Advertisers are not responsible for the content of this site, including any editorials or reviews that may appear on this site. For complete and current information about any information on any advertiser product, please visit their website. We receive compensation from some financial institutions listed on this site. Although we are compensated for each approved financial product through our website’s affiliate links, our research and content are based on an objective analysis. †Terms and conditions apply.
Following our article on the best credit cards for beginners, it’s important to remember that this is a marathon, not a sprint! Indeed, to avoid negative effects on your credit score, it’s important to take things slowly at first.
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.
Intermediate credit card holders are characterized by their understanding of loyalty programs and their ability to manage their cards to maximize rewards.
This list has been compiled based on our analysis, personal experience and that 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 article : Which credit card(s) to get? These best mid-level credit cards are for people with a little experience were chosen based on:
In summary, here are our top picks for the best credit cards to begin this new stage:
Why hold the Marriott Bonvoy® American Express®* Card ?
Those bonus points are more than enough to spend a few nights near Mount Fuji in Japan!
The myth that American Express cards are not accepted anywhere is very persistent. But it’s not true – check out our article on where these cards are accepted. Don’t miss out on major savings because of an urban legend.
To book flights with Aeroplan points, there is this very interesting card.
Why subscribe to the TD® Aeroplan® Visa Infinite* Card ?
For example, these 25,000 Aeroplan points, together with the 7,500 points accumulated on the expenses required to obtain the welcome bonus, make it possible to travel at a lower cost to relax in Mexico.
The TD® Aeroplan® Visa Infinite* Card requires an annual income of at least $60,000. For a card that doesn’t require a minimum income, you can sign up for its cousin, the TD® Aeroplan Visa Platinum* Card . It doesn’t offer the same benefits, but at least you’ll earn Aeroplan points for future travel.
The TD First Class Travel® Visa Infinite* Card is a credit card that is often underestimated and flies under the radar. Yet, it is extremely profitable, especially with the best welcome offer we’ve seen!
The BMO VIPorter World Elite Mastercard is one of the newest and most underrated credit cards on the market. Its points are redeemable with Porter Airlines, and can be exchanged for flights with Porter, as well as with Air Transat for travel to Europe, for example.
This card requires a minimum annual income of $80,000. Another alternative is its little sister, the BMO VIPorter Mastercard.
Continue your learning with our expert guide!
But most importantly, whatever you choose, it is crucial to pay your credit card balances in full every month! Otherwise, all your profits will be wiped out by interest charges.
Also, take a few minutes to carefully read all the credit card terms and conditions. These few moments of reading are important, to make sure you get your welcome offer and make it rain points!
Savings are here (if you don’t see the sign-up form, please click here):
You can change your preferences or opt out at any time by clicking on one of the hyperlinks available at the bottom of each newsletter.
If you are already a subscriber and would like to unsubscribe, you can click on the link at the bottom of any of our e-mails.
