{"id":79358,"date":"2026-04-07T07:09:00","date_gmt":"2026-04-07T11:09:00","guid":{"rendered":"https:\/\/hardbacon.ca\/?post_type=product-page&#038;p=79358"},"modified":"2026-04-08T14:57:35","modified_gmt":"2026-04-08T18:57:35","slug":"best-rewards-credit-cards-canada","status":"publish","type":"product-page","link":"https:\/\/hardbacon.ca\/en\/best-rewards-credit-cards-canada\/","title":{"rendered":"Best Rewards Credit Cards"},"content":{"rendered":"\n<section  class=\"section-p \">\n\t<div class=\"container-wide section-p bg-white rounded-md px-2 xs:px-6 md:px-12 lg:px-20 xl:flex xl:gap-20 items-center\">\n\t\t<div class=\"text-center mx-auto mb-16 xl:text-left xl:mb-0\">\n\t\t\t\t\t\t<header class=\"section-head mx-auto\">\n\t\t\t\t<h1 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Best Rewards <span>Credit Cards<\/span> in Canada for Points &#038; Benefits<\/h1>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>The right rewards credit card turns your everyday spending into meaningful value, whether that means travel, flexible points, or straightforward savings.<\/p>\n<p>With so many programs and bonus structures available in Canada, choosing the best option can feel overwhelming. We compare rewards cards based on earning potential, redemption flexibility, fees, and real-world value so you can choose with clarity and confidence.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/credit-cards\/?cc_ct%5B%5D=REWARD\" class=\"whitespace-nowrap button-link-base button-link-filled mt-8\" target=\"_self\">Compare Rewards Credit Cards<\/a>\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/11\/credit-cards-illustration.svg\" class=\"w-full h-auto max-w-[600px] mx-auto rounded-sm\" alt=\"credit-cards-illustration\" loading=\"lazy\" \/>\t\t\t<\/div>\n<\/section>\n\n\n\n\n\n\t<div x-data=\"stickyTocByRange('.sticky-toc-start', '.sticky-toc-end', '!flex')\" :class=\"bannerClasses()\"  @click=\"$store.tocToggle = !$store.tocToggle\" class=\"hidden fixed top-5 lg:bottom-5 lg:top-auto right-5 border-1 border-white text-white rounded-sm bg-accent-green flex p-2 gap-1 cursor-pointer z-[999] shadow-(--shadow)\">\n\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/toc.BnfYFLp4.svg\" loading=\"lazy\" alt=\"Table of content\" class=\"w-3 h-auto\">\n\t\t<span class=\"text-xs\">Table of content<\/span>\n\t<\/div>\n\n\t\t<div x-data class=\"fixed top-0 bottom-0 right-0 z-[999] translate-x-full transition-transform duration-300 ease-out will-change-transform\" :class=\"$store.tocToggle &#038;&#038; '!translate-x-0'\" >\n\t\t<div class=\"relative bg-white h-full py-10 px-8 lg:px-20 flex flex-col justify-center shadow-(--shadow)\">\n\t\t\t<div class=\"flex justify-between items-center mb-10\">\n\t\t\t\t<span class=\"font-medium\">Table of content<\/span>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" loading=\"lazy\" alt=\"Close\" class=\"block p-2 w-12 h-auto cursor-pointer\" @click=\"$store.tocToggle = !$store.tocToggle\">\n\t\t\t<\/div>\n\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_1\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best Overall<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_2\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best Travel<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_3\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best Aeroplan<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_4\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best No Annual Fee<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_5\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Best Premium<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_6\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Canada Reward Programs Basics<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_7\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Maximize Your Benefits<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_8\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Important Considerations<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_9\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Reward Optimization Strategies<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<section  class=\" relative overflow-hidden section-p\">\n\t<div class=\"container\">\n\t\t\t\t\t<header class=\"section-head-center mb-21 lg:mb-36\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-7\">Top Rewards Credit Cards in Canada: <span>Quick Overview<\/span><\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div>\n\t\t\t<div x-data=\"horizontalScrollShadows\" x-init><div x-ref=\"scroller\" @scroll.passive=\"onScroll\" class=\"overflow-x-auto\"><table class=\"simple-table\"><caption class=\"sr-only\">Quick overview of the best rewards credit cards<\/caption><thead><tr><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Category<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>First year value<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Score<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Winner<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Card<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Learn more<\/span>\n                <\/span>\n            <\/th><\/tr><\/thead><tbody><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Best Overall<\/th><td>$816<\/td><td>4.7<\/td><td>American Express Cobalt\u00ae Card<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f46aebc4726ce7207266a75_card\" alt=\"American Express Cobalt\u00ae Card\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_1\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/amex\/american-express-cobalt-card\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Best Travel<\/th><td>$0<\/td><td>4.7<\/td><td>American\u00a0Express\u00ae The Platinum\u00a0Card<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f46c3834726ce7207266a78_card\" alt=\"American\u00a0Express\u00ae The Platinum\u00a0Card\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_2\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/amex\/americanexpress-the-platinumcard\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Best Aeroplan<\/th><td>$672<\/td><td>4.5<\/td><td>TD\u00ae Aeroplan\u00ae Visa Infinite* Card <\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/631783e23fb86e5793a23a43_card\" alt=\"TD\u00ae Aeroplan\u00ae Visa Infinite* Card \" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_3\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/td\/td-aeroplan-visa-infinite-card\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Best No-Annual-Fee<\/th><td>$217<\/td><td>4.3<\/td><td>Neo Mastercard<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/60fed96813fd2f260ff90748_card\" alt=\"Neo Mastercard\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_4\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/neo\/neo-credit\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Best Premium<\/th><td>$586<\/td><td>4.7<\/td><td>Scotiabank Passport\u00ae Visa Infinite +* Card<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f31a9ab92ec22115033b2c2_card\" alt=\"Scotiabank Passport\u00ae Visa Infinite +* Card\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_5\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/scotiabank\/scotiabank-passport-visa-infinite-card\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><\/tbody><\/table><\/div><\/div>\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_1\" class=\"sticky-cta-start sticky-toc-start bg-surface-blue relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\"><span>Best Overall<\/span> Rewards Credit Card in Canada<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>If you want a rewards card that simply delivers the most value across everyday spending, this is the category to pay attention to.<\/p>\n<p>These cards typically offer <strong>high multipliers in common categories<\/strong>, strong welcome bonuses, and flexible points programs that work for both daily life and travel.<\/p>\n<p>Think of this as the \u201cbest all-around performer\u201d slot, the one that earns big without needing multiple cards or complicated strategy.<\/p>\n<h3>Methodology:<\/h3>\n<p>We ranked the top overall rewards card by weighing category earn rates, point flexibility, real-world redemption value, and total first-year return.<\/p>\n<h3>Winner: American Express Cobalt\u00ae Credit Card<\/h3>\n<p>The American Express Cobalt\u00ae Credit Card continues to dominate the rewards category for everyday Canadian spending.<\/p>\n<p>Earn 5x points on groceries, dining, bars, and delivery; 3x on streaming; 2x on transit and gas; and 1x on everything else (monthly caps apply).<\/p>\n<p>The $15.99 monthly fee ($191.88 annually) gives access to exclusive offers and up to 45,000 MR-Select points in the first year, worth about $450 when redeemed for travel at 1\u00a2 per point.<\/p>\n<p>MR-Select points redeem easily for travel, statement credits, or transfers to Marriott Bonvoy (5:6 ratio).<\/p>\n<p>The card also includes travel medical insurance (15 days), collision damage waiver, and extended purchase protection.<\/p>\n<p>According to our analysis, the Cobalt delivers one of the best ongoing earn rates in Canada, even beyond the first-year bonus, making it a standout choice for consistent value year after year.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best Overall<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">American Express Cobalt\u00ae Card<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f46aebc4726ce7207266a75_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Earn high rewards on everyday categories with 5x points on groceries, dining, bars, and delivery, plus additional multipliers on streaming, transit, and gas. Points can be redeemed for travel, statement credits, or transfers to partner programs for strong overall flexibility.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid grid-cols-2 lg:grid-cols-3 gap-4\">\n\t\t\t\t\t<div class=\"relative col-span-2 lg:col-span-1 bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$816<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-5f46aebc4726ce7207266a75')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Welcome bonus<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-xl\">Earn up to 15,000 Membership Rewards\u00ae points<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$666<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-5f46aebc4726ce7207266a75')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $191.88<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>21.99% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>21.99% <span class=\"font-light\">on cash advance<\/span> <\/span>\n\t\t\t\t\t\t\t<span>21.99% <span class=\"font-light\">on balance transfer<\/span> <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>Everyday Canadian spending earns unmatched rewards, the Cobalt now competes as both a domestic and travel powerhouse.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Urban households with high grocery and dining spend who also shop or travel internationally.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You rely on retailers like Costco that only accept Mastercard.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>Scotiabank Gold American Express<\/em>: similar 5x categories plus 0% FX and Scene+ points.<\/li>\n<li><em>RBC Avion Visa Infinite<\/em>: flexible flight rewards and transfer partner options.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/amex\/american-express-cobalt-card\/\" class=\"whitespace-nowrap button-link-base button-link-outline \" >Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/www.americanexpress.com\/ca\/en\/credit-cards\/cobalt-card\/?linknav=ca-en-amex-cardshop-allcards-learn-cobaltCard\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-5f46aebc4726ce7207266a75'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f46aebc4726ce7207266a75_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">American Express Cobalt\u00ae Card &#8211; Amex Bank of Canada<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$1,007.96<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$12<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$360<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$300<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$66<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Additional Bonus:<\/strong> \n                    <span>$149.96<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$191.88<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$816.08<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-5f46aebc4726ce7207266a75'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f46aebc4726ce7207266a75_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">American Express Cobalt\u00ae Card &#8211; Amex Bank of Canada<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$858<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$12<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$360<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$300<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$66<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$191.88<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$666.12<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_2\" class=\" bg-white relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best <span>Travel Rewards<\/span> Credit Cards in Canada<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>Travel rewards cards stand out when your goal is to <strong>turn everyday spending into discounted (or premium) travel<\/strong>.<\/p>\n<p>These cards tend to offer large welcome bonuses, lounge access, insurance, and airline\/hotel transfer partners \u2014 all designed to stretch your travel budget further.<\/p>\n<p>This category highlights the cards that make travel more comfortable, cheaper, and more rewarding.<\/p>\n<h3>Methodology:<\/h3>\n<p>We evaluated travel rewards cards using our travel-value model, focusing on lounge access, transfer partners, insurance depth, and first-year travel value.<\/p>\n<h3>Winner: American Express Platinum\u00ae Card<\/h3>\n<p>The <strong>American Express Platinum\u00ae Card<\/strong> remains Canada\u2019s most powerful travel rewards engine.<\/p>\n<p>Its massive welcome bonus, unmatched lounge access, and premium insurance make it the go-to choice for high-frequency travellers seeking comfort and status worldwide.<\/p>\n<p>Cardholders earn 2x on eligible travel, dining and food delivery purchases in Canada, and 1x on everything else.<\/p>\n<p>The welcome offer on Amex\u2019s site changes periodically and may include a combination of Membership Rewards points and statement credits.<\/p>\n<p>A $200 annual travel credit helps offset the $799 annual fee.<\/p>\n<p>MR points transfer to airline programs for premium-cabin redemptions or can be used directly for travel or statement credits at ~1\u00a2 per point.<\/p>\n<p>The Platinum also provides Priority Pass and Centurion Lounge access, Hilton and Marriott Gold status, and comprehensive travel insurance.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best Travel<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">American\u00a0Express\u00ae The Platinum\u00a0Card<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f46c3834726ce7207266a78_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Earn elevated rewards on eligible travel, dining, and food delivery while accessing premium travel perks, airport lounges, and an annual travel credit. Points can be used for flights, hotel bookings, or transfers to airline partners for high redemption value.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid grid-cols-2 lg:grid-cols-3 gap-4\">\n\t\t\t\t\t<div class=\"relative col-span-2 lg:col-span-1 bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$0<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-5f46c3834726ce7207266a78')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Welcome bonus<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-xl\">Earn up to 130,000 Membership Rewards\u00ae points<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$3<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-5f46c3834726ce7207266a78')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $799<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on cash advance<\/span> <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on balance transfer<\/span> <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>No other Canadian card combines this level of rewards flexibility, elite travel access, and protection benefits in a single package.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Frequent travellers maximizing premium-cabin flight value and lounge access.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You rarely travel or want to avoid the high annual fee.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>Scotiabank Passport Visa Infinite<\/em>: 0% FX fees + six lounge visits annually.<\/li>\n<li><em>RBC Avion Visa Infinite<\/em>: lower fee with flexible airline transfer options.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/amex\/americanexpress-the-platinumcard\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/www.americanexpress.com\/ca\/en\/charge-cards\/the-platinum-card\/?linknav=ca-en-amex-cardshop-allcards-image-thePlatinumCard\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-5f46c3834726ce7207266a78'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f46c3834726ce7207266a78_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">American\u00a0Express\u00ae The Platinum\u00a0Card &#8211; Amex Bank of Canada<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$402<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$12<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$144<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$66<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$799<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>-$397<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-5f46c3834726ce7207266a78'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f46c3834726ce7207266a78_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">American\u00a0Express\u00ae The Platinum\u00a0Card &#8211; Amex Bank of Canada<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$802<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$12<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$144<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$66<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Additional Bonus:<\/strong> \n                    <span>$400<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$799<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$3<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_3\" class=\" bg-surface-blue relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best <span>Aeroplan Rewards<\/span> Credit Cards in Canada<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>If you fly Air Canada even occasionally, Aeroplan cards offer the richest ecosystem of perks, including preferred pricing, free bags, and status boosts.<\/p>\n<p>This category focuses on cards that make Aeroplan points easier to earn and more valuable to redeem, especially on routes where dynamic pricing can offer excellent cents-per-point returns.<\/p>\n<h3>Methodology:<\/h3>\n<p>We ranked the best Aeroplan cards by analyzing earn structures on Air Canada purchases, welcome bonuses, redemption value, and built-in Aeroplan travel perks.<\/p>\n<h3>Winner: TD\u00ae Aeroplan\u00ae Visa Infinite Card<\/h3>\n<p>The TD Aeroplan Visa Infinite Card offers one of the strongest value combinations for Aeroplan members.<\/p>\n<p>A welcome bonus of up to 45,000 points, free first checked bag, and preferred Aeroplan pricing make it a top choice for frequent Air Canada travellers.<\/p>\n<p>Earn 1.5x on groceries, gas, travel, and Air Canada purchases, and 1x on everything else.<\/p>\n<p>The $139 annual fee is often rebated in the first year, making the welcome bonus an even better deal.<\/p>\n<p>Aeroplan points feature no blackout dates, with redemption costs that vary by route and demand.<\/p>\n<p>The card also provides comprehensive travel insurance, status-qualifying miles on spending, and strong purchase protections.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best Aeroplan<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">TD\u00ae Aeroplan\u00ae Visa Infinite* Card <\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/631783e23fb86e5793a23a43_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Earn Aeroplan points on groceries, gas, travel, and Air Canada purchases, with preferred pricing and a strong welcome bonus. Cardholders access travel insurance, status-qualifying perks, and flexible Aeroplan redemptions with no blackout dates.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$672<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-631783e23fb86e5793a23a43')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$533<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-631783e23fb86e5793a23a43')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $139<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"font-light\">(First year rebated)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>20.99% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>22.99% <span class=\"font-light\">on cash advance<\/span>\n\t\t<span x-data=\"tooltip\" @mouseenter=\"open = true\" @mouseleave=\"open = false\" @click=\"open = !open\" class=\"relative inline-flex items-center cursor-pointer\">\n\n\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 transform -translate-y-1 -translate-x-2\">\n\n\t\t\t<!-- Tooltip box -->\n\t\t\t<div x-show=\"open\" x-cloak x-transition @click.outside=\"open = false\" class=\"absolute left-1\/2 top-1\/2 transform -translate-x-1\/2 mt-2 bg-primary-dark text-white text-xs px-3 py-2 rounded-xs shadow-(--shadow) whitespace-nowrap z-50\">\n\t\t\t\tQC: 20.99%\t\t\t<\/div>\n\t\t<\/span>\n\t\t <\/span>\n\t\t\t\t\t\t\t<span>22.99% <span class=\"font-light\">on balance transfer<\/span>\n\t\t<span x-data=\"tooltip\" @mouseenter=\"open = true\" @mouseleave=\"open = false\" @click=\"open = !open\" class=\"relative inline-flex items-center cursor-pointer\">\n\n\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 transform -translate-y-1 -translate-x-2\">\n\n\t\t\t<!-- Tooltip box -->\n\t\t\t<div x-show=\"open\" x-cloak x-transition @click.outside=\"open = false\" class=\"absolute left-1\/2 top-1\/2 transform -translate-x-1\/2 mt-2 bg-primary-dark text-white text-xs px-3 py-2 rounded-xs shadow-(--shadow) whitespace-nowrap z-50\">\n\t\t\t\tQC: 20.99%\t\t\t<\/div>\n\t\t<\/span>\n\t\t <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>A competitive bonus, elite perks, and reliable insurance coverage make it the best overall Aeroplan option for everyday flyers.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Air Canada loyalists and frequent travellers looking to earn and redeem Aeroplan points regularly.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You prefer fixed-value redemptions or want 0% foreign transaction fees.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>CIBC Aeroplan Visa Infinite<\/em>: nearly identical benefits with rotating promotions.<\/li>\n<li><em>Amex Cobalt or Platinum<\/em>: transfer MR points to Aeroplan for flexible accumulation.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/td\/td-aeroplan-visa-infinite-card\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/www.td.com\/ca\/en\/personal-banking\/products\/credit-cards\/aeroplan\/aeroplan-visa-infinite-card\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-631783e23fb86e5793a23a43'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/631783e23fb86e5793a23a43_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">TD\u00ae Aeroplan\u00ae Visa Infinite* Card  &#8211; TD<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$672<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$24<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$180<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$216<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$132<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$672<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-631783e23fb86e5793a23a43'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/631783e23fb86e5793a23a43_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">TD\u00ae Aeroplan\u00ae Visa Infinite* Card  &#8211; TD<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$672<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$24<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$180<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$216<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$132<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$139<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$533<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_4\" class=\" bg-white relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best <span>No-Annual-Fee<\/span> Rewards Credit Cards in Canada<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>Rewards without an annual fee are all about <strong>effortless value<\/strong>.<\/p>\n<p>These cards prioritize partner networks, cash-back simplicity, or flexible everyday earning \u2014 without locking you into a yearly cost.<\/p>\n<p>Expect modern apps, instant redemption options, and easy qualification, especially for newer credit builders or anyone optimizing their wallet.<\/p>\n<h3>Methodology:<\/h3>\n<p>We compared no-fee rewards cards by looking at average earn rates, partner coverage, redemption ease, and total value with $0 annual fee.<\/p>\n<h3>Winner: Neo Credit Card<\/h3>\n<p>The Neo Credit Card stands out for its modern, app-driven rewards ecosystem and $0 annual fee.<\/p>\n<p>It delivers varying cash back at partner merchants (often 4\u20135% or higher) and a base earn rate on all other purchases.<\/p>\n<p>Transactions in currencies other than Canadian dollars are subject to a 3% foreign currency conversion fee.<\/p>\n<p>Rewards appear instantly in the mobile app and can be redeemed anytime as cash credits.<\/p>\n<p>Optional monthly insurance add-ons like cell phone protection or roadside assistance expand flexibility for users who want extra coverage.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best No-Annual-Fee<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">Neo Mastercard<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/60fed96813fd2f260ff90748_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Earn dynamic cash back at partner merchants, often between 4\u20135%, with a base earn rate on all other purchases. Rewards appear instantly in the Neo app and can be redeemed at any time with no annual fee.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$217<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-60fed96813fd2f260ff90748')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$192<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-60fed96813fd2f260ff90748')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $0<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>19.99% <span class=\"font-light\">on purchase<\/span>\n\t\t<span x-data=\"tooltip\" @mouseenter=\"open = true\" @mouseleave=\"open = false\" @click=\"open = !open\" class=\"relative inline-flex items-center cursor-pointer\">\n\n\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 transform -translate-y-1 -translate-x-2\">\n\n\t\t\t<!-- Tooltip box -->\n\t\t\t<div x-show=\"open\" x-cloak x-transition @click.outside=\"open = false\" class=\"absolute left-1\/2 top-1\/2 transform -translate-x-1\/2 mt-2 bg-primary-dark text-white text-xs px-3 py-2 rounded-xs shadow-(--shadow) whitespace-nowrap z-50\">\n\t\t\t\tQC: Between 19.99%-24.99%\t\t\t<\/div>\n\t\t<\/span>\n\t\t <\/span>\n\t\t\t\t\t\t\t<span>22.99% <span class=\"font-light\">on cash advance<\/span>\n\t\t<span x-data=\"tooltip\" @mouseenter=\"open = true\" @mouseleave=\"open = false\" @click=\"open = !open\" class=\"relative inline-flex items-center cursor-pointer\">\n\n\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 transform -translate-y-1 -translate-x-2\">\n\n\t\t\t<!-- Tooltip box -->\n\t\t\t<div x-show=\"open\" x-cloak x-transition @click.outside=\"open = false\" class=\"absolute left-1\/2 top-1\/2 transform -translate-x-1\/2 mt-2 bg-primary-dark text-white text-xs px-3 py-2 rounded-xs shadow-(--shadow) whitespace-nowrap z-50\">\n\t\t\t\tQC: Between 22.99%-25.99%\t\t\t<\/div>\n\t\t<\/span>\n\t\t <\/span>\n\t\t\t\t\t\t\t<span>22.99% <span class=\"font-light\">on balance transfer<\/span>\n\t\t<span x-data=\"tooltip\" @mouseenter=\"open = true\" @mouseleave=\"open = false\" @click=\"open = !open\" class=\"relative inline-flex items-center cursor-pointer\">\n\n\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 transform -translate-y-1 -translate-x-2\">\n\n\t\t\t<!-- Tooltip box -->\n\t\t\t<div x-show=\"open\" x-cloak x-transition @click.outside=\"open = false\" class=\"absolute left-1\/2 top-1\/2 transform -translate-x-1\/2 mt-2 bg-primary-dark text-white text-xs px-3 py-2 rounded-xs shadow-(--shadow) whitespace-nowrap z-50\">\n\t\t\t\tQC: Between 22.99%-25.99%\t\t\t<\/div>\n\t\t<\/span>\n\t\t <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>Neo\u2019s dynamic partner network and instant cash-back experience offer the best blend of simplicity and modern flexibility among Canada\u2019s no-fee cards.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Fee-averse users who engage with partner offers through the Neo app.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You want robust travel insurance or consistent high earn rates across all merchants.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>Rogers World Elite Mastercard<\/em>: 1.5% flat rewards and 3% on USD purchases.<\/li>\n<li><em>Tangerine Money-Back Credit Card<\/em>: 2% back in up to three chosen categories.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/neo\/neo-credit\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/62b3aa8efd5a9d001bb4958b\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-60fed96813fd2f260ff90748'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/60fed96813fd2f260ff90748_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Neo Mastercard &#8211; Neo Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$217<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$12<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Additional Bonus:<\/strong> \n                    <span>$25<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$217<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-60fed96813fd2f260ff90748'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/60fed96813fd2f260ff90748_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Neo Mastercard &#8211; Neo Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$192<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$12<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$0<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$192<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_5\" class=\" bg-surface-blue relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best <span>Premium Rewards<\/span> Credit Cards in Canada<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>Premium rewards cards earn their keep through <strong>travel upgrades, insurance depth, lounge access, and frictionless international spending<\/strong>.<\/p>\n<p>These cards are designed for people who travel often enough to take advantage of the perks \u2014 and who want a noticeably better airport and hotel experience without jumping to ultra-premium $700+ cards.<\/p>\n<h3>Methodology:<\/h3>\n<p>We evaluated premium rewards cards by comparing lounge access, insurance strength, FX fees, annual credits, and overall return versus annual cost.<\/p>\n<h3>Winner: Scotiabank Passport\u2122 Visa Infinite Card<\/h3>\n<p>The Scotiabank Passport Visa Infinite offers a strong mix of travel perks and convenience, led by its 0% foreign transaction fees (a rare benefit among Visa cards) plus six annual airport lounge visits and comprehensive travel insurance.<\/p>\n<p>Cardholders earn 2x Scene+ points on groceries, dining, entertainment, and transit, and 1x on all other purchases.<\/p>\n<p>The $150 annual fee is offset by a welcome bonus worth up to 45,000 Scene+ points (~$450) after meeting spending requirements.<\/p>\n<p>This card charges no foreign transaction fees, and Scene+ points redeem at a fixed 100 points = $1 toward travel purchases.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best Premium<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">Scotiabank Passport\u00ae Visa Infinite +* Card<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f31a9ab92ec22115033b2c2_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>Earn 2x Scene+ points on everyday categories such as groceries, dining, entertainment, and transit, with no foreign transaction fees. Cardholders also receive six annual lounge visits and strong travel insurance coverage for added value.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid grid-cols-2 lg:grid-cols-3 gap-4\">\n\t\t\t\t\t<div class=\"relative col-span-2 lg:col-span-1 bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$586<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-5f31a9ab92ec22115033b2c2')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Welcome bonus<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-xl\">Earn up to $1,250 in value<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$336<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-5f31a9ab92ec22115033b2c2')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $150<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>20.99% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>22.99% <span class=\"font-light\">on cash advance<\/span> <\/span>\n\t\t\t\t\t\t\t<span>22.99% <span class=\"font-light\">on balance transfer<\/span> <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>It combines excellent Visa acceptance, strong insurance, and meaningful perks like lounge access, all without foreign transaction fees or ultra-premium costs.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Frequent travellers seeking 0% FX fees and solid perks under $200 annually.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You want transfer partners or luxury-tier concierge experiences.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>Amex Platinum<\/em>: unmatched perks and larger bonuses at a higher price.<\/li>\n<li><em>RBC Avion Visa Infinite<\/em>: flexible travel points with regular transfer bonuses.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/scotiabank\/scotiabank-passport-visa-infinite-card\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6924a7e67522321bf30d8fa0\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-5f31a9ab92ec22115033b2c2'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f31a9ab92ec22115033b2c2_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Scotiabank Passport\u00ae Visa Infinite +* Card &#8211; Scotiabank<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$736<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$24<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$216<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$66<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Additional Bonus:<\/strong> \n                    <span>$250<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$150<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$586<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-5f31a9ab92ec22115033b2c2'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f31a9ab92ec22115033b2c2_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">Scotiabank Passport\u00ae Visa Infinite +* Card &#8211; Scotiabank<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$486<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$24<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$216<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$66<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$150<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$336<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section class=\" bg-surface-pink py-8 shadow-(--shadow)\">\n\t<div class=\"container-wide flex items-center gap-5\">\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-150x150.webp\" width=\"80\" height=\"80\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-300x300.webp 2x\" alt=\"Mathieu Laliberte-Robert\" class=\"avatar avatar-80 wp-user-avatar wp-user-avatar-80 alignnone photo rounded-full\" \/>\t\t<div class=\"flex flex-col gap-1 text-sm\">\n\t\t\t<span>Written by <strong>Mathieu Laliberte-Robert<\/strong><\/span>\n\t\t\t<span>Updated on <strong>April 8, 2026<\/strong><\/span>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_6\" class=\" section-p rounded\">\n\t<div class=\"container\">\n\t\t\t\t<header class=\"section-head-center\">\n\t\t\t<h2 class=\"capitalize tracking-[-2px] mb-20\"><span>Understanding<\/span> Canadian Reward Programs<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"bg-surface-blue py-11 px-9 lg:p-20 rounded prose prose-primary max-w-[var(--section-head-w)] mx-auto\">\n\t\t\t<p>Canada\u2019s rewards landscape centers around several major programs, each with distinct strengths and optimal use cases.<\/p>\n<p>Understanding these programs helps you maximize redemption value and choose cards that align with your preferences.<\/p>\n<p><strong>Aeroplan<\/strong> remains Canada\u2019s largest travel program, operated by Air Canada with dynamic pricing that fluctuates based on demand.<\/p>\n<p>Points typically deliver 1.4\u20132.0\u00a2 value for flight redemptions, with peak value on premium cabin international flights.<\/p>\n<p>The program\u2019s strength lies in Star Alliance partner access and comprehensive North American route coverage.<\/p>\n<p><strong>Scene+<\/strong> emerged from Scotiabank and Cineplex\u2019s merger, offering one of Canada\u2019s most flexible redemption options.<\/p>\n<p>The fixed 1\u00a2 per point value for travel provides certainty, while partnerships with participating co-ops, restaurants, and entertainment venues create diverse earning opportunities beyond credit cards.<\/p>\n<p><strong>Air Miles<\/strong> focuses on everyday spending with grocery store partnerships and household goods redemptions.<\/p>\n<p>While flight options exist, the program often delivers better value for cash equivalent redemptions and merchandise, particularly for families focused on reducing daily expenses.<\/p>\n<p><strong>PC Optimum<\/strong> dominates grocery spending through Loblaws banner stores, offering some of Canada\u2019s highest grocery earning rates.<\/p>\n<p>The program works best for households with concentrated grocery spending at participating retailers.<\/p>\n<h3>Aeroplan vs Air Miles vs Scene+<\/h3>\n<p>These three programs represent different philosophies in rewards optimization:<\/p>\n<p><strong>Aeroplan<\/strong> excels for serious travelers willing to navigate dynamic pricing for premium flight experiences.<\/p>\n<p>Point values vary significantly based on routes and booking timing, with skilled users achieving 2.0\u00a2+ per point on business class international flights while casual users might see 1.2\u20131.4\u00a2 value.<\/p>\n<p><strong>Air Miles Cash<\/strong> rewards have a fixed value of 95 Miles = $10, or about 10.5\u00a2 per Mile, making budgeting predictable.<\/p>\n<p>The program suits households prioritizing everyday savings over travel luxury, with strong grocery earning potential through Metro, Sobeys, and other partners.<\/p>\n<p><strong>Scene+<\/strong> offers the best balance of flexibility and value certainty.<\/p>\n<p>The guaranteed 1\u00a2 per point for travel removes redemption guesswork while maintaining competitive earning rates across multiple card options.<\/p>\n<p>Entertainment partnerships add unique redemption opportunities not available elsewhere.<\/p>\n<p><strong>Choose Aeroplan if you\u2019re comfortable with complexity for potentially higher rewards, Air Miles for consistent everyday value, or Scene+ for simplicity with solid returns.<\/strong><\/p>\n<h3>How to Choose the Best Rewards Credit Card for You<\/h3>\n<p>Selecting the optimal rewards credit card requires honest assessment of your spending patterns, financial habits, and lifestyle priorities.<\/p>\n<p>The best rewards credit card for your neighbor might be completely wrong for your situation.<\/p>\n<p>Start by tracking your spending across key categories for 2\u20133 months.<\/p>\n<p>Most Canadians spend heavily on groceries ($400\u2013800 monthly), dining ($200\u2013500 monthly), and gas ($150\u2013300 monthly).<\/p>\n<p>These categories often offer the highest bonus earning rates, making category alignment crucial for maximizing value.<\/p>\n<p>Consider your comfort with complexity. Cards like the Amex Cobalt offer exceptional earning potential but require managing monthly fee structures and category caps.<\/p>\n<p>No-fee cards like the Tangerine Money-Back provide simplicity but may leave money on the table for high spenders.<\/p>\n<p>Evaluate your travel patterns honestly. If you fly internationally 2+ times yearly, premium travel cards with lounge access and elite status benefits may justify their higher annual fees.<\/p>\n<p>Domestic travelers or occasional vacationers often get better value from flexible points programs or straight cash back.<\/p>\n<p>Calculate the break-even point for annual fee cards.<\/p>\n<p>A card with a $150 annual fee needs to generate at least $150 more in rewards than free alternatives to justify the cost.<\/p>\n<p>Factor welcome bonuses, ongoing earning rates, and valuable perks like foreign transaction fee waivers into your analysis.<\/p>\n<h3>Calculating Your Rewards Potential<\/h3>\n<p>Use this framework to estimate annual rewards value:<\/p>\n<p><strong>Monthly spending \u00d7 category multiplier \u00d7 point value \u00d7 12 months = annual category rewards<\/strong><\/p>\n<p>For example, spending $600 monthly on groceries with the Amex Cobalt: $600 \u00d7 5x \u00d7 $0.01 \u00d7 12 = $360 annual grocery rewards.<\/p>\n<p>Add welcome bonuses divided by years you\u2019ll likely keep the card: $450 welcome bonus \u00f7 2 years = $225 annual equivalent.<\/p>\n<p>Subtract annual fees: $360 + $225 \u2212 $156 = $429 net annual value.<\/p>\n<p>Compare this calculation across your top card choices, ensuring you account for all significant spending categories and realistic redemption values.<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"anchor_7\" class=\" section-p\">\n\t<div class=\"container-wide section-p rounded xl:bg-surface-green\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Maximizing<\/span> Your Rewards Credit Card Benefits<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Strategic rewards optimization goes beyond simply choosing the right card.<\/p>\n<p>Implementing smart usage patterns can significantly boost your annual rewards without changing your spending habits.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ol class=\"bg-surface-green rounded p-7 py-12 lg:px-10 lg:py-14 xl:pb-0 grid lg:max-w-[var(--container-default-2xl)] lg:mx-auto lg:grid-cols-2 auto-rows-auto gap-x-20 gap-y-16 xl:gap-y-20 xl:gap-x-32\">\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">01<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Category Stacking<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Category stacking means using multiple cards for their highest-earning categories.<\/p>\n<p>&nbsp;<\/p>\n<p>For example, combine the <strong>Amex Cobalt<\/strong> for 5x rewards on groceries and dining, the <strong>Scotiabank Passport Visa Infinite<\/strong> for foreign purchases with 0% transaction fees, and a flat-rate card for all other spending.<\/p>\n<p>&nbsp;<\/p>\n<p>This strategy requires organization but can boost total rewards by 20% to 40%.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">02<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Welcome Bonus Timing<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Plan card applications around large, planned purchases such as home renovations or travel bookings.<\/p>\n<p>&nbsp;<\/p>\n<p>Doing so helps you meet spending requirements naturally and earn welcome bonuses worth hundreds of dollars each year.<\/p>\n<p>&nbsp;<\/p>\n<p>Avoid artificial spending patterns that could trigger fraud alerts or violate card terms.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">03<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Redemption Optimization<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Redemption value differs widely across programs. <strong>Aeroplan points<\/strong>, for instance, may be worth around 1.2 cents for domestic economy flights or up to 2.5 cents for international business class.<\/p>\n<p>&nbsp;<\/p>\n<p>Always compare the cash price against the points required and look for transfer bonuses between loyalty programs to increase value.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">04<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Bill Payment Strategies<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Services like <strong>Chexy<\/strong> let you pay rent and utilities with your credit card, earning rewards on expenses that normally do not qualify.<\/p>\n<p>&nbsp;<\/p>\n<p>These services charge small processing fees, but they can be worthwhile if your card earns strong rewards on everyday spending categories.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ol>\n\t\t\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_8\" class=\" bg-white section-p\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Important Considerations<\/span> When Applying<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Successfully obtaining rewards credit cards requires understanding issuer preferences, timing applications strategically, and presenting your financial profile optimally.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ul x-data=\"accordionGroup([])\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(0)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-6 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bg-primary-accent rounded-full flex items-center justify-center w-[45px] h-[45px] p-3 lg:w-[80px] lg:h-[80px] lg:p-4 \">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/credit-score-white.svg\" alt=\"Credit Score Requirements\" class=\"w-4\/5 lg:w-3\/5 h-auto object-contain\" loading=\"lazy\" \/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Credit Score Requirements<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(0)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(0)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(0)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 px-20 lg:px-36\"><p>Credit score requirements vary widely between cards. No-fee cards usually accept scores of 650 or higher, while premium cards often need 720 or above. Check your credit score through free services before applying, and build your credit history with easier-to-qualify cards before moving on to premium options.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(1)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-6 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bg-primary-accent rounded-full flex items-center justify-center w-[45px] h-[45px] p-3 lg:w-[80px] lg:h-[80px] lg:p-4 \">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/09\/money-pile-white-1.svg\" alt=\"Income Thresholds\" class=\"w-4\/5 lg:w-3\/5 h-auto object-contain\" loading=\"lazy\" \/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Income Thresholds<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(1)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(1)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(1)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 px-20 lg:px-36\"><p>Minimum annual income requirements are not always disclosed but generally start around $12,000 for basic cards. Visa Infinite cards typically require $60,000 in personal income or $100,000 in household income, while World Elite Mastercard cards often require $80,000 personal or $150,000 household income. Include household income where allowed to strengthen your application.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(2)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-6 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bg-primary-accent rounded-full flex items-center justify-center w-[45px] h-[45px] p-3 lg:w-[80px] lg:h-[80px] lg:p-4 \">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/comprehensive-documentation-white.svg\" alt=\"Application Timing\" class=\"w-4\/5 lg:w-3\/5 h-auto object-contain\" loading=\"lazy\" \/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Application Timing<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(2)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(2)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(2)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 px-20 lg:px-36\"><p>Spacing out credit card applications helps prevent multiple hard inquiries from appearing at once. Apply every three to six months, and avoid submitting multiple applications to the same issuer at the same time. Some banks also limit how many new accounts they approve within a set period.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(3)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-6 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bg-primary-accent rounded-full flex items-center justify-center w-[45px] h-[45px] p-3 lg:w-[80px] lg:h-[80px] lg:p-4 \">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/personal-risk-factors-white.svg\" alt=\"Financial Profile and Relationships\" class=\"w-4\/5 lg:w-3\/5 h-auto object-contain\" loading=\"lazy\" \/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Financial Profile and Relationships<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(3)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(3)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(3)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 px-20 lg:px-36\"><p>A stable financial background improves approval odds for premium cards. Maintain steady employment, keep your debt-to-income ratio healthy, and aim to use less than 30% of your available credit across all accounts. Existing relationships with banks can also help, as customers often receive targeted pre-approved offers with better terms.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\n\t\t\n\t<\/div>\n<\/section>\n\n\n\n\n<section id=\"anchor_9\" class=\" section-p\">\n\t<div class=\"container-wide section-p rounded xl:bg-surface-green\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Advanced Strategies<\/span> for Reward Optimization<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ol class=\"bg-surface-green rounded p-7 py-12 lg:px-10 lg:py-14 xl:pb-0 grid lg:max-w-[var(--container-default-2xl)] lg:mx-auto lg:grid-cols-2 auto-rows-auto gap-x-20 gap-y-16 xl:gap-y-20 xl:gap-x-32\">\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">01<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Product Change Strategies<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Product changes can help you access multiple welcome bonuses from the same issuer over time.<\/p>\n<p>&nbsp;<\/p>\n<p>Some banks allow switching between card products, which can provide new bonuses without closing existing accounts or affecting credit history.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">02<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Family Account Coordination<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Adding authorized users or supplementary cards allows households to consolidate spending on the most rewarding cards while helping family members build credit history.<\/p>\n<p>&nbsp;<\/p>\n<p>Make sure authorized users understand which spending categories earn the most to maximize total rewards.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">03<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Seasonal Optimization<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Timing applications and large purchases around promotional periods can significantly increase bonus value.<\/p>\n<p>&nbsp;<\/p>\n<p>Credit card issuers often enhance welcome offers during peak seasons or competitive campaigns, sometimes adding 25% to 50% more value for new applicants.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">04<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Points Pooling Opportunities<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Pooling or transferring points among family members can unlock higher-value redemptions.<\/p>\n<p>&nbsp;<\/p>\n<p>Some loyalty programs allow points to be combined between accounts, enabling larger balances that qualify for premium travel rewards or exclusive offers.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ol>\n\t\t\t<\/div>\n<\/section>\n\n\n<section  class=\"section-p sticky-cta-end sticky-toc-end\">\n\t<div class=\"container-wide section-p bg-white rounded-md px-2 xs:px-6 md:px-12 lg:px-20 xl:flex xl:gap-20 items-center\">\n\t\t<div class=\"text-center mx-auto mb-16 xl:text-left xl:mb-0\">\n\t\t\t\t\t\t<header class=\"section-head mx-auto\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Final <span>Thoughts<\/span><\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Canada\u2019s rewards credit card market offers excellent opportunities for those who align their spending with the right earning strategy.<\/p>\n<p>Start by analyzing your spending, estimate potential rewards, and focus on one well-matched card before expanding your strategy.<\/p>\n<p>Consistent use, smart redemptions, and staying informed about program changes can turn everyday spending into long-term financial gains.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/credit-cards\/?cc_ct%5B%5D=REWARD\" class=\"whitespace-nowrap button-link-base button-link-filled mt-8\" target=\"_self\">Compare Rewards Credit Cards<\/a>\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/11\/credit-cards-illustration.svg\" class=\"w-full h-auto max-w-[600px] mx-auto rounded-sm\" alt=\"credit-cards-illustration\" loading=\"lazy\" \/>\t\t\t<\/div>\n<\/section>\n\n\n<section class=\" section-p\">\n\t<div class=\"container-wide bg-surface-pink relative section-p px-5 sm:px-10 lg:px-20 rounded relative lg:flex items-start gap-20\">\n\t\t<div class=\"shrink-0\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-300x300.webp\" width=\"190\" height=\"190\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-768x768.webp 2x\" alt=\"Mathieu Laliberte-Robert\" class=\"avatar avatar-190 wp-user-avatar wp-user-avatar-190 alignnone photo rounded-full mb-7 lg:mb-0\" \/>\t\t<\/div>\n\t\t<div class=\"grow\">\n\t\t\t<div class=\"flex items-end justify-between mb-4 border-b pb-4\">\n\t\t\t\t<h6 class=\"leading-none text-2xl\">Mathieu Laliberte-Robert<\/h6>\n\n\t\t\t\t\t\t\t\t\t<div class=\"absolute lg:static top-16 right-6 items-end flex flex-col lg:flex-row gap-4\">\n\t\t\t\t\t\t<a href=\"mailto:info@plutera.ca\" class=\"whitespace-nowrap button-link-sm-base button-link-outline \" >Email<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"mt-8 2xl:flex items-start justify-between\">\n\t\t\t\t\t\t\t\t\t<p class=\"2xl:max-w-[800px]\">Mathieu is a finance and digital marketing professional with experience across banking, investment services, and financial product marketing. He previously worked with organizations such as National Bank, Manulife Securities, and Accenture. He is part of the leadership team at Hardbacon, where he contributes to editorial strategy and financial content aimed at helping Canadians make informed decisions.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" bg-white section-p overflow-hidden\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Insights<\/span> and Useful Articles<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Hardbacon makes managing your money easier by combining comprehensive financial tools, unbiased comparisons and personalized insights.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div x-data=\"tabs(0)\">\n\t\t\t<div class=\"flex flex-wrap justify-center gap-4 lg:gap-6 mb-20 lg:mb-24 borer-b border-primary-dark\">\n\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 0 )\" :class=\"isActive( 0 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Credit Cards<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 1 )\" :class=\"isActive( 1 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Budget<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 2 )\" :class=\"isActive( 2 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Investing<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 3 )\" :class=\"isActive( 3 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Financial planning<\/button>\t\t\t\t\t\t\t<\/div>\n\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(0)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/wealthsimple-cash-review-2021-go-or-no-go\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Wealthsimple prepaid card showed on an iPhone screen and besides is a pile of coins\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Wealthsimple Prepaid Mastercard: My Experience with Wealthsimple Chequing account                <\/h3>\n\n                                    <p class=\"excerpt\">Wealthsimple is a Canadian fintech known for its investment app. Today, it offers many other products. I&#8217;ve had a Wealthsimple account for several years and applied for the Wealthsimple prepaid Mastercard in August 2025. How does it compare with the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/koho-visa-vs-wealthsimple-cash\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"KOHO prepaird card on the left againts yellow background and Wealthsimple Cash card on the right against a blue background\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    KOHO Mastercard Versus Wealthsimple Cash: Which Prepaid Card Is Right for You?                <\/h3>\n\n                                    <p class=\"excerpt\">KOHO and Wealthsimple are some of the first names that come to mind when you think of prepaid cards in Canada. These two companies are often compared despite the fact that they are not similar. On the one hand, KOHO\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/black-card\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"black credit cards\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 8 Best Black Credit Cards in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Black credit cards are the ultimate status symbol. Often rare and exclusive, they\u2019re designed for the rich and are considered prestigious. Plus, they come with some great perks including special discounts and premium benefits not available with a standard card.\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/easiest-credit-card-to-get-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-1024x576.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Credit Cards\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-1024x576.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-300x169.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-768x432.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-1536x864.jpg 1536w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-2048x1152.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 8 Easiest Credit Cards to Get in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Qualifying for a new credit card can be tough. What are the easiest credit cards to get in Canada? Whether you have insufficient credit history or a poor credit score, it can be difficult to determine exactly which cards you\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/costco-credit-card\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"New CIBC Costco Credit Card\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The CIBC Costco Credit Card: Benefits and Alternatives                <\/h3>\n\n                                    <p class=\"excerpt\">The CIBC Costco credit card comes with great rewards and can reduce your bill if you shop at Costco often. But if you shop at several different locations, take the time to compare it to other store credit cards. Quick\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/credit-cards\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(1)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/tariffs-canada-what-costs-more\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3.webp\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3.webp 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3-300x200.webp 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3-768x512.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Tariffs in Canada, explained: which ones actually raise your prices (and what to do)                <\/h3>\n\n                                    <p class=\"excerpt\">Prices are up, and every headline says &#8220;tariffs&#8221;. But two sets of tariffs are in the news, and only one of them can show up on a store shelf. This guide explains which one reaches your cart, how to tell\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/couponing-sites-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"canadian couponing\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 25 Best Canadian Coupon Sites and Apps in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Whether you need to or just like to save, there are countless canadian coupon sites and apps that offer the same thing: savings, points, coupons, or some combination of the three. In times like these, saving money is at the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/sell-gift-cards-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-1024x684.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"a group of cards with flowers on them next to a green plant\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-1024x684.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-768x513.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Best Websites to Sell Gift Cards in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Gee, thanks for the gift card. I mean, a gift card is a nice gift to receive but it may not always be the right one. There are many reasons why someone may wish to sell gift cards in Canada.\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/its-time-to-say-goodbye\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-1024x1024.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-1024x1024.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-300x300.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-150x150.png 150w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-768x768.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere.png 1079w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The End of a Chapter for Hardbacon                <\/h3>\n\n                                    <p class=\"excerpt\">It is with a heavy heart that I write my last post for Hardbacon. Indeed, all employees of Hardbacon (Bacon Financial Technologies Inc.) have been let go, and our operations are now suspended. The company will declare bankruptcy in the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/how-much-does-it-cost-to-support-a-future-figure-skating-athlete\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    How Much Does it Cost to Support a Future Figure Skating Athlete?                <\/h3>\n\n                                    <p class=\"excerpt\">With only 1 in 5 young people in Quebec considered active, the cost of recreational sports is one of the main factors holding them back. Having the support of their parents, on the other hand, acts as a propellant for\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/budget\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(2)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/best-options-trading-platforms-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"a black square with white text on it next to a pen and calculator\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 8 Best Options Trading Platforms in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Navigating the labyrinthine world of options trading can be a daunting task in Canada. From the uninitiated beginner to the seasoned investor, everyone needs a reliable platform that aligns with their trading goals, offers robust tools, and doesn\u2019t break the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/questrade-vs-wealthsimple\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple.webp\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple.webp 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple-300x200.webp 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple-768x512.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Questrade VS Wealthsimple: Which Online Broker Should You Choose?                <\/h3>\n\n                                    <p class=\"excerpt\">Online brokerage has grown in popularity in recent years, driving down trading costs between fiercely competitive platforms. There are now a wide variety of online brokers on the Canadian market, with different prices, features and tools. With the arrival of\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/a-review-of-wealthsimple\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"624\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-1024x624.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"review of wealth simple\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-1024x624.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-300x183.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-768x468.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-1536x936.jpg 1536w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade.jpg 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    A review of Wealthsimple                <\/h3>\n\n                                    <p class=\"excerpt\">Wealthsimple is an online investing service founded by Michael Katchen in 2014 in Toronto. Today the company has over $70 billion in assets under administration. Wealthsimple stood out from the start by offering smart and simple investing without the high\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/the-ultimate-guide-to-etfs-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"exchange traded funds\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Understanding Canadian ETFs to Increase your Wealth                <\/h3>\n\n                                    <p class=\"excerpt\">Exchange-traded funds (ETFs) are the new darling of self-directed investors. Although they were first introduced several years ago, the democratization of investing has made it easier than ever to buy ETFs. Are ETFs really beneficial? What are their limitations? How\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/guide-to-rrsp-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"RRSP- a yellow piggy bank with a coin and a dollar sign\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    How to Use the RRSP to Save on Taxes and Retire Rich                <\/h3>\n\n                                    <p class=\"excerpt\">A registered retirement saving plan (RRSP) is, for most of us, the first step towards saving for our golden years. The RRSP is a registered investment account that carries many tax benefits. The primary purpose is to shelter a portion\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/investing\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(3)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/free-canadian-tax-softwares\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"719\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-1024x719.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Desk with tax forms and calculator for financial planning\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-1024x719.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-300x211.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-768x540.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Best Free Canadian Tax Softwares                <\/h3>\n\n                                    <p class=\"excerpt\">For most people, doing their taxes is a thankless task. Fortunately, there are free tax software programs that make it easy to calculate and file your taxes online. We recommend that you choose a software that is easy to use,\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/best-tax-return-software-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 6 Best Tax Return Software in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">To file quickly, easily, and without a blinding migraine, choosing the best tax return software in Canada is crucial. Tax season is the most dreaded time of year, with many of us hoping to bypass the annual state of confusion\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/old-age-security\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Guide to old age security in 2023\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The New Guide to Old Age Security                <\/h3>\n\n                                    <p class=\"excerpt\">What is Old Age Security? Times are tough, especially when you stop working. Your income goes down while prices go up. Old Age Security (OAS), sometimes called Old Age Pension, is money you might receive from the government when you\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/cost-of-divorce-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"A man and woman standing face to face, displaying depression and anxiety between them\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    What Is the Cost of a Divorce in Canada?                <\/h3>\n\n                                    <p class=\"excerpt\">Going through a divorce can drain you emotionally and financially. By understanding the costs involved, you can decide what to fight for and what to do yourself. In Canada, divorce costs can vary from $1,000 to $25,000 and up, depending\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/staycation-tax-credit\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Ontario staycation tax credit\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Ontario Staycation Tax Credit: What You Need To Know in 2022                <\/h3>\n\n                                    <p class=\"excerpt\">If you are a resident of Ontario and are planning a short trip anytime soon, you may consider opting for a staycation in the province. At least you get to receive some money back from the Ontario government for enjoying\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/financial-planning\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/section>\n\n\n\n<section  class=\" bg-primary-dark section-p\">\n\t<div class=\"container-wide bg-white section-p  rounded py-16 pb-0 md:pb-16 relative overflow-hidden\">\n\t\t<div class=\"mb-20 xl:mb-0 px-6 md:px-12 lg:px-20 xl:max-w-[50%] 2xl:max-w-[45%]\">\n\t\t\t\t\t\t<header class=\"section-head mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Your financial journey starts <span>here<\/span>.<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Sign up for our newsletter and get practical tips, tools, and insights to help you make better money decisions.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t<div class=\"mt-18\" x-data=\"newsletterSubscribe\">\n\t\t\t\t<form x-show=\"!submitted\" class=\"max-w-[650px] mx-auto\" @submit.prevent=\"onSubmit\">\n\t\t\t\t\t<!-- Step 1 -->\n\t\t\t\t\t<div class=\"flex flex-col gap-4 items-start\" x-show=\"step === 1\" x-cloak>\n\t\t\t\t\t\t<label for=\"newsletter-privince\" class=\"font-medium text-lg\">Select your province<\/label>\n\t\t\t\t\t\t<select x-model=\"province\" name=\"province\" id=\"newsletter-privince\" class=\"shadow-(--shadow) rounded-(--radius-2xl) h-[66px] bg-white px-6 focus:outline-none w-full\">\n\t\t\t\t\t\t\t<option value=\"\" disabled>Your province<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"ab\">Alberta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"bc\">British Columbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"mb\">Manitoba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"nb\">New Brunswick<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"ns\">Nova Scotia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"on\">Ontario<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"pe\">Prince Edward Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"qc\">Quebec<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"sk\">Saskatchewan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/select>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!-- Step 2 -->\n\t\t\t\t\t<div class=\"flex flex-col gap-4 items-start\" x-show=\"step === 2\" x-cloak>\n\t\t\t\t\t\t<span class=\"font-medium text-lg\">What are you looking for?<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-wrap gap-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-SAVE_MONEY\" name=\"interests[]\" value=\"SAVE_MONEY\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-SAVE_MONEY\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Save Money<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-CREDIT_CARDS\" name=\"interests[]\" value=\"CREDIT_CARDS\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-CREDIT_CARDS\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Credit Cards<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-INSURANCE\" name=\"interests[]\" value=\"INSURANCE\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-INSURANCE\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Insurance<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-HOMEOWNERSHIP\" name=\"interests[]\" value=\"HOMEOWNERSHIP\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-HOMEOWNERSHIP\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Homeownership<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-DEBT\" name=\"interests[]\" value=\"DEBT\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-DEBT\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Debt<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-INVESTING\" name=\"interests[]\" value=\"INVESTING\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-INVESTING\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Investing<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-BUSINESS_FINANCE\" name=\"interests[]\" value=\"BUSINESS_FINANCE\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-BUSINESS_FINANCE\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Business Finance<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!-- Step 3 -->\n\t\t\t\t\t<div class=\"flex flex-col gap-4 items-start\" x-show=\"step === 3\" x-cloak>\n\t\t\t\t\t\t<label for=\"newsletter-email\" class=\"font-medium text-lg\">Enter your email<\/label>\n\t\t\t\t\t\t<input x-model=\"email\" type=\"email\" id=\"newsletter-email\" placeholder=\"johnsmith@example.com\" class=\"shadow-(--shadow) rounded-(--radius-2xl) h-[66px] bg-white px-6 focus:outline-none w-full\" name=\"email\">\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<!-- Buttons -->\n\t\t\t\t\t\t<div class=\"flex sm:flex-row gap-4 justify-between w-full mt-4\">\n\t\t\t\t\t\t\t<!-- Previous -->\n\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-base button-link-outline shadow-(--shadow)\" x-show=\"step &gt; 1\" @click.prevent=\"prevStep()\" x-cloak=\"1\">Previous<\/button>\t\t\t\t\t\t\t<!-- Next -->\n\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-base button-link-filled shadow-(--shadow) ml-auto\" x-show=\"step &lt; 3\" @click.prevent=\"nextStep()\" x-cloak=\"1\" :class=\"!canAdvance ? &#039;opacity-50 cursor-not-allowed&#039; : &#039;&#039;\">Next<\/button>\n\t\t\t\t\t\t\t<!-- Submit -->\n\t\t\t\t\t\t\t<div class=\"relative self-end sm:self-auto\" x-show=\"step === 3\" x-cloak :class=\"!canAdvance || submitting ? 'opacity-50 cursor-not-allowed' : ''\">\n\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-base button-link-filled shadow-(--shadow)\" type=\"submit\">Subscribe<\/button>\t\t\t\t\t\t\t\t<span class=\"absolute text-white bg-accent-blue top-0 bottom-0 right-0 left-0 flex items-center justify-center font-medium rounded\" x-show=\"submitting\" x-cloak>Submitting&#8230;<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<span class=\"text-primary-accent text-sm text-center font-medium\" x-show=\"errorMessage\" x-cloak x-text=\"errorMessage\"><\/span>\n\t\t\t\t<\/form>\n\t\t\t\t<p class=\"text-center text-lg font-medium\" x-show=\"submitted\" x-cloak>Thank you for subscribing to Hardbacon&#8217;s newsletter!<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/01\/piggy-fire-300x300.webp\" class=\"w-full h-auto md:max-w-[75%] md:mx-auto md:rounded-md xl:rounded-none xl:max-w-none xl:w-[50%] xl:absolute xl:h-full xl:object-cover xl:right-0 xl:top-0\" alt=\"piggy fire\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/01\/piggy-fire-300x300.webp 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/01\/piggy-fire-1024x1024.webp 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/01\/piggy-fire-150x150.webp 150w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/01\/piggy-fire-768x768.webp 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/01\/piggy-fire-1536x1536.webp 1536w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/01\/piggy-fire-2048x2048.webp 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t<\/div>\n<\/section>","protected":false},"author":164,"template":"","class_list":["post-79358","product-page","type-product-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/product-page\/79358","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/product-page"}],"about":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/types\/product-page"}],"author":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/users\/164"}],"wp:attachment":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/media?parent=79358"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}