• Last Updated:
  • Mar 15th, 2018 6:02 am
[OP]
Newbie
May 18, 2016
25 posts
2 upvotes

Flying points?

Just got a new job and will be flying often for it. Any recommendations on what type of cards or option points I can apply for? Anything but air miles which is bs.

Thank you in advance!
4 replies
Sr. Member
Nov 29, 2017
741 posts
493 upvotes
Sl1903 wrote:
Mar 13th, 2018 8:30 am
Just got a new job and will be flying often for it. Any recommendations on what type of cards or option points I can apply for? Anything but air miles which is bs.

Thank you in advance!
Congrats. Does your new employer specify a preferred airline and/or issuing you a company credit card?
[OP]
Newbie
May 18, 2016
25 posts
2 upvotes
Thank you! And no they don't prefer and airline or give me a credit card, it's a small company to when I travel they give me cash to use and if I run out they reimburse whatever I buy on credit card.
Deal Addict
Mar 19, 2005
3206 posts
258 upvotes
Toronto
Sl1903 wrote:
Mar 13th, 2018 12:19 pm
Thank you! And no they don't prefer and airline or give me a credit card, it's a small company to when I travel they give me cash to use and if I run out they reimburse whatever I buy on credit card.
I'd say it depends.

What class are you mostly flying in (Economy/Premium Economy/Business/First)? Is there a limit to the reimbursement (i.e. lowest ticket price possible or full fare)?
Will most of your flights be trans-continental or mostly in North America? Do you have preference for any Oneworld/Star Alliance/Skyteam carrier?
Jr. Member
Jan 31, 2018
197 posts
158 upvotes
Expect to do some legwork yourself. It's a bit much to ask a stranger to spend several hours reviewing current offers and then write a very long post explaining all the in's and out's of a broad subject. First you should do some reading, get your feet wet and narrow the scope of your question.

Usually you maximize miles and ultimately return if you can collect most of your miles on one airline or one carrier group. Hence the questions above trying to find out what constraints you might have - what airline and ticket class that you will be flying most often. Have a look at some credit card review sites e.g. creditcardgenius.ca and the hot deals forum here. And flying specialist forums e.g. flyertalk.com

Credit card offers vary all the time and you may find a specific card that has generous rewards for a specific airline. Or may come out ahead by using a generous travel oriented card that has a good package of returns for airflight, car rental, uber purchases etc. Many cards will throw in travel medical insurance and/or rental car waivers, etc. You have to judge which over all package is likely to benefit you most. And combine that with joining the rewards programs of the airline(s) you use most.

In my opinion you are much, much further ahead using your own card(s) than an employer provided card. You get the points /rewards and build your credit. But this assumes that you are confident in being reimbursed by your employer and that you pay your statement on time.

Some cards to consider, the Amex cobalt card has an expected (rewards) return of almost $800/yr. Pretty decent, but you have to review what it targets and see if it is a good fit for you. Say compared to the hot TD Infinite visa cash back offer in the RFD hot deals forum. They're offering 9% (!) cash back on the first three months of recurring payments. So if you happen to spend $3,500 on gas, groceries and recurring payments that would be a $315 rebate. After three months, the deal goes to 3% on the above and 1% on other purchases. Your flights are probably only going to net 1% but depending on your spending you could still go north of $1,000 rebate annually. Plus your actual airline miles.

I believe that this card also includes (double check this info)
Travel Medical insurance (up to $ 2,000,000)
Delayed and lost baggage insurance (up to $1,000)
Auto Rental collision/loss damage insurance
TD Deluxe Auto Club (roadside assistance)
And some lounge access (can't remember details)

Which might be useful for travel. In any event you should do some reading to gain an overview and then you can ask some more targeted questions.

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