Your strategy
Travel Enthusiast
3 cards that maximize travel rewards while keeping the portfolio versatile.
- Travel
- Hotels
- Everyday purchases
- + more
The displayed strategy and best picks match the active selections.
Reference strategies
Find the strategy that fits you
Choose a profile to see the strategy, its value, and how to use each card at a glance.
Your recommended cards
Marriott Bonvoy American Express Card
American Express Canada
- Everyday purchases
- Hotels
$12,000/year assigned to this card
Welcome offer included
View card
BMO Ascend World Elite Mastercard
BMO
- Pre-authorized payments
- Travel
$12,000/year assigned to this card
View card
RBC ION+ Visa
RBC
- Transportation
- Gas / charging
- Groceries
- Restaurants
$12,000/year assigned to this card
View cardHow to use it
How to use this strategy
Spending breakdown for the reference profile and the recommended card for each category.
$36,000per year
- Travel $9,600 BMO Ascend World Elite
- Hotels $7,200 Marriott Bonvoy American Express
- Everyday purchases $4,800 Marriott Bonvoy American Express
- Transportation $3,600 RBC ION+
- Groceries $3,600 RBC ION+
- Restaurants $3,600 RBC ION+
- Pre-authorized payments $2,400 BMO Ascend World Elite
- Gas / charging $1,200 RBC ION+
Breakdown across cards
- Marriott Bonvoy American Express 33 % $12,000 / year
- BMO Ascend World Elite 33 % $12,000 / year
- RBC ION+ 33 % $12,000 / year
These amounts make up this scenario’s reference profile. Adapt them to receive a personalized strategy.
Adapt to my spendingIs a more advanced strategy worth it?
1 card (solo)
RBC ION+ Visa
$552 Annual net value$48 in annual fees
3 cards — Recommended
$318 in annual fees
+$220.44
more net value per year
View calculation details Understand net value, fees, and each card’s contribution.
Calculation transparency
How this strategy’s value is built
The breakdown shows each card’s contribution. Applicable fees have already been deducted.
- Annual gross value
- $1,090.44
- Annual fees
- $318
- Annual net value
- $772.44
- Recurring net value
- $772.44
- Eligible offers
- $666.64
- First-year value
- $1,439.08
2-year total$2,461.51
3-year total$3,233.95
The first year includes offers earned during the first 12 months; subsequent years use recurring value.
Portfolio breakdown
Each card’s contribution
Each expense is assigned once to the card responsible for it.
Marriott Bonvoy American Express Card
Complementary card for general spending, hotels.
$12,000 in assigned spending
- Everyday purchases
- Hotels
- Annual net contribution
- $242.44
- Offer — first 12 months
- $666.64
- First-year contribution
- $909.08
- Annual fee
- $120
BMO Ascend World Elite Mastercard
Visa or Mastercard backup for merchants that do not accept American Express, including recurring payments, travel.
$12,000 in assigned spending
- Pre-authorized payments
- Travel
- Annual net contribution
- $218
- Offer — first 12 months
- No quantified eligible welcome offer.
- First-year contribution
- $218
- Annual fee
- $150
RBC ION+ Visa
Visa or Mastercard backup for merchants that do not accept American Express, including alternative transportation, gas, groceries, dining.
$12,000 in assigned spending
- Transportation
- Gas / charging
- Groceries
- Restaurants
- Annual net contribution
- $312
- Offer — first 12 months
- No quantified eligible welcome offer.
- First-year contribution
- $312
- Annual fee
- $48
Published scenario
Assumptions used
Strategy assumptions
$36,000/year
Standard
3 cards max.
Priority: Travel points and benefits