Add up: travel insurance value ($150-300), lounge access ($30/visit), free checked bag ($50/flight), welcome bonus (~$500 first year), plus 1.5-3% point earning. Most premium cards break even at $20K-30K spend.
Is the premium card actually saving you money?
Reviewed by: Montreal Tips editorial team · Last updated: May 13, 2026
Note: Estimates only — verify with official sources before booking.
Reach out at triman[@]captaim.com
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