Canada's Best No Fee Credit Cards 2019

32 CARDS The total number of credit card results available for this search
Annual Fees The amount of money charged to you each year to use the card
Rewards Rate The rewards rate your credit card receive for purchases made with your card
Bonus Offer The bonus offer available when you apply for this card
YOUR ESTIMATED NET ANNUAL REWARDS
The annual reward earnings, minus the average annual fee (fee / years), plus the average annual value of the signing bonus (bonus / years)

Blue SkyFeatured

$0
no fee  
1.25 
points per $1 
10,000 
Blue Sky points 
Net Rewards
$325 Apply Now on American Express's
secure website
Show Offer Details
Offer Summary

  • New Blue Sky Credit Card Cardmembers, earn 10,000 Blue Sky® Points after you charge $500 in purchases to your Card in your first three months of Cardmembership.

  • Earn 1.25 Blue Sky Points for every $1 in purchases charged to the Card

  • You can start redeeming with as little as 10,000 points towards any travel purchase charged to your Card

  • Enjoy the convenience of no blackout dates, no advance purchase requirements, no seat restrictions and no travel restrictions.

  • $100,000 Travel Accident Insurance

  • Free supplementary card

  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: %
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $0
Credit Needed: Good

American Express® AIR MILES®Featured

$0
no fee  
mile per $20 
500 
Bonus Air Miles 
Net Rewards
$140 Apply Now on American Express's
secure website
Show Offer Details
Offer Summary

  • New American Express® AIR MILES® Credit Card Cardmembers, earn a Welcome Bonus of 500 AIR MILES®* Reward Miles when you charge a total of $500 in purchases to your Card within your first three months of Cardmembership.

  • Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors

  • Earn 1 reward mile for every $20 in Card purchases you charge to the Card everywhere else

  • Shop at participating AIR MILES Sponsors across Canada with your Card and show your AIR MILES®* Collector Card, and you can earn reward miles twice

  • Redeem for a wide range of rewards - everything from electronics to...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 1.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $0
Credit Needed: Good

American Express® AIR MILES® Gold BusinessFeatured

$0
no fee  
mile per $1 
30,000 
Welcome bonus points 
Net Rewards
$105
Show Offer Details
Offer Summary

  • Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.

  • You and any Supplementary Cardmembers added to your account pay no annual fee for the first year of Cardmembership.

  • Earn 1 point for every dollar in purchases charged to the Card. Plus, there is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your card. Then you can reedeem points for a statement credit.

  • You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%
Balance Transfer Interest Rate: 21.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

American Express Essential

$0
no fee  
N/A 
none 
1.99% 
on transfers first 6 months 
Net Rewards
$0 Apply Now on American Express's
secure website
Show Offer Details
Offer Summary

  • Enjoy a low 8.99% interest rate on purchases Have the flexibility to pay your balance in full or over time Optional Balance Transfer Offer to new Cardmembers – Enjoy a 1.99% interest rate in the first 6 months if you choose to transfer your other credit card balances to this American Express card

  • Balance Transfer option is only available at time of online application. There is no balance transfer fee at time of application

  • Access to memorable experiences with American Express Invites™

  • Shopping coverage and 24/7 Customer Service

  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 8.99%
Cash Advance Interest Rate: 8.99%
Balance Transfer Interest Rate: 1.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $0
Credit Needed:

CIBC Classic Visa for Students

$0
no fee  
N/A 
 
N/A 
 
Net Rewards
$0
Show Offer Details
Offer Summary

  • Need a card with unsurpassed acceptance worldwide

  • Don't want to pay an annual fee

  • Enjoy making small purchases faster with Visa payWave™

  • Want added benefits including CIBC Convenience

  • Cheques and cash advances up to $1,000 a day

  • Want to save up to 25% on car rentals at participating Avis® and Budget® locations
Card Facts

Network:
Institution: CIBC
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Home Trust Secured Visa

$0
no fee  
N/A 
 
N/A 
 
Net Rewards
$0
Show Offer Details
Offer Summary

  • Not available to residents of Quebec.

  • The Home Trust Secured Visa Card is a credit card that requires a security deposit for eligibility. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $10,000.

  • Make purchases over the phone or online

  • Plan and book a vacation

  • Access cash anytime, anywhere from over 1 million ATMs around the world displaying the Visa or Plus logo Shop at over 24 million locations worldwide

  • Applicants who have been discharged from Bankruptcy are eligible to apply at any time (Discharge Certificate may be requested)
  • ...
Card Facts

Network:
Institution: Home Trust
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 19.99%
Balance Transfer Interest Rate: %
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Desjardins Cash Back Mastercard

$0
no fee  
0.5% 
cash back on all purchases 
1% 
cash back on some transactions 
Net Rewards
$90 Apply Now on Desjardins's
secure website
Show Offer Details
Offer Summary

  • Get 1% cash back on contactless payment transactions and pre-autorized payments to service providers, and 0.5% on all your other purchases. Your account is automatically credited when you accumulate $25 cash back.

  • Mobile Device Insurance

  • 3-Day Travel Insurance

  • Zero liability in case of fraudulent use of your card

  • Up to 10% hertz discount

  • Cash advances up to $2,500 per day
Card Facts

Network:
Institution: Desjardins
Type:

Fees & Interest

Purchase Interest Rate: 19.9%
Cash Advance Interest Rate: 19.99%
Balance Transfer Interest Rate: 19.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $0
Credit Needed:

Harley-Davidson® Platinum Plus® MasterCard

$0
no fee  
point per $2 
1.99% 
rate on transfers 1st 10 months 
Net Rewards
$90 Apply Now on MBNA's
secure website
Show Offer Details
Offer Summary

  • No annual fee

  • 1.99% promotional annual interest rate† (AIR) on balance transfers✪ for the first 10 full months

  • Earn 1 Genuine Rewards Point or every $2 in eligible purchases‡

  • Redeem your points for Harley Chrome® Cash‡ to be used at participating Harley-Davidson Canadian retailers

  • Use your card for eligible purchases and you may be entered in a quarterly Harley-Davidson motorcycle draw‡
Card Facts

Network:
Institution: MBNA
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 24.99%
Balance Transfer Interest Rate: 21.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $0
Credit Needed: Good

Desjardins Student Cash Back Visa

$0
no fee  
0.5 
point on all purchases 
1% 
cash back on some transactions 
Net Rewards
$90
Show Offer Details
Offer Summary

  • Get 1% cash back on contactless payment transactions and pre-authorized payments to service providers, and 0.5% on all your other purchases.

  • Card image personalization

  • Free access to your credit file

  • Mobile Payment: pay for your purchases with a wave of your smartphone

  • Zero liability in case of fraudulent use of your card

  • Up to 10% hertz discount

  • Cash advances up to $2,500 per day

  • Automatic account credit after $25 accumulated
Card Facts

Network:
Institution: Desjardins
Type:

Fees & Interest

Purchase Interest Rate: 19.9%
Cash Advance Interest Rate: 19.9%
Balance Transfer Interest Rate: 19.9%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

BMO AIR MILES MasterCard

$0
no fee  
miles per $20 
500 
Bonus Air Miles 
Net Rewards
$140 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Get 500 AIR MILES Bonus Miles

  • Then get 1 AIR MILES reward mile for every $20 in purchases

  • Get a 1.99% introductory interest rate on Balance Transfers for 9 months*, 1% fee applies to balance amounts transferred.

  • Double Dip at AIR MILES sponsored locations

  • No Annual fee

  • Receive a discount on car rentals

  • Extended Warranty

  • Purchase Protection

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

  • Terms and conditions apply
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $0
Credit Needed: Good

BMO SPC Air Miles MasterCard

$0
no fee  
point per $20 
500 
Bonus Air Miles 
Net Rewards
$140
Show Offer Details
Offer Summary

  • Limited time: Earn 500 Bonus AIR MILES Bonus Miles

  • Get 2x the Miles for every $20 spent at participating AIR MILES Partners

  • 1 AIR MILES reward mile for every $20 that you spend on your credit card

  • No Annual fee

  • Extended Warranty

  • Purchase Protection

  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

  • Terms and conditions apply
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed: None

Shell AIR MILES MasterCard® from BMO

$0
no fee  
1.25 
points per $1 
500 
AIR MILES Bonus 
Net Rewards
$140
Show Offer Details
Offer Summary

  • Get up to 500 AIR MILES Bonus Miles

  • New! Always get 2x the miles at participating AIR MILES Partners. That’s 2 Miles for every $20 you spend using your Shell AIR MILES MasterCard from BMO

  • 1 Mile for every $20 in card purchases everywhere else
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Shell CashBack MasterCard® from BMO

$0
no fee  
0.5% 
cash back per $1 
1.25 
cash back at Shell in Canada 
Net Rewards
$140
Show Offer Details
Offer Summary

  • Get $50 CashBack Rewards

  • 1.5 CashBack on every dollar you spend at Shell locations in Canada

  • Plus earn 1% cash back on everything else for the first 6 months and 0.5% CashBack on every dollar you spend thereafter
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed: Average

Scotia Momentum® No-Fee VISA

$0
no fee  
1% 
cash back on eligible purchases 
7.99% 
rate on purchases 1st 6 months 
Net Rewards
$153
Show Offer Details
Offer Summary

  • Get an introductory 7.99% on purchases for the first six months

  • Cash back on everyday spending with no annual fee 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases

  • 20% AVIS rental card discount
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%
Balance Transfer Interest Rate: 21.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $
Credit Needed: Good

CIBC Dividend Visa

$0
no fee  
2% 
cash back on categories 
N/A 
 
Net Rewards
$180
Show Offer Details
Offer Summary

  • Earn 2% cash back on your first $6,000 in net annual grocery purchases

  • Earn 0.5% cash back on the first $6,000 in annual purchases

  • Earn 1% cash back on all other annual purchases over $6,000

  • No limit on the total cash back you can earn

  • Added benefit of replacements for lost, stolen or damaged items with Purchase Security and Extended Protection® Insurance
Card Facts

Network:
Institution: CIBC
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $
Credit Needed: Good

Home Trust Preferred Visa

$0
no fee  
1% 
cash back on all purchases 
N/A 
 
Net Rewards
$180
Show Offer Details
Offer Summary

  • Earn 1% cash back with every purchase, with no limit in the amount you can earn.

  • This product is currently not available to residents of Quebec.

  • No annual fee

  • 0% foreign currency conversion charge on purchases abroad

  • Roadside Assistance at no extra cost.

  • Car Rental Collision Insurance and Purchase Security Insurance included
Card Facts

Network:
Institution: Home Trust
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 19.99%
Balance Transfer Interest Rate: %
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Presidents Choice Financial World Elite MasterCard

$0
no fee  
45 
points per $1 
135 
points per $1 at Shoppers 
Net Rewards
$180 Apply Now on PC Financial's
secure website
Show Offer Details
Offer Summary

  • Apply for a new PC Financial Mastercard® and earn up to 135 PC Optimum per $1* spent at Shoppers Drug Mart for the rest of the year.

  • No annual fee

  • All PC Optimum members earn 15 points per dollar at Shoppers Drug Mart and Pharmaprix. When you use your President’s Choice Financial World Elite Mastercard, you will earn an additional points 30 points per dollar.

  • Earn 30 PC Optimum points for every $1 spent at almost 2,500 stores across the country. Visit pcoptimum.ca for details on participating stores where the PC Optimum program is offered.

  • Earn 10 PC Optimum points for every $1 spent everywhere...
Card Facts

Network:
Institution: PC Financial
Type:

Fees & Interest

Purchase Interest Rate: 20%
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: 22.97%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $80000
Household Income: $150000
Credit Needed: Good

Presidents Choice Financial MasterCard

$0
no fee  
25 
points per $1 
115 
points per $1 at Shoppers 
Net Rewards
$180 Apply Now on PC Financial's
secure website
Show Offer Details
Offer Summary

  • Apply for a new PC Financial Mastercard® and earn up to 115 PC Optimum per $1* spent at Shoppers Drug Mart for the rest of the year.

  • No annual fee

  • All PC Optimum members earn 15 points per dollar at Shoppers Drug Mart and Pharmaprix. When you use your President’s Choice Financial Mastercard you will earn an additional points 10 points per dollar.

  • Earn 10 PC Optimum points for every $1 spent everywhere else.

  • New cardholders can enjoy a low balance transfer rate of 0.97% for 6 months.

  • PC Financial® Mastercard® is provided by President’s Choice Bank. President’s Choice Bank is not responsible for...
Card Facts

Network:
Institution: PC Financial
Type:

Fees & Interest

Purchase Interest Rate: 20%
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: 22.97%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $12000
Household Income: $0
Credit Needed: Good

Presidents Choice Financial World MasterCard

$0
no fee  
35 
points per $1 
125 
points per $1 at Shoppers 
Net Rewards
$180 Apply Now on PC Financial's
secure website
Show Offer Details
Offer Summary

  • Apply for a new PC Financial Mastercard® and earn up to 125 PC Optimum per $1* spent at Shoppers Drug Mart for the rest of the year.

  • No annual fee

  • All PC Optimum members earn 15 points per dollar at Shoppers Drug Mart and Pharmaprix. When you use your President’s Choice Financial World Mastercard you will earn an additional points 20 points per dollar.

  • Earn 20 PC Optimum points for every $1 spent at almost 2,500 stores across the country. Visit pcoptimum.ca for details on participating stores where the PC Optimum program is offered.

  • Earn 10 PC Optimum points for every $1 spent everywhere else.
  • ...
Card Facts

Network:
Institution: PC Financial
Type:

Fees & Interest

Purchase Interest Rate: %
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: 22.97%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $60000
Household Income: $100000
Credit Needed:

RBC Cash Back MasterCard

$0
no fee  
2% 
cash back up to 6K 
N/A 
 
Net Rewards
$180 Apply Now on RBC Royal Bank's
secure website
Show Offer Details
Offer Summary

  • Earn 2% cash back credits† on grocery store purchases.

  • Earn up to 1% cash back credits† on all other purchases and pre-authorized payments* made with your RBC Cash Back MasterCard.

  • Cash back credits accumulate automatically and appear on your monthly statement. You won't have to keep track of points.

  • Benefit from MasterCard's worldwide acceptance and the added convenience of MasterCard PayPass‡ - a new "contactless" way to pay. It is like having exact change wherever you go; a simple tap of your card is all it takes to pay at the checkout.

  • Additional cards for co-applicants and authorized users at no extra cost.
Card Facts

Network:
Institution: RBC Royal Bank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $0
Credit Needed:

Walmart Rewards Mastercard

$0
no fee  
point per $1 
1.25 
points at Walmart 
Net Rewards
$195 Apply Now on Walmart's
secure website
Show Offer Details
Offer Summary

  • Earn Walmart Reward Dollars™ that you can use like cash

  • You can apply for the Walmart Rewards Mastercard in-store and online

  • Not available in Quebec

  • Earn 1.25% of your purchases in Walmart Rewards when you shop Walmart stores in Canad

  • Earn 1% of your purchases in Walmart Rewards anywhere else MasterCard® is accepted.

  • Walmart Rewards are earned in dollar equivalents, not points, so it's easy to know how much you have to redeem.

  • $15 in bonus Walmart Rewards for getting the card, using it once at Walmart and once anywhere MasterCard ® is accepted

  • $10 in bonus Walmart Rewards for going paperless...
Card Facts

Network:
Institution: Walmart
Type:

Fees & Interest

Purchase Interest Rate: 19.89%
Cash Advance Interest Rate: 21.49%
Balance Transfer Interest Rate: 21.49%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $12000
Credit Needed: Good

CIBC Tim Hortons Double Double Visa

$0
no fee  
point per $1 
1% 
Tim Cash for every $1 spent 
Net Rewards
$200 Apply Now on CIBC's
secure website
Show Offer Details
Offer Summary

  • Earn 1% back in Tim Cash for every dollar spent on purchases

  • Receive $20 in Tim Cash as a Welcome Bonus when you spend $200 anywhere

Card Facts

Network:
Institution: CIBC
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $15000
Credit Needed:

ECHO® Cashback MasterCard

$0
no fee  
1.5% 
cash back on all purchases 
N/A 
 
Net Rewards
$213 Apply Now on National Bank's
secure website
Show Offer Details
Offer Summary

  • Earn 1.5% cashback on most online purchases, in grocery stores and on gas

  • Get unlimited 1% cashback on all other purchases

  • Apply your cashback as soon as you accumulate $25. You can even access your cashback on the go from any tablet or mobile device!

  • Purchase protection in case of theft or damage

  • Extended warranty

  • Conditions apply
Card Facts

Network:
Institution: National Bank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $0
Credit Needed: Good

MBNA Rewards Mastercard

$0
no fee  
point per $1 
5,000 
Bonus points 
Net Rewards
$230
Show Offer Details
Offer Summary

  • Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases

  • Receive 5,000 bonus MBNA Rewards points†† after your first eligible purchase

  • Redeem points‡ for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations

  • No annual fee
Card Facts

Network:
Institution: MBNA
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 24.99%
Balance Transfer Interest Rate: 21.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $
Credit Needed: Average

BMO Rewards MasterCard

$0
no fee  
point per $1 
20,000 
BMO Rewards welcome points 
Net Rewards
$270 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Welcome offer: Welcome offer: Get up to 20,000 BMO Rewards welcome points and a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred.

  • Get 1 BMO Rewards point for every $1 spent

  • Earn faster with additional cardholders

  • Apply rewards toward the retail price of flights, hotels and more without mark-ups when you book through the BMO Reward Center

  • Get up to 25% off car rentals at National®#† Car Rental and Alamo®*‡ Rent A Car locations worldwide
  • Extended Warranty

  • Purchase Protection

  • Zero Dollar Liability: protects you from unauthorized use of your credit card

  • BMO is...
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $0
Credit Needed: Good

BMO CashBack MasterCard

$0
no fee  
1% 
cash back on all purchases 
4% 
Cash back 1st 4 months 
Net Rewards
$274 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Welcome offer: Get up to 4% cash back on every purchase in your first 4 months and a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred*.

  • Earn 1% CashBack on ALL card purchases* without restrictions!*

  • No Annual fee*

  • Receive a discount on car rentals*

  • Extended Warranty*

  • Purchase Protection*

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

  • *Terms and conditions apply
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $0
Credit Needed:

BMO SPC CashBack MasterCard

$0
no fee  
1% 
cash back on all purchases 
4% 
cash back in your 1st 4 months  
Net Rewards
$274
Show Offer Details
Offer Summary

  • Welcome Offer: Get 4% cash back in your first 4 months to a maximum of $125 cash back

  • Earn 1% cash cack on ALL card purchases* without restrictions!

  • No annual fee

  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores

  • Exclusive deals and access to concerts, movie premiers, sports events and more with BMO Extra Deals

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

  • Terms and conditions apply
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed: None

Tangerine Money-Back

$0
no fee  
2% 
cash back on 3 categories of choice 
1.95% 
rate on transfers 1st 6 months 
Net Rewards
$279 Apply Now on Tangerine's
secure website
Show Offer Details
Offer Summary

  • New Clients will receive a Balance Transfer promotion of 1.95% for 6 months

  • Earn 2% Money-Back Rewards on purchases in up to three 2% Money-Back Categories of your choice 0.5% Money-Back Rewards on all other purchases

  • No annual fee

  • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account

  • Free Cards for Authorized Users on your Account

  • No limit on the amount of Money-Back Rewards you can earn

  • Three 2% Money-Back Categories if you choose to have your Rewards deposited into your Tangerine Savings Account, or two 2% Money-Back...
Card Facts

Network:
Institution: Tangerine
Type:

Fees & Interest

Purchase Interest Rate: 19.95%
Cash Advance Interest Rate: 19.95%
Balance Transfer Interest Rate: 1.95%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $0
Credit Needed: Good

BMO CashBack® Business Mastercard

$0
no fee  
6% 
cash back on categories 
N/A 
 
Net Rewards
$301
Show Offer Details
Offer Summary

  • Welcome Offer: Get 6% cash back on gas, office supplies and cell phone/internet bills for 4 months

  • Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments

  • 1.75% cash back at Shell®

  • 0.75% cash back on all other card purchases

  • 25 payment grace days

  • Optional Employee Cards - empower employees with delegated purchasing authority

  • Use your card at Costco locations across Canada

  • Our Liability Waiver Program protects your business against employee card abuse
Card Facts

Network:
Institution: Bank of Montreal
Type:

Fees & Interest

Purchase Interest Rate: 20%
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $
Credit Needed: Good

SCENE® Visa

$0
no fee  
point per $1 
2,000 
Bonus SCENE points 
Net Rewards
$320
Show Offer Details
Offer Summary

  • Earn 2,000 bonus points with your first $500 in everyday purchases in first 3 months

  • Redeem points for free movies at Cineplex Entertainment theatres, music and other entertainment rewards

  • Earn 5 Scene points for every $1 you spend on participating Cineplex Entertainment theatres or online at cineplex.com

  • Earn 1 point per dollar on everyday purchases

  • No annual fee

  • Estimated first year rewards on credit card account following approval and if all requirements for rewards are met
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $3000
Household Income: $
Credit Needed: Good

Scotiabank® American Express

$0
no fee  
point per $1 on eligible spend 
5,000 
Bonus points 
Net Rewards
$338
Show Offer Details
Offer Summary

  • Earn 5,000 bonus points with your first $500 in everyday purchases in first 3 months

  • Earn one Scotia Rewards point on all other eligible everyday purchases

  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase

  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages

  • Receive up to 25% off qualifying car rentals

  • Travel emergency medical coverage is automatically provided for eligible persons for up to 8 consecutive days

  • Redeem points for merchandise and...
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $
Credit Needed: Good

The SimplyCash from American Express

$0
no fee  
2.5% 
cash back first 3 months 
1.99% 
on transfers 1st 6 months 
Net Rewards
$383 Apply Now on American Express's
secure website
Show Offer Details
Offer Summary

  • New SimplyCashTM Card from American Express Cardmembers can earn 2.5% cash back on purchases (up to $150 cash back) for the first 3 months of Cardmembership.

  • Earn 1.25% cash back on all other purchases when your Welcome Rate ends.

  • No limit to the amount of cash back you can earn after your Welcome Rate ends.

  • Optional Balance Transfer Offer to new Cardmembers – Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card.

  • Balance Transfer option is only available at time of online application. There...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 1.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $0
Credit Needed: Average