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Credit Card Stack

Intermediate level: Which credit card(s) to apply for?

To the point Here's a quick summary of our best credit card recommendations for those with some experience with points.

As a follow-up to our article on credit cards, when starting, it is essential to remember that this is a marathon, not a sprint! It is necessary to calm down at the beginning to avoid negative repercussions on your credit rating.

When starting, the norm is to apply for 1 or 2 credit cards every six months. Then, apply for two cards every four months when you are more used to it.

This list was compiled based on our analysis, personal experiences and those of Milesopedia readers. When you have experience with credit cards, these are the best cards we recommend most often.

We assume you already have one or two cards from the Beginner Level articl : Which credit card(s) apply for? These best credit cards for people with little experience were chosen based on:

  • their profitability
  • medium and long term benefits
  • and the ability to earn rewards at an higher level than the previous ones

In summary, here are our picks for the best credit cards to start with:

Card Why
Marriott Bonvoy® American Express®* Card For its excellent bonus and Free Night Award Certificate
TD® Aeroplan® Visa Infinite* Card For its Aeroplan points and benefits that make travel easier
HSBC World Elite® Mastercard® One of the few credit cards that avoids the 2.5% foreign conversion fee
Platinum Card® For travel-related benefits such as unlimited airport lounge visits

Marriott Bonvoy® American Express®* Card

Why hold the Marriott Bonvoy® American Express®* Card?

  • Excellent welcome bonus with reasonable minimum spend
  • Rare offer of an additional 10,000 points bonus under spending conditions
  • One free night at a Marriott Bonvoy hotel after one year of card ownership (more than offsets the $120 annual fee)
  • Benefits for Marriott Bonvoy members
  • No minimum income required
  • Excellent customer service from American Express

It’s perfect for spending the Easter long weekend in Las Vegas!

Las Vegas Marriott

The myth that American Express cards are not accepted anywhere is very persistent. This is not true and you can check on this site where these cards are accepted. Don’t miss out on significant savings because of an urban legend!

TD® Aeroplan® Visa Infinite* Card

To book flights with Aeroplan points, there is this very interesting card.

Why apply for the TD® Aeroplan® Visa Infinite* Card?

  • 30,000 Aeroplan points can be earned fairly quickly with a reasonable minimum spend
  • 20,000 additional Aeroplan points can be earned with an average spend of $625 in the first 12 months
  • To get one free checked bag on Air Canada flights
  • First year’s annual fee waived
  • Complimentary 6-month Uber Pass membership
  • Exclusive benefits and experiences with Visa Infinite
  • Free TD Auto Club membership for roadside assistance

For example, with 50,000 Aeroplan points, two people can spend part of spring break in Orlando.

Aeroplan Orlando Spring Break

HSBC World Elite® Mastercard®

Why apply for this HSBC World Elite® Mastercard®?

  • 20,000 points earned only by making a first purchase
  • 70,000 points earned after the first six months
  • $100 annual travel credit
  • Points with great flexibility for travel expenses (flights, airport parking, hotel rooms, etc.)
  • One of the few credit cards that do not charge a 2.5% conversion fee when travelling outside the country
  • Perfect to use at Costco (because it’s a Mastercard!)

Tip: Include your social insurance number in your application for this card. You will have a better chance of being approved.

Here’s an example of how to spend money with Undercover Tourist, which allows you to buy tickets to the Disney parks:

undercover tourist apply points hsbc en

The TD® Aeroplan® Visa Infinite* Card and the HSBC World Elite® Mastercard® require a minimum annual income of $60,000 or $80,000.

If you don’t meet that criteria, here’s this other option that’s available to everyone, and offers many travel benefits:

Platinum Card®

Why should you apply for this Platinum Card®?

  • No minimum income requirement: it is the only premium card in Canada that does not require a minimum income
  • Excellent welcome bonus
  • Unlimited access to airport lounges for the Cardmember and one guest
  • $200 Annual Travel Credit
  • Transfer points to airline and hotel partners (a good complement to the American Express Cobalt® Card recommended at the beginner level)
  • Excellent travel insurance


But most importantly, whatever you choose, you must pay your credit card balances in full every month! Otherwise, all your profits will be wiped out by interest charges.

Also, be sure to read all credit card terms and conditions carefully.

Happy hunting for points!

Come to discuss that topic in our Facebook Group!

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