Canada's Best Rewards Credit Cards 2019

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72 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® PlatinumFeatured

$65
per year  
mile per $15 
2,000 
Air Miles 
Net Rewards
$277 Apply Now on American Express's
secure website
Show Offer Details
Offer Summary

  • New American Express® AIR MILES® Platinum Credit Card Cardmembers, earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $1,500 in purchases to your Card within your first three months of Cardmembership. That's enough for a select flight.

  • Earn 1 reward mile for every $10 in Card purchases at AIR MILES® Sponsors

  • Earn 1 reward mile for every $10 in Card purchases at other eligible grocery stores, gas stations, and drugstores in Canada

  • Plus, earn 1 reward mile for every $15 in Card purchases everywhere else

  • Shop at participating AIR MILES Sponsors across Canada with your Card and show your...
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: $65
Annual Fee After First Year: $65

Eligibility

Personal Income: $15000
Household Income: $0
Credit Needed: Very 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® AIR MILES® for BusinessFeatured

$180
per year  
mile per $1 
2,000 
on purchases 1st 3 months 
Net Rewards
$-59
Show Offer Details
Offer Summary

  • Earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $5,000 in purchases to your Charge Card within your first 3 months of Cardmembership.

  • You can maximize your cash flow with up to 55 interest-free days2 and enjoy purchasing power that adjusts dynamically with Card usage.

  • You can benefit from an exclusive 25% discount on business rewards when you redeem AIR MILES Reward Miles from your Dream balance for rewards from the AIR MILES For Business Rewards catalogue, an online catalogue designed especially with the small business owner in mind.

  • Earn 1 AIR MILES Reward Mile for every $10 in Card...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 30%
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: %
First Year Annual Fee: $180
Annual Fee After First Year: $180

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

The Business Platinum from American Express

$499
per year  
1.25 
points per $1 
40,000 
points on $5K in 3 months 
Net Rewards
$-274
Show Offer Details
Offer Summary

  • Earn a Welcome Bonus of 40,000 points when you charge $5,000 in purchases to your Charge Card in your first three months of Cardmembership.

  • Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses.

  • You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you're at it.

  • Take full advantage of access to over 850 airport lounges around the world and enjoy the extensive comfort, services and amenities available through premium hotel programs.

  • Enjoy...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 30%
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: %
First Year Annual Fee: $499
Annual Fee After First Year: $499

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

World Elite Mastercard National Bank

$150
1st year free, $150 after  
2.5 
cash back on all purchases 
3.5 
points on Travel 
Net Rewards
$0 Apply Now on National Bank's
secure website
Show Offer Details
Offer Summary

  • From August 6 to November 11, 2018, you can earn 25% more points or cashback (as applicable) when you buy gas at our partner Ultramar.

  • Earn up to 2.5 points on ALL card purchases* without restrictions!

  • Get up to 3.5 points for each dollar you spend on flights and vacation packages at the online travel agency. — À la carte Travel — powered by Transat.

  • Up to $250 in Elite traveller fee rebates!

  • Out-of-province-of-residence medical/hospital insurance

  • Trip cancellation/interruption, flight delay and baggage inssurance

  • Rental vehicle insurance

  • Travel assistance service

  • Purchase protection in case of theft or damage

  • Extended Warranty
  • ...
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: $150

Eligibility

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

American Express® Platinum

$699
per year  
1.25 
points per $1 
50,000 
Bonus rewards points 
Net Rewards
$26 Apply Now on American Express's
secure website
Show Offer Details
Offer Summary

  • New Platinum Card® Cardmembers, earn 50,000 Bonus Membership Rewards® points by spending $3,000 in purchases in the first three months of Cardmembership.

  • Platinum members earn 1.25 Membership Rewards® points for every dollar in purchases charged to the Card and automatically enrolled in the Membership Rewards First™ Tier.

  • You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service.

  • Relax in over 1,100 airport lounges worldwide. Enjoy access to the following partner lounges and benefits: Canadian Platinum Lounge Benefit, Delta Sky...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 30%
Cash Advance Interest Rate: 3.00%%
Balance Transfer Interest Rate: %
First Year Annual Fee: $699
Annual Fee After First Year: $699

Eligibility

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

Desjardins Odyssey Gold Visa

$110
per year  
point per $1 
N/A 
 
Net Rewards
$70 Apply Now on Desjardins's
secure website
Show Offer Details
Offer Summary

  • Get 1% BONUSDOLLARS on all purchases

  • Exclusive advantage for Desjardins members: 20% more BONUSDOLLARS on BONUSDOLLARS accumulated annually and additional card for your spouse or other family member at no charge

  • A full complement of travel insurance up to 60 days

  • Mobile Device Insurance

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

  • Zero liability in case of fraudulent use of your card

  • Cash Advances up to $5,000 per day

  • Up to 20% hertz discount
Card Facts

Network:
Institution: Desjardins
Type:

Fees & Interest

Purchase Interest Rate: 19.9%
Cash Advance Interest Rate: 19.90%%
Balance Transfer Interest Rate: 19.90%%
First Year Annual Fee: $110
Annual Fee After First Year: $110

Eligibility

Personal Income: $
Household Income: $0
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: 19.90%%
Balance Transfer Interest Rate: 19.90%%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Scotiabank® Platinum American Express

$399
per year  
points per $1 up to 100K 
30,000 
bonus points on 1st purchase  
Net Rewards
$105
Show Offer Details
Offer Summary

  • Earn 30,000 bonus points upon your first purchase within 60 days of your account open date

  • Redeem for travel anywhere, anytime, with no travel restrictions.

  • Use your points to purchase travel online or over the phone through Scotiabank's 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

  • Comprehensive Travel Insurance

  • Premium Concierge Services

  • Access to Priority Pass Lounges worldwide

  • VIP Pass for exclusive access to global events

  • Complimentary Hertz #1 Club Gold Membership
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: $399
Annual Fee After First Year: $399

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Scotiabank VISA Business

$75
per year  
1% 
cash back on all purchases 
N/A 
 
Net Rewards
$105
Show Offer Details
Offer Summary

  • The annual fee for Scotiabank VISA Business Cards is based on the type of card (Gold or Silver) and the currency (CAD or USD) you select to suit your cardholder and business needs.

  • CAD Program Silver $75 CAD Gold $105 CAD

  • USD Program Silver $75 USD Gold $105 USD

  • With our Canadian dollar program, your business will receive up to 1% cash back annually per card based on spending levels. The cash goes directly into your Business Account. There's no limit to the rewards you can earn and how you spend the cash back is up to you.

  • The Scotiabank VISA Business Card program helps...
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.8%
Cash Advance Interest Rate: 19.80%%
Balance Transfer Interest Rate: 19.80%%
First Year Annual Fee: $75
Annual Fee After First Year: $75

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

ScotiaGold Passport® VISA

$110
per year  
point per $1 
5,000 
Bonus points 
Net Rewards
$120
Show Offer Details
Offer Summary

  • Earn 5,000 bonus points with your first card purchase

  • Travel anywhere, at any time of the year with no restrictions

  • Comprehensive travel protection and insurance

  • 5% cash back on travel purchased through Scotia Rewards, book online or by phone

  • Concierge Service

  • Merchandise, gift card and other rewards available
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: $110
Annual Fee After First Year: $110

Eligibility

Personal Income: $35000
Household Income: $
Credit Needed: Very Good

Shell AIR MILES World MasterCard® from BMO

$99
per year  
point per $1 
1.25 
miles at Shell in Canada 
Net Rewards
$122
Show Offer Details
Offer Summary

  • 1.25x Miles on card purchases at Shell locations in Canada

  • 1 Mile for every $15 in card purchases everywhere else MasterCard is accepted

  • FREE Roadside Assistance
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: $99
Annual Fee After First Year: $99

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

Desjardins Odyssey World Elite Mastercard

$130
per year  
points per $1 
N/A 
 
Net Rewards
$140 Apply Now on Desjardins's
secure website
Show Offer Details
Offer Summary

  • Exclusive advantage for Desjardins members: 20% more BONUSDOLLARS on BONUSDOLLARS accumulated annually and additional card for your spouse or other family member at no charge

  • A full complement of travel insurance up to 60 days.

  • Access to the Desjardins Odyssey Lounge at the Montreal-Trudeau airport

  • Up to 20% hertz discount

  • Cash Advances up to $5,000 per day

  • Special perks: Concierge Service, Identity Theft Assistance and Priceless cities
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: $130
Annual Fee After First Year: $130

Eligibility

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

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

Desjardins Elegance Gold Visa

$30
per year  
point per $1 
N/A 
 
Net Rewards
$150 Apply Now on Desjardins's
secure website
Show Offer Details
Offer Summary

  • Get 1% in BONUSDOLLARS on all purchases

  • Exclusive advantage for Desjardins members: additional card for your spouse or family member at no charge

  • Mobile Device Insurance

  • 3-Day Travel Insurance

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

  • Zero liability in case of fraudulent use of your card

  • Cash Advances up to $5,000 per day

  • Up to 20% hertz discount
Card Facts

Network:
Institution: Desjardins
Type:

Fees & Interest

Purchase Interest Rate: 19.9%
Cash Advance Interest Rate: 19.90%%
Balance Transfer Interest Rate: 19.90%%
First Year Annual Fee: $30
Annual Fee After First Year: $30

Eligibility

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

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

VISA Black Reward me

$42
per year  
point per $1 
2,500 
welcome points on 1st purchase 
Net Rewards
$163 Apply Now on Laurentian Bank's
secure website
Show Offer Details
Offer Summary

  • Only available for residents of Quebec and Ontario.
  • Welcome offer: Get 2,500 points with your first purchase.

  • 1 point for every dollar on other eligible purchases (1%)

  • Fee of $3.50 per month when the net monthly purchases are less than $350

  • Refer to site for terms and conditions.
Card Facts

Network:
Institution: Laurentian Bank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%%
Balance Transfer Interest Rate: 21.99%%
First Year Annual Fee: $42
Annual Fee After First Year: $42

Eligibility

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

RBC Signature Rewards Visa

$39
per year  
point per $1 
N/A 
 
Net Rewards
$166
Show Offer Details
Offer Summary

  • Earn 1 RBC Rewards point for every one dollar in purchases† you make with the card.

  • Earn bonus points§ when you shop online at the RBC Rewards eMall™.

  • Great for frequent shoppers who want to earn premium rewards and want premium benefits.

  • Redeem for gift cards, merchandise items, travel rewards, and RBC Financial Rewards® vouchers with rewards starting as low as 2,500 points!

  • Book travel rewards instantly. Only the RBC Rewards program has an online booking tool that's powered by Orbitz‡.

  • $39 Annual Fee Rebate is available for Student Banking1 and RBC Signature No Limit Banking account owners.
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: 21.99%%
First Year Annual Fee: $39
Annual Fee After First Year: $39

Eligibility

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

TD® Aeroplan®Visa Infinite Privilege

$399
per year  
1.5 
points per $1 
25,000 
Miles on your 1st purchase 
Net Rewards
$171 Apply Now on TD's
secure website
Show Offer Details
Offer Summary

  • Receive a Welcome Bonus of 25,000 Aeroplan Miles with your first Purchase

  • Earn 1.5 miles for every $1 you charge to your Card at gas stations, grocery and drug stores, and on eligible Air Canada purchases

  • Earn 1.25 miles for every $1 you spend on all other Purchases on your Card

  • Earn miles twice when you pay with your TD Aeroplan Visa Infinite Privilege Card and present your Aeroplan Membership Card at participating retailers and the Aeroplan eStrore

  • Extensive suite of travel insurances

  • Air Canada® 5 benefits such as: Priority Check-in on Air Canada flights (Primary Cardholder) Priority Boarding on Air Canada flights (Primary...
Card Facts

Network:
Institution: TD
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $399
Annual Fee After First Year: $399

Eligibility

Personal Income: $200000
Household Income: $200000
Credit Needed: Excellent

American Express® Business Gold Rewards

$250
1st year free, $250 after  
point per $1 
30,000 
Welcome bonus points 
Net Rewards
$180
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.

  • 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 month for all of your everyday business expenses, and earn reward points while you're at it.

  • Take advantage of purchasing...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: %
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: %
First Year Annual Fee: $0
Annual Fee After First Year: $250

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

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:

Westjet RBC MasterCard

$39
per year  
point per $1 
1.25 
points at WestJet 
Net Rewards
$191 Apply Now on RBC Royal Bank's
secure website
Show Offer Details
Offer Summary

  • 1% in WestJet dollars for every $1 spent on the card. 1.5% in WestJet dollars for every $1 spent on the card for WestJet flights or WestJet Vacations‡ packages.

  • $50 WestJet dollars as a welcome bonus when you make your first purchase with the card.

  • Every WestJet dollar is worth $1 Canadian toward travel with WestJet or WestJet Vacations.

  • Use your WestJet dollars just like cash towards all or part of your next WestJet flight or WestJet Vacations package* - whenever you want, wherever WestJet flies.

  • No blackout periods.

  • No seat restrictions.

  • No advance booking requirements.

  • Save - even on WestJet seat...
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: 21.99%%
First Year Annual Fee: $39
Annual Fee After First Year: $39

Eligibility

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

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

Shell CashBack World MasterCard® from BMO

$79
per year  
1.25% 
cash back per $1 
3% 
Cash back at Shell locations 
Net Rewards
$196
Show Offer Details
Offer Summary

  • 3% CashBack on every dollar you spend at Shell locations in Canada

  • 1.25% CashBack on every dollar you spend on purchases everywhere else

  • FREE Roadside Assistant ($69/year value)
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: $79
Annual Fee After First Year: $79

Eligibility

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

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:

TD® Aeroplan® Visa Platinum

$89
per year  
point per $1 
10,000 
signup Aeroplan Miles 
Net Rewards
$201 Apply Now on TD's
secure website
Show Offer Details
Offer Summary

  • Get up to 10,000 Aeroplan Miles1 with a TD Aeroplan Visa Platinum Card

  • Earn 1 mile for every $1 you spend on gas, grocery and drug store purchases using your Card

  • Earn 1 mile for every $1.50 you spend on all other purchases using your Card

  • Earn miles twice4 when you pay with your TD Aeroplan Visa Platinum Card and present your Aeroplan Membership Card at over 150 Aeroplan partner brands and with 100 online retailers through Aeroplan’s eStore. Visit aeroplan.com for a list of participating Aeroplan partners.

  • The protection of valuable insurances

  • No miles expiry as long as you are a Cardholder
...
Card Facts

Network:
Institution: TD
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $89
Annual Fee After First Year: $89

Eligibility

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

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

National Bank World Mastercard

$125
1st year free, $125 after  
points per $1 
N/A 
 
Net Rewards
$216 Apply Now on National Bank's
secure website
Show Offer Details
Offer Summary

  • Earn up to 2 points on ALL card purchases* without restrictions!

  • From August 6 to November 11, 2018, you can earn 25% more points or cashback (as applicable) when you buy gas at our partner Ultramar.

  • Out-of-province-of-residence medical/hospital insurance

  • Trip cancellation/interruption, flight delay and baggage inssurance

  • Rental vehicule insurance

  • Travel assistance service

  • Purchase protection in case of theft or damage

  • Extended Warranty

  • Concierge service

  • 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: $125

Eligibility

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

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

TD Platinum Travel Visa

$99
per year  
point per $1 on Travel 
15,000 
TD Points on your 1st purchase  
Net Rewards
$246 Apply Now on TD's
secure website
Show Offer Details
Offer Summary

  • Earn a Welcome Bonus of 15,000 TD Points following your first purchase (that's worth $75 towards any travel)

  • Earn 3 TD Points for every $1 you spend on Purchases using your Card (equivalent to a 1.5% return on your purchase)

  • Earn 4 TD Points when you book travel over the phone through either Expedia® For TD (that's a 2% return on your travel purchases!)

  • Earn 6 TD Points when you book travel online through Expedia® For TD (that's a 3% return on your travel purchases!)
Card Facts

Network:
Institution: TD
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $99
Annual Fee After First Year: $99

Eligibility

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

RBC Visa Infinite Avion

$120
per year  
1.25 
points per $1 
15,000  
Welcome Points 
Net Rewards
$259 Apply Now on RBC Royal Bank's
secure website
Show Offer Details
Offer Summary

  • Start Flying with 15,000 Welcome Points.

  • Earn 1 RBC Rewards point for every $1 spent using your card.

  • Earn 25% more on all travel related purchases (rental cars, hotels, etc.)

  • Earn bonus points when you shop online at the RBC Rewards eMallTM

  • Earn additional RBC Rewards points when you book travel with Carlson Wagonlit Travel‡ or rent a vehicle at any participating Thrifty Car Rental‡ locations in Canada RBC is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Offer subject to change without notice.
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: $120
Annual Fee After First Year: $120

Eligibility

Personal Income: $60000
Household Income: $120000
Credit Needed: Excellent

Scotia Momentum® VISA

$39
per year  
2% 
cash back on eligible purchases 
2.99% 
rate on transfers 1st 6 months 
Net Rewards
$267
Show Offer Details
Offer Summary

  • Get an introductory 2.99% on Balance transfers for the first six months.

  • Cash back with low annual fee

  • 2% on eligible fas station, grocery store and drug store purchases, and reoccurring bill payments

  • 20% AVIS rental car 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: $39
Annual Fee After First Year: $39

Eligibility

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

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

CIBC Dividend Platinum VISA

$99
per year  
4% 
cash back on categories 
N/A 
 
Net Rewards
$279 Apply Now on CIBC's
secure website
Show Offer Details
Offer Summary

  • Earn 4% cash back at the gas station and grocery store

  • No limit on the total cash back you can earn

  • Earn 2% cash back at Tim Hortons® and TELUS® 1% cash back on all other purchases
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: $99
Annual Fee After First Year: $99

Eligibility

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

CIBC Dividend VISA Infinite

$99
per year  
2% 
cash back on categories 
N/A 
 
Net Rewards
$279 Apply Now on CIBC's
secure website
Show Offer Details
Offer Summary

  • Earn 4% cash back on gas and grocery purchases

  • Earn 2% cash back on Tim Hortons® and TELUS® purchases

  • Earn 1% cash back on all other purchases

  • Note:The 4% and 2% cash back offers are only available on the first $80,000 in net annual card purchases, or $20,000 on gas, grocery, TELUS or Tim Hortons purchases on your account— whichever comes first
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: $99
Annual Fee After First Year: $99

Eligibility

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

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 World Elite MasterCard

$120
per year  
1.5% 
cash back on all purchases 
4% 
Cash back 1st 4 months 
Net Rewards
$300 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Welcome Offer: Get 4% cash back on every purchase (up to $250 cash back) in your first 4 months.

  • Earn 1.5% CashBack on ALL card purchases - without restrictions!

  • Complimentary membership in Mastercard Airport

  • Experiences provided by LoungeKey

  • Complimentary Roadside Assistance Program

  • BMO CashBack World Elite Travel and Medical Protection

  • Extended Warranty Plus

  • Purchase Protection Plus

  • BMO Concierge Service

  • Please note: the average cashback rewards calculator is based on your total monthly spend, and takes into account the welcome bonus.

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for...
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: $120
Annual Fee After First Year: $120

Eligibility

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

TD First Class Travel® Visa Infinite

$120
per year  
points per $1 
20,000 
TD Points on your 1st purchase 
Net Rewards
$300 Apply Now on TD's
secure website
Show Offer Details
Offer Summary

  • Receive a Welcome Bonus of 20,000 TD Points after your first Purchase

  • You could receive another 5,000 bonus TD Points if you keep your Account open, active and in good standing for 90 days after your Account is opened

  • You could earn another 5,000 bonus TD Points when you add an Authorized User to your Account by December 2

  • Earn 3 TD Points for every $1 spent on Purchases made using your Card

  • Earn 9 TD Points for every $1 spent on travel purchases made online through ExpediaForTD.com with your Card

  • TD Points can be redeemed to help pay for almost any travel expense...
Card Facts

Network:
Institution: TD
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $120
Annual Fee After First Year: $120

Eligibility

Personal Income: $60000
Household Income: $100000
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

CIBC Aventura VISA Infinite

$120
per year  
point per $1 
15,000 
Aventura Points Welcome Bonus 
Net Rewards
$301 Apply Now on CIBC's
secure website
Show Offer Details
Offer Summary

  • 15,000 Aventura® Points Welcome Bonus after first purchase

  • Earn 1 Aventura Point for every $1 spent using your card

  • 1.5 Aventura Points for every $1 spent at gas stations, grocery stores and drug stores

  • Earn 2 Aventura Points when you purchase your trip through the CIBC Aventura Rewards Centre

  • Earn 3 Aventura Points for every $1 spent at participating CIBC Bonus Rewards restaurants, hotels, inns and spas

  • No black-out periods when redeeming points for travel on any airline

  • Earn travel rewards on all your purchases
  • Enjoy perks such as Avis® and Budget® car rental discounts

  • Enjoy Visa Infinite Exclusive Offers including, access...
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: $120
Annual Fee After First Year: $120

Eligibility

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

VISA EXPLORE

$110
per year  
points per $1 on bills 
11,000 
points on first 1K in 3 months 
Net Rewards
$312 Apply Now on Laurentian Bank's
secure website
Show Offer Details
Offer Summary

  • Only available for residents of Quebec and Ontario.

  • Get 2,500 points with your first purchase and 8,500 points when you charge $1,000 to your account within the first 3 months.

  • 3 points for every dollar on recurring payments (3%)

  • 2 points for every dollar on foreign currency purchases and transportation-related purchases (2%)

  • 1 point for every dollar on other eligible purchases (1%) Redeem your points for rewards, gift cards or travel credits (no booking restriction) : 10,000 points = $100 rebate on your trip

  • Comprehensive travel insurance included

  • Refer to site for terms and conditions. For Ontario/Quebec residents only.
Card Facts

Network:
Institution: Laurentian Bank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%%
Balance Transfer Interest Rate: 21.99%%
First Year Annual Fee: $110
Annual Fee After First Year: $110

Eligibility

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

CIBC Aerogold VISA Infinite

$120
per year  
point per $1 
15,000 
Aeroplan Miles Welcome Bonus 
Net Rewards
$315 Apply Now on CIBC's
secure website
Show Offer Details
Offer Summary

  • 15,000 Aeroplan Miles Welcome Bonus1 - That's enough for a short-haul flight in Economy class to select destinations

  • Earn 1 Aeroplan Mile for every $1 spent using your card

  • Earn 1.5 Aeroplan Miles for every $1 spent at gas stations, grocery stores, drug stores and on purchases at aircanada.com3 (excluding Air Canada Vacation packages)

  • Earn 3 times the Aeroplan Miles for every $1 spent at participating CIBC Bonus Rewards restaurants, hotels, inns and spas

  • Earn even more Aeroplan Miles at over 150 participating Aeroplan Partners, when you use your CIBC Aerogold Visa Infinite Card and present your Aeroplan Card

  • Vacation packages, car rentals, and...
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: $120
Annual Fee After First Year: $120

Eligibility

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

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

TD® Aeroplan®Visa Infinite

$120
per year  
1.5 
points per $1 
15,000 
Miles on your 1st purchase 
Net Rewards
$330 Apply Now on TD's
secure website
Show Offer Details
Offer Summary

  • Receive a Welcome Bonus of 15,000 Aeroplan Miles with your first purchase

  • Earn miles twice when you pay with your TD Aeroplan Visa Infinite Card and present your Aeroplan Membership Card at participating retailers and the Aeroplan eStore. Earn 1.5 miles for every $1 spent on eligible gas, grocery, drugstore and aircanada.com purchases made with your Card

  • Earn 1 mile6 for every $1 you spend on all other purchases on your Card, when you pay with your TD Aeroplan Visa Infinite Card and present your Aeroplan Membership Card at over 150 Aeroplan partner brands and with 100 online retailers

  • Enjoy an extensive suite of travel insurances...
Card Facts

Network:
Institution: TD
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $120
Annual Fee After First Year: $120

Eligibility

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

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 American Express® Gold Rewards

$150
per year  
points per $1 
25,000 
Membership Rewards points 
Net Rewards
$358 Apply Now on American Express's
secure website
Show Offer Details
Offer Summary

  • New American Express® Gold Rewards* Charge Card Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of Cardmembership. That’s enough to redeem for a round-trip Fixed Mileage Flight Reward TM* to almost anywhere in North America. Earn 2 points for every $1 on eligible travel and everyday purchases. Earn one point for every $1 in Card purchases everywhere else.

  • Transfer your points instantly 1:1 to Aeroplan®*4. You can also transfer your points to other frequent flyer and hotel rewards programs like Delta SkyMiles®, Asia Miles19, Etihad Guest20, Starwood Preferred Guest® and more

  • Charge any...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 30%
Cash Advance Interest Rate: 3.00%%
Balance Transfer Interest Rate: %
First Year Annual Fee: $150
Annual Fee After First Year: $150

Eligibility

Personal Income: $20000
Household Income: $0
Credit Needed: Good

VISA DOLLARS

$65
per year  
3% 
cash back on categories 
6% 
on categories for 1st 3 months 
Net Rewards
$367 Apply Now on Laurentian Bank's
secure website
Show Offer Details
Offer Summary

  • Only available for residents of Quebec and Ontario. Welcome offer: Welcome offer: Get 6% cashback on gas and groceries for the first 3 months (maximum of $120 cashback).

  • 3% on pre-authorized payments

  • 2% on groceries and gas

  • 1% on all other eligible purchases

  • No maximum cashback cap. Redeem your cashback as soon as you earn $25.

  • Purchase insurance and extended warranty.

  • Refer to site for terms and conditions. For Ontario/Quebec residents only.
Card Facts

Network:
Institution: Laurentian Bank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%%
Balance Transfer Interest Rate: 21.99%%
First Year Annual Fee: $65
Annual Fee After First Year: $65

Eligibility

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

MBNA Rewards World Elite

$89
per year  
point per $1 
10,000 
Bonus points 
Net Rewards
$371
Show Offer Details
Offer Summary

  • 2 MBNA rewards points for every $1 in eligible purchases‡

  • 10,000 bonus points†† with first eligible purchase

  • No limit to the points that can be earned in a year, points don't expire

  • Excellent redemption value

  • World Elite Benefits

  • Price Protection

  • Concierge Service

  • World Offers
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: $89
Annual Fee After First Year: $89

Eligibility

Personal Income: $70000
Household Income: $
Credit Needed: Good

Laurentian Bank Visa Infinite

$130
per year  
points per $1 
3,000 
points with your first purchase 
Net Rewards
$378 Apply Now on Laurentian Bank's
secure website
Show Offer Details
Offer Summary

  • Only available for residents of Quebec and Ontario. Welcome offer: Get 3,000 points with your first purchase and 10,000 points when you charge $1,000 to your account within the first 3 months.

  • 3 points for every dollar on pre-authorized payments (3%)

  • 2 points for every dollar on travel, gas, groceries, transportation-related purchases, and foreign currency purchases (2%)

  • 1 point for every dollar on all other eligible purchases (1%)

  • Redeem you points for cashback, rewards, gift cards or travel credits (no booking restriction) : 10,000 points = $100 cashback

  • Comprehensive travel insurance included

  • For Ontario/Quebec residents only.
Card Facts

Network:
Institution: Laurentian Bank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%%
Balance Transfer Interest Rate: 2.99%%
First Year Annual Fee: $130
Annual Fee After First Year: $130

Eligibility

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

Starwood Preferred Guest from American Express

$120
per year  
points per $1 
50,000 
Bonus points 
Net Rewards
$381 Apply Now on American Express's
secure website
Show Offer Details
Offer Summary

  • New Starwood Preferred Guest®* Credit Card from American Express Cardmembers, earn 50,000 bonus points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership.* (enough for 4 free nights at a Category 2 hotel)

  • Earn 5 points for every dollar in eligible Card purchases at participating SPG®* and Marriott Rewards®* properties.

  • Earn 2 points for every $1 in all other Card purchases.

  • Receive an Annual Free Night Award at eligible hotels and resorts worldwide every anniversary.

  • No annual fee on Supplementary Cards.

  • Redeem points for free nights with no blackout dates at over 6,500 of the world's most...
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: $120
Annual Fee After First Year: $120

Eligibility

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

WestJet RBC World Elite Mastercard

$119
per year  
1.5 
points per $1 
points at WestJet 
Net Rewards
$401 Apply Now on RBC Royal Bank's
secure website
Show Offer Details
Offer Summary

  • 1.5% in WestJet dollars on everyday purchases

  • 2% back in WestJet dollars on WestJet flights or WestJet Vacation packages using your card

  • Get 250 welcome WestJet dollars with your first purchase.

  • Free first checked bags for the primary cardholder

  • Receive an annual round-trip companion voucher and go anywhere WestJet flies - starting at $99 (plus tax,es fees and charges)

  • No blackout periods.

  • No seat restrictions.

  • No advance booking requirements.

  • Save on WestJet's seat sales.
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: 21.99%%
First Year Annual Fee: $119
Annual Fee After First Year: $119

Eligibility

Personal Income: $70000
Household Income: $150000
Credit Needed: Excellent

Scotia Momentum® Visa Infinite

$99
1st year free, $99 after  
4% 
cash back on categories 
N/A 
 
Net Rewards
$438
Show Offer Details
Offer Summary

  • 4% cash back on eligible gas station and grocery store purchases

  • 2% cash back on eligible drug store purchases and recurring bill payments

  • 1% cash back on all other eligible everyday purchases Annual fee waived for first year ($99 value)

  • VISA Infinite Complimentary Concierge Service - available 24/7

  • Access to VISA Infinite Luxury Hotel Collection.

  • VISA Infinite Dining Series - Unique dining experiences in some of Canada's top restaurants

  • Special access to unique offers and experiences

  • Subject to credit approval
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: $99

Eligibility

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

BMO AIR MILES World Elite MasterCard

$120
1st year free, $120 after  
mile per $10 
2,000 
Bonus Air Miles 
Net Rewards
$480 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Welcome Offer: Get 2,000 AIR MILES Bonus Miles after your first card purchase*

  • Exclusive 15% Flight Discount on all AIR MILES flights in North America with no blackout periods*

  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus two annual complimentary passes
  • Earn 1 reward mile for every $10 in credit card purchases, everywhere you spend

  • Earn Miles twice when you use your BMO AIR MILES Mastercard and show your AIR MILES Card at AIR MILES Partners

  • BMO AIR MILES World Elite Travel and Medical Protection

  • BMO Concierge Service

  • Use your card at Costco

  • BMO is not...
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: $120

Eligibility

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

BMO World Elite MasterCard

$150
1st year free, $150 after  
point per $1 on categories 
35,000 
Welcome bonus points 
Net Rewards
$542 Apply Now on Bank of Montreal's
secure website
Show Offer Details
Offer Summary

  • Welcome Offer: Get 35,000 welcome points (after you spend $3,000 in the first 3 months)

  • Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases

  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus four annual complimentary passes

  • Get 2 points for every $1 spent everywhere else* Points can be used to cover all flight charges & taxes Fly on any airline, with no blackout dates

  • Best in-class travel and medical insurance (unlimited trips per year)

  • BMO Concierge Service

  • BMO is not responsible for maintaining the content on this site. Please click on...
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: $150

Eligibility

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

Scotiabank® Gold American Express

$99
per year  
points per $1 on eligible spend 
15,000 
Bonus Scotia Rewards points 
Net Rewards
$555
Show Offer Details
Offer Summary

  • 15,000 bonus points ($150 value) with your first $1000 in everyday purchases in the first 3 months.

  • Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment

  • Earn one point on all other eligible everyday purchases

  • Book and redeem for travel anywhere, anytime, with no travel restrictions.

  • 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.

  • Comprehensive Travel Insurance Coverage

  • Complimentary Concierge Services 24/7

  • Access to airport lounges,...
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: $99
Annual Fee After First Year: $99

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Scotiabank Gold American Express

$99
per year  
points per $1 
15,000  
bonus points on your first 1K 
Net Rewards
$555
Show Offer Details
Offer Summary

  • 15,000 bonus points ($150 value) with your first $1000 in everyday purchases in the first 3 months.

  • Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment

  • Earn one point on all other eligible everyday purchases

  • Book and redeem for travel anywhere, anytime, with no travel restrictions.

  • 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.

  • Comprehensive Travel Insurance Coverage

  • Complimentary Concierge Services 24/7

  • Access to airport lounges,...
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 20%
Cash Advance Interest Rate: %
Balance Transfer Interest Rate: 22.99%%
First Year Annual Fee: $99
Annual Fee After First Year: $99

Eligibility

Personal Income: $30000
Household Income: $
Credit Needed: Very Good

American Express Cobalt

$120
per year  
points per $1 on categories 
30,000 
Membership Rewards points 
Net Rewards
$600 Apply Now on American Express's
secure website
Show Offer Details
Offer Summary

  • $10 per month of credit card membership ($120 annually)

  • In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year.

  • Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada

  • Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That’s 2X the points on purchases that get you from point A to B
  • ...
Card Facts

Network:
Institution: American Express
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%%
Balance Transfer Interest Rate: 3.00%%
First Year Annual Fee: $120
Annual Fee After First Year: $120

Eligibility

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


Credit Card Loyalty Rewards

How Rewards Credit Cards Work?

Card rewards have been designed by institutions to attract customers, as well as keeping those customers loyal to their brand. You can earn reward points or cash back when using the card at various locations including restaurants, flights, hotels or shopping.

You will also find that credit cards companies offer generous sign up bonuses, which when used correctly can save you thousands of dollars. For example some cards offer thousands of sign-up points that can be redeemed for air travel.

Many rewards cards also offer an increased amount of points on specific type of spending, for example 2X points for gas or groceries. However it’s important to point out that points offered by various institutions have different values, therefore it’s important to compare the cash value of points and not just the number.

For these reasons rewards cards are very popular and people often brag about getting trips around the world “for free” on points.

How To Use Our Calculator

With so many cards and features to choose from it’s not easy to pick the right card for you. InterestRates.ca is designed save time and to help Canadians find which cards are ideal, based on their individual spending habits.

Use the calculator icon (bottom right of page) to input your monthly spending on the following criteria: Groceries, Restaurants, Pharmacy, Bills, Gas, Travel, Entertainment & Other spending. Then easily compare hundreds of cards to see your net annual rewards for each one, sorted by the highest reward first.

InterestRates.ca automatically calculates rewards based on your spending amounts, the credit card interest rates, fees, bonuses, points, point values and other factors.

Using our rewards search results

To start it’s good to determine what rewards you are most interested in & what your credit requirement limitations are. Then with this information at hand you can start to narrow down your options further.

Our Estimated Net Annual Rewards results illustrates the monetary benefit for you to use that card. Using our calculator (icon on right hand side) you can input your spending per category and we calculate rewards based on your actual spending habits.

We also show annual fees, the effective interest rate, minimum income required and if any welcome bonus is offered by the issuer. From there you can drill into details such as cards with extra travel insurance to choose a card by the benefits and rewards most important to you.

Our Evaluation Methodology

InterestRates.ca reviews all the fine print for each credit card to ensure our estimate models are as accurate as possible. The rewards cards estimate is based on a proprietary formula blending data collected from each institution as well as other sources. Some of the factors we consider in our research to identify the best cards are:

Rewards Rates – Credit card rewards come in different forms such as points (aka. miles, travel points, store points, gas points) or cash back. Points based cards offer you a point every time you make a purchase and which accumulates towards purchasing various items such as flights or hotels. Cash back credit cards offer you cash rebates on your purchases, typically in the range of 0.5 to 4%, meaning that a 4% credit card will return $4 for every $100 you spend. The rebate on cash back cards is normally credited back to your card monthly. We calculate the rewards rate for each spending category to determine what the rewards are worth based on your monthly spending habits.

Other Rates & Fees – We track purchase interest rates, transfer interest rates & cash advance interest rates normally ranging from 10 percent to 25 percent, so that you know exactly what you’re getting. Cards can also have annual fees and most issuers and some issuers offer no late fees.

Sign-up Bonuses – Are offered by banks to attract new customers however it’s not always easy to identify what is the best offer because they are offered as points or cash back. For example some cards may offer a 20,000 Points when you spend a certain amount in the first 3 months, while another may offer a straight cash back. How do you determine what is the best offer, especially since each point is worth different amounts for various cards. Therefore we analize how much money the bonus actually is and what is the required spending and time limit.

Point Values – Each card company values their points differently some offering 1 or 2 cents per point. As such to do a proper comparison of all cards, it’s vital to identify the exact monetary value of each point.

Redemption Options & Flexibility – Most credit issuers will deposit the cash back reward back to your card monthly, while point cards allow you to redeem for gift cards, merchandise, flights, hotels and more. We evaluate minimum required redemptions and expirations.

Credit Needed – To be approved for a credit card you need to know your credit rating. There are cards for people with no credit, bad, good & excellent credit but before you fall in love with a card, be sure to check credit requirements.

Extra Card Features – Some rewards cards carry additional perks such as free first checked baggage when flying. We look at these small additions that can bring added value to a card.

Travel Benefits – Many rewards cards are offering additional travel benefits such as accident insurance, car rentals insurance or lost luggage reimbursement.

Rewards Cards Advantages & Disadvantages

A rewards credit card can deliver some great benefits, however there are also many pitfalls such as overspending & missing payments to watch out for. When choosing a card it’s important to understand that not everything is as it seems - for example annual fees could be an indicator that the card offers superior rewards.

Therefore it’s important to research your choices and consider the advantages and disadvantages of rewards cards to help you decide which one is right for you:

ADVANTAGES:

Perks - Additional travel and shopping perks. If you are an avid traveler it may make sense to have a card that offers free car insurance, accident travel insurance or other extended warranties.

Gain rewards - The primary advantage of a rewards card is that it allows you to build-up points/miles/cash and earn hundreds to thousands of dollars per year. Many times it makes sense to switch expenses that you already pay for, to a credit card to earn rewards.

Save on fees - With some rewards cards (example: travel cards) you may have no foreign transaction fees. Also most cash back cards may not carry an annual fee.

Credit - As with most cards one of the important reasons to have a credit card is that it allows you to build credit. This of course provided that you pay it on time without missing payments.

DISADVANTAGES:

Higher interest rates - Most rewards cards normally charge a higher interest rate then others, therefore to best take advantage of it, you must be sure to pay it in full each month.

Higher credit rating - Most cards with rich reward offerings tend to require higher credit scores to approve applications, therefore be sure to know your credit rating.

Time consuming - Some cards are straight forward and offer the same rates for all spending, however not all. Other cards have limits in certain categories, therefore you have to keep track of your spending per category to maximize your rewards without going over budget.

Can be damaging - If you don’t manage your card wisely and pay it off on time every month you can damage your credit. Also high balances are not beneficial and in most cases you can undo any earnings you’ve made from rewards if you go over budget.

Types of Rewards

There is a variety of rewards you can earn raging from cash, gas, retail, travel and airline loyalty cards:

Cash Back - These rewards cards return a portion of your spending back to your card as credits (aka: cash back credit cards). It’s important to note that credits are most likely not applied to towards your payment. These rewards are easy to earn & calculate because it’s normally 1% - 2% of your monthly spending.

Travel - One of the most popular types of rewards, travel cards can offer additional benefits while out of the country.

Luxury - Cards like American Express offer luxury perks such as 24/7 concierge services and special access to airport lines and lounges.

Hotel - These types of cards reward you for staying at particular hotel brands because of their partnerships with these companies.

Gas - If you drive a lot it makes sense to look for a card that offers high rewards at gas stations. The card will probably also reward you for other categories such as groceries and travel.

Store - Retail loyalty credit cards are offered often by department stores & other big brands such as Walmart. These credit cards can offer a high reward rate for frequent shoppers at their store.

Build credit - Some cards are targeting people who have low credit ratings and offer them a way to build back their credit rating. Normally rewards are lower for this type of reward card, but it’s still a great way earn while you build-up your credit score.

Business - If most of your spending is for your business, these cards offer rewards for business related spending.

How To Get The Most Out Of Your Rewards Card?

A reward card can be beneficial when you know how to use it. That means understanding how much you will spend on it and what you’ll buy with it. Here is a quick guide on how to make the most of your rewards points:

  • Before you apply be sure to check the credit minimum income requirements and that you can meet them. This way you can be sure that you’ll qualify before applying.

  • Choose a credit card based on your actual spending habits. For example if you are a frequent traveler then you may want to focus on travel rewards that will give you access to flight discounts, airport lounges & other perks. If you drive a lot maybe increased rewards on gas points is what you’re after.

  • Make sure to calculate your annual spending and that you would at least recuperate your card’s annual fee.

  • Most cards offer attractive sign up bonuses, but check to make sure that you’ll meet the spending requirements and that you can take full advantage of the bonus on the spending categories that get you most rewards. You have to avoid the temptation of reaching your spending though purchases that do not reward you points.

  • Try to transfer as much spending as you can on the card. For example if you eat out at restaurants a lot - always pay with the card to collect points. Same for all other expenses: groceries, bills, traveling - try to put as much of it on the card.

  • Always pay on time & in full if possible. Most of the time if you cannot pay the card monthly in full, the rewards don’t make-up for the interest charged. Therefore it’s important to not go over the limit or pay late, as this could cost you more then the reward earnings.

  • Understanding the rewards scheme will help you make better decisions on how to take advantage of store deals & other shopping portals. Most cards don’t reward you the same for all spending categories, therefore you must be aware of which type of spending will allow you to maximize your benefits.

How To Choose a Rewards Card?

With so many options available, sometimes the decision is overwhelming. You can overcome this and find the best card for you by doing a little bit of homework and asking yourself few basic questions. Some of your considerations should be:

  • Make sure to think about your spending habits to determine what type of rewards you’re likely to use most. If you travel a lot then a travel card is a no brainer, while a cash back card could keep things simple while earning rewards on everyday purchases.

  • Determine the card benefits and how they align with your spending habits and wants. For example for frequent travellers access to lounges and car rental insurance can be a big plus.

  • Are points offered at retailers where you shop frequently? If so then it could be a great way to earn points shopping at your favourite locations.

  • Resist the temptation of adding spending to your credit card that you do not have money at the end of the month to pay in full. Credit cards should not be used as long term loans since interest rates are typically higher then a line of credit or other loans.

  • Stay on budget and make sure that you can make payment in full every month. Consider that if you do not, the interest cost will outweigh your rewards benefit. Similarly it’s very important that you don’t put your account & credit at risk by incurring late charges.

How To Redeem Credit Card Rewards?

No matter if you earn points or cash back rewards you will have various options of redeeming your rewards. Most programs offer redemption through credits back to your credit card statement, gift cards, branded shopping portals or checks:

  • The most popular way to redeem rewards is often a monthly direct credit back to your card. It’s simple, automatic and easy to track.

  • Travel specific portals where you can redeem your rewards towards flights and preferred reservations at specific airlines.

  • Generic portals where you can monitor your reward points and shop directly.

  • Some cards have partnerships with branded stores where you can redeem points in exchange for goods and services.

  • In today’s world online shopping can be a great way of redeeming points. Companies such as Amazon offer partnerships with cards that allow redemption for beauty supplies, clothing, household goods and more.

  • Some issuers keep it old school and will send you a cheque.

Credit Rating Needed For Rewards Cards

Most credit cards require a good credit rating (a score of at least 650), however there are cards for every budget. Typically rewards cards have annual fees that along with the higher then normal credit requirements make them useful only in those cases when it offers significant benefits for you.

If a rewards card is not for you there are options such as student cards, secured cards or even straight cash back cards with low or no annual fees and lower qualification requirements.