Get $100 with a Tangerine® Money-Back World Mastercard®*. Spend $1,500 in your first 3 months to enjoy this Bonus.**
Offer Expires September 30, 2026.
*Conditions apply.
FEATURES
Unlimited cash back and flexibility
Two Categories 2% Money-Back Rewards on purchases in two categories of your choice. OR Three categories Deposit your Rewards into a Tangerine Savings Account and get a third 2% Money-Back category. 13 Categories to explore Groceries, gas, and beyond, choose from 13 categories to suit your spending. And change them up every 90 days to match your purchases.◊
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.
No annual fee.
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® Travel Pass Provided By DragonPass
Make the most of your travel with Mastercard® Travel Pass Provided by DragonPass. Your complimentary membership gives you exclusive dining, retail and spa offers in over 650 airports worldwide, along with access to over 1,300 airport lounges at $32 USD per visit. Learn more at mastercardtravelpass.dragonpass.com
Scoring a $100 Bonus is easy
1. Apply in minutes – Apply on our Mobile Banking app or online. Be sure to activate your Card within 45 days of approval.
2. Earn $100, just for spending on your everyday essentials – Spend $1,500 in your first 3 months to enjoy this Bonus. Get this Bonus on top of your usual unlimited 2% cash back in up to 3 customizable categories + 0.5% back on everything else.
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.
** Rewards Promotional Offer:
The Tangerine $100 Money-Back Rewards Limited-time Promotional Offer (the “Offer”) is only available to new Tangerine Money-Back World Mastercard Account holders who (i) apply for a Tangerine Money-Back World Mastercard (the “Account”) by Sep 30, 2026, (ii) activate their Account within 45 days of approval, and (iii) have at least $1,500 in total Net Purchases posted to their Account within the 90-day promotional period beginning on the date the Tangerine Money-Back 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 $100 Money-Back Rewards will be credited to the Primary Cardholder’s Account within approximately 1–2 statement cycles after the 90-day promotional period provided the Account is open and in Good Standing at time of payout. Your Account is in Good Standing if it is not more than one (1) monthly statement period past due and is not closed, charged off, or in credit revoked status, all according to our credit risk policies that may change from time to time. If a Client does not meet the minimum Net Purchases dollar amount required within the promotional period, they will not receive any cashback under this Offer. 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 and Conditions, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.
◊ Changing Your 2% Money-Back Categories: At the time of Application, you will choose either two (2) or three (3) 2% Money-Back Categories (depending on your choice of Redemption Destinations as described above in Section 5 of the Tangerine Money-Back Rewards Program Terms and Conditions. If your online session ends early during the Application process and you did not have a chance to select your 2% Money-Back Categories, we will choose them on your behalf. Whether you choose your 2% Money-Back Categories or they are chosen for you, you can make one (1) 2% Money-Back Category change request at any time after the Credit Card Account opening. Any further 2% Money-Back Category change requests will take effect on the first billing date following a 90-day hold period after the previous 2% Money-Back Category change took effect. During the 90-day period, you may request a change to your 2% Money-Back Category selection at any time. However, the change will not take effect until this period has ended. If you request multiple changes to your 2% Money-Back Categories throughout this period, we will select the most recent change request as the request that is to be implemented. To review the history of changes to your Credit Card Account, log in at tangerine.ca and go to “Manage Rewards”.
* 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: Get $100 when you spend $1,500 in your first 3 months.
On Going Rewards 1st: Two Categories 2% Money-Back Rewards on purchases in two categories of your choice
On Going Rewards 2nd: 13 Categories to explore
GCR Rebate: 125
GCR Rebate
$125
Initial Rewards
Get $100 with a Money-Back World Mastercard®*
Credit Needed
NA
• To be eligible for this rebate, applicants must not have had any Tangerine credit card previously. You 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 contact GCR within 3 months from application date to report a missing rebate, otherwise the rebate is void by the merchant.
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Tangerine Money-Back Credit Card
Earn a bonus 10% cash back (up to $100) for purchases made in your first 2 months.* Plus, get a promo rate on balances you transfer for a limited time.
That’s on top of earning 2% Money-Back Rewards in up to 3 Categories* of your choice, like gas, groceries and home improvement.
Offer Expires September 30, 2026.
* Conditions apply.
FEATURES
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
No annual fee
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
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.
* Rewards Promotional Offer:
The Tangerine 10% 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 September 30, 2026, (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.
† Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee). Please visit Tangerine to view complete Terms and Conditions.
* 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: Earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 12 months.
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: 125
GCR Rebate
$125
Initial Rewards
Earn an extra 10% back
Credit Needed
Fair
• To be eligible for this rebate, applicants must not have had any Tangerine credit card previously. You 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 contact GCR within 3 months from application date to report a missing rebate, otherwise the rebate is void by the merchant.
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Tangerine® Rewards World Elite®* Mastercard®*
Earn up to $600* in value for the first year. Earn a 30,000 Scene+® Points Welcome Bonus with the Tangerine® Rewards World Elite®* Mastercard®*
Apply today and start earning up to $600 in value* from Day 1, including:
$300 value (30,000 Scene+ points): Spend $3,000 on what you need in the first 3 months to earn a Welcome Bonus.1
$100 value (10,000 Scene+ points): Get an Annual Lifestyle Credit by spending $30,000 in a year.1
$200 value: 4 complimentary lounge passes annually.2 Gain airport lounge access with Dragonpasses when travelling.
Offer ends October 30, 2026.
*Conditions apply.
FEATURES
Premium Rewards That Elevate the Everyday
The Tangerine Rewards World Elite Mastercard is designed to fit seamlessly into Canadians’ daily routines, offering flexible rewards and benefits tailored to their personal interests — from travel and concerts to culinary experiences — all backed by accelerators that enhance their everyday spend.
Unlimited, Accelerated Earning, Personalized to You
Powered by Scene+, cardholders get access to Canada’s largest loyalty program and the ability to earn:
1.5X Scene+ points on three accelerator categories of their choice, with the flexibility to refresh categories every 90 days3 - a well-loved Tangerine feature that helps clients stay aligned with their spending habits and evolving lifestyle needs.
1 point per $1 on all other purchases.
Momentum at the Pump: Currently available in Alberta and starting May 26, nationwide, cardholders can unlock up to 10¢/L in value at Shell locations.4
Instant savings of 3¢/L on all grades of Shell fuel.
Save an additional 4¢/L when purchasing Shell V-power fuel.
Earn up to 3¢/L in Scene+ points value on your fuel purchases at Shell.
Premium Protection & Global Perks: Cardholders enjoy peace of mind with comprehensive travel and mobile device insurance, plus a one-of-a-kind Event Ticket Protection.
Additional premium perks include: Four annual complimentary airport lounge passes.2
Mastercard Travel Rewards: Travel abroad. Shop with Mastercard. Get Rewarded.5
Unlock extraordinary Priceless experiences worldwide through Priceless.com.8
The Mastercard Collection: Globally connected access to premium dining, entertainment and travel benefits.5
Unique Cirque du Soleil benefits.9
FUBO: Save $30 on a Sports Quarterly plan for your first quarter.10
H&R Block: Receive 30% off tax filing services.11
FlexiRoam: Enjoy a complimentary 3GB Global Data Roaming Plan.12
Benefinder Advantage: Benefinder, Tangerine’s new built-in digital rewards tool, helps clients get the most out of their card by tracking rewards and bringing offers and benefits together in one place — with additional functionality on the way.
Earn and Redeem on What’s Essential to You: Cardholders receive points, perks and rewards from key partners like Scene+ Travel, Powered by Expedia, Shell, Home Hardware, Rakuten, Cineplex, and Empire Company Limited’s family of brands including Sobeys, IGA, Safeway, Foodland, FreshCo and Voilà.
Transfer and Save:
During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply. ** Conditions apply.
Promotional Offer: *Savings and reward potential in first 12 months includes current welcome offer value, annual point bonus and airport lounge savings as of February 3, 2026
$300 in Scene+ points (30,000 bonus Scene+ points) for new clients who spend $3,000 in Net Purchases within the first 3 months
$100 in Scene+ points (10,000 bonus Scene+ points) when you spend $30,000 annually on your Account each year (12-months)
CAD$200/USD$148 worth of lounge passes annually (4 passes valued at USD$37/CAD$50 per pass). Currency conversion as of February 3, 2026.
Potential First Year Value = up to $600
Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers which are subject to change. Conditions apply.
**Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee)
A Promotional Rate of 1.95% will apply to any and all Balance Transfers made within 30 days of the Account opening, and will remain in effect for 6 Statement Periods from the date the last such Balance Transfer was posted to the Account (the “Promotional Rate Period”). To take advantage of this Promotional Offer, you must complete the Balance Transfer request within 30 days of Account approval. You must also activate your Card within 45 days of Account approval for the requested Balance Transfer to be processed, or the Balance Transfer will be automatically cancelled. Balance Transfers are treated as Cash Advances on your Card and do not have an interest-free grace period. Balance Transfers may not exceed the available credit on the Account. If the Balance Transfer exceeds the available credit, the Balance Transfer transaction will not be processed. A 1% Balance Transfer Fee will be charged on each Balance Transfer amount and will be immediately charged to your Credit Card. This Balance Transfer Fee is waived by Tangerine if you are a resident of the province of Quebec at the time you accept this offer. Interest does not accrue on the Balance Transfer Fee, however it is included in the Minimum Payment amount on your monthly statement. You must continue to make all of your monthly Minimum Payments by the Payment Due Dates shown on your monthly statements. If you still have an amount owing from your Balance Transfer when the Promotional Rate Period ends, the Cash Advance interest rate of 22.95% will apply to that amount. You must continue to make the Minimum Payments on your Account, regardless of whether the Balance Transfer has been processed to your Account. We don’t charge interest on new Purchases that appear on your statement for the first time if we receive full payment of the Balance on your statement (including payment of any Balance Transfers included in that Balance), by the Payment Due Date on your statement. This means you will pay interest on new purchases that appear on your statement for the first time unless we receive payment of your entire balance each month by the payment due date. For example, if you do a promotional (or non-promotional) balance transfer for $7,000 and spend $500 in new purchases during the same statement cycle, we must receive payment of the entire balance of $7,500 on or before your payment due date to avoid paying interest on your new purchases that month of $500. Balance Transfers may not be used to transfer money to or from another Tangerine Account. See the Tangerine Credit Card Cardholder Agreement for more information about how we apply payments to 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.
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:
On Going Rewards 1st:
On Going Rewards 2nd:
GCR Rebate: 0
GCR Rebate
$0
Initial Rewards
NA
Credit Needed
NA
No Rebate offered.
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Scotiabank Value® VISA* Card
0.99 % introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 13.99% after that; annual fee $29).*
Plus no annual fee in the first year.*
Offer valid October 31, 2025 - October 31, 2026.
FEATURES
Save hundreds of dollars in interest a year
Low 13.99% interest rate
Pay down balances faster
Simplify your monthly payments
Rates, fees and other information are effective as of October 31, 2025. Subject to change.
*Offer Description and Conditions: The Introductory 0.99% Balance Transfer Rate and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank Value Visa credit card accounts (“Accounts”) that are opened by subject to the conditions below. We will waive the annual fee for the primary card opened between October 31, 2025 - October 31, 2026 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 personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
* See Card Provider's website and Card Application for complete card details, terms, conditions 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 9 months. Plus no annual fee in the first year!
On Going Rewards 1st: Save hundreds of dollars in interest a year
On Going Rewards 2nd: Low 13.99% interest rate
GCR Rebate: 70
GCR Rebate
$70
Initial Rewards
0.99 % introductory interest rate on balance transfers
Credit Needed
Good
Cash back Rebates will be paid by Great Canadian Rebates under the following rules:
1. Applicants must apply through an online link from Great Canadian Rebates.
2. Rebates are for applications started and approved online.
3. DO NOT leave the application before completing. This includes browsing elsewhere.
4. If application session expires, a new session must be started. Start over by clicking on the link from Great Canadian Rebates.
5. Activation of the Card by the cardholder.
6. Cashback may end at any time and is at the discretion of the GCR and only available to Great Canadian Rebates members.
7. Cashback is not valid to repeat cardholders with the same card.
8. Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
NOTE: You must reply to GCR within 3 months from application date to report a missing rebate, otherwise the rebate is void.
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Scotia Momentum® No-Fee Visa* Card
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
Plus, get a 0% introductory interest rate on Balance Transfers for the first 6 months.
(2% fee per cash advance, 22.99% after that; annual fee $0)
Offer valid March 2, 2026 - July 1, 2026.
FEATURES
Earn 1% cash back on all eligible groceries, drug stores purchases, food delivery and food subscription services.
Earn 1% cash back on all eligible gas purchases, electric vehicle charging, transit and rideshare.
Earn 1% cash back on all eligible recurring bill payments and subscription services.
Earn 0.5% cash back on all other eligible purchases.
Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption).
Rates, fees, offers and other information are effective as of October 31, 2025. Subject to change.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal 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 also eligible for the Offer.
* See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information.
Initial Rewards: Earn 5% cash back for 3 months plus get a 0% introductory interest rate on balance transfers for the first 6 months.
On Going Rewards 1st: Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.
On Going Rewards 2nd: Earn 0.5% cash back on all other eligible purchases
GCR Rebate: 50
GCR Rebate
$50
Initial Rewards
5% cash back
Credit Needed
Good
Cash back Rebates will be paid by Great Canadian Rebates under the following rules:
1. Applicants must apply through an online link from Great Canadian Rebates.
2. Rebates are for applications started and approved online.
3. DO NOT leave the application before completing. This includes browsing elsewhere.
4. If application session expires, a new session must be started. Start over by clicking on the link from Great Canadian Rebates.
5. Activation of the Card by the cardholder.
6. Cashback may end at any time and is at the discretion of the GCR and only available to Great Canadian Rebates members.
7. Cashback is not valid to repeat cardholders with the same card.
8. Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
NOTE: You must reply to GCR within 3 months of application date to report a missing rebate, otherwise the rebate is void.
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MBNA True Line® Gold Mastercard®
Low 10.99% standard interest rate on purchases
FEATURES
$39 annual fee
Standard Annual Interest Rates of 10.99% on purchases,13.99% on balance transfers✪, and 24.99% on cash advances
This card is made from 100% recycled plastic
Around-the-clock-fraud protection
Use available credit on your credit card to transfer funds right to your chequing account
✪ Terms and Conditions apply.
This offer is not available for residents of Quebec.
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 Now” button.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.
Initial Rewards: Standard Annual Interest Rates of 10.99% on purchases, 13.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
On Going Rewards 1st: Around-the-clock-fraud protection
On Going Rewards 2nd: Use available credit on your credit card to transfer funds right to your chequing account
GCR Rebate: 50
GCR Rebate
$50
Initial Rewards
Low 10.99% Interest Rate
Credit Needed
Good
IMPORTANT : To get a rebate, you must fill in the application of this card after you click the above link. You will not get a rebate if you use the MBNA Credit Card Selector Tool.
• 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
Get a 2.99% introductory interest rate on on purchases and balance transfers for the first 6 months. (22.99% after that; annual fee $39)*
Offer valid October 31, 2025 - October 31, 2026.
FEATURES
Earn 2% cash back for every $1 you spend on groceries, drug stores purchases, food delivery and food subscription services.
Earn 2% cash back for every $1 you spend on gas purchases, electric vehicle charging, transit and rideshare.
Earn 2% cash back for every $1 you spend on recurring bill payments and subscription services.
Earn 1% cash back on all other eligible cashback purchases.
Redeem your Cash Back anytime ($25.00 minimum required).
Rates, fees, offers and other information are effective as of October 31, 2025. Subject to change.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal 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 also eligible for the Offer.
* See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information.
Initial Rewards: Get a 2.99% introductory interest rate on on purchases and 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: 60
GCR Rebate
$60
Initial Rewards
2.99% introductory interest rate
Credit Needed
Good
Cash back Rebates will be paid by Great Canadian Rebates under the following rules:
1. Applicants must apply through an online link from Great Canadian Rebates.
2. Rebates are for applications started and approved online.
3. DO NOT leave the application before completing. This includes browsing elsewhere.
4. If application session expires, a new session must be started. Start over by clicking on the link from Great Canadian Rebates.
5. Activation of the Card by the cardholder.
6. Cashback may end at any time and is at the discretion of the GCR and only available to Great Canadian Rebates members.
7. Cashback is not valid to repeat cardholders with the same card.
8. Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
NOTE: You must reply to GCR within 3 months from application date to report a missing rebate, otherwise the rebate is void.
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RBC® Visa‡ Classic Low Rate Option
Enjoy a 0.99% introductory interest rate for the first 10 months on balance transfers^ and no annual fee for the first year*.
Apply by September 30, 2026.
FEATURES
Low, fixed interest rate on purchases, cash advances and balance transfers
Low annual fee
Purchase security and extended warranty insurance4
Link your RBC card with a Petro-Points membership and instantly save on fuel at Petro-Canada stations and earn 20% more Petro-Points
Get $0 delivery fees for 6 months from DoorDash14 - Add your eligible RBC credit card to your DoorDash account to:
- Get a 6-month complimentary DashPass subscription15 – a value of almost $30
- Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Refer to RBC page for up to date offer terms and conditions.
Legal references and product terms are available on the RBC website where the client will be directed during the onboarding process to review and agree to them.
^ In order to benefit from the 0.99% introductory interest rate on cash advances for 10 months, your application must be submitted by September 30, 2026 and approved by us. The introductory interest rate offer is applicable to all cash advances (i.e. cash withdrawals from a bank branch or ATM with your RBC Royal Bank credit card, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set-up with a merchant). All other account activities, including purchases, are subject to the standard account annual interest rate(s) as shown in the Information Box. Interest is charged from the day the cash advance is made, until we receive your payment for the total amount you owe. The introductory interest rate on cash advances remains in effect through the first 10 full monthly statement periods (approximately 10 months from account open date). The Interest Rate Chart on your monthly statement will indicate the date on which the introductory interest rate expires, as long as you have a remaining balance associated with your introductory interest rate. If we do not process statements on the expiry date (for example, if it falls on a holiday or weekend), you will continue to benefit from that introductory interest rate until your statement is prepared, the next processing day. Once the offer expires: (i) all cash advances; and (ii) any remaining balances, which were subject to the introductory interest rate under this offer, will be subject to the cash advances interest rate indicated on your monthly statement. In general, if your credit card account consists of balances with different interest rates, such as purchases at the standard interest rate and cash advances at an introductory or promotional interest rate (e.g. a special lower rate balance transfer, or a temporary lower rate on all cash advances), any payment that exceeds the minimum payment due will be allocated to those balances in a proportionate manner. Your payment will not be applied to the balance(s) of your choice, such as the balance(s) with the highest interest rate, or to any category of balance(s) following a specific order. Please see the RBC Royal Bank Credit Card Agreement for details on how we allocate your payments. . If you miss making any minimum payment by the payment due date and if you have not paid it before the date we prepare your next monthly statement, and/or if you change your actual RBC Royal Bank credit card for another type of card before the expiration of the offer, you will lose the benefit of this and any other introductory or promotional interest rate offer(s) in which you are participating and any remaining balance(s) which were subject to the introductory or other promotional annual interest rate under an offer(s) will be subject to the annual interest rate(s) indicated on your monthly statement, beginning on the first day of the third statement period after the missed payment. Cash advances do not qualify for Avion® points, partner rewards or cash back credits if your credit card is a type that earns rewards. Balance transfers cannot be used to pay any RBC Royal Bank credit card account or used for pre-authorized payments. Please call customer service at 1-800 ROYAL 1-2 (1-800-769-2512) for up-to-date information on your credit card account. Your RBC Royal Bank Credit Card Agreement explains the terms under which you use your RBC Royal Bank credit card. Please refer to it for full details.
* To be exempt from the RBC Visa Classic Low-Rate Option annual fee for one year, your application must be received by September 30, 2026, and approved by us. Additional cardholders (co-applicant and authorized user(s)), existing RBC Visa Classic Low-Rate Option cardholders, as well as existing cardholders of any RBC personal credit cards, applying for or transferring to an RBC Visa Classic Low-Rate Option, as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer.
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Initial Rewards: Enjoy a 0.99% introductory interest rate for the first 10 months on balance transfers^ and no annual fee for the first year.
On Going Rewards 1st: Earn 20% more Petro-Points
On Going Rewards 2nd: Get $0 delivery fees for 6 months from DoorDash
GCR Rebate: 0
GCR Rebate
$0
Initial Rewards
0.99% introductory interest rate & no annual fee for the first year
Credit Needed
NA
• 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 GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.
• NOTE: You must contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
-
CIBC Select Visa* Card
Transfer your credit card balance of $100 or more - Get 0% interest for up to 10 months with a 1% transfer fee† (BT fee does not apply for Quebec residents) and a two year annual fee rebate.†
FEATURES
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 of $100 or more for your first 10 months. You’ll only have to pay a 1% fee† (BT fee does not apply for Quebec residents) 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.
Balance transfers of amounts less than $100 are not eligible for this promotional balance transfer offer and will be subject to the regular interest rate for Cash Advances applicable to your account.
Save over $600 with CIBC and Skip
Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Select Visa Card with Skip.†
Save on gas with CIBC and Journie Rewards
Link and use your CIBC Select Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
†Terms and Conditions Apply. Select Apply Now to learn more.
Initial Rewards: Get 0% interest for up to 10 months with a 1% transfer fee and a two 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
$0
Initial Rewards
Get 0% interest for up to 10 months
Credit Needed
Good
Cash Back Not Available from GCR. Any offers are strictly from CIBC.
GCR Rebate
Initial Rewards
Credit Needed
Tangerine® Money-Back World Mastercard®*
$125
Get $100 with a Money-Back World Mastercard®*
Get $100 when you spend $1,500 in your first 3 months.
Get $100 with a Tangerine® Money-Back World Mastercard®*. Spend $1,500 in your first 3 months to enjoy this Bonus.**
Offer Expires September 30, 2026.
*Conditions apply.
FEATURES
Unlimited cash back and flexibility
Two Categories 2% Money-Back Rewards on purchases in two categories of your choice. OR Three categories Deposit your Rewards into a Tangerine Savings Account and get a third 2% Money-Back category. 13 Categories to explore Groceries, gas, and beyond, choose from 13 categories to suit your spending. And change them up every 90 days to match your purchases.◊
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.
No annual fee.
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® Travel Pass Provided By DragonPass
Make the most of your travel with Mastercard® Travel Pass Provided by DragonPass. Your complimentary membership gives you exclusive dining, retail and spa offers in over 650 airports worldwide, along with access to over 1,300 airport lounges at $32 USD per visit. Learn more at mastercardtravelpass.dragonpass.com
Scoring a $100 Bonus is easy
1. Apply in minutes – Apply on our Mobile Banking app or online. Be sure to activate your Card within 45 days of approval.
2. Earn $100, just for spending on your everyday essentials – Spend $1,500 in your first 3 months to enjoy this Bonus. Get this Bonus on top of your usual unlimited 2% cash back in up to 3 customizable categories + 0.5% back on everything else.
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.
** Rewards Promotional Offer:
The Tangerine $100 Money-Back Rewards Limited-time Promotional Offer (the “Offer”) is only available to new Tangerine Money-Back World Mastercard Account holders who (i) apply for a Tangerine Money-Back World Mastercard (the “Account”) by Sep 30, 2026, (ii) activate their Account within 45 days of approval, and (iii) have at least $1,500 in total Net Purchases posted to their Account within the 90-day promotional period beginning on the date the Tangerine Money-Back 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 $100 Money-Back Rewards will be credited to the Primary Cardholder’s Account within approximately 1–2 statement cycles after the 90-day promotional period provided the Account is open and in Good Standing at time of payout. Your Account is in Good Standing if it is not more than one (1) monthly statement period past due and is not closed, charged off, or in credit revoked status, all according to our credit risk policies that may change from time to time. If a Client does not meet the minimum Net Purchases dollar amount required within the promotional period, they will not receive any cashback under this Offer. 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 and Conditions, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.
◊ Changing Your 2% Money-Back Categories: At the time of Application, you will choose either two (2) or three (3) 2% Money-Back Categories (depending on your choice of Redemption Destinations as described above in Section 5 of the Tangerine Money-Back Rewards Program Terms and Conditions. If your online session ends early during the Application process and you did not have a chance to select your 2% Money-Back Categories, we will choose them on your behalf. Whether you choose your 2% Money-Back Categories or they are chosen for you, you can make one (1) 2% Money-Back Category change request at any time after the Credit Card Account opening. Any further 2% Money-Back Category change requests will take effect on the first billing date following a 90-day hold period after the previous 2% Money-Back Category change took effect. During the 90-day period, you may request a change to your 2% Money-Back Category selection at any time. However, the change will not take effect until this period has ended. If you request multiple changes to your 2% Money-Back Categories throughout this period, we will select the most recent change request as the request that is to be implemented. To review the history of changes to your Credit Card Account, log in at tangerine.ca and go to “Manage Rewards”.
* 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.
• To be eligible for this rebate, applicants must not have had any Tangerine credit card previously. You 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 contact GCR within 3 months from application date to report a missing rebate, otherwise the rebate is void by the merchant.
Tangerine Money-Back Credit Card
$125
Earn an extra 10% back
Fair
Earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 12 months.
Earn a bonus 10% cash back (up to $100) for purchases made in your first 2 months.* Plus, get a promo rate on balances you transfer for a limited time.
That’s on top of earning 2% Money-Back Rewards in up to 3 Categories* of your choice, like gas, groceries and home improvement.
Offer Expires September 30, 2026.
* Conditions apply.
FEATURES
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
No annual fee
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
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.
* Rewards Promotional Offer:
The Tangerine 10% 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 September 30, 2026, (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.
† Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee). Please visit Tangerine to view complete Terms and Conditions.
* 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.
• To be eligible for this rebate, applicants must not have had any Tangerine credit card previously. You 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 contact GCR within 3 months from application date to report a missing rebate, otherwise the rebate is void by the merchant.
Tangerine® Rewards World Elite®* Mastercard®*
$0
Earn up to $600* in value for the first year. Earn a 30,000 Scene+® Points Welcome Bonus with the Tangerine® Rewards World Elite®* Mastercard®*
Apply today and start earning up to $600 in value* from Day 1, including:
$300 value (30,000 Scene+ points): Spend $3,000 on what you need in the first 3 months to earn a Welcome Bonus.1
$100 value (10,000 Scene+ points): Get an Annual Lifestyle Credit by spending $30,000 in a year.1
$200 value: 4 complimentary lounge passes annually.2 Gain airport lounge access with Dragonpasses when travelling.
Offer ends October 30, 2026.
*Conditions apply.
FEATURES
Premium Rewards That Elevate the Everyday
The Tangerine Rewards World Elite Mastercard is designed to fit seamlessly into Canadians’ daily routines, offering flexible rewards and benefits tailored to their personal interests — from travel and concerts to culinary experiences — all backed by accelerators that enhance their everyday spend.
Unlimited, Accelerated Earning, Personalized to You
Powered by Scene+, cardholders get access to Canada’s largest loyalty program and the ability to earn:
1.5X Scene+ points on three accelerator categories of their choice, with the flexibility to refresh categories every 90 days3 - a well-loved Tangerine feature that helps clients stay aligned with their spending habits and evolving lifestyle needs.
1 point per $1 on all other purchases.
Momentum at the Pump: Currently available in Alberta and starting May 26, nationwide, cardholders can unlock up to 10¢/L in value at Shell locations.4
Instant savings of 3¢/L on all grades of Shell fuel.
Save an additional 4¢/L when purchasing Shell V-power fuel.
Earn up to 3¢/L in Scene+ points value on your fuel purchases at Shell.
Premium Protection & Global Perks: Cardholders enjoy peace of mind with comprehensive travel and mobile device insurance, plus a one-of-a-kind Event Ticket Protection.
Additional premium perks include: Four annual complimentary airport lounge passes.2
Mastercard Travel Rewards: Travel abroad. Shop with Mastercard. Get Rewarded.5
Unlock extraordinary Priceless experiences worldwide through Priceless.com.8
The Mastercard Collection: Globally connected access to premium dining, entertainment and travel benefits.5
Unique Cirque du Soleil benefits.9
FUBO: Save $30 on a Sports Quarterly plan for your first quarter.10
H&R Block: Receive 30% off tax filing services.11
FlexiRoam: Enjoy a complimentary 3GB Global Data Roaming Plan.12
Benefinder Advantage: Benefinder, Tangerine’s new built-in digital rewards tool, helps clients get the most out of their card by tracking rewards and bringing offers and benefits together in one place — with additional functionality on the way.
Earn and Redeem on What’s Essential to You: Cardholders receive points, perks and rewards from key partners like Scene+ Travel, Powered by Expedia, Shell, Home Hardware, Rakuten, Cineplex, and Empire Company Limited’s family of brands including Sobeys, IGA, Safeway, Foodland, FreshCo and Voilà.
Transfer and Save:
During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply. ** Conditions apply.
Promotional Offer: *Savings and reward potential in first 12 months includes current welcome offer value, annual point bonus and airport lounge savings as of February 3, 2026
$300 in Scene+ points (30,000 bonus Scene+ points) for new clients who spend $3,000 in Net Purchases within the first 3 months
$100 in Scene+ points (10,000 bonus Scene+ points) when you spend $30,000 annually on your Account each year (12-months)
CAD$200/USD$148 worth of lounge passes annually (4 passes valued at USD$37/CAD$50 per pass). Currency conversion as of February 3, 2026.
Potential First Year Value = up to $600
Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers which are subject to change. Conditions apply.
**Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee)
A Promotional Rate of 1.95% will apply to any and all Balance Transfers made within 30 days of the Account opening, and will remain in effect for 6 Statement Periods from the date the last such Balance Transfer was posted to the Account (the “Promotional Rate Period”). To take advantage of this Promotional Offer, you must complete the Balance Transfer request within 30 days of Account approval. You must also activate your Card within 45 days of Account approval for the requested Balance Transfer to be processed, or the Balance Transfer will be automatically cancelled. Balance Transfers are treated as Cash Advances on your Card and do not have an interest-free grace period. Balance Transfers may not exceed the available credit on the Account. If the Balance Transfer exceeds the available credit, the Balance Transfer transaction will not be processed. A 1% Balance Transfer Fee will be charged on each Balance Transfer amount and will be immediately charged to your Credit Card. This Balance Transfer Fee is waived by Tangerine if you are a resident of the province of Quebec at the time you accept this offer. Interest does not accrue on the Balance Transfer Fee, however it is included in the Minimum Payment amount on your monthly statement. You must continue to make all of your monthly Minimum Payments by the Payment Due Dates shown on your monthly statements. If you still have an amount owing from your Balance Transfer when the Promotional Rate Period ends, the Cash Advance interest rate of 22.95% will apply to that amount. You must continue to make the Minimum Payments on your Account, regardless of whether the Balance Transfer has been processed to your Account. We don’t charge interest on new Purchases that appear on your statement for the first time if we receive full payment of the Balance on your statement (including payment of any Balance Transfers included in that Balance), by the Payment Due Date on your statement. This means you will pay interest on new purchases that appear on your statement for the first time unless we receive payment of your entire balance each month by the payment due date. For example, if you do a promotional (or non-promotional) balance transfer for $7,000 and spend $500 in new purchases during the same statement cycle, we must receive payment of the entire balance of $7,500 on or before your payment due date to avoid paying interest on your new purchases that month of $500. Balance Transfers may not be used to transfer money to or from another Tangerine Account. See the Tangerine Credit Card Cardholder Agreement for more information about how we apply payments to 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.
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.
No Rebate offered.
Scotiabank Value® VISA* Card
$70
0.99 % introductory interest rate on balance transfers
Good
0.99 % introductory interest rate on balance transfers for the first 9 months. Plus no annual fee in the first year!
0.99 % introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 13.99% after that; annual fee $29).*
Plus no annual fee in the first year.*
Offer valid October 31, 2025 - October 31, 2026.
FEATURES
Save hundreds of dollars in interest a year
Low 13.99% interest rate
Pay down balances faster
Simplify your monthly payments
Rates, fees and other information are effective as of October 31, 2025. Subject to change.
*Offer Description and Conditions: The Introductory 0.99% Balance Transfer Rate and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank Value Visa credit card accounts (“Accounts”) that are opened by subject to the conditions below. We will waive the annual fee for the primary card opened between October 31, 2025 - October 31, 2026 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 personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
* See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information.
Cash back Rebates will be paid by Great Canadian Rebates under the following rules:
1. Applicants must apply through an online link from Great Canadian Rebates.
2. Rebates are for applications started and approved online.
3. DO NOT leave the application before completing. This includes browsing elsewhere.
4. If application session expires, a new session must be started. Start over by clicking on the link from Great Canadian Rebates.
5. Activation of the Card by the cardholder.
6. Cashback may end at any time and is at the discretion of the GCR and only available to Great Canadian Rebates members.
7. Cashback is not valid to repeat cardholders with the same card.
8. Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
NOTE: You must reply to GCR within 3 months from application date to report a missing rebate, otherwise the rebate is void.
Scotia Momentum® No-Fee Visa* Card
$50
5% cash back
Good
Earn 5% cash back for 3 months plus get a 0% introductory interest rate on balance transfers for the first 6 months.
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
Plus, get a 0% introductory interest rate on Balance Transfers for the first 6 months.
(2% fee per cash advance, 22.99% after that; annual fee $0)
Offer valid March 2, 2026 - July 1, 2026.
FEATURES
Earn 1% cash back on all eligible groceries, drug stores purchases, food delivery and food subscription services.
Earn 1% cash back on all eligible gas purchases, electric vehicle charging, transit and rideshare.
Earn 1% cash back on all eligible recurring bill payments and subscription services.
Earn 0.5% cash back on all other eligible purchases.
Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption).
Rates, fees, offers and other information are effective as of October 31, 2025. Subject to change.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal 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 also eligible for the Offer.
* See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information.
Cash back Rebates will be paid by Great Canadian Rebates under the following rules:
1. Applicants must apply through an online link from Great Canadian Rebates.
2. Rebates are for applications started and approved online.
3. DO NOT leave the application before completing. This includes browsing elsewhere.
4. If application session expires, a new session must be started. Start over by clicking on the link from Great Canadian Rebates.
5. Activation of the Card by the cardholder.
6. Cashback may end at any time and is at the discretion of the GCR and only available to Great Canadian Rebates members.
7. Cashback is not valid to repeat cardholders with the same card.
8. Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
NOTE: You must reply to GCR within 3 months of application date to report a missing rebate, otherwise the rebate is void.
MBNA True Line® Gold Mastercard®
$50
Low 10.99% Interest Rate
Good
Standard Annual Interest Rates of 10.99% on purchases, 13.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
Low 10.99% standard interest rate on purchases
FEATURES
$39 annual fee
Standard Annual Interest Rates of 10.99% on purchases,13.99% on balance transfers✪, and 24.99% on cash advances
This card is made from 100% recycled plastic
Around-the-clock-fraud protection
Use available credit on your credit card to transfer funds right to your chequing account
✪ Terms and Conditions apply.
This offer is not available for residents of Quebec.
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 Now” button.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.
IMPORTANT : To get a rebate, you must fill in the application of this card after you click the above link. You will not get a rebate if you use the MBNA Credit Card Selector Tool.
• 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
$60
2.99% introductory interest rate
Good
Get a 2.99% introductory interest rate on on purchases and balance transfers for the first 6 months.
Get a 2.99% introductory interest rate on on purchases and balance transfers for the first 6 months. (22.99% after that; annual fee $39)*
Offer valid October 31, 2025 - October 31, 2026.
FEATURES
Earn 2% cash back for every $1 you spend on groceries, drug stores purchases, food delivery and food subscription services.
Earn 2% cash back for every $1 you spend on gas purchases, electric vehicle charging, transit and rideshare.
Earn 2% cash back for every $1 you spend on recurring bill payments and subscription services.
Earn 1% cash back on all other eligible cashback purchases.
Redeem your Cash Back anytime ($25.00 minimum required).
Rates, fees, offers and other information are effective as of October 31, 2025. Subject to change.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal 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 also eligible for the Offer.
* See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information.
Cash back Rebates will be paid by Great Canadian Rebates under the following rules:
1. Applicants must apply through an online link from Great Canadian Rebates.
2. Rebates are for applications started and approved online.
3. DO NOT leave the application before completing. This includes browsing elsewhere.
4. If application session expires, a new session must be started. Start over by clicking on the link from Great Canadian Rebates.
5. Activation of the Card by the cardholder.
6. Cashback may end at any time and is at the discretion of the GCR and only available to Great Canadian Rebates members.
7. Cashback is not valid to repeat cardholders with the same card.
8. Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
NOTE: You must reply to GCR within 3 months from application date to report a missing rebate, otherwise the rebate is void.
RBC® Visa‡ Classic Low Rate Option
$0
0.99% introductory interest rate & no annual fee for the first year
Enjoy a 0.99% introductory interest rate for the first 10 months on balance transfers^ and no annual fee for the first year.
Enjoy a 0.99% introductory interest rate for the first 10 months on balance transfers^ and no annual fee for the first year*.
Apply by September 30, 2026.
FEATURES
Low, fixed interest rate on purchases, cash advances and balance transfers
Low annual fee
Purchase security and extended warranty insurance4
Link your RBC card with a Petro-Points membership and instantly save on fuel at Petro-Canada stations and earn 20% more Petro-Points
Get $0 delivery fees for 6 months from DoorDash14 - Add your eligible RBC credit card to your DoorDash account to:
- Get a 6-month complimentary DashPass subscription15 – a value of almost $30
- Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Refer to RBC page for up to date offer terms and conditions.
Legal references and product terms are available on the RBC website where the client will be directed during the onboarding process to review and agree to them.
^ In order to benefit from the 0.99% introductory interest rate on cash advances for 10 months, your application must be submitted by September 30, 2026 and approved by us. The introductory interest rate offer is applicable to all cash advances (i.e. cash withdrawals from a bank branch or ATM with your RBC Royal Bank credit card, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set-up with a merchant). All other account activities, including purchases, are subject to the standard account annual interest rate(s) as shown in the Information Box. Interest is charged from the day the cash advance is made, until we receive your payment for the total amount you owe. The introductory interest rate on cash advances remains in effect through the first 10 full monthly statement periods (approximately 10 months from account open date). The Interest Rate Chart on your monthly statement will indicate the date on which the introductory interest rate expires, as long as you have a remaining balance associated with your introductory interest rate. If we do not process statements on the expiry date (for example, if it falls on a holiday or weekend), you will continue to benefit from that introductory interest rate until your statement is prepared, the next processing day. Once the offer expires: (i) all cash advances; and (ii) any remaining balances, which were subject to the introductory interest rate under this offer, will be subject to the cash advances interest rate indicated on your monthly statement. In general, if your credit card account consists of balances with different interest rates, such as purchases at the standard interest rate and cash advances at an introductory or promotional interest rate (e.g. a special lower rate balance transfer, or a temporary lower rate on all cash advances), any payment that exceeds the minimum payment due will be allocated to those balances in a proportionate manner. Your payment will not be applied to the balance(s) of your choice, such as the balance(s) with the highest interest rate, or to any category of balance(s) following a specific order. Please see the RBC Royal Bank Credit Card Agreement for details on how we allocate your payments. . If you miss making any minimum payment by the payment due date and if you have not paid it before the date we prepare your next monthly statement, and/or if you change your actual RBC Royal Bank credit card for another type of card before the expiration of the offer, you will lose the benefit of this and any other introductory or promotional interest rate offer(s) in which you are participating and any remaining balance(s) which were subject to the introductory or other promotional annual interest rate under an offer(s) will be subject to the annual interest rate(s) indicated on your monthly statement, beginning on the first day of the third statement period after the missed payment. Cash advances do not qualify for Avion® points, partner rewards or cash back credits if your credit card is a type that earns rewards. Balance transfers cannot be used to pay any RBC Royal Bank credit card account or used for pre-authorized payments. Please call customer service at 1-800 ROYAL 1-2 (1-800-769-2512) for up-to-date information on your credit card account. Your RBC Royal Bank Credit Card Agreement explains the terms under which you use your RBC Royal Bank credit card. Please refer to it for full details.
* To be exempt from the RBC Visa Classic Low-Rate Option annual fee for one year, your application must be received by September 30, 2026, and approved by us. Additional cardholders (co-applicant and authorized user(s)), existing RBC Visa Classic Low-Rate Option cardholders, as well as existing cardholders of any RBC personal credit cards, applying for or transferring to an RBC Visa Classic Low-Rate Option, as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer.
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• 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 GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.
• NOTE: You must contact GCR within 4 months of application date to report a missing rebate otherwise the rebate is void.
CIBC Select Visa* Card
$0
Get 0% interest for up to 10 months
Good
Get 0% interest for up to 10 months with a 1% transfer fee and a two year annual fee rebate.
Transfer your credit card balance of $100 or more - Get 0% interest for up to 10 months with a 1% transfer fee† (BT fee does not apply for Quebec residents) and a two year annual fee rebate.†
FEATURES
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 of $100 or more for your first 10 months. You’ll only have to pay a 1% fee† (BT fee does not apply for Quebec residents) 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.
Balance transfers of amounts less than $100 are not eligible for this promotional balance transfer offer and will be subject to the regular interest rate for Cash Advances applicable to your account.
Save over $600 with CIBC and Skip
Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Select Visa Card with Skip.†
Save on gas with CIBC and Journie Rewards
Link and use your CIBC Select Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
†Terms and Conditions Apply. Select Apply Now to learn more.
Cash Back Not Available from GCR. Any offers are strictly from CIBC.
Get 25% Referral Bonus Get paid in cash 25% of all cash back rebates all your referrals collect
Great Canadian Rebates works in partnership with over 900 well known merchants. These outlets already offer great deals and savings, you save even more when you shop online as a member here. Once you register, you can save through Cash Back Rebates and even more using our coupons, deals, discounts and sales links.
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