I recently switched credit cards. I had been running the BMO AIR MILES World Elite Mastercard for almost 15 years. It worked well for the family and we used the Air Miles for short haul flights in our part of the country. However, we found we wanted some more flexibility with our rewards, similar travel perks, and I had the opportunity to have the fee covered by switching to the Scotiabank Passport Visa Infinite Card.

Essentially it is a very similar card in terms of travel features, but the rewards can be used a variety of ways. In particular I can apply the points like cash towards any purchase on my Visa that is travel related. So essentially I could always find the cheapest flight online though a travel booking site or airline itself, book with my VISA, and then I just transfer over the points to pay for it.

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