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Credit Card Coach |
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MBNA Alaska Airlines World Elite® Mastercard® credit card |
| GCR Rebate $50 |
Initial Rewards 30,000 bonus miles†† |
Credit Needed Good |
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American Express® Cobalt™ Credit Card |
| Card Type | Credit |
| Annual Fee | $12.99 per month of Cardmembership ($155.88 annually) |
| Additional Card Fee | $0 |
| Cash Advance Rate | 21.99%* |
| Balance Transfer? | No |
| Late Fee | N/A |
• 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 5x the points on eligible eats and drinks in Canada, including groceries and food delivery.
• 30,000 points is enough for:
□ $300 in statement credits redeemed towards purchases charged to your Card or
□ $225 in American Express® Prepaid Cards
• Plus, you can earn a Welcome Bonus of 20,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership
| GCR Rebate $120 |
Initial Rewards 15,000 Membership Rewards® points in first three months |
Credit Needed Fair |
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Tangerine Money-Back Credit Card |
| GCR Rebate $125 |
Initial Rewards Earn an extra 15% back (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months. |
Credit Needed Fair |
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Marriott Bonvoy™ American Express® Card |
| GCR Rebate $60 |
Initial Rewards 70,000 Marriott Bonvoy™ points |
Credit Needed Good |
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Scotia Momentum® VISA* Infinite card |
| GCR Rebate $60 |
Initial Rewards No annual fee in the first year, including on supplementary cards. |
Credit Needed Excellent |
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MBNA Alaska Airlines Platinum Plus® Mastercard® |
| GCR Rebate $50 |
Initial Rewards 20,000 bonus miles†† |
Credit Needed Good |
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Scotiabank®* Gold American Express® Card |
| GCR Rebate $60 |
Initial Rewards Up to 40,000 bonus Scene+ points |
Credit Needed Good |
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MBNA Best Western Mastercard® credit card |
| GCR Rebate $50 |
Initial Rewards 20,000 Points |
Credit Needed Good |
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Tangerine World Mastercard® |
| GCR Rebate $125 |
Initial Rewards Earn an extra 15% back* (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months |
Credit Needed Fair |
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Marriott Bonvoy™ Business American Express® Card |
| GCR Rebate $75 |
Initial Rewards 70,000 Bonus Marriott Bonvoy™ points |
Credit Needed Fair |
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American Express Gold Rewards Card |
| Card Type | Credit |
| Annual Fee | $250 |
| Additional Card Fee | $50 (1 Free Additional Gold Rewards Card) |
| Cash Advance Rate | 21.99% |
| Late Fee | N/A |
| GCR Rebate $120 |
Initial Rewards 50,000 Membership Rewards® points |
Credit Needed Good |
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American Express AIR MILES Platinum Credit Card |
| Card Type | Credit |
| Annual Fee | $120 |
| Additional Card Fee | $0 |
| Cash Advance Rate | 21.99%* |
| Late Fee | N/A |
| GCR Rebate $10 |
Initial Rewards 2,000 AIR MILES®* Bonus Miles |
Credit Needed Good |
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American Express Business Edge™ Card |
| GCR Rebate $75 |
Initial Rewards 45,000 Welcome Bonus points |
Credit Needed Fair |
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MBNA True Line® Mastercard® credit card |
| GCR Rebate $40 |
Initial Rewards 12.99% on purchases |
Credit Needed Good |
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SimplyCash Card from American Express |
| Card Type | Credit |
| Annual Fee | $0 |
| Additional Card Fee | $0 |
| Cash Advance Rate | 21.99%* |
| Late Fee | N/A |
| GCR Rebate $20 |
Initial Rewards 4% cash back |
Credit Needed Good |
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SimplyCash Preferred Card from American Express |
| Card Type | Credit |
| Annual Fee | $99 |
| Additional Card Fee | $0 |
| Cash Advance Rate | 21.99%* |
| Late Fee | N/A |
| GCR Rebate $40 |
Initial Rewards 10% cash back |
Credit Needed Good |
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MBNA Rewards World Elite® Mastercard® credit card |
| GCR Rebate $50 |
Initial Rewards up to 30,000 bonus points |
Credit Needed Good |
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Scotiabank SCENE® VISA* card |
| GCR Rebate $45 |
Initial Rewards 5,000 bonus Scene+ points |
Credit Needed Good |
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MBNA Smart Cash Platinum Plus® Mastercard® |
| GCR Rebate $50 |
Initial Rewards 5% Cash Back†† |
Credit Needed Good |
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Business Platinum Card® from American Express® |
| Card Type | Charge |
| Annual Fee | $499 which may be tax deductible. |
| Additional Card Fee | $199 annually for Business Platinum Cards®; $50 annually for Business Gold Cards® |
| Cash Advance Rate | N/A |
| Late Fee | N/A |
| GCR Rebate $150 |
Initial Rewards 80,000 Welcome Bonus points |
Credit Needed Excellent |
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American Express Business Gold Rewards Card |
| Card Type | Charge |
| Annual Fee | $199 |
| Additional Card Fee | $50 |
| Cash Advance Rate | N/A |
| Late Fee | N/A |
| GCR Rebate $125 |
Initial Rewards 60,000 Welcome Bonus points |
Credit Needed Good |
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Scotia Momentum® No-Fee VISA card |
| GCR Rebate $40 |
Initial Rewards 1.99% introductory interest rate |
Credit Needed Good |
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Scotiabank Value® VISA* card |
| GCR Rebate $60 |
Initial Rewards 0.99% for balance transfers |
Credit Needed Good |
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MBNA True Line® Gold Mastercard® credit card |
| GCR Rebate $40 |
Initial Rewards 8.99% on purchases |
Credit Needed Good |
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MBNA Harley-Davidson® Mastercard® Credit Card |
| GCR Rebate $50 |
Initial Rewards NA |
Credit Needed Good |
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Scotiabank Passport™ Visa Infinite* Card |
| GCR Rebate $55 |
Initial Rewards Up to 30,000 bonus Scene+ points |
Credit Needed Excellent |
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Scotiabank® GM® VISA* Card |
| GCR Rebate $45 |
Initial Rewards Earn 5% in GM Earnings |
Credit Needed Good |
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Scotiabank® GM® VISA* Infinite Card |
| GCR Rebate $60 |
Initial Rewards 5% in GM Earnings |
Credit Needed Good |
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Scotiabank®* Platinum American Express® card |
| GCR Rebate $60 |
Initial Rewards 30,000 bonus Scene+ points |
Credit Needed Excellent |
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MBNA Rewards Platinum Plus® Mastercard® |
| GCR Rebate $50 |
Initial Rewards 4 points†† for every $1 spent |
Credit Needed Good |
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HSBC World Elite® Mastercard® |
| GCR Rebate $50 |
Initial Rewards Earn up to 100,000 Points* ($500 travel value) PLUS a full annual fee rebate for the Primary Cardholder for the first year ($149 value) |
Credit Needed Good |
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ScotiaGold Passport® VISA* card |
| GCR Rebate $60 |
Initial Rewards 5,000 Scene+ points |
Credit Needed Good |
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MBNA Smart Cash® World Mastercard® |
| GCR Rebate $50 |
Initial Rewards 5% Cash Back†† |
Credit Needed Good |
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American Express® AIR MILES®* Gold Business Card |
| GCR Rebate $25 |
Initial Rewards 150 Bonus AIR MILES®* Reward Miles |
Credit Needed Fair |
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Scotia Momentum® VISA* card |
* Visit the application page for further details
◊ Offer Description and Conditions: The Offer applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This rate applies when the new Scotia Momentum Visa card credit card account (“Account”) is opened by February 28, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. After the Promotional Period, the 2.99% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). There is no balance transfer fee on balances transferred during the Promotional Period.
Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card (with the exception of cardholders of the Scotiabank More Rewards credit card) in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.
Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.
Rates and Fees: A Balance Transfer fee of 0% of the amount of each Balance Transfer transferred during the Promotional Period applies to this Offer.
The current annual fee is $39 for the primary card and $15 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances.
All rates, fees, features and benefits are subject to change.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
One card that is becoming quite popular throughout Canada is the Scotia Momentum VISA card. The Momentum VISA card was created with the thought that some people might prefer getting cash back instead of receiving rewards or points for using it. Like having an extra savings account, the money that you save accrues on your monthly credit card statements for one year. At the end of that 12 month period, the money will either be deposited into your Scotiabank bank account, or it will show up as a credit on your VISA statement.
There are three main categories of businesses that will provide you with 2% cash back on your purchases: grocery stores, service stations, and drug stores. Almost every grocery store chain in Canada participate. It is a similar situation with service stations and drugstores. If you are unsure if your retailer is a participant, you can visit the Scotiabank website and download a comprehensive list.
If you want to, you can arrange to make recurring payments with your Visa card through participating retailers. This means that you should be able to pay your cable, gas, phone, and other utility bills using your card and more importantly, your code. Because of that, you will be able to receive 2% credited back to you on most of your monthly purchases.
By using a Scotia Momentum VISA card, you automatically qualify for a 20% discount on any car rental through Avis. You do not have to rent from Avis in Canada for this discount to be applicable. You can also take advantage of some technology that Scotia built into the Momentum VISA card called payWave. PayWave allows you to visit any participating merchant and wave your VISA card in the air near the cash register to pay your bill. It is designed to make it much easier and more secure for you to walk into a service station or restaurant and pay.
| GCR Rebate $45 |
Initial Rewards 2.99% rate on balance transfers |
Credit Needed Good |
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CIBC Aventura® Gold Visa* Card |
◊ Get a total of up to 40,000 Aventura Points (up to $850 in travel value†):
• 20,000 Aventura Points when you make your first purchase†
• 15,000 Aventura Points when you spend $1,000 monthly or more during the first year.†
• 5,000 Aventura Points as an additional anniversary bonus.†
◊ Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): over $189 value†.
Ongoing Purchase APR : 20.99% †
Ongoing Balance Transfer APR : 22.99% †, 21.99% † (for Quebec residents)
Cash Advance APR : 22.99% †, 21.99% † (for Quebec residents)
◊ Enjoy a Priority Pass Membership and 4 complimentary visits per year at 1,300+ airport lounges†: over $200 value.†
◊ Plus, get a NEXUS◊ Application Fee rebate†: A $50 value†
◊ Plus, enjoy extra valuable travel benefits.
◊ Travel when it’s right for you – your Aventura points don’t expire†
◊ Redeem your Aventura points for more than travel with our Shop With Points/Pay with Points features†
◊ Travel local - Aventura points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
Save on gas with CIBC and Journie Rewards
Link and use your CIBC Aventura Gold Visa Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
| GCR Rebate NA |
Initial Rewards Join and get over $1,250 in value including a first year annual fee rebate†! |
Credit Needed Good |
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CIBC Aventura® Visa Infinite* Card |
◊ Get a total of up to 40,000 Aventura Points (up to $850 in travel value†):
• 20,000 Aventura Points when you make your first purchase†
• 15,000 Aventura Points when you spend $1,000 monthly or more during the first year.†
• 5,000 Aventura Points as an additional anniversary bonus.†
◊ Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): over $189 value.†
Ongoing Purchase APR : 20.99% †
Ongoing Balance Transfer APR : 22.99% †, 21.99% † (for Quebec residents)
Cash Advance APR : 22.99% †, 21.99% † (for Quebec residents)
◊ Enjoy a Priority Pass Membership and 4 complimentary visits per year at 1,300+ airport lounges†: over $200 value.†
◊ Plus, get a NEXUS◊ Application Fee rebate†: A $50 value†
◊ Plus, enjoy extra valuable travel benefits.
◊ Travel when it’s right for you – your Aventura points don’t expire†
◊ Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features†
◊ Travel local - Aventura points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
◊ Save on gas with CIBC and Journie Rewards
Link and use your CIBC Aventura Visa Infinite Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
| GCR Rebate NA |
Initial Rewards Join and get over $1,250 in value including a first year annual fee rebate†! |
Credit Needed Good |
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CIBC Dividend Platinum® Visa* Card |
| GCR Rebate NA |
Initial Rewards 10% cash back for the first 4 statements ($250 cap) & Fee Rebate† |
Credit Needed Good |
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CIBC Dividend® Visa Infinite* Card |
| GCR Rebate NA |
Initial Rewards Get a 10% cash back welcome bonus (up to $250)† for the first 4 statements on total purchases of up to $2,500.† |
Credit Needed Good |
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American Express® AIR MILES®* for Business Card |
| GCR Rebate $75 |
Initial Rewards 2,000 AIR MILES®* Reward Miles |
Credit Needed Fair |
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CIBC Aventura® Visa* Card |
◊ Get up to 12,000 Aventura points when you make your first purchase (up to $120 in travel value†)
◊ Here’s how it adds up:
• Get up to 12,000 Aventura Points (up to $120 in travel value†):
• 2,500 Aventura Points when you complete all activities within 60 days of your CIBC Aventura® Visa* account approval.†
• 9,500 Aventura Points after you make your first purchase.
◊ Travel when it’s right for you – your Aventura points don’t expire†
◊ Redeem your Aventura points for more than travel with our Shop With Points/Pay with Points features†
◊ Travel local - Aventura points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
◊ Save on gas with CIBC and Journie Rewards
Link and use your CIBC Aventura Visa Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
| GCR Rebate NA |
Initial Rewards Up to $120 in travel value† |
Credit Needed Good |
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CIBC Dividend® Visa* Card |
| GCR Rebate NA |
Initial Rewards Get 5% cash back for the first 4 statements (Up to $100 cash back)† |
Credit Needed Good |
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HSBC +Rewards™ Mastercard® |
| GCR Rebate $35 |
Initial Rewards Earn 30,000 Points ($150 travel value) when you spend $2,000 in the first 180 days of account opening |
Credit Needed Fair |
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CIBC Select Visa* Card |
| GCR Rebate NA |
Initial Rewards Get 0% interest for up to 10 months with a 1% transfer fee† |
Credit Needed Good |
| GCR Rebate | Initial Rewards | Credit Needed | |||||||
| MBNA Alaska Airlines World Elite® Mastercard® credit card | $50 | 30,000 bonus miles†† | Good | |
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| 30,000 bonus miles†† and Alaska`s Famous Companion Fare™ from $121 (USD) |
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| Note : This offer is not available for residents of Quebec.
A new Alaska Airlines World Elite Mastercard® credit card could take you places. If approved, you could receive new benefits and start earning more Mileage Plan™ miles. • 30,000 bonus miles†† and Alaska's Famous Companion Fare™ from $121 (USD) ($99 plus taxes and fees from $22)◊◊ after you make $1,000 or more in eligible purchases within the first 90 days of your account opening. • One complimentary checked bag per passenger on the same qualifying reservation, up to a maximum of six passengers.æ • Every year on your account anniversary buy one round trip and get a companion fare of $121 (USD) ($99 plus taxes and fees from $22)◊◊ on Alaska Airlines. There are no blackout dates. • Earn 3 miles‡ for every $1 charged to your Alaska Airlines Mastercard credit card on tickets, vacation packages, and cargo services from Alaska Airlines. • Earn 1 mile‡ for every $1 spent on other eligible purchases. • Earn and redeem‡ Alaska Mileage Plan miles on global airline partners of Alaska Airlines to 900+ destinations. • $99 annual fee • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 22.99% on cash advances • Your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater†††† * Visit Alaska Airlines MasterCard website application page for further details Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link. †† To qualify for this offer, an applicant must be approved for World Elite card and a single or combination of purchase transactions totaling at least one thousand Canadian dollars (CAD 1,000) must be made using such account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8-10 weeks from the transaction date for bonus Miles to be posted to your Mileage Plan account. Account must be open and active on posting/delivery date to qualify for bonus Miles. Limit one-time bonus Miles offer (no cash value) per new account. Reissues, fraud, lost/stolen and reopened accounts do not qualify for this offer. This promotion is offered by MBNA and may be amended or cancelled at any time without notice. Additional bonus Miles may be awarded if a completed application is submitted to an Alaska Airlines employee. ‡ These are highlights of the credit card rewards program (the “Program”) associated with this credit card account. Miles will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, accrual and redemption of Miles, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. Accumulated Miles can only be redeemed in accordance with the Alaska Airlines Mileage Plan program (the “Alaska Program”). The Toronto-Dominion Bank has no liability or responsibility for any aspect of the Alaska Program. Please visit www.alaskaair.com for complete Alaska Program terms and conditions. ◊◊ Companion Certificates can only be used for a coach class seat on an Alaska Airlines operated flight with the purchase of another ticket on the same Alaska Airlines flight within or between the continental United States, Alaska, Canada, Hawaii or Mexico. To obtain the Companion Certificate in the first year of the account, the credit card application must be approved and a single or combination of purchase transactions totaling at least one thousand Canadian dollars (CAD 1,000) must be made using such account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8-10 weeks from the transaction date for the Companion Certificate to be delivered. To qualify for the Companion Certificate in the second and subsequent years of the account, the account must be open and active on the account anniversary. Reissues, fraud, lost/stolen and reopened accounts do not qualify for this offer. This promotion is offered exclusively by Alaska Airlines. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion. For a complete explanation of this benefit, please visit www.alaskaair.com. ӕ Complimentary Checked Bag Benefit: Primary cardholders of the Alaska Airlines World Elite Mastercard consumer credit card ("World Elite account") who make a qualifying reservation and have an open World Elite account at the time of travel are eligible to receive a baggage allowance on qualifying reservations consisting of one (1) complimentary checked bag per passenger on the same ticket for the same Alaska Airlines flight, up to a maximum of six (6) complimentary checked bags per ticket. Qualifying reservations include flights marketed by Alaska Airlines and operated by Alaska Airlines, Horizon Air, SkyWest or PenAir (codeshare flights operated by other carriers are not eligible). Primary cardholder must be an Alaska Airlines Mileage Plan™ member. Baggage restrictions apply. See alaskaair.com/freebagfaq for complete baggage rules. Payment with the World Elite account is not required to qualify for this benefit. Offer may not be applied retroactively, and no refunds will be issued. Not applicable for passengers who already receive 1 or more free checked bags. New holders of the World Elite account, and cardholders upgrading from another Alaska Airlines credit card to a World Elite account, will be eligible for this benefit approximately 2-3 weeks after approval. This promotion is offered exclusively by Alaska Airlines. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion. For a complete explanation of this benefit, please visit www.alaskaair.com ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. |
| American Express® Cobalt™ Credit Card | $120 | 15,000 Membership Rewards® points in first three months | Fair | |
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| 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 |
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Please wait one month before any missing rebate inquiries.
FEATURES • 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 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. • Earn 3x the points on eligible streaming subscriptions 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 • Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases • Transfer points 1:1 to several frequent flyer and other loyalty programs • Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events. • Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply • Conditions Apply |
| Tangerine Money-Back Credit Card | $125 | Earn an extra 15% back (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months. | Fair | |
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| No annual fee |
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| Rewards Features: • No annual fee • Apply for a Tangerine Money-Back Credit Card by January 31, 2022 and earn an extra 15% back (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months.* • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice • 0.5% Money-Back Rewards on all other purchases. • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category. • 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. • No limit on the amount of Money-Back Rewards you can earn. • Change your 2% Money-Back Categories to suit your spending. • Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account. Additional Card Benefits: • 2.5% Foreign Conversion Fee • Free Cards for Authorized Users on your Account • Purchase Assurance and Extended Warranty1 – For most new purchases made anywhere in the world using your Tangerine Money-Back Credit Card, you may receive a lifetime maximum of up to $60,000 for the following insurance coverage: ⋄ Purchase Assurance, which may automatically cover loss, theft or damage, in excess of other insurance, for 90 days from the date of purchase; and ⋄ Extended Warranty, which may double the period of repair services, to a maximum of one additional year, when the original manufacturer’s warranty expires. • Add your Tangerine Money-Back Credit Card to the Wallet app on your Apple® device and use Apple Pay pretty much everywhere you love to shop. Look for the Apple Pay or contactless logo. It’s simple and secure. Learn more. MasterCard® Benefits: • Accepted worldwide at more than 24 million locations in over 210 countries • MasterCard Zero Liability • MasterCard Tap & GoTM Acquisition Offer Disclaimer: Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account. Tangerine is a registered trademark of The Bank of Nova Scotia, used under license. Forward Banking is a registered trademark of Tangerine Bank. ®/TM Mastercard and the Mastercard Brand Mark are registered trademarks and tap & go is a trademark of Mastercard International Incorporated. Applicants will have to consent to a credit check as part of the application process. Accounts must be in Good Standing in order to receive Money-Back Rewards. Balance Transfers are treated as Cash Advances and interest applies from the transaction date that appears on your monthly statement to the date you repay the balance in full. There is no interest-free grace period on Cash Advances or Balance Transfers. *Rewards Promotional Offer: The Tangerine 15% Limited Time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine Money-Back Credit Card (the “Account”) by January 31, 2022, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine Money-Back Credit Card is activated. “Net Purchases” include purchases charged to the Account (less any refunds, returns or other similar credits) but do not include payments, Cash Advances (including Balance Transfers and Cash-Like Transactions), interest, fees,insurance premiums, adjustments or other charges. The Offer Bonus of 10% (up to $100) will be credited to the Primary Cardholder’s Account within 1-2 statement cycles after the 60-day promotional period provided the Account is open and in Good Standing at time of payout. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms. |
| Marriott Bonvoy™ American Express® Card | $60 | 70,000 Marriott Bonvoy™ points | Good | |
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| 70,000 welcome bonus points after you charge $3,000 in net purchases |
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| • New Marriott BonvoyTM American Express Cardmembers, earn 70,000 Welcome Bonus points after you charge $1,500 in net purchases to your Card in your first 3 months of Cardmembership
• Plus, earn a total of 5 points for every $1 on eligible travel & gas purchases in Canada for your first 3 months of Cardmembership (up to 15,000 points). Offers subject to change at any time. • Earn 5 points for every dollar in eligible Card purchases at participating Marriott Bonvoy™* properties • Earn 2 points for every $1 in all other Card purchases • Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary • No annual fee on Additional Cards • Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels • Automatic Marriott Bonvoy Silver Elite status membership • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy ™American Express® Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year • American Express 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. Conditions apply. |
| Scotia Momentum® VISA* Infinite card | $60 | No annual fee in the first year, including on supplementary cards. | Excellent | |
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| No annual fee in the first year, including on supplementary cards. |
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| • No annual fee in the first year, including on supplementary cards.1
• Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases. • Earn 2% for every $1 you spend on gas purchases and daily transit purchases. • Earn 1% cash back on all other purchases with no cash back limit. • Complimentary Concierge Services 24/7 • Visa Infinite Dining Series • Visa Infinite Music Series • Wine Country Wonders • Luxury Hotel Privileges • Comprehensive Travel Insurance & New Mobile Device Insurance coverage • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change. Terms and conditions apply. Visit the application page for full details. 1 The First Year Annual Fee Waiver Offer (the "Offer") applies only to new Scotia Momentum® Visa Infinite* credit card accounts (“Accounts”) that are opened, and any supplementary Account cards issued, by January 1, 2022 and is subject to the below terms and conditions. We will waive the initial annual fee for the primary card and each additional supplementary card. on the Account for the first year only. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer. Rates and Fees: The current annual fee is $120 for the primary card and $50 for each additional supplementary card. The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. |
| MBNA Alaska Airlines Platinum Plus® Mastercard® | $50 | 20,000 bonus miles†† | Good | |
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| 20,000 bonus miles†† and Alaska`s Famous Companion Fare™ from $121 (USD) |
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| Note : This offer is not available for residents of Quebec.
A new Alaska Airlines Platinum Plus® Mastercard® credit card could take you places. If approved, you could receive new benefits and start earning more Mileage Plan™ miles. • 20,000 bonus miles†† and Alaska's Famous Companion Fare™ from $121 (USD) ($99 plus taxes and fees from $22)◊◊ after you make $1,000 or more in eligible purchases within the first 90 days of your account opening. • Every year on your account anniversary buy one round trip and get Alaska's Famous Companion Fare™ from $121 (USD) ($99 plus taxes and fees from $22)◊◊ on Alaska Airlines. There are no blackout dates. • Earn 3 miles‡ for every $1 charged to your Alaska Airlines Mastercard credit card on tickets, vacation packages, and cargo services from Alaska Airlines. • Earn 1 mile‡ for every $1 spent on other eligible purchases. • Earn and redeem‡ Alaska Mileage Plan miles on global airline partners of Alaska Airlines to 900+ destinations. • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪and access cheques, and 22.99% on cash advances • $75 annual fee * Visit Alaska Airlines MasterCard website application page for further details Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link. †† To qualify for this offer, an applicant must be approved for a Platinum card and a single or combination of purchase transactions totaling at least one thousand Canadian dollars (CAD 1,000) must be made using such account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8-10 weeks from the transaction date for bonus Miles to be posted to your Mileage Plan account. Account must be open and active on posting/delivery date to qualify for bonus Miles. Limit one-time bonus Miles offer (no cash value) per new account. Reissues, fraud, lost/stolen and reopened accounts do not qualify for this offer. This promotion is offered by MBNA and may be amended or cancelled at any time without notice. Additional bonus Miles may be awarded if a completed application is submitted to an Alaska Airlines employee. ‡ These are highlights of the credit card rewards program (the “Program”) associated with this credit card account. Miles will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, accrual and redemption of Miles, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. Accumulated Miles can only be redeemed in accordance with the Alaska Airlines Mileage Plan program (the “Alaska Program”). The Toronto-Dominion Bank has no liability or responsibility for any aspect of the Alaska Program. Please visit www.alaskaair.com for complete Alaska Program terms and conditions. ◊◊ Companion Certificates can only be used for a coach class seat on an Alaska Airlines operated flight with the purchase of another ticket on the same Alaska Airlines flight within or between the continental United States, Alaska, Canada, Hawaii or Mexico. To obtain the Companion Certificate in the first year of the account, the credit card application must be approved and a single or combination of purchase transactions totaling at least one thousand Canadian dollars (CAD 1,000) must be made using such account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8-10 weeks from the transaction date for the Companion Certificate to be delivered. To qualify for the Companion Certificate in the second and subsequent years of the account, the account must be open and active on the account anniversary. Reissues, fraud, lost/stolen and reopened accounts do not qualify for this offer. This promotion is offered exclusively by Alaska Airlines. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion. For a complete explanation of this benefit, please visit www.alaskaair.com. ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. |
| Scotiabank®* Gold American Express® Card | $60 | Up to 40,000 bonus Scene+ points | Good | |
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| Earn up to 40,000 bonus Scene+ points in your first year (that’s up to $400 towards travel) |
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| • Earn up to 40,000 bonus Scene+ points in your first year (that’s up to $400 towards travel).1 Plus, no annual fee in the first year, including on supplementary cards1 and get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $120) (1% balance transfer fee)1
• Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions. • Earn 5X Scene+ points for every $1 CAD spent on eligible entertainment purchases. Includes movies, theatre, and ticket agencies. • Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more. • Earn 3X Scene+ points for every $1 CAD spent on eligible select streaming services. • Earn 1X Scene+ point for every $1 spent on every other purchase. • Complimentary Concierge Services 24/7 • Amex exclusive benefits (Front Of The Line) • Rates, fees, offers and other information are effective as of Mar 1, 2021. Subject to change. † Offer Description and Conditions: The 40,000 Bonus Scene+ points First Year Annual Fee Waiver and Introductory 0.00% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened by January 1, 2022 and is subject to the below terms and conditions. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers. 40,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 20,000 bonus Scene+ points (the “20,000 Point Bonus”), you must open a new Account by January 1, 2022 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months. To be eligible for an additional 20,000 bonus Scene+ points (the “Extra 20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in your first year (12 months) from the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months from the Account open date, provided the Account is open and in good standing. The Extra 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after you have met the $7,500 annual spend threshold on the Account, provided your Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. First Year Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. Introductory 0.00% Balance Transfer Rate Offer Conditions: The introductory 0.00% interest rate on balance transfers applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by January 1, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. After the Promotional Period, the 0.00% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). A Balance Transfer fee of 1% of the amount of each Balance Transfer transferred during the Promotional Period applies. If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances). In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account. Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer. Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. |
| MBNA Best Western Mastercard® credit card | $50 | 20,000 Points | Good | |
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| Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay |
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| Note : This offer is not available for residents of Quebec. For residents of Quebec, please click here.
Reward yourself with a free night's stay. You could get a FREE night with the Best Western Rewards® Mastercard® credit card‡ • Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡ • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡ • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay • You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year◊◊ • No limit to the Best Western Rewards® points that can be earned using the credit card in a year • Use your Best Western Rewards® points in many ways – hotel stays, dining, gift cards and more. • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪and access cheques, and 22.99% on cash advances • No annual fee * Visit the MBNA application page for further details Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link. ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). ‡ These are highlights of the credit card rewards program (the “Program”) associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, accrual and redemption of points, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. Accumulated points can only be redeemed in accordance with the Best Western Rewards Program. The Toronto-Dominion Bank has no liability or responsibility for any aspect of the Best Western Rewards Program. Please visit www.bestwestern.com/bwrterms, call Best Western at 1-800-237-8483 or contact Best Western by mail at P.O. Box 42007, Phoenix, AZ, 85080-2207 for complete Best Western Rewards® Program terms and conditions. †† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. The account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8–10 weeks from the transaction date for bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account. This promotion is offered by Best Western and may be amended or cancelled at any time without notice. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion. The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. Each Best Western® branded hotel is independently owned and operated. Best Western and the Best Western marks are service marks or registered service marks of Best Western International, Inc. |
| Tangerine World Mastercard® | $125 | Earn an extra 15% back* (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months | Fair | |
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| No annual fee |
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| World Benefits: • No annual fee • Apply for a Tangerine World Mastercard® by January 31, 2022 and earn an extra 15% back* (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months. • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice • 0.5% Money-Back Rewards on all other purchases. • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category. • 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. • No limit on the amount of Money-Back Rewards you can earn. • Change your 2% Money-Back Categories to suit your spending. • Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account. Plus the following: Rental Car Collision/Loss Damage Insurance**: Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card. Mobile Device Insurance**: Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure. Mastercard® Airport Experiences Provided by LoungeKey ***: Make the most of your travel with Mastercard® Airport Experiences Provided by LoungeKey. Your complimentary membership gives you exclusive dining, retail and spa offers in over 400 airports worldwide, along with access to over 1000 lounges at $32 USD per visit. Learn more at airport.mastercard.com. For more information on insurance details, please see this link. Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account. Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Forward Banking is a registered trademark of Tangerine Bank. ®/TM Mastercard and the Mastercard Brand Mark are registered trademarks and tap & go is a trademark of Mastercard International Incorporated. Applicants will have to consent to a credit check as part of the application process. Accounts must be in Good Standing in order to receive Money-Back Rewards. Balance Transfers are treated as Cash Advances and interest applies from the transaction date that appears on your monthly statement to the date you repay the balance in full. There is no interest-free grace period on Cash Advances or Balance Transfers. *Rewards Promotional Offer: The Tangerine 15% Limited Time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine World Mastercard (the “Account”) by January 31, 2022, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine World Mastercard is activated. “Net Purchases” include purchases charged to the Account (less any refunds, returns or other similar credits) but do not include payments, Cash Advances (including Balance Transfers and Cash-Like Transactions), interest, fees, insurance premiums, adjustments or other charges. The Offer Bonus of 10% (up to $100) will be credited to the Primary Cardholder’s Account within 1-2 statement cycles after the 60-day promotional period provided the Account is open and in Good Standing at time of payout. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms. |
| Marriott Bonvoy™ Business American Express® Card | $75 | 70,000 Bonus Marriott Bonvoy™ points | Fair | |
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| Earn 70,000 Welcome Bonus Marriott Bonvoy™ points after you charge $5,000 in purchases |
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| • Earn up to 85,000 Marriott Bonvoy™ points. Earn 70,000 Welcome Bonus Marriott Bonvoy™ points after you charge $5,000 in purchases to your Card in your first three months of Cardmembership. Plus, earn 5 points for every $1 in Card purchases on eligible Gas, Dining and Travel (excluding lodging) for the first three months of Cardmembership.
• Receive an Annual Free Night Award automatically each year after your anniversary • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on your Card each year • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program • You can earn 3 points for every $1 in Card purchases on eligible gas, dining and travel • Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy properties. Earn 2 points for every $1 in purchases charged to the Card everywhere else • Make the most of a suite of business management tools that give you more control over your business anytime and anywhere • Redeem points for free nights with no blackout dates at over 7,000 of some of the world's most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world's leading airlines • American Express 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. Conditions apply |
| American Express Gold Rewards Card | $120 | 50,000 Membership Rewards® points | Good | |
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| Welcome Bonus of 50,000 Membership Rewards® points just by making $3,000 in purchases |
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NOTE : American Express® reports approvals on the second week of each month. Please wait one month before any missing rebate inquiries.
FEATURES • New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 50,000 Membership Rewards® points when you charge $3,000 in purchases to your Card in your first 3 months of Cardmembership • Plus, you can also earn an additional 10,000 points when you make a purchase between 14 and 17 months of Cardmembership • The Card is now available in your choice of Gold or Rose Gold metal options • 60,000 points is enough to redeem for a round-trip flight to almost anywhere in Europe with the American Express Fixed Travel Points Program • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more • Earn 1 point for every $1 in Card purchases everywhere else • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online. • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit • Transfer points 1:1 to several frequent flyer and other loyalty programs • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster • Subject to approval. The preferred rate for purchases is 20.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details • *American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply. |
| American Express AIR MILES Platinum Credit Card | $10 | 2,000 AIR MILES®* Bonus Miles | Good | |
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| Welcome Bonus of 2,000 AIR MILES®* Bonus Miles when you charge a total of $1,500 |
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NOTE : American Express® reports approvals on the second week of each month. Please wait one month before any missing rebate inquiries.
FEATURES • New American Express® AIR MILES®* Platinum Credit Card Cardmembers, earn a Welcome Bonus of 2,000 AIR MILES®* Bonus Miles when you charge a total of $1,500 in purchases to your Card within your first three months of Cardmembership. That’s enough to redeem for $200 towards your purchases with AIR MILES®* Cash. • Earn 1 Mile for every $5 in Card purchases, up to $30,000 annually, on eligible food & drinks, (such as eligible restaurants, coffee shops and stand-alone grocery stores), and eligible gas & transit (such as local commuter transportation including ridesharing services and taxi) in Canada. • Earn 1 Mile for every $10 in Card purchases everywhere else. • American Express® AIR MILES®* Platinum Credit Card Cardmembers can take advantage of the Annual Travel Redemption Benefit. Once per calendar year, when an eligible Cardmember uses Dream Miles with the AIR MILES Reward Program to book their first single flight or package vacation through airmiles.ca or vacations.airmiles.ca, they can get Bonus Miles equivalent to 25% of the net number of Miles used (up to a maximum of 750 Bonus Miles). • Shop at participating AIR MILES®* Partners®* across Canada with your Card and show your AIR MILES®* Card, and you can earn Miles twice • American Express 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. Conditions apply Bonus Miles awarded as part of this benefit will be posted to the Collector Account linked to the American Express® AIR MILES®* Platinum Credit Card account in accordance with the AIR MILES balance preference set at the time the Bonus Miles are awarded. Bonus Miles will be posted to the Collector Account within 60-120 days of eligible redemption. Subject to change at any time. |
| American Express Business Edge™ Card | $75 | 45,000 Welcome Bonus points | Fair | |
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| Earn up to 57,000 Membership Rewards® bonus points in your first year of Cardmembership |
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• Earn up to 57,000 Membership Rewards® bonus points in your first year of Cardmembership
• Earn 45,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership • You can earn an extra 1,000 Membership Rewards points for each monthly billing period in which you spend $3,000 in purchases on your Card. This could add up to 12,000 extra points in a year • You can earn 3 times the points for Card purchases on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks. Caps and other conditions may apply. • You can earn 1 times the points on all other purchases charged to the Card • Get choice and flexibility by using points for purchases or redeeming them for a wide range of travel, dining, entertainment and retail rewards options • Make the most of a suite of business management tools that give you more control over your business anytime and anywhere • Leverage your cash flow with the option of carrying a balance or paying in full each month • American Express 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. Conditions apply • Conditions apply |
| MBNA True Line® Mastercard® credit card | $40 | 12.99% on purchases | Good | |
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| Standard Annual Interest Rates of 12.99% on purchases, 12.99% on balance transfers✪and access cheques, and 24.99% on cash advances |
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| Note : This offer is not available for residents of Quebec.
• No annual fee • Standard Annual Interest Rates of 12.99% on purchases, 12.99% on balance transfers✪and access cheques, and 24.99% on cash advances • You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening • Around-the-clock fraud protection • Use available credit on your credit card to transfer funds right to your chequing account. Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link. † Promotional Rates: Balance Transfers: 0.00% This Promotional Rate applies to any balance transfers made within 90 day(s) of your account opening (each, an "eligible transaction") and will remain in effect for 12 Statement Periods from the transaction date of each eligible transaction. The Promotional Rate will increase and the remaining balance of the eligible transaction will become subject to the Standard Rate for balance transfers either: (1) on the first day of the first Statement Period that occurs after the expiry of the Promotional Rate; or (2) on the first day of the second Statement Period following any late Minimum Payment. Other conditions apply. Offer may be changed, extended or withdrawn at any time, without notice. Standard Rates: Purchases: 12.99% Balance transfers and access cheques: 12.99% Cash advances: 24.99% Default Rates: If your Minimum Payment is late twice within any [12] consecutive Statement Periods (the "change event"), the Standard Rate(s) that apply to your account at that time will increase to the following new Standard Rate(s): Purchases: 19.99% Balance transfers and access cheques: 21.99% Cash advances: 24.99% The new Standard Rate(s) will apply on the first day of the second Statement Period following the change event. If you then pay each Minimum Payment on time for [12] consecutive Statement Periods ("cure period"), the new Standard Rate(s) will decrease to the Standard Rate(s) that applied on your account at the time of the change event. Such rates will apply on the first day of the first Statement Period that occurs after the cure period. ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. |
| SimplyCash Card from American Express | $20 | 4% cash back | Good | |
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| 4% cash back on purchases for the first 6 months |
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NOTE : American Express® reports approvals on the second week of each month. Please wait one month before any missing rebate inquiries.
FEATURES • New SimplyCash™ from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership • Earn 1.25% cash back on purchases when your Welcome Rate ends • No limit to the amount of cash back you can earn after your Welcome Rate ends • Access virtual events and special offers curated for Cardmembers with American Express® Experiences • Insurance coverage and 24/7 Customer Service • American Express 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. Conditions apply |
| SimplyCash Preferred Card from American Express | $40 | 10% cash back | Good | |
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| Earn 10% cash back on all eligible purchases for the first 4 months |
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NOTE : American Express® reports approvals on the second week of each month. Please wait one month before any missing rebate inquiries.
FEATURES • New SimplyCash™ Preferred Card from American Express Cardmembers can earn 10% cash back on all eligible purchases (up to $400 cash back) for the first 4 months of Cardmembership • Earn 2.0% cash back when your Welcome Rate ends • No limit to the amount of cash back you can earn after your Welcome Rate ends • Access to memorable experiences with American Express Invites® • Extensive insurance coverage and 24/7 Customer Service • Annual Fee : $99 • American Express 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. Conditions apply. Conditions apply |
| MBNA Rewards World Elite® Mastercard® credit card | $50 | up to 30,000 bonus points | Good | |
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| Receive up to 30,000 bonus points |
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| Note : This offer is not available for residents of Quebec. For residents of Quebec, please click here.
• 20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening. • 10,000 bonus points††(approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening • Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point‡ for every $1 on all other eligible purchases • Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points. • Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel. • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances • Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown • $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one). To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater†††† Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link. ‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. You will earn five (5) points per dollar spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until you spend $50,000 annually (per calendar year) in the applicable category. Other eligible purchases will earn a Base Earn Rate of one (1) point per dollar. Each year, the account will receive Birthday Bonus Points equal to 10% of the total number of Points the account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points. The Birthday Bonus Points will be added to the account before the end of the primary cardholder's birthday month. The redemption rate for Points earned may differ depending on the redemption option chosen. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of Points, and other important conditions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. †† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. Welcome bonus of 20,000 points will be awarded if $2,000 in eligible Purchases are made on your Account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request(s) or otherwise disputed. In order to obtain a "Paperless Bonus" of 10,000 bonus points, you must enroll in online banking at www.mbna.ca and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. Please allow 8-10 weeks for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each bonus point offer. This offer is not available to residents of Quebec. This promotion is offered by MBNA and may be amended or cancelled at any time without notice. †††† To be eligible for a World Elite Account, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater. Additional account qualification criteria apply as set out in this application. ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00 % OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). ***Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy MBNA-0620. To be eligible for Mobile Device Insurance you must use your Account to pay all of your monthly mobile bill payments and any upfront costs or pay at least 75% of the purchase price with your Account when paying the full cost of your mobile device up front. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your Guide to Coverage. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. |
| Scotiabank SCENE® VISA* card | $45 | 5,000 bonus Scene+ points | Good | |
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| Earn 5,000 bonus Scene+ points with your first $750 in everyday purchases in first 3 months◊ |
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| • Earn 5,000 bonus Scene+ points with your first $750 in everyday purchases in first 3 months◊
• Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases • Earn 5 Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com. • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change. ◊ Offer Description and Conditions: The 5,000 Bonus Scene+ points Offer (the “Offer”) applies only to new SCENE Visa credit card accounts (excluding SCENE Student Visa cards) (“Account”) opened by February 28, 2022 subject to the conditions below. To be eligible for the Offer, at least $750 in eligible purchases must be posted to the Account within the first 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will be credited within 2-3 business days of the completion of the $750 net purchases provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Only one welcome bonus is awarded per Account. In cases where both the primary and supplementary cardholders are Scene+ members, the bonus points will be credited to the Scene+ membership account that has been connected to the Account. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer. Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. |
| MBNA Smart Cash Platinum Plus® Mastercard® | $50 | 5% Cash Back†† | Good | |
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| Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months |
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| Note : This offer is not available for residents of Quebec. For residents of Quebec, please click here.
Accelerate cash back on common purchases! • No annual fee • Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500) • Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500) • Get 0.5% Cash Back‡ for all other eligible purchases • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for the Smart Cash® credit card. Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link. ‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. MBNA Dollars will be awarded on eligible transactions charged to your account. There is a monthly spend cap of $500 on the earn rate for eligible gas and grocery purchases. Once the monthly spend cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of MBNA Dollars, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. †† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. For the first six (6) months after the account is opened (the “Bonus Period“), eligible gas and grocery purchases will earn 5% in MBNA Dollars until the total gas and grocery purchases in the applicable month reaches $500 (the "Gas and Groceries Monthly Spend Cap"). Once the Gas and Groceries Monthly Spend Cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Please allow 8–10 weeks from the transaction date for bonus MBNA Dollars to be posted to your MBNA Dollars account. Limit one-time bonus MBNA Dollars offer per new account. This promotion is offered by MBNA and may be amended or cancelled at any time without notice. ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. |
| Business Platinum Card® from American Express® | $150 | 80,000 Welcome Bonus points | Excellent | |
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| Earn a Welcome Bonus of 80,000 points when you charge $6,000 in purchases |
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NOTE : American Express® reports approvals on the second week of each month. Please wait one month before any missing rebate inquiries.
FEATURES • Earn up to 100,000 bonus Membership Rewards® points: Earn 80,000 bonus Membership Rewards® points when you spend $6,000 in purchases within the first three months of Cardmembership. Plus, earn an additional 20,000 bonus Membership Rewards points when you make a purchase after your 14-month Card anniversary date. That’s $1,000 in statement credits, you can reinvest into your business. • 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 • Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses • Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1200 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience • Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history • Platinum Cardmembers can enjoy access to specialty services, preferential treatment and a dedicated Concierge team • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges • American Express 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. Conditions apply |
| American Express Business Gold Rewards Card | $125 | 60,000 Welcome Bonus points | Good | |
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| Welcome Bonus of 60,000 points when you charge $5,000 in purchases |
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NOTE : American Express® reports approvals on the second week of each month. Please wait one month before any missing rebate inquiries.
FEATURES • Earn up to 110,000 points: Earn a welcome bonus of 60,000 Membership Rewards® points after spending $5,000 in purchases within the first three months of Cardmembership. Earn an additional 10,000 Membership Rewards® points when you make a purchase after your 14-month Card anniversary date. Plus earn 10,000 bonus points when you charge $20,000 in net purchases to your Card account each calendar quarter. That’s a total of up to 40,000 points every year. If redeemed for a statement credit, this is $1,100 that you can reinvest in your business. • The Membership Rewards program boasts an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more • 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. • Earn 1 Membership Rewards point for every dollar in purchases charged to the Card. Track Your Progress by logging into your American Express® App to see how your quarterly purchases are stacking up. Download the Amex App for your phone or use http://amex.ca/Mobile to view more information. Available on iOS and Android only. • Take advantage of purchasing power that grows with your business. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history • Make the most of a suite of business management tools that give you more control over your business - anytime and anywhere • 99% Recycled Plastic: You will receive your new Business Gold Rewards Card once your current Card expires. You can continue to use your current Card until you receive a new one. As part of our commitment to sustainability, your Card has been created using 99% recycled plastic • Special Business Offers with American Express. Explore offers for dining, travel, business supplies and services, and more – from brands you love • Enjoy added confidence with Mobile Device Insurance. You can be protected with our Mobile Device Insurance. Enjoy your new mobile device with more confidence • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges • American Express 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. Conditions apply Conditions apply |
| Scotia Momentum® No-Fee VISA card | $40 | 1.99% introductory interest rate | Good | |
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| 1.99% introductory interest rate on purchases for the first 6 months* |
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| • Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 Plus, get a 1.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0)1
• Rates, fees and other information are effective as of Sep 1, 2020. Subject to change. * Visit the application page for further details ◊ Offer Description and Conditions: The 5% Cash Back and Introductory 1.99% Rate Offer (the “Offer”) applies only to new Scotia Momentum No-Fee Visa credit card accounts (“Accounts”) that are opened by January 1, 2022 and is subject to the below terms and conditions. All other terms and conditions of the Program Terms continue to apply. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. 5% Cash Back Offer Conditions: You will earn 5% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum No-Fee Visa Cash Back Program Terms and Conditions (the “Program Terms”). The 5% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”. Cash back earned under this Offer will be credited to your Account in 2 instalments so long as your Account is open and in good standing at time of payout of each: 1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; and 2.Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 1% then the Cash Back Bonus Rate will be 4% for that category so that you will earn a total of 5% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be credited to your Account as follows: (1) the Cash Back Bonus earnings of $80 (4% x $2,000) (which will not be tracked on your monthly statements), will be credited to your Account within 7 months from the Account open date, and (2) the Regular Cash Back earnings of $20 (1% x $2,000) (which will be tracked on your monthly statements), will be credited to your Account as per the regular cash back payment schedule (i.e., November). Introductory 1.99% Balance Transfer Rate Offer Conditions: The introductory 1.99% interest rate on balance transfers applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by January 1, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. After the Promotional Period, the 1.99% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). There is no balance transfer fee on balances transferred during the Promotional Period. If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances). In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer. Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. |
| Scotiabank Value® VISA* card | $60 | 0.99% for balance transfers | Good | |
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| 0.99% introductory interest rate on balance transfers for the first 6 months* |
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| • 0.99% introductory interest rate on balance transfers for the first 6 months*
• Save hundreds of dollars in interest a year • Low 12.99% interest rate • Pay down balances faster • Simplify your monthly payments • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change. Terms and conditions apply. Visit the application page for full details. ◊ Offer Description and Conditions: The Introductory 0.99% Balance Transfer Rate Offer (the “Offer”) applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below . This introductory rate applies when the new Scotiabank Value Visa credit card account (“Account”) is opened by February 28, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank account. After the Promotional Period, the 0.99% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 12.99%). There is no balance transfer fee on balances transferred during the Promotional Period. If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances). Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer. Offer may be changed, cancelled or extended and cannot be combined with any other offers. Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account. Rates and Fees: The current annual fee is $29 for the primary card and $0 for each additional supplementary card. The current preferred annual interest rates for the Account are: 12.99% on purchases and 12.99% on Cash Advances. All rates, fees, features and benefits are subject to change. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. |
| MBNA True Line® Gold Mastercard® credit card | $40 | 8.99% on purchases | Good | |
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| Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪and access cheques, and 24.99% on cash advances |
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| Note : This offer is not available for residents of Quebec.
• $39 annual fee • Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪and access cheques, and 24.99% on cash advances • Around-the-clock-fraud protection • Access to 24/7 customer service Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link. ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. |
| MBNA Harley-Davidson® Mastercard® Credit Card | $50 | Good | |
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| Note : This offer is not available for residents of Quebec.
Use your card for eligible purchases and you may be entered in a quarterly Harley-Davidson motorcycle draw^" • Earn 1 Genuine Rewards Point for 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^ • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪and access cheques, and 22.99% on cash advances • No annual fee * Visit the MBNA application page for further details Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link. Standard Rates: Purchases: 19.99% Balance transfers and access cheques: 22.99% Cash advances: 22.99% ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). ˄No purchase necessary. Contest closes at 11:59 PM ET on December 31, 2021. Automatically receive one (1) entry for each eligible Harley-Davidson® Mastercard® credit card purchase made during each of the Promotional Periods (Promotional Period 1 = Jan 1 to Mar 31, 2021, 11:59 PM ET, Promotional Period 2 = Apr 1 to Jun 30, 2021, 11:59 PM ET, Promotional Period 3 = Jul 1 to Sep 30, 2021, 11:59 PM ET, Promotional Period 4 = Oct 1 to Dec 31, 2021, 11:59 PM ET). Four (4) prizes available to be won (ARV ranges between $11,499 and $18,999). Odds of winning depend on the number of eligible entries received/stamped (as outlined in the Official Rules) during each Promotional Period. Open to Canadian residents who are Harley-Davidson® Mastercard® credit card holders and have reached the age of majority at the time of entry. Skill-testing question required. For full rules, including no purchase entry details, visit https://www.mbna.ca/document/PDF/MBNA-Harley-Davidson-ContestRulesAndRegulations.pdf. Opt-out: If you do not wish to be entered into the Contest, you must indicate your preference to opt-out by contacting Sponsor (and/or its applicable division(s)) by (I) telephone at 1-888-876-6262 (toll-free – Monday to Sunday, 7 a.m. to 12 a.m. ET) or (II) mail at MBNA Harley-Davidson Mastercard 2021 Contest Opt-out, 23 Prince Andrew Place, Toronto, Ontario, M3C 2H2. ‡These are highlights of the credit card rewards program (the “Program”) associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, periodic draws for new Harley-Davidson® Motorcycles, accrual and redemption of points, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions upon receipt. Accumulated points can only be redeemed in accordance with the Harley-DavidsonTM Rewards Program (the “H-D Program”). The Toronto-Dominion Bank has no liability or responsibility for any aspect of the H-D Program. Please visit www.harley-davidson.com for complete Harley-DavidsonTM Rewards Program terms and conditions. The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ©2021 H-D or its affiliates. HARLEY-DAVIDSON, HARLEY, H-D, and the Bar and Shield Logo are among the trademarks of H-D U.S.A., LLC. Third-party trademarks are the property of their respective owners. |
| Scotiabank Passport™ Visa Infinite* Card | $55 | Up to 30,000 bonus Scene+ points | Excellent | |
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| Earn up to 30,000 bonus Scene+ points in your first year (that’s up to $300 towards travel )‡ |
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• Earn up to 30,000 bonus Scene+ points in your first year (that’s up to $300 towards travel).
• Earn up to 30,000 bonus Scene+ points in your first year (that’s up to $300 towards travel).1 Plus, no annual fee in the first year, including on supplementary cards.¹ • Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more). • Earn 1 Scene+ point on every $1 you spend on all other eligible purchases. • Enjoy no FX Mark-up • Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change. 1 The 20,000 Bonus Scene+ Points, and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) opened by February 28, 2022 and is subject to the below terms and conditions. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply - see below for further details. Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer. 20,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 20,000 bonus Scene+ points (the “Bonus Offer”), you must have at least $1,000 in eligible purchases posted to your new Account within the first 3 months. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The 20,000 Bonus Offer points will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days following the qualifying $1,000 in eligible purchases being posted to your Account within 3 months from the Account open date, provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by February 28, 2022. Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. Cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions), interest, fees or other charges, card payments and returns, refunds or other similar credits do not earn Scene+ points. Scene+ points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or to an Account that is not open when the statement is issued. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account 10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. You will earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The Annual bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $40,000 annual spend threshold on the Account and within approximately 2-3 business days after you have met each additional $10,000 annual spend threshold on the Account, provided your Account is open and in good standing (as defined above). Rates and Fees: The current annual fee is $139 for the primary card, $0 for one additional supplementary card and $50 for each additional supplementary card thereafter. The current preferred annual interest rates for this Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change. To qualify for 30,000 bonus Scene+ points, make sure to: 1. Open a new Scotiabank Passport Visa Infinite credit card account by February 28, 2022. 2. Earn 20,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months. 3. Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday net eligible purchases annually. Once you qualify, we’ll credit your account in 2 instalments: 1. 20,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $1,000 in net purchases being posted to your Account in your first 3 months. 2. Annual 10,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days after you have met the $40,000 annual spend threshold. Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the 30,000 bonus points offer. All cardholders remain eligible to earn an annual 10,000 Scene+ point bonus with an annual spend of at least $40,000. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. |
| Scotiabank® GM® VISA* Card | $45 | Earn 5% in GM Earnings | Good | |
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| Earn 5% in GM Earnings on the first $5,000 spent annually |
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| • Get closer to your new car with up to 5% in GM Earnings
• Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac • No earning or redemption caps • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change. * Visit the application page for further details *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. |
| Scotiabank® GM® VISA* Infinite Card | $60 | 5% in GM Earnings | Good | |
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| Earn 5% in GM Earnings on the first $10,000 spent annually. First year annual fee waived◊ |
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| • First year annual fee waived◊
• Get closer to your new car with up to 5% in GM Earnings • Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac • No earning or redemption caps • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change. * Visit the application page for further details ◊ Offer Description and Conditions: The First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank GM Visa Infinite credit card accounts (“Accounts”) that are opened, and any supplementary Account cards issued, by February 28, 2022 subject to the conditions below. We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer. Rates and Fees: The current annual fee is $79 for the primary card and $39 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. |
| Scotiabank®* Platinum American Express® card | $60 | 30,000 bonus Scene+ points | Excellent | |
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| Earn 30,000 bonus Scene+ points upon first purchase◊ |
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| • Earn 30,000 bonus Scene+ points upon first purchase◊
• Earn 4 Scene+ points on every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment. • Earn 1 Scene+ point for every $1 you spend on everything else. • Complimentary membership to Priority Pass Airport Lounges Worldwide • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change. Annual Fee : $399 ◊ Offer Description and Conditions: he 30,000 Bonus Scene+ points Offer (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (“Account”) opened by February 28, 2022 subject to the conditions below. To be eligible for the Offer, an eligible purchase must be posted to the Account within 2 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will be credited within approximately 2-3 business days after the first eligible purchase is posted to your Account, provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Offer may be changed, cancelled or extended and cannot be combined with any other offers. Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer. Rates and Fees: The current annual fee is $399 for the primary card and $99 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. |
| MBNA Rewards Platinum Plus® Mastercard® | $50 | 4 points†† for every $1 spent | Good | |
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| 4 points†† for every $1 spent on eligible gas, groceries and restaurant purchases during the first 90 days |
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| Note : This offer is not available for residents of Quebec. For residents of Quebec, please click here.
• Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible purchases in those categories thereafter – in both cases, these earn rates apply until $10,000 is spent annually in the applicable category. 1 point‡ for every $1 spent on all other eligible purchases • 5,000 bonus points†† ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening • 5,000 bonus points†† ($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening • Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points • Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel. • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances • Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown • No annual fee Apply for the MBNA Rewards Platinum Plus® Mastercard®. * Visit the MBNA application page for further details Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link. ‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. The account will earn two (2) points per dollar spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until you spend $10,000 annually (per calendar year) in the applicable category. Other eligible purchases will earn a Base Earn Rate of one (1) point per dollar. Each year, the account will receive Birthday Bonus Points equal to 10% of the total number of Points the account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 10,000 Points. The Birthday Bonus Points will be added to the account before the end of the primary cardholder's birthday month. The redemption rate for Points earned may differ depending on the redemption option chosen. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of Points, and other important conditions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. †† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. Welcome bonus of 5,000 points will be awarded if $500 in eligible Purchases are made on your Account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request(s) or otherwise disputed. In order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at www.mbna.ca and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. For the double the points on restaurant, grocery, digital media, membership, and household utility Purchases offer, for the first 90 days after account opening you will earn an additional 2 points/$1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases (on top of the regular earn rate of 2 points/$1 spent on such purchases as indicated in the Program terms and conditions), subject to a maximum annual cap of $10,000 in each category. Please allow 8-10 weeks for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each bonus point offer. This offer is not available to residents of Quebec. This promotion is offered by MBNA and may be amended or cancelled at any time without notice. ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00 % OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). ***Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy MBNA-0620. To be eligible for Mobile Device Insurance you must use your Account to pay all of your monthly mobile bill payments and any upfront costs or pay at least 75% of the purchase price with your Account when paying the full cost of your mobile device up front. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your Guide to Coverage. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. |
| HSBC World Elite® Mastercard® | $50 | Earn up to 100,000 Points* ($500 travel value) PLUS a full annual fee rebate for the Primary Cardholder for the first year ($149 value) | Good | |
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| Welcome Bonus of 20,000 Points ($100 in travel rewards) |
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| Earn up to 100,000 Points* ($500 travel value) PLUS a full annual fee rebate for the Primary Cardholder for the first year ($149 value). Must apply by January 31, 2022. Conditions Apply.
• Welcome Bonus of 20,000 Points ($100 travel value) • Spend $6,000 in the first 180 days to earn an additional 50,000 Points ($250 travel value) • Earn 10,000 Points ($50 travel value) for adding your 1st Authorized User • Receive an additional 20,000 Points ($100 travel value) as an Anniversary Bonus • Annual Fee Rebate for the Primary Cardholder for the first year ($149 value) Primary Cardholder Annual Fee: $149 Annual Interest on Purchases: 19.9% Annual Interest on Cash Advances and Balance Transfers: 22.9% Authorized User Annual Fee: $50 Per Card *Terms and Conditions apply ®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence. This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer). |
| ScotiaGold Passport® VISA* card | $60 | 5,000 Scene+ points | Good | |
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| Earn 5,000 Scene+ points upon your first purchase* |
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| • Earn 5,000 Scene+ points upon your first purchase*
• Earn 1 Scene+ point for every $1 you spend on eligible everyday purchases • Book your travel through Scene+ Travel3 and earn 5% cash back5 on the cost of your trip. Flexible Point Redemption • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change. * Visit the application page for further details ◊ Offer Description and Conditions: The 5,000 Scene+ Bonus Points Offer (the “Offer”) applies only to new ScotiaGold Passport Visa credit card accounts (“Account”) opened by February 28, 2022 subject to the conditions below. To qualify for the Offer, your first eligible purchase must be posted to the Account within 2 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will be credited within approximately 2-3 business days after the first eligible purchase is posted to your Account provided the Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer. Rates and Fees: The current annual fee is $110 for the primary card and $30 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change. Offer may be changed, cancelled or extended and cannot be combined with any other offers. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. |
| MBNA Smart Cash® World Mastercard® | $50 | 5% Cash Back†† | Good | |
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| Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months |
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| Note : This offer is not available for residents of Quebec. For residents of Quebec, please click here.
Accelerate cash back on common purchases! • Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500) • Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500) • Get 1% Cash Back‡ for all other eligible purchases • $39 annual fee • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances • Your personal annual income must be greater than $60,000, or your household annual income must be $100,000 or greater†††† Take advantage of a card that provides Cash Back on eligible purchases. Apply now for the Smart Cash® World credit card. Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link. ‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. MBNA Dollars will be awarded on eligible transactions charged to your account. There is a monthly spend cap of $500 on the earn rate for eligible gas and grocery purchases. Once the monthly spend cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of MBNA Dollars, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. †† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. For the first six (6) months after the account is opened (the “Bonus Period“), eligible gas and grocery purchases will earn 5% in MBNA Dollars until the total gas and grocery purchases in the applicable month reaches $500 (the "Gas and Groceries Monthly Spend Cap"). Once the Gas and Groceries Monthly Spend Cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Please allow 8–10 weeks from the transaction date for bonus MBNA Dollars to be posted to your MBNA Dollars account. Limit one-time bonus MBNA Dollars offer per new account. This promotion is offered by MBNA and may be amended or cancelled at any time without notice. †††† To be eligible for a World Account, your personal annual income must be greater than $60,000, or your household annual income must be $100,000 or greater. Additional account qualification criteria apply as set out in this application. ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. |
| American Express® AIR MILES®* Gold Business Card | $25 | 150 Bonus AIR MILES®* Reward Miles | Fair | |
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| 150 Bonus AIR MILES®* Reward Miles when you spend $1,000 |
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| • Get 150 Bonus AIR MILES®* Reward Miles when you spend $1,000 within the first three months of Cardmembership
• Earn 1 Mile for every $15 in Card purchases at AIR MILES®* Sponsors and 1 for every $20 in Card purchases everywhere else • Show your Collector Card and use your AIR MILES®* Gold Business Card at Sponsor locations to earn miles twice • Pay no annual fee. Plus, enjoy the flexibility to pay balances in full or over time • American Express 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. Conditions apply |
| Scotia Momentum® VISA* card | $45 | 2.99% rate on balance transfers | Good | |
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| 2.99% introductory interest rate on balance transfers for the first 6 months* |
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| Get 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39).
• Cash back with low annual fee • Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.1 • Earn 1% cash back on all other eligible purchases.1 • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.
* Visit the application page for further details
One card that is becoming quite popular throughout Canada is the Scotia Momentum VISA card. The Momentum VISA card was created with the thought that some people might prefer getting cash back instead of receiving rewards or points for using it. Like having an extra savings account, the money that you save accrues on your monthly credit card statements for one year. At the end of that 12 month period, the money will either be deposited into your Scotiabank bank account, or it will show up as a credit on your VISA statement. There are three main categories of businesses that will provide you with 2% cash back on your purchases: grocery stores, service stations, and drug stores. Almost every grocery store chain in Canada participate. It is a similar situation with service stations and drugstores. If you are unsure if your retailer is a participant, you can visit the Scotiabank website and download a comprehensive list. If you want to, you can arrange to make recurring payments with your Visa card through participating retailers. This means that you should be able to pay your cable, gas, phone, and other utility bills using your card and more importantly, your code. Because of that, you will be able to receive 2% credited back to you on most of your monthly purchases. By using a Scotia Momentum VISA card, you automatically qualify for a 20% discount on any car rental through Avis. You do not have to rent from Avis in Canada for this discount to be applicable. You can also take advantage of some technology that Scotia built into the Momentum VISA card called payWave. PayWave allows you to visit any participating merchant and wave your VISA card in the air near the cash register to pay your bill. It is designed to make it much easier and more secure for you to walk into a service station or restaurant and pay. |
| CIBC Aventura® Gold Visa* Card | $0 | Join and get over $1,250 in value including a first year annual fee rebate†! | Good | |
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| Join and get over $1,250 in value including a first year annual fee rebate†! |
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| Welcome Offer: Join and get over $1,250 in value including a first year annual fee rebate!† Here's how You can get over $1,250 in value: ◊ Get a total of up to 40,000 Aventura Points (up to $850 in travel value†): • 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre† • 1.5 points for every $1 spent at eligible gas stations, grocery stores and drug stores† • 1 point for every $1 spent on all other purchases† †Conditions apply |
| CIBC Aventura® Visa Infinite* Card | $0 | Join and get over $1,250 in value including a first year annual fee rebate†! | Good | |
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| Join and get over $1,250 in value including a first year annual fee rebate†! |
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| Welcome Offer: Join and get over $1,250 in value including a first year annual fee rebate!† Here's how You can get over $1,250 in value ◊ Get a total of up to 40,000 Aventura Points (up to $850 in travel value†): • 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre† • 1.5 points for every $1 spent at eligible gas stations, grocery stores and drug stores† • 1 point for every $1 spent on all other purchases† †Conditions apply |
| CIBC Dividend Platinum® Visa* Card | $0 | 10% cash back for the first 4 statements ($250 cap) & Fee Rebate† | Good | |
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| 10% cash back for the first 4 statements ($250 cap) & Fee Rebate† |
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| Get a first-year annual fee rebate for you and up to three Authorized Users † and 10% cash back for the first 4 statements on net purchases of up to $2500.† After that, get 3% cash back on eligible gas and grocery purchases.† Save on gas with CIBC and Journie Rewards Link and use your CIBC Dividend Platinum Visa Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.† • 10% cash back for the first 4 statements ($250 cap) & Fee Rebate† • 3% cash back on eligible gas and grocery purchases† • 2% cash back on eligible transportation, dining purchases and recurring payments† • 1% cash back on all other purchases† • Get cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®† †Conditions apply |
| CIBC Dividend® Visa Infinite* Card | $0 | Get a 10% cash back welcome bonus (up to $250)† for the first 4 statements on total purchases of up to $2,500.† | Good | |
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| Get a 10% cash back welcome bonus (up to $250)† for the first 4 statements on total purchases of up to $2,500.† |
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Get a first-year annual fee rebate for you and up to three Authorized Users† and 10% cash back for the first 4 statements on net purchases of up to $2500.† After that, get 4% cash back on eligible gas and grocery purchases.† Save on gas with CIBC and Journie Rewards Link and use your CIBC Dividend® Visa Infinite* Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.† • Get a 10% cash back welcome bonus (up to $250)† for the first 4 statements on total purchases of up to $2,500.† • 4% cash back on eligible gas and grocery purchases† • 2% cash back on eligible transportation, dining purchases and recurring payments† • 1% cash back on all other purchases† • Get cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®† †Conditions apply |
| American Express® AIR MILES®* for Business Card | $75 | 2,000 AIR MILES®* Reward Miles | Fair | |
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| Earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $5,000 in purchases |
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| • Earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $5,000 in purchases to your Card within your first 3 months of Cardmembership
• You can maximize your cash flow with up to 55 interest-free days 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 Mile for every $10 in Card purchases at eligible AIR MILES®* Partners* and 1 Mile for every $15 in Card purchases everywhere else • Make the most of a suite of business management tools that give you more control over your business anytime and anywhere • With the American Express® AIR MILES®* for Business Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history. That’s the power of a charge card • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid finance charges • American Express 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. Conditions apply |
| CIBC Aventura® Visa* Card | $0 | Up to $120 in travel value† | Good | |
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| Up to $120 in travel value† |
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Join and get up to $120 in value† for no annual fee.†◊ Get up to 12,000 Aventura points when you make your first purchase (up to $120 in travel value†) • 1 point for every $1 spent on travel purchased through the CIBC Rewards Centre† • 1 point for every $1 spent at eligible gas stations, grocery stores and drug stores† • 1 point for every $2 spent on all other purchases† †Conditions apply |
| CIBC Dividend® Visa* Card | $0 | Get 5% cash back for the first 4 statements (Up to $100 cash back)† | Good | |
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| Get 5% cash back for the first 4 statements (Up to $100 cash back)† |
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Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back).† After that, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more†! • Get 5% cash back for the first 4 statements (Up to $100 cash back)† • 2% cash back on eligible grocery purchases • 1% cash back on eligible gas, transportation, dining purchases and recurring payments† • 0.5% cash back on all other purchases† • Get cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking® Save on gas with CIBC and Journie Rewards Link and use your CIBC Dividend Visa Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.† †Conditions apply |
| HSBC +Rewards™ Mastercard® | $35 | Earn 30,000 Points ($150 travel value) when you spend $2,000 in the first 180 days of account opening | Fair | |
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| 2x Rewards on eligible dining and entertainment. |
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| Apply for an HSBC +RewardsTM Mastercard® by January 31, 2022 and earn 30,000 Points ($150 travel value) when you spend $2,000 in the first 180 days of account opening*, and get a 1st Year annual fee rebate for Primary Cardholder*($25 value)
Earn 2 Points for every $1 spent on eligible dining or entertainment purchases. HSBC's lowest interest rate for purchases, cash advances and balance transfers. Price Protection Service - find a lower price within 60 days of your purchase, the difference will be refunded, up to $500 per eligible item. • Primary Cardholder Annual Fee: $25 • Annual Interest on Purchases: 11.9% • Annual Interest on Cash Advances and Balance Transfers: 11.9% • Authorized User Annual Fee: $10 Per Card *Terms and Conditions apply ®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license. This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer). |
| CIBC Select Visa* Card | $0 | Get 0% interest for up to 10 months with a 1% transfer fee† | Good | |
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| Transfer your credit card balance - Get 0% interest for up to 10 months with a 1% transfer fee† and a first year annual fee rebate† |
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• Transfer your credit card balance - Get 0% interest for up to 10 months with a 1% transfer fee† and a first year annual fee rebate†
Check full offer details below† Transfer your credit card balance and get 0% interest for up to 10 months with a 1% transfer fee† • Transfer up to 50% of your assigned credit limit† • If you choose to carry a balance and you make your minimum payments on time, a balance transfer could save you money on interest • Take advantage of this 0% introductory interest rate on balance transfers for your first 10 months. You’ll only have to pay a 1% fee† when you transfer your balance from another card to the CIBC Select Visa Card • This balance transfer offer is only available at the time of your online application.† Simply tick the checkbox to select the balance transfer option when you’re filling out your application Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your amount due, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances you transfer by using this offer, new purchases will be subject to the purchase interest rate. Save on gas with CIBC and Journie Rewards Link and use your CIBC Select Visa Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.† †Conditions apply |
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