Credit Card Coach

Filter : Low Interest Rate Credit Cards


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MBNA True Line® Mastercard® credit card
***IMPORTANT : To get a rebate, you must fill in the application of this card after you click the above link. You will not get a rebate if you use the MBNA Credit Card Selector Tool.

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

• No annual fee

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

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

• Around-the-clock fraud protection

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

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

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 Offer may be changed, extended or withdrawn at any time, without notice.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

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

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

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

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

Initial Rewards: Standard Annual Interest Rates of 12.99% on purchases, 12.99% on balance transfers✪and access cheques, and 24.99% on cash advances
On Going Rewards 1st: Standard Annual Interest Rates of 12.99% on purchases, 12.99% on balance transfers✪
On Going Rewards 2nd: 24.99% on cash advances
GCR Rebate: 40
GCR Rebate
$40
Initial Rewards
12.99% on purchases
Credit Needed
Good
IMPORTANT : To get a rebate, you must fill in the application of this card after you click the above link. You will not get a rebate if you use the MBNA Credit Card Selector Tool.

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

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

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

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

* See FAQ page and Terms for more details.
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National Bank Syncro Mastercard®


• Low interest rate

• Extended warranty*

• Purchase protection in case of theft or damage*

National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index1.
Initial Rewards:
On Going Rewards 1st: Low interest rate
On Going Rewards 2nd: Extended warranty*
GCR Rebate: 35
GCR Rebate
$35
Initial Rewards
NA
Credit Needed
Fair
• 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 3 months to report a missing rebate otherwise the rebate is void.
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Scotia Momentum® No-Fee VISA card
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).Plus, get a 0.00% 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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Scotiabank Value® VISA* card
• 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)¹

• Save up to hundreds of dollars in interest a year

• Low 12.99% interest rate

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

• Pay down higher interest rates balances faster

• Transfer higher rate balances and save even more

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

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

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

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

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

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


*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
Initial Rewards: 0.99% introductory interest rate on balance transfers for the first 6 months*
On Going Rewards 1st: Save hundreds of dollars in interest a year
On Going Rewards 2nd: Low 12.99% interest rate
GCR Rebate: 100
GCR Rebate
$100
Initial Rewards
0.99% for balance transfers
Credit Needed
Good
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
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MBNA True Line® Gold Mastercard® credit card
***IMPORTANT : To get a rebate, you must fill in the application of this card after you click the above link. You will not get a rebate if you use the MBNA Credit Card Selector Tool.

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

• $39 annual fee

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

• Around-the-clock-fraud protection

• Access to 24/7 customer service

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

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

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

Initial Rewards: Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪and access cheques, and 24.99% on cash advances
On Going Rewards 1st: Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪
On Going Rewards 2nd: 24.99% on cash advances
GCR Rebate: 40
GCR Rebate
$40
Initial Rewards
8.99% on purchases
Credit Needed
Good
IMPORTANT : To get a rebate, you must fill in the application of this card after you click the above link. You will not get a rebate if you use the MBNA Credit Card Selector Tool.

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

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

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

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

* See FAQ page and Terms for more details.
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Scotia Momentum® VISA* card
Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $39)1

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

• 1% cash back on all other eligible everyday purchases

* Visit the application page for further details


1 Offer Description and Conditions: The Introductory 2.99% Interest Rate Offer (the “Offer”) applies only to eligible purchases and cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). After the Promotional Period, purchase balances at the promotional rate of 2.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 19.99%) and the promotional 2.99% interest rate on any Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional ate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions)). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include interest, fees or other charges. This Offer is subject to any available limit for Cash Advances on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. There is no balance transfer fee on balances transferred during the Promotional Period.

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

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

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

Rates and Fees: The current annual fee is $39 for the primary card and $15 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances. All rates, fees, features and benefits are subject to change.



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

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

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

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

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

Initial Rewards: 2.99% introductory interest rate on balance transfers for the first 6 months*
On Going Rewards 1st: 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
On Going Rewards 2nd: 1% cash back on all other eligible everyday purchases
GCR Rebate: 100
GCR Rebate
$100
Initial Rewards
2.99% rate on balance transfers
Credit Needed
Good
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate is from GCR and will be posted to your GCR account upon card approval.
• Cash Back not offered on repeat cardholders of the same card.

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
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American Express® Essential™ Card
• Enjoy an annual interest rate of 12.99% on purchases and funds advances

• With an annual interest rate of 12.99%, you can save on interest payments if you choose to carry a balance and make your minimum monthly payments on time

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

• 24/7 Customer Services

• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions apply
Initial Rewards: Enjoy an annual interest rate of 12.99% on purchases and funds advances
On Going Rewards 1st: With an annual interest rate of 12.99%, you can save on interest payments if you choose to carry a balance and make your minimum monthly payments on time
On Going Rewards 2nd: Access virtual events and special offers curated for Cardmembers with American Express® Experiences
GCR Rebate: 20
GCR Rebate
$20
Initial Rewards
Enjoy an annual interest rate of 12.99%
Credit Needed
Good
• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express Essentials Card members
• 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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HSBC +Rewards™ Mastercard®
Earn up to 35,000 points* ($175 travel value) PLUS a full annual fee rebate for the primary cardholder for the first year ($25 value). Must apply by October 31, 2022. Conditions apply.

Get up to $200 in total value* for the first year! Must apply by Oct 31, 2022. Conditions apply.

Earn 2 Points for every $1 spent on eligible dining or entertainment purchases

HSBC's lowest interest rate for purchases, cash advances and balance transfers

Price Protection Service - find a lower price within 60 days of your purchase, the difference will be refunded, up to $500 per eligible item

Primary Cardholder Annual Fee: $25 

Annual Interest on Purchases: 11.9% 

Annual Interest on Cash Advances and Balance Transfers: 11.9% 

Authorized User Annual Fee: $10 Per Card 

*Terms and Conditions apply

®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license

This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer).
Initial Rewards: 2x Rewards on eligible dining and entertainment.
On Going Rewards 1st:
On Going Rewards 2nd: 11.9% our lowest interest rate for purchases, cash advances and balance transfers
GCR Rebate: 100
GCR Rebate
$100
Initial Rewards
Earn 30,000 Points ($150 travel value) when you spend $2,000 in the first 180 days of account opening
Credit Needed
Fair
• Cash Back Rebate will be paid by GreatCanadianRebates following the later of: (a) 90 days after online application approval, and (b) activation of the Card by the Cardholder.
• Cash Back Rebate is provided only for applications that started, and are approved, online
• Cash Back Rebate is for new/first time HSBC Mastercard Card Members only.
• HSBC Bank Canada is not responsible or liable for any aspect of the cash back rebate offer.
• Cash Back Offer may end at any time at the discretion of GreatCanadianRebates.
• Cash Back Offer available to GreatCanadianRebates members only.
• Applicants must apply online through the link provided by GreatCanadianRebates.
• Do not browse or leave application page before it is completed.
• If the application session expires, you must restart your application, beginning by clicking through the link available through GreatCanadianRebates.

• NOTE: you must contact GreatCanadianRebates within 4 months of online application approval to report a missing rebate, otherwise the rebate is void.
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CIBC Select Visa* Card
• Transfer your credit card balance - Get 0% interest for up to 10 months with a 1% transfer fee† and a first year annual fee rebate†

Check full offer details below†

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

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

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

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

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

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

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

†Conditions apply
Initial Rewards: Transfer your credit card balance - Get 0% interest for up to 10 months with a 1% transfer fee† and a first year annual fee rebate†
On Going Rewards 1st: Low interest rate of 13.99% on purchases and cash advances
On Going Rewards 2nd: Ideal for consolidating your balances onto one card
GCR Rebate: 0
GCR Rebate
NA
Initial Rewards
Get 0% interest for up to 10 months with a 1% transfer fee†
Credit Needed
Good
Cash Back Not Available from GCR. Any offers are strictly from CIBC.
Not available in Quebec.
    GCR Rebate   Initial Rewards   Credit Needed  
 
MBNA True Line® Mastercard® credit card
  $40   12.99% on purchases   Good  
Standard Annual Interest Rates of 12.99% on purchases, 12.99% on balance transfers✪and access cheques, and 24.99% on cash advances
***IMPORTANT : To get a rebate, you must fill in the application of this card after you click the above link. You will not get a rebate if you use the MBNA Credit Card Selector Tool.

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

• No annual fee

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

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

• Around-the-clock fraud protection

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

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

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

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

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

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

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


IMPORTANT : To get a rebate, you must fill in the application of this card after you click the above link. You will not get a rebate if you use the MBNA Credit Card Selector Tool.

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

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

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

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

* See FAQ page and Terms for more details.
 
National Bank Syncro Mastercard®
  $35     Fair  


• Low interest rate

• Extended warranty*

• Purchase protection in case of theft or damage*

National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index1.

• 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 3 months to report a missing rebate otherwise the rebate is void.
 
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.
 
Scotiabank Value® VISA* card
  $100   0.99% for balance transfers   Good  
0.99% introductory interest rate on balance transfers for the first 6 months*
• 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)¹

• Save up to hundreds of dollars in interest a year

• Low 12.99% interest rate

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

• Pay down higher interest rates balances faster

• Transfer higher rate balances and save even more

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

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

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

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

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

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


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

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

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
 
MBNA True Line® Gold Mastercard® credit card
  $40   8.99% on purchases   Good  
Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪and access cheques, and 24.99% on cash advances
***IMPORTANT : To get a rebate, you must fill in the application of this card after you click the above link. You will not get a rebate if you use the MBNA Credit Card Selector Tool.

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

• $39 annual fee

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

• Around-the-clock-fraud protection

• Access to 24/7 customer service

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

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

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


IMPORTANT : To get a rebate, you must fill in the application of this card after you click the above link. You will not get a rebate if you use the MBNA Credit Card Selector Tool.

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

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

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

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

* See FAQ page and Terms for more details.
 
Scotia Momentum® VISA* card
  $100   2.99% rate on balance transfers   Good  
2.99% introductory interest rate on balance transfers for the first 6 months*
Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $39)1

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

• 1% cash back on all other eligible everyday purchases

* Visit the application page for further details


1 Offer Description and Conditions: The Introductory 2.99% Interest Rate Offer (the “Offer”) applies only to eligible purchases and cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by July 01, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). After the Promotional Period, purchase balances at the promotional rate of 2.99% (including any unpaid balances) will increase to the preferred interest rate for purchases (currently 19.99%) and the promotional 2.99% interest rate on any Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional ate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 25.99% on purchases and 27.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions)). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include interest, fees or other charges. This Offer is subject to any available limit for Cash Advances on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. There is no balance transfer fee on balances transferred during the Promotional Period.

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

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

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

Rates and Fees: The current annual fee is $39 for the primary card and $15 for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances. All rates, fees, features and benefits are subject to change.



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

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

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

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

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


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

• NOTE: You must reply to GCR within 4 months to report a missing rebate otherwise the rebate is void.
 
American Express® Essential™ Card
  $20   Enjoy an annual interest rate of 12.99%   Good  
Enjoy an annual interest rate of 12.99% on purchases and funds advances
• Enjoy an annual interest rate of 12.99% on purchases and funds advances

• With an annual interest rate of 12.99%, you can save on interest payments if you choose to carry a balance and make your minimum monthly payments on time

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

• 24/7 Customer Services

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

• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express Essentials Card members
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.
 
HSBC +Rewards™ Mastercard®
  $100   Earn 30,000 Points ($150 travel value) when you spend $2,000 in the first 180 days of account opening   Fair  
2x Rewards on eligible dining and entertainment.
Earn up to 35,000 points* ($175 travel value) PLUS a full annual fee rebate for the primary cardholder for the first year ($25 value). Must apply by October 31, 2022. Conditions apply.

Get up to $200 in total value* for the first year! Must apply by Oct 31, 2022. Conditions apply.

Earn 2 Points for every $1 spent on eligible dining or entertainment purchases

HSBC's lowest interest rate for purchases, cash advances and balance transfers

Price Protection Service - find a lower price within 60 days of your purchase, the difference will be refunded, up to $500 per eligible item

Primary Cardholder Annual Fee: $25 

Annual Interest on Purchases: 11.9% 

Annual Interest on Cash Advances and Balance Transfers: 11.9% 

Authorized User Annual Fee: $10 Per Card 

*Terms and Conditions apply

®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license

This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer).

• Cash Back Rebate will be paid by GreatCanadianRebates following the later of: (a) 90 days after online application approval, and (b) activation of the Card by the Cardholder.
• Cash Back Rebate is provided only for applications that started, and are approved, online
• Cash Back Rebate is for new/first time HSBC Mastercard Card Members only.
• HSBC Bank Canada is not responsible or liable for any aspect of the cash back rebate offer.
• Cash Back Offer may end at any time at the discretion of GreatCanadianRebates.
• Cash Back Offer available to GreatCanadianRebates members only.
• Applicants must apply online through the link provided by GreatCanadianRebates.
• Do not browse or leave application page before it is completed.
• If the application session expires, you must restart your application, beginning by clicking through the link available through GreatCanadianRebates.

• NOTE: you must contact GreatCanadianRebates within 4 months of online application approval to report a missing rebate, otherwise the rebate is void.
 
CIBC Select Visa* Card
  $0   Get 0% interest for up to 10 months with a 1% transfer fee†   Good  
Transfer your credit card balance - Get 0% interest for up to 10 months with a 1% transfer fee† and a first year annual fee rebate†
• Transfer your credit card balance - Get 0% interest for up to 10 months with a 1% transfer fee† and a first year annual fee rebate†

Check full offer details below†

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

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

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

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

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

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

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

†Conditions apply

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


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