Scotiabank Passport Visa Infinite Card – No Foreign Transaction Fees!

By

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April 1, 2018

It’s a beautiful summer evening and you’re out for a nice stroll to your favorite ice cream shop. It’s perfect. You’re watching the sunset and trying to eat your ice cream before it melts into your hand. You couldn’t ask for anything more but you when you get home, you find yourself with 15 mosquito bites.

This is exactly how Foreign Currency Exchange Rates work for 95% of credit cards. While you might not notice it, banks are stinging you for 2.5% every single time you use your card in a foreign country or when you make a purchase online in any currency that isn’t CAD. It’s a hidden cost that most users are not aware of and banks hide this 2.5% in the actual foreign exchange rate so you never actually see the line item cost of the exchange. It’s insidious.

Here’s an example. Today, 100 USD is worth 129.12 CAD. This is supposed to be the rate you pay but instead, the credit card charges you $132.35 CAD ($129.12 * 1.025). That is unless you have a 0% Foreign Exchange (FX) Credit Card.

Before today, Canadians did not have access to a good 0% FX since the departure of the Chase Marriott Visa but thanks to Scotiabank and their new Passport Infinite Visa, we have an almost perfect credit card offering for travelers and those that make online purchases in a foreign currency.

The Rundown

No foreign transaction fees
25,000 Scotia Rewards points worth $250 in travel, after spending $1,000 in the first 3 months
2 points per $1 on groceries, dining, entertainment, transit (a 2% return); 1 point per $1 on everything else (a 1% return)
10,000 points worth $100 in travel, after spending $40,000 a year (an additional 0.25% return)
6 airport lounge passes per year
Comprehensive travel insurance and shopping protection
$139 annual fee, includes one free supplementary card
Minimum income requirement: $60,000 personal, or $100,000 household, or $250,000 in assets

Foreign Transaction Fees

The 0% currency conversion fee on the Scotiabank Passport Infinite Visa is a significant differentiation from the standard 2.5% FX markup we see from almost all other credit cards in Canada.

With a standard credit card, you have been paying a surcharge every time you had a payment in USD, EUR, JPY, etc. and the fees add up fast. The double whammy is when you have a return transaction in the same foreign currency and get hit with another 2.5% charge. With the Scotiabank Passport Infinite Visa, you pay NO FOREIGN EXCHANGE FEES. Only the exchange rate would apply.

So if you spend more than $5,000 CAD a year in foreign currency, you save at least $125 in fees a year with the Scotiabank Passport Infinite Visa versus a standard 2.5% FX credit card. If you are traveling to a foreign country on vacation, you can pretty easily get to that $5,000 spend to make this card worthwhile. Even if you don’t, there are other great benefits that easily offset the cost of the annual fee of this card.

Sign up bonus and Return on Spend

The 25,000 sign-up bonus you receive after $1,000 spend in the first 3 months is worth $250 on travel. If you can spend $250 on travel, it is as good as cash. Assuming points are redeemed for travel, you’re looking at a 2% return on spend for bonus categories and 1% return for everything else.

Seeing a 2% return on groceries, dining, entertainment, transit categories is nothing exciting as there are cards with 3% to 5% returns in those categories already BUT when you’re abroad and there is a 2.5% FX fee on the other cards, their 3% to 5% returns will be diluted to a 0.5% to 2.5% return.

The Scotiabank Passport Infinite Visa will deliver a consistent 2% return in bonus categories even in the foreign currency and will be widely accepted as a Visa credit card.

Scotia Rewards Points

Scotia Rewards points which are a relatively simple currency to understand and maximize. The best redemption option is towards travel, 1,000 points are worth $10 towards travel at a value of $0.01 per point.

You can book your travel and redeem points instantly with the Scotia Rewards Travel Service. You can also book with another travel agency like Expedia or directly with the airline, hotel, etc and be able to redeem your points a few days after those transactions post.

I love to use Scotia Rewards points to cover travel expenses I otherwise would have paid cash for. Expenses like flights on low-cost carriers, train tickets, stays in boutique hotels, and anything I can charge to my hotel room… pay with your Passport Infinite Visa and you can apply those Scotia Reward points!

Airport Lounge Passes

With the Scotiabank Passport Visa Infinite Card, you are eligible for a complimentary Priority Pass membership that comes pre-loaded with 6 airport lounge visits per year. Priority Pass is a third party airport lounge provider and grants their members access to over 1,000 lounges worldwide regardless of the airline or cabin you fly.

Six lounge visits per year will be enough for those that fly two to three times a year. And even for those who have lounge access from elite status or a business class ticket, there will still be occasions where the Priority Pass vouchers will come in handy. You can also use the vouchers for guests traveling with you.

Now if you already hold the Priority Pass membership with unlimited entries for you and 1-2 guests, the extra vouchers will still be valuable when you travel in groups of 3 or more for additional complimentary guesting privileges.

Insurance Benefits

We finally have a no foreign transaction fee card that has strong travel insurance. All the insurance benefits are clearly displayed on Scotiabank’s credit card page but I want to highlight the card’s delayed luggage benefit which is a commonly claimed benefit and was recently discussed on PointsNerd.

The delayed luggage benefit covers up to $1,000 for all insured persons on the same trip for the cost of replacing eligible essential items if your checked luggage is not delivered within four (4) hours from your time of arrival at your final destination.

For a credit card with no FX and is under $149 annual fee, coverage up to $1000 if the luggage is not delivered within four hours is phenomenal as most cards have a six-hour criteria that must be met in order to make a claim.

Benefits Breakdown

After mentioning all the perks above, here is a conservative breakdown of the value of benefits.

$250: Sign up bonus
$180: Lounge passes [$30 x 6 vouchers]
$50: Cardholder + free supplementary, both with 0% FX fee, travel & shopping insurance

I also didn’t value the fact that this card is issued by Scotiabank. For a mainstream bank, you can expect a superior level of customer service and always walk to a bank teller if there are any issues. Not to mention the access to digital services like mobile applications and Apple Pay.

A $480 return on benefits in the first year and a $230 return in subsequent years, the Scotiabank Passport Infinite Visa is a no-brainer to add to your credit card portfolio.

As always, we would love for you to sign up for the Scotiabank Passport Visa Infinite Card through our referral link if you find value in the blog. Your support really helps the blog continue to grow and bring you new and original Travel Hacking content.

www.pointsnerd.ca/ScotiabankPassport

Conclusion

Kudos to Scotiabank for introducing a legitimate travel credit card and sparing us from the dreaded foreign transaction charge! Having a card with no FX fee is essential for everyone and the Scotiabank Passport Infinite Visa is the first card that comes with relevant insurance and travel benefits.

With the slim picking of no FX credit cards, you should consider applying for this credit card even without a sign-up bonus. Right now there is a 25,000 sign up bonus, apply today!

Credit Card Insurance Guide – Part 1 – Baggage Delay Claim

By

Aeroman

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March 29, 2018

13

This entry is part 1 of 2 in the series Credit Card Insurance Guide

With many of us using the tips and techniques outlined on PointsNerd, you should know that there are additional and sometimes lucrative benefits that come with paying an annual fee during credit card churn cycles. The benefits I am talking about are in the form of insurance that you have access to when you book travel on premium credit cards.

Many of us have or know of someone that has experienced the dreaded baggage delay when your bags don’t show up at your final destination. While many of us lose it on the airline, I generally grin from ear-to-ear knowing I am well insured when travelling.

Having submitted over 20 legitimate claims for various types of insurance over the years, I want to share with you the upside of delays, cancellations and baggage issues and what making a claim looks like.

Baggage Delay

My last claim for a checked baggage delay was just over a year ago. Generally I find this occurs quite often during tight connections. I often connect through Toronto Pearson Airport and when there is a delay on my incoming flight and I am running for the gate for my connection I often dream about the shopping spree that may await me at my final destination.

For most credit cards in Canada, there is a standard 6 hour rule around baggage delay, meaning if your bags do not show up at your hotel within 6 hours, you have access to coverage listed in the insurance certificate.

The “Golden Contract”

Before I go any further, I have to stress the importance of the “golden contract”. You know that big credit card package you receive in the mail with your new card? Most of us throw away all the paper and just activate the card.

The package, however, holds the golden contract with the insurance certificates that you need to refer to in these types of situations. I will often scan a copy of these certificates on my computer or find an electronic copy online to keep with me.

What to do at the airport

Let’s look at my case in Ottawa. I arrived in the morning with no bags upon arrival. I kindly spoke to the agent at the Air Canada desk who informed me that my bags were in Toronto and they would be on a flight today. I received a tracking ticket, thanked him and took off to my meetings.

Based on my experience I knew I would not be seeing those bags until the evening. The airline may get the bag to the Ottawa airport at some point in the day but they are generally pretty slow at getting it to your hotel. They employ couriers for this. By the time the bag comes in, someone realizes that it arrived, and they call up a courier to book the delivery. The courier then has to arrive at the airport, pick up the bag and drive it across town to my hotel.

What are you entitled to?

So back to my claim that occurred in Ottawa, I was using the TD Aeroplan Infinite Privilege Card for this trip. A reading of the baggage delay insurance certificate notes the following:

In the event of Baggage Delay, (Definition is 6 hours) You will be reimbursed for the cost to replace Essential Items provided those purchases are made before the baggage is returned to the Covered Person but in no event more than ninety-six (96) hours after arriving at the Final Destination.

Often in Insurance Certificates like this, you have to read the conditions under the relevant section and then lookup capitalized terms in the definitions section. I suspect they make this as confusing as possible for the claimant to reduce potential claims. In this case “Essential Items” are defined as follows:

Essential clothing and toiletries that the Covered Person was carrying in the baggage, which the Covered Person must replace during the period of Baggage Delay.

Based on the definitions of the Insurance Certificate, I knew I was entitled to the claim. It is important to note that the terms and conditions are likely different for each card. While I mentioned the six hour rule as pretty standard in Canada, the limits and possible coverage varies. For the premium cards with a higher annual fee (over $300), there is often insurance coverage up to $1,000, as opposed to the cards with a lower annual fee ($120-$200 range) that have coverage up to $500. In my case I had coverage for $1000, as I had a premium, Infinite Privilege level card.

What to do at your destination

To avoid being under dressed for my work meetings, I went to The Bay in downtown Ottawa to grab essential clothing. I picked up a beautiful blazer and dress shirt and asked the service person what would happen if I had to return this later in the day due to my bag situation. The service person said there would be no problem and off I went. Later that day I arrived back at my hotel at around dinner time (over 6 hours later). My bag was just coming in the front door. So what’s next?

What to do at the hotel

The first thing to do when you have a delay is to call the 800 number for the insurer, which is listed in the insurance certificate.

After calling the 800 number the agent took down all the information at Allianz Global Assistance. He asked for several pieces of information that I would need for the claim including,

A copy of the baggage delay info from the airline (tracking ticket)
A letter from the hotel detailing when the bag arrived
Receipts for the “essential clothing”
A copy of your credit card statement showing the full charge of the flight
A copy of the flight booking

I let the agent know that I had to purchase $531.08 worth of clothing. He said he would email me the claim form and indicated that I could submit everything online.

I then went down to the front desk at the Fairmont and kindly asked the agent if they could write up the letter that detailed when the bag arrived. The concierge typed it as we spoke, printed off a letter as shown below and I was ready to put in my claim.

After submitting the claim

With the full cost of $531.08 in the claim, I knew I was ahead on the $249 annual fee I paid for the card. When you factor in the great welcome offer I received in Aeroplan points, I was well ahead of the game. I keep a spreadsheet with the dollar amount of ancillary benefits received from each card and subtract it by the annual fee paid. I have coined this net dollar amount as the Return on Annual Fee (RAF).

Approximately 30 days later I received a cheque in the mail as follows:

Conclusion and Final Tips for Baggage Insurance Claims

I cannot stress enough the importance of carefully reading and understanding the insurance certificate. Most credit cards, do not cover travel booked with points, but some do and you need to make sure to charge all of your booking fees and taxes with the card of choice. I have often run into situations where I know more about the coverage than the agent taking the claim over the phone. When this happens you just need to refer them to the page number that you are reading from in the insurance certificate.

Also, make sure to keep copies of everything you need to submit. With most claims you can send in electronic copies so you will still have originals, but it is important to keep everything.

It is also critically important that you plan ahead for travel. You will want to make sure you are using a card that you are not intending to cancel by the time of your actual travel date or you are no longer insured. It is also interesting to note that the terms are very clear with most cards that insurance claims are eligible on outbound flights only. However, if you are booking an one-way flight (which sometimes occurs using points) you may be entitled to a claim on an inbound flight.

For example, I had a baggage delay claim a few years ago where I flew an inbound flight to Toronto. In this case I also had access to a claim for “essential items”. This turned out to be a great claim, as I was headed to a New Year’s event when I landed. A quick stop at the mall allowed me to show up in a new outfit.

In my next post, I will look into Flight Cancellation and Delay Claims. I will take you through my last Flight Cancellation claim in Toronto due to freezing rain. This claim will detail my experience visiting a premier steakhouse in Toronto as I take you through “an insured person’s, reasonable expenses for meals and accommodation”.

Pro Tip – Get Approved Every Time Churning the Alaska Airlines Mastercard

By

Chao

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March 28, 2018

42

This entry is part 1 of 1 in the series Churning

Being the Most Churnable Card in Canada, I assume most of you have picked up the MBNA Alaska Airlines Mastercard by now. This pro tip is imperative to know in order to guarantee an approval on your next MBNA application. It’s so good, I’ve also created a flow chart at the bottom to map out the steps.

If you have not yet applied for the MBNA Alaska card, here’s a quick rundown on why you need to pick up this card.

25,000 Alaska Airlines Miles – a super valuable points currency
1 annual companion pass – a very flexible voucher that warrants a future post
$39 first year annual fee – $99 annual fee minus $60 GCR rebate
Easy to qualify for – $15,000 minimum annual income requirement
Easy to churn – no cap on the number of times you can receive the sign up bonus, but you cannot hold more than one Alaska card at once
Eligible for product switching and guarantees an approval for the card again – stick around through the post and learn how!

Product Switching

A product switch is when you convert your current credit card into another credit card product within the same bank; usually, the card you choose to switch to must be in the same product group as the card you switch from.

Eg. You can product switch the AMEX Gold Personal to the AMEX Platinum Personal, but not the AMEX SPG because the AMEX SPG is in a different product group.

The bank will not pull your credit score on a product switch but you generally will not receive the sign up bonus for the new card you switch to.

Step 1: Product Switch the MBNA Alaska credit card

Yep that’s right. The MBNA Alaska card now has the option for a product switch!

My data point is from September 2017, I called to cancel my MBNA Alaska card and was offered a product switch to the MBNA Rewards Platinum Plus Mastercard with no annual fee.

This was the first time I had heard of a product switch option from the MBNA Alaska card and I immediately accepted the offer. The MBNA Alaska card is the only card in its product group and is now available to transfer to a different group of cards (MBNA Rewards). I assume this option became available after MBNA integrated with TD’s credit application system sometime last year. And TD allows credit card switching between different product groups.

Product switching was a way better option than cancelling because it allowed me to offload the MBNA Alaska card (so I could be approved for it again) as well as hold onto the credit limit with MBNA. This credit limit will come in handy when I apply for another MBNA card in the future… more on that later.

Step 2: Apply for another MBNA Alaska credit card

Although there isn’t a clear rule on how long you must wait before reapplying for the same card, I would wait a minimum of 90 days after cancelling or product switching.

Earlier this month I applied for the Alaska card again. I received a application pending notice so I called in and requested to be transferred to a Credit Analyst for an immediate decision. After identity verification and a five minute hold, the analyst returned and I was ready for one of the two decisions…

Decision: Card Approved

Great! We can loop back to Step 1 after a few months.

Decision: Card Declined

So for this application, I was declined due to too many credit card inquiries. The reason did somewhat catch me off-guard because I have cooled off on my credit card applications in the past 12 months (relatively…). But here’s when having existing credit with MBNA is key.

Step 3: Move Credit limit (if application declined)

MBNA is amazingly flexible in allowing you to move the credit limits from existing MBNA cards towards a declined application in order to push it through approval. That means you can take a portion of the existing credit limit and up to the entire amount (which would close the existing card) in order to give the new application enough credit to be approved as a credit card.

Knowing the above information, this was how I replied when I received the decline notice.

“Thank you for reviewing my application. Actually I am not seeking new credit. I have existing credit on my MBNA Rewards card and would like to move some credit over in order to open this new card.”

The credit analyst swiftly replied that that was possible and asked how much I would like to move from my existing $5000 credit limit on my MBNA Rewards card. I requested to move $2000 and VOILA! I was approved for another Alaska card and another wholesome sign up bonus.

Flowchart – MBNA Alaska Airlines Product Switch or Cancel

As you can see in the flowchart, by product switching to the MBNA Rewards card you will hold the credit limit to guarantee an approval for another MBNA Alaska card.

Conclusion

Before cancelling a credit card, you should always consider a product switch if the bank allows it. This strategy is vital to perfecting your approval rate for the MBNA Alaska Airlines Mastercard.

Product switch your MBNA Alaska card to the MBNA Rewards card, and hold a credit limit with MBNA to back up a future application. You will be glad you did if your next MBNA application is declined (like mine was) and you need the credit limit to transfer and approve the new card.

Understanding WestJet Rewards – A Comprehensive Guide – Part 2

By

Brian

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March 26, 2018

8

This entry is part 2 of 3 in the series Understanding WestJet Rewards

In Part 1 of the Understanding WestJet Series, I talked about some of the features of WestJet and its reward tiers. What I didn’t go over in detail is how to quickly earn WestJet Dollars (WSD) so that will be the focus of this post.

I think everyone can agree that the credit cards that have category multipliers like the American Express Cobalt or the American Express Gold card are the most lucrative. It really is amazing how quickly you can accumulate points through these multipliers and bonuses. One of the things that most people don’t realize is that WestJet offers these same type of multipliers through their tiers, it just take a bit of work to qualify.

If you’re a business traveler, $6,000 spend to get to Gold status isn’t actually all that hard to achieve and most people that do a decent amount of travel can get to Silver status pretty easily.

WestJet Rewards is unlike other programs that have complicated dual qualifications (I’m looking at your Air Canada) which require you to not only fly a set amount of segments but also spend a set amount of money. WestJet is much simpler to qualify for status as it is only based on the amount you spend with the airline. It’s simple. This will be a theme throughout the program.

WestJet Dollars

I’ll start out by saying that WestJet dollars aren’t exactly sexy but they aren’t designed to be. Earning and redeeming are dead simple and that’s what I love about the program.

WestJet is a relatively “quiet” program amongst Travel Hackers because it suffers from the fact that humans inherently love big numbers and the WestJet Dollars you earn tend to be small in comparison to Aeroplan’s Miles. A flight from Winnipeg to Toronto might get you $3-$5 WSD but Aeroplan might award you 750 Aeroplan Miles. This is purely a psychological trick and you will, hopefully, soon come to see that with Aeroplan, it’s all smoke and mirrors.

I’m also of the strong belief that the WestJet Rewards Program is much more lucrative than Aeroplan.

Earning

WestJet Dollars (WSD) are earned based on the base fare of your ticket and your tier status. I’ll give you an example of a booking that I am looking at doing in April.

To go from Winnipeg to Halifax, it would cost me $656.80 in the Econo Fare. Unfortunately, you do not earn WSD on the taxes you pay but that’s standard for every program. You do, however, earn on the full base fare and the “Other ATC” that WestJet charges. I found out that the “Other ATC” charges is actually Fuel Surcharge (YQ), which is disappointing but at least you earn WSD on it.

In this example, here’s what you would earn based on your status level:

Teal (1% of base fare): 5 WSD
Silver (3% of base fare): 16 WSD
Gold: (5% of base fare): 27 WSD

The reason these numbers look a bit off is that WestJet rounds the amount of WSD you earn to the nearest dollar. For example, as a Gold Member, I would earn 27 WSD ($547 * 0.05). These are pretty great earn levels and this is the lowest economy fare available. I’ll give you another example for the same flight but I’ll choose the cheapest Plus Fare I can find.

If you were to book a Plus Fare, you would earn even more WSD. I understand that many people wouldn’t do this but if you are a business traveler like I am, sometimes you can swing these kinds of perks. In the event you are able to get work to pay for the flight or if you happen to treat yourself, you will earn WSD at an accelerated pace:

Teal (1% of base fare): 11 WSD
Silver (3% of base fare): 32 WSD
Gold (5% of base fare): 53 WSD

Now get ready to have your mind blown!

If you have the RBC WestJet World Elite MasterCard and you put your WestJet flight charges on the card, you earn an additional 2%! That means that as a non-statused member (Teal), you would earn at what a normal Silver Member earns at (3%). If you are Silver, you earn like a Gold (5%) and if you are Gold, you earn at a whopping 7%!

I’ll have a full review of the credit card in a later post but that’s really one of the killer features of the credit card.

Let’s look at that first Econo Fare example again.

If you have the RBC WestJet credit card, you would earn as follows:

Teal (1% + 2% = 3%): 16 WSD
Silver (3% + 2% = 5%): 27 WSD
Gold (5% + 2% = 7%): 38 WSD

Redeeming WSD

To me, this is where WestJet Rewards is absolutely brilliant. I know that Jayce had previously written some excellent guides on how to find award availability and while the guide is great and prescriptive, I think you’ll agree that it’s crazy complicated. Sure it’s rewarding once you know what you are doing but even experts in finding award availability are at the complete mercy of what airlines make available.

WestJet, on the other hand, makes every seat available. You don’t need a guide or an award service to help you find your flights. You find your flights by looking for your flight on WestJet and then applying your WSD against your base fare. ANY SEAT. ANY FLIGHT. NO BLACKOUTS. NO RESTRICTIONS.

I want to hammer this point home because it’s important. With WestJet Rewards and WestJet Dollars, gone are the days of worrying about whether you can find award availability. There is no more “I guess I’ll just pay cash for this ticket because there is no award availability”. IF THERE IS A SEAT AVAILABLE YOU CAN REDEEM YOUR WESTJET DOLLARS FOR IT.

This is a HUGE benefit and it shouldn’t be overlooked.

I would give you a step-by-step but quite honestly, it’s an incredibly simple process.

Search for your flights on www.westjet.com
Choose your flights
Apply your WestJet Dollars at checkout

The only limitation is that you must have 15 WSD to apply per direction. I’m not sure why that limitation is there but I would guess it has to do with the work required to administer the redemption. I’ve been a WestJet Rewards Member for a while and have noticed that they reduced the minimum significantly as it used to be 50 WSD (25 WSD per direction).

An additional benefit is that you can use your WSD towards WestJet Vacation packages as well. You often see great specials from WestJet Vacations where you can earn additional WSD by booking a package.

As Travel Hackers, this is our ultimate goal. Redeem a rewards currency and get more back!

Why I Like WSD More Than Aeroplan

There are many reasons why I prefer WestJet Rewards over Aeroplan. These reasons include:

Redemptions of WSD on ANY AVAILABLE SEAT – With Aeroplan, there’s no guarantee that you can find award availability.
Partial redemptions of WSD is possible (anything over 15 WSD per direction) – With Aeroplan, you need to have 100% of the points required for redemption.
Ability to stack your status earning with the WestJet MasterCard to earn between 3 – 7%, depending on your status tier. While Aeroplan has stacking, WestJet is more lucrative.
Redemption of WSD is as simple as applying your WSD at the payment screen – Aeroplan redemptions require a TON of research, understanding things like MPM, YQ, and other obscure rules.
WSD offers 100% transparency – Aeroplan not so much.
Have a family of 4+ and want to be on the same flight? With WSD you can do that. Good luck trying to do that with Aeroplan

Ultimately, I would rather spend my free time with my family rather than dealing with the frustration of award redemptions in programs like Aeroplan.

Think about this.

How many redemptions of WSD cross the desk of paid award bookers? I would assume none because anyone can understand and redeem WSD. Now think about how many bookings these award bookers do with Aeroplan.

Programs like Aeroplan are the reason that award bookers exist. The program is incredibly convoluted, rules-laden, and non-user-friendly.

With WestJet, what you see is what you get.

Conclusion

WestJet Dollars can be incredibly lucrative even if you aren’t a status member, as long as you hold the WestJet MasterCard. If you have status and have the credit card, the world is your oyster.

Speaking about making the world your oyster, WestJet will soon be taking delivery of their 787s and with that, new routes around the world with WestJet will open. This means that in the very near future, you can use your WSD to travel internationally on WestJet.

While this is speculation, I would guess that you will be able to redeem your WSD on WestJet’s new Business Class. Nobody has seen it yet, but Rossen Dimitrov was brought back to WestJet to lead the development of the new Business Class product. Rossen’s claim to fame? He led the development of Qatar’s world-class Q Suite. I don’t know about you but I’m incredibly excited about this!

With Aeroplan dying a slow death and with the inevitable run on Aeroplan awards by those trying to get out, I can think of no better time to switch your loyalty program to WestJet Rewards. I currently have 400,000+ Aeroplan Miles and I am nervous about finding award availability to burn them on and we’re still 2 years away from the program ending. I’m guessing I’m not the only one.

Do yourself a favour and jump on the WestJet wagon. The future is incredibly bright!