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Canadian Points Broker vs US Brokers: How to Choose

If you're in Canada and thinking about selling points to a US broker, here's the side-by-side — paid in CAD via Interac, transparent published rates, and no account password required.

Last reviewed: April 7, 2026

Both options are legal in Canada. The differences below are about how the transaction works, not whether it works.

Headquarters

Mega Miles Broker

Toronto, Ontario, Canada

Typical US Points Broker

United States

Payment currency

Mega Miles Broker

Canadian dollars (CAD)

Typical US Points Broker

US dollars (USD)

Payment method

Mega Miles Broker

Interac e-Transfer to your Canadian bank, within 48 hours

Typical US Points Broker

PayPal or US wire transfer

FX cost to you

Mega Miles Broker

None — paid in CAD, by a Canadian business

Typical US Points Broker

USD-to-CAD conversion + PayPal/wire fees

Rate transparency

Mega Miles Broker

Published on /rates, timestamped, updated as the market moves

Typical US Points Broker

Quote on request only — typically requires submitting a form first

Account password requirement

Mega Miles Broker

Never. Transfers always initiated by you.

Typical US Points Broker

Varies by broker — confirm before submitting

Privacy framework

Mega Miles Broker

PIPEDA (Canadian federal privacy law)

Typical US Points Broker

US state laws — varies

Programs covered

Mega Miles Broker

Aeroplan, Amex Membership Rewards, Marriott Bonvoy

Typical US Points Broker

Aeroplan plus 20+ other airline / hotel programs

Customer support timezone

Mega Miles Broker

Eastern Time, Canadian business hours

Typical US Points Broker

Varies — typically US business hours

Sources for the right column: each US broker's own public sell-points page. See the reference table at the bottom of this page.

Paid in CAD, no FX surprise

When a US broker pays you USD via PayPal, you absorb the currency conversion plus PayPal's transfer fee on the way into your Canadian bank account. That's typically a 3–5% haircut you only see after the transaction closes. Mega Miles pays in Canadian dollars by Interac e-Transfer — the amount on your quote is the amount in your account.

Rates you can verify before you commit

If a broker won't tell you the rate until after you submit a form, you cannot price-shop and you cannot benchmark. Our rate sheet lives at megamilesbroker.com/rates, is timestamped, and updates as the market moves. You can check it before you talk to us, after you talk to us, or three weeks from now without ever creating an account.

No password, ever

We will never ask for your Aeroplan, Amex, or Marriott account password. Every transfer is initiated by you, through the program's own interface, using step-by-step instructions we send before you click. Aeroplan moves through Family Sharing, Amex moves through your Amex dashboard's transfer page, and Marriott moves through your own Marriott account. Your credentials never leave your screen.

What “quote only” actually costs you

A “request a quote” workflow is not, by itself, a red flag — every broker will eventually quote you a number. The friction is that without a published rate sheet, you cannot benchmark the offer against anything. You don't know if it's at market, above market, or 20% below. Our rate sheet exists so you can do that comparison before you talk to us — and so we have to keep our pricing honest.

See current Mega Miles rates

How the no-password process works

The single most common reason Canadian sellers walk away from a transaction is that the broker asked for an account login. We don't. Every program we work with — Aeroplan, Amex MR, Marriott Bonvoy — has a sanctioned, account-holder-initiated transfer mechanism. We send you the exact steps for your program. You stay logged in to your own account. You initiate the transfer yourself. We confirm receipt and pay you via Interac.

1. You stay logged in

Your credentials never leave your screen.

2. We send exact instructions

Plain-English steps for your specific program.

3. You initiate the transfer

Every transfer happens through the program's own interface.

Zero-password promise — every program, every transfer.

What selling to a Canadian broker looks like

Get a free quote

Submit your program + balance via the form on /sell.

Review your locked rate

Issued in CAD, valid for 7 days.

Initiate the transfer yourself

Using our step-by-step instructions for your program.

Get paid via Interac e-Transfer

Within 48 hours of the transfer landing.

See the full process step-by-step →

For reference: how three US brokers describe themselves on their own websites

This page is not affiliated with, endorsed by, or sponsored by any of the brokers listed below. All values are taken from each broker's own public sell-points page as of April 7, 2026. We do not endorse or disparage any of these companies — we are simply showing what they publish.

BrokerHQPrograms coveredRates published publicly?Payment methodSource URL
MilesBuyer [1]USAeroplan + ~25 other programsNo (quote only)PayPalhttps://milesbuyer.com/sell-miles/sell-aeroplan-miles
The Miles Market [2]US30+ programs incl. AeroplanNo (quote only)US bank transfer / PayPalhttps://themilesmarket.com/sell-miles/sell-aeroplan-miles
Mileage Spot [3]USAirline miles incl. AeroplanNo (quote only)PayPal / wirehttps://mileagespot.com/sell-aeroplan-air-canada-miles

If any of these companies have updated their public information and a row is now out of date, please email info@megamilesbroker.com and we will review.

Frequently asked questions

Next steps

See current rates

See current rates →

How the full process works

How the full process works →

Get my personalized quote

Get my personalized quote →

Aeroplan details

Aeroplan details →

Amex MR details

Amex MR details →

Marriott Bonvoy details

Marriott Bonvoy details →

Choose the Canadian path

Get a free, personalized quote in under 2 minutes. CAD via Interac. Rate locked for 7 days. No obligation.

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