I'll also add that 1 journie point = 1 aeroplan point. Once you get 300 points, it gets added to your aeroplan balance

you could also buy petro and shell cards at the groceries and get 5 points per dollar instead of 3 with your cobalt

@retchet78

Ай бұрын

Which grocery store sells Petro Canada cards?

@schenier

Ай бұрын

@@retchet78 IGA

@x-cb2el

Ай бұрын

@@retchet78 metro

@llLucienXi

Ай бұрын

Longo's, metro, food basics in ontario

@stephenn88

Ай бұрын

Too much work

Costco is typically 7% cheaper than any other pump in my area. Combined with 3% cash back from Roger WE, seems like a no-brainer.

@stephenn88

Ай бұрын

Time is money and the most valuable

You can get triangle rewards at petro Canada

I did the Rbc Avion card with ion+ and do the transfer thing for a few years and when you start paying annual fees $120 for Avion and $48 for ion+ the saving diminishes down to a way lower value then in order to actually see good value you start spending more on more expensive flights (travel options whatever you like) in order to see the value. That’s more than the average person needs to do. A $30 CAA bike program to get .3$ per litre off then either armies card for extra .2 to .7$ off depends on gas type or Marriott business at 3% points on gas or Scotia rewards program has better deals then Avion with shorter duration and less work.

You're missing a huge one tbh. Airmiles with the shell app + CAA combined gets me over 10c/l discount per fill plus about 20$ in airmiles points per month. That's 240$ in airmiles points + 10c a liter discount for every fill. I cant see anything even coming close.

@uhmerrykan

Ай бұрын

Can you do that by paying with the Amex Cobalt credit card?

@Prediculous

Ай бұрын

@uhmerrykan nope. Must use an airmiles card linked with shell. CAA is a bonus (I have one for the whole family and one tow pays for itself)

@uhmerrykan

Ай бұрын

​@Prediculous ok. Not that great then. But thanks for sharing.

@enforceOM

Ай бұрын

@@Prediculous You just need to link an Airmiles card but you can still pay with any other card

@Prediculous

Ай бұрын

@@enforceOM you could I suppose. But you wouldn't get the airmiles bonus at month end. I get another $10-20 at the end of the month strictly from gas purchases.

My nearest COOP gas station is 5x on everything you purchase from the store including lottery and gas when using the AMEX Cobalt. Combined with their COOP membership card rebate per year. It’s a crazy combo. I hope their store coding doesn’t change.

@brianmorales

Ай бұрын

It’s coded as grocery??!

@EPICWILDETAILING

Ай бұрын

@@brianmorales lol yeah!🤫

Paying inside at many gas stations count as food so you get 5x points with the AMEX Cobalt card

@riddz5425

Ай бұрын

I just got my cobalt card recently. However, couple days ago did a prepaid gas purchase inside a Circle K store which has Esso gas station attached. My transaction is only coded as Imperial Oil. Which will only earn 2 points instead of 5x. So am I doing something wrong?

@jageshkano

Ай бұрын

@@riddz5425 Not all gas stations have it. If you google "AMEX Cobalt confirmed multiplers", you will be able to see which gas stations have a 5x rate.

Why didnt you mention amex Biz Edge instead which gets 3x MR on gas.

@Kreighzey

Ай бұрын

They’re looking for referrals to the cobalt, i doubt they have this card

@PrinceofTravel

Ай бұрын

Excellent point. The video is mainly consumer-focused, so business cards were not included.

Good to think about points while filling up your tank, but gotta keep in mind to get gas from Top Tier stations...

As an existing CIBC customer, using that divident platinum has been great. Plus, if you have 5k in a chequing account with them or 100k invested, they’ll waive the annual fee on the card. I’m able to use that card on food where places don’t accept cobalt. Underrated card for sure

@brettbr815

Ай бұрын

5k in bank account is always moot because you can make the annual fee back on interest with the 5k in something else

@arnoldvosloo220

Ай бұрын

@@brettbr815 Yep, that's where they get you. They make you think you're getting a good deal (no annual fee for visa and no monthly fee for chequing acct) but you're missing out on 200-300 bucks that you would have made if you put that 6k (it's up from 5k) in a HISA. Quite the high effective annual fee if you ask me for only 3% back on gas and groceries, especially when there are free cards that can get you at least 2%. Plus, you're bound to fall under the 6k threshold at least once or twice a year by accident and you'll get dinged 30 bucks plus tax each time that happens. There goes your whole "advantage" with this card.

@77Redwood

27 күн бұрын

@@brettbr815 Having no emergency fund is worse financial advice than missing out on interest. Do you not have an emergency fund?

Pioneer gas stations takes aeroplan. Quite surprised you guys didnt get that in the video.

Please make the matching business credit card focused videos too!

So, not even a mention of the Canadian Tire MasterCard that gets amazing value at the pump ⛽? Or the PC financial MasterCard? These are free no annual fee cards that offer great value.

@Dundeee

Ай бұрын

It's pretty clear(and a shady thing that they're doing) they're only showing off cards that they get a referral bonus from. Canadian Tire MC and the weekly "Fill up 25 L and get $ in CT Money" is an amazing way to get a high cashback for gas. They also didn't even mention the fact that you can link your Triangle rewards to your Petro Canada account and earn points for both of them at the same time. They also don't mention you can link your non-RBC credit card to Avion Rewards and earn you can earn Avion Rewards at Petro Canada. It's also weird how they didn't really go into mentioning that Jourine Rewards are 1:1 for Aeroplan points so you're getting a minimum of $3 back for every 300 litres of gas and you get free snacks and Air Canada Travel Vouchers when you hit 75 pts and 150 pts before you reach 300 pts and get 300 Aeroplan points.

@dor1994

Ай бұрын

@@Dundeee that makes sense, definitely gotta take everything you watch with a grain of salt!

We get gas at Costco when we can, otherwise we end up at Mobil for the PC points.

Or use an RBC Ion+ or Amex Cobalt to buy a bus pass. The gas savings will likely dwarf the points value from buying gas

So what's a better bang for your buck cash back or air rewards?

@PrinceofTravel

2 күн бұрын

Airline and hotel programs can offer outsized rewards relative to cashback. However, there is a learning curve to maximizing value with airline and hotel programs. Cashback and fixed value points programs can be rewarding as well. Anything is better than using cash, debit, or a no rewards card!

BMO gives me 7 cents off a litre at Shell. You forgot to mention that.

@PrinceofTravel

Ай бұрын

…on premium fuel - an excellent strategy if your car requires premium. This also stacks with 3 cents per litre savings for CAA members.