Credit cards are the best tool for earning points and miles in Canada
Used responsibly, they unlock valuable travel rewards and help grow your credit score. Used poorly, they cost more than they give back.
This guide shows how to manage credit cards responsibly, avoid costly mistakes, and maximize rewards.
The AWP Newsletter
Fuel your adventures with points
Signup to get expert guidance and the latest Canadian points and miles tips. Learn how easy it is to travel more for nearly free.
The AWP Newsletter
Fuel your adventures with points
Signup to get expert guidance and the latest Canadian points and miles tips. Learn how easy it is to travel more for nearly free.
Always Pay in Full and On Time
Rewards mean nothing if you’re paying interest. Most reward cards carry high rates, and balances erase the value of points.
Carrying a balance or missing a payment lowers your credit score. It can also can disqualify you from future welcome bonuses.
Set up electronic statements and notifications. Paying in full and on time every month is the best strategy.
Watch Your Spending
Rewards should come from your regular expenses, not extra unnecessary purchases.
Check out our guide on meeting minimum spending without overspending.
Put everyday spending like groceries, dining, and travel on your cards. Check out our Best Everyday Cards for top option.
Pace new applications carefully and balance your card applications to avoid issues with approvals.
Top Offers
Wondering which credit card to get next?
Check some of the best credit card offers in Canada.
Top Offers
Wondering which credit card to get next?
Check some of the best credit card offers in Canada.
Protect Your Credit
Your credit score is key to getting approved for the best offers.
Regular, responsible use of credit cards will also raise your score over time. Using no cards or very little credit will not build your score the same way.
AWP TIP
New cards may lower your score briefly, but with responsible use, it will rise higher.
Points Beginner’s Guide
From points newbie to booking your first trip.
Learn how easy it is for Canadians to earn points. Choose the best credit cards and programs. Make your first redemption for almost free travel.
Points Beginner’s Guide
From points newbie to booking your first trip.
Learn how easy it is for Canadians to earn points. Choose the best credit cards and programs. Make your first redemption for almost free travel.
Bottom Line
Credit cards are powerful when managed responsibly.
Pay on time, use them for regular spending, and balance applications. Done right, they unlock rewards and help grow your credit score.
