Pro & Elite plans

Points Strategy Report

A comprehensive, personalized credit card strategy — backed by real Canadian earn rates and redemption data.

Sample report — no signup

Preview a Strategy Report

Pick a sample profile to see the kind of personalized output you'd get on Elite.

Executive summary

Anchor daily spend on the Amex Cobalt for 5× on groceries and dining, then funnel MR points into Aeroplan for family redemptions on Air Canada and Star Alliance partners.

Recommended card stack

  • 1

    Amex Cobalt

    5× groceries & dining — fastest MR earn in Canada

  • 2

    TD Aeroplan Visa Infinite

    1.5× on gas, groceries & Air Canada — direct Aeroplan earn

  • 3

    Amex Aeroplan Reserve

    Priority boarding, free first bag for the family, big welcome bonus

Redemption strategy

Target Aeroplan economy and premium economy seats for 4 to Europe or Asia — typical value: 2.5–4¢ per point on Air Canada and partner releases out of YYZ/YVR.

Quick wins

  • Move every grocery and restaurant charge to the Cobalt this week
  • Trigger the TD Aeroplan Visa Infinite welcome bonus before quarter-end
  • Set up MR → Aeroplan 1:1 transfers ahead of your next family trip

The full report includes annual points projections, category-by-category card routing, redemption sweet spots, and a Q&A you can ask about transfer partners and award availability.

What's in your report

📋

Executive Summary

A concise overview of your total points potential and the best strategy for your unique spending pattern.

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Recommended Card Stack

The top 3–4 Canadian credit cards ranked for your spending, with specific earn rates per category.

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Category Optimization

Exactly which card to swipe for groceries, gas, dining, travel, and every other category — and why.

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Annual Points Projection

Estimated points earned across Aeroplan, Amex MR, Scene+, and other programs with dollar values.

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Redemption Strategy

The best ways to redeem — Aeroplan flights, hotel transfers, cash back — with specific route examples.

Quick Wins

Three immediate actions you can take this week to start earning more points right away.

Pro & Elite plans

Available on Pro & Elite

Unlimited Points Strategy Reports and full report history.

Get your personalized strategy

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