{"id":90626,"date":"2026-05-01T00:01:00","date_gmt":"2026-05-01T04:01:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/best-credit-cards-in-canada\/beginners\/"},"modified":"2026-05-09T07:28:35","modified_gmt":"2026-05-09T07:28:35","slug":"beginners","status":"publish","type":"page","link":"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/beginners\/","title":{"rendered":"The Best Credit Cards for Beginners \u2013 May 2026"},"content":{"rendered":"\n<p>These credit cards <b>are ideal for beginners.<\/b><\/p>\n\n\n<p>It is therefore recommended to keep them, year after year, to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/101-credit-score\/\">improve your credit history<\/a>.Here is a table summarizing the different offers. For more details, read on or click on the name of a card.\n\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='12'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--12 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"267909,22621,116031,22687,108765,22639,22740,22764,334052,22642,22652,22760\"\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>\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>\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<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"tangerine_money-back_credit_card\">Tangerine Money-Back Credit Card<\/h2>\n\t\t\t\t<p>The Tangerine Money-Back Credit Card has <strong>no annual fee<\/strong> and offers cash back.<\/p>\n<p>With this limited-time welcome offer, you can earn an additional <strong><span class=\"nowrap\">10%<\/span> cash back<\/strong> (up to <span class=\"nowrap\">$100<\/span>) when you spend up to <span class=\"nowrap\">$1,000<\/span> on everyday purchases during the first 2 months.<\/p>\n<p>You can choose two to three purchase categories that interest you (groceries, gas, home furnishings, renovations, recurring bills, pharmacy, etc.) to earn <strong><span class=\"nowrap\">2%<\/span> cash back <\/strong>! And there&rsquo;s no annual cash-back limit. It is one of the best credit cards for <strong>renovations<\/strong>.<\/p>\n<p>In addition, the Tangerine Mastercard offers several <strong>insurance coverages for your purchases <\/strong>:<\/p>\n<ul>\n<li>90 days purchase insurance<\/li>\n<li>One year extended warranty<\/li>\n<\/ul>\n<p>Finally, during the first 30 days you hold the card, transfer credit card balances and pay only <strong><span class=\"nowrap\">1.95%<\/span> interest on these balances for the first 6 months<\/strong>.<\/p>\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='3'\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=\"22687\"\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\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"pc_mastercard_\">PC&reg; Mastercard&reg;<\/h2>\n\t\t\t\t<p>The PC Mastercard offers a <strong>20,000 PC Optimum<sup>\u2122<\/sup> welcome bonus<\/strong> after you spend $50 in the first two months, all with <strong>no annual fee<\/strong>. It\u2019s an ideal entry-level card to start earning points within the Loblaw ecosystem. <\/p>\n<ul>\n<li><strong>1% back in points<\/strong> at Loblaw banner grocery stores, including <strong>Loblaws<sup>MD<\/sup><\/strong>, <strong>No Frills<sup>MD<\/sup><\/strong>, <strong>Real Canadian Superstore<sup>MD<\/sup><\/strong>, <strong>Maxi<sup>MD<\/sup><\/strong>, and other locations<sup>3<\/sup>.<\/li>\n<li><strong>At least 3\u00a2 <\/strong><strong> per litre <\/strong>back in points on fuel at <strong>Esso<\/strong> and <strong>Mobil<\/strong> stations<\/li>\n<li><strong>2.5% back in points<\/strong> at <strong>Shoppers Drug Mart<\/strong> and <strong>Pharmaprix<\/strong><\/li>\n<li><strong>1% back in points<\/strong> at <strong>Joe Fresh<\/strong><\/li>\n<li><strong>1% back in points<\/strong> everywhere else<\/li>\n<\/ul>\n<p>This way, you earn between <strong>1% and 3% back<\/strong> on your purchases at PC Optimum stores. Your points can then be redeemed for <strong>discounts at checkout<\/strong> or a <strong>$7 credit per 10,000 points<\/strong> applied directly to your card balance. <\/p>\n<p>With its <strong>90-day purchase assurance<\/strong>, <strong>extended warranty<\/strong>, and <strong>Mastercard Global Service<\/strong>, this card offers valuable protections for a no-annual-fee card.<\/p>\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='3'\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=\"22760\"\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\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"rogers_red_mastercard\">Rogers Red Mastercard<\/h2>\n\t\t\t\t<p>The Rogers Red Mastercard is one of the best no-annual-fee credit cards in Canada, especially for Rogers, Fido, Comwave, or Shaw customers.<\/p>\n<p>With the Rogers Red Mastercard, and by having <strong>at least one<\/strong> eligible service with Rogers, Fido, Comwave, or Shaw, you can earn <strong>2% cash back on all your eligible purchases<\/strong>.<\/p>\n<p>Additionally, you get <strong>1.5 times more cash back<\/strong> every time you redeem for eligible Rogers, Fido, Comwave or Shaw purchases, which represents cash back valued at 3%.<\/p>\n<p>Furthermore, as a Rogers Red Mastercard holder, you will get access to <strong>Roam Like Home<\/strong> for 5 days free, <strong>every year<\/strong>, for eligible Rogers mobile plans.<\/p>\n<p>If you are not a Rogers, Fido, Comwave, or Shaw customer, you will get 2% cash back on your eligible purchases in U.S. dollars and 1% cash back on all other eligible purchases.<\/p>\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='3'\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=\"22764\"\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\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"rbc_ion_visa_card\">RBC ION Visa Card<\/h2>\n\t\t\t\t<p>With the <strong>RBC ION Visa<\/strong> card, get <strong>7,000 Avion points<\/strong> upon approval<sup>^<\/sup>, worth approximately <strong>$50 in gift cards<\/strong><sup>+!<\/sup>.<\/p>\n<p>This RBC credit card <strong>with no annual fee<\/strong> lets you earn <strong>1.5X Avion points per dollar<\/strong> in the following categories<sup>1<\/sup>:<\/p>\n<ul>\n<li>Groceries<\/li>\n<li>Transit, gas, and electric vehicle charging<\/li>\n<li>Streaming, digital games, and subscriptions<\/li>\n<\/ul>\n<p>You also earn <strong>1 Avion point per dollar<\/strong> on all other eligible purchases<sup>1<\/sup>.<\/p>\n<p>Plus, save 3\u00a2 per litre on fuel at Petro-Canada and get 20% more points when you pay with an eligible linked RBC card<sup>4<\/sup>.<\/p>\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='3'\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=\"22740\"\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\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"american_express_cobalt_card\">American Express Cobalt&reg; Card<\/h2>\n\t\t\t\t<p>The American Express Cobalt<sup>&reg;<\/sup> Card is <strong>the best credit card from American Express<\/strong>, whether you want points for travel or cash back.<\/p>\n<p>The welcome bonus is distributed monthly for the first 12 months. You&rsquo;ll earn <span class=\"nowrap\">1,250<\/span> Membership Rewards points for every <span class=\"nowrap\">$750<\/span> in purchases charged to your card during the month (whether in the 1X, 2X, 3X or 5X category). That&rsquo;s up to <strong><span class=\"nowrap\">15,000<\/span> Membership Rewards points<\/strong>.<\/p>\n<p>You can easily use these points as <strong>statement credits<\/strong> for everyday or travel purchases. The value is the same for both: <span class=\"nowrap\">1,000<\/span> points = <span class=\"nowrap\">$10<\/span>.<\/p>\n<p>Alternatively, transfer them to Aeroplan points, Avios (British Airways\/Qatar Airways), Flying Blue, Marriott Bonvoy, or Hilton Honors.<\/p>\n<p>For example, with this welcome offer, if you decide to <strong>transfer your Membership Rewards points<\/strong> to a partner loyalty program, you would have the choice of earning up to:<\/p>\n<ul>\n<li>15,000 Aeroplan points<\/li>\n<li>15,000 Avios points<\/li>\n<li>15,000 Flying Blue Miles<\/li>\n<li>18,000 Marriott Bonvoy points<\/li>\n<\/ul>\n<p>With the American Express Cobalt<sup>&reg;<\/sup> Card, you can earn <strong>between 1 and 5 points per dollar: <\/strong><\/p>\n<table style=\"border-collapse: collapse;width: 100%\">\n<thead>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Category<\/td>\n<td style=\"width: 39.3858%;text-align: center\">Points per dollar<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Grocery (M\u00e9tro, IGA, Sobeys, Super C, etc.)<\/td>\n<td style=\"width: 39.3858%;text-align: center\">5<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Home food delivery<\/td>\n<td style=\"width: 39.3858%;text-align: center\">5<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Restaurants and bars<\/td>\n<td style=\"width: 39.3858%;text-align: center\">5<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Convenience stores<\/td>\n<td style=\"width: 39.3858%;text-align: center\">5<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Streaming services<\/td>\n<td style=\"width: 39.3858%;text-align: center\">3<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Service station<\/td>\n<td style=\"width: 39.3858%;text-align: center\">2<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Transport<\/td>\n<td style=\"width: 39.3858%;text-align: center\">2<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Travel<\/td>\n<td style=\"width: 39.3858%;text-align: center\">1<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 60.6142%;text-align: center\">Other<\/td>\n<td style=\"width: 39.3858%;text-align: center\">1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This is a <strong><span class=\"nowrap\">1 to 5%<\/span> return<\/strong> on all these purchases.<\/p>\n<p>For example, if you spend <span class=\"nowrap\">$1,000<\/span> per month on groceries and\/or restaurants and\/or food delivery, you\u2019ll earn $50 cash back per month, or <strong><span class=\"nowrap\">$600<\/span> cash back per year<\/strong> with this card for this category of purchases!<\/p>\n<p>And if you decide to transfer your points to other programs like Aeroplan, you could get even more value!<\/p>\n<p>In addition, this card provides excellent insurance coverage: rental car theft and damage, baggage delay, lost or stolen baggage, flight delay, <span class=\"nowrap\">$250,000<\/span> travel accident, hotel or motel burglary, Mobile Device Insurance, Purchase Security, Purchase Protection Insurance.<\/p>\n<p>Like all American Express Canada Cards, there is <strong>no minimum income requirement<\/strong>.<\/p>\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='3'\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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"american_express_green_card\">American Express&reg; Green Card<\/h2>\n\t\t\t\t<p>Do you want a cash back credit card with <strong>no annual fee<\/strong> that earns travel points? Here&rsquo;s an option for you: American Express<sup>&reg;<\/sup> Green Card.<\/p>\n<p>By signing up for the American Express<sup>&reg;<\/sup> Green Card, you can earn <strong><span class=\"nowrap\">10,000<\/span> Membership Rewards Welcome Bonus Points<\/strong> when you charge <span class=\"nowrap\">$1,000<\/span> in purchases to your Card in the first 3 months of Cardmembership. This is a <span class=\"nowrap\">$100<\/span> value for travel or any purchase on the Card.<\/p>\n<p>You can also transfer your points to airline partners (Aeroplan, British Airways Executive Club, Flying Blue, etc.) and hotel partners (Marriott Bonvoy, Hilton Honors).<\/p>\n<p>For example, with this welcome offer, if you decide to <strong>transfer your Membership Rewards points<\/strong> to a partner loyalty program, you would have the choice of earning:<\/p>\n<ul>\n<li>10,000 Aeroplan points<\/li>\n<li>10,000 Avios points<\/li>\n<li>10,000 Flying Blue Miles<\/li>\n<li>12,000 Marriott Bonvoy points<\/li>\n<\/ul>\n<p>That&rsquo;s a nice welcome bonus for a credit card with no annual fee.<\/p>\n<p>You\u2019ll also have access to online promotional offers to earn points or rebates on your purchases with this no annual fee credit card.<\/p>\n<p>Like all American Express Canada Cards, there is <strong>no minimum income requirement<\/strong>.<\/p>\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='3'\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=\"116031\"\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\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"rbc_avion_visa_infinite_card\">RBC Avion Visa Infinite Card<\/h2>\n\t\t\t\t<p>With this exceptional limited-time welcome offer, you can earn up to <strong>70,000 Avion points<\/strong> as a welcome bonus with the <strong>RBC Avion Visa Infinite Card<\/strong>!<\/p>\n<ul>\n<li>Receive <strong>35,000 points<\/strong> upon approval<\/li>\n<li><strong>20,000 additional points<\/strong> when you spend $5,000 within the first six months of account opening<\/li>\n<li><strong>15,000 points<\/strong> on your account anniversary<\/li>\n<\/ul>\n<p>You can use your Avion Rewards points to book flights with over 500 airlines or transfer them to select partner loyalty programs, such as:<\/p>\n<ul>\n<li>American Airlines AAdvantage<\/li>\n<li>The British Airways Club (and Qatar Airways Privilege Club)<\/li>\n<li>Cathay Pacific Asia Miles<\/li>\n<li>WestJet Rewards<\/li>\n<\/ul>\n<p>You can also maximize the value of your points using the <strong>Air Travel Redemption Schedule<\/strong>, which offers fixed pricing year-round based on the destination and flight type.<\/p>\n<p>Depending on your goals, this offer can represent strong value, particularly for transfers to partner programs or for using the <strong>Air Travel Redemption Schedule<\/strong>.<\/p>\n<p>With the <strong>RBC Avion Visa Infinite Card<\/strong>, you earn <strong>1.25 Avion points<\/strong> per dollar on eligible travel purchases<sup>12<\/sup> and <strong>1 point per dollar<\/strong> on all other eligible purchases<sup>2<\/sup>.<\/p>\n<p>The card also includes several insurance coverages<sup>7<\/sup>, including trip cancellation and interruption insurance, out-of-province\/country emergency medical insurance, rental vehicle collision\/loss damage insurance, and mobile device insurance.<\/p>\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='3'\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=\"22739\"\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\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"marriott_bonvoy_american_express_card\">Marriott Bonvoy&reg; American Express&reg;* Card<\/h2>\n\t\t\t\t<p>The Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card is <strong>the best credit card for free hotel nights<\/strong>.<\/p>\n<p>With this welcome offer, you can earn up to <strong>70,000 Marriott Bonvoy points<\/strong>:<\/p>\n<ul>\n<li>Earn <strong>60,000 points<\/strong> after spending a total of $3,000 on your Card within your first 3 months of Cardmembership. <\/li>\n<li>In addition, earn <strong>10,000 points<\/strong> after you spend $500 on your Card in your 13th month of Cardmembership.<\/li>\n<\/ul>\n<p>It&rsquo;s a card we recommend you keep, because each year at renewal, you&rsquo;ll get an <strong>Annual Free Night Award<\/strong> for up to 35,000 points, plus <strong>15 Elite nights<\/strong> per year, counting towards your Marriott Bonvoy Elite status.<\/p>\n<p>With this Card, you earn <strong>5 points per dollar<\/strong> on all purchases at Marriott Bonvoy properties and <strong>2 points per dollar on all other purchases<\/strong>.<\/p>\n<p>Last but not least, this Card comes with a wide range of <strong>insurance coverages<\/strong>: baggage delay, baggage loss or theft, $500,000 travel accident, flight delay, hotel\/motel burglary, rental car theft and damage, Purchase Security, Purchase Protection.<\/p>\n<p>Like all American Express Canada Cards, there is <strong>no minimum income requirement<\/strong>. <\/p>\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='3'\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<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"scotiabank_passport_visa_infinite_card\">Scotiabank Passport&trade; Visa Infinite +* Card<\/h2>\n\t\t\t\t<p>With this welcome offer for the <strong>Scotiabank Visa Infinite <sup>+*<\/sup> Passport<sup>MC<\/sup> Card<\/strong>, you get up to <strong>60,000 Scene+ points as a welcome bonus<\/strong> (a <strong>value of $600<\/strong>):<\/p>\n<ul>\n<li><strong>40,000 points<\/strong> after $2,000 in purchases within the first three months<\/li>\n<li><strong>10,000 points<\/strong> after $10,000 in purchases within the first six months<\/li>\n<li>10,000 points after $40,000 in purchases in the first year<\/li>\n<\/ul>\n<p>Then, each year, if you make at least $40,000 in purchases on the card, you&rsquo;ll earn an annual bonus of at least 10,000 points, which represents <strong>a $100 value<\/strong>.<\/p>\n<p>With the Scotiabank Visa Infinite +* Passport<sup>MD<\/sup> Card, you earn <strong>3 points per dollar spent<\/strong> at Sobeys, <strong>IGA<\/strong>, Safeway, Foodland, FreshCo, Voil\u00e0 by Sobeys, Voil\u00e0 par IGA, Voil\u00e0 by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les March\u00e9s Tradition, Rachelle B\u00e9ry and Co-Op.<\/p>\n<p>You also earn <strong>2 points per dollar spent<\/strong>, including on foreign purchases, in the following categories:<\/p>\n<ul>\n<li>Grocery shopping<\/li>\n<li>Restaurants<\/li>\n<li>Entertainment centers<\/li>\n<li>Transit<\/li>\n<\/ul>\n<p>The Scotiabank Visa Infinite +* Passport<sup>MD<\/sup> Card is an excellent Visa credit card for these types of purchases.<\/p>\n<p>These points can be used for any travel purchase at a rate of <strong>1,000 points = $10<\/strong> (flights, hotels, all-inclusive packages, and even Airbnb). You can also redeem your points as cash back with Scene+, for example, at your grocery store checkout at the same rate of <strong>1,000 points = $10<\/strong>. <\/p>\n<p>The Scotiabank Visa Infinite +* Passport<sup>MD<\/sup> Card also offers:<\/p>\n<ul>\n<li><strong>No fees for foreign currency transactions<\/strong><\/li>\n<li>6 access to VIP airport lounges<\/li>\n<li>Excellent insurance for your travels and purchases<\/li>\n<li>Concierge service<\/li>\n<li><strong>Travel with confidence with 10 GB of free GigSky global mobile data for 15 days<\/strong>, plus access to GigSky Travel Essentials for essential apps on the go.<\/li>\n<li>Cardholders also receive a free 1 GB\/15-day GigSky global mobile data package annually, plus a 20% discount on future GigSky purchases.<\/li>\n<\/ul>\n<p>We have named this credit card the <strong>Best Credit Card with No Foreign Transaction Fees<\/strong> in 2024, 2025, and 2026.<\/p>\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='3'\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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"national_bank_platinum_mastercard_\">National Bank Platinum Mastercard&reg;<\/h2>\n\t\t\t\t<p>With the <strong>National Bank Platinum Mastercard<sup>&reg;<\/sup><\/strong>, you can earn <strong>2 points per dollar<\/strong> on grocery and restaurant purchases, and <strong>1.5 points per dollar<\/strong> on gas, EV charging, recurring bills and \u00c0 la carte Travel.<\/p>\n<p>Since it is an NBC mycredit <strong>Mastercard<\/strong>, you can use it at Costco.<\/p>\n<p>Unlike the other two National Bank travel rewards cards, the National Bank Platinum Mastercard<sup>&reg;<\/sup> <strong>does not require a minimum income<\/strong>.<\/p>\n<p>What&rsquo;s more, you can take advantage of <strong>a wide range of insurances<\/strong> usually reserved for high-end credit cards:<\/p>\n<ul>\n<li>180-day Purchase protection in the event of theft or damage<\/li>\n<li>Possibility of tripling the manufacturer\u2019s warranty (up to 2 additional years)<\/li>\n<li>Trip Cancellation Insurance<\/li>\n<li>Trip Interruption Insurance<\/li>\n<li>Out-of-province hospital insurance<\/li>\n<li>Flight Delay Insurance<\/li>\n<li>Baggage insurance in case of delay, theft or loss<\/li>\n<li>Car rental insurance<\/li>\n<li>Mobile Device Insurance<\/li>\n<\/ul>\n<p>We voted the National Bank Platinum Mastercard<sup>&reg;<\/sup> as the <strong>best credit card for young professionals in 2024<\/strong>.<\/p>\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='5'\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=\"22652\"\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\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"bmo_eclipse_rise_visa_card\">BMO eclipse rise Visa* Card<\/h2>\n\t\t\t\t<p>The new BMO eclipse rise Visa* Card is a <strong>no-annual-fee<\/strong> credit card with travel points, requiring <strong>no minimum income<\/strong>.<\/p>\n<p>With this offer, you can earn up to <span class=\"nowrap\"><strong>25,000 points<\/strong><\/span> as a welcome bonus:<\/p>\n<ul>\n<li><strong>20,000 points<\/strong> after <span class=\"nowrap\">$1,500<\/span> in purchases in the first 3 months<\/li>\n<li><strong>2,500 points<\/strong> when you redeem 12,000 points with the Pay with Points option over a 12-month period<\/li>\n<li><strong>2,500 points<\/strong> when you pay the balance on time for 12 months<\/li>\n<\/ul>\n<p>What&rsquo;s more, you can benefit from an <strong>interest rate of <span class=\"nowrap\">0.99%<\/span> on balance transfers for nine months<\/strong> (a 2% balance transfer fee applies).<\/p>\n<p>With the new BMO eclipse rise Visa* Card, you earn&nbsp;:<\/p>\n<ul>\n<li><strong>5 points<\/strong> for every two dollars spent on recurring bill payments<\/li>\n<li><strong>5 points<\/strong> for every two dollars spent at the grocery store<\/li>\n<li><strong>5 points<\/strong> for every two dollars spent at restaurant and for takeaway<\/li>\n<li><strong>1 point<\/strong> per two dollars of purchases for all other purchase categories<\/li>\n<\/ul>\n<p>You can use BMO Rewards points for all travel purchases made through the <strong>agency or website of your choice<\/strong> (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.<\/p>\n<p>The new BMO eclipse rise Visa* Card also offers:<\/p>\n<ul>\n<li>Mobile Device Insurance<\/li>\n<li>Purchase Protection<\/li>\n<li>Extended warranty insurance<\/li>\n<\/ul>\n<p>Finally, enjoy <strong>three months of Instacart+ membership<\/strong> and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.<\/p>\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='3'\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=\"334052\"\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\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"scotiabank_american_express_card\">Scotiabank American Express&reg; Card<\/h2>\n\t\t\t\t<p>Scotiabank American Express<sup>&reg;<\/sup> Card is one of the best no-annual-fee credit cards in Canada. <\/p>\n<p>For a limited time, you can earn up to<strong><span class=\"nowrap\"> 5,000<\/span> points<\/strong> in the first three months, which represents <strong>a <span class=\"nowrap\">$50<\/span> value<\/strong> for travel (including Airbnb)&nbsp;:<\/p>\n<ul>\n<li><strong>2,500 Scene+ points<\/strong> after $250 spent in the first three months<\/li>\n<li><strong>2,500 Scene+ points<\/strong> after $1000 spent in the first three months<\/li>\n<\/ul>\n<p>With Scotiabank American Express<sup>&reg;<\/sup> Card, you earn <strong>3 points per dollar spent<\/strong> at Sobeys, IGA, Safeway, Foodland, FreshCo, Voil\u00e0 by Sobeys, Voil\u00e0 by IGA, Voil\u00e0 by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les March\u00e9s Tradition, Rachelle B\u00e9ry and Co-Op. <\/p>\n<p>Also, you get <strong>2 points per dollar<\/strong> for:<\/p>\n<ul>\n<li>Grocery stores<\/li>\n<li>Restaurants<\/li>\n<li>Entertainment centers<\/li>\n<li>Gas stations<\/li>\n<li>local transportation<\/li>\n<li>streaming services<\/li>\n<\/ul>\n<p>And <strong>1 point per dollar of purchase<\/strong> for all other purchases.<\/p>\n<p>These points can be used against any travel purchase (air tickets, hotels, all-inclusives and even Airbnb) or with Scene+ partners for cash back.<\/p>\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='3'\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=\"22639\"\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\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"american_express_aeroplan_card\">American Express&reg; Aeroplan&reg;* Card<\/h2>\n\t\t\t\t<p>With this welcome offer for the American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Card, you can earn up to <strong>45,000 Aeroplan points.<\/strong> Here&rsquo;s how:<\/p>\n<ul>\n<li>Earn <strong>35,000 Aeroplan points<\/strong> after charging $7,500 to your Card within the first 6 months.<\/li>\n<li>Plus, earn an additional 10,000 Aeroplan points when you spend $1,000 in the 13th month.<\/li>\n<\/ul>\n<p>With this Card, you earn <strong>2x the points<\/strong> on purchases with Air Canada and Air Canada Vacations.<\/p>\n<p>And <strong>1.5x the points <\/strong>for dining and food delivery services in Canada. Anywhere else, you will earn 1X the points.<\/p>\n<p>Enjoy your first checked bag free (up to 23kg\/50lb) for up to 9 people travelling on the same reservation on Air Canada<sup>&reg;<\/sup>* flights.<\/p>\n<p>Like all American Express Canada Cards, there is <strong>no minimum income requirement<\/strong>. <\/p>\n<p>\u00a0<\/p>\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='3'\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=\"108765\"\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\n\n<h2 class=\"wp-block-heading\" id=\"h-faq-beginners\">Frequently Asked Questions about credit cards for beginners<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about credit cards for beginners and first-time cardholders.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_best_first_credit_card_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the best first credit card in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>For most beginners, a <strong>no-fee cash-back card<\/strong> is the simplest entry point. The top picks are:<\/p><ul><li>The <strong>Tangerine Money-Back Credit Card<\/strong>, with <strong>2% cash back<\/strong> on 2 to 3 categories of your choice and a welcome bonus of up to <strong>$100<\/strong> after $1,000 in spending in the first 2 months<\/li><li>The <strong>PC Mastercard<\/strong>, with <strong>20,000 PC Optimum points<\/strong> on a small $50 spend in the first 2 months and grocery rewards at Loblaws-banner stores<\/li><li>The <strong>Rogers Red Mastercard<\/strong>, with <strong>2% cash back<\/strong> on every purchase and an effective 3% on Rogers\/Fido bills<\/li><\/ul><p>None of these cards charges an annual fee, and all three offer purchase protection plus extended warranty.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_credit_score_do_i_need_to_qualify_for_my_first_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat credit score do I need to qualify for my first credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Entry-level no-fee cards like the <strong>Tangerine Money-Back Credit Card<\/strong>, the <strong>PC Mastercard<\/strong> and the <strong>RBC ION Visa<\/strong> typically require a credit score of <strong>650 or higher<\/strong>, although some applicants have been approved with limited credit history.<\/p><p>If you have <strong>no credit history at all<\/strong> (newcomer or student), focus on:<\/p><ul><li>A <strong>secured credit card<\/strong>, where you deposit a small amount as collateral<\/li><li>A <strong>student credit card<\/strong>, with relaxed approval criteria<\/li><li>A <strong>specialty newcomer program<\/strong> that does not require a Canadian credit file<\/li><\/ul><p>Read our <a href=\"https:\/\/mp-2702.milesopedia.dev\/programme-fidelite\/points-privileges-american-express\/\">guide to building credit in Canada<\/a> for the full step-by-step process.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"should_a_beginner_choose_cash_back_or_travel_rewards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tShould a beginner choose cash back or travel rewards?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>It depends on how soon you plan to travel:<\/p><ul><li>If you mostly stay in Canada and prefer simplicity, a <strong>cash-back card<\/strong> like the Tangerine Money-Back or the Rogers Red Mastercard delivers an immediate 2% return with no learning curve<\/li><li>If you already plan international trips within the next 12 months, a <strong>flexible travel-rewards card<\/strong> like the <strong>American Express Cobalt<\/strong> (up to 5 points per dollar on groceries and dining) or the <strong>RBC ION Visa<\/strong> (1.5x points on groceries, transit and streaming) builds a useful balance faster<\/li><\/ul><p>Many beginners hold one no-fee cash-back card and one no-fee travel card simultaneously to maximize earnings without paying an annual fee.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_there_a_credit_card_with_no_annual_fee_that_still_earns_travel_points_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs there a credit card with no annual fee that still earns travel points?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes. Several no-fee cards earn quality travel points:<\/p><ul><li>The <strong>American Express Green Card<\/strong>, with a <strong>10,000 Membership Rewards<\/strong> welcome bonus on $1,000 of spending in 3 months and 1:1 transfers to Aeroplan, British Airways Avios and Marriott Bonvoy<\/li><li>The <strong>RBC ION Visa<\/strong>, with a <strong>7,000 Avion points<\/strong> welcome bonus and 1.5x points on groceries, transit and streaming<\/li><li>The <strong>BMO eclipse rise Visa<\/strong>, with up to <strong>25,000 BMO Rewards points<\/strong> redeemable for travel<\/li><li>The <strong>Scotiabank American Express Card<\/strong>, with up to <strong>5,000 Scene+ points<\/strong> ($50 value) and 2x on groceries, gas, dining and streaming<\/li><\/ul><p>Each is an ideal stepping stone before upgrading to a premium Visa Infinite or Amex Gold card.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_build_my_credit_score_with_my_first_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I build my credit score with my first card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Three simple habits make all the difference:<\/p><ul><li><strong>Pay your statement balance in full<\/strong> by the due date every month, never just the minimum<\/li><li>Keep your <strong>credit utilization below 30%<\/strong> of your limit at any given moment, meaning under $300 on a $1,000-limit card<\/li><li>Avoid <strong>multiple applications<\/strong> in a short period: each hard inquiry temporarily reduces your score by a few points<\/li><\/ul><p>After 6 to 12 months of perfect on-time payments, your score generally crosses <strong>700<\/strong> and you become eligible for premium cards like the <strong>Scotiabank Passport Visa Infinite +<\/strong> or the <strong>American Express Cobalt<\/strong>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_beginner_card_has_the_best_welcome_bonus_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich beginner card has the best welcome bonus?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Among no-fee and easy-approval cards, the strongest welcome bonuses are:<\/p><ul><li>The <strong>American Express Cobalt Card<\/strong>, with up to <strong>15,000 Membership Rewards points<\/strong> over the first year (1,250 points each month with $750 of spending)<\/li><li>The <strong>American Express Aeroplan Card<\/strong>, with up to <strong>45,000 Aeroplan points<\/strong> (35,000 with spending plus 10,000 on the first anniversary), no minimum income required<\/li><li>The <strong>RBC Avion Visa Infinite<\/strong>, with up to <strong>70,000 Avion points<\/strong> (35,000 on approval, 20,000 with spending, 15,000 on anniversary)<\/li><\/ul><p>For a true beginner with no annual fee, the <strong>PC Mastercard<\/strong> at 20,000 PC Optimum points and only $50 of spending remains the easiest welcome bonus to unlock.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_get_a_credit_card_as_a_student_or_newcomer_to_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I get a credit card as a student or newcomer to Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes. Several cards are specifically designed for thin or non-existent Canadian credit files:<\/p><ul><li>The <strong>American Express Cobalt Card<\/strong> and the <strong>American Express Aeroplan Card<\/strong> have <strong>no minimum income requirement<\/strong>, which helps students and newcomers<\/li><li>The <strong>National Bank Platinum Mastercard<\/strong> requires no minimum income and adds 180-day purchase protection<\/li><li>Most major banks offer <strong>newcomer programs<\/strong> with relaxed credit-history requirements during your first 5 years in Canada<\/li><\/ul><p>Pair the card with one or two recurring bills (cell phone, streaming subscription) and pay the full balance every month to build a clean payment record. Read our complete <a href=\"https:\/\/mp-2702.milesopedia.dev\/programme-fidelite\/points-privileges-american-express\/\">guide for newcomers and students<\/a> for additional steps.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>These credit cards are ideal for beginners. It is therefore recommended to keep them, year after year, to improve your credit history.Here is a table summarizing the different offers. For more details, read on or click on the name of a card. Frequently Asked Questions about credit cards for beginners Here are frequently asked questions [&hellip;]<\/p>","protected":false},"author":3,"featured_media":352207,"parent":207228,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-toc.php","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":""},"tags":[],"mc_loyalty_program":[],"class_list":["post-90626","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The Best Credit Cards for Beginners \u2013 May 2026 | Milesopedia<\/title>\n<meta name=\"description\" content=\"The best credit cards for beginners in May 2026. 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