Points and Miles: March

I didn't post anything on points and miles for February. The middle month of a quarter generally doesn't have much new happening and I had just returned from Florida and was posting about that. But things are beginning to heat up as we head into spring, so here are some offers you can use if you have a March break coming up.

Aeroplan

• Until April 30, when you link your Costco and Aeroplan numbers, you'll earn 50 bonus Aeroplan miles.
• Earn double Aeroplan miles at Esso stations. Until April 9.

Best Western Rewards: Best Western, Best Western Plus, Best Western Premier.

• Stay three separate times before April 8 and earn a free night plus 1000 Aeroplan miles. Register here.

Club Carlson: Radisson, Country Inns & Suites, Park Inn, Park Plaza.

• Until March 16, earn triple Club Carlson points on every stay, including food and beverage charges.
• Save up to 25% and earn 1500 bonus Club Carlson points per day with this offer from National Car Rental. Until June 15.

Hilton HHonors: Hilton, DoubleTree, Embassy Suites, Hilton Garden Inn, Hampton Inn, Homewood Suites.

• Register to earn a bonus of 1000 points per night or 5000 points per weekend. Valid until March 31.
• Hilton HHonors is unique in that you can set your earning preference to "double-dip": points plus points, or points plus miles in the airline program of your choice. Choose Delta SkyMiles and get 2012 bonus miles with any two-night stay. Choose American Airlines AAdvantage and earn double miles for any stay or US Airways and get triple Dividend Miles. All offers expire March 31.

Priority Club Rewards: Intercontinental, Crowne Plaza, Hotel Indigo, Holiday Inn, Holiday Inn Express, Staybridge Suites, Candlewood Suites.

• See the lists of bonus codes at these sites: Priority Club Insider,Rewards Canada, and flyertalk.
• Get up to 35% off a Hertz rental and earn double Priority Club points with these codes. Valid until June 30.
• Until April 30, earn double points on every qualifying stay, beginning with the second one. See the tip at the bottom of this post for a strategy to maximize this offer.

Starwood Preferred Guest: Sheraton, Four Points, Westin, W, Le Meridien, Aloft, Element, St. Regis.

• Through April 8, register here to earn a bonus of twice the Starpoints for stays of two nights, triple points for stays of three nights and longer.

Tip: If you'll be staying several nights at an IHG property (Holiday Inn, etc.) on your vacation, you'll want to earn the double points for that. So make that first stay a one-nighter. If you're flying, book a "Stay and Park" package at an airport location. If you're driving, make Holiday Inn your choice for an overnight stop on the road south. The same strategy will work with the "Stay three times, get a free night" offer from Best Western, if your third stay is at a Best Western on your return drive north.

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Points and Miles: December

This month sees one insanely lucrative promotion and numerous other offers to kick off the winter holiday season.

To mark the opening of the new Radisson Blu in Chicago, Club Carlson is giving away 50K Club Carlson bonus points to the first 50,000 Club Carlson members to register and complete a stay at a Radisson by December 30. Even after the first 50,000 spots are gone, you can still earn 15,000 bonus points for the stay. What will 50K Club Carlson points get you? There are relatively few Carlson properties available at 9K points per night, but lots at 15K. So, stay once at a Radisson and earn 3-4 free nights at many Radisson or Country Inns and Suites locations. And if you book and stay on points at any Club Carlson hotel by January 31, you'll earn a 9K rebate, essentially staying for free at some properties. It looks like Carlson really wants to become a major player in North America.

With this offer code, enjoy a welcome credit at Hyatt Hotels of up to $150. Good for services such as drinks, meals, or spa treatments. Or, if you're a Costco member, get a 10% rate discount and $25 a day hotel services credit. Book with this code (tip of the hat to Ric, the Loyalty Traveler). And finally, CAA/AAA members enjoy a 10% discount and complimentary breakfast. The offer code is here. All offers are valid until February 29.

Starwood is offering special rates for Ontario and Québec residents for weekend stays before December 31. Here's the offer page. And there are other deals available, depending on the property. You can check them out here.

You could save up to 33% and earn 1,000 bonus Hilton HHonors points with Hilton's December Sale. Details are here.

I've not mentioned A Club, the loyalty program of Accor hotels, a European chain, before. Accor does have several Novotel properties in Canada as well as Sofitel locations in Montréal and in major U.S. cities. With this offer, get the third night free when you pay for two nights, plus earn triple points. And via this page, you can instantly become an A Club Platinum member, which entitles you to a host of elite benefits. If you're planning an Accor hotel stay in the next year, it would be worth the few minutes it takes.

Until December 12, when you convert hotel points to Aeroplan miles, earn a 20-25% bonus. This could be a good deal if you have an immediate need for Aeroplan miles, but as I pointed out in a post a few weeks ago (What's a Point or Mile Worth?), hotel points can be more valuable because, unlike flight redemptions, there are no taxes or fees payable when you redeem for a free room night. You do the math.

I'm sure when you're holiday shopping you're consoling yourself with the thought that, when the credit card bills arrive in January, at least they'll also bring a blizzard of points and miles. OK, maybe I'm the only one. But have you considered not only earning points and miles with your holiday gift-giving, but giving points and miles as gifts?

Petro-Canada is offering 50% more Petro-Points on purchases from its convenience stores. That includes items such as lottery tickets and gift cards. Guys, do your Christmas shopping when you fill up. Offer's good until January 2.

And when you order magazines as a gift, or even for yourself, from Rogers Magazine Service, receive up to 1,000 Aeroplan miles via this offer.

For yourself, or as a gift, you can buy Starwood Preferred Guest Starpoints for 20% off until December 31. Can be a good deal, because sometimes you can get a hotel room for less by paying with points than with cash. Also good for topping up an account to redeem for an award or to keep your account active.

You can also purchase Club Carlson points for yourself or to give for US$7 per 1,000 (plus GST/HST for Canadians).

And a final thought: one of the nicest things you can do with your points and miles is to give them away. While most plans either don't permit, or charge an exorbitant fee for, transferring points or miles to someone else, they do allow you to book rooms and flights for others. And most plans allow you to make a charitable donation from your points or miles account.

Merry Christmas.

Follow me on Twitter: @AeneasLane

Points and Miles: September

This is the first monthly summary of the best travel rewards points and miles offers that come my way. Look for it the first Thursday of each month. Now that the busy summer travel season is winding down, we're starting to see more lucrative offers from the airlines and hotel chains. The sputtering economy is also contributing to this.

Delta Airlines has a code, good through December 31, for up to 2,500 SkyMiles and 40% off a Hertz rental. And, also to December 31, beginning with your second stay, you'll receive thousands of bonus SkyMiles for stays at Marriott hotels. You must set your earnings preference to SkyMiles in your Marriott Rewards account.

Until September 18, you can earn as many as 5,000 bonus miles when you convert points from several hotel programs to Aeroplan. All the details are here. Purchases at Home Hardware earn double Aeroplan miles until September 10. And Air Canada will join the major U.S. carriers in charging $25 for the first checked bag, starting October 11.

The big news on the airline mile front is the annual "Grand Slam" promotion from U.S. Airways. Various activities earn hits. Hits earn Dividend Miles, as many as 110,000, if you earn the maximum 40 hits. Registration is open now. Play begins September 14 and continues until November 14. And until September 15, you can earn a 100% bonus on purchased or gifted Dividend Miles, up to 50,000 miles. This also counts as a "hit" if you do it on September 14 or 15.

Starwood Preferred Guest members can earn double the usual points (triple if the stay includes a Thursday or Sunday night) for stays through December 18 at Sheraton, Westin, and other hotels in the Starwood family. Registration is required via this link. And SPG members save 35% and get a free continental breakfast for city weekend getaways, until December 30.

Until November 3, register to get 4X ChoicePrivileges points for stays at Choice Hotels (Comfort Inn, Quality Inn, EconoLodge, etc.).

Here's a code for 15% off at budget chain Red Roof Inn, valid during September for those over 50.

It can sometimes make sense to purchase hotel points to redeem for a reward. For example, you may be only a few points shy of the number needed, or the room rate may be greater than the cost of the points. Until September 30, receive a 20% bonus when purchasing Hyatt Gold Passport points: 1,200 for US$24.

Points.com is not usually a good deal when swapping points among your programs, but until September 15, some swaps earn a 15% bonus, which softens the blow a little. Even with the poor exchange rates Points.com offers, there are times when it's worthwhile: you may have "orphan" points in a program that could provide some value somewhere else, or a swap into a program could count as activity to extend the life of your points in a program. And a swap into U.S. Airways counts as a "hit" for the Grand Slam promotion.

And finally, I don't think PETRO-POINTS have a lot of value (I buy gas at Esso to get Aeroplan miles), but until October 31, when you buy a coffee and swipe your PETRO-POINTS card, you could win free gas for a year.

You can now follow me on Twitter: @AeneasLane

Points and Miles: Annual Update, Part 1

As promised, here is the first part of an update to last fall's series on collecting travel reward points and miles. I've highlighted changes and provided links to the original posts.

In Points 1: Canada's Favourite Points Programs, I said that, unlike many points experts who advise you to focus on one program, I take the opposite view. All points and miles have potential value, so I believe in signing up for almost any program, focusing on several, and taking a patient, long-term approach. If like me, you want to collect with the goal of travel, you have to be prepared to play the long game.

Start with a credit card, preferably no-fee or that waives the fee for the first year, that gives you a nice sign-up bonus and 1-2 points per dollar of spending. Add additional cards as better opportunities present themselves and cancel cards you no longer need. Keep several different cards, though: that gives you flexibility. Within a year or two, you'll have enough points for a holiday. Within five years, you can build a large enough portfolio of points and miles to pick and choose your vacation opportunities.

The advice I gave in Points 2, about how to earn Aeroplan miles with a no-fee credit card, no longer applies. Shortly afterwards, Bank of Montreal suddenly changed the terms of its Club Sobeys MasterCard, so that Club Sobeys points earned by spending on the card were no longer eligible for conversion to Aeroplan miles. I described the whole sorry fiasco in Points 8: BMO Club Sobeys MasterCard Snafu. There is one revision to that post: I was allowed to autoconvert the enrolment bonus points. But as I said, this is no way to build loyalty: I cancelled the card. Club Sobeys points earned by shopping at Sobeys can still be converted to Aeroplan miles.

There have been some changes to what I wrote in Points 3: Starwood Preferred Guest American Express Card. Sign-up bonuses have gotten bigger and smaller, and waiving of the annual fee for the first year has come and gone. All the other advantages of the Starwood program and the American Express card still pertain, but best check the details if you're thinking of applying.

I did cancel the SPG Amex after the first year, but did not go with the BMO Club Sobeys MasterCard as my main spending card (for the reason I described above). Instead, American Express offered me its new Gold Rewards card. This card has an annual fee of $150, waived for the first year. I received 15K Membership Reward points as an enrolment bonus and earn 2 points per dollar for spending on gas, groceries, drug store, and travel. All other purchases earn 1 point. This is a "hybrid" card: points can be used for travel booked through American Express; redeemed for merchandise; or converted to points with Air Canada, Delta, British Airways, Hilton Hotels, Starwood (Sheraton, Westin, etc.), Priority Club (Holiday Inn, etc.), and other travel partners, at various conversion rates. Since Aeroplan and British Airways have recently devalued their award charts, and Continental is leaving the program with its takeover by United Airlines, the value of Membership Rewards points is decreasing. Unless there are significant enhancements to the value of the card, I won't be paying $150 to renew it next year.

I'll conclude this update in Part 2, next Tuesday.

You can now follow me on Twitter: @AeneasLane

More Spring 2011 Points Offers

Thought you might enjoy a break from all the election news, so here you are:

Until June 30, Hilton Hotels is offering 1,000 bonus Hilton HHonors points with each night's stay. That's in addition to the regular points and airline miles you earn. Hilton's plan is unique in that members "double dip", earning both for each stay. You must register for the promotion here.

If your plans include several nights in hotels over the next few months, Hyatt hotels is offering 10K bonus Hyatt Gold Passport points after you stay five nights, and an additional 5K bonus points for every two nights you stay beyond five. That's on top of the regular earning rate of five points per dollar spent. Free nights begin at 5K points, with most hotels being in the 8K and 12K point categories. So a week at a Hyatt property could get you two or three free nights. You must register here.

Goldpoints Plus is now Club Carlson and it's offering an excellent promotion until June 15: stay twice and earn a free night. This can be an economical way to stay in an expensive city. Two low cost Country Inn and Suites stays can get you that free night at a Radisson. You must be a Club Carlson member and register for the promotion. You have until December 31, 2011 to use your free nights.

Choice Hotels, in conjunction with MBNA Bank Canada, is offering a no-fee MasterCard that lets you earn Choice Privileges points for every dollar you spend on it. There's also an 8K point sign-up bonus. Details and application form are here.

And speaking of credit cards, back in the fall I told you about the Starwood Preferred Guest American Express card. The card is still available with a 10K point sign-up bonus, but unlike last year, American Express is no longer waiving the annual fee of $120 for the first year (or for renewals).

So, as intended, I cancelled my SPG Amex card (I keep all my Starwood points). But when I called American Express, they offered me their new Gold Rewards card with 15K points as a sign-up bonus and no annual fee for the first year. So I accepted that offer. I earn one point per dollar spent on the card, two for spending on travel, gas, grocery, and drug store purchases. Amex Membership Reward points can be applied directly to your Amex bill for travel related spending, or converted to points with several hotel and airline partners (for example, one to one to Aeroplan). I'll keep you posted on what I see is the best way to "earn and burn" these points.

To conclude, Niagara Spring Flings is offering Ontario and New York residents a chance to win a getaway in the Niagara peninsula. There's also a downloadable "Perks Card" offering such things as free wine tastings (yum!). Check it out here.

Have a Happy Easter.

Spring 2011 Travel and Points Offers

Lately there has been a raft of offers as the spring travel season approaches. Here are some of them.

Until December 31, you'll earn 100 bonus Aeroplan miles when you join Park 'n Fly Rewards. You'll also earn 50% more Aeroplan miles each time you use Park 'n Fly.

Most airline miles expire unless you have activity in the account every 12-24 months. Delta Airlines recently announced that it has eliminated mileage expiration. Good news for the casual traveler. And remember, you can earn up to 2,000 Delta miles for a three-night stay at most Hilton hotels until March 31. All the details are in my January 6 post.

And while I don't usually recommend exchanging miles using Points.com because of the steep commission they extract, it can be worthwhile, if for example you need to keep points in a program alive, need only a few points to reach an award level, or have points in an "orphan" program. Until March 31, exchanges for Delta SkyMiles get you 50% bonus miles, which makes the pain a little less. Some of the programs you can exchange with are Esso Extra, Hbc Rewards, and Priority Club.

You do intend to participate in Earth Hour don't you? This year, it's between 8:30-9:30 p.m. on Saturday, March 26. And you won't just turn off your lights, right? You'll put on a sweater (better yet, snuggle with a friend) and turn down the thermostat a degree or two? To reward you for your virtuous behaviour, Starwood Preferred Guest will give you 100 Starpoints.

Country inns and Suites by Carlson has a Spring Getaway offer good until April 30 at participating hotels in Canada and the U.S. Stay two or more nights and receive a certificate code provided via email post-stay to redeem online for a US$30 Amazon Gift Card* or a C$30 Amazon.ca gift certificate, a T.G.I. Friday's offer (US hotels only), and 3,000 bonus Gold Points.

Choice Hotels' offer to triple your points after the second stay continues until April 13. Find the details here.

Best Western has been on the move lately. Though the world’s largest hotel chain, it lacked a clear image in many travelers’ minds because, unlike all other major chains, there was no way to differentiate among different quality levels of its properties. That’s all changed. Best Western has now rebranded itself into three quality tiers: Best Western, Best Western Plus, and Best Western Premier.

Not a member of Best Western Rewards? Join by April 11 via this link and get 250 American Airline AAdvantage miles when you set your earnings preference to AA. Then earn up to 1,000 AA AAdvantage miles per stay. There’s a similar offer for Aeroplan members here. Or, register and stay three times by April 11 at any Best Western in Canada or the U.S. and earn a free night with this offer.

You can also earn Best Western Rewards with a no annual fee MasterCard from MBNA. You may need to quote the code CJ4A to get a 20,000 sign up bonus. You can apply here.

And finally, need a way to keep track of all your points and loyalty programs in one place? I use Award Wallet. The basic service is free, and it securely tracks all your program balances and will even warn you about point expiry for the first three programs. For a small fee, it will monitor the expiration dates of all your programs. It even creates a trip itinerary for you by linking the numbers of your airline, hotel, and car rental loyalty programs. Very neat.

Happy trails.

Winter 2011 Points and Miles Offers

If you've been thinking about a weekend winter getaway, most of the hotel chains have recently announced their first quarter promotions.

Hilton HHonors is offering double the usual 10 points per $1 spent on a two-night stay, triple on a three-night, and quadruple for a four-night. The offer is good for stays up until March 31. Registration is required via this link.

Hilton HHonors is unique among hotel loyalty programs in that it features "double-dipping". With HHonors, you always earn both HHonors points as well as miles in the airline program of your choice. And Delta SkyMiles is simultaneously offering 1,000 SkyMiles for a one-night stay, 1,500 for a two-night, and 2,000 for a three-night. Separate registration is required for this offer via this link.

So for a two night stay at a Hilton property (Hilton, DoubleTree, Embassy Suites) costing $125 per night, you would earn 5,000 HHonors points and 1,500 Delta SkyMiles. Fewer points are offered for stays at Hampton Inn and Homewood Suites.

Membership in both the HHonors and SkyMiles programs are required, of course, but enrollment is fast and simple. You can join HHonors from either of the links above while registering for the offers. Here's a link to join SkyMiles.

Starwood Hotels (Sheraton, Westin, etc.) have an offer for Starwood Preferred Guest members. Until April 15, all stays earn double SPG points. That means 4 points per $1 spent. Thursday, Friday, Saturday, and Sunday nights earn an additional 500 bonus points per night.

A two weekend-night stay at $125 per night earns 1,000 base points plus 1,000 bonus points. Free nights at Starwood hotels begin at 2,000 points, though most are in the 4,000-10,000 points per night range. Join Starwood Preferred Guest via this link.

Country Inns and Suites by Carlson does not have a lot of properties in Canada but is more widespread in the U.S. and offers free breakfast and wireless internet. It caters mainly to business travelers and tends to have locations in suburban business parks near the Interstate. Its loyalty program is called goldpoints plus. Until February 17, it's offering 10,000 bonus points for a one-night stay during the "Country Means Business" promotion. Register (and enrol in goldpoints plus) via this link. Read the terms and conditions carefully.

Radisson Hotels are also part of the Carlson chain. Stays at Radisson earn 20 points per $1, at Country Inns and Suites, 15. Booking online earns 1,000 bonus points. Free stays start at 15,000 points. You can book stays with a combination of points and cash.

Marriott is one of the world's largest chains, but is underrepresented in Canada. And I find its properties to be generally more expensive than the competition. But between February 1 and April 30 Marriott is rolling out its Megabonus promotion. Stay twice and earn a free night. Register (and enrol, if you're not a member) via this link.

No word yet from Hyatt and IHG (Holiday Inn), but if they announce anything good, I'll let you know.

Points follow-up

Since the series of posts on points and miles wrapped up, a couple of items of interest have come my way.

A loyal blog follower informs me that there is an AirMiles app for your smart phone. Put in your location and it will show you the nearest AirMiles partners. Text "AirMiles App" to 26898 to go straight to the download page on your iPhone or BlackBerry.

Until November 4, CHOICEprivileges, the loyalty program of Choice Hotels (Comfort, Quality, Clarion, etc.), is offering a free night when you stay two nights. You can join the program here. Further down the page, you'll also see a link to apply for the affiliated MBNA MasterCard to earn points for all your credit card spending. If you do a lot of road trips and are looking to earn free nights at a budget hotel chain, this could be a good program for you.

Something I did not discuss in my series of posts about point programs, is that for the majority of airline and hotel programs, you may purchase points, either for yourself, or as a gift for others. The problem is that the cost is usually more that the points are worth (i.e.: you could book a flight or room directly for less money), but under certain conditions, buying points does make sense. And occasionally, points do go "on sale".

For example, until December 31, Starwood Preferred Guest is selling points for 20% less -- $14 for 500 instead of the usual $17.50. If you need only a few points to get to a reward level, or if you are close to the 20K threshold for earning the 5K bonus for converting to airline miles, this can make sense. SPG allows you to buy up to 20K points in a calendar year and the points appear in your account within 24 hours.

In some cases, you could even save money on a holiday. That's because when redeeming SPG points for a five-night stay, the fifth night is free, so five nights at a category 3 hotel requires 4x7K=28K points. If you purchase 20K points for $560 before December 31, and another 8K for $280 (at the regular rate of $17.50 per 500) in January, that works out to $168 per night for a five-night stay. For January 20-25, the Sheraton Fort Lauderdale Beach Hotel is $190 per night. The Westin Fort Lauderdale is $229. I chose these hotels and dates at random. Depending on your choice of date and location, you, too, can find values like this. All you have to do is belong to the Starwood Preferred Guest program and buy points through this link. There's a fuller description of the program in the post dated October 4.

And finally, here's an update to the Aeroplan/BMO Club Sobeys MasterCard snafu (see post dated October 7). I received a letter on October 8, dated October 5, confirming what the Club Sobeys CSR had told me over the phone. But since the change did not take effect until October 15, the Club Sobeys points I received for keeping the credit card when Bank of Montreal took over from Citi were autoconverted. So, props to Sobeys, BMO, and Aeroplan for living up to their end of the (original) bargain. I still plan to cancel the card, since I don't have any need for another MasterCard if it doesn't earn me travel rewards.

Points 6: Starwood Preferred Guest Program

Last time, I explained how joining hotel loyalty programs, even if you stay only once, is worthwhile, because it allows you to credit points to your favourite airline frequent flier program.

Of course hotel programs can be valuable for themselves, especially if you are loyal to one chain. Wyndham (Ramada, Super 8, Howard Johnson, Travelodge, Days Inn), Marriott, and Best Western each have several thousand properties worldwide, which makes it easy to find one in the location you're staying. And if the rate is competitive, earning points toward a free night might be the deciding factor. I belong to all these programs (of course), but only in order to credit stays to airline plans. I focus on two plans for actually collecting points: Starwood and Priority Club.

I've told you that I have a Starwood Preferred Guest (SPG) American Express card. Before Amex, it was affiliated with MBNA, a division of Bank of America that issues credit cards in Canada. It was a no fee card then and was the best travel rewards card on the market, given the value SPG points have both for redeeming for hotel rooms and for swapping (with bonuses) into airline plans. Over the last five years, I've earned over 150K SPG points, which I've redeemed for flights, airline miles, and hotel stays. I've also earned points for stays at Starwood hotels (Sheraton, Westin, Le Meridien) when the rate was a better deal than burning points. And sometimes bonus offers, like last year's "Stay twice, get a free night" offer make paying for a room worthwhile.

I've just done that again recently, something points hounds call a "mattress run". The idea is to find a rate which earns points or rewards that are more valuable than the rate paid. Here's what I did. I recently received two offers from Starwood: one was the current general offer of double points for each stay; the other was a targeted offer (since I hadn't stayed at a Starwood property in a while) of 25% off my next reward redemption if I had a stay by October 31. So I went to the Starwood site and looked for a low rate. I found the Four Points by Sheraton Niagara Fallsview for $69 night. And then I found a package deal for $99 a night which included a $45 dinner credit, so I booked that.

Here's how it works out for me. I earn 2 SPG points per dollar spent, so I'll get 200 points. But double points means 400. Taxes, parking ($20), and anything I spend on dinner over $45 (perhaps a glass of wine?) also earn points. And since I'm charging everything to my SPG Amex card, I'll earn another point for every dollar. I expect to get over 700 points. But at that rate I'd have to stay 10 times to get a free night at the Westin Harbour Castle, so that's not the real reason for our little jaunt.

When you redeem your SPG points for a 5-night stay, you receive the fifth night free. But that 25% discount offer earns another free night. Remember Palm Springs? The Westin Mission Hills Resort and Spa (I know, sounds swank) is 10K points a night, so a 5-night stay will cost me 30K points, not 50K. Put another way, since a night the Westin Mission Hills etc. is a little over US$300, my night in Niagara more than pays for itself.

I'll really hate it if I have to give up the SPG Amex next spring. I'm hoping that if the droves of former MBNA cardholders, like myself, who accepted the card because the annual fee was waived for the first year threaten to cancel, Amex either will reduce the annual fee or give a retention bonus.

Looks like I've gone way over my 500 words, so there'll have to be a separate post on Priority Club. That's only fitting, because Priority Club was where points collecting all began for me.

Points 3: Starwood Preferred Guest American Express Card

The problem with collecting Aeroplan miles is that millions of other Canadians do too. So when it comes time to redeem that flight on Air Canada or one of its Star Alliance partners, you're competing with a lot of other people for a few seats. Of course you can always pay more points for "extra access", but that could end up costing more than twice as much as a regular award.

However, few Canadians belong to the plans of the major U.S. airlines – American, Delta, United, and US Airways – so flights from Canadian cities are often readily available at the lowest rate, typically 25K points for a return economy class flight in North America.

That brings me to the Starwood Preferred Guest (SPG) American Express card. Starwood is the chain that includes Sheraton and Westin hotels, among others, and SPG is their loyalty program. You earn 2 SPG points for every dollar spent at Starwood hotels (bonus offers let you earn faster) and free nights start at 2,000 points, with most hotels in the 7-10K range. For example, both the Sheraton Centre and Westin Harbour Castle in Toronto are 7K points for a free night.

The SPG Amex card earns 1 SPG point for every dollar spent. MBNA used to be Starwood's partner, and the card was no-fee, which was a terrific deal, but early this year they switched to Amex and now their card costs $120 a year. Given Amex's limited acceptance and the less generous insurance benefits, it's generally not as good a deal as the Aeroplan bank cards.

Except SPG has one really big advantage: you can trade its points one for one with almost any airline's. And if you swap 20K points, they give you a 5K bonus, resulting in 25K airline miles. This amounts to 1¼ miles for dollar spent. So if you have the annual spending to justify a $120 annual fee card, the 25% extra miles and ability to redeem with virtually any airline might make this card worthwhile to you.

You can apply online, there's a 10K point sign-up bonus, and you'll be automatically enrolled in the SPG program.

I accepted the card last spring because Amex waived the annual fee for former MBNA card holders for the first year. They also offered an 11K point sign-up bonus and my wife got a card too. We recently swapped 20K of those points for 25K American Airlines Advantage miles for free return flights from Palm Springs to Toronto.

I plan to cancel the card next year unless Amex lowers the annual fee (in the U.S. it's only $65 a year) or offers a hefty renewal bonus. Otherwise, it won't be worth it to me. I'll bring the Club Sobeys MasterCard out of mothballs and focus on earning free Aeroplan miles with it.

The SPG card enables you to benefit from membership in a host of airline plans. In Points 301 I'll explain why you should join the plan of every hotel chain you stay at as well.