{"id":137717,"date":"2025-12-31T09:20:00","date_gmt":"2025-12-31T14:20:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/news\/credit-cards-annual-credit\/"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"annual-credits","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/annual-credits\/","title":{"rendered":"Credit Cards in Canada with Annual Credits"},"content":{"rendered":"\n<p>Today, more and more Canadians are looking for <strong>credit cards offering annual credits<\/strong>. These cards reimburse part or all of the annual fees, allowing you to save while enjoying rewards. In addition, they often offer extra benefits, such as credits for subscriptions or travel. Thus, choosing the right card can maximize your savings and loyalty points. In this guide, we present the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/\">best credit cards<\/a> with annual credits in Canada and tips to make the most of these benefits.<\/p>\n\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='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"207228\"\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\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-an-annual-credit-on-a-credit-card\">What is an annual credit on a credit card?<\/h2>\n\n\n\n\n\n<p>An annual credit is an amount that the credit card reimburses each year to offset its fees. This is applied to your account once the conditions are met.<\/p>\n\n\n\n<p>For example, some cards offer credits for travel, for services like <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/nexus-global-entry-fast-track-frontiers\/\">Nexus<\/a>, or for expenses with a mobile service provider. This helps reduce the card&#8217;s real cost and allows you to use these funds for your purchases or travel.<\/p>\n\n\n\n<p>Furthermore, these annual credits can sometimes be combined with other benefits, such as <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/\">welcome offers<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/insurance\/\">insurance<\/a>, or <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/strategies-earn-cash-back\/\">cashback<\/a>. Thus, a well-utilized annual credit can significantly improve the value of your card.<\/p>\n\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='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"90597\"\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\n\n<p>For example, an eligible purchase with the <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a> offers a $150 credit. Thus, a travel expense of $327.85 comes down to only $177.85 after the credit is applied.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1600\" height=\"215\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/02\/Credit-voyage-BNC-WE.png\" alt=\"Credit Cards in Canada with Annual Credits - NBC WE Travel Credit\" class=\"wp-image-347523\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/02\/Credit-voyage-BNC-WE.png 1600w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/02\/Credit-voyage-BNC-WE-450x60.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/02\/Credit-voyage-BNC-WE-1024x137.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/02\/Credit-voyage-BNC-WE-200x27.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/02\/Credit-voyage-BNC-WE-768x103.png 768w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\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='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\n\n\n<p>Another example: the <a target=\"_blank\" title=\"TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a> offers a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/products\/8-reasons-td-first-class-travel-card\/\">$100 credit<\/a> for any accommodation booking of $500 or more. Thus, an expense of $1,081.92 comes down to $981.92 after the annual credit is applied. In my case, also using $803 in points, the net cost was only $178.92.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2208\" height=\"558\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/03\/Expedia-primes-TD.png\" alt=\"Credit Cards in Canada with Annual Credits - Expedia TD Rewards\" class=\"wp-image-427954\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/03\/Expedia-primes-TD.png 2208w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/03\/Expedia-primes-TD-450x114.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/03\/Expedia-primes-TD-1024x259.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/03\/Expedia-primes-TD-200x51.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/03\/Expedia-primes-TD-768x194.png 768w\" sizes=\"(max-width: 2208px) 100vw, 2208px\" \/><\/figure>\n\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='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\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-best-credit-cards-with-annual-credits-in-canada\">The best credit cards with annual credits in Canada<\/h2>\n\n\n\n<p>Here are some popular cards offering annual credits:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td>Issuer<\/td><td>Card<\/td><td>Annual credit<\/td><td>Details<\/td><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express<\/a><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-business-platinum-card\/\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a><\/td><td>$300<\/td><td>Indeed<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/scotiabank\/\" target=\"_blank\" rel=\"noopener\">Scotiabank<\/a><\/td><td><a target=\"_blank\" title=\"Scotiabank Passport Visa Infinite Privilege Card\" href=\"\/go\/scotiabank-passport-visa-infinite-privilege-card\/\" rel=\"noindex\">Scotiabank Visa Infinite Preferred Passport Card<\/a><\/td><td>$250<\/td><td>Travel<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express<\/a><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup><\/a><\/td><td>$200<\/td><td>Travel<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express<\/a><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup><\/a><\/td><td>$200<\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/amex-platinum-card-annual-dining-credit\/\" target=\"_blank\" rel=\"noopener\">Restaurant meals<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express<\/a><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-business-platinum-card\/\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a><\/td><td>$200<\/td><td>Dell<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express<\/a><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-business-platinum-card\/\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a><\/td><td>$200<\/td><td>Travel<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/bmo\/\">BMO<\/a><\/td><td><a class=\"thirstylink\" title=\"BMO eclipse Visa Infinite Privilege* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/bmo-eclipse-vip\/\">BMO eclipse Visa Infinite Privilege* Card<\/a><\/td><td>$200<\/td><td>1st eligible purchase of the year<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/bmo\/\">BMO<\/a><\/td><td><a class=\"thirstylink\" title=\"BMO eclipse Visa Infinite Privilege* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/bmo-eclipse-vip\/\">BMO eclipse Visa Infinite Privilege* Card<\/a><\/td><td>$200<\/td><td>Nexus<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/bmo\/\">BMO<\/a><\/td><td>\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\"><span class=\"card--title-text\">BMO Ascend World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/span><\/a><\/p>\n<\/td><td>$200<\/td><td>Nexus<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/cibc\/\">CIBC<\/a><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-aventura-visa-infinite-privilege-card\/\">CIBC Aventura<sup>&reg;<\/sup> Visa Infinite Privilege* Card<\/a><\/td><td>$200<\/td><td>Travel<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/national-bank-of-canada\/\">NBC<\/a><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<sup>&reg;<\/sup> card<\/a><\/td><td>$150<\/td><td>Travel<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express<\/a><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-business-platinum-card\/\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a><\/td><td>$120<\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/wireless-credit-amex-business-platinum-card\/\" target=\"_blank\" rel=\"noopener\">Mobile service provider<\/a> expense<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express<\/a><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-business-platinum-card\/\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a><\/td><td>$100<\/td><td>Nexus<\/td><\/tr><tr><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\"><\/a><td>American Express<\/td><td><a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Reserve Card\" href=\"\/go\/amex-aeroplan-reserve\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup>* Aeroplan<sup>&reg;<\/sup> Reserve Card<\/a><\/td><td>$100<\/td><td>Nexus<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express<\/a><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup><\/a><\/td><td>$100<\/td><td>Nexus<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express<\/a><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a><\/td><td>$100<\/td><td>Travel<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/cibc\/\">CIBC<\/a><\/td><td><a target=\"_blank\" title=\"CIBC Aventura<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"\/go\/cibc-aventura-visa-infinite-card\/\" rel=\"noindex\">CIBC Aventura<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td><td>$160<\/td><td>Nexus<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/cibc\/\">CIBC<\/a><\/td><td><a title=\"CIBC Aventura<sup>&reg;<\/sup> Gold Visa* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/cibc-aventura-gold-visa-card\/\" rel=\"noindex\">CIBC Aventura<sup>&reg;<\/sup> Gold Visa* Card<\/a><\/td><td>$160<\/td><td>Nexus<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/td\/\">TD<\/a><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-first-class-travel-visa-infinite-card\/\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td><td>$100<\/td><td>Hotel or vacation package via Expedia for TD<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/td\/\">TD<\/a><\/td><td><a target=\"_blank\" title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td><td>$100<\/td><td>Nexus<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/bmo\/\">BMO<\/a><\/td><td><a target=\"_blank\" class=\"thirstylink\" title=\"BMO eclipse Visa Infinite* Card\" href=\"\/go\/bmo-eclipse-visa-infinite\/\">BMO eclipse Visa Infinite* Card<\/a><\/td><td>$50<\/td><td>1<sup>st<\/sup> eligible purchase of the year<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-american-express\">American Express<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-american-express-gold-rewards-card\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/h3>\n\n\n\n<p>With the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a>, you receive an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/american-express-annual-travel-credit\/\" target=\"_blank\" rel=\"noopener\">annual credit<\/a> of $100 for your travels each year. First, this credit is offered shortly after you subscribe to the card. Then, a new $100 credit is granted with each renewal of your annual membership.<\/p>\n\n\n\n<p>Thus, this $100 credit virtually reduces the annual membership fee from $250 to $150.<\/p>\n\n\n\n<p>To use this annual credit, you must make an eligible travel booking through American Express Travel. For example, this includes an airline ticket, a hotel, a car rental, or a vacation package. Once the expense is fully charged to the card account, the annual credit is applied automatically.<\/p>\n\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='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=\"22620\"\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<h3 class=\"wp-block-heading\" id=\"h-american-express-platinum-card\">American Express Platinum Card<sup>&reg;<\/sup><\/h3>\n\n\n\n<p>With the <a class=\"thirstylink\" title=\"American Express Platinum Card<sup>&reg;<\/sup>\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<sup>&reg;<\/sup><\/a>, you receive an <strong>annual travel credit of $200<\/strong> each year. First, this credit is offered shortly after you subscribe to the Card. Then, a new $200 credit is granted with each renewal of your annual membership.<\/p>\n\n\n\n<p>In addition, the same principle applies to an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/amex-platinum-card-annual-dining-credit\/\" target=\"_blank\" rel=\"noopener\">annual $200 credit at an eligible restaurant<\/a>. Furthermore, a $100 Nexus credit is offered every four years.<\/p>\n\n\n\n<p>Thus, these credits totaling at least $400 reduce the annual membership fee from $699 to a net $299.<\/p>\n\n\n\n<p>To use the $200 annual travel credit, you must make an eligible booking through American Express Travel. For example, this includes an airline ticket, a hotel, a car rental, or a vacation package. Then, you must check the appropriate box when booking. Once the expense is fully charged to the Card account, the annual credit is applied automatically.<\/p>\n\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='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=\"308821\"\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\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=\"22616\"\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<h3 class=\"wp-block-heading\" id=\"h-business-platinum-card-from-american-express\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/h3>\n\n\n\n<p>With the <a target=\"_blank\" title=\"Business Platinum Card<sup>&reg;<\/sup> from American Express\" href=\"\/go\/amex-business-platinum-card\/\" rel=\"noindex\">Business Platinum Card<sup>&reg;<\/sup> from American Express<\/a>, you receive an <strong>annual travel credit of $200<\/strong> each year. First, this credit is offered shortly after you subscribe to the card. Then, a new $200 credit is granted upon renewal of your annual membership.<\/p>\n\n\n\n<p>In addition, the same principle applies to other annual credits offered. Notably, you get $120 from a mobile provider, $200 to use at Dell, $300 for Indeed, and $100 for Nexus.<\/p>\n\n\n\n<p>Thus, all these credits, which can amount to up to $820, virtually reduce the annual membership fee from $799 to practically zero.<\/p>\n\n\n\n<p>To use the $200 annual credit, you must make an eligible travel booking through American Express Travel. For example, this includes an airline ticket, a hotel, a car rental, or a vacation package. Then, you must check the appropriate box when booking. Once the expense is fully charged to the Card account, the annual credit is applied automatically.<\/p>\n\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='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=\"22613\"\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<h3 class=\"wp-block-heading\" id=\"h-american-express-aeroplan-reserve-card\">American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Reserve Card<\/h3>\n\n\n\n<p>With the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Reserve Card\" href=\"\/go\/amex-aeroplan-reserve\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup>* Reserve Card<\/a>, you get an <strong>annual $100 credit<\/strong> to reimburse Nexus membership or renewal fees at <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/nexus-global-entry-fast-track-frontiers\/\" target=\"_blank\" rel=\"noopener\">Nexus<\/a>.<\/p>\n\n\n\n<p>However, this credit is offered every 48 months. In other words, it applies each time you are eligible for your Nexus card renewal.<\/p>\n\n\n\n<p>To take advantage of this, simply charge your Nexus membership or renewal payment to your credit card. Then, the credit will automatically appear on your account after three or four days.<\/p>\n\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='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=\"108763\"\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-bmo\">BMO<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bmo-eclipse-visa-infinite-privilege-card\">BMO eclipse Visa Infinite Privilege* Card<\/h3>\n\n\n\n<p>With the <a class=\"thirstylink\" title=\"BMO eclipse Visa Infinite Privilege* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-privilege-card\/\">BMO eclipse Visa Infinite Privilege* Card<\/a>, you receive an <strong>annual $200 credit<\/strong> each year. First, this credit is offered shortly after you subscribe to the card. Then, a new $200 credit is granted upon renewal of your annual membership.<\/p>\n\n\n\n<p>In addition, this $200 credit is offered each calendar year. Thus, you can use it as you wish. Consequently, this credit reduces the annual membership fee from $499 to a net $299.<\/p>\n\n\n\n<p>To use this annual $200 credit, simply charge an eligible purchase of $200 or more to the card account. Then, the credit will automatically appear on your statement.<\/p>\n\n\n\n<p>Finally, you also get a <strong>$200 credit<\/strong> to reimburse Nexus membership or renewal fees during the first year.<\/p>\n\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='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=\"201706\"\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\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=\"105731\"\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<h3 class=\"wp-block-heading\" id=\"h-bmo-eclipse-visa-infinite-card\">BMO eclipse Visa Infinite* Card<\/h3>\n\n\n\n<p>With the <a class=\"thirstylink\" title=\"BMO eclipse Visa Infinite Privilege* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-eclipse-visa-infinite-card\/\">BMO eclipse Visa Infinite* Card<\/a>, you get an <strong>annual $50 credit<\/strong> each year. First, this credit is offered shortly after you subscribe to the card. Then, a new $50 credit is granted upon renewal of your annual membership.<\/p>\n\n\n\n<p>In addition, this $50 credit is offered each calendar year. Thus, you can use it as you wish. Consequently, this $50 credit virtually reduces the annual membership fee from $120 to $70.<\/p>\n\n\n\n<p>To use this annual $50 credit, simply charge an eligible purchase of $50 or more to the Card account. Then, the credit will automatically appear on your statement.<\/p>\n\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='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=\"105658\"\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<h3 class=\"wp-block-heading\" id=\"h-bmo-ascendmd-world-elitemd-mastercardmd\">BMO Ascend<sup>MD<\/sup> World Elite<sup>MD<\/sup>* Mastercard<sup>MD<\/sup>*<\/h3>\n\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-ascend-world-elite-mastercard\/\">BMO Ascend<sup>MD<\/sup>* Mastercard<sup>MD<\/sup> World Elite<sup>MD<\/sup>* Card<\/a>, you get a $200 credit to reimburse Nexus membership or renewal fees during the first year.<\/p>\n\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='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=\"22672\"\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-scotiabank\">Scotiabank<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-scotiabank-passport-visa-infinite-privilege-card\">Scotiabank Passport Visa Infinite Privilege* Card<\/h3>\n\n\n\n<p>Each year, the cardholder benefits from a $250 travel credit per membership year to use on <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/programs\/promo-voyage-scene-plus\/\" target=\"_blank\" rel=\"noopener\">Scene+ Travel, administered by Expedia<\/a>.<\/p>\n\n\n\n<p>In addition, this credit can be used for purchasing airline tickets. It also applies to hotel stays. Furthermore, it is valid for vehicle rentals. Finally, it can be used for travel packages worldwide.<\/p>\n\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='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=\"440514\"\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\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=\"434951\"\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-national-bank\">National Bank<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-national-bank-world-elite-mastercard\">National Bank World Elite Mastercard<\/h3>\n\n\n\n<p>With the <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a>, you benefit from an <strong>annual credit of up to $150<\/strong> each calendar year. First, this credit is offered shortly after you subscribe to the card. Then, a new credit of up to $150 is granted on January 1st.<\/p>\n\n\n\n<p>Thus, since the annual membership fee for this card is $150, this annual credit fully offsets it.<\/p>\n\n\n\n<p>To use this annual credit, you must charge certain types of eligible travel expenses to the card account. Notably, this includes:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Airport parking;<\/li>\n\n\n\n<li>Baggage fees;<\/li>\n\n\n\n<li>Seat selection;<\/li>\n\n\n\n<li>Airport lounge access;<\/li>\n\n\n\n<li>Airline ticket upgrades.<\/li>\n<\/ul><\/div>\n\n\n\n<p>Finally, to take advantage of this, you must submit a reimbursement request on the National Bank website.<\/p>\n\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='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=\"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>\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<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\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cibc\">CIBC<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cibc-aventura-visa-infinite-privilege-card\">CIBC Aventura<sup>&reg;<\/sup> Visa Infinite Privilege* card<\/h3>\n\n\n\n<p>With the <a title=\"CIBC Aventura<sup>&reg;<\/sup> Visa Infinite Privilege* card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/cibc-aventura-visa-infinite-privilege-card\/\" rel=\"noindex\">CIBC Aventura<sup>MD<\/sup> Visa Infinite Privilege* Card<\/a>, you receive an <strong>annual $200 credit<\/strong> each year. First, this credit is offered shortly after you subscribe to the card. Then, a new $200 credit is granted upon renewal of your annual membership.<\/p>\n\n\n\n<p>Thus, this $200 credit reduces the annual membership fee from $499 to a net $299.<\/p>\n\n\n\n<p>To use this credit, you must make your booking through CIBC&#8217;s travel agency. Then, the credit is applied to your account only <strong>after the trip has been completed.<\/strong><\/p>\n\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='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=\"67771\"\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<h3 class=\"wp-block-heading\" id=\"h-cibc-aventura-visa-infinite-card-and-the-cibc-aventura-gold-visa-card\">CIBC Aventura<sup>&reg;<\/sup> Visa Infinite* Card and the CIBC Aventura<sup>&reg;<\/sup> Gold Visa* Card<\/h3>\n\n\n\n<p>The <a title=\"CIBC Aventura<sup>&reg;<\/sup> Gold Visa* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/cibc-aventura-gold-visa-card\/\" rel=\"noindex\">CIBC Aventura<sup>&reg;<\/sup> Gold Visa* Card<\/a> and the <a target=\"_blank\" title=\"CIBC Aventura<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"\/go\/cibc-aventura-visa-infinite-card\/\" rel=\"noindex\">CIBC Aventura<sup>&reg;<\/sup> Visa Infinite* Card<\/a> each offer an <strong>annual $160 credit<\/strong> to reimburse Nexus membership or renewal fees at <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/nexus-global-entry-fast-track-frontiers\/\" target=\"_blank\" rel=\"noopener\">Nexus<\/a>.<\/p>\n\n\n\n<p>However, this credit is available every 48 months, meaning each time you are eligible for your Nexus card renewal.<\/p>\n\n\n\n<p>To take advantage of this, simply charge your Nexus membership or renewal payment to your credit card. Then, the credit will automatically appear on your account after three to four days.<\/p>\n\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='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--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"153316,22689\"\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><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-td\">TD<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-td-first-class-travel-visa-infinite-card\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/h3>\n\n\n\n<p>With the <a target=\"_blank\" title=\"TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, you get an <strong>annual $100 credit<\/strong> each year. First, this credit is offered shortly after you subscribe to the card. Then, a new $100 credit is granted on January 1st of each year.<\/p>\n\n\n\n<p>In addition, you will receive a <strong>$100 TD travel credit<\/strong> on the first eligible travel purchase charged to the account during a given calendar year.<\/p>\n\n\n\n<p>An eligible travel credit purchase includes:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>The purchase of a stay at a hotel, motel, tourist accommodation, or vacation rental of $500 CAD or more, made through Expedia for TD.<\/li>\n\n\n\n<li>The purchase of a vacation package of $500 CAD or more through Expedia for TD, including hotel, motel, tourist accommodation, or vacation rental and transportation.<\/li>\n<\/ul><\/div>\n\n\n\n<p>See our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/expedia-for-td-guide\/\">guide Expedia for TD<\/a> to find out how to use it.<\/p>\n\n\n\n<p>Thus, this $100 credit reduces the annual membership fee from $139 to $39.<\/p>\n\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='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\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='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=\"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>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-td-aeroplan-visa-infinite-card\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/h3>\n\n\n\n<p>The <a target=\"_blank\" title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> offers an <strong>annual $100 credit<\/strong> to reimburse Nexus membership or renewal fees at <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/nexus-global-entry-fast-track-frontiers\/\" target=\"_blank\" rel=\"noopener\">Nexus<\/a>.<\/p>\n\n\n\n<p>However, this credit is available every 48 months, meaning each time you are eligible for your Nexus card renewal.<\/p>\n\n\n\n<p>To take advantage of this, simply charge your Nexus membership or renewal payment to your credit card. Then, the credit will automatically appear on your account after three to four days.<\/p>\n\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='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=\"100492\"\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-how-to-maximize-your-annual-credits\">How to maximize your annual credits?<\/h2>\n\n\n\n<p>To make the most of your annual credits, plan your expenses and use them before the end of the billing year. For example, if your card reimburses subscriptions, make sure to register them to get the credit.<\/p>\n\n\n\n<p>In addition, some credits apply to specific purchases; prioritize these categories to maximize savings.<\/p>\n\n\n\n<p>Finally, combine your annual credits with your reward points to get a double benefit. Thus, you reduce your fees and increase the value of your cards.<\/p>\n\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='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=\"303523\"\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\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>Choosing a <strong>credit card with annual credits<\/strong> allows you to save on your fees while accumulating rewards. Furthermore, optimizing the use of these credits can transform your expenses into tangible benefits. Therefore, carefully compare cards and prioritize those that match your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/choosing-best-credit-card\/\">needs<\/a>. Thus, every dollar spent can generate additional savings and points.<\/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_an_annual_credit_on_a_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is an annual credit on a 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>It is an amount that the card reimburses each year to offset its fees or specific purchases.<\/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=\"do_all_cards_offer_an_annual_credit_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo all cards offer an annual credit?\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>No. Only certain cards include this benefit to reduce the annual cost.<\/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_to_use_an_annual_credit_effectively_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow to use an annual credit effectively?\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>Plan your eligible purchases or subscriptions before the end of the billing year.<\/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=\"do_annual_credits_expire_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo annual credits expire?\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. They must often be used before the due date or the end of the billing year.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Compare credit cards with annual credits in Canada and enjoy rewards while reducing your annual fees.<\/p>","protected":false},"author":3,"featured_media":448977,"comment_status":"closed","ping_status":"closed","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":[48139],"tags":[],"mc_loyalty_program":[741,747,700,710],"class_list":["post-137717","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tutorials","mc_loyalty_program-aeroplan-en","mc_loyalty_program-cibc-aventura-en","mc_loyalty_program-bnc-rewards","mc_loyalty_program-td-rewards","mc_market-all-of-canada","post_region-canada-en","travel_type-beginner"],"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 v27.5 (Yoast SEO v27.5) - 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