This is the most popular question we get so it’s important that we address it in detail. We’ve written a complete article on this topic that we suggest you read to really understand how credit cards affect your credit score. You can read all about how credit cards affect your credit score in Canada here.
The annual fees on credit cards in Canada range from $0 all the way up to $2,500.
Miles are usually the currency of airline loyalty programs while points are the currency of hotel loyalty programs.
This really depends on the vacation you want to take. If you just want to fly down to California in economy for a weekend then it doesn’t take long at all, maybe a couple months. If you want to fly with your significant other in First Class on a big trip then it might take up to a year. It all depends on what you want to do and how many people are traveling but generally we can get you enough points within a year for your desired vacation.