Posts by Barry Choi
The Best Airport Lounge Access Credit Cards in Canada
Airport lounges provide a quiet escape from the hustle and bustle of busy terminals, featuring comfortable seating, and complimentary food and beverages before your flight. While these premium spaces were once available exclusively to business class travellers or those with elite airline status, credit cards have made lounge access available to all travellers. Several Canadian…
Read MoreThe Best Metal Credit Cards in Canada for 2026
Just a few years ago, it was difficult to get a metal credit card in Canada. American Express was the only provider that offered one, and it was only available to their Platinum cardholders. However, in recent years, more metal credit cards have become available. That doesn’t mean having a metal credit card in Canada…
Read MoreWhat is the Minimum Payment on Credit Cards in Canada
If you look at your credit card statement, you’ll notice that there’s a minimum payment required each month. While paying just the minimum may be tempting, paying off your debt may take years while incurring significant interest charges. While you should always strive to pay the entire balance each month, it’s also important to understand…
Read MoreWhat’s the Right Number of Credit Cards
Many people ask me what the right number of credit cards to have is, but there is no universal perfect number. The ideal number varies based on individual financial situations, spending habits, and financial/travel goals. While some may prefer one or two cards, others may benefit from several cards for various purposes, such as earning…
Read MoreAeroplan Family Sharing Explained
Aeroplan Family Sharing is a feature available to Aeroplan members since 2021. The idea is that instead of earning and redeeming points individually, you can do so with family members under the Aeroplan program. The advantage of this perk is that you’ll be able to use points accumulated as a group much quicker. How Aeroplan family…
Read More6 Lesser Known Aeroplan Tips to Maximize Your Travel Rewards
Aeroplan, Air Canada’s loyalty program, is one of my favourites because it offers me value and unique ways to save money on travel. Recently, I booked my family on a quick trip to Vancouver, and I found a great deal on flights when using my points. While frequent flyers are familiar with basic redemption strategies,…
Read MoreDoes Applying for Credit Cards Hurt Your Credit Score
When used responsibly, credit cards can enhance your credit score over time. Responsible usage includes paying off your balance on time, keeping your credit utilization low, and maintaining a healthy mix of credit types. However, many people wonder if applying for a credit card hurts your credit score. While it’s true that a new application…
Read MoreAmerican Express Aeroplan Reserve Card Review | Get up to 85,000 points
In my American Express Aeroplan Reserve Card Review, I’m going to go over all the details about why this card has quickly become one of the best travel credit cards in Canada. Not only does this card typically come with a generous welcome bonus, but the included benefits will make you feel like a VIP whenever you…
Read MoreAmerican Express Cobalt Review
The American Express Cobalt is the best credit card in Canada if you want to earn points quickly. Simply put, it has some of the highest earning rates for multiple categories. Combine that with the fact that American Express Membership Rewards is the most flexible rewards program, and you’ve got the perfect combination. While it’s…
Read MoreAmerican Express Gold Rewards Card Review | Get up to 70,000 points
I’ve got you covered if you’re looking for an American Express Gold Rewards Card review. Although the card now has a higher annual fee than similar cards, the benefits you get are arguably better. Oddly enough, some would argue that what sets this card apart is that it’s a metal credit card and comes in…
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