 Hello everyone, my name is Amit Don of Adon Journal. Today I'll talk about why you should not rely on best credit card ratings done by personal finance websites or magazines. I'll use Mani Sense 2015 Best Credit Card Ratings for Canadians as an example. The factors that are used to determine the best credit card ratings may not necessarily match your own circumstances. For example, assumptions made that you'll be using $2,000 per month on credit cards. However, in order to spend that much money on credit cards, you need to make approximately $100,000 to $150,000 per year, which may not be the case for most credit card users. If you look in the travel category, the top two credit cards for 2015 are the WestJet RBC World League MasterCard and the American Express Gold Rewards Travel Card. The problem with these two cards are that they do not offer major elements to be considered the first and second top-best credit cards. For example, both of these credit cards are missing the trip cancellation insurance and concierge services. Also, the top one card in this category, WestJet RBC World League MasterCard, restricts you to fly only WestJet covered by destination only where WestJet flies. And let's move to the second retail rewards category. The worst picks are actually in this category. For example, if you look at the top five cards in the retail rewards based credit cards for 2015, these cards are not even able to compete in ratings done by other websites or magazines. For example, the number one retail rewards credit cards in Canada is Roger's MasterCard. Really? In order to use this card, you have to use Roger's services and for most of the credit card users, that's not an option. So now the question is, how to pick the best reward credit cards? Instead of go by one rating, look for all ratings and also gather information by going to credit card providers on websites. And also on Aidan Journal, there are tools, calculators and articles to help you with your research and pick the best rewards credit cards based on your own circumstances and which gives you the most benefits. Not because, don't pick anything, just because one website is telling you that these are the best credit cards to pick. That's all for today. Thank you.