{"id":228051,"date":"2026-03-24T08:40:00","date_gmt":"2026-03-24T12:40:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/beginner-level-credit-card-recommendations\/"},"modified":"2026-03-26T09:54:32","modified_gmt":"2026-03-26T13:54:32","slug":"beginner-level-credit-card-recommendations","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/beginner-level-credit-card-recommendations\/","title":{"rendered":"Beginner Level&nbsp;: Which Credit Card(s) Should I Apply For?"},"content":{"rendered":"\n<p>First of all, the perfect credit card does not exist. You need to have one or two additional cards in your wallet to properly <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/understand-spending-multipliers\/\">optimize your spending and points earning<\/a>. <\/p>\n\n<p>So? Which of the 200 credit cards available in Canada should you choose?<\/p>\n\n<p>Based on our analysis and personal experiences, Milesopedia readers and our <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/milesopedia\">community<\/a>, the <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">best credit cards<\/a> for <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/beginners\/\">beginners<\/a> have been chosen according to:<\/p>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>their ability to <strong>earn points quickly<\/strong><\/li>\n\n\n\n<li>their <strong>ease of use<\/strong> for beginners<\/li>\n\n\n\n<li>to <strong>become familiar<\/strong> with this new way of managing monthly expenses<\/li>\n\n\n\n<li>and to slowly <strong>learn<\/strong> how to manage a few credit card accounts<\/li>\n<\/ul><\/div>\n\n<p>In summary, here are our picks for the best credit cards to start with:<\/p>\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Card<\/th><th>Why<\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/td><td>For its very fast earning of points and its great flexibility of redemption<\/td><\/tr><tr><td><a title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a><\/td><td>For its travel insurance, guarantees and benefits<\/td><\/tr><tr><td><a title=\"Scotiabank Passport&#x2122; Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport\u2122 Visa Infinite* Card<\/a><\/td><td>It&#8217;s easy to redeem points and avoid the 2.5% foreign currency conversion fee.<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n<p>And if you have some experience with points, check out our article dedicated to the <a href=\"https:\/\/milesopedia.com\/en\/guides\/strategies\/intermediate-level-credit-card-recommendations\/\">intermediate level<\/a>! If you are an expert and accustomed to points, see the article on the <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/niveau-expert-quelles-cartes-credit-souscrire\/\" target=\"_blank\" rel=\"noopener\">Expert Level and its credit cards<\/a>.<\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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='10'\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=\"22621,401432,22509,22642\"\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>\t\t<\/div>\n\n\t\t<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-debutez-avec-cette-carte-de-credit-american-express\">Get started with this American Express credit card<\/h2>\n\n<p>It&#8217;s the perfect credit card for those who hesitate between <a target=\"_blank\" href=\"\/?p=107919\">travel points<\/a> and <a target=\"_blank\" href=\"\/?p=106257\">cash back<\/a>.<\/p>\n\n<p>Here are 8 reasons why you should have the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a> in your wallet:<\/p>\n\n<div class=\"component component__list\"><ol class=\"wp-block-list\">\n<li><strong>Earn 5X the points<\/strong> at grocery stores, restaurants and Couche-Tard\/Circle K<\/li>\n\n\n\n<li><strong>Flexibility to use points<\/strong> as you wish: cash back for all your expenses (including travel), transfer to other rewards programs such as <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/marriott-bonvoy-points\/\">Marriott Bonvoy<\/a> or <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/aeroplan\/\">Aeroplan<\/a>, use American Express <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/american-express-fixed-points-travel-program\/\">fixed chart<\/a> for flights<\/li>\n\n\n\n<li><strong>Perfect for learning<\/strong> how reward points work<\/li>\n\n\n\n<li><strong>Welcome bonus<\/strong> of 1,250 additional points per month<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/american-express-offers\/\"><strong>Regular online promotional offers<\/strong><\/a> to recoup a large part of the monthly card fee<\/li>\n\n\n\n<li><strong>Excellent customer service<\/strong> from American Express<\/li>\n\n\n\n<li><strong>No minimum income required<\/strong><\/li>\n\n\n\n<li><strong>Monthly fee<\/strong>: you can better spread your card fees over your annual budget or cancel your card if it doesn&#8217;t suit you without being charged a full annual fee<\/li>\n<\/ol><\/div>\n\n<p>A few months ago, we surveyed to find out the community\u2019s favourite fast-earning credit card (5X).<\/p>\n\n<p>Out of 247 votes, 236 chose the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>!<\/p>\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/07\/sondage-amex-cobalt-communaute\u0301-1024x954.jpg\" alt=\"Amex Cobalt Community Survey\" loading=\"lazy\" width=\"1012\" height=\"943\">\n\t\t\t<\/figure>\n\n<p>Here is an example of using points to pay off your credit card. Every purchase counts!<\/p>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Grocery<\/li>\n\n\n\n<li>Public transportation ticket<\/li>\n\n\n\n<li>All travel expenses<\/li>\n\n\n\n<li>Drugstore, etc.<\/li>\n<\/ul><\/div>\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/07\/utilisation-points-cobalt-taux-max.jpg\" alt=\"Cobalt points usage max rate\" loading=\"lazy\" width=\"988\" height=\"535\">\n\t\t\t<\/figure>\n\n<p>The myth that <a href=\"https:\/\/milesopedia.com\/en\/cards\/american-express-canada\/\">American Express<\/a> credit cards are not accepted in stores is persistent. <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/american-express-cards-acceptance-canada-quebec\/\" target=\"_blank\" rel=\"noopener\">However, this is not true<\/a>, and you can check on this site <a href=\"https:\/\/www.americanexpress.com\/fr-ca\/maps\" target=\"_blank\" rel=\"noopener\">where these cards are accepted<\/a>. Don\u2019t miss out on significant savings because of an urban legend! <\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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=\"64086\"\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<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-debutez-avec-cette-carte-de-credit-mastercard-banque-nationale\">Get started with this National Bank Mastercard credit card<\/h2>\n\n<p>As a complementary credit card, there is this great Mastercard credit card.<\/p>\n\n<p>Here are 7 reasons why you should subscribe to the <a title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/nbc-world-elite-mastercard-offer\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a>:<\/p>\n\n<div class=\"component component__list\"><ol class=\"wp-block-list\">\n<li><strong>5 X the points<\/strong> for groceries and restaurants&nbsp;;<\/li>\n\n\n\n<li><strong>Great simplicity<\/strong> in the <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/nbc-annual-travel-credit\/\">process of<\/a> obtaining the refund of $150 of travel credit each year;<\/li>\n\n\n\n<li><strong>Among the best travel <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/insurance\/\">insurances<\/a><\/strong> in the industry, offering you peace of mind;<\/li>\n\n\n\n<li><strong>Extended warranty<\/strong> on items purchased with the card for up to 2 additional years;<\/li>\n\n\n\n<li><strong>Unlimited access<\/strong> to the <a href=\"https:\/\/milesopedia.com\/en\/reviews\/airport-lounges\/national-bank-airport-lounge-montreal-trudeau\/\">National Bank VIP Lounge<\/a> at Montreal-Trudeau International Airport;<\/li>\n\n\n\n<li><strong>A <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/mastercard\/\">Mastercard<\/a>: <\/strong> perfect to use at <a href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/best-credit-cards-for-costco\/\"><strong>Costco<\/strong><\/a>;<\/li>\n\n\n\n<li>Take advantage of one of its <strong>rare welcome offers<\/strong> of the year.<\/li>\n<\/ol><\/div>\n\n<p>Here is how I used my NBC points to <a href=\"https:\/\/milesopedia.com\/en\/reviews\/hotels\/fairmont-chateau-frontenac-how-to-stay-cheap\/\" target=\"_blank\" rel=\"noopener\">make my hotel room at Ch\u00e2teau Frontenac cost less<\/a>.<\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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=\"401432\"\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<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"123585,196128,194706,170863\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n<p>This card requires a minimum individual income of $80,000 or a $150,000 household income.<\/p>\n\n<p>If you don&#8217;t meet this criterion, here&#8217;s another great option: the <a title=\"National Bank Platinum Mastercard&#xAE;\" href=\"https:\/\/milesopedia.com\/en\/go\/platinum-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank Platinum Mastercard<sup>&reg;<\/sup><\/a>.<\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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=\"194222\"\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<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-debutez-avec-cette-carte-de-credit-visa-banque-scotia\">Get started with this Scotiabank Visa credit card<\/h2>\n\n<p>Here are 6 reasons why you should subscribe to the <a title=\"Scotiabank Passport&#x2122; Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotia Passport Visa Infinite Card<\/a>:<\/p>\n\n<div class=\"component component__list\"><ol class=\"wp-block-list\">\n<li><strong>Excellent travel insurance<\/strong>;<\/li>\n\n\n\n<li><strong>Points can be redeemed<\/strong> as you wish, to pay for the trip of your choice or via Scene+ Travel by Expedia, or to pay for groceries at IGA, Sobeys, Foodland and others;<\/li>\n\n\n\n<li><b>No foreign currency conversion charges <\/b>(savings of 2.5%)&nbsp;;<\/li>\n\n\n\n<li><strong>6 free<\/strong> <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-dragonpass-works\/\" target=\"_blank\" rel=\"noopener\">VIP airport lounge passes<\/a>;<\/li>\n\n\n\n<li><strong>3 Scene+ points\/$1 purchase at grocery stores <\/strong>(IGA, Les March\u00e9s Tradition, Rachelle-B\u00e9ry and others);<\/li>\n\n\n\n<li><strong>2 Scene+ points\/$1 purchase <\/strong>for other grocery stores, restaurants, entertainment and public transport.<\/li>\n<\/ol><\/div>\n\n<p>With 35,000 Scene+ points (a value of $350), you could pay off your hotel bill, a plane ticket, or a TGV reservation as in this example:<\/p>\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/01\/scene-sncf-points-voyage-france-en-1024x637.jpg\" alt=\"SNCF travel points France FR\" loading=\"lazy\" width=\"1012\" height=\"630\">\n\t\t\t<\/figure>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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=\"248186,266245\"\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<\/aside>\n\n<p>This card requires a <strong>minimum income of $60,000<\/strong>.<\/p>\n\n<p>Another great option is available to anyone with a personal income of $12,000 or more for a card with no annual fee: the <a title=\"Scotiabank&#xAE; Scene+&#x2122; Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scene-visa-card\/\" rel=\"noindex\">Scotiabank<sup>&reg;<\/sup> Scene+\u2122 Visa* Card<\/a>.<\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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=\"22638\"\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<\/aside>\n\n<p>Here are 8 reasons why you should subscribe to the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-first-class-travel-visa-infinite-card\/\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a>?<\/p>\n\n<div class=\"component component__list\"><ol class=\"wp-block-list\">\n<li><strong>High welcome bonus;<\/strong><\/li>\n\n\n\n<li><strong>Refund of the annual fee<\/strong> for the first year <a href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/new-td-first-class-travel-offer\/\">via this welcome offer;<\/a><\/li>\n\n\n\n<li><strong>Good travel insurance;<\/strong><\/li>\n\n\n\n<li><strong>Points easily redeemable<\/strong> as a travel credit through <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/expedia-for-td-guide\/\">ExpediaforTD.com<\/a> (the best way for hotels, theme park tickets like Disney, car rentals, etc.), for purchases on Amazon, as gift cards, or for cash back;<\/li>\n\n\n\n<li><strong>8X points for travel<\/strong> booked via Expedia for TD;<\/li>\n\n\n\n<li><strong>6X points at grocery stores<\/strong> and restaurants;<\/li>\n\n\n\n<li><strong>Annual travel credit<\/strong> of $100 for reservations of $500 or more on the Expedia for TD website;<\/li>\n\n\n\n<li><strong>Anniversary bonus<\/strong> of up to 10,000 TD Rewards points.<\/li>\n<\/ol><\/div>\n\n<p>For example, with 100,000 TD points (a $500 value), you could book five free nights in Lisbon. This was during Spring Break 2023 and in an Accor hotel.<\/p>\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/07\/Lisboa-TD-rewards-924x1024.png\" alt=\"Lisboa Td Rewards\" loading=\"lazy\" width=\"924\" height=\"1024\">\n\t\t\t<\/figure>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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=\"177378,214598\"\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<\/aside>\n\n<p>This card requires a <strong>minimum income of $60,000<\/strong>.<\/p>\n\n<p>If you don&#8217;t meet these criteria, here&#8217;s another option available to everyone: the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-platinum-travel-visa-card\/\">TD Platinum Travel Visa* Card<\/a>.<\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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=\"22725\"\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<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Bottom Line<\/h2>\n\n<p>At first, choosing the best credit cards for your needs can be confusing and disorienting. First of all, it is a good idea to read the <a href=\"https:\/\/milesopedia.com\/en\/beginners-guide\/\" target=\"_blank\" rel=\"noopener\">Beginner&#8217;s Guide<\/a>. Want to find a credit card to build your credit score instead? Check out our <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-credit-cards-to-build-credit-history\/\">guide to the best cards for building a credit history<\/a>. <\/p>\n\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\n<p>Also, <strong>take screenshots of your application<\/strong>, so you can note the terms of the card offer.<\/p>\n\n<p>Happy points hunting!<\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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='10'\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=\"22621,401432,22509,22642\"\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<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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=\"228046,107919\"\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<\/aside>","protected":false},"excerpt":{"rendered":"<p>Just starting out with reward points? Here are the best cards to start with and the ones we most often recommend.<\/p>","protected":false},"author":3,"featured_media":390451,"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-228051","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy"],"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>Beginner Level : Which Credit Card(s) Should I Apply For? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Just starting out with reward points? 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