Something to note about the TD Visa Infinite is a full annual fee rebate each calendar year (up to $139) when you hold min. $5K in an all-inclusive TD bank account.
@chaucerblake3 ай бұрын
The annual fee is rebated regardless of your account balance 😊5K is just to waive the monthly account fee
@dougpatterson74944 ай бұрын
I love Prince of Travel! An actual Canadian based credit card rewards expert!
@PrinceofTravel4 ай бұрын
Thank you for your support!
@nelsondenby5 ай бұрын
I've started taking your advice about 8 months ago. I have amassed about 200k points and am looking to redeem soon here. One question I have about all of this is what to do after you have achieved the minimum spend and the card is no longer than valuable to you... surely you can't just have 10+ cards where you are paying $100+ a year per card for the annual fees...
@renson73183 ай бұрын
This needs more recognition.
@ToboeKey30929 күн бұрын
Wow u r dum 🤣🤣🤣
@deleonlindsay26896 ай бұрын
Glad to have this great video. Hope we can hear from you more often. The channel has been quite torment.
@davemiller61216 ай бұрын
I was wondering if you could do a video about switching to a Premium Economy or Business class seat if one becomes available on the flight you have booked. Or maybe even switching flights to take advantage of a premium seat offer. What would the change fees be? Or which type of ticket should be booked initially to give maximum flexibility?
@hotsauce00976 ай бұрын
from my experience, changing flight details on the most basic economy aeroplan booking results in a $100ish fee. u can confirm by trying to book a flight rn and looking at the ticket options
@shashankshekhar26116 ай бұрын
buddy, you can become an educator anytime :) , quality content!
@VirtousStoic6 ай бұрын
Can someone call Costco ceo and tell them to cancel their long term agreement with whatever bank they got now I don’t even remember or care. And go back to Amex lol
@photoMorg4 ай бұрын
Don't forget if you are an Air Canada Employee you get 50% off your TD Visa Infinite Aeroplan annual fee every year not sure if that applies to other Aeroplan cards from different banks.
@VirtousStoic6 ай бұрын
@PrinceofTravel best video you ever made ever. Not for me but for friends who don’t understand what I do and prefer their debit cards or no annual fee cards no matter what I say Tysm
@r.t.79254 ай бұрын
Found out that Chexy doesnt have the option of paying rent to landlord set as a payee. Put me on a waithing list.
@milanmsrАй бұрын
Hey Ricky, please add the compare button on the website. Thank you
@extra-servings4 ай бұрын
advance congratulations on your 100k!
@PrinceofTravel4 ай бұрын
Thank you!! :)
@jordantrinh28923 ай бұрын
Hey Ricky, what are your thoughts for churning credit cards with a business! Which ones are the most lucrative in your opinion?
@paulazavala75365 ай бұрын
My biggest expense is at Costco (I have a catering business), I can not find a Travel Mastercard! They are all VISA
@PrinceofTravel5 ай бұрын
On the personal card side, Brim issues the Air France/KLM Flying Blue World Elite Mastercard, and Neo Financial issues the Cathay Pacific World Elite Mastercard.
@BradWillnospace6 ай бұрын
Hey! Love your videos start picking up your advice about six months ago and have already travelled to Istanbul and back business class. Thank you so much! 7:20 you mentioned you have dozens of credit cards in Canada there’s a limit to 4, right?
@hotsauce00976 ай бұрын
there is no limit to how many credit cards u can have
@PrinceofTravel6 ай бұрын
Hi Brad, congrats on the trip to Istanbul. Are you referring to the 4 credit card rule with AMEX? Just to be clear, that is 4 credit cards, which does not include charge cards like the Platinum, Business Platinum, and Business Gold. Outside of AMEX, no such rule exists in Canada.
@BradWillnospace6 ай бұрын
@@PrinceofTravel that must be it!! Thank you for the information :).
@VirtousStoic6 ай бұрын
@@PrinceofTravelbest video you ever made ever. Not for me but for friends who don’t understand what I do and prefer their debit cards or no annual fee cards no matter what I say Tysm
@isao_the_2nd6 ай бұрын
0:05 I wish the credit card industry is just as good compared to the US, if not, even better
@merc7paul6 ай бұрын
You can get US credit cards as a Canadian so actually it's better for us cuz we can play both games
@isao_the_2nd6 ай бұрын
@@merc7paul how's that even possible? 🤔
@tylerg80314 ай бұрын
@@merc7paulI have been trying this for a year now, I have a BMO Harris bank account and 2 credit cards with them and even after a year and an over 800 credit rating I haven’t been successful getting US credit cards other then from a US bank you open a bank account with. You have to register with the IRS to get a tax number and with 4 attempts to do and redo paper work and sent it to the IRS and getting the BMO Harris bank to assist with other card applications and sending the IRS paperwork I still have been refused. I was told the only sure option is to go to a specific banks branch/location (American express, chase, US bank, etc) and apply in person with can take more then one visit to the same branch which if visiting for only a week or two at a time can be very tough to accomplish. I’m taking one more crack at it next fall to see if time past will change an enough to get one.
@jaxonvj4 ай бұрын
As a senior and just starting out with points in the last 18 months I have downsized my Scotia Amex to the non fee card which I have not used since February Is it ok not to use it just keep it? I now have the Gold Amex & my husband has just applied for TD infinite Question is it ok not to use non fee carda
@PrinceofTravel4 ай бұрын
Hi, please join us in our Facebook group for discussions like this where our community all help to chime in their thoughts. Please feel free to join us facebook.pulse.ly/luor7a36fm and post your question there.
@ChasingCharisma4 ай бұрын
Thanks! We plan on using our points for our Summer Thailand and European Christmas market trips to Get Travel Content for our Channel, Chasing Charisma. We will let you know how it goes!!
@PrinceofTravel4 ай бұрын
Sounds good!
@frankstamatakis40805 күн бұрын
Is it worth upgrading a aeroplan card that costs me 150 to 600 a yr? I only fly with aeroplan business 99 percent of the time with points. I generally spend 200-250000 a yr . Thoughts
@PrinceofTravel2 күн бұрын
A $599 Aeroplan card may help you reach elite status faster. Spending $200k would earn you 40 Status Qualifying Segments (SQS)/40,000 Status Qualifying Miles (SQM).
@Batman_9116 ай бұрын
Are you going to proceed with the migration (RBC) ? The only option seems like Scotiabank. What are your thoughts?
@CaptainPopo6 ай бұрын
there are some decent offers from rbc for the migration, it's worth sticking around
@mattobadia6 ай бұрын
Got a great deal on flights with my gold SUB… now what about hotels, scene+? Avion?
@PrinceofTravel6 ай бұрын
The Marriott Bonvoy cards are excellent hotel cards - their annual free night certificate should more than justify the annual fee.
@tootallno6 ай бұрын
Ricky, does the Infinite privilege card gives you access to to Maple Leaf lounge when not flying with AC or other Star Alliance members?
@PrinceofTravel6 ай бұрын
Only AC, Star Alliance, or other non-alliance partner on Aeroplan award
@denysedupuy16324 ай бұрын
Is it a good idea to pay off a big purchase on your Visa before you get your monthly bill ? Thank you and Love Prince of Travel
@PrinceofTravel4 ай бұрын
A big purchase will result in a higher utilizaton ratio, which may decrease your score, albeit just a little anyway. So to prevent that from happening, paying it off before the statement date is a good method.
@milbbq18412 ай бұрын
I like this
@jasonmarcellus3 ай бұрын
Hi I am new to Canada. Does chexy spending go towards meeting the sign up bonuses for Amex cobalt?
@PrinceofTravel3 ай бұрын
Yes they do
@leeyou186 ай бұрын
I use amex cobalt and I usually redeem points for fixed points travel to Asia (100,000 pts). It is always or most likely more beneficial if I 1:1 transfer to Aeropoint and redeem there?
@PrinceofTravel6 ай бұрын
Run the search on Aeroplan (or other partner), and see which is less. Book the cheaper/better option. AMEX points transfers to Aeroplan usually take less than 30 minutes.
@maplehightech3 ай бұрын
I flew on air Canada in march 2024 from Toronto to Rome round trip in business class costing only 120k points per person. The cash price for the ticket is 6000 Canadian dollar each ticket. It is a much better value than 100k points flying to Asia in economy. Fixed points travel is a value trap. It sounds good, but when you punch the number with calculator, the value is awful.
@nancykang62272 ай бұрын
Do you recommend cancelling the cards after a year and then re-sign up the year after to get the welcome bonus again? How badly does this hurt your credit score/age?
@PrinceofTravel2 ай бұрын
We do not endorse cancelling/re-signing up for cards. We want to help you find the perfect card for you to keep for long term. One of which is the Amex Cobalt.
@anacorona62345 ай бұрын
Gracias
@doingitagain3x6 ай бұрын
If I cancel one avion card, and get another do I keep the points from the other?
@PrinceofTravel6 ай бұрын
Yes, points are transferable between your cards and between your Avion Core account. However if you are not currently holding an Avion card you cannot transfer to airline partners.
@spice118776 ай бұрын
Hey Ricky just a question what do you think of using credit card daily and paying off daily any advice?
@LK_EBM6 ай бұрын
What's the point of paying off daily? Just pay it off when it is due.
@seolfor47976 ай бұрын
There is zero advantage to paying it off daily - waste of time and energy
@spice118776 ай бұрын
@@LK_EBM on due date or statement date?
@spice118776 ай бұрын
I'm new to the credit game I don't need it, But just trying to build credit and save money. I thought I might be able to just use it like a debit card pay it off without going over utilization, and 2 days before statement is released I keep a low amount of credit on my account till statement is due and pay it.
@LK_EBM6 ай бұрын
@@spice11877 Doesn't matter. Just set up automatic payments and you're good.
@capitalexotics6 ай бұрын
Didn’t they change policies to only give sign up bonus’ once per lifetime per “level” of card? Also, aeroplan increased the points for business class by 40% over the old system, flew to Italy (Europe 2 for 115k round trip), that same trip is about 180k-250k round trip. Sad!
@PrinceofTravel6 ай бұрын
Yes, Aeroplan has instituted new terms and conditions regarding signup bonuses: princeoftravel.pulse.ly/7cfuqpm0lc While point costs have generally increased under the new program (like everything else in life), your example redemption would have cost close to one thousand dollars in fuel surcharges and fees under the previous program (flying Air Canada). While dynamic pricing can often be high, redemptions to Europe for much less than your quoted amount are still possible (110-140k round trip).
@Daguigoz6 ай бұрын
All these welcome bonuses can only be collected once though…
@tylerg80316 ай бұрын
Amex is once in a lifetime but most other card providers will allow you to get a welcome bonus every 2 to 4 years after cancelled. (Cancel today and two to four years once date you can get that same cards bonus whatever it happens to be). My 2nd got the Scotia passport infinite visa again after having the card cancelled for 31 months , and she just got the bonus . RBC says it’s 48 months after you cancel a card you can get another with the new bonus and BMO was two years but they gave me the airmiles world elite card and the 3000 mile bonus after a year of originally cancelling it (BMO is my bank for daily use so maybe that has something to do with it too but I’m not sure)
@nataleep5 ай бұрын
I've collected with scotia and cibc a couple of times
@Daguigoz5 ай бұрын
@@nataleep yeah.. im sure you did!! But theyve change the rule on feb 5th. You can only can only get it ONCE in your lifetime for each tier of aeroplan cards w/ similar perks of either issuer.
@Daguigoz5 ай бұрын
@@nataleep look for a blog on it on Prince of Travel written on feb 6 2024. Im surprise he isnt making a video about this
@mattsung30476 ай бұрын
So would you cancel once you earn all the welcome bonuses once you get a new card so youre not stick with the fees?
@LK_EBM6 ай бұрын
Yes, that's the plan. I would cancel the card after the first year, if it doesn't bring me value
@nataleep5 ай бұрын
Better to downgrade so your credit doesn't get dinged.
@simonville5 ай бұрын
"Costco with MasterCard"?
@mikeyoung76406 ай бұрын
What if your not eligible for the td visa infinite card because your low income what’s my options
@CaptainPopo6 ай бұрын
this is a pay to win game, you should work on your income first
@tylerg80316 ай бұрын
They also have a lower annual fee aeroplan Card (TD platinum aeroplan card) that’s $90 instead of $139 and has a lower minimum income
@merc7paul6 ай бұрын
If you build trust with the bank and have good credit they don't always check your income requirements
@Jayvardhana6 ай бұрын
What happens when you have already gotten the welcome bonuses for the main credit cards?
@freddytang21286 ай бұрын
Cancel them and apply again next year. Assuming it’s not one of those “once in a lifetime” cards like Amex and apparently aeroplan cards soon
@merc7paul6 ай бұрын
Get into US credit cards
@FirstName-rt9uf6 ай бұрын
* cough AMEX lol...
@rickosrivastava61884 ай бұрын
What if you add Aeroplan Amex to PayPal, for sites that don't accept Amex. i.e Samsung Canada. Will that count towards spend for points with Amex?
@PrinceofTravel4 ай бұрын
If the merchant allows you to pay with paypal, then yes, it would be considered as a proper transaction. hence that will count as spend. By normal I mean it is not treated as cash advance, which in some situation it could be, but not in your cash, so you are fine!
@rickosrivastava61884 ай бұрын
@@PrinceofTravel Thank You so much for clarifying it! Trying to save up the points for my wedding, so didn't want to miss out on the points :)