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Published June 22, 2021
Updated October 7, 2021

Credit cards

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

Find the best credit cards in Canada

Explore our top picks

Start your credit card search with ease.

Get started with credit cards by understanding how they work, how you qualify and how to use them wisely.

The basics

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.

How to Choose the Best Credit Cards in Canada

Check your credit. Identify which type of credit card you need. Narrow your choices. Apply for the card that offers the highest overall value

How Credit Card Interest Rates Work in Canada

Interest rates can range from as low as 0% to as high as 30%, based on credit card and transaction type. Learn how to calculate and compare different types of interest rates.
Types of cards

An Introduction to Low-Interest Credit Cards

Looking for the best low-interest rate credit cards? Learn how a zero-interest period works, how to get low APR and how to compare top promotions.

An Introduction to No Annual Fee Credit Cards

There are plenty of great credit cards in Canada that don’t charge an annual fee. Find a no-fee credit card that works for you and learn how to apply.

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.

An Introduction to Student Credit Cards

What are the best student credit cards in Canada? Learn how they work, how to compare, how to apply, how to use one correctly and more.
Your questions, answered

How Long Should I Wait Between Credit Card Applications?

How often you should apply for a new credit card depends on how many you want, but waiting about six months between applications is a good guideline.

How Is Credit Card Interest Calculated?

The amount of interest you pay depends on your card’s interest rate and your balance. You can avoid interest entirely by paying your bill in full each month.

What Happens If I Make Only the Minimum Payment on My Credit Card?

What happens if you only make the minimum payment on your credit card? You might get temporary relief, but you’ll pay more in interest charges later.
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