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The top credit cards for Canadians

NerdWallet can help you find the right card for your wallet.

How to Apply for a Credit Card

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

Canada’s 10 Best Cash Back Credit Cards of 2021

Cash back is the most flexible type of credit card reward.

Canada’s 8 Best Travel Credit Cards of 2021

The best travel credit cards have strong earn rates and great travel rewards.

An Introduction to Rewards Credit Cards

Rewards credit cards earn points, miles or cash back on purchases. You can redeem what you earn for travel, merchandise, gift cards and more.

How to Check Your Credit Score and Rebuild Your Credit History

Checking your credit report won’t hurt your credit score. Learn how to check for free in Canada so you can start to rebuild your credit history.

How to Get a Better Credit Score

Want to improve your credit fast? Learn how to get a better credit score by paying bills on time, keeping your credit utilization ratio low, and more.

Understanding the Main Types of Debt

Debt can be divided into several types: secured and unsecured, good and bad. Other types of debt include credit card debt, student loans, medical bills and mortgages.

Overdraft and Overdraft Protection Explained

An overdraft drops your bank account balance below zero and can result in fees and interest. Overdraft protection prevents a non-sufficient funds fee.

How to Use an ATM

Use an ATM to deposit cash and withdraw money with your debit card. Learn where to find ATMs and how to avoid fees when using them.

How to Write a Cheque in 5 Steps

Learn about how to write a cheque, how to use cheques, and alternatives to cheques such as online payments, credit cards, direct deposit and more.

How to Open a Bank Account Online or in Person

You can open an account at a Canadian bank or credit union in person or online. You need to be aged 17 or older and have two forms of identification.

Passing the Mortgage Stress Test: What Home Buyers Should Know

To pass the Canadian mortgage stress test, you must demonstrate that you could still make your mortgage payments even if interest rates were to increase.

What Is a Mortgage Loan-to-Value Ratio (LTV)?

A loan-to-value ratio (LTV) compares your mortgage amount to the value of the property. Mortgage insurance is required when you have a high LTV.

A Beginner's Guide to Investment Properties

Investment property mortgages help you invest in real estate through residential rental units and commercial properties, like retail store locations.

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