Points and miles can unlock incredible travel, but only if you use them wisely.
Many beginners make simple mistakes that cost them valuable rewards. This guide will help you avoid the most common mistakes like a pro!
The AWP Newsletter
Fuel your adventures with points
Signup to get expert guidance and the latest Canadian points and miles tips. Learn how easy it is to travel more for nearly free.
The AWP Newsletter
Fuel your adventures with points
Signup to get expert guidance and the latest Canadian points and miles tips. Learn how easy it is to travel more for nearly free.
Missing Minimum Spend
Welcome bonuses deliver the largest number of points. But you must meet the minimum spend in time to earn them.
Missing the deadline means missing the bonus. Always plan card applications around upcoming expenses.
Learn how to best meet your minimum spending without overspending.
Top Offers
Wondering which credit card to get next?
Check some of the best credit card offers in Canada.
Top Offers
Wondering which credit card to get next?
Check some of the best credit card offers in Canada.
Opening Too Many Cards Too Fast
Applying for many cards in a short period can backfire. Pace yourself without missing opportunities.
Too many applications can lower your credit score and make approvals harder.
Learn how credit cards affect your credit score and check your credit score periodically.
Carrying a Balance
Carrying a balance is the fastest way to erase the value of rewards.
Interest charges can cost more than the flights and hotels you redeem for.
Always pay your statement in full and on time. Learn more about using credit cards responsibly in Canada.
Points Beginner’s Guide
From points newbie to booking your first trip.
Learn how easy it is for Canadians to earn points. Choose the best credit cards and programs. Make your first redemption for almost free travel.
Points Beginner’s Guide
From points newbie to booking your first trip.
Learn how easy it is for Canadians to earn points. Choose the best credit cards and programs. Make your first redemption for almost free travel.
Ignoring Loyalty Programs
Not all points are equal. Fixed-value points offer limited rewards
Transferable points, like Amex Membership Rewards ®, are most valuable when moved into travel partners.
Ignoring loyalty programs means missing out on premium flights and high-value hotels.
We transferred Amex MR® points to Aeroplan® for a premium economy flight from Lisbon to Toronto with Air Canada mid-summer.
It was 50,000 Aeroplan® points each. Booking the same flight through the credit card portal would have been 360,000 points.
We flew home in comfort during peak season for a fraction of the points.
Bottom Line
Using credit cards responsibly and avoiding common mistakes makes points and miles far more rewarding.
Have a plan for minimum spend, pace your card applications, and never carry a balance.
Focus on transferable points and loyalty programs to unlock premium travel experiences that fixed rewards cannot match
