{"id":127739,"date":"2021-01-06T19:00:00","date_gmt":"2021-01-07T00:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/what-credit-card-apply\/"},"modified":"2024-10-03T06:30:39","modified_gmt":"2024-10-03T10:30:39","slug":"what-credit-card-apply","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/what-credit-card-apply\/","title":{"rendered":"Which credit card to apply for in Canada?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading el_id=&#8221;which_credit_card_to_apply_for_in_canada_&#8221; text=&#8221;Which credit card to apply for in Canada?&#8221; google_fonts=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;there_is_no_such_thing_as_a_perfect_credit_card_&#8221; text=&#8221;There is no such thing as a perfect credit card.&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Are you looking for the best credit card available at the moment? We wish we could say that there is a perfect credit card for everyone, but this is not the case, and fortunately so!<\/p>\n<p>There is a multitude of credit card cards (there are more than 200 in <a href=\"https:\/\/milesopedia.com\/en\/carte\/\">our credit card comparator<\/a>) to suit everyone&#8217;s profile.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;different_objectives&#8221; text=&#8221;Different objectives&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Some want their credit card to open the doors of an <a target=\"_blank\" href=\"\/?page_id=90665\">airport lounge<\/a> or take them on a <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/travel\/\">trip to the end of the world<\/a>. Others prefer to get a <a target=\"_blank\" href=\"\/?page_id=90576\">cash back on their purchases each month.<\/a>[\/vc_column_text][vc_single_image image=&#8221;120457&#8243; img_size=&#8221;large&#8221; add_caption=&#8221;yes&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;different_incomes&#8221; text=&#8221;Different incomes&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]A single person with an income of $30,000 a year will necessarily have different needs than a family of four: the expenses will not be the same, nor will the desires and possibilities.<\/p>\n<p>If it is possible to travel in <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/aeroplan\/\">business class with Aeroplan points<\/a>, or to get to the end of the world when you are single, those plans become immediately complicated when you are a <a href=\"https:\/\/milesopedia.com\/en\/guide\/travelling-with-large-family-introduction\/\">family with children<\/a>!<\/p>\n<p>This makes us rethink our use of loyalty programs (or the travel classes used)![\/vc_column_text][vc_single_image image=&#8221;103582&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;different_lifestyles&#8221; text=&#8221;Different lifestyles&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]We all have different lifestyles!<\/p>\n<ul>\n<li>Do you shop frequently at <a href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/best-credit-cards-for-costco\/\">Costco<\/a>?<\/li>\n<li>Do you <a target=\"_blank\" href=\"\/?page_id=90660\">go to a restaurant a lot<\/a>?<\/li>\n<li>Do you <a target=\"_blank\" href=\"\/?p=121248\">buy gift cards in your grocery store<\/a> to collect as many points as possible?<\/li>\n<li>Do you check the flyers to get the best possible discount?<\/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='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"90435,207270\"\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><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=\"120108,131976\"\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_text el_class=&#8221;checkmarks&#8221;]You can see it <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/milesopedia\/\">in the facebook<\/a> group. Everyone has a different way of life, so it&#8217;s often impossible to say: <strong>this is the right credit card for you<\/strong>.<\/p>\n<p>Ultimately, if there is no perfect credit card. It is however possible to set up a wallet of<strong> several credit cards that will meet all your needs.<\/strong>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\"><\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;extensive_choice_in_credit_cards&#8221; text=&#8221;Extensive choice in credit cards&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]You may not realize it because you&#8217;re swimming in it every day, <strong>but we&#8217;re lucky in Canada to have so many credit card options.<\/strong><\/p>\n<p>Of course, the offer is not as diversified as for our southern neighbours, who we look at with envy, but just have a look to see what&#8217;s happening in Europe! The choice is almost non-existent![\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;your_bank_doesn_t_offer_a_good_credit_card&#8221; text=&#8221;Your bank doesn&#8217;t offer a good credit card&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Most consumers trust the products their bank or credit union offers them because it&#8217;s easier that way. Your bank or credit union may not offer you a credit card that matches your profile. Simply because you are already a &#8220;<strong>captive<\/strong>&#8221; client, often taken for granted by these institutions.<\/p>\n<p>However, <a href=\"https:\/\/milesopedia.com\/en\/carte\/\">it is not very complicated to go and compare elsewhere<\/a> and apply for a credit card from another institution.<\/p>\n<p>That&#8217;s why institutions compete with each other to win your customers. They do this by offering their <a target=\"_blank\" href=\"\/?page_id=47451\">best credit card offers<\/a> to new customers.<\/p>\n<p>Loyalty is therefore not rewarded. So allow yourself to be <strong>unfaithful<\/strong>![\/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='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"207239\"\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 el_id=&#8221;stop_being_afraid_for_your_credit_rating&#8221; text=&#8221;Stop being afraid for your credit rating&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]We can&#8217;t say it enough:<\/p>\n<ul>\n<li>pay your credit card(s) on time<\/li>\n<li>keep away from the credit limits<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;checkmarks&#8221;]If these two rules are followed, you don&#8217;t have to worry about your credit record by asking for credit cards.<\/p>\n<p><strong>Over the past ten years, Audrey and I have taken out many credit cards.<\/strong><\/p>\n<p>However, our files have remained excellent and we have had no difficulty in obtaining several mortgage financings. All the people we have met, especially <a target=\"_blank\" href=\"\/?p=8310\">in our reader meetings<\/a>, tell us the same thing![\/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=\"86318\"\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 el_id=&#8221;build_your_strategy&#8221; text=&#8221;Build YOUR strategy&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]It cannot be said often enough: to enter the world of loyalty programmes, you need to have a short-, medium- and long-term objective. It is therefore more than necessary to <a target=\"_blank\" href=\"\/?p=48677\">build a strategy that makes sense<\/a>!<\/p>\n<p>You could of course take example <a target=\"_blank\" href=\"\/?page_id=104492\">on strategies that we have established<\/a>.[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\"><\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;credit_cards_for_every_taste&#8221; text=&#8221;Credit cards for every taste&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]In <a target=\"_blank\" href=\"\/?page_id=47451\">our monthly ranking of credit card offers<\/a>, we show several <strong>types of cards offering<\/strong>:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/travel\/\">travel points<\/a> to reduce the cost of airfares, hotels, car rentals, etc.<\/li>\n<li><a target=\"_blank\" href=\"\/?page_id=90650\">hotel points for free hotel nights<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/?page_id=90576\">cashback<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/?page_id=90571\">AIR MILES miles<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/aeroplan\/\">Aeroplan points<\/a><\/li>\n<\/ul>\n<p>Each credit card in Canada is linked to a type of program to <strong>cater to a specific consumer market.<\/strong><\/p>\n<p>And within each type of loyalty program, there are several competitors!<\/p>\n<p>So, which card(s) do you need to apply for? <strong>Only you have the answer<\/strong>! We&#8217;re here &#8211; along with the <a class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"https:\/\/milesopedia.com\/en\/go\/fbgroupe\/\" rel=\"nofollow sponsored\">milesopedia community<\/a> &#8211; to help you decipher offers and programs, and let you know about welcome bonuses and other benefits offered by credit cards in Canada![\/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='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"124365\"\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 el_id=&#8221;the_cards_with_a_welcome_bonus&#8221; text=&#8221;The cards with a welcome bonus&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]You don&#8217;t need to use this type of card every day: <strong>they give you a welcome bonus that you can use as you wish.<\/strong> This bonus can be in the form of travel points, miles, hotel points, cash back.<\/p>\n<p>The most generous welcome bonuses are usually offered with the <a target=\"_blank\" href=\"\/?page_id=87847\">American Express cards<\/a>.<\/p>\n<p>Use the bonus and then keep the card or not depending on whether or not it meets your needs (you can cancel it before the first year to avoid paying the second year&#8217;s fee!).<\/p>\n<p><strong>Nothing prevents you from negotiating with the issuer when the time comes to renew, in order to earn points to keep you as a customer!<\/strong><\/p>\n<p>Here is a <a target=\"_blank\" href=\"\/?page_id=47451\">selection of the best cards with welcome bonus<\/a>:[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\"><\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;the_credit_cards_with_benefits&#8221; text=&#8221;The credit cards with benefits&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Want to cut the queues at the airport? Relax in a <a target=\"_blank\" href=\"\/?page_id=90665\">VIP lounge before your flight<\/a>? Have a status in a hotel to get free breakfast every morning? There are credit cards offering you these types of benefits.<\/p>\n<p>Like the cards offering you welcome bonuses, you could request these cards only for the benefits they provide! However, they are often cards high-end credit &#8211; and therefore high-contribution.[\/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='8'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--6 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22613,22641,105731,22672,22642,22616\"\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>\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>\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>\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>\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>\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>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;the_credit_cards_for_everyday_life&#8221; text=&#8221;The credit cards for everyday life&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]That would be your &#8220;good for everything&#8221; credit card.<\/p>\n<p>In the best of worlds, it should be a card that gives you the best return on each of your expenses. You could look at cards offering cash back, or the equivalent of a 2% return in points or miles.<\/p>\n<p>If you want to be smarter, focus on credit cards that offer bonuses by <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/by-category\/\">spending category.<\/a>[\/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='8'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,65327,22640,22637,22695\"\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>\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>\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>\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>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;the_credit_cards_with_no_annual_fee&#8221; text=&#8221;The credit cards with no annual fee&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]An often overlooked category of cards: <a target=\"_blank\" href=\"\/?page_id=90607\">credit cards with no annual fee<\/a>.<\/p>\n<p>However, this type of credit card is very important in your credit wallet, even if you don&#8217;t use it at all or very little!<\/p>\n<p>They allow you to <strong>increase your credit history from year to year without having to worry about cancelling them since they have no fees<\/strong>![\/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='8'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--5 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"116031,22687,22649,22674,22474,22625\"\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>\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>\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>\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>\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>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;conclusion&#8221; text=&#8221;Conclusion&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]As you can see, you have a wide range of choices depending on your profile and your desires.<\/p>\n<p><a href=\"https:\/\/www.facebook.com\/groups\/milesopedia\/\">Don&#8217;t hesitate to join us on the Facebook group<\/a> to discover many discussions about credit cards and savings with Reward Points![\/vc_column_text]<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]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Wondering what credit card to apply for in Canada? Here are our tips for choosing the right credit card for your needs.<\/p>","protected":false},"author":3,"featured_media":83511,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","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":""},"categories":[48137],"tags":[],"mc_loyalty_program":[],"class_list":["post-127739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy","tutorial-cards"],"acf":{"mc_approved_badge":false,"mc_card_used":null,"mc_featured_card_specific":null,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Which credit card to apply for in Canada? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Wondering what credit card to apply for in Canada? 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