Why Your Credit Card Strategy Matters in 2025
In 2025, travel is no longer just about booking flights and hotels—it’s about unlocking value through every transaction. With inflation, rising airfares, and dynamic pricing models (including AI based rewards pricing models), Canadian travelers need smarter ways to stretch their budgets. That’s where a well-structured credit card strategy comes in.
Whether you’re flying for business, heading for a family reunion, or planning a luxury staycation, the right credit card can:
- 💰 Earn you thousands in free travel through sign-up bonuses and accelerated earn rates
- 🛫 Unlock premium experiences like airport lounge access, priority boarding, and hotel upgrades
- 🧾 Provide built-in travel insurance that saves you hundreds in coverage costs
- 🌍 Eliminate foreign transaction fees, especially useful for Indian expats traveling between Canada and South Asia
- 🧠 Give you flexibility to transfer points across programs like Aeroplan, Avios, and Bonvoy
In short: your wallet should be working as hard as your itinerary.
My Top 5 Credit Cards in Canada that maximize your wallet
🥇 1. American Express Cobalt Card
Best for: Everyday spending & flexible travel rewards
Why it shines:
- 5x points on daily items such as groceries, dining, and food delivery
- Flexible transfer on earned rewards to Aeroplan, Marriott Bonvoy, and British Airways Avios
- Monthly fee structure makes it beginner-friendly
Pro tip: Use this card for daily purchases and transfer points to Aeroplan for long-haul redemptions.
🥈 2. Scotiabank Gold American Express
Best for: No foreign transaction fees
Why it shines:
- 5x points on groceries, dining, and entertainment
- No FX fees—perfect for international travel
- Access to Scene+ travel portal
Pro tip: Ideal for Indian expats traveling between Canada and India—save on FX and earn rewards.
🥉 3. RBC Avion Visa Infinite
Best for: Flexible flight redemptions
Why it shines:
- Avion points can be transferred to British Airways Avios
- Strong travel insurance package
- Frequent transfer bonuses
Pro tip: Watch for Avios transfer promos to book business class to Europe or India.
🧳 4. TD Aeroplan Visa Infinite
Best for: Aeroplan loyalists
Why it shines:
- Earn Aeroplan points directly
- Free checked bags on Air Canada
- Strong welcome bonus
Pro tip: Pair with Amex Cobalt for earning flexibility and funnel points into Aeroplan.
🏨 5. Marriott Bonvoy American Express
Best for: Hotel stays
Why it shines:
- Earn Bonvoy points for Marriott stays
- Annual free night certificate
- Elite status boost
Pro tip: Use for hotel-heavy trips or conferences—especially in North America and India.
Strategy Snapshot: How to Use These Cards Together
- Daily spend: Amex Cobalt for groceries and dining
- Flight redemptions: RBC Avion or TD Aeroplan depending on your preferred airline
- Hotel stays: Marriott Bonvoy Amex for elite perks and free nights
- International travel: Scotiabank Gold Amex to avoid FX fees
- Stacking value: Transfer points strategically during bonus windows
Final Thoughts
A travel credit card isn’t just a financial tool—it’s a strategic asset. With the right mix, you can turn everyday purchases into extraordinary experiences. Whether you’re a newcomer to Canada or a seasoned points optimizer, these five cards offer a powerful foundation for your 2025 travel goals.
Want to see how one of Canada’s most popular cards stacks up in real life? Check out my deep dive into the Amex Cobalt Card—where I break down its earning potential, transfer partners, and hidden perks that most users miss.
Next week, we’ll dive into hotel loyalty programs—Marriott Bonvoy vs Hilton Honors—and how to choose the right one for your travel style.
The Points Guru by Ameya 
Leave a comment