{"id":299092,"date":"2025-12-28T10:15:00","date_gmt":"2025-12-28T15:15:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=299092"},"modified":"2025-12-28T10:24:15","modified_gmt":"2025-12-28T15:24:15","slug":"credit-card-fees-justified","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/credit-card-fees-justified\/","title":{"rendered":"Credit Card Fees: Justifying the Best Keepers for Travel"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Mastering the art of choosing the right credit card for your <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/travel-hacking-become-travel-hacker\/\">travel goals<\/a> is hard, but so is justifying the<strong> credit card fees<\/strong> for the ones you keep in your wallet in the long term.<\/p>\n<p>Indeed, there are different strategies around travel hacking, but it always resolves on two aspects or, more especially, a combination of them:<\/p>\n<ul>\n<li>Signing up for a new credit card to earn a <a target=\"_blank\" href=\"\/?p=107986\">generous welcome bonus<\/a><\/li>\n<li>Maximizing your organic accumulation by <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/management-expenses-credit-cards\/\">choosing the right credit card <\/a>for each category<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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=\"237031\"\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<\/div>[vc_column_text]<\/p>\n<p>The first part is relatively straightforward because it lies in the proper timing to get the <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">best offers<\/a>, avoiding credit card fees and <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy-open-close-cards-credit\/\">closing the card at the right moment<\/a>.<\/p>\n<p>However, that is not a sustainable thing on its own since some issuers will <a href=\"https:\/\/milesopedia.com\/en\/news\/programs\/aeroplan-conditions-usage\/\">limit the number of bonuses<\/a> you can receive or inflict a hefty wait period between applications.<\/p>\n<p>Therefore, you must have a selection of credit cards to help you bring a constant flow of rewards points yearly as a base strategy in your wallet.<\/p>\n<p>What about the credit card fees, then? Aren\u2019t we supposed to <a target=\"_blank\" href=\"\/?p=123149\">avoid<\/a> them as they hinder any benefits we might reap from them?  Not entirely.<\/p>\n<p>In this article, we\u2019ll demonstrate the value you can get from the best long-term keepers for travel and <strong>why paying their credit card fees can be a very good investment<\/strong>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Card Fees &#8211; Travel Favourites&#8221; el_id=&#8221;credit_card_fees_-_travel_favourites&#8221;][vc_column_text]<\/p>\n<p>If you are a member of our <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/milesopedia\">Facebook community<\/a>, you will notice that the same credit cards will come up often as suggestions as keepers from travel hackers. The favourites are all accompanied by <strong>credit card fees<\/strong>, and they are: <\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<table style=\"width: 100%;height: 880px\" width=\"100%\">\n<thead>\n<tr style=\"height: 56px\">\n<td style=\"height: 56px\" width=\"208\">Carte<\/td>\n<td style=\"height: 56px\" width=\"416\">Frais annuels<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-cobalt\/\">Carte Cobalt<sup>MD<\/sup> American Express<\/a><\/td>\n<td style=\"height: 80px\" width=\"416\">\n<p style=\"text-align: center\">191,88&nbsp;$<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-platine-pme\/\">Carte de Platine entreprise<sup>MD<\/sup> d\u2019American Express<\/a><\/td>\n<td style=\"height: 80px\" width=\"416\">\n<p style=\"text-align: center\">799&nbsp;$<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-marriott\/\">Carte Marriott Bonvoy<sup>MD<\/sup> American Express<sup>MD<\/sup>*<\/a><\/td>\n<td style=\"height: 80px\" width=\"416\">\n<p style=\"text-align: center\">120&nbsp;$<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 104px\">\n<td style=\"height: 104px\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-marriott-pme\/\">Carte Marriott Express<sup>MD<\/sup> Entreprise American Express<sup>MD<\/sup>*<\/a><\/td>\n<td style=\"height: 104px\" width=\"416\">\n<p style=\"text-align: center\">150&nbsp;$<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/bnc-world-elite\/\">Carte World Elite Mastercard de la Banque Nationale<\/a><\/td>\n<td style=\"height: 80px\" width=\"416\">\n<p style=\"text-align: center\">150&nbsp;$<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px\" width=\"208\"><a title=\"Carte Visa Infinite* Passeport<sup>MD<\/sup> Banque Scotia\" href=\"https:\/\/milesopedia.com\/go\/scotia-infinite-passeport\/\" rel=\"noindex\">Carte Visa Infinite* Passeport<sup>MD<\/sup> Banque Scotia<\/a><\/td>\n<td style=\"height: 80px\" width=\"416\">\n<p style=\"text-align: center\">150&nbsp;$<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-td-classe-ultime-voyages\/\">Carte Visa Infinite* TD Classe ultime Voyages<sup>MD<\/sup><\/a><\/td>\n<td>\n<p style=\"text-align: center\">139&nbsp;$<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/scotia-amex-or\/\">Carte American Express<sup>MD<\/sup> Or de la Banque Scotia<sup>MD<\/sup><\/a><\/td>\n<td style=\"height: 80px\" width=\"416\">\n<p style=\"text-align: center\">120&nbsp;$<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/td-aeroplan-visa-infinite\/\">Carte Visa Infinite* TD<sup>MD<\/sup> A\u00e9roplan<sup>MD<\/sup><\/a><\/td>\n<td style=\"height: 80px\" width=\"416\">\n<p style=\"text-align: center\">139&nbsp;$<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-prestige-aeroplan\/\">Carte Prestige A\u00e9roplan<sup>MD<\/sup>* American Express<sup>MD<\/sup><\/a><\/td>\n<td style=\"height: 80px\" width=\"416\">\n<p style=\"text-align: center\">599&nbsp;$<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p>With the long-term travel strategy in mind, I\u2019ll compare these cards across different categories in order to <strong>justify their credit card fees<\/strong> and why they are considered keepers.<\/p>\n<p>[\/vc_column_text][vc_message]<\/p>\n<p>It\u2019s important to note that I am not suggesting you should have all the above-mentioned credit cards in your wallet; it is up to you to decide which one (or ones) that fits your needs the best according to their perks and consumer profile.<\/p>\n<p>Indeed, you may not be interested in airport lounge access or you don\u2019t need to hold two credit cards if the only reason is for the same benefit such as no-foreign conversion fees.<\/p>\n<p>[\/vc_message]<div class=\"wpb_content_element wpb_miles_element\">\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Card Fees &#8211; The Current Welcome Bonus&#8221; el_id=&#8221;credit_card_fees_-_the_current_welcome_bonus&#8221;][vc_column_text]<\/p>\n<p>Here are the <a target=\"_blank\" href=\"\/?p=107986\">current welcome offers<\/a> for the favourite travel keeper cards as well as <a href=\"https:\/\/milesopedia.com\/en\/points-miles-value-canada\/\">Milesopedia&#8217;s estimation<\/a> of their value for the first year.<\/p>\n<p>As you can see, the offers are quite generous and often broadly cover the cost of the credit card fees <a target=\"_blank\" href=\"\/?p=247141\">if they are not waived<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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='10'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--9 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=\"22621,22613,267909,22624,22653,22642,22640,68381,100492,108763,22724\"\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>\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>\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Card Fees &#8211; The Minimal Income Requirement&#8221; el_id=&#8221;credit_card_fees_-_the_minimal_income_requirement&#8221;][vc_column_text]<\/p>\n<p>Half of the best credit card keepers for travel are <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/amex\/\">American Express cards<\/a>, and they <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/credit-cards-with-no-minimum-income-requirement\/\">require no minimal income<\/a>.<\/p>\n<p>As for the others, make sure you go over the whole list of <a href=\"https:\/\/milesopedia.com\/en\/guide\/income-application-credit-card\/\">eligible income amounts<\/a> that can be taken into consideration before overlooking a card because you don\u2019t meet the conditions solely with your salary.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<table style=\"width: 100%\">\n<thead>\n<tr>\n<td style=\"width: 46.3003%\" width=\"208\">Card<\/td>\n<td style=\"width: 53.1136%\" width=\"406\">Minimum income<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 46.3003%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/td>\n<td style=\"width: 53.1136%\" width=\"406\">None<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 46.3003%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-business-platinum-card\/\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a><\/td>\n<td style=\"width: 53.1136%\" width=\"406\">None<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 46.3003%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-marriott-bonvoy-card\/\">Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card<\/a><\/td>\n<td style=\"width: 53.1136%\" width=\"406\">None<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 46.3003%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-marriott-bonvoy-business-card\/\">Marriott Bonvoy<sup>&reg;<\/sup> Business American Express<sup>&reg;<\/sup>* Card<\/a><\/td>\n<td style=\"width: 53.1136%\" width=\"406\">None<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 46.3003%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\">National Bank World Elite Mastercard<sup>&reg;<\/sup> card<\/a><\/td>\n<td style=\"width: 53.1136%\" width=\"406\">80,000 personal or $150,000 family<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 46.3003%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\">Scotiabank Passport\u2122 Visa Infinite* Card<\/a><\/td>\n<td style=\"width: 53.1136%\" width=\"406\">60,000 personal or $100,000 family<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 46.3003%\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-first-class-travel-visa-infinite-card-qc\/\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td>\n<td style=\"width: 53.1136%\">60,000 personal or $100,000 family<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 46.3003%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a><\/td>\n<td style=\"width: 53.1136%\" width=\"406\">12,000 personal<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 46.3003%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td>\n<td style=\"width: 53.1136%\" width=\"406\">60,000 personal or $100,000 family<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 46.3003%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-aeroplan-reserve\/\">American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Reserve Card<\/a><\/td>\n<td style=\"width: 53.1136%\" width=\"406\">None<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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=\"253379,136815\"\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Card Fees &#8211; Point-Earning Potential&#8221; el_id=&#8221;credit_card_fees_-_point-earning_potential&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>As long-term keepers, we must look at point-earning potential when trying to<strong> justify paying credit card fees<\/strong>.<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> comes out on top in this category because you can earn the most points organically on the most basic daily expenses such as <a href=\"https:\/\/milesopedia.com\/en\/guides\/tutoriels\/savings-supermarket-comparison-programs-rewards\/\" target=\"_blank\" rel=\"noopener\">groceries<\/a>, restaurants and various merchants through the <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/5-points-stores\/\">gift card strategy<\/a>.<\/p>\n<p>In <a target=\"_blank\" href=\"\/en?p=276541\">this article<\/a>, I\u2019ve compared the value of the rewards you can get with the <a href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> versus other products without credit card fees and demonstrated it\u2019s still more advantageous despite the fees.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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=\"276526,143408\"\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><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<\/div>[vc_column_text]<\/p>\n<p>Of course, while the <a href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/american-express-cards-acceptance-canada-quebec\/\">widely accepted<\/a>, it\u2019s still being denied in some places. That is why you should have backup options such as the <a href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\">National Bank World Elite Mastercard<\/a> (or any other Visa or Mastercard that can earn the <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-travel-rewards-program-for-you\/\">types of points you are looking for<\/a>). <\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"width: 100%\" width=\"100%\">\n<thead>\n<tr>\n<td style=\"width: 41.978%\" width=\"208\">Card<\/td>\n<td style=\"width: 57.4359%\" width=\"416\">Accumulation rate<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 41.978%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/td>\n<td style=\"width: 57.4359%\" width=\"416\">\n<ul>\n<li>5x the points on eligible eats and drinks in Canada, including groceries and food delivery.<\/li>\n<li>3x points on eligible streaming subscriptions in Canada.<\/li>\n<li>2 points for every $1 spent on eligible transit &amp; gas purchases in Canada.<\/li>\n<li>1 point for every $1 in card purchases everywhere else.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 41.978%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-business-platinum-card\/\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a><\/td>\n<td style=\"width: 57.4359%\" width=\"416\">\n<ul>\n<li>1.25 points on everything.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 41.978%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-marriott-bonvoy-card\/\">Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card<\/a><\/td>\n<td style=\"width: 57.4359%\" width=\"416\">\n<ul>\n<li>5 points for every dollar at hotels participating in the Marriott Bonvoy<sup>&reg;<\/sup> program.<\/li>\n<li>2 points for every $1 on all other Card purchases<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 41.978%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-marriott-bonvoy-business-card\/\">Marriott Bonvoy<sup>&reg;<\/sup> Business American Express<sup>&reg;<\/sup>* Card<\/a><\/td>\n<td style=\"width: 57.4359%\" width=\"416\">\n<ul>\n<li>5 points for every $1 in Card purchases at participating Marriott Bonvoy hotels<\/li>\n<li>3 points for every $1 spent on eligible gas, dining and travel<\/li>\n<li>2 points for every $1 spent on everything else<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 41.978%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\">National Bank World Elite Mastercard<\/a><\/td>\n<td style=\"width: 57.4359%\" width=\"416\">\n<ul>\n<li>5 points per dollar on grocery and restaurant purchases<\/li>\n<li>2 points per dollar on gas and electric recharging purchases<\/li>\n<li>2 points per dollar on recurring bills<\/li>\n<li>2 points per dollar on \u00c0 la carte Travels<\/li>\n<li>1 point per dollar on all other purchases<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 41.978%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\">Scotiabank Passport\u2122 Visa Infinite* Card<\/a><\/td>\n<td style=\"width: 57.4359%\" width=\"416\">\n<ul>\n<li>3X Scene+ points for every dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voil\u00e0 by Sobeys, Voil\u00e0 by IGA, Voil\u00e0 by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les March\u00e9s Tradition, Rachelle B\u00e9ry and Co-Op<\/li>\n<li>2X Scene+ points on groceries, restaurants, entertainment and transportation.<\/li>\n<li>1X Scene+ points on everything else<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 41.978%\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-first-class-travel-visa-infinite-card-qc\/\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td>\n<td style=\"width: 57.4359%\">\n<ul>\n<li>8 points for every $1 you spend when you book travel through Expedia<sup>&reg;<\/sup> For TD<\/li>\n<li>6 points for every $1 you spend on groceries and restaurants<\/li>\n<li>4 points for every $1 you spend on regularly recurring bill payments set up on your account<\/li>\n<li>2 points for every $1 you spend on other purchases<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 41.978%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-gold-american-express-card\/\">Scotiabank<sup>&reg;<\/sup> Gold American Express<sup>&reg;<\/sup> Card<\/a><\/td>\n<td style=\"width: 57.4359%\" width=\"416\">\n<ul>\n<li>6X Scene+ points for every dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voil\u00e0 by Sobeys, Voil\u00e0 by IGA, Voil\u00e0 by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les March\u00e9s Tradition, Rachelle B\u00e9ry and Co-Op.<\/li>\n<li>5X Scene+ points for every $1 spent at eligible grocery stores, restaurants, fast-food outlets and beverage outlets. Includes popular food delivery and subscription services. <\/li>\n<li>3X Scene+ points for every $1 spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more <\/li>\n<li>1X Scene+ point for every $1 spent on every other purchase.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 41.978%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td>\n<td style=\"width: 57.4359%\" width=\"416\">\n<ul>\n<li>Earn 1.5 points\u2020 for every dollar spent on eligible gas, groceries and Air Canada<sup>&reg;<\/sup> direct purchases (including Air Canada<sup>&reg;<\/sup> Vacations) made with your card.<\/li>\n<li>Earn 1 point\u2020 for every dollar spent on all other purchases made with your card.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 41.978%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-aeroplan-reserve\/\">American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Reserve Card<\/a><\/td>\n<td style=\"width: 57.4359%\" width=\"416\">\n<ul>\n<li>3X points on purchases made directly with Air Canada and Air Canada Vacations<\/li>\n<li>2X points on restaurant and food delivery purchases in Canada<\/li>\n<li>1.25X points everywhere else<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p>As you can see, there\u2019s no one credit card that is THE best one; you need to build a wallet to maximize all spending categories fit for your specific profile and needs.<\/p>\n<p>It is also fairly easy to apply for an <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-process-amex-small-business-cards\/\">American Express business card<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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=\"135038\"\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Card Fees &#8211; Travel Redemption Options&#8221; el_id=&#8221;credit_card_fees_-_travel_redemption_options&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Les options d&#8217;\u00e9change suivantes sont les principales que vous pouvez utiliser pour voyager. Il ne tient pas compte d&#8217;autres utilisations telles que l&#8217;achat de biens ou de cartes-cadeaux, car nous voulons mettre en \u00e9vidence leur utilisation la plus rentable.<\/p>\n<p>Le <strong>fait de payer les frais de carte de cr\u00e9dit<\/strong> vous permet \u00e9galement d&#8217;utiliser les programmes de points internes tels que <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/points-privileges-american-express\/\">Points-privil\u00e8ges American Express<\/a>, <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/bnc-plan-recompenses-a-la-carte\/\">BNC R\u00e9compenses \u00e0 la carte<\/a> ou <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/rbc-avion-recompenses\/\">RBC Avion R\u00e9compenses<\/a>, qui sont excellents lorsqu&#8217;il s&#8217;agit de points flexibles que vous pouvez utiliser pour tout type d&#8217;achat de voyage ou de <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/liste-principaux-programmes-transfert-points-canada\/\">points transf\u00e9rables<\/a>.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"width: 100%\" width=\"100%\">\n<thead>\n<tr>\n<td style=\"width: 39.5604%\" width=\"208\">Carte<\/td>\n<td style=\"width: 59.8535%\" width=\"416\">Options d&#8217;utilisation<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 39.5604%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-cobalt\/\">Carte Cobalt<sup>MD<\/sup> American Express<\/a><\/td>\n<td style=\"width: 59.8535%\" rowspan=\"2\" width=\"416\">\n<ul>\n<li>Utilisez ces points comme cr\u00e9dits de relev\u00e9 pour vos achats quotidiens ou vos voyages (1 000 points = 10&nbsp;$).<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/tutoriel-transfert-points-privileges\/\">Transf\u00e9rez vos points<\/a> vers <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/aeroplan\/\">A\u00e9roplan<\/a>, <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/flying-blue\/\">Flying Blue<\/a>, <a href=\"https:\/\/milesopedia.com\/guides\/strategies\/guide-ultime-avios\/\">Avios<\/a>, <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/marriott-bonvoy\/\">Marriott Bonvoy<\/a>, <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/hilton-honors\/\">Hilton Honors<\/a>, etc.<\/li>\n<li>Programme de voyage \u00e0 points fixes d&#8217;American Express<\/li>\n<li>Programme de points flexibles d&#8217;American Express<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 39.5604%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-platine-pme\/\">Carte de Platine entreprise<sup>MD<\/sup> d\u2019American Express<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 39.5604%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-marriott\/\">Carte Marriott Bonvoy<sup>MD<\/sup> American Express<sup>MD<\/sup>*<\/a><\/td>\n<td style=\"width: 59.8535%\" rowspan=\"2\" width=\"416\">\n<ul>\n<li>S\u00e9jours \u00e0 l&#8217;h\u00f4tel dans les <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/carte-complete-hotels-marriott-bonvoy-par-categorie\/\">\u00e9tablissements Marriott du monde entier<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/liste-principaux-programmes-transfert-points-canada\/\">Transf\u00e9rez vos points<\/a> vers diff\u00e9rentes compagnies a\u00e9riennes<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 39.5604%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-marriott-pme\/\">Carte Marriott Express<sup>MD<\/sup> Entreprise American Express<sup>MD<\/sup>*<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 39.5604%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/bnc-world-elite\/\">Carte World Elite Mastercard de la Banque Nationale<\/a><\/td>\n<td style=\"width: 59.8535%\" width=\"416\">\n<ul>\n<li>Remboursement des vols et des forfaits vacances sur l&#8217;agence de voyage \u00c0 la carte<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/comment-utiliser-points-recompenses-bnc-voyages\/\">Remboursement sur tout achat de voyage<\/a> effectu\u00e9 avec la carte (vols, h\u00f4tels, <a href=\"https:\/\/milesopedia.com\/guides\/strategies\/economiser-sur-airbnb\/\">Airbnb<\/a>, <a href=\"https:\/\/milesopedia.com\/guides\/activites\/tout-inclus-meilleures-cartes-de-credit-vacances-sud\/\">tout compris<\/a>, etc.).<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/guides\/strategies\/investir-points-cartes-recompenses\/\">\u00c9change contre des produits financiers<\/a> (cotisations au REER et au CELI)<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 39.5604%\"><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-td-classe-ultime-voyages\/\">Carte Visa Infinite* TD Classe ultime Voyages<sup>MD<\/sup><\/a><\/td>\n<td style=\"width: 59.8535%\">\n<ul>\n<li>\u00c9changez vos points sur <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/guide-expedia-pour-la-td\/\">Expedia pour la TD<\/a> (1 000 points = 10&nbsp;$)<\/li>\n<li>Utilisez ces points comme cr\u00e9dits de relev\u00e9 pour vos achats de voyages (225 points = 1&nbsp;$)<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 39.5604%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/scotia-infinite-passeport\/\">Carte Visa Infinite* Passeport<sup>MD<\/sup> Banque Scotia<\/a><\/td>\n<td style=\"width: 59.8535%\" rowspan=\"2\" width=\"416\">\n<ul>\n<li>Utilisez ces points comme <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/comment-utiliser-points-scene-economiser-voyage\/\">cr\u00e9dits de relev\u00e9<\/a> pour vos achats courants ou de voyage (1 000 points = 10&nbsp;$).<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 39.5604%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/scotia-amex-or\/\">Carte American Express<sup>MD<\/sup> Or de la Banque Scotia<sup>MD<\/sup><\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 39.5604%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/td-aeroplan-visa-infinite\/\">Carte Visa Infinite* TD<sup>MD<\/sup> A\u00e9roplan<sup>MD<\/sup><\/a><\/td>\n<td style=\"width: 59.8535%\" rowspan=\"2\" width=\"416\">\n<ul>\n<li>\u00c9changer contre des <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/comment-reserver-voyage-points-aeroplan\/\">vols d&#8217;Air Canada<\/a> et de <a href=\"https:\/\/milesopedia.com\/guides\/star-alliance-reseau-compagnies-aeriennes\/\">ses partenaires<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 39.5604%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-prestige-aeroplan\/\">Carte Prestige A\u00e9roplan<sup>MD<\/sup>* American Express<sup>MD<\/sup><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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=\"248186,194706,130325,214598\"\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Card Fees &#8211; Travel and Other Credits&#8221; el_id=&#8221;credit_card_fees_-_travel_and_other_credits&#8221;][vc_column_text]<\/p>\n<p>These great products also come with recurrent travel or other credits, which can <strong>offset partially or entirely the credit card fees<\/strong> you are paying.<\/p>\n<p>American Express is the most generous with <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/american-express-offers\/\">its various promotional offers<\/a>, which can benefit everyone, such as credits on specific groceries (Adonis, Voil\u00e0 IGA, etc.) or the <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/amex-marriott-bonvoy-free-night-award\/\">Marriott Bonvoy annual free night\u2019s awards<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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=\"70999\"\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<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>As a matter of fact, I\u2019ve recently been to Portland, Maine with my family and used two of them to cover our accommodation expenses.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;299118&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_single_image image=&#8221;299116&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Indeed, I paid $120 and $150 in credit card fees respectively to keep my <a href=\"https:\/\/milesopedia.com\/en\/go\/amex-marriott-bonvoy-card\/\">Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card<\/a> and my <a href=\"https:\/\/milesopedia.com\/en\/go\/amex-marriott-bonvoy-business-card\/\">Marriott Bonvoy<sup>&reg;<\/sup> Business American Express<sup>&reg;<\/sup>* Card<\/a>.<\/p>\n<p>The<a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/amex-marriott-bonvoy-free-night-award\/\"> redemption of the certificates<\/a> allowed us to avoid paying over $400 CAD per night for our little getaway. I had a total of 3 award nights to use because I also benefited from a <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/promotion-marriott-bonvoy\/\">targeted promotion<\/a> from last spring. <\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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=\"66018\"\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<\/div>[vc_column_text]<\/p>\n<p>Another example is the <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/nexus-global-entry-fast-track-frontiers\/\">Nexus credit<\/a> many cards offer, which is great to cover the cost of our family\u2019s membership to fast-track across borders!<\/p>\n<p>When you tally up everything you get and consider the credit card fees you are paying, you will often come out on top if all is justified.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"width: 100%;height: 1024px\" width=\"100%\">\n<thead>\n<tr style=\"height: 56px\">\n<td style=\"height: 56px;width: 42.8571%\" width=\"208\">Card<\/td>\n<td style=\"height: 56px;width: 56.5568%\" width=\"416\">Credits<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px;width: 42.8571%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/td>\n<td style=\"height: 80px;width: 56.5568%\" width=\"416\">\n<ul>\n<li>Various <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/american-express-offers\/\">Amex promotional offers<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 128px\">\n<td style=\"height: 128px;width: 42.8571%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-business-platinum-card\/\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a><\/td>\n<td style=\"height: 128px;width: 56.5568%\" width=\"416\">\n<ul>\n<li>Various <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/american-express-offers\/\">Amex promotional offers<\/a><\/li>\n<li>$200 annual travel credit<\/li>\n<li>$100 <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/nexus-global-entry-fast-track-frontiers\/\">Nexus<\/a> Credit<\/li>\n<li>$120 Wireless credit<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px;width: 42.8571%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-marriott-bonvoy-card\/\">Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card<\/a><\/td>\n<td style=\"height: 184px;width: 56.5568%\" rowspan=\"2\" width=\"416\">\n<ul>\n<li>Various <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/american-express-offers\/\">Amex promotional offers<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/amex-marriott-bonvoy-free-night-award\/\">Annual free night award<\/a><\/li>\n<li>15 free <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/marriott-bonvoy-elite-status-benefits\/\">Elite-night credits<\/a> per year<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 104px\">\n<td style=\"height: 104px;width: 42.8571%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-marriott-bonvoy-business-card\/\">Marriott Bonvoy<sup>&reg;<\/sup> Business American Express<sup>&reg;<\/sup>* Card<\/a><\/td>\n<\/tr>\n<tr style=\"height: 104px\">\n<td style=\"height: 104px;width: 42.8571%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\">National Bank World Elite Mastercard<\/a><\/td>\n<td style=\"height: 104px;width: 56.5568%\" width=\"416\">\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/nbc-annual-travel-credit\/\">$150 annual travel credit<\/a> applicable on: <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-parking-airport\/\">airport parking<\/a>, baggage fees, <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/seatguru-best-sieges\/\">seat selection<\/a>, access to airport lounges, <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/bid-upgrades-air-canada\/\">flight upgrades<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px;width: 42.8571%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\">Scotiabank Passport\u2122 Visa Infinite* Card<\/a><\/td>\n<td style=\"height: 80px;width: 56.5568%\" width=\"416\">\n<ul>\n<li>None<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 42.8571%\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-first-class-travel-visa-infinite-card-qc\/\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td>\n<td style=\"width: 56.5568%\">\n<ul>\n<li>$100 annual travel credit on a transaction of $500 or more on <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/expedia-for-td-guide\/\">Expedia For TD<\/a><\/li>\n<li>Birthday bonus equal to 10% of the total number of TD Rewards Points earned over the 12 months<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px;width: 42.8571%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-gold-american-express-card\/\">Scotiabank<sup>&reg;<\/sup> Gold American Express<sup>&reg;<\/sup> Card<\/a><\/td>\n<td style=\"height: 80px;width: 56.5568%\" width=\"416\">\n<ul>\n<li>Various <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/american-express-offers\/\">Amex promotional offers<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px;width: 42.8571%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td>\n<td style=\"height: 80px;width: 56.5568%\" width=\"416\">\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/nexus-global-entry-fast-track-frontiers\/\">Nexus<\/a> Credit<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 80px\">\n<td style=\"height: 80px;width: 42.8571%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/en\/go\/amex-aeroplan-reserve\/\">American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Reserve Card<\/a><\/td>\n<td style=\"height: 80px;width: 56.5568%\" width=\"416\">\n<ul>\n<li>Various <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/american-express-offers\/\">Amex promotional offers<\/a><\/li>\n<li>$100 <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/nexus-global-entry-fast-track-frontiers\/\">Nexus<\/a> Credit<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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=\"137717\"\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Card Fees &#8211; Additional Travel Perks&#8221; el_id=&#8221;credit_card_fees_-_additional_travel_perks&#8221;][vc_column_text]<\/p>\n<p>Other great travel perks <strong>justify the credit card fees<\/strong> you are paying such as <a href=\"https:\/\/milesopedia.com\/en\/guides\/strategies\/free-airport-lounge-access\/\">Lounge Access<\/a> or <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/insurance\/\">Travel Insurance<\/a>.<\/p>\n<p>I&#8217;ve often compared the cost of purchasing private travel insurance with credit card fees and the latter is almost always cheaper. That is just another perk that adds up on everything else I\u2019ve already mentioned in this article. <\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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=\"195766\"\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<\/div>[vc_column_text]<\/p>\n<p>Similarly, if you can\u2019t contain your stuff in a <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/travel-with-carry-on-luggage-light-trip\/\">carry-on luggage<\/a>, having a credit card such as the <a href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> is great to <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/free-checked-bag-air-canada-credit-card-aeroplan\/\">cover the cost of checked bags<\/a> for every trip on Air Canada and for everyone travelling on the same reservation as yourself!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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=\"175297\"\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<\/div>[vc_column_text]<\/p>\n<p>Finally, <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/lounges\/\">VIP Lounge access<\/a> is another popular travel perk people like having and paying credit card fees can be very much worth it depending on the number of entries you need and what you are able to consume as compared to airport restaurants and bars!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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=\"251069,49443\"\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<\/div>[vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"width: 100%\" width=\"100%\">\n<thead>\n<tr>\n<td style=\"width: 36.5568%\" width=\"208\">Carte<\/td>\n<td style=\"width: 62.8571%\" width=\"416\">Avantages li\u00e9s aux voyages<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 36.5568%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-cobalt\/\">Carte Cobalt<sup>MD<\/sup> American Express<\/a><\/td>\n<td style=\"width: 62.8571%\" width=\"416\">\n<ul>\n<li>Une excellente <a href=\"https:\/\/milesopedia.com\/finances-personnelles\/assurances\/assurance-appareils-mobiles\/\">assurance pour les appareils mobiles<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.5568%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-platine-pme\/\">Carte de Platine entreprise<sup>MD<\/sup> d\u2019American Express<\/a><\/td>\n<td style=\"width: 62.8571%\" width=\"416\">\n<ul>\n<li>Excellente assurance voyage<\/li>\n<li>Acc\u00e8s gratuit et illimit\u00e9 \u00e0 plus de 1300 salons d&#8217;a\u00e9roport dans le monde entier pour vous-m\u00eame et un invit\u00e9 (le r\u00e9seau des salons Centurion<sup>&reg;<\/sup>, les salons <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/plaza-premium-salons-aeroport\/\">Plaza Premium<\/a> et des centaines d&#8217;autres salons nationaux et internationaux).<\/li>\n<li>Une \u00e9quipe de concierges d\u00e9di\u00e9e<\/li>\n<li>Statut Marriott Bonvoy Gold Elite<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/recompenses\/avantages-statuts-hilton-honors\/\">Statut Hilton Honors Gold<\/a><\/li>\n<li>Acc\u00e8s au <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/fine-hotels-resorts-american-express\/\">programme Fine Hotels &amp; Resorts<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.5568%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-marriott\/\">Carte Marriott Bonvoy<sup>MD<\/sup> American Express<sup>MD<\/sup>*<\/a><\/td>\n<td style=\"width: 62.8571%\" rowspan=\"2\" width=\"416\">\n<ul>\n<li>Statut Marriott Bonvoy Silver Elite<\/li>\n<li>Acc\u00e9der rapidement au statut Marriott Bonvoy Gold Elite avec 15 cr\u00e9dits de nuits Elite<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.5568%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-marriott-pme\/\">Carte Marriott Express<sup>MD<\/sup> Entreprise American Express<sup>MD<\/sup>*<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.5568%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/bnc-world-elite\/\">Carte World Elite Mastercard de la Banque Nationale<\/a><\/td>\n<td style=\"width: 62.8571%\" width=\"416\">\n<ul>\n<li>Adh\u00e9sion \u00e0 <a href=\"https:\/\/milesopedia.com\/guides\/strategies\/comment-fonctionne-dragonpass-acces-salons-aeroport\/\">DragonPass<\/a><\/li>\n<li>Acc\u00e8s illimit\u00e9 au <a href=\"https:\/\/milesopedia.com\/avis\/salon\/world-mastercard-banque-nationale-aeroport-yul-montreal-trudeau\/\">Salon BNC \u00e0 YUL<\/a> pour vous-m\u00eame et un invit\u00e9<\/li>\n<li>Excellente assurance voyage, notamment en ce qui concerne la <a href=\"https:\/\/milesopedia.com\/finances-personnelles\/assurances\/assurance-soins-medicaux-urgence-cartes-credit\/\">couverture m\u00e9dicale<\/a> pour les personnes de moins de 54 ans<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.5568%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/scotia-infinite-passeport\/\">Carte Visa Infinite* Passeport<sup>MD<\/sup> Banque Scotia<\/a><\/td>\n<td style=\"width: 62.8571%\" width=\"416\">\n<ul>\n<li>Pas de frais suppl\u00e9mentaires de <a href=\"https:\/\/milesopedia.com\/guides\/strategies\/economiser-devises-etrangeres\/\">conversion de devises \u00e9trang\u00e8res<\/a><\/li>\n<li>Adh\u00e9sion \u00e0 <a href=\"https:\/\/milesopedia.com\/guides\/strategies\/comment-fonctionne-dragonpass-acces-salons-aeroport\/\">DragonPass<\/a> + 6 acc\u00e8s annuels gratuits aux salons<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.5568%\"><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-visa-infinite-td-classe-ultime-voyages\/\">Carte Visa Infinite* TD Classe ultime Voyages<sup>MD<\/sup><\/a><\/td>\n<td style=\"width: 62.8571%\">\n<ul>\n<li>Excellente <a href=\"https:\/\/milesopedia.com\/finances-personnelles\/assurances\/assurances-carte-visa-infinite-td-classe-ultime-voyages\/\" target=\"_blank\" rel=\"noopener\">assurance voyage<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.5568%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/scotia-amex-or\/\">Carte American Express<sup>MD<\/sup> Or de la Banque Scotia<sup>MD<\/sup><\/a><\/td>\n<td style=\"width: 62.8571%\" width=\"416\">\n<ul>\n<li>Pas de frais suppl\u00e9mentaires de <a href=\"https:\/\/milesopedia.com\/guides\/strategies\/economiser-devises-etrangeres\/\">conversion de devises \u00e9trang\u00e8res<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.5568%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/td-aeroplan-visa-infinite\/\">Carte Visa Infinite* TD<sup>MD<\/sup> A\u00e9roplan<sup>MD<\/sup><\/a><\/td>\n<td style=\"width: 62.8571%\" width=\"416\">\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/bagage-enregistre-gratuit-carte-credit-aeroplan\/\">Premier bagage enregistr\u00e9 gratuit<\/a> pour un maximum de 8 personnes voyageant avec la m\u00eame r\u00e9servation sur les vols d&#8217;Air Canada<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/guides\/strategies\/comparaison-prix-preferentiels-aeroplan\/\">Taux pr\u00e9f\u00e9rentiel A\u00e9roplan<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.5568%\" width=\"208\"><a href=\"https:\/\/milesopedia.com\/go\/amex-prestige-aeroplan\/\">Carte Prestige A\u00e9roplan<sup>MD<\/sup>* American Express<sup>MD<\/sup><\/a><\/td>\n<td style=\"width: 62.8571%\" width=\"416\">\n<ul>\n<li>Enregistrement prioritaire d&#8217;Air Canada, embarquement prioritaire d&#8217;Air Canada et traitement prioritaire des bagages d&#8217;Air Canada<\/li>\n<li>Une <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/passe-compagnon-monde-air-canada\/\">passe annuelle de compagnon dans le monde entier<\/a> si vous d\u00e9pensez 25&nbsp;000&nbsp;$ d&#8217;achats nets avant la date anniversaire de votre carte.<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/guides\/strategies\/acces-salons-feuille-erable-air-canada\/\">Acc\u00e8s \u00e0 certains salons Feuille d&#8217;\u00e9rable d&#8217;Air Canada\u2122*<\/a> et Air Canada Caf\u00e9\u2122 en Am\u00e9rique du Nord pour vous et un invit\u00e9.<\/li>\n<li>Acc\u00e8s aux <a href=\"https:\/\/milesopedia.com\/guides\/strategies\/comment-fonctionne-programme-priority-pass\/\">salons Priority Pass<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/bagage-enregistre-gratuit-carte-credit-aeroplan\/\">Premier bagage enregistr\u00e9 gratuit<\/a> pour un maximum de 9 personnes voyageant sur la m\u00eame r\u00e9servation sur les vols d&#8217;Air Canada<\/li>\n<li>Reportez tous les <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/air-canada-statut-aeroplan\/\">miles de qualification du statut<\/a> A\u00e9roplan Elite\u2122* non attribu\u00e9s et jusqu&#8217;\u00e0 50 <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/economiser-esurclassements-aeroplan-affaires\/\">cr\u00e9dits eSurclassements<\/a> sur l&#8217;ann\u00e9e suivante.<\/li>\n<li>Exp\u00e9riences American Express<\/li>\n<li>Taux pr\u00e9f\u00e9rentiel A\u00e9roplan<\/li>\n<li>Excellente assurance voyage<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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=\"120827,204105,48056,120839\"\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<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text]<\/p>\n<p>First, there isn\u2019t ONE great long-term keeper card; you will require a few to cover every category, such as earning potential to travel perks. While <strong>all the favourites<\/strong> <strong>come with credit card fees<\/strong>, they are considered picks for a reason, and they can all be justified. <\/p>\n<p>In the end, if you select the appropriate cards for your lifestyle and needs in your wallet, you will reap more in value than what you are paying as credit card fees. Indeed, all my travel keeper cards come with a fee, but I can\u2019t say it\u2019s genuinely costing me anything. <\/p>\n<p>What are your favourites in terms of travel keeper cards? Are you maximizing everything they offer to offset the credit card fees? Join us to discuss it in our <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/milesopedia\">Facebook Community<\/a>!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\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='10'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--10 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=\"22621,22613,267909,22624,22653,22642,22640,68381,100492,108763,22724,401432\"\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 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