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The Best Travel Credit Cards in Canada 2026

By Barry Choi | September 29, 2026 |

What Happens if I Don’t use my Credit Card

The best travel credit card in Canada for most people is the American Express Cobalt Card, because it earns 5 points per dollar on groceries and dining, and those points transfer to Aeroplan and Marriott Bonvoy. That said, the Cobalt is not a true travel credit card, it’s just really good at earning you points…

Does Applying for a Credit Card Affect Your Credit Score?

By Barry Choi | January 20, 2022 |

When you apply for a credit card you take a hit on your credit score.

Does applying for a credit card affect your credit score? The short answer is yes, but if you have a decent credit score, it really won’t matter. To be perfectly blunt, if you have a good to excellent credit score, applying for additional credit cards shouldn’t be a major concern. For reference, I average six…