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Trying to pick the best credit card in Canada can be tough for beginners and first-time users, especially when so many cards come with the promise of perks like Scene points for groceries and airport lounge access.

But you might want to think twice before getting sucked into getting a credit card just for the benefits, as per Canadian money expert and financial counsellor, Jessica Moorhouse.

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Putting your next impulse purchase on your credit card might be easy, but that doesn't always mean it's the right thing to do. In fact, next time you use your card, there are a few rules you should follow.

Narcity spoke with Angela Iermieri, a financial planner and spokesperson for Desjardins, who revealed the credit card mistakes you are probably making that you should stop doing ASAP.

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When it comes to saving and spending money, it's all about the little wins like saving dollars on your morning coffee, getting cashback on your groceries or scoring a sweet deal on that product you've been eyeing up on Amazon for ages.

If you're looking to kick your saving efforts up a notch as restrictions ease and normal day-to-day spending resumes, get ready because you can score up to a $150 e-gift card (plus other sweet money-saving offers) when you sign up for a Scotiabank credit card this month.

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As if life isn't already expensive enough with the steep real estate costsever increasing gas prices, and the cost of living going up to match the minimum wage increases; we now can look forward to an increase in interest rates from the Bank of Canada. 

The Bank of Canada is our country's central bank that controls the base rate of all loans (aka the prime rate). Any lender across Canada (banks, credit unions, car loans, student loans, etc) gives you your personal interest rate based on the one set by the Bank of Canada. So as the Bank of Canada prime rate moves up or down, so does the rate of interest you pay on your loan.

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Our amazing city has something for everyone no matter who you are, what you're into, or how much spare cash you currently have - even if that figure is precisely zero dollars.

If you've got a date with bae lined up for this weekend, but you still haven't decided what you want to do, we've got you covered - from the romantic to the totally unique, and everything in between, whatever vibe you're going for, there will be something for you both!

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