Credit Card Coach

Filter : Balance Transfer Credit Cards


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Tangerine Money-Back Credit Card
Rewards Features:

• No annual fee

Apply for a Tangerine Money-Back Credit Card or Tangerine World Mastercard by July 31, 2022. If you’re approved, you’ll earn 10% back on up to $1,000 in everyday purchases made within your first 2 months

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

• 0.5% Money-Back Rewards on all other purchases.

• Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.

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

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

• Change your 2% Money-Back Categories to suit your spending.

• Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.

Additional Card Benefits:

• 2.5% Foreign Conversion Fee

• Free Cards for Authorized Users on your Account

• Purchase Assurance and Extended Warranty1 – For most new purchases made anywhere in the world using your Tangerine Money-Back Credit Card, you may receive a lifetime maximum of up to $60,000 for the following insurance coverage:

⋄ Purchase Assurance, which may automatically cover loss, theft or damage, in excess of other insurance, for 90 days from the date of purchase; and

⋄ Extended Warranty, which may double the period of repair services, to a maximum of one additional year, when the original manufacturer’s warranty expires.

• Add your Tangerine Money-Back Credit Card to the Wallet app on your Apple® device and use Apple Pay pretty much everywhere you love to shop. Look for the Apple Pay or contactless logo. It’s simple and secure. Learn more.

MasterCard® Benefits:

• Accepted worldwide at more than 24 million locations in over 210 countries

• MasterCard Zero Liability

• MasterCard Tap & GoTM

Acquisition Offer Disclaimer:

Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account. Tangerine is a registered trademark of The Bank of Nova Scotia, used under license. Forward Banking is a registered trademark of Tangerine Bank.

®/TM Mastercard and the Mastercard Brand Mark are registered trademarks and tap & go is a trademark of Mastercard International Incorporated.

Applicants will have to consent to a credit check as part of the application process. Accounts must be in Good Standing in order to receive Money-Back Rewards.

Balance Transfers are treated as Cash Advances and interest applies from the transaction date that appears on your monthly statement to the date you repay the balance in full. There is no interest-free grace period on Cash Advances or Balance Transfers.

*Rewards Promotional Offer:
The Tangerine 15% Limited Time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine Money-Back Credit Card (the “Account”) by January 31, 2022, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine Money-Back Credit Card is activated. “Net Purchases” include purchases charged to the Account (less any refunds, returns or other similar credits) but do not include payments, Cash Advances (including Balance Transfers and Cash-Like Transactions), interest, fees,insurance premiums, adjustments or other charges. The Offer Bonus of 10% (up to $100) will be credited to the Primary Cardholder’s Account within 1-2 statement cycles after the 60-day promotional period provided the Account is open and in Good Standing at time of payout. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.

Initial Rewards: Earn an extra 15% back (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months.
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: 100
GCR Rebate
$100
Initial Rewards
Earn an extra 15% back (up to $150)
Credit Needed
Fair
• 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 to redeem for $200 towards your purchases with AIR MILES®* Cash.

• Earn 1 Mile for every $5 in Card purchases, up to $30,000 annually, on eligible food & drinks, (such as eligible restaurants, coffee shops and stand-alone grocery stores), and eligible gas & transit (such as local commuter transportation including ridesharing services and taxi) in Canada.

• Earn 1 Mile for every $10 in Card purchases everywhere else.

• American Express® AIR MILES®* Platinum Credit Card Cardmembers can take advantage of the Annual Travel Redemption Benefit. Once per calendar year, when an eligible Cardmember uses Dream Miles with the AIR MILES Reward Program to book their first single flight or package vacation through airmiles.ca or vacations.airmiles.ca, they can get Bonus Miles equivalent to 25% of the net number of Miles used (up to a maximum of 750 Bonus Miles).

• Shop at participating AIR MILES®* Partners®* across Canada with your Card and show your AIR MILES®* Card, and you can earn Miles twice

• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Bonus Miles awarded as part of this benefit will be posted to the Collector Account linked to the American Express® AIR MILES®* Platinum Credit Card account in accordance with the AIR MILES balance preference set at the time the Bonus Miles are awarded. Bonus Miles will be posted to the Collector Account within 60-120 days of eligible redemption. Subject to change at any time.
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: 10
GCR Rebate
$10
Initial Rewards
2,000 AIR MILES®* Bonus Miles
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 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
***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.

Note : This offer is not available for residents of Quebec.

• No annual fee

• Standard Annual Interest Rates of 12.99% on purchases, 12.99% on balance transfers✪and access cheques, and 24.99% on cash advances

• You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening

• Around-the-clock fraud protection

• Use available credit on your credit card to transfer funds right to your chequing account.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link.

† Promotional Rates:
Balance Transfers: 0.00%
This Promotional Rate applies to any balance transfers made within 90 day(s) of your account opening (each, an "eligible transaction") and will remain in effect for 12 Statement Periods from the transaction date of each eligible transaction. The Promotional Rate will increase and the remaining balance of the eligible transaction will become subject to the Standard Rate for balance transfers either: (1) on the first day of the first Statement Period that occurs after the expiry of the Promotional Rate; or (2) on the first day of the second Statement Period following any late Minimum Payment. Other conditions apply. Offer may be changed, extended or withdrawn at any time, without notice.
Standard Rates:
Purchases: 12.99%
Balance transfers and access cheques: 12.99%
Cash advances: 24.99%

Default Rates:
If your Minimum Payment is late twice within any [12] consecutive Statement Periods (the "change event"), the Standard Rate(s) that apply to your account at that time will increase to the following new Standard Rate(s):
Purchases: 19.99%
Balance transfers and access cheques: 21.99%
Cash advances: 24.99%

The new Standard Rate(s) will apply on the first day of the second Statement Period following the change event. If you then pay each Minimum Payment on time for [12] consecutive Statement Periods ("cure period"), the new Standard Rate(s) will decrease to the Standard Rate(s) that applied on your account at the time of the change event. Such rates will apply on the first day of the first Statement Period that occurs after the cure period.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

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

Initial Rewards: Standard Annual Interest Rates of 12.99% on purchases, 12.99% on balance transfers✪and access cheques, and 24.99% on cash advances
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
12.99% on purchases
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 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™ from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership

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

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

• Access virtual events and special offers curated for Cardmembers with American Express® Experiences

• Insurance coverage and 24/7 Customer Service

• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Initial Rewards: 4% cash back on purchases for the first 6 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: 20
GCR Rebate
$20
Initial Rewards
4% cash back
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 SimplyCash Card from American Express 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 SimplyCash™ Preferred Card from American Express Cardmembers can earn 10% cash back on all eligible purchases (up to $400 cash back) for the first 4 months of Cardmembership

• Earn 2.0% cash back when your Welcome Rate ends

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

• Access to memorable experiences with American Express Invites®

• Extensive insurance coverage and 24/7 Customer Service

• Annual Fee : $99

• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

Conditions apply
Initial Rewards: Earn 10% cash back on all eligible purchases for the first 4 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: 40
GCR Rebate
$40
Initial Rewards
10% cash back
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 SimplyCash Preferred 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 (12.99% after that; annual fee $29)¹

• Save up to hundreds of dollars in interest a year

• Low 12.99% interest rate

• Convenient with Visa payWave*simply wave your card and go!²

• Pay down higher interest rates balances faster

• Transfer higher rate balances and save even more

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

Offer Description and Conditions: The Introductory 0.99% Balance Transfer Rate Offer (the “Offer”) applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below . This introductory rate applies when the new Scotiabank Value Visa credit card account (“Account”) is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank account. After the Promotional Period, the 0.99% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 12.99%). There is no balance transfer fee on balances transferred during the Promotional Period. If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances). Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Offer may be changed, cancelled or extended and cannot be combined with any other offers.

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Rates and Fees: The current annual fee is $29 for the primary card and $0 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 12.99% on purchases and 12.99% on Cash Advances. All rates, fees, features and benefits are subject to change.


*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
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: 100
GCR Rebate
$100
Initial Rewards
0.99% for balance transfers
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 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 reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
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MBNA True Line® Gold Mastercard® credit card
***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.

Note : This offer is not available for residents of Quebec.

• $39 annual fee

• Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪and access cheques, and 24.99% on cash advances

• Around-the-clock-fraud protection

• Access to 24/7 customer service

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

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

Initial Rewards: Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪and access cheques, and 24.99% on cash advances
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: 40
GCR Rebate
$40
Initial Rewards
8.99% on purchases
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 purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $39)1

• Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.¹

• 1% cash back on all other eligible everyday purchases

* Visit the application page for further details


1 Offer Description and Conditions: The Introductory 2.99% Interest Rate Offer (the “Offer”) applies only to eligible purchases and cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). After the Promotional Period, purchase balances at the promotional rate of 2.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 19.99%) and the promotional 2.99% interest rate on any 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 ate 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 25.99% on purchases and 27.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions)). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include interest, fees or other charges. This Offer is subject to any available limit for Cash Advances 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. There is no balance transfer fee on balances transferred during the Promotional Period.

Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card 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: The current annual fee is $39 for the primary card and $15 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances. All rates, fees, features and benefits are subject to change.



*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

One card that is becoming quite popular throughout Canada is the Scotia Momentum VISA card. The Momentum VISA card was created with the thought that some people might prefer getting cash back instead of receiving rewards or points for using it. Like having an extra savings account, the money that you save accrues on your monthly credit card statements for one year. At the end of that 12 month period, the money will either be deposited into your Scotiabank bank account, or it will show up as a credit on your VISA statement.

There are three main categories of businesses that will provide you with 2% cash back on your purchases: grocery stores, service stations, and drug stores. Almost every grocery store chain in Canada participate. It is a similar situation with service stations and drugstores. If you are unsure if your retailer is a participant, you can visit the Scotiabank website and download a comprehensive list.

If you want to, you can arrange to make recurring payments with your Visa card through participating retailers. This means that you should be able to pay your cable, gas, phone, and other utility bills using your card and more importantly, your code. Because of that, you will be able to receive 2% credited back to you on most of your monthly purchases.

By using a Scotia Momentum VISA card, you automatically qualify for a 20% discount on any car rental through Avis. You do not have to rent from Avis in Canada for this discount to be applicable. You can also take advantage of some technology that Scotia built into the Momentum VISA card called payWave. PayWave allows you to visit any participating merchant and wave your VISA card in the air near the cash register to pay your bill. It is designed to make it much easier and more secure for you to walk into a service station or restaurant and pay.

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: 100
GCR Rebate
$100
Initial Rewards
2.99% rate on balance transfers
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 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 reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
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CIBC Select Visa* Card
• Transfer your credit card balance - Get 0% interest for up to 10 months with a 1% transfer fee† and a first year annual fee rebate†

Check full offer details below†

Transfer your credit card balance and get 0% interest for up to 10 months with a 1% transfer fee†

• Transfer up to 50% of your assigned credit limit†

• If you choose to carry a balance and you make your minimum payments on time, a balance transfer could save you money on interest

• Take advantage of this 0% introductory interest rate on balance transfers for your first 10 months. You’ll only have to pay a 1% fee† when you transfer your balance from another card to the CIBC Select Visa Card

• This balance transfer offer is only available at the time of your online application.† Simply tick the checkbox to select the balance transfer option when you’re filling out your application

Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your amount due, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances you transfer by using this offer, new purchases will be subject to the purchase interest rate.

Save on gas with CIBC and Journie Rewards
Link and use your CIBC Select Visa Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

†Conditions apply
Initial Rewards: 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†
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
Get 0% interest for up to 10 months with a 1% transfer fee†
Credit Needed
Good
Cash Back Not Available from GCR. Any offers are strictly from CIBC.
Not available in Quebec.
    GCR Rebate   Initial Rewards   Credit Needed  
 
Tangerine Money-Back Credit Card
  $100   Earn an extra 15% back (up to $150)   Fair  
Earn an extra 15% back (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months.
Rewards Features:

• No annual fee

Apply for a Tangerine Money-Back Credit Card or Tangerine World Mastercard by July 31, 2022. If you’re approved, you’ll earn 10% back on up to $1,000 in everyday purchases made within your first 2 months

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

• 0.5% Money-Back Rewards on all other purchases.

• Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.

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

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

• Change your 2% Money-Back Categories to suit your spending.

• Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.

Additional Card Benefits:

• 2.5% Foreign Conversion Fee

• Free Cards for Authorized Users on your Account

• Purchase Assurance and Extended Warranty1 – For most new purchases made anywhere in the world using your Tangerine Money-Back Credit Card, you may receive a lifetime maximum of up to $60,000 for the following insurance coverage:

⋄ Purchase Assurance, which may automatically cover loss, theft or damage, in excess of other insurance, for 90 days from the date of purchase; and

⋄ Extended Warranty, which may double the period of repair services, to a maximum of one additional year, when the original manufacturer’s warranty expires.

• Add your Tangerine Money-Back Credit Card to the Wallet app on your Apple® device and use Apple Pay pretty much everywhere you love to shop. Look for the Apple Pay or contactless logo. It’s simple and secure. Learn more.

MasterCard® Benefits:

• Accepted worldwide at more than 24 million locations in over 210 countries

• MasterCard Zero Liability

• MasterCard Tap & GoTM

Acquisition Offer Disclaimer:

Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account. Tangerine is a registered trademark of The Bank of Nova Scotia, used under license. Forward Banking is a registered trademark of Tangerine Bank.

®/TM Mastercard and the Mastercard Brand Mark are registered trademarks and tap & go is a trademark of Mastercard International Incorporated.

Applicants will have to consent to a credit check as part of the application process. Accounts must be in Good Standing in order to receive Money-Back Rewards.

Balance Transfers are treated as Cash Advances and interest applies from the transaction date that appears on your monthly statement to the date you repay the balance in full. There is no interest-free grace period on Cash Advances or Balance Transfers.

*Rewards Promotional Offer:
The Tangerine 15% Limited Time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine Money-Back Credit Card (the “Account”) by January 31, 2022, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine Money-Back Credit Card is activated. “Net Purchases” include purchases charged to the Account (less any refunds, returns or other similar credits) but do not include payments, Cash Advances (including Balance Transfers and Cash-Like Transactions), interest, fees,insurance premiums, adjustments or other charges. The Offer Bonus of 10% (up to $100) will be credited to the Primary Cardholder’s Account within 1-2 statement cycles after the 60-day promotional period provided the Account is open and in Good Standing at time of payout. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.


• 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
  $10   2,000 AIR MILES®* Bonus Miles   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 to redeem for $200 towards your purchases with AIR MILES®* Cash.

• Earn 1 Mile for every $5 in Card purchases, up to $30,000 annually, on eligible food & drinks, (such as eligible restaurants, coffee shops and stand-alone grocery stores), and eligible gas & transit (such as local commuter transportation including ridesharing services and taxi) in Canada.

• Earn 1 Mile for every $10 in Card purchases everywhere else.

• American Express® AIR MILES®* Platinum Credit Card Cardmembers can take advantage of the Annual Travel Redemption Benefit. Once per calendar year, when an eligible Cardmember uses Dream Miles with the AIR MILES Reward Program to book their first single flight or package vacation through airmiles.ca or vacations.airmiles.ca, they can get Bonus Miles equivalent to 25% of the net number of Miles used (up to a maximum of 750 Bonus Miles).

• Shop at participating AIR MILES®* Partners®* across Canada with your Card and show your AIR MILES®* Card, and you can earn Miles twice

• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Bonus Miles awarded as part of this benefit will be posted to the Collector Account linked to the American Express® AIR MILES®* Platinum Credit Card account in accordance with the AIR MILES balance preference set at the time the Bonus Miles are awarded. Bonus Miles will be posted to the Collector Account within 60-120 days of eligible redemption. Subject to change at any time.

• 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 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   12.99% on purchases   Good  
Standard Annual Interest Rates of 12.99% on purchases, 12.99% on balance transfers✪and access cheques, and 24.99% on cash advances
***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.

Note : This offer is not available for residents of Quebec.

• No annual fee

• Standard Annual Interest Rates of 12.99% on purchases, 12.99% on balance transfers✪and access cheques, and 24.99% on cash advances

• You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening

• Around-the-clock fraud protection

• Use available credit on your credit card to transfer funds right to your chequing account.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link.

† Promotional Rates:
Balance Transfers: 0.00%
This Promotional Rate applies to any balance transfers made within 90 day(s) of your account opening (each, an "eligible transaction") and will remain in effect for 12 Statement Periods from the transaction date of each eligible transaction. The Promotional Rate will increase and the remaining balance of the eligible transaction will become subject to the Standard Rate for balance transfers either: (1) on the first day of the first Statement Period that occurs after the expiry of the Promotional Rate; or (2) on the first day of the second Statement Period following any late Minimum Payment. Other conditions apply. Offer may be changed, extended or withdrawn at any time, without notice.
Standard Rates:
Purchases: 12.99%
Balance transfers and access cheques: 12.99%
Cash advances: 24.99%

Default Rates:
If your Minimum Payment is late twice within any [12] consecutive Statement Periods (the "change event"), the Standard Rate(s) that apply to your account at that time will increase to the following new Standard Rate(s):
Purchases: 19.99%
Balance transfers and access cheques: 21.99%
Cash advances: 24.99%

The new Standard Rate(s) will apply on the first day of the second Statement Period following the change event. If you then pay each Minimum Payment on time for [12] consecutive Statement Periods ("cure period"), the new Standard Rate(s) will decrease to the Standard Rate(s) that applied on your account at the time of the change event. Such rates will apply on the first day of the first Statement Period that occurs after the cure period.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

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


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 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
  $20   4% cash back   Good  
4% cash back on 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 $0
Additional Card Fee $0
Cash Advance Rate 21.99%*
Late Fee N/A


FEATURES
• New SimplyCash™ from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership

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

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

• Access virtual events and special offers curated for Cardmembers with American Express® Experiences

• Insurance coverage and 24/7 Customer Service

• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply


• 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 SimplyCash Card from American Express 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
  $40   10% cash back   Good  
Earn 10% cash back on all eligible purchases for the first 4 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 SimplyCash™ Preferred Card from American Express Cardmembers can earn 10% cash back on all eligible purchases (up to $400 cash back) for the first 4 months of Cardmembership

• Earn 2.0% cash back when your Welcome Rate ends

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

• Access to memorable experiences with American Express Invites®

• Extensive insurance coverage and 24/7 Customer Service

• Annual Fee : $99

• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

Conditions apply

• 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 SimplyCash Preferred 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
  $100   0.99% for balance transfers   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 (12.99% after that; annual fee $29)¹

• Save up to hundreds of dollars in interest a year

• Low 12.99% interest rate

• Convenient with Visa payWave*simply wave your card and go!²

• Pay down higher interest rates balances faster

• Transfer higher rate balances and save even more

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

Offer Description and Conditions: The Introductory 0.99% Balance Transfer Rate Offer (the “Offer”) applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below . This introductory rate applies when the new Scotiabank Value Visa credit card account (“Account”) is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank account. After the Promotional Period, the 0.99% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 12.99%). There is no balance transfer fee on balances transferred during the Promotional Period. If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances). Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.

Offer may be changed, cancelled or extended and cannot be combined with any other offers.

Payment Allocation: In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Rates and Fees: The current annual fee is $29 for the primary card and $0 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 12.99% on purchases and 12.99% on Cash Advances. All rates, fees, features and benefits are subject to change.


*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

• 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 reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
 
MBNA True Line® Gold Mastercard® credit card
  $40   8.99% on purchases   Good  
Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪and access cheques, and 24.99% on cash advances
***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.

Note : This offer is not available for residents of Quebec.

• $39 annual fee

• Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪and access cheques, and 24.99% on cash advances

• Around-the-clock-fraud protection

• Access to 24/7 customer service

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply" link.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

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


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
  $100   2.99% rate on balance transfers   Good  
2.99% introductory interest rate on balance transfers for the first 6 months*
Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $39)1

• Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.¹

• 1% cash back on all other eligible everyday purchases

* Visit the application page for further details


1 Offer Description and Conditions: The Introductory 2.99% Interest Rate Offer (the “Offer”) applies only to eligible purchases and cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). After the Promotional Period, purchase balances at the promotional rate of 2.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 19.99%) and the promotional 2.99% interest rate on any 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 ate 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 25.99% on purchases and 27.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions)). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include interest, fees or other charges. This Offer is subject to any available limit for Cash Advances 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. There is no balance transfer fee on balances transferred during the Promotional Period.

Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card 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: The current annual fee is $39 for the primary card and $15 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances. All rates, fees, features and benefits are subject to change.



*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

One card that is becoming quite popular throughout Canada is the Scotia Momentum VISA card. The Momentum VISA card was created with the thought that some people might prefer getting cash back instead of receiving rewards or points for using it. Like having an extra savings account, the money that you save accrues on your monthly credit card statements for one year. At the end of that 12 month period, the money will either be deposited into your Scotiabank bank account, or it will show up as a credit on your VISA statement.

There are three main categories of businesses that will provide you with 2% cash back on your purchases: grocery stores, service stations, and drug stores. Almost every grocery store chain in Canada participate. It is a similar situation with service stations and drugstores. If you are unsure if your retailer is a participant, you can visit the Scotiabank website and download a comprehensive list.

If you want to, you can arrange to make recurring payments with your Visa card through participating retailers. This means that you should be able to pay your cable, gas, phone, and other utility bills using your card and more importantly, your code. Because of that, you will be able to receive 2% credited back to you on most of your monthly purchases.

By using a Scotia Momentum VISA card, you automatically qualify for a 20% discount on any car rental through Avis. You do not have to rent from Avis in Canada for this discount to be applicable. You can also take advantage of some technology that Scotia built into the Momentum VISA card called payWave. PayWave allows you to visit any participating merchant and wave your VISA card in the air near the cash register to pay your bill. It is designed to make it much easier and more secure for you to walk into a service station or restaurant and pay.


• 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 reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
 
CIBC Select Visa* Card
  $0   Get 0% interest for up to 10 months with a 1% transfer fee†   Good  
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†
• Transfer your credit card balance - Get 0% interest for up to 10 months with a 1% transfer fee† and a first year annual fee rebate†

Check full offer details below†

Transfer your credit card balance and get 0% interest for up to 10 months with a 1% transfer fee†

• Transfer up to 50% of your assigned credit limit†

• If you choose to carry a balance and you make your minimum payments on time, a balance transfer could save you money on interest

• Take advantage of this 0% introductory interest rate on balance transfers for your first 10 months. You’ll only have to pay a 1% fee† when you transfer your balance from another card to the CIBC Select Visa Card

• This balance transfer offer is only available at the time of your online application.† Simply tick the checkbox to select the balance transfer option when you’re filling out your application

Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your amount due, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances you transfer by using this offer, new purchases will be subject to the purchase interest rate.

Save on gas with CIBC and Journie Rewards
Link and use your CIBC Select Visa Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

†Conditions apply

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


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