{"id":252943,"date":"2025-08-29T06:20:00","date_gmt":"2025-08-29T10:20:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=252943"},"modified":"2026-05-08T16:33:43","modified_gmt":"2026-05-08T16:33:43","slug":"best-first-credit-card-young-adutls-students","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/best-first-credit-card-young-adutls-students\/","title":{"rendered":"The Best First Credit Card for Students and Young Adults 18+"},"content":{"rendered":"\n<p>Young adults and students often need their <strong>first credit card<\/strong> to start building their credit and to help them manage their finances. But above all, it&#8217;s one step closer to independence!<\/p>\n\n\n\n<p>There are several options offered by financial institutions, but some credit cards are better than others. They may offer perks and rewards, low annual fees and interest rates, as well as additional protections.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-apply-for-a-credit-card-as-a-student\">Why Apply for a Credit Card as a Student?<\/h2>\n\n\n\n\n\n<p>When you start wanting to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/build-credit-report-student\/\">build your credit history<\/a> or <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/learn-manage-budget\/\">manage your finances<\/a>, applying for a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/choosing-best-credit-card\/\">credit card<\/a> is a great tool.<\/p>\n\n\n\n<p>It&#8217;s an excellent way to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Establish a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/credit-card-to-build-credit-canada\/\">credit file;<\/a><\/li>\n\n\n\n<li>Learn how to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/personal-finance-tips-students\/\">manage expenses;<\/a><\/li>\n\n\n\n<li>Enjoy rewards and benefits at the same time!<\/li>\n<\/ul><\/div>\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=\"299217\"\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-understanding-credit-card-fees\">Understanding Credit Card Fees<\/h2>\n\n\n\n<p>Before choosing a credit card, it&#8217;s crucial to understand the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/how-to-avoid-credit-card-fees-in-canada\/\">associated fees<\/a>. Credit cards charge interest fees when the balance isn\u2019t paid in full each month, and this can take a toll on your wallet.<\/p>\n\n\n\n<p>That\u2019s why young adults should use their credit card like a debit card.<\/p>\n\n\n\n<p>In addition, some cards charge annual fees, while others may have fees for foreign transactions or cash advances.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-beginner-how-to-get-your-first-credit-card-as-a-teenager\">Beginner: How to Get Your First Credit Card as a Teenager?<\/h2>\n\n\n\n<p>Obtaining a credit card as a student in Canada is a relatively straightforward process, although requirements may vary depending on the financial institution you choose.<\/p>\n\n\n\n<p>In <a target=\"_blank\" href=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/sensibiliser-enfants-argent\/sensibiliser-adolescents-credit.html\">Canada<\/a>, the legal age for obtaining a credit card without a co-signer is 18. However, in some Canadian provinces, such as British Columbia, New Brunswick and Nova Scotia, the legal age is 19. Some credit card issuers may also require students to have a co-signer if they can&#8217;t provide proof of income.<\/p>\n\n\n\n<p>Before applying for a card, assess your financial <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/choosing-best-credit-card\/\">needs<\/a> and capabilities. Consider how you plan to use the card and your ability to pay it back. To apply, you&#8217;ll usually need to provide proof of enrolment in a post-secondary institution. This can be a copy of your student card or a letter of admission.<\/p>\n\n\n\n<p>You can <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-to-apply-for-a-credit-card-in-canada\/\">apply for a credit card<\/a> online, for example by clicking on the link for the card you&#8217;re interested in, which will take you directly to the financial institution&#8217;s website, or in person at a branch of the chosen bank.<\/p>\n\n\n\n<p>Once you&#8217;ve obtained your first card, you&#8217;ll be able to build up your credit history, and start adopting good spending and financial management habits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-importance-of-managing-your-credit-card-responsibly\">The Importance of Managing Your Credit Card Responsibly<\/h2>\n\n\n\n<p>Owning a credit card is a big responsibility. By using your card wisely, you&#8217;ll establish a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/build-credit-report-student\/\">good credit history<\/a>, which will benefit you in the future when you may want to take out a car <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/mortgages\/how-to-mortgage-affects-credit\/\">loan<\/a> or <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/mortgages\/how-to-mortgage-affects-credit\/\">mortgage<\/a>. Avoid spending more than you can repay, and always pay your balance in full to avoid interest charges.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-your-first-credit-card\">How to Choose Your First Credit Card<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-analyze-your-expenses\">Analyze Your Expenses<\/h3>\n\n\n\n<p>As a <strong>student<\/strong> or <strong>young adult<\/strong>, it&#8217;s essential to consider your spending habits, the benefits the card can provide and your goal in using it.<\/p>\n\n\n\n<p>Looking at the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/management-expenses-credit-cards\/\">expenses<\/a> in your bank account, which are the most frequent and essential?<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Payment of monthly cell phone or internet bills<\/li>\n\n\n\n<li>Grocery stores, restaurants, bars, food delivery like Uber or Skip the Dishes<\/li>\n\n\n\n<li>School supplies<\/li>\n\n\n\n<li>Gas or public transportation<\/li>\n\n\n\n<li>Paying <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/chexy-tuition-fees-strategy\/\" target=\"_blank\" rel=\"noopener\">tuition fees<\/a> (you can do this with a credit card, thanks to <a target=\"_blank\" title=\"Chexy\" href=\"\/go\/chexy\/\" rel=\"noindex\">Chexy<\/a>)<\/li>\n<\/ul><\/div>\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'\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 container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"163762,458932\"\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><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-analysis-of-promotional-offers\">Analysis of Promotional Offers<\/h3>\n\n\n\n<p>Many credit cards offer <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/exclusive-credit-card-offers-milesopedia\/\">promotions<\/a> to attract new customers, including reduced interest rates, cash back, or bonus points for new cardholders. However, reading the small print on these offers is essential, as they may have conditions or expire after a certain period.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-analysis-of-your-objectives\">Analysis of Your Objectives<\/h3>\n\n\n\n<p>Next, what do you want to do with your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/points-gift-cards-strategy\/\">rewards<\/a>? The most popular answers are:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Cash back to reduce your account balance<\/li>\n\n\n\n<li>Use them for travel<\/li>\n<\/ul><\/div>\n\n\n\n<p>Here are four of the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/students\/\"><strong>best credit cards for young people<\/strong><\/a> (students or not) in Canada, according to their needs and goals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-student-credit-card\">Best Student Credit Card<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-national-bank-mastercard\">National Bank Mastercard<\/h3>\n\n\n\n<p>For a card that&#8217;s easy to manage, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-platinum-mastercard\/\" target=\"_blank\" rel=\"noopener\">National Bank Platinum Mastercard<sup>&reg;<\/sup><\/a> is excellent for building a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/build-credit-report-student\/\">credit file. <\/a> You must be <strong>18 years old<\/strong> in Quebec or have reached the age of majority in your province of residence to get this card.<\/p>\n\n\n\n<p>According to our <a href=\"\/?p=424933\" target=\"_blank\" rel=\"noopener\">Milesopedia 2025 awards<\/a>, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-platinum-mastercard\/\">National Bank Platinum Mastercard<sup>&reg;<\/sup><\/a> also won the title of <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/young-professionals-platinum-national-bank\/\">Best Credit Card for Young Professionals<\/a>. It has an annual fee of $70, but it&#8217;s well worth it with the points it gives, its advantageous rewards program and its comprehensive insurance.<\/p>\n\n\n\n<p>What&#8217;s more, this credit card also comes with valuable <a href=\"https:\/\/www.bnc.ca\/content\/dam\/bnc\/particuliers\/pdf\/assurance\/certificat-713705-7.pdf\" target=\"_blank\" rel=\"noopener\">mobile device insurance<\/a>. So, if your cell phone or tablet purchased with this card is damaged, lost, or stolen, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/subscribe-purchase-extended-warranty\/\">warranty<\/a> covers replacement or repair, up to $1,000!<\/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=\"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<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=\"345349\"\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-visa-credit-card\">Visa Credit Card<\/h3>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-card-for-students\/\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card for Students<\/a> is the card we voted the <a href=\"\/?p=424933#meilleure_carte_de_cr_dit_pour_les_tudiants\" target=\"_blank\" rel=\"noopener\">best credit card for students in 2025.<\/a><\/p>\n\n\n\n<p>Very easy to use and understand, it offers:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>2% cash back on groceries<\/li>\n\n\n\n<li>1% on purchases of gas, electric vehicle recharging, transportation, restaurants and recurring payments (monthly Internet costs, gym membership, etc.)<\/li>\n\n\n\n<li>0.5% on all other purchases<\/li>\n<\/ul><\/div>\n\n\n\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/programme-fidelite\/cibc-aventura\/\">CIBC<\/a> also offers free membership of <a href=\"https:\/\/www.spccard.ca\/spc-plus\" target=\"_blank\" rel=\"noopener\">SPC+<\/a>. Plus, get a free 12-month trial of <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/partnership-skip-cibc\/\" target=\"_blank\" rel=\"noopener\">Skip+<\/a>.<\/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=\"22700\"\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<\/aside>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-visa-aventura-en\/\">CIBC Aventura<sup>&reg;<\/sup> Visa* Card for Students<\/a> is one of the best Visa credit cards for students with travel points. For this card, too, you must be of the age of majority in your province to apply.<\/p>\n\n\n\n<p>The best way to use Aventura points is for travel. So, with Aventura Points, go on an adventure for less!<\/p>\n\n\n\n<p>It gives 1 Aventura point:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>for every $1 spent at gas stations, grocery stores and drugstores<\/li>\n\n\n\n<li>for every $1 spent on travel purchases through the CIBC Rewards Centre website<\/li>\n\n\n\n<li>for every $2 on other purchases<\/li>\n<\/ul><\/div>\n\n\n\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/programme-fidelite\/cibc-aventura\/\">CIBC<\/a> also provides a free membership to <a href=\"https:\/\/www.spccard.ca\/spc-plus\" target=\"_blank\" rel=\"noopener\">SPC+<\/a>, which offers discounts on a ton of fashion, dining, entertainment and travel products.<\/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=\"22698\"\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'\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 container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"234061,190588\"\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><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-american-express-credit-card\">American Express Credit Card<\/h3>\n\n\n\n<p>The <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Green Card\" href=\"\/go\/amex-green\/\" rel=\"noindex\">American Express<sup><sup>&reg;<\/sup><\/sup> Green Card<\/a> is very flexible. Contrary to popular belief, it is accepted in many more shops than you might think. It\u2019s a little-known card with a lot of potential.<\/p>\n\n\n\n<p>The American Express Green Card is just as straightforward: you earn <strong>1 Membership Rewards point for every $1 spent on all purchases<\/strong>.<\/p>\n\n\n\n<p>In Quebec, you must be at least <strong>18 years old<\/strong> to apply, and the card is made from 99% recycled plastic.<\/p>\n\n\n\n<p>Then, the points can be used to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Reduce your credit card balance (1,000 points can be redeemed for $10 off your statement) on any purchase.<\/li>\n\n\n\n<li>Transfer to Aeroplan or Marriott Bonvoy, for cheaper <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/best-cards-school-trip\/\" target=\"_blank\" rel=\"noopener\">travel<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>Plus, this credit card has no annual fee!<\/p>\n\n\n\n<p>Thanks to American Express Experiences and Front Of The Line<sup>&reg;<\/sup>, cardholders get access to presale tickets for the most popular <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/book-best-concerts-shows-credit-cards\/\" target=\"_blank\" rel=\"noopener\">shows<\/a> <strong>before the general public<\/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='s'\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 container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"130154,238887\"\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><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=\"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\n<h2 class=\"wp-block-heading\" id=\"h-prepaid-card\">Prepaid Card<\/h2>\n\n\n\n<p>Please note that this type of card <strong>has no effect<\/strong> on your credit file, nor will it help to improve your credit score, as it is a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/review-carte-prepayee-vanilla-alternatives\/\">prepaid card.<\/a><\/p>\n\n\n\n<p>For someone who is just starting out or who is unsure at the outset, a prepaid card can be a good way to manage your budget. Then, when everything is under control, the next step is to move towards a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare\/credit-cards\/\">credit card.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-koho-prepaid-card\">KOHO Prepaid Card<\/h3>\n\n\n\n<p>The <a target=\"_blank\" title=\"KOHO Extra Mastercard Prepaid Card\" href=\"\/go\/koho-premium-visa-prepaid-card\/\" rel=\"noindex\">KOHO Prepaid Mastercard<sup>&reg;<\/sup> Extra Plan<\/a> is a hybrid debit\/credit card offered by Canadian fintech <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/newcomers-koho-account\/\">KOHO<\/a>, and is available to people who have reached the age of majority in their province. So, from the age of <strong>18<\/strong> in Quebec, it can be used as a:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Debit card, where you only spend what&#8217;s in the account;<\/li>\n\n\n\n<li>Credit card with cash back rewards.<\/li>\n<\/ul><\/div>\n\n\n\n<p>This card offers the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/koho-mastercard-prepaid-card-offer\/\">following benefits<\/a>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Cash back for specific purchases<\/li>\n\n\n\n<li>No interest charges<\/li>\n\n\n\n<li>Perfect for bill payment and online shopping<\/li>\n\n\n\n<li>Available on Apple Pay, Google Pay and Samsung Pay<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"koho_prepaid_mastercard_extra_plan\">KOHO Prepaid Mastercard Extra Plan<\/h2>\n\t\t\t\t<p class=\"p1\"><b>Special offer:<\/b><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Enter the code <b>KOHOMILES<\/b> when applying for your card.<\/li>\n<li class=\"li1\"><b>Get 3 months of Extra Plan for free<\/b> ($18 off per month) and <b>$20 cash back<\/b><\/li>\n<\/ul>\n<p class=\"p1\">The <b>KOHO Prepaid Mastercard with Extra Plan<\/b> (formerly KOHO Premium Prepaid Mastercard) gives you more cash back:<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">1.5% on food, drinks, groceries, and transportation<\/li>\n<li class=\"li1\">0.25% on all other purchases<\/li>\n<li class=\"li1\">Up to 5% cash back at selected partner merchants<\/li>\n<\/ul>\n<p class=\"p1\">Your funds earn <b>2.5% interest<\/b> (calculated daily, paid monthly) and are protected by CDIC. The card is also accepted at <b>Costco<\/b>.<\/p>\n<p class=\"p1\">For your travels, take advantage of <b>zero FX fees<\/b> on foreign purchases.<\/p>\n<p class=\"p1\">Choose between two payment options for the <b>Extra Plan<\/b>:<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">$18\/month, billed monthly<\/li>\n<li class=\"li1\">$144\/year, billed annually (equivalent to $12\/month)<\/li>\n<\/ul>\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='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"117031,117023,371882\"\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>\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=\"117070\"\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-which-credit-card-is-best-for-students-td-desjardins-bmo-cibc-nbc-rbc-tangerine\">Which Credit Card Is Best for Students? TD, Desjardins, BMO, CIBC, NBC, RBC, Tangerine&#8230; ?<\/h2>\n\n\n\n<p>For your <strong>first credit card<\/strong>, choose one you plan to keep long term, as this helps you <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/credit-card-to-build-credit-canada\/\">build a strong credit history<\/a>.<\/p>\n\n\n\n<p>One day, if you don&#8217;t want it anymore, simply <em>downgrade<\/em> to the no-annual-fee version. That way, you&#8217;ll keep your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/best-credit-cards-to-build-credit-history\/\" target=\"_blank\" rel=\"noopener\">history<\/a>, and your credit rating won&#8217;t be affected.<\/p>\n\n\n\n<p>You can easily get a credit card that isn\u2019t connected to the financial institution where you have your bank account. To pay off the balance, simply treat it as if it were a bill. See how to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/pay-credit-accesd-desjardins\/\" target=\"_blank\" rel=\"noopener\">pay a credit card on Acc\u00e8sD<\/a> (which is the same principle as for other banks).<\/p>\n\n\n\n<p>Whatever you choose, it&#8217;s very important to pay your credit card balances on time, every month and in <strong>full<\/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='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=\"86318\"\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-frequently-asked-questions\">Frequently Asked Questions<\/h3>\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=\"why_is_it_essential_for_a_student_or_young_adult_to_have_a_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhy is it essential for a student or young adult to have 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>Having a credit card allows you to start building a credit history, which will be beneficial for future loans, such as car loans or mortgages.<\/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_are_the_criteria_for_choosing_the_best_student_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat are the criteria for choosing the best student 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>Look at annual fees, interest rates, benefits (such as rewards programs), and credit requirements before signing up for a card. With over 200 credit cards in Canada, it&#8217;s essential to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare\/credit-cards\/\">use a credit card comparison tool<\/a> to find the one that&#8217;s right for you.<\/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_old_do_you_have_to_be_to_get_your_first_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow old do you have to be to get your 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>You must be of legal age in your province of residence (i.e. 18 or 19 in Canada) to have a credit 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=\"can_i_get_a_credit_card_when_i_apos_m_16_or_17_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I get a credit card when I&apos;m 16 or 17?\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&#8217;s not possible for a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/minimum-age-teenager-additional-credit-card\/\" target=\"_blank\" rel=\"noopener\">teenager<\/a> to have a credit card. You must be of legal age in your province of residence (i.e. 18 or 19 in Canada) to have a credit card.<\/p>\n<p>The option is to have an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/minimum-age-teenager-additional-credit-card\/\" target=\"_blank\" rel=\"noopener\">additional credit card<\/a>, thanks to a relative who already has a credit 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=\"can_a_credit_card_be_issued_to_a_teenager_under_18_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan a credit card be issued to a teenager under 18?\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>In order to own a credit card, you must have reached the age of majority in your province.<\/p>\n\n\n\n<p>However, a student or teenager aged 17 or under can be an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-to-add-supplementary-credit-card\/\" target=\"_blank\" rel=\"noopener\">additional cardholder<\/a> and thus have a secondary card on a parent&#8217;s credit card account.<\/p>\n\n\n\n<p>See our article on <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/minimum-age-teenager-additional-credit-card\/\" target=\"_blank\" rel=\"noopener\">Minimum age for a teenager to have an additional credit card<\/a>. The age can vary from 12 and over to no minimum age, depending on the financial institution.<\/p>\n\n\n\n<p>The disadvantage is that he or she will not build a credit history. What&#8217;s more, parents will have to keep a close eye on their children&#8217;s transactions, since they&#8217;ll be responsible for all payments!<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-go-further-with-membership-rewards\">Go further with American Express Membership Rewards<\/h2>\n\n\n\n<p>To maximize your Membership Rewards earning, check our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">complete American Express Membership Rewards program guide<\/a> and our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/membership-rewards\/\">best American Express Membership Rewards credit cards ranking<\/a>, updated monthly by the Milesopedia team.<\/p>","protected":false},"excerpt":{"rendered":"<p>Here\u2019s how to choose a first credit card for young adults aged 18 and over, to help them build their credit score.<\/p>","protected":false},"author":127,"featured_media":253213,"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":[48137],"tags":[],"mc_loyalty_program":[690,747,700],"class_list":["post-252943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy","mc_loyalty_program-american-express-membership-rewards","mc_loyalty_program-cibc-aventura-en","mc_loyalty_program-bnc-rewards","post_region-canada-en","travel_type-student"],"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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