Video: The Minimalist Credit Card Portfolio

It’s commonly known that the best way to win big in the credit card game is to take advantage of the dozens of excellent signup bonuses out there, often by applying for the same card over and over again to earn the bonuses repeatedly.

But what if you’d prefer a more minimalistic approach, and would like to maximize your gains and travel potential while only sticking to a simple portfolio of one, two, or three credit cards?

For those of you who’d rather not play the game so aggressively, in this video we’ll discuss the optimal minimalist strategy. What’s the ideal set of one, two, or three Canadian travel rewards credit cards to maximize your return on daily spending with minimal effort?

Without further ado, you can watch the video here:

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  1. JFR

    I wonder why you prefer the Avion VI to to HSBC WE. The hsbc have a better earning rate (1.5%) and the 100$ annual credit offset in part the annual fee. Is it because you are able to extract more value that 1.5% from avion points (1% earning rate).

    1. Ricky YVR

      Exactly – I see inherent value in RBC Avion points as a transferrable currency with frequent transfer bonuses and the ability to cater to a variety of different travel goals, compared to HSBC Rewards’s fixed-value redemptions and weaker transfer partners.

      The HSBC card is still a strong MasterCard option, though, and probably would’ve merited a mention in the video too. I’ll consider doing a future video to shine a light on it.

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