For many years we have always recommended that you should carry a Visa, a Mastercard and an American Express card in your wallet. The reason why is that there benefits, promotions and earning potential unique to each brand of credit card. We won't go into detail here as you can read all about it in our feature on how to Maximize your Miles and Points. But the question is what mix of those cards should I have? The answer to that question is depends on what your primary reward goals are and what loyatly programs you use. Here we bring multiple Ultimate Credit Card Wallets dependent on those goals! New portfolios are being added every few months so keep checking back!

• The Ultimate No Fee Cash Back Credit Card Portfolio
  If you are all about earning Cash Back and as much of it as possible without paying any annual fees then this wallet consisting of a Visa, Mastercard and American Express card that allow you to earn Cash Back rewards is a must!
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  The Ultimate No Foreign Transaction Fee Credit Card Portfolio
  In this feature of Rewards Canada's Ultimate Credit Card Portfolios we look at the ultimate one for those who make lots of purchases in currencies other than the Canadian dollar. It looks at credit cards in the Canadian market that do not charge a fee of 2 to 3% on purchases made in foreign currencies.
  
  
• The Ultimate Travel Rewards Credit Card Portfolio for Lower Income Earners!
  In this feature of Rewards Canada's Ultimate Credit Card Portfolios we look at the ultimate one for those who may not earn enough income for the higher end credit cards that require $60,000 to $80,000 in personal annual income.
  
  
• The Ultimate Flight Companion Pass Credit Card portfolio!
  In this feature of Rewards Canada's Ultimate Credit Card Portfolios we look at the ultimate one for those who travel with 2 or more people and would like to save on some of that travel!
  
  
• The Ultimate Foodie Credit Card portfolio! (Last updated July 15, 2020)
  In this feature of Rewards Canada's Ultimate Credit Card Portfolios we look at the ultimate one for foodies. From dining to grocery stores - these cards are the most rewarding.
  
  
• The Ultimate Student Credit Card portfolio! (Last updated September 8, 2020)
  In this feature of Rewards Canada's Ultimate Credit Card Portfolios we look at the ultimate one for students. Not only does it feature cards primarily targeted at students but it also brings in the world of loyalty rewards.
  
  
• The Ultimate British Airways Executive Club Credit Card portfolio!
  If you are all about earning as many British Airways Avios as possible then this wallet consisting of a Visa, Mastercard and American Express card that allow you to earn Aeroplan miles is a must!
  
  
• The Ultimate Small Business Credit Card portfolio!
  If you need business cards or like to keep your business and personal spending separate then this wallet consisting of a Visa, Mastercard and American Express card is for you!
  
  
• The Ultimate High End Traveller Credit Card portfolio!
  If you are all about travelling in style, experiencing luxury and getting great benefits from credit cards then this wallet consisting of a Visa, Mastercard and American Express card is for you!
  
  
• The Ultimate "I have no idea what travel rewards I want" Credit Card portfolio!(Last updated Augsut 26, 2020)
  If you are all about earning travel points that are flexibile and want to use them on your own terms then this wallet consisting of a Visa, Mastercard and American Express card that allow you to earn no strings attached travel points is a must!
  
  
• The Ultimate Credit Card Portfolio for Family Travel
  If you are all about earning travel points that are flexibile and want to use them on your own terms then this wallet consisting of a Visa, Mastercard and American Express card that allow you to earn no strings attached travel points is a must!
  
  
• The Ultimate No Strings Attached Travel Credit Card Portfolio
  If you are all about earning travel points that are flexibile and want to use them on your own terms then this wallet consisting of a Visa, Mastercard and American Express card that allow you to earn no strings attached travel points is a must!
  
  
• The Ultimate Aeroplan Credit Card Portfolio
  If you are all about earning as many Aeroplan miles as possible then this wallet consisting of a Visa, Mastercard and American Express card that allow you to earn Aeroplan miles is a must!
  
  
• The Ultimate Cash Back Credit Card Portfolio
  If you are all about earning Cash Back and as much of it as possible then this wallet consisting of a Visa, Mastercard and American Express card that allow you to earn Cash Back rewards is a must!
  
  
• The Ultimate WestJet Rewards Credit Card Portfolio
  If you are all about earning as many WestJet dollars as possible then this wallet consisting of a Visa, Mastercard and American Express card that allow you to earn WestJet dollars and save on WestJet flights is a must!
  
  
• The Ultimate AIR MILES Credit Card Portfolio
  If you are all about earning as many AIR MILES Reward Miles as possible then this wallet consisting of a Visa, Mastercard and American Express card that allow you to earn AIR MILES and save on redemptions is a must!
  
  
• The Ultimate No Fee Travel Points Credit Card Portfolio
  If you hate paying annual fees on credit cards or don't need the benefits or insurance that come with fee based cards you can still earn a decent amount of travel rewards points with credit cards! In this wallet we show you how you can maximize that earn with one Visa Card, a Mastercard and an American Express Card.
  
  
• The Ultimate Air Canada Credit Card Portfolio
  If you fly Air Canada regularily but don't hold status in the higher levels of Air Canada's Altitude program then this portfolio is for you.