{"id":228046,"date":"2026-02-14T09:00:00","date_gmt":"2026-02-14T14:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/intermediate-level-credit-card-recommendations\/"},"modified":"2026-04-08T15:29:33","modified_gmt":"2026-04-08T19:29:33","slug":"intermediate-level-credit-card-recommendations","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/intermediate-level-credit-card-recommendations\/","title":{"rendered":"Intermediate Level: Which Credit Card(s) Should I Apply For?"},"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>Following our article on the best credit cards for beginners, it\u2019s important to remember that this is a marathon, not a sprint! Indeed, to avoid negative effects on your credit score, it\u2019s important to take things slowly at first.<\/p>\n<p>When starting, the norm is to apply for 1 or 2 credit cards every six months. Then, apply for two cards every four months when you are more used to it.<\/p>\n<p>Intermediate credit card holders are characterized by their understanding of loyalty programs and their ability to manage their cards to maximize rewards.<\/p>\n<p>This list has been compiled based on our analysis, personal experience and that of <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/milesopedia\">Milesopedia<\/a> readers. When you have experience with credit cards, these are the <a href=\"https:\/\/milesopedia.com\/en\/news\/best-business-credit-cards-for-lounge-access-and-travel-perks\/\">best cards<\/a> we recommend most often.<\/p>\n<p>We assume you already have one or two cards from the <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/beginner-level-credit-card-recommendations\/\">Beginner Level article&nbsp;: Which credit card(s) to get?<\/a> These best mid-level credit cards are for people with a little experience were chosen based on:<\/p>\n<ul>\n<li>Their <strong>profitability<\/strong><\/li>\n<li><strong>Medium- and long-term benefits<\/strong><\/li>\n<li>And the ability to earn <strong>rewards at a higher level<\/strong> than the previous ones<\/li>\n<\/ul>\n<p>In summary, here are our top picks for the best credit cards to begin this new stage:<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 112px;\">\n<thead>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.1926%; height: 24px;\">Card<\/td>\n<td style=\"width: 58.6149%; height: 24px;\">Reason<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 48px;\">\n<td style=\"width: 33.1926%; height: 18px;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/marriott-bonvoy-american-express-card\/\">Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card<\/a><\/td>\n<td style=\"width: 58.6149%; height: 18px;\">Thanks to its points that provide free nights, its welcome offer, as well as its <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/amex-marriott-bonvoy-free-night-award\/\" target=\"_blank\" rel=\"noopener\">annual Free Night Award<\/a><\/td>\n<\/tr>\n<tr style=\"height: 72px;\">\n<td style=\"width: 33.1926%; height: 22px;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td>\n<td style=\"width: 58.6149%; height: 22px;\">For its Aeroplan points, the free checked bag it offers, and its benefits that make travel easier<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.1926%; height: 24px;\"><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<td style=\"width: 58.6149%; height: 24px;\">With its best-ever welcome offer, annual $100 TD Travel Credit, and 4 free airport lounge visits<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.1926%; height: 24px;\">Bonus: <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<td style=\"width: 58.6149%; height: 24px;\">Worth noting for its high welcome offer, mobile device insurance, and easy point redemption.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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--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=\"267909,100492,438105,22724\"\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>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card&#8221; el_id=&#8221;marriott_bonvoy_american_express_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Why hold the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/marriott-bonvoy-american-express-card\/\">Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card<\/a> ?<\/p>\n<ul>\n<li><strong>Its welcome bonus<\/strong>, for which the number of points may vary depending on the current offer<\/li>\n<li>One <strong>free night<\/strong> at a Marriott Bonvoy hotel after one year of card ownership (more than offsets the $120 annual fee)<\/li>\n<li>Benefits for Marriott Bonvoy Members<\/li>\n<li><strong>No minimum income required<\/strong><\/li>\n<li>Excellent customer service from American Express<\/li>\n<\/ul>\n<p>Those bonus points are more than enough to spend a few nights near Mount Fuji in Japan!<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;433059&#8243; img_size=&#8221;large&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The myth that American Express cards are not accepted anywhere is very persistent. But it&#8217;s not true &#8211; check out our article on <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/american-express-cards-acceptance-canada-quebec\/\">where these cards are accepted<\/a>. Don&#8217;t miss out on major savings because of an urban legend.  <\/p>\n<p>[\/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=\"267909\"\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><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=\"128673,137119,66018,206750\"\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;TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card&#8221; el_id=&#8221;td_aeroplan_visa_infinite_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>To book flights with Aeroplan points, there is this very interesting card.<\/p>\n<p>Why subscribe to the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> ?<\/p>\n<ul>\n<li><strong>Aeroplan points<\/strong> can be earned starting from the first purchase made with this card<\/li>\n<li><strong>Additional points<\/strong> can be accumulated by meeting the required spending conditions<\/li>\n<li>To get one <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/aeroplan-credit-card-free-checked-bag\/\" target=\"_blank\" rel=\"noopener\">free checked bag<\/a> on Air Canada flights<\/li>\n<li>First year&#8217;s annual fee waived<\/li>\n<li>Exclusive benefits and experiences with Visa Infinite<\/li>\n<li>Optional TD Auto Club membership for roadside assistance<\/li>\n<\/ul>\n<p>For example, points earned through the welcome offer, as well as those accumulated by meeting the required conditions, allow for lower-cost travel to lounge in Mexico.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;433065&#8243; img_size=&#8221;large&#8221; css=&#8221;&#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--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=\"247773,248622\"\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><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=\"100492\"\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_custom_heading text=&#8221;Alternative&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;alternative&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> requires an annual income of at least $60,000. For a card that doesn&#8217;t require a minimum income, you can sign up for its cousin, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-aeroplan-visa-platinum-card\/\" target=\"_blank\" rel=\"noopener\">TD<sup><sup>&reg;<\/sup><\/sup> Aeroplan Visa Platinum<sup>* <\/sup>Card .<\/a> It doesn&#8217;t offer the same benefits, but at least you&#8217;ll earn Aeroplan points for future travel. <\/p>\n<p>[\/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=\"22722\"\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><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=\"108140,175297\"\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>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;TD First Class Travel Visa Infinite Card&#8221; css=&#8221;&#8221; el_id=&#8221;td_first_class_travel_visa_infinite_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <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<sup>&reg;<\/sup> First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a> is an underrated credit card that often flies under the radar. Yet, it is extremely profitable, especially with a particularly attractive welcome offer!<\/p>\n<ul>\n<li>No annual fee for the first year<\/li>\n<li><strong>TD Rewards points<\/strong> can be earned starting from the first purchases<\/li>\n<li><strong>Additional TD Rewards points<\/strong> can be accumulated by meeting the required spending conditions<\/li>\n<li>A birthday bonus equal to <span class=\"nowrap\">10%<\/span> of the TD Rewards points you have accumulated in the past year<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-use-annual-travel-credit-td-first-class-visa-infinite\/\" target=\"_blank\" rel=\"noopener\">$100 TD travel credit<\/a> per year on an accommodation or vacation package booking of at least $500 via <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/expedia-for-td-guide\/\" target=\"_blank\" rel=\"noopener\">Expedia for TD<\/a><\/li>\n<li>Free <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-dragonpass-works\/\" target=\"_blank\" rel=\"noopener\">Visa Airport Companion<\/a> Program membership plus 4 airport lounge visits per year (a <span class=\"nowrap\">$285<\/span> value)<\/li>\n<li>TD Rewards points, perfectly versatile for redeeming toward travel, exchanging for gift cards, or merchandise<\/li>\n<li>Very attractive travel and mobile device insurance.<\/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=\"214598,439342\"\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><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=\"22724\"\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 disable_element=&#8221;yes&#8221;][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"BMO Ascend\u2122 World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-world-elite-mastercard\/\" rel=\"noindex\">BMO Ascend World Elite Mastercard<\/a> requires a <strong>minimum annual income of $80,000<\/strong>.<\/p>\n<p>Here&#8217;s another option that gives you effortless free entry to airport lounges:<\/p>\n<ul>\n<li><a title=\"CIBC Aventura<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-aventura-visa-infinite-card\/\" rel=\"noindex\">CIBC Aventura<sup>&reg;<\/sup> Visa Infinite* Card<\/a> ($60,000 minimum annual income required)<\/li>\n<li><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> ($15,000 minimum annual income required)<\/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='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--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=\"153316,22689\"\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_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Why sign up for the <a title=\"Scotiabank Passport\u2122 Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Visa Infinite Passport<\/a>?<\/p>\n<ul>\n<li><strong>Up to 40,000 points<\/strong> <a class=\"wpil_keyword_link\" title=\"Exceptional offer: up to 110,000 points with the American Express Gold Rewards Card!\" href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/new-amex-gold-card-welcome-offer\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1179\">welcome bonus<\/a><\/li>\n<li><strong>6 free visits to<\/strong> <a href=\"https:\/\/milesopedia.com\/en\/guides\/strategies\/free-airport-lounge-access\/\">airport lounges<\/a><\/li>\n<li>Points with great <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/save-travel-sceneplus-points\/\" target=\"_blank\" rel=\"noopener\">travel credit<\/a> <strong>flexibility<\/strong> for travel expenses (airfare, airport parking, hotel rooms, <a href=\"https:\/\/milesopedia.com\/en\/guide\/experiences\/all-inclusive-best-credit-cards\/\">all-inclusives<\/a>, etc.)<\/li>\n<li><strong>One of the few credit cards<\/strong> that <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-foreign-currency\/\">avoid the 2.5% conversion fee<\/a> when travelling outside the country<\/li>\n<li>Earn <strong>3X Scene+ points<\/strong> on all eligible purchases at Sobeys, IGA, Safeway, Foodland, FreshCo, Voil\u00e0 by Sobeys, <a class=\"wpil_keyword_link\" title=\"IGA&nbsp;: How Voil\u00e0 par IGA works and promo code\" href=\"https:\/\/milesopedia.com\/en\/avis\/produits\/voila-iga\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1164\">Voil\u00e0 by IGA<\/a>, Voil\u00e0 by Safeway, Chalo! FreshCo, Thrifty Foods, <a class=\"wpil_keyword_link\" title=\"IGA\/Sobeys grocery stores accept American Express cards!\" href=\"https:\/\/milesopedia.com\/en\/news\/programs\/iga-grocery-american-express\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1182\">IGA<\/a> West, Les March\u00e9s Tradition, Rachelle B\u00e9ry and Co-Op.<\/li>\n<li>Earn<strong> 2X Scene+ points<\/strong> for every eligible dollar spent at grocery stores, dining or entertainment establishments, or with a public <a class=\"wpil_keyword_link\" title=\"Travelling with a large family&nbsp;: Transport | Family travel\" href=\"https:\/\/milesopedia.com\/en\/guide\/travel-with-large-family-transportation\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1168\">transportation<\/a> provider (bus, subway, taxi, and more)<\/li>\n<li>Earn one <a class=\"wpil_keyword_link\" title=\"The 6 best ways to use Scene+ points\" href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-use-scene-points\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1184\">Scene+<\/a> point per dollar spent on all other eligible purchases.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>As a follow-up to our article on <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/beginner-level-credit-card-recommendations\/\" target=\"_blank\" rel=\"noopener\">credit cards for beginners<\/a>, it is important to remember that this is a marathon, not a sprint! Indeed, to avoid any negative impact on your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/101-credit-score\/\" target=\"_blank\" rel=\"noopener\">credit score<\/a>, it\u2019s important to proceed cautiously at the beginning.<\/p>\n<p>When starting, the norm is to apply for 1 or 2 credit cards every six months. Then, apply for two cards every four months when you are more used to it.<\/p>\n<p>This list has been compiled based on our analysis, personal experience and that of <a class=\"wpil_keyword_link\" title=\"The best credit cards by category in Canada - July 2025\" href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/by-category\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1186\">Milesopedia<\/a> readers. When you have experience with credit cards, these are the <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">best cards<\/a> we recommend most often.<\/p>\n<p>We assume you already have one or two cards from the <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/beginner-level-credit-card-recommendations\/\">Beginner Level article&nbsp;: Which credit card(s) to get?<\/a> These best mid-level credit cards are for people with a little experience were chosen based on:<\/p>\n<ul>\n<li>their <strong>profitability<\/strong><\/li>\n<li><strong>medium and long term benefits<\/strong><\/li>\n<li>and the ability to earn <strong>rewards at an higher level<\/strong> than the previous ones<\/li>\n<\/ul>\n<p>In summary, here are our top picks for the best credit cards to begin this new stage:<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 112px;\">\n<thead>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.1926%; height: 24px;\">Card<\/td>\n<td style=\"width: 58.6149%; height: 24px;\">Reason<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 48px;\">\n<td style=\"width: 33.1926%; height: 18px;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/marriott-bonvoy-american-express-card\/\">Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card<\/a><\/td>\n<td style=\"width: 58.6149%; height: 18px;\">Thanks to its points that give free nights and its <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/amex-marriott-bonvoy-free-night-award\/\" target=\"_blank\" rel=\"noopener\">annual free night certificate<\/a><\/td>\n<\/tr>\n<tr style=\"height: 72px;\">\n<td style=\"width: 33.1926%; height: 22px;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td>\n<td style=\"width: 58.6149%; height: 22px;\">For its Aeroplan points and benefits that make travel easier<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.1926%; height: 24px;\"><a title=\"BMO Ascend\u2122 World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-world-elite-mastercard\/\" rel=\"noindex\">BMO Ascend World Elite Mastercard<\/a><\/td>\n<td style=\"width: 58.6149%; height: 24px;\">Gives you 5x points for every dollar spent on travel and 4 free admissions to VIP airport lounges.<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.1926%; height: 24px;\">Bonus: <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup><\/a><\/td>\n<td style=\"width: 58.6149%; height: 24px;\">For its refined travel benefits such as unlimited access to airport lounges<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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--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=\"248186,312843,80520,258298\"\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><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=\"22642\"\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_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"Scotiabank Passport\u2122 Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Visa Infinite Passport<\/a> requires a <strong>minimum annual income of $60,000<\/strong>.<\/p>\n<p>Here&#8217;s another option for avoiding conversion fees:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/offres\/cartes\/new-offer-scotiabank-gold-american-express\/\" target=\"_blank\" rel=\"noopener\">Scotiabank<sup><sup>&reg;<\/sup><\/sup> Gold American Express<sup><sup>&reg;<\/sup><\/sup> Card<\/a> ($12,000 minimum annual income required)<\/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='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=\"22640\"\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_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>If 2025 is going to be a busy travel year for you, treat yourself with <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup><\/a>. Take your travel to the next level and be a VIP wherever you are.<\/p>\n<ul>\n<li><strong>No minimum income required<\/strong> (it&#8217;s the only high-end card in <a target=\"_blank\" class=\"wpil_keyword_link\" title=\"Mandatory proof of vaccination for transportation in Canada\" href=\"\/?p=169857\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1162\">Canada<\/a> that doesn&#8217;t)<\/li>\n<li><b>Unlimited access to airport lounges<\/b> for holder and one guest<\/li>\n<li><strong>Gold status<\/strong> at <a class=\"wpil_keyword_link\" title=\"The Benefits of Hilton Honors Status\" href=\"https:\/\/milesopedia.com\/en\/rewards\/benefits-status-hilton-honors\/\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1173\">Hilton<\/a> and Marriott Bonvoy hotels<\/li>\n<li>Access to the Fine Hotels and Resorts program<\/li>\n<li>$200 Annual <a href=\"https:\/\/milesopedia.com\/en\/guides\/tutoriels\/american-express-annual-travel-credit\/\">Travel Credit<\/a><\/li>\n<li>100 credit for <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=\"1171\">NEXUS<\/a><\/li>\n<li>Transfer of points to airline and hotel partners (a good complement to the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> recommended for <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/beginner-level-credit-card-recommendations\/\">beginners<\/a>)<\/li>\n<li>Very advantageous travel insurance<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite Mastercard <\/a>is one of the newest and most underrated credit cards on the market. Its points are redeemable with Porter Airlines, and can be exchanged for flights with Porter, as well as with Air Transat for travel to Europe, for example. <\/p>\n<ul>\n<li>No annual fee for the first year<\/li>\n<li><strong>20,000 points<\/strong> after $5,000 in purchases within the first 110 days of account opening<\/li>\n<li><strong>20,000 points<\/strong>, a round-trip companion pass and <span class=\"nowrap\">$1,000<\/span> in eligible VIPorter spending after <span class=\"nowrap\">$9,000<\/span> in purchases within the first 180 days of account opening.<\/li>\n<li><strong>30,000 points<\/strong> after $18,000 in purchases within the first 365 days of account opening<\/li>\n<li>High status given automatically (VIPorter Horizon)<\/li>\n<li>Numerous travel benefits (free first checked baggage, free carry-on baggage, free seat selection, early boarding, etc.)<\/li>\n<\/ul>\n<p>This card requires a minimum annual income of $80,000. Another alternative is its little sister, the <a title=\"BMO VIPorter Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-mastercard\/\" rel=\"noindex\">BMO VIPorter Mastercard<\/a>. <\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;BMO Ascend World Elite Mastercard &#8221; css=&#8221;&#8221; el_id=&#8221;bmo_ascend_world_elite_mastercard&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Why apply for this <a title=\"BMO Ascend\u2122 World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-world-elite-mastercard\/\" rel=\"noindex\">BMO Ascend World Elite Mastercard<\/a>?<\/p>\n<ul>\n<li><strong>An attractive welcome bonus<\/strong>, for which the number of points may vary depending on the current offer;<\/li>\n<li>Annual fee waiver for the first year;<\/li>\n<li><b>Four complimentary passes per year to VIP lounges<\/b><\/li>\n<li>Points easily redeemable as <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-use-bmo-reward-points\/\" target=\"_blank\" rel=\"noopener\">travel credit for travel expenses<\/a> (airfare, airport parking, hotel rooms, all-inclusive, car rental, etc.);<\/li>\n<li>Statement credit for NEXUS membership;<\/li>\n<li>Earn <strong>5X the points<\/strong> <a href=\"https:\/\/milesopedia.com\/en\/news\/programs\/bmo-rewards-cards-use-travel-points\/\">BMO Rewards<\/a> per dollar spent on travel purchases made with the card;<\/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='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=\"22672\"\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><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=\"333787,197629\"\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;Ready to Optimize Your Credit Card Strategy?&#8221; css=&#8221;&#8221; el_id=&#8221;ready_to_optimize_your_credit_card_strategy_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Continue your learning with our <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/niveau-expert-quelles-cartes-credit-souscrire\/\" target=\"_blank\" rel=\"noopener\">expert guide<\/a>!<\/p>\n<p>But most importantly, whatever you choose, it is <strong>crucial to pay your credit card balances in full every month<\/strong>! Otherwise, all your profits will be wiped out by interest charges.<\/p>\n<p>Also, take a few minutes to carefully read all the credit card terms and conditions. These few moments of reading are important, to make sure you get your welcome offer and make it rain points! <\/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=\"228051,107919\"\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]<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--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=\"267909,100492,22724,22672\"\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 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