Benefits, fees, hidden perks: Choosing the right credit card for your lifestyle + MORE Mar 6th

American Express’ bonus for transferring Membership Rewards points to Marriott Bonvoy has returned! MARCH 5 UPDATE: American Express has let RWRDS Canada know this is an official transfer bonus and it is available until April 30, 2024. The 30% Transfer Bonus Earlier today (March 4) I decided to try it out myself and made a […]
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TD First Class Travel Visa Infinite Card offer now 100,000 points & 12 new and updated American Express Cobalt Card Multipliers in Canada and the U.S. Check out today’s points & miles updates here:
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The  TD® Aeroplan® Visa Infinite* Card sees a new welcome bonus offer that provides up to 50,000 Aeroplan Points for new applicants who are approved for the card by June 3, 2024 The TD Aeroplan Visa Infinite Card is ranked as the best airline credit card in Canada as it provides strong earn rates on […]
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Critical to building a credit history, credit cards are a rite of passage into financial adulthood.

Even if you’re debt-phobic or have heard too many horror stories of people maxing out their cards, you can’t skip this step.

Cindy Marques, certified financial planner and director at Open Access Ltd., had one client in their 30s preparing to buy a home—while completely missing this piece of the puzzle.

“They went to see if they’re eligible for a mortgage, and their (credit) score was non-existent, because they just never had credit cards,” Marques said. “And they thought they were doing themselves a favour—‘I never had debt. So this shouldn’t be a problem.’”

Credit cards, however, are important tools to build credit history and maintain a good credit score, Marques added. Thankfully most of them come with perks too, catering to almost every lifestyle.

Where to get a credit card

Many people default to picking a card from their bank because it’s easier, says Shannon Terrell, a finance writer and spokesperson for NerdWallet Canada…

The TD® Aeroplan® Visa Infinite Privilege* Card sees a new welcome bonus offer that provides up to 85,000 Aeroplan Points for new applicants who are approved for the card by June 3, 2024 On top of the increased welcome bonus the card offers many benefits that make travelling with Air Canada even better including lounge access, […]
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