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Credit Cards

Learn about rewards, points, interest rates, how to apply, and how to choose the right card for you — all in one place.

5 Best Secured Credit Cards in Canada of 2022

Canada’s best secured credit cards are easier to qualify for than traditional credit cards, helping build credit history and repair bad credit.

9 Best Prepaid Credit Cards in Canada of 2023

The best prepaid credit cards are reloadable, earn rewards, have minimal fees, and allow you to make in-store purchases, pay bills online, send e-transfers, and more.

7 Best AIR MILES Credit Cards in Canada for 2023

The best AIR MILES credit cards in Canada earn points on every purchase. AIR MILES Dream Miles have an average value of 11.35 cents per mile.

19 Best Aeroplan Credit Cards in Canada for 2023

The best Aeroplan credit cards earn points for Air Canada’s loyalty program on every purchase. Aeroplan points have an average value of 2.23 cents per point.

NerdWallet Credit Card Reviews

Compare the pros, cons and perks of Canada's most popular credit cards.

Make the most of what you earn

How Stacking Credit Card Rewards Could Save You Big

Maximize your credit card rewards and earn more by using spending categories to your advantage. Double up on offers and get exclusive perks.

Rewards Cards Vs. Cash Back Cards

Should you pick a rewards credit card with points, miles or travel perks — or a flexible cash back card? It depends on your spending habits.

When Do Air Miles and Other Travel Rewards Expire?

Travel rewards from popular programs like Air Miles and Aeroplan typically expire after 18-24 months of inactivity. Make sure you don't lose your points and miles.

How to Maximize Your Use of Credit Card Points

Make the most of your credit card points by calculating the highest-value redemption option and using them before they expire.
The basics

How to Apply for a Credit Card

Before applying, decide what type of credit card you want. Then, consider your credit score, income, and the implications of your application.

How Credit Card Interest Rates Work in Canada

Interest rates can range from as low as 0% to as high as 30%, based on credit card and transaction type. Learn how to calculate and compare different types of interest rates.

How to Read Your Credit Card Statement

Credit card statements can typically be read online and include your balance, transactions, payment due date, credit limit, interest rates and more.
Your questions, answered

How Long Should I Wait Between Credit Card Applications?

How often you should apply for a new credit card depends on how many you want, but waiting about six months between applications is a good guideline.

How Is Credit Card Interest Calculated?

The amount of interest you pay depends on your card’s interest rate and your balance. You can avoid interest entirely by paying your bill in full each month.

Credit Card Minimum Payments and the Benefits of Paying More

Making only the minimum payment on a credit card keeps you in debt longer and racks up interest charges. It can also put your credit score at risk.

How Many Credit Cards Should I Have?

There’s no magic number of credit cards you should have — but spending habits, ability to pay on time and credit score will help decide.
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