{"id":85803,"date":"2024-03-25T13:57:02","date_gmt":"2024-03-25T17:57:02","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=85803"},"modified":"2025-05-27T10:54:58","modified_gmt":"2025-05-27T14:54:58","slug":"5-tips-to-consider-when-choosing-the-best-credit-card-in-canada","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/5-tips-to-consider-when-choosing-the-best-credit-card-in-canada\/","title":{"rendered":"5 Tips to Consider When Choosing the Best Credit Card in Canada"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/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<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">5 Tips to Consider When Choosing the Best Credit Card in Canada<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz0xZmFhZGI2Y2RiZWExMWVlYTYzZmQyOWY5YTAyYTdlYQ-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"A couple entering their credit card details on a tablet\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz0xZmFhZGI2Y2RiZWExMWVlYTYzZmQyOWY5YTAyYTdlYQ-1.jpg 6720w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz0xZmFhZGI2Y2RiZWExMWVlYTYzZmQyOWY5YTAyYTdlYQ-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz0xZmFhZGI2Y2RiZWExMWVlYTYzZmQyOWY5YTAyYTdlYQ-1.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz0xZmFhZGI2Y2RiZWExMWVlYTYzZmQyOWY5YTAyYTdlYQ-1.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz0xZmFhZGI2Y2RiZWExMWVlYTYzZmQyOWY5YTAyYTdlYQ-1.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz0xZmFhZGI2Y2RiZWExMWVlYTYzZmQyOWY5YTAyYTdlYQ-1.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=5 Tips to Consider When Choosing the Best Credit Card in Canada &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/5-tips-to-consider-when-choosing-the-best-credit-card-in-canada\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/5-tips-to-consider-when-choosing-the-best-credit-card-in-canada\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published March 25, 2024 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Wondering what the best credit card in Canada is? It really comes down to what\u2019s the best credit card for <em>you<\/em>. Choosing the right credit card means finding one that meets your lifestyle and spending habits and gives you benefits that matter to you.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/index.html\" data-dig-id=\"LP-85799-f1c539ee\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Credit cards\" class=\"rbc-link-format\">Credit cards<\/a> are a very popular way to pay for purchases in Canada. Today, there are about 94.8 million credit cards in circulation<sup>1<\/sup> and the average Canadian has 2 or more cards<sup>2<\/sup>. With so many cards out there, you may wonder<em> what\u2019s the best credit card for you.<\/em><\/p>\n\n\n\n<p>Choosing a credit card isn&#8217;t always easy, but here are 5 tips to consider when choosing a credit card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-your-lifestyle-and-life-stage\">1. Your lifestyle and life stage<\/h2>\n\n\n\n<p>Are you a student? A frequent traveller? Are you living on a tight budget? Or maybe you&#8217;re starting a family and have lots of expenses coming up?<\/p>\n\n\n\n<p>Your lifestyle and life stage can have a meaningful impact on your choice of credit card. For instance:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default\">There are <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/student.html\" data-dig-id=\"LP-85799-9b33f3e3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"specific cards for students\" class=\"rbc-link-format\">specific cards for students<\/a> that offer student-specific perks or reduced annual fees.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>With a <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/travel.html\" data-dig-id=\"LP-85799-5d9740dd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"travel rewards card\" class=\"rbc-link-format\">travel rewards card<\/a>, you will earn points that you can use toward flights, hotel stays and more. It&#8217;s a smart choice if you love to travel.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If you&#8217;re on a budget, a <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/cash-back.html\" data-dig-id=\"LP-85799-e973d13e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"cash back card\" class=\"rbc-link-format\">cash back card<\/a> will give you money back to your credit card or bank account. If you entertain or dine out a lot, some cards reward you for restaurant, food delivery and grocery purchases.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Some cards offer extra bonus points if you spend a certain amount within a set timeframe. These cards could be perfect if you&#8217;re entering an expensive stage of life, such as buying a home or starting a family.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-your-spending-habits\">2.Your spending habits<\/h2>\n\n\n\n<p>Some people use their credit card for everyday items \u2014 from a $2 coffee to their $100+ grocery bill. Others prefer to use their credit cards to pay for larger items only. Many cards offer extra rewards for certain types of purchases. So, it&#8217;s worth seeing how your spending habits match up.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-the-benefits-that-are-important-to-you\">3. The benefits that are important to you<\/h2>\n\n\n\n<p>Credit cards come with a wide range of benefits. Some come with travel rewards, which could include points for travel, access to airport lounges or deals on hotels. Others, as explained earlier, come with cash back. Furthermore, for some folks, insurance may be appealing as it may include coverage for trip cancellation, travel medical and purchase security insurance.<\/p>\n\n\n\n<div class=\"wp-block-group  mar-b-hlf has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-looking-for-a-credit-card\">Looking for a credit card?<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Use our Credit Card Selector Tool to find the best credit card for you.<\/p>\n\n\n\n<div class=\"wp-block-buttons pad-b-hlf is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button  is-style-primary primary btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/choose-a-credit-card.html\" data-dig-id=\"LP-85803-d98bff85\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Help Me Choose-https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/choose-a-credit-card.html \">Help Me Choose<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/compare-credit-cards.html\" data-dig-id=\"LP-85779-c566a290\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Compare Credit Cards\" class=\"rbc-link-format goto-link\" data-icon-class=\"goto-link\">Compare Credit Cards<\/a><\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-your-credit-habits\">4. Your credit habits<\/h2>\n\n\n\n<p>The smartest way to use a credit card is to use it for purchases and then pay off the balance in full every month. Some people are very disciplined and can manage their card this way. For others, bringing their credit card balance to zero every month can be a challenge.<\/p>\n\n\n\n<p>If you regularly pay off your credit card by the due date, you don&#8217;t need to worry much about the interest rate. If, however, you carry a balance month over month, <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/low-interest.html\" data-dig-id=\"LP-85799-18531cdd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"a low-interest-rate credit card\" class=\"rbc-link-format\">a low-interest-rate credit card<\/a> may be a good choice for you. A lower-interest-rate card could save you a lot on interest costs compared to other card types. At the same time, it\u2019s worth knowing that low-interest-rate cards generally don\u2019t come with perks or points \u2013 so there is a trade-off to consider.<\/p>\n\n\n\n<p>As you assess your credit habits against the cards that interest you, note that you can generally choose a lower credit limit than is assigned to you. If you aren\u2019t comfortable with a given credit limit, you can request a lower limit for your card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-your-income\">5.&nbsp;Your income &nbsp;<\/h2>\n\n\n\n<p>To help you narrow down the list of potential cards, it&#8217;s worth starting with the cards you may be eligible for. For example, some credit cards require you to meet a minimum income level.<\/p>\n\n\n\n<p>Before you start browsing through cards, check to see if there\u2019s a minimum income level you need to have, so you\u2019re only applying for cards that make sense for you.<\/p>\n\n\n\n<p>As you review your options, think about what you want out of a credit card and what benefits matter to you. Part of this assessment will be deciding if you\u2019re willing to pay an annual fee for your card. Generally, the better the perks, the higher the fee.<\/p>\n\n\n\n<p>To help you find a credit card that suits you best, try the <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/choose-a-credit-card.html\" data-dig-id=\"LP-85799-6a7b334c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Credit Card Selector Tool\" class=\"rbc-link-format\">RBC Credit Card Selector Tool<\/a>. All you need to do is answer a few simple questions. It&#8217;s an easy way to see the options that fit your needs best.<\/p>\n\n\n\n<div class=\"wp-block-group pad-b-0 is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Sources:<\/p>\n\n\n\n<p><sup>1<\/sup> Yuns, Stephen, Olorundar\u00e9, Ajok\u00e9 &#8220;Canadian Payment Methods and Trends: Rebound and Grow Report 2022.&#8221; Payments Canada. (2022)<\/p>\n\n\n\n<p><sup>2<\/sup> The Canadian Banking Association reported a total of 76 million Visa and Mastercards were in circulation across the country in 2021, which, when factoring Canadians above the age of 18, adds up to about 2.4 credit cards per person. Source: <a href=\"https:\/\/www.ratehub.ca\/blog\/how-many-credit-cards-should-i-have-canada\/#\" target=\"_blank\" data-dig-id=\"LP-85799-f30307c5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"https:\/\/www.ratehub.ca\/blog\/how-many-credit-cards-should-i-have-canada\/#\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">https:\/\/www.ratehub.ca\/blog\/how-many-credit-cards-should-i-have-canada\/#<\/a><\/p>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-d877089a-1689-4182-b4d3-af18ea353008\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=5 Tips to Consider When Choosing the Best Credit Card in Canada &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/5-tips-to-consider-when-choosing-the-best-credit-card-in-canada\/\">\n        <img 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-9c904d02-da79-40c6-ab0f-dddef9247e9d\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/banking-digital-banking\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Banking\/ Digital banking<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Credit and Debt<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/managing-money\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Managing Money<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div 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Card\u00a0<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-d877089a-1689-4182-b4d3-af18ea353008 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-d877089a-1689-4182-b4d3-af18ea353008 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-9c904d02-da79-40c6-ab0f-dddef9247e9d {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-9c904d02-da79-40c6-ab0f-dddef9247e9d {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>5 factors to consider when choosing a credit card that suits you best. <\/p>\n","protected":false},"author":80,"featured_media":85801,"parent":85747,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[62,510,520],"rbc_content_type":[31],"rbc_audience":[49],"rbc_lob_group":[50],"rbc_difficulty_level":[33],"rbc_mmm_category":[319,304,569],"class_list":["post-85803","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-banking-digital-banking","tag-credit-and-debt","tag-managing-money","rbc_content_type-article","rbc_audience-students","rbc_lob_group-students","rbc_difficulty_level-beginner","rbc_mmm_category-credit-and-borrowing","rbc_mmm_category-money-academy","rbc_mmm_category-understanding-credit-cards"],"acf":{"contently_publication_id":"","custom_author":"RBC","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Have you seen different credit card fees on your statement but have no idea what they are or how they work? This article talks about all the different types of fees associated with a credit card and provides tips on how to avoid them.\" \/>\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.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/5-tips-to-consider-when-choosing-the-best-credit-card-in-canada\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Have you seen different credit card fees on your statement but have no idea what they are or how they work? 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