Showing 524 articles in the ‘Credit Cards 101’ category

Best Flat Rate Credit Cards In Canada

Best Flat Rate Credit Cards In Canada

by Team Genius | Sep 12, 2025

Flat rate cards are often synonymous with everyday credit cards since they’re easy to use and earn you a specified rate on all your purchases. Read on for our top card picks.

Credit Card Balance Transfer or Personal Loan? Which Is Better?

Credit Card Balance Transfer or Personal Loan? Which Is Better?

by Team Genius | Sep 12, 2025

To tell whether a credit card balance transfer or personal loan is right for you, consider the types of debt you have, how much interest you pay, your repayment timeline.

Your Guide to Credit Card Fees in Canada

Your Guide to Credit Card Fees in Canada

by Team Genius | Sep 12, 2025

Never be surprised by unknown fees again! Read through our handy guide on various credit card fees like foreign transaction fees, overlimit fees, late payment fees, and more.

CIBC Adapta Points: Everything You Need To Know

CIBC Adapta Points: Everything You Need To Know

by Team Genius | Sep 12, 2025

The new CIBC Adapta Mastercard earns Adapta points for every purchase you make. You can redeem them for cash back or deposit the rewards into CIBC financial products.

How to Build Your Credit: A Complete Guide

How to Build Your Credit: A Complete Guide

by Team Genius | Sep 12, 2025

If you're wondering how to build your credit, consider using a secured credit card or applying for a credit builder loan, but make sure all payments are full and on time.

Credit Card Interest Calculator: How Much Are You Paying The Banks In Interest?

Credit Card Interest Calculator: How Much Are You Paying The Banks In Interest?

by Team Genius | Sep 10, 2025

Credit card interest can add up fast, so learn about how much you’re paying by experimenting with our interest calculator and making a strategy for repaying your debt.

Is Redeeming For Merchandise Worth It For A Credit Card Points Redemption?

by Team Genius | Sep 8, 2025

Redeeming rewards points for merchandise is an easy way to get something you need for free. But is it the best way to redeem credit card points? We investigate to find out if there are better ways.

How Do Credit Cards Work? Your Full Credit Card Guide

How Do Credit Cards Work? Your Full Credit Card Guide

by Team Genius | Sep 8, 2025

Credit cards are a payment method that allows you to earn rewards, build your credit score, and make large purchases. It’s important to understand how credit cards work.

How Often Does Your Credit Score Update

How Often Does Your Credit Score Update – And Why Does It Fluctuate So Much?

by Team Genius | Sep 8, 2025

Your credit score changes every 30 days or so, which makes sense since your bill payment history, credit utilization, and other impacting factors change regularly too.

The Ultimate Guide to Amex Offers in Canada

The Ultimate Guide to Amex Offers in Canada

by Team Genius | Sep 3, 2025

Amex Offers are limited-time discounts, rebates, or bonus points offered by certain retailers. They offer significant savings and opportunities for exciting experiences.

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