As a follow-up to our article on credit cards for beginners, it is important 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 article : Which credit card(s) to get? These best mid-level credit cards are for people with a little experience were chosen based on:
To sum up, here are our picks for the best credit cards to start this new stage:
Why hold the Marriott Bonvoy® American Express®* Card ?
Those bonus points are more than enough to spend a night near Mount Fuji in Japan!
It’s a common myth that American Express cards are not accepted anywhere. 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 points Aeroplan, 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® Platinum* Visa Card AeroplanMD. It doesn’t offer the same benefits, but at least you’ll earn Aeroplan points for future travel.
Why apply to this BMO Ascend World Elite Mastercard®*?
The BMO Ascend World Elite Mastercard requires a minimum annual income of $80,000.
Here’s another option that gives you effortless free entry to airport lounges:
The TD First Class Travel® Visa Infinite* Card is an underrated credit card that often flies under the radar. And yet, it’s very profitable! What’s more, TD Bank will be adding another benefit starting April 30, 2025.
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):
