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Credit Cards

Find the right credit card for you. Learn more about credit card rewards, points, interest rates, and how to apply — all in one place.

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Credit card terms and conditions ↗

Knowing how to find and interpret a credit card’s terms and conditions will help you use it more confidently.

How to use a credit card like a pro ↗

Using your credit card wisely means building credit, earning rewards, and clearing off your balance so you never have to pay interest.

How international credit cards work ↗

Know how international credit cards can help you avoid foreign transaction fees and earn travel-specific perks.

Credit card guide

Understanding Credit cards
What Is a Credit Card and Should You Get One?

What Is a Credit Card and Should You Get One?

Credit cards allow the account holder to make purchases with revolving credit. But cardholders must pay the borrowed balance in full each month, or be charged interest.

What Are the Different Types of Credit Cards?

What Are the Different Types of Credit Cards?

There are many types of credit cards on the market. Choose the right card for your finances by understanding how features and fees may vary.

How Do Credit Cards Work in Canada?

How Do Credit Cards Work in Canada?

Credit cards let you borrow money up to a limit. You make monthly payments and interest is charged on unpaid debts.

Credit Card Interest Calculator

Credit Card Interest Calculator

Interest charges don’t need to be a mystery. Use our credit card interest calculator to see how much interest you’d owe if you carry a credit card balance.

Learning About credit limits and fees
How Do I Increase the Credit Limit on My Credit Card?

How Do I Increase the Credit Limit on My Credit Card?

In some cases, card issuers will raise your credit limit automatically. If yours doesn’t, you’ll have to ask.

The Most Common Types of Credit Card Fees and Charges

The Most Common Types of Credit Card Fees and Charges

If you use a credit card, you will likely encounter a range of charges and fees. Make sure you aren’t paying more than necessary by learning the basics of the most common credit card fees.

What to Know About Your Credit Card Limit

What to Know About Your Credit Card Limit

“Good” credit limits vary. How you manage them do not — don’t go over the limit, keep your credit utilization ratio low and maintain a good credit history in case you want to increase your credit limit.

Choosing credit cards and THE NExt steps
How to Choose the Best Credit Card For You

How to Choose the Best Credit Card For You

Identify the right credit card for your needs by considering your income, credit score and how you’re likely to use the card.

How to Apply for a Credit Card in Canada: A Complete Guide

How to Apply for a Credit Card in Canada: A Complete Guide

When applying for a credit card, issuers typically consider your age, income and credit score. Check out our guide on how to get a credit card before you start the process.

How Credit Card Interest Rates Work in Canada

How Credit Card Interest Rates Work in Canada

Credit card interest rates vary by the type of credit card and transaction. How much interest you pay is based on your creditworthiness and how you use your cards.

Managing credit cards
Credit Card Minimum Payments: How They Work

Credit Card Minimum Payments: How They Work

Making only the minimum payment is convenient but keeps you in debt longer, and can put your credit score at risk.

How to Share a Credit Card

How to Share a Credit Card

Sharing a credit card with a spouse or family member can help you save on fees, build credit scores and more. Just make sure you know the risks and potential benefits of joint credit cards and authorized users.

How to Read Your Credit Card Statement

How to Read Your Credit Card Statement

Your credit card statement is a record of all your transactions during a billing period. It also includes important account information and details that can help you master credit card management and ensure you’re not the victim of fraud.

paying or disputing credit cards
How To Pay Off Your Credit Card: 5 Tips

How To Pay Off Your Credit Card: 5 Tips

Following a schedule, using automated withdrawals and paying more than the minimum can go a long way.

What to Know About Getting a Credit Card Refund

What to Know About Getting a Credit Card Refund

When you buy something with your credit card, the merchant is paid immediately and you pay later. If you need a refund, your issuer will reverse the charge and post a refund to your credit card account.

How to Get Out of Credit Card Debt

How to Get Out of Credit Card Debt

Out-of-control credit card debt can hurt your credit, affect your family and limit your financial freedom.

Closing credit cards
How to Cancel a Credit Card

How to Cancel a Credit Card

To cancel your credit card with minimal impact to your credit score, follow these step-by-step instructions.

How to Transfer a Credit Card Balance

How to Transfer a Credit Card Balance

A balance transfer offloads high-interest debt to a low-interest card. Learning how to transfer a credit card balance strategically can save a lot of money.

6 Reasons Your Credit Card Was Declined and What to Do Next

6 Reasons Your Credit Card Was Declined and What to Do Next

Credit cards can be declined for a number of reasons, like missed payments, fraud, travel or expiration. But a quick call to the card’s issuer can get your purchasing power back.

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