There are dozens of frequent flyer programs available, but few provide as much value on a points-to-dollar basis than British Airways Avios points. Today’s Sunday Reader Question is: How do you best use British Airways Avios in Canada and the United States? Are they good?
Starwood Preferred Guest ("SPG") points are extremely valuable. They transfer 1:1 to a number of airline partners, which provides extreme flexibility, and if you transfer 20,000 points at a time, you get a 5,000 point bonus, which means an effective 1:1.25 transfer rate. Further, SPG points can be used at thousands of Starwood properties, which includes some great budget options at 2,000 points per night, and some extremely luxurious properties that would be otherwise unaffordable. Further, if you redeem four nights on points, the fifth night is free. All in all, SPG points are one of the most valuable points options out there.
There are so many credit cards out there, but students without income can only qualify for a few of them. What is the best student credit card?
Though Canadian credit card offers are great, they’re not as great as American offers. They often have 100,000 point sign up bonuses (sometimes even 150,000!), something that just doesn’t happen in Canada.
Everytime you apply for a credit product, like a credit card, the creditor will submit a “hard” check onto your credit bureau. In Canada, we use Equifax and Transunion. Sometimes creditors will only pull from one of the bureaus, or sometimes both.
