It’s Not About the Best Card — It’s About the Right Card The “best” credit card doesn’t exist. The right card depends on your spending patterns, travel goals, and tolerance for annual fees. Here’s how to think about it. Step 1: Know Your Monthly Spend Before comparing cards, look at your actual spending: How much…

Learn From Others’ Mistakes When you’ve been in the points collecting game for a while, you see the same mistakes repeated. Here are the big ones — and how to avoid them. 1. Chasing the Headline Bonus Without Reading the Fine Print That “40,000 point” offer? It might be split across three spending tiers with…

What Are Card Rebates? Third-party sites pay you to apply for credit cards through their links. It’s affiliate marketing — the bank pays them a commission, they share a slice with you. In Canada, the main players are FrugalFlyer, GreatCanadianRebates (GCR), CreditCardGenius, and FinlyWealth. How Much Can You Earn? Rebates typically range from $50 to…

The Cards That Deliver Real Value Not all credit cards are created equal. If you’re looking to maximize rewards on every dollar you spend, a few Canadian cards consistently rise to the top. Here’s what I’m tracking right now. Current Top Picks Amex Cobalt — 5x on Food The Cobalt earns 5 Membership Rewards points…