 |
 |
Credit Card Comparison Table | |
| Credit Card Comparison | News | FAQ |
|
 |
Tangerine® Money-Back World Mastercard®* |
| GCR Rebate $150 |
Initial Rewards Get $120 with a Money-Back World Mastercard®* |
Credit Needed NA |
 |
Tangerine Money-Back Credit Card |
| GCR Rebate $150 |
Initial Rewards Earn an extra 10% back |
Credit Needed Fair |
 |
Scotiabank Value® VISA* Card |
| GCR Rebate $70 |
Initial Rewards 0.99 % introductory interest rate on balance transfers |
Credit Needed Good |
 |
Scotia Momentum® No-Fee Visa* Card |
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
Plus, get a 0% introductory interest rate on Balance Transfers for the first 6 months.| GCR Rebate $50 |
Initial Rewards 5% cash back |
Credit Needed Good |
 |
MBNA True Line® Gold Mastercard® |
| GCR Rebate $50 |
Initial Rewards Low 10.99% Interest Rate |
Credit Needed Good |
 |
Scotia Momentum® Visa* Card |
| GCR Rebate $60 |
Initial Rewards 2.99% introductory interest rate |
Credit Needed Good |
 |
RBC® Visa‡ Classic Low Rate Option |
| GCR Rebate $0 |
Initial Rewards 0.99% introductory interest rate & no annual fee for the first year |
Credit Needed NA |
 |
CIBC Select Visa* Card |
| GCR Rebate $0 |
Initial Rewards Get 0% interest for up to 10 months |
Credit Needed Good |
| |||||
| |||||
| Get $120 when you spend $1,500 in your first 3 months | |||||
|
|
Get $120 with a Money-Back World Mastercard®* Spend $1,500 in your first 3 months to enjoy this Bonus. It’s the no annual fee Credit Card with the most cash back categories to choose from.* Offer Expires January 30, 2026 FEATURES Unlimited cash back and flexibility Two Categories 2% Money-Back Rewards on purchases in two categories of your choice. OR Three categories Deposit your Rewards into a Tangerine Savings Account and get a third 2% Money-Back category. 13 Categories to explore Groceries, gas, and beyond, choose from 13 categories to suit your spending. And change them up every 90 days to match your purchases.*
Plus the following: Rental Car Collision/Loss Damage Insurance** Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card. Mobile Device Insurance** Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure. Mastercard® Travel Pass Provided By DragonPass*** Make the most of your travel with Mastercard® Travel Pass Provided by DragonPass. Your complimentary membership gives you exclusive dining, retail and spa offers in over 650 airports worldwide, along with access to over 1,300 airport lounges at $32 USD per visit. Learn more at mastercardtravelpass.dragonpass.com Scoring a $120 Bonus is easy 1. Apply in minutes – Apply on our Mobile Banking app or online. Be sure to activate your Card within 45 days of approval. 2. Earn $120, just for spending on your everyday essentials – Spend $1,500 in your first 3 months to enjoy this Bonus. Get this Bonus on top of your usual unlimited 2% cash back in up to 3 customizable categories + 0.5% back on everything else. Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Forward Banking is a registered trademark of Tangerine Bank. ®/TM Mastercard and the Mastercard Brand Mark are registered trademarks and tap & go is a trademark of Mastercard International Incorporated. *Rewards Promotional Offer: The Tangerine $120 Money-Back Rewards Limited-time Promotional Offer (the “Offer”) is only available to new Tangerine Money-Back World Mastercard Account holders who (i) apply for a Tangerine Money-Back World Mastercard (the “Account”) by January 30, 2026, (ii) activate their Account within 45 days of approval, and (iii) have at least $1,500 in total Net Purchases posted to their Account within the 90-day promotional period beginning on the date the Tangerine Money-Back World Mastercard is activated. “Net Purchases” include purchases charged to the Account (less any refunds, returns or other similar credits) but do not include payments, Cash Advances (including Balance Transfers and Cash-Like Transactions), interest, fees, insurance premiums, adjustments or other charges. The Offer Bonus of $120 Money-Back Rewards will be credited to the Primary Cardholder’s Account within approximately 1–2 statement cycles after the 90-day promotional period provided the Account is open and in Good Standing at time of payout. Your Account is in Good Standing if it is not more than one (1) monthly statement period past due and is not closed, charged off, or in credit revoked status, all according to our credit risk policies that may change from time to time. If a Client does not meet the minimum Net Purchases dollar amount required within the promotional period, they will not receive any cashback under this Offer. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms. *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. |
| |||||
| |||||
| Earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 12 months. | |||||
|
|
More Rewards to brighten your day: apply for the Tangerine Money-Back Credit Card by January 30, 2026 and earn an extra 10% cash back (up to $100) when you spend $1,000 within your first 2 months.* That’s on top of earning 2% Money-Back Rewards in up to 3 Categories* of your choice, like gas, groceries and home improvement.* Conditions apply. Transfer and save Feel your stress melt away with a low promotional interest rate on transferred credit card balances. Transfer your balance from another credit card to a Tangerine Money-Back Credit Card and pay an interest rate of only 1.95% on the transferred balance for the first 6 months (22.95% after that.) A Balance Transfer Fee of 1% on the amount transferred will apply. Conditions apply.† FEATURES
Additional Card Benefits:
MasterCard® Benefits:
Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Forward Banking is a registered trademark of Tangerine Bank. ®/TM Mastercard and the Mastercard Brand Mark are registered trademarks and tap & go is a trademark of Mastercard International Incorporated. *Rewards Promotional Offer: The Tangerine 10% Limited-time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine Money-Back Credit Card (the “Account”) by January 30, 2026, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine Credit Card is activated. “Net Purchases” include purchases charged to the Account (less any refunds, returns or other similar credits) but do not include payments, Cash Advances (including Balance Transfers and Cash-Like Transactions), interest, fees, insurance premiums, adjustments or other charges. The Offer Bonus of 10% (up to $100) will be credited to the Primary Cardholder’s Account within 1–2 statement cycles after the 60-day promotional period provided the Account is open and in Good Standing at time of payout. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms. †Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee). Please visit Tangerine to view complete Terms and Conditions. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. |
| |||||
| |||||
| 0.99 % introductory interest rate on balance transfers for the first 9 months. Plus no annual fee in the first year! | |||||
|
|
0.99 % introductory interest rate on balance transfers for the first 9 months (2% fee per cash advance, 13.99% after that; annual fee $29).*
Plus no annual fee in the first year.* Offer valid October 31, 2025 - October 31, 2026. FEATURES
Rates, fees and other information are effective as of October 31, 2025. Subject to change. *Offer Description and Conditions: The Introductory 0.99% Balance Transfer Rate and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank Value Visa credit card accounts (“Accounts”) that are opened by subject to the conditions below. We will waive the annual fee for the primary card opened between October 31, 2025 - October 31, 2026 on the Account for the first year only. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer. * See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information. |
| |||||
| |||||
| Earn 5% cash back for 3 months plus get a 0% introductory interest rate on balance transfers for the first 6 months. | |||||
|
|
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 0% introductory interest rate on Balance Transfers for the first 6 months.(2% fee per cash advance, 22.99% after that; annual fee $0) Offer valid October 31, 2025 - March 1, 2026. FEATURES
Rates, fees, offers and other information are effective as of October 31, 2025. Subject to change. Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer. * See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information. |
| |||||
| |||||
| Standard Annual Interest Rates of 10.99% on purchases, 13.99% on balance transfers✪ and access cheques, and 24.99% on cash advances | |||||
|
|
Low 10.99% standard interest rate on purchases
FEATURES
✪ Terms and Conditions apply. This offer is not available for residents of Quebec. Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button. The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank. |
| |||||
| |||||
| Get a 2.99% introductory interest rate on on purchases and balance transfers for the first 6 months. | |||||
|
|
Get a 2.99% introductory interest rate on on purchases and balance transfers for the first 6 months. (22.99% after that; annual fee $39)*
Offer valid October 31, 2025 - October 31, 2026. FEATURES
Rates, fees, offers and other information are effective as of October 31, 2025. Subject to change. Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer. * See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information. |
| |||||
| |||||
| Enjoy a 0.99% introductory interest rate for the first 10 months on balance transfers^ and no annual fee for the first year. | |||||
|
|
Enjoy a 0.99% introductory interest rate for the first 10 months on balance transfers^ and no annual fee for the first year*. Apply by March 25, 2026. FEATURES
Refer to RBC page for up to date offer terms and conditions. Legal references and product terms are available on the RBC website where the client will be directed during the onboarding process to review and agree to them. ^ In order to benefit from the 0.99% introductory interest rate on cash advances for 10 months, your application must be submitted via online RBC channels by March 25, 2026 and approved by us. This offer only applies to new applications for an RBC Visa Classic Low Rate Option credit card received between November 26, 2025 and March 25, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Visa Classic Low Rate Option credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC Visa Classic Low Rate Option credit card during the Offer Period, are not eligible for this offer. Please note this offer is only available online and for approved applications that are submitted via online RBC channels. The introductory interest rate offer is applicable to all cash advances (i.e. cash withdrawals from a bank branch or ATM with your RBC Royal Bank credit card, balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set-up with a merchant). All other account activities, including purchases, are subject to the standard account annual interest rate(s) as shown in the Information Box. Interest is charged from the day the cash advance is made, until we receive your payment for the total amount you owe. The introductory interest rate on cash advances remains in effect through the first 10 full monthly statement periods (approximately 10 months from account open date). The Interest Rate Chart on your monthly statement will indicate the date on which the introductory interest rate expires, as long as you have a remaining balance associated with your introductory interest rate. If we do not process statements on the expiry date (for example, if it falls on a holiday or weekend), you will continue to benefit from that introductory interest rate until your statement is prepared, the next processing day. Once the offer expires: (i) all cash advances; and (ii) any remaining balances, which were subject to the introductory interest rate under this offer, will be subject to the cash advances interest rate indicated on your monthly statement. In general, if your credit card account consists of balances with different interest rates, such as purchases at the standard interest rate and cash advances at an introductory or promotional interest rate (e.g. a special lower rate balance transfer, or a temporary lower rate on all cash advances), any payment that exceeds the minimum payment due will be allocated to those balances in a proportionate manner. Your payment will not be applied to the balance(s) of your choice, such as the balance(s) with the highest interest rate, or to any category of balance(s) following a specific order. Please see the RBC Royal Bank Credit Card Agreement for details on how we allocate your payments. . If you miss making any minimum payment by the payment due date and if you have not paid it before the date we prepare your next monthly statement, and/or if you change your actual RBC Royal Bank credit card for another type of card before the expiration of the offer, you will lose the benefit of this and any other introductory or promotional interest rate offer(s) in which you are participating and any remaining balance(s) which were subject to the introductory or other promotional annual interest rate under an offer(s) will be subject to the annual interest rate(s) indicated on your monthly statement, beginning on the first day of the third statement period after the missed payment. Cash advances do not qualify for Avion® points, partner rewards or cash back credits if your credit card is a type that earns rewards. Balance transfers cannot be used to pay any RBC Royal Bank credit card account or used for pre-authorized payments. Please call customer service at 1-800 ROYAL 1-2 (1-800-769-2512) for up-to-date information on your credit card account. Your RBC Royal Bank Credit Card Agreement explains the terms under which you use your RBC Royal Bank credit card. Please refer to it for full details. * To be exempt from the RBC Visa Classic Low-Rate Option annual fee for one year, your application must be received by March 25, 2026, and approved by us. Additional cardholders (co-applicant and authorized user(s)), existing RBC Visa Classic Low-Rate Option cardholders, as well as existing cardholders of any RBC personal credit cards, applying for or transferring to an RBC Visa Classic Low-Rate Option, as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. This post contains affiliate links. GCR may engage in affiliate marketing, which is done by embedding tracking links into greatcanadianrebates.ca. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track sales for commission purposes. |
| |||||
| |||||
| Get 0% interest for up to 10 months with a 1% transfer fee and a two year annual fee rebate. | |||||
|
|
Transfer your credit card balance of $100 or more - Get 0% interest for up to 10 months with a 1% transfer fee† (BT fee does not apply for Quebec residents) and a two year annual fee rebate.†
FEATURES
This balance transfer offer is only available at the time of your online application.† Simply tick the checkbox to select the balance transfer option when you’re filling out your application. Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your amount due, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances you transfer by using this offer, new purchases will be subject to the purchase interest rate. Balance transfers of amounts less than $100 are not eligible for this promotional balance transfer offer and will be subject to the regular interest rate for Cash Advances applicable to your account. Save over $600 with CIBC and Skip Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Select Visa Card with Skip.† Save on gas with CIBC and Journie Rewards Link and use your CIBC Select Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.† †Terms and Conditions Apply. Select Apply Now to learn more. |
