Which Credit Card to Spend On for Summer 2021

11 Comments
  1. Aaron

    Hello all. I am a newbie to all of this and I think I may have screwed up from the get go. I applied for the American express Reserve Aeroplan Card and thought I had read somewhere the $599 annual fee was waived for the first year. Now I cannot find that information anywhere. Did they change their rules and now the fee is taken off immediatley?

    Hopefully not, but if anyone has any information that would be great!

    Thank you.

    Aaron L.

    1. Ricky YVR

      No, the $599 annual fee was not waived for the first year.

      1. Aaron

        Hey Ricky. Thanks! That’s what I thought. It’s ok though I think I should be able to maximize the rewards so it will still be worth it.
        Aaron

  2. Donavan

    I am currently holding the amex cobalt and the aeroplan amex card. My monthly spending is 1000$-1500$ per month. I am able to cover the bonus from cobalt and the 5x offer from the aeroplan core. Should I still go for the aeroplan reserve card ?

  3. Saul

    I would personally replace the TD AP VIP with the Scotiabank Passport VI. $599 is a hefty annual fee for a low-hanging fruit

    1. Josh YVR

      It’s low-hanging fruit in the sense that you can earn 80,000 Aeroplan points for $1,000 spend. There are two types of low-hanging fruit, low fees and low spend – pick the one that you can reach! Scotia Passport is definitely a good offer right now too.

  4. tofu

    Great article Josh – I’m debating about whether or not to go for the AP reserve (already got the MBV and BP this year), P2 just got it and will likely get no status to 25k.

    Would love to hear your thoughts! Should I get it too?

    1. Josh YVR

      If you’ve got spending capacity to spare for the next six months, I’d apply now before these offers end.

  5. Oz

    This article captures the mind of a churner. My churn binder has a calendar with dates marked down and future action items. The personal bonvoy with offers stacked is 2 (base) + 2.5 (5k for $2k spend) + 5 (eats) with grocery just ended. 9.5 bonvoy/$ not too bad until Aug 31.

  6. Mitchell Miller

    Does the TD Aeroplan VIP card allow you to spend your way to increased AP Elite Status, or is it only the Amex version that does this?

    1. Josh YVR

      Yes, you can spend your way to higher status with TD or CIBC Aeroplan VIP.

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