{"id":490588,"date":"2026-04-01T02:17:04","date_gmt":"2026-04-01T06:17:04","guid":{"rendered":"https:\/\/milesopedia.com\/?page_id=490588"},"modified":"2026-04-01T14:45:58","modified_gmt":"2026-04-01T18:45:58","slug":"__trashed-6","status":"publish","type":"page","link":"https:\/\/milesopedia.com\/en\/__trashed-6\/","title":{"rendered":"Credit Card Rewards: Our Beginner&#8217;s Guide"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;Get the Best Credit Card&#8221; css=&#8221;&#8221; el_id=&#8221;get_the_best_credit_card&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Thanks to our expert team&#8217;s analyses, Milesopedia explains the best ways to save and earn the most points and cash back with:<\/p>\n<ul>\n<li>Our monthly ranking of the best credit card offers;<\/li>\n<li>Our powerful credit card comparison tool (also used by Prot\u00e9gez-Vous);<\/li>\n<li>Discovering the <a class=\"wpil_keyword_link\" title=\"10 Reasons Why You Should Use Your Credit Card in Canada\" href=\"https:\/\/milesopedia.com\/en\/guide\/10-reasons-use-credit-card\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1491\">benefits of credit cards<\/a>;<\/li>\n<li>Receiving relevant information and tips every week on loyalty programs to <a class=\"wpil_keyword_link\" title=\"How to Save Money Everywhere in Everyday Life?\" href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-to-save-money-every-day\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1492\">save<\/a>, through our weekly newsletter.<\/li>\n<li>Concrete step-by-step examples to reap the maximum rewards.<\/li>\n<\/ul>\n<p>We help you better choose the <a class=\"wpil_keyword_link\" title=\"Scotiabank&lt;sup&gt;MD&lt;\/sup&gt; Platinum American Express&lt;sup&gt;MD&lt;\/sup&gt; Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-platinum-american-express\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1488\">best credit card<\/a> and use it to its full potential. <a class=\"wpil_keyword_link\" title=\"Prepaid Mastercard: Get KOHO Extra free for 3 months + $20\" href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/koho-mastercard-prepaid-card-offer\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1490\">Milesopedia<\/a> has done all the work to make your life easier. Don&#8217;t leave any <a class=\"wpil_keyword_link\" title=\"Travel to New York with points &amp; miles\" href=\"https:\/\/milesopedia.com\/guides\/destination\/partir-a-new-york-avec-des-points-miles\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1495\">points<\/a> on the table and don&#8217;t miss the chance to find the card that will earn you the most! <\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Prefer a video format? Please see our <a href=\"https:\/\/youtu.be\/WWTxRLJWrLo\" target=\"_blank\" rel=\"noopener\">Introduction to Getting Started with Rewards Points<\/a> here. <\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>We invite you to read the following to facilitate your learning and avoid beginner&#8217;s <a class=\"wpil_keyword_link\" title=\"Airline pricing errors\" href=\"https:\/\/milesopedia.com\/en\/guide\/airlines-pricing-errors\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1484\">mistakes<\/a>.<\/p>\n<p>If you have any questions, do not hesitate to join our <a href=\"https:\/\/www.facebook.com\/groups\/milesopedia\" target=\"_blank\" rel=\"noopener\">Facebook group<\/a> where the entire community of experts is there to help you. <span style=\"font-weight: 400;\">In fact, the<\/span><span style=\"font-weight: 400;\"> most common testimonial we hear <\/span><span style=\"font-weight: 400;\">in the group is: &#8220;When I think of all those points I&#8217;ve missed out on over the past few years!&#8221;. <\/span> <\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"228051\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;links&#8221;]<\/p>\n<p><a class=\"wpil_keyword_link\" title=\"How Credit Cards Work in Canada\" href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/how-credit-cards-work-in-canada\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1534\">Credit cards<\/a> can offer rewards or benefits such as:<\/p>\n<ul>\n<li>Access to <a href=\"https:\/\/milesopedia.com\/en\/guides\/strategies\/free-airport-lounge-access\/\">airport lounges<\/a> to relax;<\/li>\n<li>Pay less for gas;<\/li>\n<li>Free breakfasts in hotels;<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/insurance\/\">Travel insurance<\/a> that ease the stress of mishaps while on vacation;<\/li>\n<li><a class=\"wpil_keyword_link\" title=\"Getting Cash Back in Canada\" href=\"https:\/\/milesopedia.com\/en\/get-cash-back-canada\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1482\">Cash back<\/a>;<\/li>\n<li>Earn up to 5x points at restaurants or grocery stores;<\/li>\n<li>Get free admission tickets to <a class=\"wpil_keyword_link\" title=\"When is the best time to go to Disney without the crowds?\" href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-time-to-go-disney\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1514\">Disney<\/a> or Universal parks;<\/li>\n<li>Points to redeem for hotel nights, flight tickets, <a class=\"wpil_keyword_link\" title=\"Car Rentals: Save with Credit Card Discounts\" href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/car-rental-credit-card-discount\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1527\">car rentals<\/a>, Airbnb, etc.;<\/li>\n<li>Mobile device insurance covering minor accidents;<\/li>\n<li><a class=\"wpil_keyword_link\" title=\"How to Get Free Baggage with Porter Airlines\" href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/free-baggage-porter\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1541\">Free checked baggage<\/a>;<\/li>\n<li><span style=\"font-weight: 400;\">Avoid the sneaky 2.5% foreign currency conversion fee.<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Myths&#8221; css=&#8221;&#8221; el_id=&#8221;myths&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Many are hesitant to apply for another credit card (or several!). Here are the most common myths: <\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 872px;\">\n<tbody>\n<tr style=\"height: 95px;\">\n<td style=\"width: 50%; height: 95px;\">I can&#8217;t take out a credit card at this bank. I don&#8217;t even have a <a class=\"wpil_keyword_link\" title=\"The 5 Best Chequing Account Offers \u2013 July 2025\" href=\"https:\/\/milesopedia.com\/en\/offres\/comptes-bancaires\/best-chequing-accounts-canada\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1536\">bank account<\/a> there.<\/td>\n<td style=\"width: 50%; height: 95px;\">You can get a credit card from any financial institution, even if it&#8217;s not your primary bank. Simply pay your card balance from your existing bank account, like a bill payment. <\/td>\n<\/tr>\n<tr style=\"height: 119px;\">\n<td style=\"width: 50%; height: 119px;\">Opening or closing one or more credit cards will destroy your credit score.<\/td>\n<td style=\"width: 50%; height: 119px;\">A credit card application only accounts for 10% of <a class=\"wpil_keyword_link\" title=\"Mortgages: How a lender looks at your credit score\" href=\"https:\/\/milesopedia.com\/finances-personnelles\/score-credit\/hypotheques-comment-un-preteur-regarde-votre-score-de-credit\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1561\">your credit score<\/a>. Yes, your score may decrease, but it will recover in the following months if you continue to maintain sound financial management.<\/td>\n<\/tr>\n<tr style=\"height: 119px;\">\n<td style=\"width: 50%; height: 119px;\">It is unnecessary to pay <a class=\"wpil_keyword_link\" title=\"Should You Ever Pay a Credit Card Annual Fee in Canada?\" href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/pay-credit-card-annual-fee\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1533\">annual fees<\/a> for a credit card.<\/td>\n<td style=\"width: 50%; height: 119px;\">A <a target=\"_blank\" class=\"wpil_keyword_link\" title=\"The 12 Best No-Annual-Fee Credit Cards for the First Year \u2013 July 2025\" href=\"\/?p=247140\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1563\">no-fee card<\/a> often has very few benefits. However, a credit card with annual fees often provides significant benefits that will save you money! Example: the $150 travel credit offered by a credit card with a $150 annual fee means that it pays for itself.  <\/td>\n<\/tr>\n<tr style=\"height: 71px;\">\n<td style=\"width: 50%; height: 71px;\">American Express credit cards are not accepted anywhere.<\/td>\n<td style=\"width: 50%; height: 71px;\"><a class=\"wpil_keyword_link\" title=\"American Express: How we use our American Express cards... every day!\" href=\"https:\/\/milesopedia.com\/en\/?p=48281\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1564\">American Express cards<\/a> are increasingly accepted at your favourite stores. See all the <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/american-express-cards-acceptance-canada-quebec\/\" target=\"_blank\" rel=\"noopener\">merchants where they are accepted in this article.<\/a> <\/td>\n<\/tr>\n<tr style=\"height: 95px;\">\n<td style=\"width: 50%; height: 95px;\">Reward programs steal your data.<\/td>\n<td style=\"width: 50%; height: 95px;\">It&#8217;s up to each individual to decide whether or not to participate. Please note that in <a class=\"wpil_keyword_link\" title=\"Canada: 10 winter must-sees in Quebec City\" href=\"https:\/\/milesopedia.com\/en\/guide\/destination\/quebec-city-10-things-to-do-visit-winter\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1502\">Quebec<\/a>, your data is protected by the Act to modernize legislative provisions as regards the protection of personal information (Bill 25).<\/td>\n<\/tr>\n<tr style=\"height: 143px;\">\n<td style=\"width: 50%; height: 143px;\">I don&#8217;t fly with Air Canada, so I don&#8217;t want to know anything about the <a class=\"wpil_keyword_link\" title=\"Aeroplan: The Different Points + Cash Redemption Options\" href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/aeroplan-points-cash\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1499\">Aeroplan<\/a> program.<\/td>\n<td style=\"width: 50%; height: 143px;\">Aeroplan is not just with Air Canada. Use your Aeroplan points to travel with over 50 airline partners such as: SWISS, United, Air <a class=\"wpil_keyword_link\" title=\"New Zealand: South to North Itinerary | Family Travel\" href=\"https:\/\/milesopedia.com\/en\/guide\/destination\/new-zealand-family-south-to-north\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1511\">New Zealand<\/a>, ANA, Lufthansa, EGYPTAIR, Singapore Airlines, TAP Air Portugal, Turkish Airlines, Virgin Australia, etc. <\/td>\n<\/tr>\n<tr style=\"height: 63px;\">\n<td style=\"width: 50%; height: 63px;\">What&#8217;s the best card for travel?<\/td>\n<td style=\"width: 50%; height: 63px;\">That&#8217;s a very broad question! Read on to clarify your objective.<\/td>\n<\/tr>\n<tr style=\"height: 167px;\">\n<td style=\"width: 50%; height: 167px;\">It&#8217;s far too complicated for <a class=\"wpil_keyword_link\" title=\"moi\" href=\"https:\/\/milesopedia.com\/en\/reward-program\/metromoi\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1517\">me<\/a>&#8230;<\/td>\n<td style=\"width: 50%; height: 167px;\">Here are some <a href=\"https:\/\/milesopedia.com\/en\/toolbox-organize-finances-and-rewards\/\" target=\"_blank\" rel=\"noopener\">specially prepared tools<\/a> to make your life easier, including a step-by-step guide to finding and managing the best credit card for you. No time? Simply choose one of our <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/beginner-level-credit-card-recommendations\/\" target=\"_blank\" rel=\"noopener\">top 3 best credit cards to get started<\/a>. At least you will have one of the best in your wallet.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Since 2015, the entire Milesopedia team has been experimenting with credit cards, loyalty programs, and cash back, and informing you about the best things to do (and not to do!) to help you better choose the credit card that earns you the most.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Step 1: Basic Rules&#8221; css=&#8221;&#8221; el_id=&#8221;step_1_basic_rules&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;links&#8221;]<\/p>\n<p>Here are the golden rules for earning the most rewards:<\/p>\n<ul>\n<li>Pay your credit card balance in full every month (otherwise, all your profits will be cancelled out by interest charges);<\/li>\n<li>Read the fine print and take screenshots of promotions to ensure you meet all conditions and can refer to them later;<\/li>\n<li>Do not spend more than usual;<\/li>\n<li>Be patient (it&#8217;s always said to be a marathon, not a sprint);<\/li>\n<li>Do not close your oldest credit card (to avoid damaging your credit history. Keep it open by opting for the same version, but without annual fees).<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Step 2: What is Your Goal?&#8221; css=&#8221;&#8221; el_id=&#8221;step_2_what_is_your_goal_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Here&#8217;s how to get started:<\/p>\n<p>1- Define your <strong>goal<\/strong>: it&#8217;s easy and yet so difficult at the same time. Which one to choose? <\/p>\n<p>Here are several ideas for points or cash back:<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;419280&#8243; img_size=&#8221;large&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>2- Then, we recommend focusing on a maximum of one or two programs. The best ones to start with are:<\/p>\n<ul>\n<li>Aeroplan (for flight tickets);<\/li>\n<li><a class=\"wpil_keyword_link\" title=\"Marriott Bonvoy: Here are the 280+ Marriott Bonvoy Hotels in Canada\" href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/marriott-bonvoy-hotels-canada\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1489\">Marriott<\/a> Bonvoy (for hotels);<\/li>\n<li>Flexible points like Scene+ points, <a class=\"wpil_keyword_link\" title=\"CIBC Aventura: How to use Aventura Points for Cheap Travel\" href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-use-points-aventura-travel\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1494\">Aventura points<\/a>, TD Rewards points, American Express Membership Rewards points, or NBC Rewards points (which reimburse all types of travel expenses);<\/li>\n<li>Or simply cash back.<\/li>\n<\/ul>\n<p>3- To start, we believe the best credit card combination for travel is:<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 188px;\">\n<tbody>\n<tr style=\"height: 117px;\">\n<td style=\"width: 34.0652%; height: 117px;\"><a title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a><\/td>\n<td style=\"width: 65.9348%; height: 117px;\">\n<ul>\n<li>Very fast point accumulation with 5X points at grocery stores and restaurants<\/li>\n<li>Great flexibility for point redemption (by transferring to the Aeroplan and Marriott Bonvoy programs, or by directly reimbursing card expenses)<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 71px;\">\n<td style=\"width: 34.0652%; height: 71px;\"><a title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a><\/td>\n<td style=\"width: 65.9348%; height: 71px;\">\n<ul>\n<li>Fast accumulation of 5X points at grocery stores and restaurants<\/li>\n<li>One of the best insurance coverages<\/li>\n<li>$150 in annual travel credit that offsets its $150 annual fee<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Compare credit cards with our <a href=\"https:\/\/milesopedia.com\/en\/?p=131131\" target=\"_blank\" rel=\"noopener\">credit card comparator<\/a>.<\/p>\n<p>Visit our <a href=\"https:\/\/milesopedia.com\/en\/series\/testimonials\/\">testimonials<\/a> section: all those who have shared their successes with points started out with a very specific objective in mind!<\/p>\n<p>[\/vc_column_text][vc_message color=&#8221;success&#8221; message_box_color=&#8221;success&#8221; icon_fontawesome=&#8221;fas fa-check&#8221; css=&#8221;&#8221;]<\/p>\n<p>Always remember the order in which to proceed: <strong>OBJECTIVE<\/strong> =&gt; <strong>PROGRAMS<\/strong> =&gt; <strong>CARDS<\/strong>!<\/p>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Report&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;credit_report&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>When you apply for a credit card, the card issuer will <strong>check your credit file. <\/strong>Two institutions provide this information: <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/\">Equifax<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-transunion\/\">Transunion<\/a>.<\/p>\n<p>It is important to know that a credit <a class=\"wpil_keyword_link\" title=\"New Card Application: From \"Declined\" to \"Approved\"!\" href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1518\">card application<\/a> will only count for 10% of your credit score.<\/p>\n<p>80% of your credit score is based on:<\/p>\n<ul>\n<li>Your Payment Habits (35%)<\/li>\n<li>Your Credit Utilization Ratio (30%)<\/li>\n<li>Your Credit History (15%)<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_single_image image=&#8221;406953&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Have you been refused? Call your financial institution to find out more. It could be for the following reasons:<\/p>\n<ul>\n<li>Your <a class=\"wpil_keyword_link\" title=\"How is the credit score calculated in Canada?\" href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/101-credit-score\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1509\">credit file<\/a> is locked;<\/li>\n<li>The information from the credit bureau and that provided to the financial institution do not match;<\/li>\n<li>Recent move.<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"192400,116403\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Step 3: Choosing Your First Credit Card&#8221; css=&#8221;&#8221; el_id=&#8221;step_3_choosing_your_first_credit_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>To choose the credit card that matches your goals, a few points should be considered:<\/p>\n<ul>\n<li>Benefits (<a class=\"wpil_keyword_link\" title=\"Insurance: Credit card travel insurance\" href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/travel-insurance-credit-cards\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1504\">travel insurance<\/a>, priority boarding, free baggage, airport lounge access, no foreign currency conversion fees, etc.);<\/li>\n<li>The different ways to use points;<\/li>\n<li>The ease of earning points;<\/li>\n<li>Your upcoming purchases, expenses, or travels;<\/li>\n<li>The current credit card welcome offer;<\/li>\n<li>Your ability to meet the conditions to obtain the welcome offer.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>In summary, here are the cards to choose for each type of reward:<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 707px;\">\n<tbody>\n<tr style=\"height: 55px;\">\n<td style=\"width: 14.7637%; text-align: center; height: 55px;\"><strong><a class=\"wpil_keyword_link\" title=\"How To Get Off to a Good Start in 2025 With Rewards Programs\" href=\"https:\/\/milesopedia.com\/en\/guides\/strategies\/start-year-well-reward-programs\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1553\">Reward<\/a><\/strong><\/td>\n<td style=\"width: 25.3241%; text-align: center; height: 55px;\"><strong>Preferred Program<\/strong><\/td>\n<td style=\"width: 26.5789%; text-align: center; height: 55px;\"><strong>Credit Card Suggestion<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 14.7637%; text-align: center; height: 23px;\" rowspan=\"6\">Travel expense paid for yourself and as desired (car rental, <a class=\"wpil_keyword_link\" title=\"The Best Hotel Booking Sites\" href=\"https:\/\/milesopedia.com\/en\/guide\/best-sites-reservation-hotel-without-points\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1558\">hotel<\/a>, Airbnb, cruise, guided tour, train, flight ticket, etc.)<\/td>\n<td style=\"width: 25.3241%; text-align: center; height: 23px;\">American Express Membership Rewards<\/td>\n<td style=\"width: 26.5789%; text-align: center; height: 23px;\"><a title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 25.3241%; text-align: center; height: 23px;\"><a class=\"wpil_keyword_link\" title=\"CIBC Aventura: Redeem 35% Fewer Points for Any Trip!\" href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/cibc-aventura-travel-promo\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1528\">CIBC Aventura<\/a><\/td>\n<td style=\"width: 26.5789%; text-align: center; height: 23px;\"><a title=\"CIBC Aventura<sup>&reg;<\/sup> Gold Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-aventura-gold-visa-card\/\" rel=\"noindex\">CIBC Aventura<sup>&reg;<\/sup> Gold Visa* Card<\/a><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 25.3241%; text-align: center; height: 23px;\"><a target=\"_blank\" class=\"wpil_keyword_link\" title=\"New and improved NBC \u00c0 la carte Rewards Plan\" href=\"\/?p=159001\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1543\">NBC Rewards<\/a><\/td>\n<td style=\"width: 26.5789%; text-align: center; height: 23px;\"><a title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 25.3241%; text-align: center; height: 23px;\">Scene+<\/td>\n<td style=\"width: 26.5789%; text-align: center; height: 23px;\"><a title=\"Scotiabank Passport\u2122 Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport Visa Infinite Card<\/a><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 25.3241%; text-align: center; height: 23px;\"><a target=\"_blank\" class=\"wpil_keyword_link\" title=\"Plaza Premium Airport Lounges: Access Restored for Priority Pass Members\" href=\"\/?p=278346\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1507\">BMO<\/a> Rewards Points<\/td>\n<td style=\"width: 26.5789%; text-align: center; height: 23px;\"><a title=\"BMO eclipse Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-eclipse-visa-infinite\/\" rel=\"noindex\">BMO eclipse Visa Infinite* Card<\/a><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 25.3241%; text-align: center; height: 23px;\">TD Rewards Points<\/td>\n<td style=\"width: 26.5789%; text-align: center; height: 23px;\"><a title=\"TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 14.7637%; text-align: center; height: 23px;\">No foreign currency conversion charges (0%)<\/td>\n<td style=\"width: 25.3241%; text-align: center; height: 23px;\"> <\/td>\n<td style=\"width: 26.5789%; text-align: center; height: 23px;\">\n<p><a title=\"Scotiabank Gold American Express<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-gold-american-express-card\/\" rel=\"noindex\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a><\/p>\n<p><a title=\"Scotiabank Passport\u2122 Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport\u2122 Visa Infinite* Card<\/a><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 14.7637%; text-align: center;\">Flights<\/td>\n<td style=\"width: 25.3241%; text-align: center;\">Aeroplan<\/td>\n<td style=\"width: 26.5789%; text-align: center;\">\n<p><a title=\"American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-aeroplan-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Card<\/a><\/p>\n<p><a title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 14.7637%; text-align: center;\">Easy and advantageous transfer to other loyalty programs (Aeroplan, Flying Blue, <a class=\"wpil_keyword_link\" title=\"The Best Credit Cards for Avios: British Airways and Qatar Airways \u2013 July 2025\" href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/avios-miles-canada\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1515\">Avios<\/a>, Marriott Bonvoy, Hilton Honors)<\/td>\n<td style=\"width: 25.3241%; text-align: center;\">American Express Membership Rewards<\/td>\n<td style=\"width: 26.5789%; text-align: center;\">\n<p><a title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a><\/p>\n<p><a title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/p>\n<p><a title=\"American Express Platinum Card<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-platinum-card\/\" rel=\"noindex\">American Express Platinum Card<sup>&reg;<\/sup><\/a><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 14.7637%; text-align: center;\">Free Hotel Nights<\/td>\n<td style=\"width: 25.3241%; text-align: center;\">Marriott Bonvoy<\/td>\n<td style=\"width: 26.5789%; text-align: center;\">\n<p><a title=\"Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-marriott-bonvoy-card\/\" rel=\"noindex\">Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card<\/a><\/p>\n<p><a title=\"Marriott Bonvoy<sup>&reg;<\/sup> Business American Express<sup>&reg;<\/sup>* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-marriott-bonvoy-business-card\/\" rel=\"noindex\">Marriott Bonvoy<sup>&reg;<\/sup> Business American Express<sup>&reg;<\/sup>* Card<\/a><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 14.7637%; text-align: center;\"><a class=\"wpil_keyword_link\" title=\"Cash Back: Ranking of the Best Credit Cards in Canada for 2023\" href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-ranking\/cash-back-ranking-of-the-best-credit-cards-in-canada-for-2023\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1546\">Cash Back<\/a><\/td>\n<td style=\"width: 25.3241%; text-align: center;\"> <\/td>\n<td style=\"width: 26.5789%; text-align: center;\">\n<p><a title=\"Tangerine Money-Back World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine Money-Back World Mastercard<\/a><\/p>\n<p><a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-infinite-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/p>\n<p><a title=\"TD Cash Back Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-cash-back-visa-infinite-card-qc\/\" rel=\"noindex\">TD Cash Back Visa Infinite* Card<\/a><\/p>\n<p><a title=\"SimplyCash<sup>&reg;<\/sup> Preferred Card from American Express\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-simplycash-preferred\/\" rel=\"noindex\">SimplyCash<sup>&reg;<\/sup> Preferred Card from American Express<\/a><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Reward Programs to Get You Started&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;reward_programs_to_get_you_started&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>In Canada, the most well-known is <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/aeroplan\/\"><strong>Aeroplan<\/strong><\/a>, which is Air Canada&#8217;s loyalty program.<\/p>\n<p>Aeroplan points can be redeemed for:<\/p>\n<ul>\n<li>Flight tickets with Air Canada or partners such as United, <a class=\"wpil_keyword_link\" title=\"Emirates Destinations: Where to Travel in 2025?\" href=\"https:\/\/milesopedia.com\/en\/news\/airlines\/destinations-emirates-travel-2025\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1545\">Emirates<\/a>, Lufthansa, ANA, Singapore Airlines, SWISS, TAP Portugal, Turkish Airlines, Virgin Australia, etc.<\/li>\n<li>Hotel nights<\/li>\n<li>Car rentals<\/li>\n<li>Merchandise \/ Gift Cards<\/li>\n<\/ul>\n<p>As a general rule, you&#8217;ll get the best return on your investment by using these points for airline tickets.<\/p>\n<p>We estimate that one Aeroplan point is worth 2 cents. So, if you have <a class=\"wpil_keyword_link\" title=\"RBC Avion&nbsp;: How to Use Your RBC Avion Points for Travel Rewards\" href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-to-use-points-rbc-avion-travel-rewards\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1540\">100,000 Aeroplan points<\/a>, this has an estimated value of $2,000. <\/p>\n<p>If 100,000 points save you $1,000, that&#8217;s below our estimate. That&#8217;s still good, but it&#8217;s always possible to do better.<\/p>\n<p>On the contrary, if these 100,000 points save you $2,000, $5,000, or even more, congratulations! You have truly optimized your Aeroplan points. <\/p>\n<p>Get ahead and <a href=\"https:\/\/www.aircanada.com\/aeroplan\/member\/enrolment?lang=fr-CA\" target=\"_blank\" rel=\"noopener\">sign up for the Aeroplan program for free here<\/a>.<\/p>\n<p>Even if you don&#8217;t have Aeroplan points, feel free to research how many Aeroplan points you need for an upcoming trip.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"100492\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"194291\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Hotel programs&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;hotel_programs&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>In Canada, the easiest and most accessible for everyone is the <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/marriott-bonvoy\/\">Marriott Bonvoy<\/a> program, which provides access to over <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/complete-map-hotels-marriott-bonvoy\/\">9,000 hotels<\/a> worldwide. It is the only hotel chain in the country that offers a credit card linked to their program, allowing you to earn points much faster. <\/p>\n<p>These Marriott Bonvoy points entitle you to free nights at the hotel!<\/p>\n<p>The best (and only with its &#8220;business&#8221; version) credit card for quickly earning hotel points is the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/marriott-bonvoy-american-express-card\/\">Marriott Bonvoy<sup><sup>&reg;<\/sup><\/sup> American Express<sup>&reg;<\/sup> Card.<\/a><\/p>\n<p>Additionally, with each annual renewal of this card, you receive a certificate for a free night at a Marriott hotel. This alone largely offsets the annual fees. <\/p>\n<p>To enroll in the Marriott Bonvoy program, get ahead by <a href=\"https:\/\/www.marriott.com\/loyalty\/createAccount\/createAccountPage1.mi\" target=\"_blank\" rel=\"noopener\">signing up for free here<\/a>.<\/p>\n<p>Then, even if you don&#8217;t have Marriott Bonvoy points, feel free to research to get an idea of the number of Marriott Bonvoy points needed for future free hotel nights.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"267909\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"275760\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bank Rewards Programs&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;bank_rewards_programs&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Financial institutions offer their own reward programs.<\/p>\n<p>At <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/desjardins-bonusdollars\/\">Desjardins<\/a>, we&#8217;ll talk about <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/use-maximise-bonusdollars-desjardins\/\">Bonidollars<\/a>, at BMO, we&#8217;ll have <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/bmo-rewards\/\">BMO Rewards<\/a>, or at American Express, you&#8217;ll find <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/membership-rewards-american-express\/\">Membership Rewards<\/a>.<\/p>\n<p>Not all points are created equal!<\/p>\n<p>They award points that can be used for:<\/p>\n<ul>\n<li>Purchase of accommodation, <a class=\"wpil_keyword_link\" title=\"All-Inclusive Travel: The Best Credit Cards for Southern Vacations Using Points\" href=\"https:\/\/milesopedia.com\/en\/guide\/experiences\/all-inclusive-best-credit-cards\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1537\">all-inclusive packages<\/a>, and other travel expenses like Airbnb;<\/li>\n<li>Credit card statement credit;<\/li>\n<li>Pay the mortgage, invest in an RRSP or <a class=\"wpil_keyword_link\" title=\"Tax-Free Savings Account (TFSA): What you need to know\" href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/tax-free-savings-account-tutorial\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1556\">TFSA<\/a>;<\/li>\n<li>Merchandise and gift cards;<\/li>\n<li>Transfers to another rewards program (generally airline or hotel).<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;links&#8221;]<\/p>\n<p>Here are the main rewards programs offering points that give you benefits, free merchandise, or a form of free travel:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/airmiles\/\">AIR MILES<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/membership-rewards-american-express\/\">American Express Membership Rewards Points<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/bmo-rewards\/\">BMO Rewards<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/programme-fidelite\/bnc-recompenses\/\">NBC Rewards<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/cibc-aventura\/\">CIBC Aventura<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/sceneplus\/\">Scene+<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/td-rewards\/\">TD Rewards<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/rbc-avion-rewards\/\">RBC Rewards<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Cash Back Programs&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;cash_back_programs&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><a target=\"_blank\" href=\"\/?p=106257\">Cash back Rewards Programs<\/a> are mainly for those who don\u2019t want to use the three previous types of programs.<\/p>\n<p>Depending on the credit card, cash back is applied directly each month to pay off the card balance, or you must wait for a specific date in the year or a certain accumulated amount to use it. Read the fine print!<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Air Miles Program and Your Goals&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;air_miles_program_and_your_goals&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>AIR MILES Cash miles contain this type of reward.<\/p>\n<p>The AIR MILES loyalty program is the most popular program in Canada, by number of members.<\/p>\n<p>It consists of two options:<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 27.9172%;\">CASH Miles<\/td>\n<td style=\"width: 72.0828%;\">Very simple: Redeem 95 CASH Miles to get a $10 discount at partner checkouts (like at Shell, for gas).<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 27.9172%;\">DREAM Miles<\/td>\n<td style=\"width: 72.0828%;\">For flights, merchandise, flight tickets, car rentals, tickets for Disney and Universal.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>It&#8217;s now possible to <a href=\"https:\/\/milesopedia.com\/en\/news\/programs\/air-miles-transfer-miles-dreams-cash\/\" target=\"_blank\" rel=\"noopener\">combine Dream and Cash miles<\/a>! This makes the program even easier to use.<\/p>\n<p>The <a target=\"_blank\" class=\"wpil_keyword_link\" title=\"AIR MILES: Is It Time to Use Your Miles? Yes!\" href=\"\/?p=231345\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1562\">AIR MILES program<\/a> was in difficulty in 2023. But since its acquisition by BMO, it has made a strong comeback with easy offers to earn miles quickly. <\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"314525\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Step 4: Earning Points&#8221; css=&#8221;&#8221; el_id=&#8221;step_4_earning_points&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Earn Points With Your Purchases&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;earn_points_with_your_purchases&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Every day, you can earn rewards <strong>through your purchases or credit card applications.<\/strong><\/p>\n<ul>\n<li>Use the right credit card in the right place and take advantage of gift cards at grocery stores or the <a class=\"wpil_keyword_link\" title=\"Save and earn points &amp; miles at gas stations\" href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/economiser-gagner-points-miles-station-service\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1551\">gas station<\/a> (a trick that involves using your credit card to buy gift cards at places where points accumulate faster)<\/li>\n<li>Shop through a loyalty program portal like the Aeroplan <a class=\"wpil_keyword_link\" title=\"How the Aeroplan eStore Works\" href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-estore-aeroplan-works\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1483\">eStore<\/a> (especially during Black Friday, long weekends with special promotions, and other events that offer more points)<\/li>\n<li>Pay your taxes or any other vendor that only accepts checks with your credit card via <a class=\"wpil_keyword_link\" title=\"How to earn points and cash back with Plastiq.com\" href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/earn-points-miles-plastiq-com\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1544\">Plastiq<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"131976,262649,303523\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Take Advantage of Credit Card Sign-up Bonuses&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;take_advantage_of_credit_card_sign-up_bonuses&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>A welcome offer from a credit card is the best way to earn points or cash back quickly.<\/p>\n<p>Even if a card is used regularly, nothing beats the joy of receiving points more easily and quickly with an offer. Otherwise, you&#8217;ll need to be patient before you buy that coveted toaster or flight ticket.<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/newsletter\/\">Subscribe to our newsletter<\/a> every Sunday morning at 7:00 a.m., to keep up to date with the latest juicy welcome offers.<\/p>\n<p>[\/vc_column_text][vc_message]Search for a credit card that meets your needs <a href=\"https:\/\/milesopedia.com\/en\/?p=131131\">with our <strong>credit card comparison tool<\/strong><\/a>. It&#8217;s simple, reliable and powerful.[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Step 5: Redeeming Your Points and Cash Back&#8221; css=&#8221;&#8221; el_id=&#8221;step_5_redeeming_your_points_and_cash_back&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>This is the fun part!<\/p>\n<p>After seeing your points accumulate in your account, it&#8217;s time to use them. Don&#8217;t hesitate to spend them as soon as you have enough for your trip. Indeed, points and programs are never immune to devaluation or changes in redemption options.  <\/p>\n<p>In short, as we often say, your points bank is not an RRSP to be used for your retirement!<\/p>\n<p>Depending on your points or program type, check out our step-by-step tutorials below on how to redeem your points.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--5 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"234061,260359,248186,333787,214598,299436\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Here are other tutorials to give you ideas on how to use your points or miles:<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='10'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--8 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"247131,194291,297014,275760,266245,358239,261101,397490\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;In a Nutshell: Earn, Use and Enjoy!&#8221; css=&#8221;&#8221; el_id=&#8221;in_a_nutshell_earn_use_and_enjoy_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Let&#8217;s recap. The essential steps in building a strategy to accumulate the most points on your credit card are:<\/p>\n<ol>\n<li>Have a clear goal;<\/li>\n<li>Define the loyalty programs needed to achieve this objective;<\/li>\n<li>Apply for selected credit cards;<\/li>\n<li>Receive points;<\/li>\n<li>Using points;<\/li>\n<li>Take a trip or enjoy cash back!<\/li>\n<\/ol>\n<p>After approximately 11 or 12 months, the card will need to be re-evaluated. Is it still relevant to you? For example:<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 237px;\">\n<tbody>\n<tr style=\"height: 47px;\">\n<td style=\"width: 25.5541%; text-align: center; height: 47px;\"><strong>Card<\/strong><\/td>\n<td style=\"width: 32.3296%; text-align: center; height: 47px;\"><strong>Benefits<\/strong><\/td>\n<td style=\"width: 20.6817%; text-align: center; height: 47px;\"><strong>Savings<\/strong><\/td>\n<td style=\"width: 21.4346%; text-align: center; height: 47px;\"><strong>Is it worth keeping? <\/strong><\/td>\n<\/tr>\n<tr style=\"height: 143px;\">\n<td style=\"width: 25.5541%; text-align: center; height: 143px;\"><a title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD Aeroplan Visa Infinite Card <\/a><\/td>\n<td style=\"width: 32.3296%; text-align: center; height: 143px;\">Free checked baggage for up to nine passengers on the booking<\/td>\n<td style=\"width: 20.6817%; text-align: center; height: 143px;\">$ 200 of baggage fees for 2 trips for the couple next year<\/td>\n<td style=\"width: 21.4346%; text-align: center; height: 143px;\">\n<p>Yes, because the annual card fee is $139.<\/p>\n<p>Savings of $71.<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 47px;\">\n<td style=\"width: 25.5541%; text-align: center; height: 47px;\"><a title=\"Tangerine Money-Back World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>* <\/a><\/td>\n<td style=\"width: 32.3296%; text-align: center; height: 47px;\">2% cash back on the categories of my choice, which I can change at any time<\/td>\n<td style=\"width: 20.6817%; text-align: center; height: 47px;\">2% on $500 worth of groceries per month ($10 rebate).<\/td>\n<td style=\"width: 21.4346%; text-align: center; height: 47px;\">\n<p>Yes. The card is free!<\/p>\n<p>$120 in your pocket every year.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25.5541%; text-align: center;\"><a title=\"CIBC Aventura<sup>&reg;<\/sup> Gold Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-aventura-gold-visa-card\/\" rel=\"noindex\">CIBC Aventura Gold Visa Card<\/a><\/td>\n<td style=\"width: 32.3296%; text-align: center;\">\n<p>4 free airport lounge visits<\/p>\n<p>Discount on <a class=\"wpil_keyword_link\" title=\"Guide to the Nexus Card and the Global Entry Program\" href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/nexus-global-entry-fast-track-frontiers\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1526\">NEXUS<\/a> membership application<\/p>\n<\/td>\n<td style=\"width: 20.6817%; text-align: center;\">No trips planned for the coming year, due to major renovations.<\/td>\n<td style=\"width: 21.4346%; text-align: center;\">\n<p>Annual fee of $139. Will not use card benefits. Accumulation no longer corresponds to the objective of saving on renovations.<\/p>\n<p>No. Card to be cancelled.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What Is the Best Credit Card?&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;what_is_the_best_credit_card_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>This is a frequently asked question in the <a class=\"thirstylink\" title=\"Facebook group travel for free (or almost...!) with your points and miles - milesopedia\" href=\"https:\/\/facebook.com\/groups\/milesopedia\">Milesopedia&#8221; facebook group <\/a>!<\/p>\n<p>If you ask me, the answer is the <a class=\"thirstylink\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" rel=\"nofollow noindex\">American Express Cobalt<sup><sup>&reg;<\/sup><\/sup> Card<\/a>!<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>It is easy to understand and offers very fast 5X points accumulation at grocery stores and restaurants. It&#8217;s the best way to start.<\/p>\n<p>During the first year of holding the <a class=\"thirstylink\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" rel=\"nofollow noindex\">American Express Cobalt<sup>MC<\/sup> Card<\/a>, it is possible to earn a potential of at least 60,000 points, or $600 in statement credit for any purchase:<\/p>\n<ul>\n<li>Each month, the card gives you a bonus of <strong>1,250 points<\/strong> once you&#8217;ve made $750 in purchases during the month.<\/li>\n<li>And if you make these $750 in purchases at a merchant allowing you to earn 5 points \/ dollar (grocery stores, restaurants, bars, convenience stores &#8211; read gift cards), you earn <strong>3,750<\/strong> points (750&nbsp;$ x 5) through your purchases.<\/li>\n<\/ul>\n<p>Ensure that the merchants you frequent accept American Express. It is more common than one might think, and here are some examples: <\/p>\n<ul>\n<li>Shell, Esso, Petro-Canada, Ultramar, Irving, 7-Eleven;<\/li>\n<li>Jean Coutu, Uniprix, Shoppers Drug Mart, <a class=\"wpil_keyword_link\" title=\"FamiliPlus from Familiprix\" href=\"https:\/\/milesopedia.com\/en\/?post_type=card_reward&#038;p=177461\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1529\">Familiprix<\/a>, Rexall, London Drugs;<\/li>\n<li>Most IGA, Metro, Adonis, Super C, March\u00e9 Richelieu, Couche-Tard, Circle K, Whole Foods, <a class=\"wpil_keyword_link\" title=\"Is it worth getting a Walmart Mastercard?\" href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/walmart-mastercards\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1508\">Walmart<\/a>, TooGoodToGo, FoodHero, FlashFood;<\/li>\n<li><a class=\"wpil_keyword_link\" title=\"8 ways to save money at Best Buy Canada\" href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/8-ways-to-save-money-best-buy-canada\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1559\">Best Buy<\/a>, Staples, Apple, Dell, The Source;<\/li>\n<li>La Cage, Les 3 Brasseurs, Poulet Rouge, Yuzu Sushi, Cora, Mikes, Starbucks, Caf\u00e9 D\u00e9p\u00f4t, McDonald&#8217;s, Five Guys, St-Hubert, Chez Ashton, etc.;<\/li>\n<li>Ikea, Hudson&#8217;s Bay, Home Depot, Canadian Tire, Dollarama, Yellow, DeSerres, Globo, Winners, SAQ, H&amp;M, Ard\u00e8ne, Amazon, <a class=\"wpil_keyword_link\" title=\"RONA: Advantages and features of the renovation stores\" href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/rona\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1485\">Rona<\/a>, etc;<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Here&#8217;s what you could do with those 60,000 points:<\/p>\n<ul>\n<li style=\"list-style-type: none; text-align: center;\"> <\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_icon icon_fontawesome=&#8221;fa fa-bed&#8221; color=&#8221;sandy_brown&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">You can convert 60,000 points into 72,000 Marriott Bonvoy points<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_icon icon_fontawesome=&#8221;fa fa-globe&#8221; color=&#8221;sky&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Use them as a $600 statement credit for travel<br \/>(flight tickets, hotels, Airbnb, car rental&#8230;)<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_icon icon_fontawesome=&#8221;fa fa-shopping-cart&#8221; color=&#8221;juicy_pink&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Use them as a $600 statement credit for any purchase<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_icon icon_fontawesome=&#8221;fa fa-plane&#8221; color=&#8221;orange&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\">Transfer them to 60,000 Aeroplan points<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Whether you prefer &#8220;<a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/book-airbnb-hotel\/\">hotels or Airbnb<\/a>&#8220;, or you book your flights directly with any airline, the <a class=\"thirstylink\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" rel=\"nofollow noindex\">American Express CobaltMC Card<\/a> is very versatile for your needs.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;49473&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_border&#8221; onclick=&#8221;zoom&#8221; css_animation=&#8221;fadeIn&#8221;]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Useful Resources&#8221; css=&#8221;&#8221; el_id=&#8221;useful_resources&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Well done! Now you understand the principles and basics of points accumulation and cash back!<\/p>\n<p>If you want to learn more, here are some ideas for articles that will help you perfect your knowledge of Reward Points! But, of course, go at your own pace and according to your needs.<\/p>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>We are often asked by the community to establish personalized strategies with credit card reward points.<\/p>\n<p>This is a delicate exercise, as everyone has:<\/p>\n<ul>\n<li>different <strong>desires<\/strong> (economy class vs. business, hotels vs. Airbnb, nature vs. urban, etc.)<\/li>\n<li>different <strong>lives<\/strong> (single vs. couple, couple vs. family, etc.)<\/li>\n<li>different <strong>flexibilities<\/strong> (time off vs retirement, salaried employees vs self-employed, etc.)<\/li>\n<li>different <strong>means<\/strong> (students vs high earners, etc.)<\/li>\n<li>different <strong>expenses<\/strong> (large <a href=\"https:\/\/milesopedia.com\/en\/guides\/tutoriels\/savings-supermarket-comparison-programs-rewards\/\" target=\"_blank\" rel=\"noopener\">grocery stores<\/a> vs. market, daycare costs, etc.)<\/li>\n<\/ul>\n<p>In short, <strong>one size does not fit all<\/strong> when it comes to credit card rewards strategies!<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Basic Rules for Reward Points&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;basic_rules_for_reward_points&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Mastering rewards and credit card programs require knowing the basic rules<em>:<\/em>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"127728,170863,130606,175297\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=&#8221;Essential Articles on Points and Travel in General&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;essential_articles_on_points_and_travel_in_general&#8221;]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"9824,88339,228290,358227\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=&#8221;Essential items for Airport Lounges&#8221; 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el_id=&#8221;the_final_word&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>All you have to do is reread, revise and try. <a href=\"https:\/\/milesopedia.com\/en\/?p=131131\" target=\"_blank\" rel=\"noopener\">Use our credit card comparison tool<\/a>!<\/p>\n<p><a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/milesopedia\">Our Facebook community<\/a> will support you if you wish. And don&#8217;t forget to sign up for our <a href=\"https:\/\/milesopedia.com\/en\/newsletter\/\">free newsletter<\/a> so you don&#8217;t miss any of our tips and offers!<\/p>\n<p>See our <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/beginner-level-credit-card-recommendations\/\" target=\"_blank\" rel=\"noopener\">best credit cards for beginners<\/a>. For those with a bit more experience, read about our <a href=\"https:\/\/milesopedia.com\/en\/guides\/strategies\/intermediate-level-credit-card-recommendations\/\" target=\"_blank\" rel=\"noopener\">best credit cards for intermediate users.<\/a><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_custom_heading text=&#8221;Get the Best Credit Card&#8221; css=&#8221;&#8221; el_id=&#8221;get_the_best_credit_card&#8221;][vc_column_text css=&#8221;&#8221;] Thanks to our expert team&#8217;s analyses, Milesopedia explains the best ways to save and earn the most points and cash back with: Our monthly ranking of the best credit card offers; Our powerful credit card comparison tool (also used by Prot\u00e9gez-Vous); Discovering the benefits of credit [&hellip;]<\/p>","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-toc.php","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"tags":[],"mc_loyalty_program":[],"class_list":["post-490588","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Credit Card Rewards | Beginner&#039;s Guide | Milesopedia<\/title>\n<meta name=\"description\" content=\"Check out Our Beginner\u2019s Guide: What Is the Best Credit Card? 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