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I'm really disappointed in the redemption rates over the past year. I've only been able to redeem Aeroplan at a 1.2 cent - 1.3 cent rate for most trips to Europe or the US. Even looking 10 months into the end of Feb 2025 the redemption compared to the cash rate is still terrible. A family of 4 trip from Toronto to Lisbon is now 320,000 pnts plus $670 in taxes. We went to Miami in Nov 2022 for 20k/pp now its 26k for the same period. I'm not sure how the redemption rate is set at 2.2 cent

This is such a creative and informative video. Thank you!

I was given a RBC avion infinite in place of my HSBC worldelite but they are not giving 0% exchange fees. I called to ask and was told (after she originally misled me and I brought up the fine print in the welcome letter that mentioned the 2.5%) that there are no perks carried over and that they charge the 2.5, which now has me hunting for a better no exchange rate card and has led me to the scotia option. Why didnt I get the 0% for the avion? Any ideas?

Amex should add the non fx fees to their cards and that would just leave them at the top eternally lol since they either offer great MR points multipliers like the Cobalt or have the lounge and other credits like the platinum. Aside from Amex I think Scotia passport has the best available card for travel because the no fx fee and lounges. The other ones are really not that awesome, mayhe the TD Aeroplan would also be great if it added lounges and non fx.

So…this vid is for bank execs? Are we pretending they care to make the deals benefit churners more? Thanks for your lessons Ricky but ever since this topic has been popularized we can all see that the Canadian cc rewards have dropped in value and now require stupid spending requirements for a measly amount of points

Congrats on 100k Ricky!🎉🎉🎉 Love the more detailed videos you've been uploading like this one 😊 Thank you!

the guys lip is bleeding while creating content lol.

Congrats on 100K Ricky

BMO is a disaster - eclipse sucks

Scene definitely needs transfer partners

I don’t know if this is an older video, but I don’t think the Alaska went to one transfer is gonna happen. More over I think I’d love to see some transparency from Ricky to see how much affiliate points. He actually makes if somebody were to use his link. Transparency is only normal in the world

BMO’s Mastercard with rewards is not very rewarding. We’d use our Aeroplan Visa more but Costco doesn’t take Visa- except online. Airmiles has lost our faith so what Mastercard can we get that gives some sort of reward for our Costco purchases? Ya a Costco Mastercard. 🤷‍♂️

MBNA partnership with Alaska can’t come fast enough! They have been dragging their feet, so I hope it happens.

congrats on 100k subs!

Read from other communities the idea of Ion+ & Avion VI which Ion+ being the everyday spending then transfer the points to Avion VI to redeem. Does this worth analyzing?

Dude slow down……

Does MBNA have rules like 5/6 or 5/12 or something? Applied for the MBNA card and I got rejected after like 2 seconds, as if their system didn’t even need to process my application. Wondering if I’m disqualified based on some criteria I’m not aware of

Amex should remove the forex fee

A lot of wishful thinking in this video that will probably never happen. I agree with you on RBC Avion, I plan on cancelling my card at the end of my cycle.

Is there any indication that Flair and/or Porter will have an affiliated credit card?

I aint paying 150$ a year for the Scotia bank no FX fee cards that are gonna help me for maybe 2-3 weeks of the year and have to spend 6000$ abroad just to break even!! Wealthsimple cash card has no fx fees + you get 1% cashback on everything, it’s a no brainer.

So basically, all the banks please increase your expenses lol. Hope they do it tho! Rbc does have the ION + which wasn't mentioned and the points are worth the same when paired with the avion cards

great videos, wish they were half the length tho

Your lip is bleeding

Talk more slowly bro

1st?

I researched a lot of cards. All are useless for me. The points are ridulous. The highest I would gain back is $145. That is close to the annual cost of the cost which renders it pointless.

Now do how you are only approved if you have an annual income of $80,000 and how many places will not take AMEX.

Great work on your first video. Aside, would PoT prepare a review video for WealthSimple Trade "Generation" account type. There is 10x annual lounge access passes via Dragonpass.

Lol amex isn't even accepted everywhere.

Amex isnt worth it as i see so many places say no amex.

Thanks for this video.

I would disagree with you on the basis that it has an annual fee which is not good as a first credit card.

Welcome TJ!

Nothing new to learn. Just sensational headlines to attract listeners. Cheap skate’s trick.

I don’t even travel that much. Maybe 2-3 times a year but I’ve used those lounges at every airport. I don’t dread the long layovers anymore! I’ve been able to use the dining credit and travel credit plus the Amex offers. All in all, for not travelling that much I’ve gotten way more value than the $799.

This is great but why is bro shouting?

I just finished my first year with an Amex Platinum and will definitely be renewing for the second year. I travel frequently and get the value of the fees from the lounge access alone. The travel insurance as well is excellent and I use the concierge at least once a month. Good card and it will definitely keep a slot in my wallet.

wsg TJ

Sucks losing the 3x on dining but I won't be cancelling my platinum card.

hotel status is overrated, in my opinion. I have never received an upgrade staying in a Marriott (despite gold and booked directly on Marriott).

I have AMEX Platinum and TD VIP. I think they're worth the annual cost. AMEX for lounge access and offers. I plan on using the Food and Travel credit soon. TD for better Aeroplan earnings and Insurance.

You left out another big problem with the Platinum card. The Amex lounges often have a waitlist. Last couple of trips, the lounge had a 30+ minute wait. Considering I only had a 1 hour connection, I only got to use the lounge for a couple of minutes. The priority pass lounge situation was even worse, not only were the lounges too busy, but they were not accepting priority pass customers. As well you can only get the sign up bonus once. So if you had the card some time in the pass, you are done getting the bonus points.

TJ is great! I would like to see more if him in the future! One thing I noticed about TJ, besides him having a wealth of knowledge on the topic, is that he is jaaackeddddd!TJ, please share your shoulders workout routine with us!

Very happy to see other members of the crew make their way in front of the camera! Good job TJ, keep up with the good work!

Not worth it in my humble opinion, you can get lounge access for $40 per person and still not pay $799, there are better cards out there however, the metal card kind of makes you feel special 😆that is where it ends.

Ricky, what I still can’t figure out is if the travel insurance is actually good. Right now I’m spending a few hundred a year at BCAA on their insurance. In the past they’ve covered a hospital stay in Japan over $2000, a new flight after I missed mine due to traffic between Vancouver and Seattle, that was like $1800 and most recently I had to buy some eye glasses and get an exam abroad, paid for to the tune of like $200. So I’m VERY satisfied as a customer. If I knew Amex would do the same, I could save that money and totally offset the annual fee. But I can’t seem to find anyone who can totally vouch for the Amex insurance. Even without the insurance I see it as $399 unlimited lounge access. I have star gold, but as a non-rev traveller priority pass is very valuable. The biggest beef is a lack of lounges at UA hubs. But at $400 that’s less than the PP membership would cost and as long as I use 20 lounge visits in a year I can pretty easily make that a saw off too. Am I trying too hard to justify this card? Maybe. But it’s the only card in my view that even tries to justify its hefty fee. The AC Amex at $599 doesn’t even come close imo.

Amex, i know u follow the prince and his team. Remove foreign currency fees. And either lower the annual fee (which u never will ik) or offer more. The card is overpriced with little new value vs b4 the hike.

As someone who normally would stay at a motel 6 for a vacation in San Diego I think the courtyard hotels are a huge step up without being too snobby…. Those fancier brands are for people driving BMWs and the courtyard is for people driving Altimas

Had it for a year. Not useful after year 1 compared to other options