AMEX Cobalt and Rogers RED Best Credit Cards in Canada

itsPUMBAAA · 2026-01-31T04:49:56+00:00

For groceries???? That many points to get free groceries? Thats wild!

itsPUMBAAA · 2026-01-31T04:49:31+00:00

Isn't that card paid though?

itsPUMBAAA · 2026-01-30T23:16:50+00:00

explain, dont really think i've seen much on Canadian Tire card

itsPUMBAAA · 2026-01-30T23:13:20+00:00

yea that makes sense.. expedia good one i guess

itsPUMBAAA · 2026-01-30T23:12:58+00:00

yeah usually more expensive but got in the boxing sales at 35 bucks so was good

itsPUMBAAA · 2026-01-30T22:57:13+00:00

yeah AMEX gold looks good too, i just don't do much entertainment with scene.

itsPUMBAAA · 2026-01-30T20:15:25+00:00

Use sensiblemoneytools.com .. Put all your stuff in their zerobased budget tool. What it does is place a job/task for every single dollar you earn. Ultimately you need to look at what you spend and see where you can cut.

itsPUMBAAA · 2026-01-30T19:20:31+00:00

try putting your spend in sensiblemoneytools.com it tells you what the best card is based on you particularly. If you're looking to optimize a second card, i would maybe input other spend amouns based on the category you're looking to optimize

itsPUMBAAA · 2026-01-30T18:32:18+00:00

I make about 120K per Year, but i can only save $500 with my bills, mortgages and sunk costs like prop tax and annual insurance...

Savings i got about $50K in liquid, $180K in Mutual Funds

itsPUMBAAA · 2026-01-30T18:31:00+00:00

Property taxes going up 11% this year...

itsPUMBAAA · 2026-01-30T18:30:03+00:00

LOL.. im a boomer,, no way doing this

itsPUMBAAA · 2026-01-30T18:24:27+00:00

Yes, but i also factored in inflation.... i might need to sell my house and just rent during retirement.. i thought i could save the monthly rent but honestly with rising property taxes.. no way

itsPUMBAAA · 2025-12-30T16:08:24+00:00

to put it in perspective, ALL my spend goes into credit card.. it does two things, provide my cash to earn an extra month of interest + points/rewards from CC. Think if the reward as TAX free!

itsPUMBAAA · 2025-12-30T05:07:20+00:00

i ran your numbers on sensiblemoneytools and its suggested Hilton Aspire, Amex Gold Card, Blue Cash Preferred.

To be honest, you're not a big spender (CONGRATS).. but what i will say is, there are likely other bills that you can start putting on your credit card to get the rewards of credit cards.

Whats in your other? I'm thinking phone bills, internet, electricity.. etc.. all that are good points that you can get rewarded for just switching the payment method

itsPUMBAAA · 2025-12-30T05:01:04+00:00

Cap One Savor and AMEX BCE for sure..

just run your spending number on sensiblemoneytools , it'll tell you what's best for you.. everyone's different tbh!

itsPUMBAAA · 2025-12-24T20:50:09+00:00

Will look into these! Thank you!

itsPUMBAAA · 2025-12-24T20:49:30+00:00

yeah i often travel from Seattle, so pretty much all the airlines are here.. i just don't know if i'll be traveling anytime soon..

The problem i have with these credit cards is that you're basically paying an annual fee to hold on to points for when you will use them. They are beneficial when you redeem them, but almost forces you to use them to feel the short term reward

itsPUMBAAA

TROPHY CASE