Credit Card Coach

Filter : Cash Back 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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Scotia Momentum® VISA* Infinite card
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1

No annual fee in the first year, including on supplementary cards.1

Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (20.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $120)1


• The cash back card with the most awards in 2021.◊

• Comprehensive Travel Insurance and New Mobile Device Insurance.⁷

• No annual fee in the first year, including on supplementary cards.¹

• Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.²

• Earn 2% for every $1 you spend on gas purchases and daily transit purchases.⁴

• Earn 1% cash back on all other purchases with no cash back limit.⁵

1 Offer Description and Conditions: The 10% Cash Back, First Year Annual Fee Waiver and Introductory 2.99% Rate Offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite credit card accounts (“Accounts”) that are opened, and any supplementary Account cards issued, by July 01, 2022 subject to the conditions below. We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

10% Cash Back Offer Description and Conditions: You will earn 10% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum Visa Infinite Cash Back Program Terms and Conditions (the “Program Terms”). The 10% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”.

Cash back earned under this Offer will be credited to your Account in 2 instalments so long as your Account is open and in good standing at time of payout of each:

1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; and

2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 4% then the Cash Back Bonus Rate will be 6% for that category so that you will earn a total of 10% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be credited to your Account as follows:

(1) the Cash Back Bonus earnings of $120 (6% x $2,000) (which will not be tracked on your monthly statements), will be credited to your Account within 7 months from the Account open date, and (2) the Regular Cash Back earnings of $80 (4% x $2,000) (which will be tracked on your monthly statements), will be credited to your Account as per the regular cash back payment schedule (i.e., November).

Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only.

Introductory 2.99% Offer Description and Conditions: The Introductory 2.99% Rate Offer (the “Rate Offer”) applies only to purchases, 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 20.99%) 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 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 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 Rate Offer is subject to any available limit for Cash Advances on your Account. This Rate 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.

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 $120 for the primary card and $50 for each additional supplementary card. The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.

Initial Rewards: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1
On Going Rewards 1st: 4% for every $1 you spend on grocery store purchases, recurring bill payments.
On Going Rewards 2nd: 2% for every $1 you spend on gas purchases and daily transit purchases.
GCR Rebate: 125
GCR Rebate
$125
Initial Rewards
Earn 10% cash back on all purchases for the first 3 months
Credit Needed
Excellent
• 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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Tangerine World Mastercard®
World Benefits:

• 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.

Plus the following:

Rental Car Collision/Loss Damage Insurance**: Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card.

Mobile Device Insurance**: Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure.

Mastercard® Airport Experiences Provided by LoungeKey ***: Make the most of your travel with Mastercard® Airport Experiences Provided by LoungeKey. Your complimentary membership gives you exclusive dining, retail and spa offers in over 400 airports worldwide, along with access to over 1000 lounges at $32 USD per visit. Learn more at airport.mastercard.com.

For more information on insurance details, please see this link.

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

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

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

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

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

Initial Rewards: Earn an extra 10% back* (up to $100) 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 10% back* (up to $100)
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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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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NEO Credit Card
A credit card that rewards your lifestyle

• Earn an average 5%+¹ cashback at thousands of partners and at least 1%² cashback guaranteed.

• No annual fees, no overlimit fees and unlimited transactions.

• Sign up in 3 minutes - and if approved, you can use your Neo credit card instantly via Apple Play or Google Pay.

• Upgrade with a monthly plan to our Plus or Max plan and earn up to 50% more at merchant partners.³ You’re never locked into an annual fee and can switch plans anytime.

• View the rewards offered near you by downloading the Neo app, and cash out your rewards 24/7 - no minimum thresholds.

Terms and Conditions

Cards issued by ATB Financial pursuant to license by Mastercard International Inc. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc..

¹Average based on current offers. Cashback varies per offer and partner.

²Top-up is limited to $5,000 of spending per month at non-partners.

³Value increase is an average and depends on card use.

Apple Pay is a trademark of Apple Inc.

Google Pay is a trademark of Google LLC.
Initial Rewards: Sign up in 3 minutes - and if approved, you can use your Neo credit card instantly via Apple Play or Google Pay.
On Going Rewards 1st: Earn an average 5%+¹ cashback at thousands of partners and at least 1%² cashback guaranteed.
On Going Rewards 2nd: No annual fees, no overlimit fees and unlimited transactions.
GCR Rebate: 45
GCR Rebate
$45
Initial Rewards
Sign up in 3 minutes
Credit Needed
Good
* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo

• 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 Smart Cash Platinum Plus® Mastercard®
***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. For residents of Quebec, please click here.

Accelerate cash back on common purchases!

• No annual fee

• Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)

• Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)

• Get 0.5% Cash Back‡ for all other eligible purchases

• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances

Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for the Smart Cash® credit card.

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

‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. MBNA Dollars will be awarded on eligible transactions charged to your account. There is a monthly spend cap of $500 on the earn rate for eligible gas and grocery purchases. Once the monthly spend cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of MBNA Dollars, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt.

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. For the first six (6) months after the account is opened (the “Bonus Period“), eligible gas and grocery purchases will earn 5% in MBNA Dollars until the total gas and grocery purchases in the applicable month reaches $500 (the "Gas and Groceries Monthly Spend Cap"). Once the Gas and Groceries Monthly Spend Cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Please allow 8–10 weeks from the transaction date for bonus MBNA Dollars to be posted to your MBNA Dollars account. Limit one-time bonus MBNA Dollars offer per new account. This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

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

Initial Rewards: Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months
On Going Rewards 1st: Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter
On Going Rewards 2nd: Get 0.5% Cash Back‡ for all other eligible purchases
GCR Rebate: 50
GCR Rebate
$50
Initial Rewards
5% Cash Back††
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® 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 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that)1

• Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).² Plus, get a 1.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).²

• Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.¹

• Earn 0.5% cash back on all other eligible purchases.¹

1 Offer Description and Conditions:> The 5% Cash Back and Introductory 2.99% Interest Rate Offer (the “Offer”) applies only to new Scotia Momentum No-Fee Visa credit card accounts (“Accounts”) that are opened by July 01, 2022 and is subject to the below terms and conditions. All other terms and conditions of the Program Terms continue to apply. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

5% Cash Back Offer Conditions: You will earn 5% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum No-Fee Visa Cash Back Program Terms and Conditions (the “Program Terms”). The 5% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”.

Cash back earned under this Offer will be credited to your Account in 2 instalments so long as your Account is open and in good standing at time of payout of each:

1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; and

2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 1% then the Cash Back Bonus Rate will be 4% for that category so that you will earn a total of 5% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be credited to your Account as follows:

(1) the Cash Back Bonus earnings of $80 (4% x $2,000) (which will not be tracked on your monthly statements), will be credited to your Account within 7 months from the Account open date, and (2) the Regular Cash Back earnings of $20 (1% x $2,000) (which will be tracked on your monthly statements), will be credited to your Account as per the regular cash back payment schedule (i.e., November).

Introductory 2.99% Interest Rate Offer Description and Conditions: The Introductory 2.99% Rate Offer (the “Rate Offer”) applies only to purchases, 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 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 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 Rate Offer is subject to any available limit for Cash Advances on your Account. This Rate 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.

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: There is currently no annual fee for the primary card and no fee for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances. 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: Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)
On Going Rewards 1st: Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.¹
On Going Rewards 2nd: Earn 0.5% cash back on all other eligible purchases.¹
GCR Rebate: 55
GCR Rebate
$55
Initial Rewards
Earn 5% cash back on all purchases
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 Smart Cash® World Mastercard®
***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. For residents of Quebec, please click here.

Accelerate cash back on common purchases!

• Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)

• Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)

• Get 1% Cash Back‡ for all other eligible purchases

• $39 annual fee

• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances

• Your personal annual income must be greater than $60,000, or your household annual income must be $100,000 or greater††††

Take advantage of a card that provides Cash Back on eligible purchases. Apply now for the Smart Cash® World credit card.

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

‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. MBNA Dollars will be awarded on eligible transactions charged to your account. There is a monthly spend cap of $500 on the earn rate for eligible gas and grocery purchases. Once the monthly spend cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of MBNA Dollars, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt.

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. For the first six (6) months after the account is opened (the “Bonus Period“), eligible gas and grocery purchases will earn 5% in MBNA Dollars until the total gas and grocery purchases in the applicable month reaches $500 (the "Gas and Groceries Monthly Spend Cap"). Once the Gas and Groceries Monthly Spend Cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Please allow 8–10 weeks from the transaction date for bonus MBNA Dollars to be posted to your MBNA Dollars account. Limit one-time bonus MBNA Dollars offer per new account. This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

†††† To be eligible for a World Account, your personal annual income must be greater than $60,000, or your household annual income must be $100,000 or greater. Additional account qualification criteria apply as set out in this application.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

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

Initial Rewards: Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months
On Going Rewards 1st: Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter
On Going Rewards 2nd: Get 1% Cash Back‡ for all other eligible purchases
GCR Rebate: 50
GCR Rebate
$50
Initial Rewards
5% Cash Back††
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 Dividend Platinum® Visa* Card
Get a first-year annual fee rebate for you and up to three Authorized Users † and 10% cash back for the first 4 statements on net purchases of up to $2500.†

After that, get 3% cash back on eligible gas and grocery purchases.†


• 2% cash back on eligible transportation, dining purchases and recurring payments†

• 1% cash back on all other purchases†

• Get cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†

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

◊ This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

†Conditions apply
Initial Rewards: 10% cash back for the first 4 statements ($250 cap) & Fee Rebate†
On Going Rewards 1st: 3% cash back on eligible gas and grocery purchases†
On Going Rewards 2nd: 1% cash back on all other purchases†
GCR Rebate: 0
GCR Rebate
NA
Initial Rewards
10% cash back for the first 4 statements ($250 cap) & Fee Rebate†
Credit Needed
Good
Cash Back Not Available from GCR. Any offers are strictly from CIBC.
Not available in Quebec.
-
CIBC Dividend® Visa Infinite* Card
Get a first-year annual fee rebate for you and up to three Authorized Users† and 10% cash back for the first 4 statements on net purchases of up to $2500.†

After that, get 4% cash back on eligible gas and grocery purchases.†


• Get a 10% cash back welcome bonus (up to $250)† for the first 4 statements on total purchases of up to $2,500.†

• 2% cash back on eligible transportation, dining purchases and recurring payments†

• 1% cash back on all other purchases†

• Get cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†

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

◊ This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

†Conditions apply
Initial Rewards: Get a 10% cash back welcome bonus (up to $250)† for the first 4 statements on total purchases of up to $2,500.†
On Going Rewards 1st: 4% cash back on eligible gas and grocery purchases†
On Going Rewards 2nd: 1% cash back on all other purchases†
GCR Rebate: 0
GCR Rebate
NA
Initial Rewards
Get a 10% cash back welcome bonus (up to $250)† for the first 4 statements on total purchases of up to $2,500.†
Credit Needed
Good
Cash Back Not Available from GCR. Any offers are strictly from CIBC.
Not available in Quebec.
-
CIBC Dividend® Visa* Card
Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back).†
After that, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more!†


• 1% cash back on eligible gas, transportation, dining purchases and recurring payments†

• 0.5% cash back on all other purchases†

• Get cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®

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

◊ This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

†Conditions apply
Initial Rewards: Get 5% cash back for the first 4 statements (Up to $100 cash back)†
On Going Rewards 1st: 2% on eligible groceries
On Going Rewards 2nd: 1% cash back on eligible gas, transportation, dining purchases and recurring payments†
GCR Rebate: 0
GCR Rebate
NA
Initial Rewards
Get 5% cash back for the first 4 statements (Up to $100 cash back)†
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.
 
Scotia Momentum® VISA* Infinite card
  $125   Earn 10% cash back on all purchases for the first 3 months   Excellent  
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1

No annual fee in the first year, including on supplementary cards.1

Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (20.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $120)1


• The cash back card with the most awards in 2021.◊

• Comprehensive Travel Insurance and New Mobile Device Insurance.⁷

• No annual fee in the first year, including on supplementary cards.¹

• Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.²

• Earn 2% for every $1 you spend on gas purchases and daily transit purchases.⁴

• Earn 1% cash back on all other purchases with no cash back limit.⁵

1 Offer Description and Conditions: The 10% Cash Back, First Year Annual Fee Waiver and Introductory 2.99% Rate Offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite credit card accounts (“Accounts”) that are opened, and any supplementary Account cards issued, by July 01, 2022 subject to the conditions below. We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

10% Cash Back Offer Description and Conditions: You will earn 10% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum Visa Infinite Cash Back Program Terms and Conditions (the “Program Terms”). The 10% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”.

Cash back earned under this Offer will be credited to your Account in 2 instalments so long as your Account is open and in good standing at time of payout of each:

1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; and

2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.

EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 4% then the Cash Back Bonus Rate will be 6% for that category so that you will earn a total of 10% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be credited to your Account as follows:

(1) the Cash Back Bonus earnings of $120 (6% x $2,000) (which will not be tracked on your monthly statements), will be credited to your Account within 7 months from the Account open date, and (2) the Regular Cash Back earnings of $80 (4% x $2,000) (which will be tracked on your monthly statements), will be credited to your Account as per the regular cash back payment schedule (i.e., November).

Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only.

Introductory 2.99% Offer Description and Conditions: The Introductory 2.99% Rate Offer (the “Rate Offer”) applies only to purchases, 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 20.99%) 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 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 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 Rate Offer is subject to any available limit for Cash Advances on your Account. This Rate 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.

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 $120 for the primary card and $50 for each additional supplementary card. The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.


• 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.
 
Tangerine World Mastercard®
  $100   Earn an extra 10% back* (up to $100)   Fair  
Earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months
World Benefits:

• 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.

Plus the following:

Rental Car Collision/Loss Damage Insurance**: Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card.

Mobile Device Insurance**: Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure.

Mastercard® Airport Experiences Provided by LoungeKey ***: Make the most of your travel with Mastercard® Airport Experiences Provided by LoungeKey. Your complimentary membership gives you exclusive dining, retail and spa offers in over 400 airports worldwide, along with access to over 1000 lounges at $32 USD per visit. Learn more at airport.mastercard.com.

For more information on insurance details, please see this link.

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

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

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

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

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


• 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.
 
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.
 
NEO Credit Card
  $45   Sign up in 3 minutes   Good  
Sign up in 3 minutes - and if approved, you can use your Neo credit card instantly via Apple Play or Google Pay.
A credit card that rewards your lifestyle

• Earn an average 5%+¹ cashback at thousands of partners and at least 1%² cashback guaranteed.

• No annual fees, no overlimit fees and unlimited transactions.

• Sign up in 3 minutes - and if approved, you can use your Neo credit card instantly via Apple Play or Google Pay.

• Upgrade with a monthly plan to our Plus or Max plan and earn up to 50% more at merchant partners.³ You’re never locked into an annual fee and can switch plans anytime.

• View the rewards offered near you by downloading the Neo app, and cash out your rewards 24/7 - no minimum thresholds.

Terms and Conditions

Cards issued by ATB Financial pursuant to license by Mastercard International Inc. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc..

¹Average based on current offers. Cashback varies per offer and partner.

²Top-up is limited to $5,000 of spending per month at non-partners.

³Value increase is an average and depends on card use.

Apple Pay is a trademark of Apple Inc.

Google Pay is a trademark of Google LLC.

* Cash back from GCR is ineligible if combined with a different bonus offer or promo code upon sign up with Neo

• 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 Smart Cash Platinum Plus® Mastercard®
  $50   5% Cash Back††   Good  
Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months
***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. For residents of Quebec, please click here.

Accelerate cash back on common purchases!

• No annual fee

• Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)

• Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)

• Get 0.5% Cash Back‡ for all other eligible purchases

• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances

Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for the Smart Cash® credit card.

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

‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. MBNA Dollars will be awarded on eligible transactions charged to your account. There is a monthly spend cap of $500 on the earn rate for eligible gas and grocery purchases. Once the monthly spend cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of MBNA Dollars, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt.

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. For the first six (6) months after the account is opened (the “Bonus Period“), eligible gas and grocery purchases will earn 5% in MBNA Dollars until the total gas and grocery purchases in the applicable month reaches $500 (the "Gas and Groceries Monthly Spend Cap"). Once the Gas and Groceries Monthly Spend Cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Please allow 8–10 weeks from the transaction date for bonus MBNA Dollars to be posted to your MBNA Dollars account. Limit one-time bonus MBNA Dollars offer per new account. This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

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


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® No-Fee VISA card
  $55   Earn 5% cash back on all purchases   Good  
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).Plus, get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that)1

• Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).² Plus, get a 1.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).²

• Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.¹

• Earn 0.5% cash back on all other eligible purchases.¹

1 Offer Description and Conditions:> The 5% Cash Back and Introductory 2.99% Interest Rate Offer (the “Offer”) applies only to new Scotia Momentum No-Fee Visa credit card accounts (“Accounts”) that are opened by July 01, 2022 and is subject to the below terms and conditions. All other terms and conditions of the Program Terms continue to apply. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

5% Cash Back Offer Conditions: You will earn 5% cash back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular cash back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Scotia Momentum No-Fee Visa Cash Back Program Terms and Conditions (the “Program Terms”). The 5% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”.

Cash back earned under this Offer will be credited to your Account in 2 instalments so long as your Account is open and in good standing at time of payout of each:

1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within 7 months from the Account open date; and

2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program Terms. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 1% then the Cash Back Bonus Rate will be 4% for that category so that you will earn a total of 5% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be credited to your Account as follows:

(1) the Cash Back Bonus earnings of $80 (4% x $2,000) (which will not be tracked on your monthly statements), will be credited to your Account within 7 months from the Account open date, and (2) the Regular Cash Back earnings of $20 (1% x $2,000) (which will be tracked on your monthly statements), will be credited to your Account as per the regular cash back payment schedule (i.e., November).

Introductory 2.99% Interest Rate Offer Description and Conditions: The Introductory 2.99% Rate Offer (the “Rate Offer”) applies only to purchases, 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 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 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 Rate Offer is subject to any available limit for Cash Advances on your Account. This Rate 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.

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: There is currently no annual fee for the primary card and no fee for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances. 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 Smart Cash® World Mastercard®
  $50   5% Cash Back††   Good  
Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months
***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. For residents of Quebec, please click here.

Accelerate cash back on common purchases!

• Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)

• Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)

• Get 1% Cash Back‡ for all other eligible purchases

• $39 annual fee

• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances

• Your personal annual income must be greater than $60,000, or your household annual income must be $100,000 or greater††††

Take advantage of a card that provides Cash Back on eligible purchases. Apply now for the Smart Cash® World credit card.

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

‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. MBNA Dollars will be awarded on eligible transactions charged to your account. There is a monthly spend cap of $500 on the earn rate for eligible gas and grocery purchases. Once the monthly spend cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of MBNA Dollars, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt.

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. For the first six (6) months after the account is opened (the “Bonus Period“), eligible gas and grocery purchases will earn 5% in MBNA Dollars until the total gas and grocery purchases in the applicable month reaches $500 (the "Gas and Groceries Monthly Spend Cap"). Once the Gas and Groceries Monthly Spend Cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Please allow 8–10 weeks from the transaction date for bonus MBNA Dollars to be posted to your MBNA Dollars account. Limit one-time bonus MBNA Dollars offer per new account. This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

†††† To be eligible for a World Account, your personal annual income must be greater than $60,000, or your household annual income must be $100,000 or greater. Additional account qualification criteria apply as set out in this application.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

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


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 Dividend Platinum® Visa* Card
  $0   10% cash back for the first 4 statements ($250 cap) & Fee Rebate†   Good  
10% cash back for the first 4 statements ($250 cap) & Fee Rebate†
Get a first-year annual fee rebate for you and up to three Authorized Users † and 10% cash back for the first 4 statements on net purchases of up to $2500.†

After that, get 3% cash back on eligible gas and grocery purchases.†


• 2% cash back on eligible transportation, dining purchases and recurring payments†

• 1% cash back on all other purchases†

• Get cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†

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

◊ This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

†Conditions apply

Cash Back Not Available from GCR. Any offers are strictly from CIBC.
Not available in Quebec.
 
CIBC Dividend® Visa Infinite* Card
  $0   Get a 10% cash back welcome bonus (up to $250)† for the first 4 statements on total purchases of up to $2,500.†   Good  
Get a 10% cash back welcome bonus (up to $250)† for the first 4 statements on total purchases of up to $2,500.†
Get a first-year annual fee rebate for you and up to three Authorized Users† and 10% cash back for the first 4 statements on net purchases of up to $2500.†

After that, get 4% cash back on eligible gas and grocery purchases.†


• Get a 10% cash back welcome bonus (up to $250)† for the first 4 statements on total purchases of up to $2,500.†

• 2% cash back on eligible transportation, dining purchases and recurring payments†

• 1% cash back on all other purchases†

• Get cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†

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

◊ This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

†Conditions apply

Cash Back Not Available from GCR. Any offers are strictly from CIBC.
Not available in Quebec.
 
CIBC Dividend® Visa* Card
  $0   Get 5% cash back for the first 4 statements (Up to $100 cash back)†   Good  
Get 5% cash back for the first 4 statements (Up to $100 cash back)†
Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back).†
After that, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more!†


• 1% cash back on eligible gas, transportation, dining purchases and recurring payments†

• 0.5% cash back on all other purchases†

• Get cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®

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

◊ This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

†Conditions apply

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


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