Reward credit cards are the best way to earn points and miles in Canada.
You’ll save money on travel, earn plenty of points, and improve your credit score, when you use them responsibly.
Here’s how to manage your cards responsibly so you enjoy all the benefits.
The AWP Newsletter
Fuel your adventures with points
Sign up to get your free guide. Get our newsletter with credit cards and points tips. See how easy it is to travel for nearly free.
The AWP Newsletter
Fuel your adventures with points
Sign up to get your free guide. Get our newsletter with credit cards and points tips. See how easy it is to travel for nearly free.
Always Pay in Full and On Time
You’ll get the most from your credit cards when you pay in full every month. Interest charges are high on reward cards, and carrying a balance quickly erases the value of your points.
You’ll also protect your credit score by avoiding missed payments. Set up alerts or reminders so you never miss a due date.
Protect Your Credit
You’ll need a strong credit score to get approved for the best offers. You’ll improve your score by using your cards regularly and responsibly.
Using no credit, or too little, won’t raise your score the same way.
AWP TIP
New cards might lower your score briefly, but with responsible use, it will rise over time. Learn more how credit cards impact your credit score.
Top Offers
Wondering which credit card to get next?
Our recommendations for the best credit card offers in Canada for November 2025.
Top Offers
Wondering which credit card to get next?
Our recommendations for the best credit card offers in Canada for November 2025.
Watch Your Spending
You can earn plenty of points from what you already plan to spend. Check out our guide on meeting minimum spending without overspending.
You’ll also get more value by putting everyday expenses like groceries, dining, and travel on the best everyday cards.
You’ll be most responsible if you pace and balance your new credit card applications.
Beginner’s Guide
From points newbie to booking your first trip.
Learn how easy it’s for Canadians to earn and redeem points with the best reward credit cards and programs. Make your first redemption for almost free travel in no time.
Beginner’s Guide
From points newbie to booking your first trip.
Learn how easy it’s for Canadians to earn and redeem points with the best reward credit cards and programs. Make your first redemption for almost free travel in no time.
Bottom Line
You’ll get the most from credit cards when you manage them responsibly.
Pay on time, use them for your regular spending, and pace new applications. When you do, you’ll unlock plenty of travel savings and build a stronger credit score.
