What are credit card points worth in Canada?
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It depends on the program and how you redeem. As of September 25, 2026, 10,000 PC Optimum points were worth $10 at participating stores, 1,000 Scene+ points took $10 off groceries, and 1,000 American Express Membership Rewards points bought a $10 travel credit but less in most gift cards. Aeroplan's terms say its points have no monetary value, so work out the value of each redemption.
Do credit card points expire?
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It depends on the program. Aeroplan points expire after 18 months of inactivity unless you hold a qualifying Aeroplan card or Elite Status (expiry is paused until November 30, 2026). PC Optimum points don't expire, but an account may be closed after 2 years without earning or redeeming. Scene+ points are forfeited when an account is closed for inactivity (24 months for registered cards). American Express Membership Rewards points don't expire while you're enrolled but are lost if you cancel your card without another linked card.
What's the difference between transferable points and airline miles?
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Transferable points, such as American Express Membership Rewards or RBC Avion, can be redeemed in the bank's program or converted into several airline and hotel programs at published ratios. Airline points, such as Aeroplan, are earned and redeemed within that airline's program. Conversions only go one way.
Can I combine points from different credit cards?
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Within one program you often can: Aeroplan credit cards are linked to your Aeroplan account, and American Express's terms describe several cards linked to one points account. Across programs, only through conversions a program allows; Aeroplan's terms say its points can't be transferred or converted to or from another program unless Aeroplan permits it.