{"id":131614,"date":"2026-03-14T10:31:00","date_gmt":"2026-03-14T14:31:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/how-cancel-credit-card\/"},"modified":"2026-03-14T10:39:09","modified_gmt":"2026-03-14T14:39:09","slug":"how-cancel-credit-card","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-cancel-credit-card\/","title":{"rendered":"How to Cancel a Credit Card: The Safe Way to Cancel a Credit Card in Canada"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Canceling a credit card may seem simple, but done incorrectly, it can affect your credit score and personal finances. Whether to avoid annual fees, simplify your accounts, or take advantage of a more beneficial card, it&#8217;s essential to follow the steps correctly. In this guide, you&#8217;ll discover <strong>how to cancel a credit card in Canada<\/strong>, the checks to perform beforehand, the impact on your credit file, and alternatives to protect your history and loyalty points. Following these tips will help you manage your cards intelligently while optimizing your financial strategy and rewards programs.   <\/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='1'\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=\"127728\"\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;Why Cancel a Credit Card?&#8221; css=&#8221;&#8221; el_id=&#8221;why_cancel_a_credit_card_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>There are several legitimate reasons to close a credit card:<\/p>\n<ul>\n<li><strong>High annual fees<\/strong>: some cards cost $150 or more per year, which isn&#8217;t justified if you rarely use it.<\/li>\n<li><strong>Unused cards<\/strong>: an open but rarely used card can increase fraud risk and complicate your financial management.<\/li>\n<li><strong>New, more advantageous card<\/strong>: some cards offer <a href=\"https:\/\/milesopedia.com\/en\/guides\/strategies\/tips-unlock-bonus\/\">welcome bonuses<\/a>, lower rates, or more attractive points programs.<\/li>\n<li><strong>Financial simplification<\/strong>: fewer cards make it easier to track expenses, pay balances, and plan your budget.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_message css=&#8221;&#8221;]<\/p>\n<p><strong>Example<\/strong>: you have a Mastercard with a $5,000 limit and few benefits, but you obtain an American Express card offering 50,000 welcome points. Canceling or downgrading the first card can be strategic, but you must plan carefully to protect your credit score. <\/p>\n<p>[\/vc_message][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Before taking action, it&#8217;s important to understand the consequences and properly prepare for the closure.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Checks Before Canceling a Card&#8221; css=&#8221;&#8221; el_id=&#8221;checks_before_canceling_a_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Before closing your account, you need to verify several elements to avoid costly mistakes.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Check Your Card Balance&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;check_your_card_balance&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Make sure the total balance is paid, including any interest and fees. An unpaid balance can block the closure and result in additional fees. Also check the billing date to avoid any future charges.  <\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Use or Transfer Your Points&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;use_or_transfer_your_points&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>If your card offers points or miles, use them or transfer them before closing. Otherwise, you risk losing them. For Amex cards, consult our guide on <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">Membership Rewards points transfer<\/a> to avoid losing anything.  <\/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='1'\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=\"130325\"\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_custom_heading text=&#8221;Cancel Automatic Payments&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;cancel_automatic_payments&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Check all your automatic payments: bills, subscriptions, insurance, Netflix, or cell phone. Move them to another card to avoid payment refusals and fees. <\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Points Programs to Check&#8221; css=&#8221;&#8221; el_id=&#8221;points_programs_to_check&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Before closing a credit card, it&#8217;s important to check the rewards associated with your account. Depending on the loyalty program, points may be lost when the card is canceled. In some cases, they can be transferred to a partner program, used for travel, or redeemed for statement credits.  <\/p>\n<p>Here&#8217;s how to manage your points according to the main <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/\">rewards programs<\/a> associated with credit cards in Canada.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Aeroplan&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;aeroplan&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/aeroplan\/\">Aeroplan<\/a>, points accumulated with a credit card are automatically transferred to your Aeroplan account with each monthly statement.<\/p>\n<p>Thus, once the points are deposited in your Aeroplan account, they no longer depend on your credit card. You can therefore cancel your Aeroplan credit card without losing the points already accumulated. <\/p>\n<p>Subsequently, you could decide to apply for another Aeroplan credit card, taking into account the rules related to welcome bonuses. You could also choose a card that allows you to transfer points to Aeroplan, such as certain cards from the <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/membership-rewards-american-express\/\">American Express Membership Rewards program<\/a>. <\/p>\n<p>For example, if you held the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\" aria-label=\"Carte Visa Infinite* TD&lt;sup&gt;MD&lt;\/sup&gt; A\u00e9roplan&lt;sup&gt;MD&lt;\/sup&gt;\"><span class=\"card--title-text\">TD<sup><sup>&reg;<\/sup><\/sup> Aeroplan<sup><sup>&reg;<\/sup><\/sup> Visa Infinite* Card<\/span><\/a>, you could switch to a premium card, such as the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-aeroplan-visa-infinite-privilege-card\/\" aria-label=\"Carte Visa Infinite Privil\u00e8ge* TD&lt;sup&gt;MD&lt;\/sup&gt; A\u00e9roplan&lt;sup&gt;MD&lt;\/sup&gt;\"><span class=\"card--title-text\">TD<sup><sup>&reg;<\/sup><\/sup> Aeroplan<sup><sup>&reg;<\/sup><\/sup> Visa Infinite Privilege* Card<\/span><\/a> or the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-aeroplan-reserve-card\/\" aria-label=\"Carte Prestige A\u00e9roplan&lt;sup&gt;MD&lt;\/sup&gt;* American Express&lt;sup&gt;MD&lt;\/sup&gt;\"><span class=\"card--title-text\">American Express<sup><sup>&reg;<\/sup><\/sup> Aeroplan<sup><sup>&reg;<\/sup><\/sup> Reserve Card<\/span><\/a>.<\/p>\n<p>To compare the different options, consult the <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/aeroplan\/\">best Aeroplan credit cards<\/a> currently available.<\/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='6'\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=\"108765,108763,22722,22723,100492\"\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>\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 text=&#8221;American Express Membership Rewards Points&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;american_express_membership_rewards_points&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>If you hold a card associated with the <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/membership-rewards-american-express\/\">American Express Membership Rewards program<\/a>, it&#8217;s possible to keep your points even after canceling a card. Points are linked to the Membership Rewards account, not to a specific card, and can be combined if you have multiple eligible cards. This allows you to close a card without losing your points, provided you keep at least one other card in the program.  <\/p>\n<p>Many cardholders start with a premium card offering a high welcome bonus, such as the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup><\/a>. After some time, some choose to cancel it if the benefits are no longer used regularly, such as <a href=\"https:\/\/milesopedia.com\/en\/guides\/strategies\/free-airport-lounge-access\/\">unlimited airport lounge access<\/a>, the <a href=\"https:\/\/milesopedia.com\/en\/guides\/tutoriels\/american-express-annual-travel-credit\/\">$200 annual travel credit<\/a>, and the <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/amex-platinum-card-annual-dining-credit\/\">$200 annual dining credit<\/a>. <\/p>\n<p>If you want to reduce annual fees, you can opt for a card with lower fees, such as the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> or the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>. You can also keep your points with the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/green-card-american-express\/\">American Express<sup>&reg;<\/sup> Green Card<\/a>, which has no annual fee. <\/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='7'\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=\"22616,22620,65327,22621,116031\"\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_text css=&#8221;&#8221;]<\/p>\n<p>Before canceling a card, make sure to check if you can transfer or keep your points in your Membership Rewards account. For more details, consult our complete tutorial on <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">Membership Rewards points transfer<\/a>. <\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;BMO Rewards&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;bmo_rewards&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>If you hold a card associated with the <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/bmo-rewards\/\">BMO Rewards<\/a> program, it&#8217;s possible to keep your points even after canceling a card. However, it&#8217;s recommended to plan this step before closing your account. <\/p>\n<p>For example, if you&#8217;ve accumulated points with the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\" aria-label=\"Carte Mastercard&lt;sup&gt;MD&lt;\/sup&gt;* BMO Ascend&lt;sup&gt;MD&lt;\/sup&gt; World Elite&lt;sup&gt;MD&lt;\/sup&gt;*\"><span class=\"card--title-text\">BMO Ascend<sup>\u2122<\/sup> World Elite<sup><sup>&reg;<\/sup><\/sup>* Mastercard<sup><sup>&reg;<\/sup><\/sup>*<\/span><\/a>, you could consider applying for another BMO Rewards program card before canceling your current card.<\/p>\n<p>Points can be combined in the same BMO Rewards account when multiple eligible cards are associated with the same profile. By contacting customer service, you can request that your cards be assigned to the same account, which allows you to keep your points. This process is generally done by phone and the representative will confirm that your cards share the same rewards account.  <\/p>\n<p>Several cards participate in the <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/bmo-rewards\/\">BMO Rewards<\/a> program, including:<\/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--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22672,105658,334052\"\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>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Before canceling a <a href=\"https:\/\/milesopedia.com\/en\/cards\/bmo\/\">BMO card<\/a>, make sure to keep at least one eligible card active to avoid losing accumulated points.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Marriott Bonvoy&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;marriott_bonvoy&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/marriott-bonvoy\/\">Marriott Bonvoy<\/a>, points accumulated with your credit card are automatically transferred to your Marriott Bonvoy account with each monthly statement.<\/p>\n<p>Thus, they no longer depend on your card and you can cancel your Marriott Bonvoy credit card without losing your points.<\/p>\n<p>Subsequently, you can apply for another Marriott Bonvoy card to continue accumulating points, or choose a card that allows you to transfer points to Marriott Bonvoy, such as certain cards from the <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/membership-rewards-american-express\/\">American Express Membership Rewards program<\/a>.<\/p>\n<p>To compare options, consult the <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/marriott-bonvoy-points\/\">best Marriott Bonvoy credit cards<\/a> currently available.<\/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='6'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"267909,22624\"\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>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;How to Cancel a Credit Card&#8221; css=&#8221;&#8221; el_id=&#8221;how_to_cancel_a_credit_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Here are the steps to follow to cancel a card safely:<\/p>\n<ol>\n<li><strong>Pay the full balance<\/strong> to avoid any additional fees or interest. Otherwise, use the <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/credit-card-balance-transfer\/\">balance transfer technique<\/a> with, for example, a <a title=\"CIBC Select Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a> or a <a title=\"Scotiabank Value<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-value-visa-card\/\" rel=\"noindex\">Scotia Momentum<sup><sup>&reg;<\/sup><\/sup> Visa Card<\/a>. <\/li>\n<li><strong>Contact your card issuer by phone<\/strong>. Generally, this is the official channel to close an account. <\/li>\n<li><strong>Request account closure<\/strong> and confirm the cancellation date.<\/li>\n<li><strong>Obtain written confirmation<\/strong> by email or letter. This serves as proof in case of future problems. <\/li>\n<li><strong>Destroy your card<\/strong> to prevent any accidental or fraudulent use.<\/li>\n<\/ol>\n<p>[\/vc_column_text][vc_message css=&#8221;&#8221;]<\/p>\n<p><strong>Tip<\/strong>: during your call, note the agent&#8217;s name, date, and time. This protects you in case of dispute or error. <\/p>\n<p>[\/vc_message]<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='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22521,91259,158810,22647\"\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>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Does Canceling a Card Affect Your Score?&#8221; css=&#8221;&#8221; el_id=&#8221;does_canceling_a_card_affect_your_score_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Closing a card can impact your score if you don&#8217;t plan properly. Three elements should be considered: <\/p>\n<ol>\n<li><strong>Credit history<\/strong>: the older your card, the more it contributes positively to your file. Closing the oldest one can reduce your average account age. <\/li>\n<li><strong>Credit utilization ratio<\/strong>: available credit decreases, and if you have other balances, your utilization ratio increases. Ideally, stay below 30%. <\/li>\n<li><strong>Total credit limit<\/strong>: losing a card reduces your total limit, which can affect your borrowing capacity and your score.<\/li>\n<\/ol>\n<p>[\/vc_column_text][vc_message css=&#8221;&#8221;]<\/p>\n<p><strong>Example<\/strong>: you have two cards with a $5,000 limit each and a total balance of $2,000. Your utilization ratio is 20%. If you close the oldest card ($5,000 limit), your ratio jumps to 40%, which can lower your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/101-credit-score\/\">credit score<\/a>.  <\/p>\n<p>[\/vc_message][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>To minimize the impact:<\/p>\n<ul>\n<li>Don&#8217;t close your oldest card.<\/li>\n<li>Keep your total credit utilization low.<\/li>\n<li>Check your file via <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/\">Equifax<\/a> or <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-transunion\/\">TransUnion<\/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='1'\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 text=&#8221;Alternatives to Canceling a Card&#8221; css=&#8221;&#8221; el_id=&#8221;alternatives_to_canceling_a_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Before closing, consider these options:<\/p>\n<ul>\n<li><strong>Downgrade your card<\/strong>: some cards allow you to reduce annual fees while maintaining your history.<\/li>\n<li><strong>Keep a no-fee card<\/strong> to maintain your score and available credit.<\/li>\n<li><strong>Use the card occasionally<\/strong> to keep your history active.<\/li>\n<\/ul>\n<p>These alternatives are ideal for cards offering loyalty points or benefits. They allow you to maximize your rewards and protect your financial strategy. <\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><strong>Canceling a credit card<\/strong> is simple if you follow the key steps: pay the balance, transfer points, contact the issuer, obtain confirmation, and destroy the card. Plan each step to protect your credit score and optimize your rewards. With these tips, you avoid unnecessary fees and maintain control of your <a href=\"https:\/\/milesopedia.com\/en\/guide\/101-personal-finance-canada\/\">personal finances<\/a>.  <\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;How to Cancel a Credit Card &#8211; FAQ&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;how_to_cancel_a_credit_card_-_faq&#8221;][vc_toggle title=&#8221;How do you close a credit card?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Pay the balance, contact the issuer by phone, and obtain written confirmation.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How do you deactivate a credit card?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>You can request a temporary deactivation from your issuer to block the card without closing the account.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Does closing a card affect your credit score?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Yes, especially if it&#8217;s your oldest card or if your utilization ratio increases.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Can you close a card with a balance?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>No, you must pay the balance in full before closing.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Should you destroy the card after cancellation?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Yes, to prevent any accidental use or fraud.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What should you do with accumulated points before closing?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Transfer them or use them before closing to avoid losing them.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Can you downgrade instead of closing?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Yes, some cards allow you to reduce annual fees while keeping your history and benefits.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Learn how to cancel a credit card in Canada without affecting your score. Complete guide: check balance, transfer points, contact issuer, and strategic alternatives. <\/p>","protected":false},"author":2488,"featured_media":83397,"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":[48139],"tags":[],"mc_loyalty_program":[],"class_list":["post-131614","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tutorials","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","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>How to Cancel a Credit Card in Canada: Complete Guide | Milesopedia<\/title>\n<meta name=\"description\" content=\"Learn how to cancel a credit card in Canada without harming your credit score. 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