{"id":746963,"date":"2021-03-08T13:16:26","date_gmt":"2021-03-08T18:16:26","guid":{"rendered":"https:\/\/www.fool.ca\/?page_id=746963&#038;preview_id=746963"},"modified":"2022-12-12T16:13:40","modified_gmt":"2022-12-12T21:13:40","slug":"credit-cards","status":"publish","type":"page","link":"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/","title":{"rendered":"Credit Cards"},"content":{"rendered":"<section style=\"background: #F0F0F0; padding: 7px; margin-bottom: 20px; font-family: sans-serif; line-height: 1.2em;\"><center><em>The Motley Fool Canada&#8217;s personal finance content is reader-supported: we may earn a commission from offers on this page. <a href=\"https:\/\/www.fool.ca\/personal-finance\/advertising-partners-on-motley-fool-canada\/\">It\u2019s how we make money<\/a>. But our editorial integrity ensures our experts\u2019 opinions aren\u2019t influenced by compensation.<\/em><\/center><\/section>\n<h2 class=\"sepbar\">Compare credit cards<\/h2>\n<div class=\"pfcolumns\">\n<div class=\"pfcolumn\">\n<h3><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-credit-cards-canada\/\">Top credit card picks<\/a><\/h3>\n<p><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-credit-cards-canada\/\"><br \/><img decoding=\"async\" src=\"https:\/\/www.fool.ca\/wp-content\/uploads\/2021\/04\/award.png\" width=\"75px\" \/><\/a><\/p>\n<\/div>\n<div class=\"pfcolumn\">\n<h3><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-rewards-credit-cards\/\">Rewards credit cards<\/a><\/h3>\n<p><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-rewards-credit-cards\/\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/03\/Rewards.png\" width=\"75px\" \/><\/a><\/p>\n<\/div>\n<div class=\"pfcolumn\">\n<h3><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-cash-back-credit-cards\/\">Cash back credit cards<\/a><\/h3>\n<p><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-cash-back-credit-cards\/\"><br \/><img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/03\/cashback.png\" width=\"75px\" \/><\/a><\/p>\n<\/div>\n<div class=\"pfcolumn\">\n<h3><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-balance-transfer-credit-cards\/\">Balance transfer credit cards<\/a><\/h3>\n<p><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-balance-transfer-credit-cards\/\"><br \/><img decoding=\"async\" src=\"https:\/\/www.fool.ca\/wp-content\/uploads\/2021\/04\/balance-transfer.png\" width=\"75px\" \/><\/a><\/p>\n<\/div>\n<div class=\"pfcolumn\">\n<h3><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-secured-credit-cards\/\"><br \/>Secured credit cards<\/a><\/h3>\n<p><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-secured-credit-cards\/\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/03\/secured.png\" width=\"75px\" \/><br \/><\/a><\/p>\n<\/div>\n<div class=\"pfcolumn\">\n<h3><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-travel-credit-cards\/\"><br \/>Travel credit cards<\/a><\/h3>\n<p><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-travel-credit-cards\/\"><img decoding=\"async\" src=\"https:\/\/www.fool.ca\/wp-content\/uploads\/2021\/11\/travel.png\" width=\"75px\" \/><br \/><\/a><\/p>\n<\/div>\n<div class=\"pfcolumn\">\n<h3><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-no-fee-credit-cards\/\"><br \/>No fee credit cards<\/a><\/h3>\n<p><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-no-fee-credit-cards\/\"><img decoding=\"async\" src=\"https:\/\/www.fool.ca\/wp-content\/uploads\/2021\/11\/no-fee.png\" width=\"75px\" \/><br \/><\/a><\/p>\n<\/div>\n<div class=\"pfcolumn\">\n<h3><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-prepaid-cards\/\"><br \/>Prepaid cards<\/a><\/h3>\n<p><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/best-prepaid-cards\/\"><img decoding=\"async\" src=\"https:\/\/www.fool.ca\/wp-content\/uploads\/2021\/11\/prepaid-wallet.jpg\" width=\"75px\" \/><br \/><\/a><\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-popular-credit-cards\">Popular credit cards<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/capital-one-costco-mastercard-review\/\">Capital One Costco Mastercard<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/cibc-dividend-visa-infinite-credit-card-review\/\">CIBC Dividend Visa Infinite Credit Card<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/simplycash-preferred-card-from-american-express-review\/\">SimplyCash\u2122 Preferred from American Express Credit Card<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/pc-financial-world-elite-mastercard-review\/\">PC Financial World Elite Mastercard<\/a><\/li><\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/td-cash-back-visa-infinite-credit-card-review\/\">TD Cash Back Visa Infinite Credit Card<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/american-express-cobalt-card-review\/\">American Express Cobalt\u00ae Credit Card<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/scotiabank-gold-american-express-card-review\/\">Scotiabank Gold American Express Credit Cards<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/rogers-world-elite-mastercard-review\/\">Rogers World Elite Mastercard Reveiw<\/a><\/li><\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-use-a-credit-card-wisely\">How to use a credit card wisely<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/how-to-choose-the-right-credit-card\/\">How to choose the right credit card<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/dont-cancel-that-credit-card\/\">Don&#8217;t cancel that credit card!<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/is-it-a-problem-to-have-a-credit-card-and-not-use-it\/\">Is it a problem to have a credit card and not use it?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/is-it-bad-to-have-a-0-balance-on-your-credit-card\/\">Is it bad to have a $0 balance?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/the-disadvantages-to-using-a-credit-card\/\">The disadvantages of using a credit card<\/a><\/li><\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/how-to-win-the-balance-transfer-game\/\">How to win the balance transfer game<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/debt-and-credit\/8-ways-to-pay-off-debt\/\">8 ways to pay off debt<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/negotiate-with-your-credit-card-lender\/\">How to negotiate with your credit card lender<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/debt-and-credit\/quick-guide-to-getting-out-of-debt\/\">A quick guide to getting out of debt<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/how-to-check-your-credit-score-in-canada-for-free\/\">How to check your credit score for free<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/how-to-choose-and-use-your-first-credit-card\/\">How to choose and use your first credit card<\/a><\/li><\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-expand-your-credit-card-knowledge\">Expand your credit-card knowledge<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/why-own-a-credit-card-with-annual-fees\/\">Why own a credit card with annual fees?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/are-credit-cards-good-or-bad\/\">Are credit cards good or bad?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/credit-card-vs-debit-card-whats-the-difference\/\">Credit card vs. debit card: what&#8217;s the difference?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-credit-card-can-you-get-with-bad-credit\/\">What credit card can you get with bad credit?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/visa-vs-mastercard-whats-the-difference\/\">Visa vs. Mastercard: what&#8217;s the difference?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/the-average-credit-card-limit-in-canada\/\">The average credit card limit in Canada<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/how-are-credit-scores-calculated-in-canada\/\">How are credit scores calculated in Canada?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-are-the-most-exclusive-credit-cards-in-canada\/\">What are the most exclusive credit cards in Canada?<\/a><\/li><\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-a-good-credit-score\/\">What is a good credit score?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/rewards-cards-vs-cashback-cards-which-is-better\/\">Rewards cards vs. cashback cards: which is better?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/heres-why-your-credit-limit-is-so-low\/\">Here&#8217;s why your credit limit is so low<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-are-the-easiest-credit-cards-to-get\/\">What are the easiest credit cards to get?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/apr-vs-interest-rate-whats-the-difference\/\">APR vs. interest rate: what&#8217;s the difference?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/how-to-build-credit-without-a-credit-card\/\">How to build credit without a credit card<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/whats-the-highest-credit-card-limit-in-canada\/\">What&#8217;s the highest credit card limit in Canada?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/the-eight-types-of-credit-cards\/\">The eight types of credit cards<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-credit-score-do-you-start-with-in-canada\/\">What credit score do you start with in Canada?<\/a><\/li><\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-important-credit-card-terms-defined\">Important credit card terms defined<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-4 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-apr-and-how-does-it-work\/\">What is APR and how does it work?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-the-credit-utilization-ratio\/\">What is the credit utilization ratio?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-a-credit-card\/\">What is a credit card?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-are-credit-limits\/\">What are credit limits?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-a-grace-period-for-a-credit-card\/\">What is a grace period for a credit card?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-a-credit-bureau\/\">What is a credit bureau?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-a-credit-score\/\">What is a credit score?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-a-credit-card-issuer\/\">What is a credit card issuer?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-a-minimum-payment-on-a-credit-card\/\">What is a minimum payment on a credit card?<\/a><\/li><\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-a-secured-credit-card\/\">What is a secured credit card?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-a-balance-transfer-credit-card\/\">What is a balance transfer credit card?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-are-credit-card-reward-points\/\">What are credit card rewards points?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-a-foreign-transaction-fee\/\">What is a foreign transaction fee?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-a-credit-card-cash-advance\/\">What is a credit card cash advance?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-a-credit-card-annual-fee\/\">What is a credit card annual fee?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-cash-back\/\">What is cash back?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-does-a-credit-card-default-mean\/\">What does a credit card default mean?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-mastercard\/\">What is Mastercard?<\/a><\/li><li><a href=\"https:\/\/www.fool.ca\/personal-finance\/credit-cards\/what-is-visa-inc\/\">What is Visa Inc.?<\/a><\/li><\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Credit cards are among the most widely-used of any financial instrument. And there&#8217;s good reason for that. Credit cards are an easy way to pay for things, can help track spending, and many even provide rewards for doing nothing more than making your everyday purchases.<\/p>\n\n\n\n<p>Credit cards can also be a helpful tool for avoiding high-cost debt or getting out of debt. Offers like 0% interest on purchases and 0% balance transfers can provide some breathing room for paying down debt, while not racking up additional interest.<\/p>\n\n\n\n<p>But credit cards aren&#8217;t all fun and games. Interest rates are typically extremely high. And cash advances often carry even higher rates. Though it&#8217;s nice that credit cards make it easier to make purchases, it&#8217;s sometimes a little too easy to spend on a credit card. And since the nature of a credit card is to provide credit (that is: a loan), you don&#8217;t get cut off when you run out of money, the way you do when you stick to spending just the cash you have available.<\/p>\n\n\n\n<p>Which all makes it no wonder that <em>on average<\/em> each Canadian household has more than $7,000 in credit card debt.<\/p>\n\n\n\n<p>This makes it well worth while to spend some time choosing the right credit card for you <em>and<\/em> understanding how to use a credit card, so you get the benefits without running the risks.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Some offers on The Motley Fool are from our partners \u2014 it\u2019s part of how we make money and keep this site going. But does that impact our reviews? Nope. Our commitment is to you. If a product isn\u2019t any good, our review will reflect that, or we won\u2019t list it at all. Also, while we aim to feature the best products available, we do not review every product on the market.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Motley Fool Canada&#8217;s personal finance content is reader-supported: we may earn a commission from offers on this page. It\u2019s &hellip;<\/p>\n","protected":false},"author":28430,"featured_media":0,"parent":488,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"ep_exclude_from_search":false,"footnotes":""},"tickers_global":[],"class_list":["post-746963","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.4 (Yoast SEO v23.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Cards | The Motley Fool Canada<\/title>\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.fool.ca\/personal-finance\/credit-cards\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Cards\" \/>\n<meta property=\"og:description\" content=\"The Motley Fool Canada&#8217;s personal finance content is reader-supported: we may earn a commission from offers on this page. 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