You are being given a low exchange rate at HiLo if you use your cc. They convert your charges in J$ to C$. I could only give you US - J examples since I don't know what the Canadian - J exchange rate is. The rate they give you when converting $$$ is NOT in your favor, that's for sure. Unless Canadian banking fees are different, you're also being hit w/ a % fee for currency conversion regardless of the charge being in Canadian, US, or J$.