Points and miles can be overwhelming when you're just getting started. Before you start opening cards I recommend you plan a vacation that way you know which points you need to earn, 

1. Every day spending - You are going to want to prioritize a credit card with good earning categories. 
2. Welcome bonuses - Credit card companies offer a large number of points for meeting a minimum spend in a specified number of months. These bonuses are much larger than what you would earn everyday. 

There are two main ways you will earn credit card points:

1. American Express Membership Rewards
2. RBC Avion Rewards

Transferrable Points Programs: Not all credit card points are created equal, there are transferrable points and then points that are tied to a specific credit card loyalty program, hotel or airline

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