{"id":194,"date":"2021-06-28T18:12:40","date_gmt":"2021-06-29T01:12:40","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=194"},"modified":"2023-12-19T06:20:57","modified_gmt":"2023-12-19T14:20:57","slug":"how-to-choose-the-best-credit-card","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/how-to-choose-the-best-credit-card","title":{"rendered":"How to Choose the Best Credit Card For You"},"content":{"rendered":"\n<p>Choosing the best credit card can feel like an impossible mission. There are numerous cards out there, each with its own pros and cons. But using your budget, spending habits and financial goals as a guide can help you narrow down your choices.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Before you start<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Check your credit score<\/h3>\n\n\n\n<p>Checking your credit score helps you decide which cards to apply for. A credit score between 660 and 900 is considered <a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-a-good-credit-score\">good to excellent<\/a>, according to Equifax, and will increase your chances of approval for most cards. If it\u2019s lower, you still have options, but there may be fewer cards to choose from.<\/p>\n\n\n\n<p>You can <a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/how-to-check-your-credit-score\">check your credit score<\/a> through the two credit bureaus, Equifax and TransUnion. Equifax offers free credit checks, while TransUnion typically charges a monthly fee for the service (TransUnion credit checks are free for residents of Quebec). Some financial institutions allow you to check your credit score for free.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Consider your income<\/h3>\n\n\n\n<p>In many cases, credit cards require a minimum personal or household income for you to be eligible. If your income doesn\u2019t meet a card\u2019s requirements, it\u2019s best not to apply. Too many <a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-a-soft-credit-inquiry\">hard credit checks<\/a> in a short period of time can have a negative effect on your credit because lenders may think you\u2019re living beyond your means. So if you know you won\u2019t qualify for a card, move on to the next.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to pick the right type of credit card<\/h2>\n\n\n\n<p>Generally speaking, there are three <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/types-of-credit-cards-explained\">types of credit cards<\/a>:<\/p>\n\n\n\n<ul>\n<li>Rewards cards.<\/li>\n\n\n\n<li>Low-interest cards.<\/li>\n\n\n\n<li>Cards for no credit or bad credit.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">If you want to earn rewards<\/h3>\n\n\n\n<p>A <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/rewards-credit-card-canada-explained\">rewards credit card<\/a> may be the right choice if you have a good credit score and don\u2019t typically carry a <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/what-is-a-credit-card-balance\">credit card balance<\/a> from month to month. You can earn points on everyday purchases, which you can then be redeemed for cash, free flights or other benefits. Compare the <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-general-rewards-credit-cards\">best rewards card in Canada<\/a> to help you decide.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">If you want to reduce your debt<\/h3>\n\n\n\n<p>Tend to carry a balance from month to month? You may want to consider a <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/what-are-low-interest-credit-cards\">low-interest credit card<\/a>, especially one with a balance transfer option. By moving your balance to a card with a lower interest rate, you could save money in the long run.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">If you want to build your credit<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-student-credit-cards\">Student credit cards<\/a> or other entry-level credit cards like <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-secured-credit-cards\">secured cards<\/a> may be the right choice for people who are starting to build their credit. Instead of relying on your credit score for approval, secured credit cards require a deposit as collateral \u2014 typically equal to the card\u2019s credit limit. For example, if you provide a $1,000 security deposit, you\u2019ll have access to $1,000 in credit.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Compare credit card features&nbsp;<\/h2>\n\n\n\n<p>Once you\u2019ve decided on the type of card that will meet your needs, consider the individual features of each product, such as fees, interest rates, reward rates and perks.&nbsp;<\/p>\n\n\n\n<p>Here are some key questions you can ask yourself as you compare credit cards:<\/p>\n\n\n\n<ul>\n<li><strong>What\u2019s the annual fee?<\/strong> Depending on the type of card and the features it offers, the annual fee can range from zero to several hundred dollars.&nbsp;<\/li>\n\n\n\n<li><strong>Is there a promotional balance transfer rate?<\/strong> Some cards offer a lower interest rate when you <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-balance-transfer-credit-cards-in-canada\">transfer a balance<\/a> from another card, which can help you pay off the balance faster.&nbsp;<\/li>\n\n\n\n<li><strong>What is the standard interest rate?<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/how-credit-card-interest-rates-work-in-canada\">Credit card interest rates<\/a> typically hover at around 20% in Canada, but can be considerably higher or lower depending on your credit and the type of card you get.&nbsp;<\/li>\n\n\n\n<li><strong>Will this card help me build my credit?<\/strong> Make sure any card you get will help you maintain or grow your credit score based on your own financial situation. For example, if you always carry a balance, choose a card with a low interest rate and avoid <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/charge-card-vs-credit-card\">charge cards<\/a>, which must be paid off in full each month or are subject to very high interest rates. If you have no or bad credit, consider a secured credit card, which relies on a security deposit instead of your credit score to determine eligibility.<\/li>\n\n\n\n<li><strong>Where do I spend my money? <\/strong>Many rewards cards offer an increased earnings rate on select categories like gas, groceries or pharmacies. Most credit card purchases have set&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/merchant-category-code\">merchant category codes (MCCs)<\/a>&nbsp;that can impact the points or cash back you earn. Find a card that matches your spending habits so you can get the most out of the reward program.&nbsp;<\/li>\n\n\n\n<li><strong>Do I want cash-back or travel rewards? <\/strong>Travel rewards can be very lucrative, but if you don\u2019t travel often, <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/what-is-a-cash-back-credit-card\">cash-back<\/a> rewards may be more appropriate.&nbsp;<\/li>\n\n\n\n<li><strong>What type of travel rewards do I want?<\/strong> If you only fly with a certain airline or stay at a specific hotel chain, choose a card that specializes in those rewards. If you want flexible travel rewards, pick a card with a more generalized redemption program.&nbsp;<\/li>\n\n\n\n<li><strong>Does the card offer extra perks?<\/strong> Many cards come with added features, such as travel insurance, airport lounge access, purchase protection, extended warranties and more. If a particular perk is important to you, focus on cards that offer that feature.<\/li>\n\n\n\n<li><strong>Is there a sign-up bonus?<\/strong> Look for a card that offers a welcome bonus, like extra rewards or a higher cash-back rate for a limited time. Ensure that you\u2019re likely to meet the spending requirements of any bonus that catches your eye.<\/li>\n<\/ul>\n\n\n<div class=\"c-block-house-ad wp-block-nerdwallet-blocks-house-ad\">\n\n\t\n\t<div class=\"c-block-house-ad__wrapper\">\n\t\t<div class=\"c-block-house-ad__inner\">\n\t\t\t<div class=\"c-house-ad__content-wrapper c-house-ad__content-wrapper__no-image\">\n\t\t\t\t\n\t\t\t\t<h4 class=\"c-block-house-ad__title\">Best Credit Cards in Canada<\/h4>\n\t\t\t\t\t\t\t\t\t<p class=\"c-block-house-ad__content\">\n\t\t\t\t\t\tCompare all different credit cards side-by-side and find out the best card that will meet your need with special perks and benefits\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t<div class=\"c-block-house-ad__cta wp-block-button\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-credit-cards-in-canada\" target=\"_self\" class=\"c-block-house-ad__cta-button nw-cta track-click-mon wp-block-button__link wp-element-button\" data-placement=\"Promotional banner\">Explore Now<\/a><\/div>\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"c-block-house-ad__image-wrapper\">\n\t\t\t\t\t<div class=\"c-block-house-ad__image\">\n\t\t\t\t\t\t<img decoding=\"async\" class=\"c-block-house-ad__icon-img\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/nerdwallet-canada_credit-cards-illustration-v2-e1648688043541.png\" alt=\"Ad Icon\" style=\"max-width: 200px; max-height: 200px;\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Find the best credit card<\/h2>\n\n\n\n<p>Choosing the right credit card can help you achieve your financial goals by earning rewards, reducing debt and growing your credit score. Take the time to <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/how-to-get-a-credit-card\">apply for one<\/a> that\u2019s right for you. When you start using your new credit card, keep an eye on the <a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/beginner-credit-card-mistakes-and-how-to-fix-them\">common credit card mistakes<\/a> beginners make so that you can continue to reap the benefits.<\/p>\n\n\n\n<p>Compare credit cards within the same category to find the best option for you.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-visa-credit-cards-in-canada\">BEST VISA CARDS<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-general-rewards-credit-cards\">BEST REWARDS CARDS<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-3 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-travel-credit-cards\">BEST TRAVEL CARDS<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-4 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-cash-back-credit-cards\">BEST CASH BACK CARDS<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-business-credit-cards\">BEST BUSINESS CARDS<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-6 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-no-fee-credit-cards\">BEST NO-FEE CARDS<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div 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href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-low-interest-credit-cards\">BEST low INTEREST CARDS<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-9 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-student-credit-cards\">BEST STUDENT CARDS<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-layout-4 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-10 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-aeroplan-credit-cards\">BEST AEROPLAN CARDS<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-11 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-air-miles-credit-cards\">BEST AIRMILES CARDS<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-12 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-metal-credit-cards\">BEST METAL CARDS<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-layout-5 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-13 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-american-express-cards-in-canada\">BEST AMERICAN EXPRESS CARDS<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-14 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-balance-transfer-credit-cards-in-canada\">BEST BALANCE TRANSFER CARDS<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-15 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/credit-cards-for-bad-credit\">BEST CARDS FOR BAD CREDIT<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-16 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-lightest-green-background-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/best-credit-cards-in-canada\">BEST CREDIT CARDS 2023<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"nwb-authors nwb-authors__footer wp-block-nerdwallet-blocks-authors-card\">\n\t<div class=\"nwb-authors__wrapper\">\n\t\t<h4 class=\"nwb-authors__title\">\n\t\t\tAbout the Authors\t\t<\/h4>\n\n\t\t\t\t\t<div class=\"nwb-authors__content\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/georgia-rose\">\n\t\t\t\t\t\t<img\n\t\t\t\t\t\t\tclass=\"nwb-authors__image\"\n\t\t\t\t\t\t\tsrc=\"https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=75&#038;d=mm&#038;r=g\"\n\t\t\t\t\t\t\twidth=\"120\" height=\"120\"\n\t\t\t\t\t\t\talt=\"Georgia Rose photo\"\n\t\t\t\t\t\t\/>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t<div>\n\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/georgia-rose\">\n\t\t\t\t\t\t<strong>Georgia Rose<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t<div class=\"nwb-authors__bio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated&hellip;<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/georgia-rose\" title=\"Read more about Georgia Rose\">\n\t\t\t\t\t\t\t<span>Read more about Georgia Rose and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"nwb-authors__content\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/barry-choi\">\n\t\t\t\t\t\t<img\n\t\t\t\t\t\t\tclass=\"nwb-authors__image\"\n\t\t\t\t\t\t\tsrc=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/BarryChoi-e1626212860872-100x100.jpg\"\n\t\t\t\t\t\t\twidth=\"120\" height=\"120\"\n\t\t\t\t\t\t\talt=\"Barry Choi photo\"\n\t\t\t\t\t\t\/>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t<div>\n\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/barry-choi\">\n\t\t\t\t\t\t<strong>Barry Choi<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t<div class=\"nwb-authors__bio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Barry Choi is a freelance personal finance and travel expert. His website moneywehave.com is one of Canada&#039;s most trusted sites when it comes to all things related to money and&hellip;<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/barry-choi\" title=\"Read more about Barry Choi\">\n\t\t\t\t\t\t\t<span>Read more about Barry Choi and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 class=\"c-block-card-grid__title\">\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-189\" class=\"c-block-card post-189 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-credit-card-basics-and-advice cluster-applying-for-credit-card\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/how-to-get-a-credit-card\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/06\/GettyImages-1217031480-e1624921223883-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"How to Apply for a Credit Card in Canada: A Complete Guide\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/how-to-get-a-credit-card\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tHow to Apply for a Credit Card in Canada: A Complete Guide\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>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. <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/georgia-rose\" class=\"author url fn\" rel=\"author\"><img alt='Georgia Rose profile photo' decoding=\"async\" src='https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=32&#038;d=mm&#038;r=g' class='avatar avatar-32 photo' height='32' width='32' \/>Georgia Rose<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/barry-choi\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/BarryChoi-e1626212860872-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Barry Choi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-189 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-200\" class=\"c-block-card post-200 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-credit-card-basics-and-advice cluster-types-of-credit-cards\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/types-of-credit-cards-explained\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/06\/GettyImages-1210769815-e1624921354497-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"What Are the Different Types of Credit Cards?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/types-of-credit-cards-explained\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tWhat Are the Different Types of Credit Cards?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>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.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/shannon-terrell\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/Shannon-Terrell-headshot-e1648578818586-40x40.png\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Shannon Terrell<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/hannah-logan\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Hannah-Logan-e1626212867388-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Hannah Logan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-200 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-226\" class=\"c-block-card post-226 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-buying-or-selling-real-estate cluster-applying-for-credit-card\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/credit-card-instant-approval-vs-guaranteed-approval\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"239\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/06\/GettyImages-1180049396-e1624917457620-460x239.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Credit Card Instant Approval vs. Guaranteed Approval\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/credit-card-instant-approval-vs-guaranteed-approval\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tCredit Card Instant Approval vs. Guaranteed Approval\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Instant approval provides a quick answer for people with good credit. Guaranteed approval is a preapproved offer for people with bad credit. Both options make the process easy \u2014 as long as you\u2019re eligible. <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/hannah-logan\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Hannah-Logan-e1626212867388-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Hannah Logan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-226 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-39157\" class=\"c-block-card post-39157 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-credit-card-basics-and-advice cluster-credit-card-interest\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/credit-cards-credit-card-interest-calculator\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"435\" height=\"290\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/06\/GettyImages-1408404108-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Credit Card Interest Calculator\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/credit-cards-credit-card-interest-calculator\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tCredit Card Interest Calculator\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Interest charges don\u2019t need to be a mystery. Use our credit card interest calculator to see how much interest you\u2019d owe if you carry a credit card balance.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/shannon-terrell\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/Shannon-Terrell-headshot-e1648578818586-40x40.png\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Shannon Terrell<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/georgia-rose\" class=\"author url fn\" rel=\"author\"><img alt='Georgia Rose profile photo' decoding=\"async\" src='https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=32&#038;d=mm&#038;r=g' class='avatar avatar-32 photo' height='32' width='32' \/>Georgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-39157 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>Identify the right credit card for your needs by considering your income, credit score and how you\u2019re likely to use the card.<\/p>\n","protected":false},"author":4,"featured_media":195,"parent":102,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"middle","apple_news_slug":"","apple_news_sections":"[\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/258a2d7c-962b-47be-93aa-4e3a3f4b4a02\"]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[14],"topic":[89],"cluster":[127],"pp_author":[704,23],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Choose the Best Credit Card For You - NerdWallet Canada<\/title>\n<meta name=\"description\" content=\"Consider your credit, income, spending habits and budget to find the right credit card for you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/how-to-choose-the-best-credit-card\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Choose the Best Credit Card For You - NerdWallet Canada\" \/>\n<meta property=\"og:description\" content=\"Consider your credit, income, spending habits and budget to find the right credit card for you.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/how-to-choose-the-best-credit-card\" \/>\n<meta property=\"og:site_name\" content=\"NerdWallet Canada\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NerdWallet\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-19T14:20:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/06\/GettyImages-1187342834-e1624921271854.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2078\" \/>\n\t<meta property=\"og:image:height\" content=\"867\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NerdWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data2\" content=\"Georgia Rose, Barry Choi\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/how-to-choose-the-best-credit-card\",\"url\":\"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/how-to-choose-the-best-credit-card\",\"name\":\"How to Choose the Best Credit Card For You - 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