Canada Forums

Post New Topic

Recent Activity

View all Canada activity »
  1. 1 Initial planning for Vancouver and Tofino in September
  2. 2 Victoria or Qualicum BEACH in winter
  3. 3 Rockies Tour, itinerary critic.
  4. 4 Vancouver in June
  5. 5 Halifax to Moncton
  6. 6 Marriott Chateau Champlain beside Bell Centre
  7. 7 Rockies or Atlantic Canada?
  8. 8 youth group trip to nova scotia and prince edward island
  9. 9 Restaurant in Montreal underground
  10. 10 3 days in europe
  11. 11 Qualicum Beach, North of Nashville concert
  12. 12 30th anniversary spot in BC or Alberta in August
  13. 13 Vancouver Chinatown Night Markets
  14. 14 Quebec province GTG?
  15. 15 57 YEAR OLD GRANDMOTHER BACKPACKS ACROSS CANADA
  16. 16 banff - trail closed - be bear wise
  17. 17 Quebec Jazz? other to do's?
  18. 18 Trip Report Bromont - a perfect getaway
  19. 19 Trip Report Best hikes in Banff
  20. 20 Affordable accommodation for 5 in Tofino
  21. 21 Taking Amtrak from Plattsburg to Montreal
  22. 22 Is this area in Montreal safe?
  23. 23 Train to Vancouver from Toronto
  24. 24 Pros and Cons of using a Car in Vancouver
  25. 25 Nova Scotia hotels
View next 25 » Back to the top

Best Travel Credit Cards?

Jump to last reply

Anyone have any suggestions for the best Canadian travel credit cards? Been to creditcards.ca, ratesupermarket and www.greedyrates.ca

I want a credit card where i can accumulate points and use them for travel, but also be able to use the card while i travel, want good insurance coverage as well.

  • Report Abuse

    I used www.canipayless.com and found a good travel card plus a really good grocery/gas card. If you look in the preferences you can choose different travel benefits so I think that's what you're looking for.

  • Report Abuse

    First of all, the best card for travel is the one that will charge you the lowest exchange loading when travelling outside Canada. Unfortunately, Canada has none that are very good. I use a card from a UK bank that charges 0% exchange loading. Most in Canada charge 2.5%

    Second, if by points you mean air miles, that may or may not be the best idea. How much will you purchase using the card per year? That will give you a way to determine how many miles you can expect to accumulate for air travel. It might not be a signifigant enough amount.

    I do not collect air miles any more. Instead I purchase everything on a President's Choice card which gives you points you can then spend in PC stores. This is the equivalent of 2% CASH if you use it enough or 1% if you don't spend enough on it monthly to get upgraded to 2%. That 2% is arguably better than the cash value of air miles.

    If I want to fly, I buy a ticket and then instead of buying groceries I use points to buy the groceries. In other words, I use the points to free up cash in the bank to buy flights.

    That way I am not tied to an airline or blackout periods or anything else. Nor am I tied to buying flights, it's cash, I can buy anything.

    You also lump in insurance. By that I presume you mean 'free' insurance provided as a perk by the card issuer. Normally, the cards that offer 'free travel insurance' only cover trips of a certain length and the coverage they offer is not particularly good. It may or may NOT cover your needs.

    You compare insurance policies based on what they cover, not on price alone. Insurance is useless if it doesn't cover what you want it to cover.

    Bottom line, I think your thinking is wrong. What you are looking for does not exist in one card. I use one card to accumulate points, another for foreign travel (with no exchange loading) and another car rental (provides car rental insurance as a perk). The rental insurance I save offsets either the exchange loading it charges if outside Canada or the points cash value from using my PC card.

2 Replies |Back to top

Sign in to comment.

Advertisement