Your credit score would likely drop another 10 points if you applied for another credit card, but that would go up again in a few months after you pay your bills on time. Je me fie à cela ou quoi? Elle va vous donner 500$ gratuitement pour un hôtel et des repas si votre vol est retardé de plus de 4 heures (en tant que quelqu’un qui adore les choses gratuites, moi j’espère toujours que mes vols soient retardés). Visa Europe - Leader mondial des solutions de paiement. Mary, The first supplementary card is free, but if you need additional cards, they’re $50 per year each. End result is I receive a fairly good rate of return on my spends that does not have to be dedicated to ‘travel’. Yes, good catch. Shawn on October 29, 2018 at 2:24 AM. Just happened to come across your site. C’est vraiment génial comme petit luxe, surtout quand on voyage beaucoup. Et si je comprends bien pour les assurances c’est tout ce qui concerne mon vol d’avion qui n’est pas assurable. A lot of other card do not have this limitation. Vous aurez une assurance-voyage médicale gratuite de 25 jours, la plus généreuse qui existe (ou 10 jours pour les plus de 65 ans). Bonjour, si j’ai une carte me donnant accès aux lounges d’aéroport, est-ce seulement pour mon accès personnel ou je peux être accompagnée pour quelqu’un qui n’a pas ce genre de carte? 1. I was hesitant to say the amount payable when we arrive at the resort, so I said ” larger resort payment”. “I also like how you’re not forced to use their own booking service.” Reply . CIBC Aventura Visa Infinite Review - Money We Have. I am on https://www.scotiarewards.com/en-CA/Rewards/Reward/PointsForCredit and it calculates that you need 125-150 points for every $1 redeemable as credit. Thier Amex is my first choice. Read my Scotiabank Passport Visa Infinite Card review now. Scotiabank Passport Visa Infinite was one of the first out of the gate. We are now concerned about the lower credit limit most seem to get and the timing for receiving the card and pins. Thanks. You’d still pay a slight spread, but it would be much lower than 2.5%. If you still spend a significant amount at stores where Amex isn’t accepted or you value the lounge access passes, then this card is likely worth it. However, if your spouse is travelling alone, he/she will not be able to use your passes or membership. But some vacations early in 2019 will come up for sure! If both my husband and I go to the lounge, would that be considered 2 passes used? Exemple, ils sobstinent sur qui paye… 3 – You’d have to read the details of the car rental insurance policy and then compare it to Scotiabank’s as well as your own personal car insurance Est ce que je peux me couvrir des quelques jours avant et après pour le retour avec une autre assurance? You can use the lounge passes at any time regardless if you used the card to pay for your flight. For example, if you want your trip cancellation to be valid, you need to charge 75% of your flights and hotels to your card. Your points can be used for any airline since you would book it through Scotiabank’s online portal or by calling into their full-service travel agency The priority pass membership and 6 annual lounge passes are more flexible. But there are annual fees for both (yes first year the latter card the fee is waived after spending a certain amount, but if you have it multiple years, then you will have to pay the annual fees). Merci! Vous achetez donc des vols ou des hôtels avec votre carte et vous appliquez ensuite les points dessus. Clearly, Scotiabank has targeted this as an all-in-one card travel card. C’est une bonne question, mais si vous avez fait la demande aujourd’hui en théorie oui, je vais tenter de vérifier! The card was compromised, and I didn’t really think much of it and called them. So then I ordered the Scotiabank VISA and had it in 5 days – you have to go to a bank to get it. Je voulais avoir la Passeport, simplement pour profiter du 0% de frais de change à l’étranger. That said, Scotia Rewards isn’t the most flexible rewards program. Then we found your site and have seen the poor reviews and bad experiences others have had. I just got this card. That’s correct. Je cherche actuellement une carte non Amex (j’en possède deja deux) avec des bonnes recompenses voyage et que je puisse utiliser pour mes dépenses courantes. This card is an excellent addition if you have the Scotia Amex Platinum. Vous aurez l’assurance contre la perte ou le délai de vos bagages. Any extra fee then ? I personally prefer the Scotiabank card over the CIBC cards, […] most comparable card is the Scotiabank Passport Visa Infinite card since they are similar in look and name. Stupid question, but would the $40000 include both spending from the original card and the supplement card? About CIBC Aventura Visa Infinite Card Main Features. I was just approved for this card. There’s […], I got a pre approval for this card.. does it means its in the mail if i accept it? Il y en a dans la plupart des aéroports majeurs, mais pas partout, vous pouvez voir la liste sur leur site et plus de détails dans notre article: https://blog.flytrippers.com/fr/rabais-pour-des-acces-aux-lounges-daeroport/. One final note, and this is the most important. The Scotiabank Passport Visa Infinite card also offers 6 lounge passes rather than 4. You should get the insurance documents with your card but I think this is the PDF, https://www.scotiabank.com/ca/common/cc/pdf/en/ScotiaGold-Passport-Visa-Eng-Ekit.pdf. I plan on writing about it later. Pour obtenir la prime de bienvenue, vous devez porter 1000$ d’achats à votre carte dans les trois premiers mois (comme c’est presque toujours le cas avec les plus grosses primes de bienvenue), donc assurez-vous de garder quelques plus grosses dépenses ou arrangez-vous avec vos proches pour passer quelques-uns de leurs achats sur votre carte, ça devrait être assez facile à atteindre. This would make for a difference of about 3.3%, if I’m doing all of this correctly – which would definitely make it not worth using the scotiabank card. I know Aventura, Aeroplan costs me 75k points to get to ASIA, but Asia Miles is only 60k points… therefore something like the RBC Avion sounds more attractive in terms of flight point costs…. 4. I’m not sure what you mean by a larger resort payment, but generally speaking, all purchases count towards the $1K. That combined with 1.25% on other transactions + a 29$ annual fee makes the card very attractive. If you want to read more about your other options, check out this post I wrote. However, it’s possible that gas stations at grocery stores don’t fall under the same merchant code. 2. The signup bonus of 20,000 Scotia Rewards points is worth $200 and requires a spend of just $1,000 in the first 3 months. The signup bonus of 25,000 points is worth $250 towards any travel expense, so it already outweighs your $139 outlay. So I would suggest be very careful if you use this card for Car Rental. By doing this, you’ll have plenty of time to get your new card before cancelling your Scotiabank card. Vous suggérez à la place la BMO Rewards, mais j'ai remarqué que la CIBC Aventura Or Visa pourrait être une autre bonne option aussi. But I also love the idea of the amex benefits. Also their travel insurance is very poor compared to these cards or RBC Infojite Privilege. Donc, la demande est en suspens. if that’s the case maybe both my wife and I will get a STEP LOC (free with no balance) and get our own cards (no sup cards.) Thanks again ! I then take those points and transfer them to SPG / Marriott. I personally like the Scotiabank card since it comes with the lounge access. There’s also the Rogers card to consider. I also like how you’re not forced to use their own booking service. It can also differ per location so it’s impossible to give you a definite answer. I used your referral link. Est-ce que j’aurai droit au accès de lounge? Amex is good because you can transfer your points to Aeroplan or Marriott Bonvoy so you can still pool points. Nous apprécions que vous utilisiez ceux-ci, surtout que cela ne vous coûte jamais plus cher, et nous vous remercions de nous encourager et nous permettre de continuer à trouver pour vous d’excellents deals et du contenu intéressant. Bref, une super façon de voyager. There are no restrictions as far as geography is concerned. La clé du travel hacking c’est vraiment d’obtenir 200$ à 300$ complètement gratuitement juste en commandant chaque carte, donc on ne recommande pas les cartes qui ne vous paient même pas un sou pour la commander One pass must be used per person but kids under the age of 2 are usually free. J’ai commandé deux cartes, soit RBC avion et j’ai acheté un vol pour Singapour. That’s their “cashback” option. https://www.mastercard.us/content/dam/mccom/en-us/documents/rules/quick-reference-booklet-merchant-edition.pdf. You can use the electronic membership record in the meantime, but it is only accepted at some locations. Merci de votre expérience! Then our second question is would you advise that we carry through with the Hometrust Visa? It comes with signup authorization for Priority Pass. This is significant since many other travel insurance credit cards out there only offer 15 days of coverage. Le problème est que la carte vous charge le frais mais le compense sous forme de remise qui est supérieure… mais c’est une remise qui ne peut être utilisée que sur des produits et services Rogers ou être appliquée à votre solde, sans aucune prime de bienvenue. Thanks, Doug. Je serai couvert seulement de Singapour- Bali j’imagine? I actually really like this card. Il y a bien quelques autres cartes qui ne chargent pas le 2.5% de frais sur tout à l’étranger, mais elles n’ont pas de prime de bienvenue et vous devriez éviter de gaspiller une demande de carte de crédit pour une carte qui ne vous donne rien gratuitement, c’est la base du travel hacking (d’où le pourquoi on ne recommande jamais de cartes Desjardins, article détaillé à venir)… mais on vous reparle de ces autres options sous peu. If you’re 65 or older, you get 10 days of coverage which is also impressive considering the standard is 4 days. Think about this card if you want flexible rewards and no annual fee. Just wanted to share this info. And our third question is will that larger resort payment count towards our $1000 in the first 3 months for the sign-up bonus? I like to watch shows, and shop, then travel once or twice a year. What does it mean by no blackout dates? The Scotiabank Passport Visa Infinite Card is on my list of the best credit cards with travel insurance since you’re covered for quite a few things. The first showdown of our newly reincarnated series sees two of the most popular premier cards in Canada go head to head! Now if you just want a card with no foreign transaction fees, you may want to check out this post https://www.moneywehave.com/canadian-credit-cards-without-foreign-transaction-fees/, I wouldn’t say a significant amount and I do have lounge access through another Amex, though will close that card before the annual fee is up. I plan to go on a year-long world travel in May of 2019 so wondering if I should wait to get the Visa closer to when I’m leaving vs get it right now (as I have the Scotiabank Gold Amex right now and for the past 2 years). Par exemple, il y a en fait une autre carte qui vous offre ce même avantage, la Rogers Mastercard, qui n’a pas d’autres avantages. Technically speaking the cheapest way would be to use a USD card and pay it in USD. Even worse. The nice thing about RBC Avion is you can transfer them WestJet Dollars or used the Fixed Points Program. It depends on the primary use of the card. The Scotiabank card is excellent if you’re looking to earn rewards and have additional benefits. My Scotiabank Passport Visa Infinite Card review is positive. In out time 65K CAD is not a lot and probably exclude all premium cars, especially if you rent in Europe. Réclamations pour vols retardés ou annulés, Introduction sur l’utilisation des Miles de compagnies aériennes, Combien valent les points de chaque programme, comment avoir l’hôtel et les repas gratuitement si votre vol est retardé, est-ce que les assurances-voyage sont nécessaires, les assurances d’autos de location, une des pires arnaques de voyage, comment débloquer les primes de bienvenue de cartes de crédit, 10 règles à savoir sur les cartes de crédit, les meilleures cartes de crédit au Canada, Cliquez ici pour voir nos aubaines de vols à très bas prix, Cliquez ici pour aller à la page principale du blog, Aloha! This seems to be Scotiabank’s exchange rates. 6. You happily accepted and you just lost all your CLD insurance and they will pay $0 to any damage to a car. If i fill gas in my car at a grocery store like Co-op or Safeway or superstore using this card, would it still qualify for 2x points? 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