td-aeroplan\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/span><\/td><td><span style=\"font-size: 10pt;\">Grocery store<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$3,000 <\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">4,500 points<\/span><\/td><\/tr><tr style=\"height: 27px;\"><td><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/span><\/td><td><span style=\"font-size: 10pt;\">Gasoline<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$1,000 <\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">3,000 points<\/span><\/td><\/tr><tr style=\"height: 27px;\"><td><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/span><\/td><td><span style=\"font-size: 10pt;\">Restaurants where American Express is accepted<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$500<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">2,500 points<\/span><\/td><\/tr><tr style=\"height: 24px;\"><td><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-td-aeroplan\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/span><\/td><td><span style=\"font-size: 10pt;\">Restaurants<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$500<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">500 points<\/span><\/td><\/tr><tr style=\"height: 27px;\"><td><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/span><\/td><td><span style=\"font-size: 10pt;\"><a rel=\"noindex\" title=\"Uber Eats\" href=\"https:\/\/milesopedia.com\/en\/go\/uber-eats\/\" data-shortcode=\"true\">Uber Eats<\/a><\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$700<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">3,500 points<\/span><\/td><\/tr><tr style=\"height: 27px;\"><td><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/span><\/td><td><span style=\"font-size: 10pt;\">Tim Hortons, Starbucks<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$500 <\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">2,500 points<\/span><\/td><\/tr><tr style=\"height: 24px;\"><td><span style=\"font-size: 10pt;\">Gift card strategy<\/span><\/td><td><span style=\"font-size: 10pt;\">Walmart<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$500<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">2,500 points<\/span><\/td><\/tr><tr style=\"height: 24px;\"><td><span style=\"font-size: 10pt;\">Gift card strategy<\/span><\/td><td><span style=\"font-size: 10pt;\"><a rel=\"noindex\" title=\"amazon\" href=\"https:\/\/milesopedia.com\/en\/go\/amazon-2\/\" data-shortcode=\"true\">Amazon<\/a><\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$1,000<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td><\/tr><tr style=\"height: 24px;\"><td><span style=\"font-size: 10pt;\">Gift card strategy<\/span><\/td><td><span style=\"font-size: 10pt;\">SAQ<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$500<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">2,500 points<\/span><\/td><\/tr><tr style=\"height: 24px;\"><td><span style=\"font-size: 10pt;\">Gift card strategy<\/span><\/td><td><span style=\"font-size: 10pt;\">Netflix<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$250<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">1,250 points<\/span><\/td><\/tr><tr style=\"height: 24px;\"><td><span style=\"font-size: 10pt;\">Gift card strategy<\/span><\/td><td><span style=\"font-size: 10pt;\">Cinema<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$500<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">2,500 points<\/span><\/td><\/tr><tr style=\"height: 24px;\"><td><span style=\"font-size: 10pt;\">Gift card strategy<\/span><\/td><td><span style=\"font-size: 10pt;\">Books and culture<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$500<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">2,500 points<\/span><\/td><\/tr><tr style=\"height: 24px;\"><td><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-td-aeroplan\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/span><\/td><td><span style=\"font-size: 10pt;\">Pharmacy<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$300<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">300 points<\/span><\/td><\/tr><tr style=\"height: 24px;\"><td><span style=\"font-size: 10pt;\">Gift card strategy<\/span><\/td><td><span style=\"font-size: 10pt;\">Home furnishings (IKEA, Wayfair, etc.)<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$375<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">1,875 points<\/span><\/td><\/tr><tr style=\"height: 24px;\"><td><span style=\"font-size: 10pt;\">Gift card strategy<\/span><\/td><td><span style=\"font-size: 10pt;\">Minor renovation and maintenance<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$375<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">1,875 points<\/span><\/td><\/tr><tr style=\"height: 24px;\"><td><span style=\"font-size: 10pt;\">Gift card strategy<\/span><\/td><td><span style=\"font-size: 10pt;\">Clothing<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$1,000<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td><\/tr><tr style=\"height: 27px;\"><td><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-td-aeroplan\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/span><\/td><td><span style=\"font-size: 10pt;\">Miscellaneous (other)<\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">$2,500 <\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\">2,500 points<\/span><\/td><\/tr><tr style=\"height: 24px;\"><td>&#8211;<\/td><td><span style=\"font-size: 10pt;\"><strong>TOTAL<\/strong><\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\"><strong>$20,000<\/strong><\/span><\/td><td class=\"has-text-align-center\" data-align=\"center\"><span style=\"font-size: 10pt;\"><strong>51,800 points Aeroplan <\/strong><\/span><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\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=\"130154\"\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<p>With this <strong>strategy<\/strong>, we can calculate the values obtained as follows:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>51,800 Aeroplan points ($1,036)<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/amex-marriott-bonvoy-free-night-award\/\">1 free night Marriott<\/a> ($150)<\/li>\n\n\n\n<li>Annual <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/best-cards-credit-rewards-insurance\/\">travel insurance<\/a> for the whole family ($500)<\/li>\n\n\n\n<li>Unlimited access to the <a href=\"https:\/\/milesopedia.com\/en\/reviews\/airport-lounges\/national-bank-airport-lounge-montreal-trudeau\/\">National Bank Lounge<\/a> ($150 for 2 visits for a couple)<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/nbc-annual-travel-credit\/\">National Bank Travel Credit<\/a> ($150)<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/aeroplan-credit-card-free-checked-bag\/\">Free checked baggage<\/a> ($120, for 2 round-trip trips for 2 people)<\/li>\n\n\n\n<li>Savings on conversion fees for <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-foreign-currency\/\">foreign currency<\/a> transactions<\/li>\n\n\n\n<li>etc.<\/li>\n<\/ul><\/div>\n\n\n\n<p>For a total of around <strong>$2,100 in annual savings<\/strong> (the calculations were based on Milesopedia&#8217;s <a href=\"https:\/\/milesopedia.com\/en\/points-miles-value-canada\/\">valuation<\/a>, and a monetary value was given to the portfolio&#8217;s credit card benefits).<\/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=\"175297,177641\"\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\n<p>For example, an individual&#8217;s annual expenditure of <strong>$20,000<\/strong> could generate a <strong>return of<\/strong> <strong>$2,100<\/strong>.<\/p>\n\n\n\n<p>Once you add up the value of the <a href=\"https:\/\/milesopedia.com\/en\/guide\/pay-points-or-cash\/\" target=\"_blank\" rel=\"noopener\">rewards<\/a>, the benefits provided versus the annual fees, they pay off&#8230; in a good way! Minus the annual fee of approximately $709, the annual saving is <strong>$1,391 <\/strong>(or 7% return).<\/p>\n\n\n\n<p>When you don&#8217;t have many credit cards, the best strategy is to make sure you go out and optimize each purchase category. The <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/points-gift-cards-strategy\/\">gift card strategy<\/a> is therefore essential to master.<\/p>\n\n\n\n<p>As you can see, this <strong>travel points<\/strong> strategy yields a significantly lower return when you remove the welcome bonuses from the equation.<\/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=\"143408\"\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<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=\"87931,182305\"\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=\"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>","protected":false},"excerpt":{"rendered":"<p>Here are our strategies for earning credit card travel rewards points with minimal effort and expense!<\/p>","protected":false},"author":1237,"featured_media":347921,"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-249968","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy","mc_market-all-of-canada","tutorial-beginner","tutorial-strategies-en"],"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) - 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