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Thank you for your question, Razakmens. In order to get a credit card, there are at least two things you should do. The first one is to choose a deal fitting your needs, spending habits, lifestyle and type of credit. Second – you are to apply for it. Make a deliberate decision. Look through several offers. Check deals with rewards (most of such offers are available to people with god or excellent credit), no annual fee cards, low APR credit cards, etc. Compare features, options, terms and conditions. Find the deal that is just right for you. Then you should apply for it. You can do it though filling out an online application (the easiest way) at our site, for instance, through filling out a paper application, or you can apply on phone by calling a toll free number (800). You will find a company or bank's number online, in newspapers, magazines or yellow pages. You will not have to pay an application fee. The only case when you need to pay money before you can use a credit card is when you get a secured offer. Secured credit card requires a security deposit you are to make in order to get aces to using you card.

Thank you for contacting us, Audrey. Audrey, you do not have to change your credit card for another one. MasterCard credit cards are accepted all over the world. So, you do not have to worry that you will have problems with using your MasterCard in Canada. It's probably our Canadian credit cards section that misled you. We do offer Canadian deals at our site, but they are designed for Canada residents. So, you can take your MasterCard in your trip without any hesitation. No Hassle Points Rewards from Capital One is a good deal with a low interest rate. You even might be eligible to collect rewards points while staying in Canada. Just contact the bank to clear up this issue. Ask them if your purchases outside the US are eligible to collect rewards points.