Credit Card Coach

Filter : Balance Transfer Credit Cards


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Tangerine Money-Back Credit Card
Rewards Features:

• No annual fee

• Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 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.

Initial Rewards: No annual fee
On Going Rewards 1st: Earn 2% Money-Back Rewards on purchases in two categories
On Going Rewards 2nd: 0.5% Money-Back Rewards on all other purchases
GCR Rebate: 50
GCR Rebate
$50
Initial Rewards
none
Annual Fee
$0
Credit Needed
Good
• To be eligible for this offer, applicants must be a new Tangerine credit card Account Holder.
• Cash Back Rebate will be paid upon card approval.
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Please wait 3 weeks before inquiring about a missing Tangerine Cash Back.
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.
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American Express AIR MILES Platinum Credit Card
NOTE : American Express® reports approvals on the second week of each month. Please wait one month before any missing rebate inquiries.

Card Type Credit
Annual Fee $120
Additional Card Fee $0
Cash Advance Rate 21.99%*
Late Fee N/A


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 for a select flight

• 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


PLEASE READ TO MAKE SURE YOU GET A CASH BACK REBATE
• Click Apply Now link above. Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.


Compare cards, read reviews and search and sort by criteria for top credit cards at credit-card-reviews.ca. Select the best credit card that fits your needs.

More Benefits

A great card for the Canadian Traveler who wishes to earn miles when flying is the American Express Air Miles Platinum credit card. One advantage in applying for it, specific to the Canadian frequent traveler is generally free mileage is provisioned to him or her upon approval. That is not all, during the first year of use there normally is an attractive special interest rate on purchases. Afterwards, a higher interest rate is applicable. The interest rate is slightly higher than the standard rate of interest when a cash advance is required. The prevailing interest rate applies, naturally, as long as the minimum payment is received on time. The traveler also receives reward mileage whenever he or she makes a purchase, using his or her account at participating sponsors across Canada.

The member is provisioned with 24/7 customer service. The representative is available for support wherever the traveler is located—anywhere in the world. Another feature is fraud protection: The account holder who makes it a point to properly protect his or her Personal Identification Number and account details does not need to worry about paying for any charges which show up not belonging to him or her.

A member receives travel accident insurance which provides coverage for the travel member, his or her spouse, and dependent children in the amount of $100,000. The accident insurance is in effect whenever the member uses his or her card specifically for travel.

Another feature is the consumer is able to pay his or her balance in full or over a period of time. There is no annual fee assessed on the American Express AIR MILES Platinum Credit Card.

Canadian residents who fit the following profile are eligible to apply: He or she possesses a Canadian credit file; earns an annual income of $15,000 or higher, and has not filed bankruptcy within the past seven years. Also, an applicant must be the age of majority.

Response is nearly immediate once the consumer applies online. Processing time takes around sixty seconds. There are so many benefits in using the account including redemption of a vast range of rewards ranging from movie tickets, travel and electronics that it is time well spent in making the application. It is possible to earn free air miles today!

Initial Rewards: Welcome Bonus of 2,000 AIR MILES®* Bonus Miles when you charge a total of $1,500
On Going Rewards 1st: Earn 1 Mile for every $5 in Card purchases, up to $30,000 annually
On Going Rewards 2nd: Earn 1 Mile for every $10 in Card purchases everywhere else
GCR Rebate: 0
GCR Rebate
NA
Initial Rewards
2,000 AIR MILES®* Bonus Miles
Annual Fee
$120
Credit Needed
Good
• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express AIR MILES Platinum Credit Card Cardmembers
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.
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MBNA True Line® Mastercard® credit card
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 10 months on balance transfers✪ completed within 90 days of account opening, with a fee of 3% of the amount advanced (minimum fee of $7.50).

• Around-the-clock fraud protection

• Access to 24/7 customer service

• Immediate cash access at over 1 million ATMs internationally

† Promotional Rates: Balance Transfers: 0% This Promotional Rate applies to any balance transfers made within 90 days of your account opening (each, an “eligible transaction”) and will remain in effect for 10 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.

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.

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.
Initial Rewards: You could get a 0% promotional annual interest rate (“AIR”)† for 10 months on balance transfers✪ completed within 90 days
On Going Rewards 1st: Standard Annual Interest Rates of 12.99% on purchases, 12.99% on balance transfers✪
On Going Rewards 2nd: 24.99% on cash advances
GCR Rebate: 40
GCR Rebate
$40
Initial Rewards
0% “AIR”†
Annual Fee
$0
Credit Needed
Good
• Cash Back Rebate will be paid by GCR upon credit card account approval by MBNA.
• Cash Back not offered on repeat cardholders of the same card. Maximum one per individual.
• MBNA is not responsible or liable for any aspect of the cash back rebate offer.

• Must apply online immediately after clicking from GCR.
• Do not leave the MBNA application page before it is completed.
• If application session expires then go back to GCR to start over and click to the MBNA application page again.
• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.

By applying for this credit card account through Great Canadian Rebates, you consent to the disclosure of your account approval status by MBNA to Great Canadian Rebates for the purposes of (i) fulfillment and delivery of a Great Canadian Rebates Cash Back Rebate to you upon approval of your application in connection with this offer; and (ii) fulfillment of contractual obligations between MBNA and Great Canadian Rebates in connection with this offer.

• Available to new credit cardholders only
• Cash Back available by Paypal, Amazon Gift Code or by cheque*.
• Cash Back will be paid out after minimum 45 days following confirmation from MBNA*.
• Cash Back Offer may end at any time at the discretion of GCR.
• Cash Back Offer available to GCR members only.

* See FAQ page and Terms for more details.
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SimplyCash Card from American Express
NOTE : American Express® reports approvals on the second week of each month. Please wait one month before any missing rebate inquiries.

Card Type Credit
Annual Fee $0
Additional Card Fee $0
Cash Advance Rate 21.99%*
Late Fee N/A


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

• Earn 1.25% cash back on purchases 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®

• 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

Initial Rewards: 2.5% cash back on purchases for the first 3 months
On Going Rewards 1st: Earn 1.25% cash back on purchases when your Welcome Rate ends
On Going Rewards 2nd: No limit to the amount of cash back you can earn after your Welcome Rate ends
GCR Rebate: 0
GCR Rebate
NA
Initial Rewards
2.5% cash back
Annual Fee
$0.00
Credit Needed
Good
• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express SimplyCash Cardmembers
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.
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SimplyCash Preferred Card from American Express
NOTE : American Express® reports approvals on the second week of each month. Please wait one month before any missing rebate inquiries.

Card Type Credit
Annual Fee $99
Additional Card Fee $0
Cash Advance Rate 21.99%*
Late Fee N/A


FEATURES
• New SimplyCashTM Preferred Card from American Express Cardmembers can earn 5% cash back on all eligible purchases (up to $300 cash back) for the first 6 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
Initial Rewards: earn 5% cash back on all eligible purchases for the first 6 months
On Going Rewards 1st: Earn 2.0% cash back when your Welcome Rate ends
On Going Rewards 2nd: No limit to the amount of cash back you can earn after your Welcome Rate ends
GCR Rebate: 0
GCR Rebate
NA
Initial Rewards
5% cash back
Annual Fee
$99.
Credit Needed
Good
• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express SimplyCash Cardmembers
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.
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Scotiabank Value® VISA* card
• 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 July 2, 2020. Subject to change.

Terms and conditions apply. Visit the application page for full details.

Offer Description and Conditions: The introductory 0.99% interest rate applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below (the “Offer”). This rate applies when the new Scotiabank Value Visa credit card account (“Account”) is opened by October 31, 2020 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%). 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).

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 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. A Balance Transfer fee of 0% of the amount of each Balance Transfer transferred during the Promotional Period applies to this Offer.

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.
Initial Rewards: 0.99% introductory interest rate on balance transfers for the first 6 months*
On Going Rewards 1st: Save hundreds of dollars in interest a year
On Going Rewards 2nd: Low 12.99% interest rate
GCR Rebate: 60
GCR Rebate
$60
Initial Rewards
0.99% for balance transfers
Annual Fee
$29
Credit Needed
Good
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
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MBNA True Line® Gold Mastercard® credit card
Note : This offer is not available for residents of Quebec. For residents of Quebec, please click here.

• $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

• You could get a 0% promotional annual interest rate (“AIR”)† for 6 months on balance transfers✪ completed within 90 days of account opening, with a fee of 3% of the amount advanced (minimum fee of $7.50).

• A suite of comprehensive insurance**

• Around-the-clock-fraud protection

• Access to 24/7 customer service

† Promotional Rates: Balance Transfers: 0%
This Promotional Rate applies to any balance transfers made within 90 days of your account opening (each, an “eligible transaction”) and will remain in effect for 6 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.

Standard Rates: Purchases: 8.99%
Balance transfers and access cheques: 8.99%
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).

**Coverage is underwritten by Allianz Global Risks US Insurance Company (Canadian Branch) and/or American Bankers Insurance Company of Florida. Certain limitations and exclusions may apply to this benefit and others described in the certificate of insurance sent soon after your Account is opened.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

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.
Initial Rewards: You could get a 0% promotional annual interest rate (“AIR”)† for 6 months on balance transfers✪ completed within 90 days
On Going Rewards 1st: Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪
On Going Rewards 2nd: 24.99% on cash advances
GCR Rebate: 50
GCR Rebate
$50
Initial Rewards
0% “AIR”†
Annual Fee
$0
Credit Needed
Good
• Cash Back Rebate will be paid by GCR upon credit card account approval by MBNA.
• Cash Back not offered on repeat cardholders of the same card. Maximum one per individual.
• MBNA is not responsible or liable for any aspect of the cash back rebate offer.

• Must apply online immediately after clicking from GCR.
• Do not leave the MBNA application page before it is completed.
• If application session expires then go back to GCR to start over and click to the MBNA application page again.
• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.

By applying for this credit card account through Great Canadian Rebates, you consent to the disclosure of your account approval status by MBNA to Great Canadian Rebates for the purposes of (i) fulfillment and delivery of a Great Canadian Rebates Cash Back Rebate to you upon approval of your application in connection with this offer; and (ii) fulfillment of contractual obligations between MBNA and Great Canadian Rebates in connection with this offer.

• Available to new credit cardholders only
• Cash Back will be paid out after minimum 45 days following confirmation from MBNA*.
• Cash Back Offer may end at any time at the discretion of GCR.
• Cash Back Offer available to GCR members only.

* See FAQ page and Terms for more details.
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Scotia Momentum® VISA* card
Cash back on everyday spending

• 2.99% introductory interest rate on balance transfers for the first 6 months*

• Cash back with low annual fee

• 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments

• 1% cash back on all other eligible everyday purchases

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

* 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 October 31, 2020 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%). 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 (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.


PLEASE READ TO MAKE SURE YOU GET A CASH BACK REBATE

• Click link above. Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.

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.

Initial Rewards: 2.99% introductory interest rate on balance transfers for the first 6 months*
On Going Rewards 1st: 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
On Going Rewards 2nd: 1% cash back on all other eligible everyday purchases
GCR Rebate: 45
GCR Rebate
$45
Initial Rewards
2.99% rate on balance transfers
Annual Fee
$39
Credit Needed
Good
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
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CIBC Select Visa* Card
Welcome Offer: 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†

• Reduce interest payments with a low interest rate credit card

• Low interest rate of 13.99% on purchases and cash advances

• Ideal for consolidating your balances onto one card

• Low annual fee of $29. No annual fee for additional cards

†Conditions apply

Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1 866 363-3338 in Canada and the U.S or collect from elsewhere at 905 403-3338 or visit cibccentre.rsagroup.ca. Some insurance coverage(s) require purchase(s), common carrier fares, accommodations and other trip costs to be charged to the card to activate coverage. Other conditions may apply. For important information regarding coverage, eligibility requirements, benefits, pre-existing health/medical conditions, limitations and exclusions, see cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package.
Initial Rewards: Get 0% interest for up to 10 months with a 1% transfer fee‡ and a first year annual fee rebate†
On Going Rewards 1st: Low interest rate of 13.99% on purchases and cash advances
On Going Rewards 2nd: Ideal for consolidating your balances onto one card
GCR Rebate: 0
GCR Rebate
NA
Initial Rewards
0% interest for up to 10 months
Annual Fee
$29
Credit Needed
Good
Cash Back Not Available from GCR. Any offers are strictly from CIBC.
Not available in Quebec.
    GCR Rebate   Initial Rewards   Annual Fee   Credit Needed  
 
Tangerine Money-Back Credit Card
  $50   none   $0   Good  
No annual fee
Rewards Features:

• No annual fee

• Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 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.


• To be eligible for this offer, applicants must be a new Tangerine credit card Account Holder.
• Cash Back Rebate will be paid upon card approval.
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Please wait 3 weeks before inquiring about a missing Tangerine Cash Back.
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.
 
American Express AIR MILES Platinum Credit Card
  $0   2,000 AIR MILES®* Bonus Miles   $120   Good  
Welcome Bonus of 2,000 AIR MILES®* Bonus Miles when you charge a total of $1,500
NOTE : American Express® reports approvals on the second week of each month. Please wait one month before any missing rebate inquiries.

Card Type Credit
Annual Fee $120
Additional Card Fee $0
Cash Advance Rate 21.99%*
Late Fee N/A


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 for a select flight

• 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


PLEASE READ TO MAKE SURE YOU GET A CASH BACK REBATE
• Click Apply Now link above. Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.


Compare cards, read reviews and search and sort by criteria for top credit cards at credit-card-reviews.ca. Select the best credit card that fits your needs.

More Benefits

A great card for the Canadian Traveler who wishes to earn miles when flying is the American Express Air Miles Platinum credit card. One advantage in applying for it, specific to the Canadian frequent traveler is generally free mileage is provisioned to him or her upon approval. That is not all, during the first year of use there normally is an attractive special interest rate on purchases. Afterwards, a higher interest rate is applicable. The interest rate is slightly higher than the standard rate of interest when a cash advance is required. The prevailing interest rate applies, naturally, as long as the minimum payment is received on time. The traveler also receives reward mileage whenever he or she makes a purchase, using his or her account at participating sponsors across Canada.

The member is provisioned with 24/7 customer service. The representative is available for support wherever the traveler is located—anywhere in the world. Another feature is fraud protection: The account holder who makes it a point to properly protect his or her Personal Identification Number and account details does not need to worry about paying for any charges which show up not belonging to him or her.

A member receives travel accident insurance which provides coverage for the travel member, his or her spouse, and dependent children in the amount of $100,000. The accident insurance is in effect whenever the member uses his or her card specifically for travel.

Another feature is the consumer is able to pay his or her balance in full or over a period of time. There is no annual fee assessed on the American Express AIR MILES Platinum Credit Card.

Canadian residents who fit the following profile are eligible to apply: He or she possesses a Canadian credit file; earns an annual income of $15,000 or higher, and has not filed bankruptcy within the past seven years. Also, an applicant must be the age of majority.

Response is nearly immediate once the consumer applies online. Processing time takes around sixty seconds. There are so many benefits in using the account including redemption of a vast range of rewards ranging from movie tickets, travel and electronics that it is time well spent in making the application. It is possible to earn free air miles today!


• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express AIR MILES Platinum Credit Card Cardmembers
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.
 
MBNA True Line® Mastercard® credit card
  $40   0% “AIR”†   $0   Good  
You could get a 0% promotional annual interest rate (“AIR”)† for 10 months on balance transfers✪ completed within 90 days
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 10 months on balance transfers✪ completed within 90 days of account opening, with a fee of 3% of the amount advanced (minimum fee of $7.50).

• Around-the-clock fraud protection

• Access to 24/7 customer service

• Immediate cash access at over 1 million ATMs internationally

† Promotional Rates: Balance Transfers: 0% This Promotional Rate applies to any balance transfers made within 90 days of your account opening (each, an “eligible transaction”) and will remain in effect for 10 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.

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.

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.

• Cash Back Rebate will be paid by GCR upon credit card account approval by MBNA.
• Cash Back not offered on repeat cardholders of the same card. Maximum one per individual.
• MBNA is not responsible or liable for any aspect of the cash back rebate offer.

• Must apply online immediately after clicking from GCR.
• Do not leave the MBNA application page before it is completed.
• If application session expires then go back to GCR to start over and click to the MBNA application page again.
• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.

By applying for this credit card account through Great Canadian Rebates, you consent to the disclosure of your account approval status by MBNA to Great Canadian Rebates for the purposes of (i) fulfillment and delivery of a Great Canadian Rebates Cash Back Rebate to you upon approval of your application in connection with this offer; and (ii) fulfillment of contractual obligations between MBNA and Great Canadian Rebates in connection with this offer.

• Available to new credit cardholders only
• Cash Back available by Paypal, Amazon Gift Code or by cheque*.
• Cash Back will be paid out after minimum 45 days following confirmation from MBNA*.
• Cash Back Offer may end at any time at the discretion of GCR.
• Cash Back Offer available to GCR members only.

* See FAQ page and Terms for more details.
 
SimplyCash Card from American Express
  $0   2.5% cash back   $0.00   Good  
2.5% cash back on purchases for the first 3 months
NOTE : American Express® reports approvals on the second week of each month. Please wait one month before any missing rebate inquiries.

Card Type Credit
Annual Fee $0
Additional Card Fee $0
Cash Advance Rate 21.99%*
Late Fee N/A


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

• Earn 1.25% cash back on purchases 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®

• 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


• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express SimplyCash Cardmembers
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.
 
SimplyCash Preferred Card from American Express
  $0   5% cash back   $99.   Good  
earn 5% cash back on all eligible purchases for the first 6 months
NOTE : American Express® reports approvals on the second week of each month. Please wait one month before any missing rebate inquiries.

Card Type Credit
Annual Fee $99
Additional Card Fee $0
Cash Advance Rate 21.99%*
Late Fee N/A


FEATURES
• New SimplyCashTM Preferred Card from American Express Cardmembers can earn 5% cash back on all eligible purchases (up to $300 cash back) for the first 6 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

• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express SimplyCash Cardmembers
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.
 
Scotiabank Value® VISA* card
  $60   0.99% for balance transfers   $29   Good  
0.99% introductory interest rate on balance transfers for the first 6 months*
• 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 July 2, 2020. Subject to change.

Terms and conditions apply. Visit the application page for full details.

Offer Description and Conditions: The introductory 0.99% interest rate applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below (the “Offer”). This rate applies when the new Scotiabank Value Visa credit card account (“Account”) is opened by October 31, 2020 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%). 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).

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 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. A Balance Transfer fee of 0% of the amount of each Balance Transfer transferred during the Promotional Period applies to this Offer.

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.

• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
 
MBNA True Line® Gold Mastercard® credit card
  $50   0% “AIR”†   $0   Good  
You could get a 0% promotional annual interest rate (“AIR”)† for 6 months on balance transfers✪ completed within 90 days
Note : This offer is not available for residents of Quebec. For residents of Quebec, please click here.

• $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

• You could get a 0% promotional annual interest rate (“AIR”)† for 6 months on balance transfers✪ completed within 90 days of account opening, with a fee of 3% of the amount advanced (minimum fee of $7.50).

• A suite of comprehensive insurance**

• Around-the-clock-fraud protection

• Access to 24/7 customer service

† Promotional Rates: Balance Transfers: 0%
This Promotional Rate applies to any balance transfers made within 90 days of your account opening (each, an “eligible transaction”) and will remain in effect for 6 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.

Standard Rates: Purchases: 8.99%
Balance transfers and access cheques: 8.99%
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).

**Coverage is underwritten by Allianz Global Risks US Insurance Company (Canadian Branch) and/or American Bankers Insurance Company of Florida. Certain limitations and exclusions may apply to this benefit and others described in the certificate of insurance sent soon after your Account is opened.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

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.

• Cash Back Rebate will be paid by GCR upon credit card account approval by MBNA.
• Cash Back not offered on repeat cardholders of the same card. Maximum one per individual.
• MBNA is not responsible or liable for any aspect of the cash back rebate offer.

• Must apply online immediately after clicking from GCR.
• Do not leave the MBNA application page before it is completed.
• If application session expires then go back to GCR to start over and click to the MBNA application page again.
• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.

By applying for this credit card account through Great Canadian Rebates, you consent to the disclosure of your account approval status by MBNA to Great Canadian Rebates for the purposes of (i) fulfillment and delivery of a Great Canadian Rebates Cash Back Rebate to you upon approval of your application in connection with this offer; and (ii) fulfillment of contractual obligations between MBNA and Great Canadian Rebates in connection with this offer.

• Available to new credit cardholders only
• Cash Back will be paid out after minimum 45 days following confirmation from MBNA*.
• Cash Back Offer may end at any time at the discretion of GCR.
• Cash Back Offer available to GCR members only.

* See FAQ page and Terms for more details.
 
Scotia Momentum® VISA* card
  $45   2.99% rate on balance transfers   $39   Good  
2.99% introductory interest rate on balance transfers for the first 6 months*
Cash back on everyday spending

• 2.99% introductory interest rate on balance transfers for the first 6 months*

• Cash back with low annual fee

• 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments

• 1% cash back on all other eligible everyday purchases

• Rates, fees and other information are effective as of July 2, 2020. Subject to change.

* 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 October 31, 2020 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%). 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 (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.


PLEASE READ TO MAKE SURE YOU GET A CASH BACK REBATE

• Click link above. Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.

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.


• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GreatCanadianRebates.ca and will be paid upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 3 months to report a missing rebate otherwise the rebate is void.
 
CIBC Select Visa* Card
  $0   0% interest for up to 10 months   $29   Good  
Get 0% interest for up to 10 months with a 1% transfer fee‡ and a first year annual fee rebate†
Welcome Offer: 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†

• Reduce interest payments with a low interest rate credit card

• Low interest rate of 13.99% on purchases and cash advances

• Ideal for consolidating your balances onto one card

• Low annual fee of $29. No annual fee for additional cards

†Conditions apply

Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1 866 363-3338 in Canada and the U.S or collect from elsewhere at 905 403-3338 or visit cibccentre.rsagroup.ca. Some insurance coverage(s) require purchase(s), common carrier fares, accommodations and other trip costs to be charged to the card to activate coverage. Other conditions may apply. For important information regarding coverage, eligibility requirements, benefits, pre-existing health/medical conditions, limitations and exclusions, see cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package.

Cash Back Not Available from GCR. Any offers are strictly from CIBC.
Not available in Quebec.

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