Credit Cards

Find Canada's Best Credit Card With Rate Genie

WRITTEN BY
Priya Correia
Updated September 17, 2020

Best Credit Cards In Canada 2020

Credit Cards are one of the first credit products consumers will use in their lifetime. While they make for a great introductory product to the credit world, they’re also valuable products that can provide lucrative benefits based on your needs and lifestyle. Whether you’re looking for a lower interest rate, no annual fee, travel rewards, cash back, or to build credit, there is a credit card out there that will meet your needs. 

With the endless choices available to Canadians, choosing a credit card that fits your needs and lifestyle can be overwhelming. As such, we’ve compiled some of the best credit cards out there based on certain categories including travel, business, Aeroplan points, and cash back. Find out which credit card offers the best welcome bonus, rewards and value. 

How Do I Pick the Best Credit Card For Me?

  • Credit Card Category – When choosing a credit card, one of the first things you should figure out is what you want from your credit card. Do you want to build credit? Do you want cash back? Do you want point flexibility, so that you can choose how to use your points? Once you get a broader understanding of what kind of credit card you want, you can hone in on the details. 
  • Annual Fee – Do the benefits outweigh the cost of your card? If you have an annual fee of $200 with a cash back rate of 1% to 2%, how much money will you have to spend before your benefits cover your costs? In this example, you’d have to spend between $10,000 to $20,000 a year to get $200 back in cash. If your yearly spending doesn’t exceed this amount, you’d be better off getting a different credit card that either has a lower annual fee or a higher cash back or points system.
  • Points and Perks – Where you can earn points is just as important as how many points you can earn. Choose a credit card that offers the most points on purchases you make the most often. Also, take into consideration what kind of perks your card offers. For example, while many travel credit cards offer travel insurance, check what’s included, some may offer medical, trip cancellation and baggage protection as well. 
  • Welcome Offer – Many credit card issuers will offer welcome bonuses that can easily equal to a couple of hundred dollars. 

What is the Best Travel Credit Card? 

Scotia Passport Visa Infinite

Scotia Passport Visa Infinite

With an affordable annual fee of $139 and a $300 dollar welcome bonus that’s easy to achieve, the Scotia Passport Visa Infinite shines through among the best travel credit cards. It also has a decent points system that will garner you 2 points per dollar on common purchases including gas, groceries, pharmacies, restaurants, transportation, and entertainment purchases. All other purchases made on the card will give you 1 point on the dollar. Moreover, it includes travel insurance, six free airport lounge visits and no foreign transaction fees.

The Scotia Passport Visa Infinite also offers flexibility when it comes to redeeming your points. You can not only use it to make travel-related expenses, but you can also use it to purchase merchandise, prepaid cards, gift cards, or to pay down your credit card. Last but not least, you can convert your points to  SCENE points which you can redeem at Cineplex for movies and snacks.

What is the Best Business Credit Card?

Amex Business Gold

Amex Business Gold

The Amex Business Gold is a charge card with an annual fee of $250. This may seem like a hefty fee, but its features make up for it. For one, when you choose an Amex Business Gold you’ll be rewarded 30,000 Membership Reward points, which is valued at approximately $300 dollars. The card also offers you 1 point per dollar on any purchase made on your card, with limited restriction, earning points becomes fast and easy. You can also earn an extra point per dollar when you use any 3 suppliers from American Express’ list of merchants in Canada. 

If flexibility and variety are important to you, Amex Business Gold is the way to go as you can not only redeem your points for credit, travel, retail or merchandise, but you can also convert your points to other frequent flyer and loyalty programs you may be a member of. In addition, Amex Business Gold protects you with its comprehensive insurance coverage. It includes travel protection, purchase protection and employee card abuse protection. 

What is the Best Aeroplan Credit Card

Amex Personal Gold

Amex Personal Gold

At 2 points per dollar spent, Amex Personal Gold provides more points per dollar on grocery, gas, pharmacy, and travel expenses than most cards. All other purchases will earn you 1 point for every dollar spent. Moreover, when you select Amex Personal Gold you can earn a welcome bonus of 25,000 Membership points which is valued at approximately $250 dollars.

While Amex Personal Gold doesn’t directly earn you Aeroplan points, it does allow you to transfer your points to any participating Frequent Flyer Program including Aeroplanes at a rate of 1:1. With such redemption flexibility, you can redeem your points with little limitations. You can also take advantage of Amex’s Fixed Points Travel Program which covers a base price for a fixed amount of points. When you travel, you’ll also have peace of mind with Amex’s comprehensive travel and shopping insurance.

What is the Best Cash Back Credit Card

Tangerine Money-Back

Tangerine Money-Back

With a no-nonsense attitude, Tangerine’s Money-Back credit card doesn’t provide a huge welcome bonus. Instead, it provides users with a balanced credit card that gives back great value. It has no annual fee and has a cash back earn rate of 2% on any two spending categories of your choice. If you open a savings account with them you could add a third category. All other purchases will earn you 0.5% cash back. It also comes with purchase insurance and a balance transfer rate of 1.95% which is valid for 6 months if you transfer your balance within 30 days of owning the card. 

Credit Card Overview

CardBest For Annual FeeAPRCash Advance RateWelcome Bonus
Scotia Passport Visa InfiniteTravel$13919.99%22.99%30,000 Scotia Reward points
Amex Business GoldBusiness$25030%30,000 Membership Reward Points
Amex Personal GoldAeroplan points$15030%25,000 Membership Reward points 
Tangerine Money-BackCash back$019.95%19.95%1.95% balance transfer interest for 6 months

Factors Lenders Consider When Approving Credit Card Applicants

When you apply for a credit card there are a number of factors an issuer will consider before approving you. Below, we’ve listed the most common requirements a lender will examine. 

  • Income –  Often your credit card issuer will have an income requirement you must meet in order to be eligible for the card. The amount itself is dependent on the issuer and the type of card you are applying for. The higher-level card you apply for the more it will cost, in general, the income requirement can easily range from $0 to $150,000 a year. 
  • Credit score – Once again, like the income requirement, the credit score required for a particular credit card is dependent on the issuer and card you apply for. The more prestigious the card the higher your credit score will need to be. 
  • Residence – Most issuers will require you to be a permanent resident of Canada in order to be eligible for a credit card. That means temporary foreign students or workers cannot qualify for a credit card. 
  • Age – By law, you must be at least the age of majority within your province or territory to qualify for a credit card. 
  • Business – Though it may seem obvious, if you are applying for a business credit card, you will need to be an owner of a business to apply. 

Credit Card FAQs

What’s better? A Visa card, a Mastercard or an Amex credit card? 

Choosing a card based on its network won’t help you discover a card that offers the best value. 

It’s best to focus on the card features such as the annual fee, points, rewards, perks, and welcome bonuses it offers. However, it’s worth mentioning that unlike Visas and Mastercards, Amex is not as widely accepted. 

Which low-income credit card is good for me?

If you have a low income, a credit card with no annual fee may be the best credit card for you. However, there are many no annual fee credit cards, to see which one best suits you, check out the benefits and perks 

Will applying for a credit card affect my credit?

Yes, when you apply for a credit card, it is usually followed by a hard inquiry which will affect your credit score. However, such inquiries result in a small hit to your credit score and should bounce back quickly. 

Related Articles

Brim Financial vs. Neo Financial
Are you looking for an affordable credit card for bad credit? Improve your credit score while earning points with Neo Financial or Brim Financial.
Brim Financial Review
Looking for a credit card that offers great rewards and a comprehensive insurance package? Check out Brim Financial's Mastercards.
Neo Financial Credit Card Review
Are you having a hard time qualifying for a good credit card? Check out Neo Financial's credit card.
Best Credit Building Credit Cards 2020
The top credit building credit cards available to Canadian consumers looking to improve their credit score.
Best Business Credit Cards
Whether you run a large corporation or a small business, the right business credit card is an essential tool. These are the best offers currently avai... Read More
Best Aeroplan Credit Cards
Check out the best Aeroplan credit cards offers currently available to Canadian consumers.

Sign Up Bonus Annual Fee Purchase APR Cash Advance Interest Rate Regular Balance Transfer Rate Recommended Credit Score
Sign Up Bonus Annual Fee Purchase APR Cash Advance Interest Rate Regular Balance Transfer Rate Recommended Credit Score
Shell CashBack MasterCard® from BMO logo

Shell CashBack MasterCard® from BMO

+1%
PLUS earn 1% cash back for the first 6 months
$0
19.99%
22.99%
22.99%
670-739
Apply
Shell CashBack MasterCard® from BMO logo

Shell CashBack MasterCard® from BMO

Apply for this card

Sign Up Bonus

+1%

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • Get $50 CashBack Rewards!
  • PLUS earn 1% cash back for the first 6 months
  • 1.5% CashBack on every dollar you spend at Shell locations in Canada
  • 0.5% CashBack on every dollar you spend on purchases everywhere else MasterCard is accepted
  • No Annual Fee
BMO® CashBack® World Elite® MasterCard® logo

BMO® CashBack® World Elite® MasterCard®

10% + $120*
Get up to 10% cash back  in your first 3 months and the $120 annual fee waived in the first year
$120
Annual fee waived in the first year
19.99%
22.99%
22.99%
740-850
Apply
BMO® CashBack® World Elite® MasterCard® logo

BMO® CashBack® World Elite® MasterCard®

Apply for this card

Sign Up Bonus

10% + $120*

Annual Fee

$120

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850
  • Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
  • Earn 1.5% CashBack on ALL card purchases* - no caps, no category limits!
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*.
  • Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
  • Complimentary Roadside Assistance Program*
  • BMO CashBack World Elite Travel and Medical Protection*
  • Extended Warranty Plus*
  • Purchase Protection Plus*
  • BMO Concierge Service*
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
Scotiabank® American Express® Card logo

Scotiabank® American Express® Card

5,000
Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months
$0
19.99%
22.99%
22.99%
740-850
Apply
Scotiabank® American Express® Card logo

Scotiabank® American Express® Card

Apply for this card

Sign Up Bonus

5,000

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850
  • Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Refresh Secured Card logo

Refresh Secured Card

0
$48.95
$48.95/yr or $12.95/yr with a monthly maintenance fee of $3
17.99%
17.99%
17.99%
-
Apply
Refresh Secured Card logo

Refresh Secured Card

Apply for this card

Sign Up Bonus

0

Annual Fee

$48.95

Snapshot of card details

Purchase APR
17.99%
Cash Advance Interest Rate
17.99%
Regular Balance Transfer Rate
17.99%
Recommended Credit Score
-

Some of the benefits

  • No credit history required
  • Build credit with one of the lowest cost cards in Canada
  • Get all the benefits of Visa while building your credit
  • Get access to financial education with Refresh.FIT
  • Make online purchases
  • Super low interest rates
SCENE® Visa® Card logo

SCENE® Visa® Card

2,500 points
Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months
$0
19.99%
22.99%
22.99%
670-739
Apply
SCENE® Visa® Card logo

SCENE® Visa® Card

Apply for this card

Sign Up Bonus

2,500 points

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
No-Fee Scotiabank Value® Visa® Card logo

No-Fee Scotiabank Value® Visa® Card

3.99%
3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)
$0
16.99%
16.99%
16.99%
670-739
Apply
No-Fee Scotiabank Value® Visa® Card logo

No-Fee Scotiabank Value® Visa® Card

Apply for this card

Sign Up Bonus

3.99%

Annual Fee

$0

Snapshot of card details

Purchase APR
16.99%
Cash Advance Interest Rate
16.99%
Regular Balance Transfer Rate
16.99%
Recommended Credit Score
670-739
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank Value® Visa® Card logo

Scotiabank Value® Visa® Card

0.99%
0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that)
$29
12.99%
12.99%
12.99%
670-739
Apply
Scotiabank Value® Visa® Card logo

Scotiabank Value® Visa® Card

Apply for this card

Sign Up Bonus

0.99%

Annual Fee

$29

Snapshot of card details

Purchase APR
12.99%
Cash Advance Interest Rate
12.99%
Regular Balance Transfer Rate
12.99%
Recommended Credit Score
670-739
  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)
  • Save hundreds of dollars in interest a year
  • Low 12.99% interest rate
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotia Momentum® MasterCard® logo

Scotia Momentum® MasterCard®

7.99%
7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)
$0
19.99%
22.99%
22.99%
670-739
Apply
Scotia Momentum® MasterCard® logo

Scotia Momentum® MasterCard®

Apply for this card

Sign Up Bonus

7.99%

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotia Momentum® Visa® Infinite Card logo

Scotia Momentum® Visa® Infinite Card

$350*
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
$99
No annual fee in the first year
19.99%
22.99%
22.99%
740-850
Apply
Scotia Momentum® Visa® Infinite Card logo

Scotia Momentum® Visa® Infinite Card

Apply for this card

Sign Up Bonus

$350*

Annual Fee

$99

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850
  • Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
  • 4% on eligible recurring bill payments and grocery store purchases
  • 2% on eligible gas station and daily transit purchases
  • 1% cash back on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Visa Infinite Dining Series
  • Visa Infinite Music Series
  • Wine Country Wonders
  • Luxury Hotel Privileges
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotia Momentum® No-Fee Visa® Card logo

Scotia Momentum® No-Fee Visa® Card

7.99%
Introductory interest rate on purchases for the first 6 months
$0
19.99%
22.99%
22.99%
670-739
Apply
Scotia Momentum® No-Fee Visa® Card logo

Scotia Momentum® No-Fee Visa® Card

Apply for this card

Sign Up Bonus

7.99%

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
$20*
Use the code LOANSCAN20 and instantly get $20 Cash Back when you make your first purchase
$0
N/A
N/A
N/A
N/A
Apply

Sign Up Bonus

$20*

Annual Fee

$0

Snapshot of card details

Purchase APR
N/A
Cash Advance Interest Rate
N/A
Regular Balance Transfer Rate
N/A
Recommended Credit Score
N/A
  • A full-service spending account through a Prepaid Visa and integrated app
  • 0.5% cash-back on all spending
  • No account fees
  • Free e-transfers
  • Directly link your paycheque to your account
  • Get insights into your spend with transaction categorization and real-time notifications
  • Automate your savings with Savings Goals and RoundUps
  • Free Joint Account also available
  • Apple Pay accepted
  • Use the code LOANSCAN20 and instantly get $20 Cash Back when you make your first purchase
Tangerine World Mastercard® logo

Tangerine World Mastercard®

4%
Earn 4% Money-Back Rewards in up to 3 Categories for 3 Months* with the new Tangerine World Mastercard.  (new clients only)
$0
19.95%
19.95%
19.95%
740-850
Apply
Tangerine World Mastercard® logo

Tangerine World Mastercard®

Apply for this card

Annual Fee

$0

Snapshot of card details

Purchase APR
19.95%
Cash Advance Interest Rate
19.95%
Regular Balance Transfer Rate
19.95%
Recommended Credit Score
740-850

Tangerine World Mastercard: 

  • Promotional rate: Earn 4% Money-Back Rewards in up to 3 Categories for 3 Months* with the new Tangerine World Mastercard.  (new clients only)
  • Personalized categories and unlimited money-back rewards monthly
  • Automatic earning:  Money-Back Rewards are earned automatically on everyday purchases and paid monthly. These can be applied to your Credit Card balance or redeemed into your Savings Account.
  • No annual fee
  • After promotional period, 2% cashback on your choice of up to 3 categories, 0.5% money back on all other purchases
  • Change your 2% Money-back categories to suit your spending from your choice of 10 categories
  • 1.95% on Balance Transfers for six months
  • Zero Liability: As a Mastercard user, you don’t have to worry when using the credit card and you’re not responsible for unauthorized purchases made with your card
  • Extended Warranty: Doubles the original manufacturer’s warranty for up to one year when you pay with your eligible Mastercard
  • Purchase Protection: Provides coverage for most items you purchase with your eligible Mastercard if the item is damaged or stolen within 90 days of the date of purchase
  • Priceless Cities: Mastercard cardholders can enjoy special and unique offers on unforgettable experiences around the world with Priceless Cities
  • Exclusive Experiences and Offers: Cardholders get preferred access to an array or valuable offers, upgrades and experiences 
  • Learn more here.

Tangerine World Mastercard Benefits:

  • 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.
Tangerine Money-Back Credit Card logo

Tangerine Money-Back Credit Card

0
$0
19.95%
19.95%
19.95%
740-850
Apply
Tangerine Money-Back Credit Card logo

Tangerine Money-Back Credit Card

Apply for this card

Sign Up Bonus

0

Annual Fee

$0

Snapshot of card details

Purchase APR
19.95%
Cash Advance Interest Rate
19.95%
Regular Balance Transfer Rate
19.95%
Recommended Credit Score
740-850

SPECIAL OFFER:

Earn 4% Money-Back Rewards on purchases in two Money-Back Categories of their choice, and 0.50% Money-Back Rewards on all other purchases. This Promotion is only available to new Tangerine Money-Back Credit Card Account holders who apply between April 22, 2019 and January 31, 2020, and activate their Credit Card no more than 45 calendar days from the date Tangerine approves the application. 4% Cash-back will be earned for a 92-day period beginning on the date the Tangerine Money-Back Credit Card is activated. At the end of the 92-day period, Cash-back will be 2% on the selected 2 categories. Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 4% 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.

REWARDS FEATURES:

  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% 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:

  • Free Cards for Authorized Users on your Account
  • Purchase Assurance and Extended Warranty – 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.
BMO® Preferred Rate MasterCard® logo

BMO® Preferred Rate MasterCard®

3.99%
Get a 3.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee
$20
First year annual fee waived
12.99%
12.99%
12.99%
670-739
Apply
BMO® Preferred Rate MasterCard® logo

BMO® Preferred Rate MasterCard®

Apply for this card

Sign Up Bonus

3.99%

Annual Fee

$20

Snapshot of card details

Purchase APR
12.99%
Cash Advance Interest Rate
12.99%
Regular Balance Transfer Rate
12.99%
Recommended Credit Score
670-739
  • Welcome offer: Get a 3.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee and we’ll waive the $20 annual fee for the first year
  • Enjoy our lowest interest rate of 12.99% on purchases and cash advances
  • Free extended warranty and purchase protection
  • Zero Dollar Liability: protects you from unauthorized use of your credit card
  • Worldwide acceptance at over 30 million locations
BMO® U.S. Dollar MasterCard® logo

BMO® U.S. Dollar MasterCard®

0
$35
19.99%
22.99%
22.99%
740-850
Apply
BMO® U.S. Dollar MasterCard® logo

BMO® U.S. Dollar MasterCard®

Apply for this card

Sign Up Bonus

0

Annual Fee

$35

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850
  • The ideal way to travel and shop – or buy online – from U.S. retailers
  • Shop with no exchange rate surprises.
  • Fee Rebate offer: Spend just $1,000 USD in one year on your card, and the annual fee for the following year is on us
  • Extended Warranty
  • Purchase Protection
Shell CashBack World MasterCard® from BMO logo

Shell CashBack World MasterCard® from BMO

0
$79
19.99%
22.99%
22.99%
740-850
Apply
Shell CashBack World MasterCard® from BMO logo

Shell CashBack World MasterCard® from BMO

Apply for this card

Sign Up Bonus

0

Annual Fee

$79

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850
  • 3% CashBack on every dollar you spend at Shell locations in Canada
  • 1.25% CashBack on every dollar you spend on purchases everywhere else MasterCard is accepted
  • FREE Roadside Assistance ($69/year value)
BMO® CashBack® MasterCard® logo

BMO® CashBack® MasterCard®

5%
Get 5% cash back in your first 3 months
$0
19.99%
22.99%
22.99%
670-739
Apply
BMO® CashBack® MasterCard® logo

BMO® CashBack® MasterCard®

Apply for this card

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • Welcome offer: Get 5% cash back in your first 3 months
  • Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!
  • Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred
  • No Annual fee
  • Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account
  • Extended Warranty
  • Purchase Protection
  • Receive a discount on car rentals
Shell AIR MILES® World MasterCard® from BMO logo

Shell AIR MILES® World MasterCard® from BMO

0
$99
19.99%
22.99%
22.99%
740-850
Apply
Shell AIR MILES® World MasterCard® from BMO logo

Shell AIR MILES® World MasterCard® from BMO

Apply for this card

Sign Up Bonus

0

Annual Fee

$99

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850
  • 1.25x Miles on card purchases at Shell locations in Canada
  • 1 Mile for every $15 in card purchases everywhere else MasterCard is accepted
BMO® Sobeys AIR MILES® MasterCard® logo

BMO® Sobeys AIR MILES® MasterCard®

800
When you spend $1,000 in the first 3 months
$0
19.99%
22.99%
22.99%
670-739
Apply
BMO® Sobeys AIR MILES® MasterCard® logo

BMO® Sobeys AIR MILES® MasterCard®

Apply for this card

Sign Up Bonus

800

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • WELCOME BONUS! Get 800 AIR MILES Bonus Miles
  • New! Always get 2x the miles at participating* AIR MILES Partners. That’s 2 Miles for every $20 you spend using your BMO Sobeys AIR MILES Mastercard
  • 2x the Miles for every $20 spent at Sobeys
  • 1 Mile for every $20 spent everywhere else
  • Extended Warranty and Purchase Protection
  • No Annual Fee
BMO® IGA AIR MILES® MasterCard® logo

BMO® IGA AIR MILES® MasterCard®

800
When you spend $1,000 in the first 3 months
$0
19.99%
22.99%
22.99%
670-739
Apply
BMO® IGA AIR MILES® MasterCard® logo

BMO® IGA AIR MILES® MasterCard®

Apply for this card

Sign Up Bonus

800

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • WELCOME BONUS! Get 800 AIR MILES Bonus Miles
  • New! Always get 2x the miles at participating* AIR MILES Partners. That’s 2 Miles for every $20 you spend using your BMO IGA AIR MILES Mastercard
  • Get 2 Miles for every $20 spent at IGA
  • 1 Mile for every $20 spent everywhere else
  • Extended Warranty and Purchase Protection
  • No Annual Fee*\
Shell AIR MILES® MasterCard® from BMO logo

Shell AIR MILES® MasterCard® from BMO

800
After first purchase
$0
19.99%
22.99%
22.99%
670-739
Apply
Shell AIR MILES® MasterCard® from BMO logo

Shell AIR MILES® MasterCard® from BMO

Apply for this card

Sign Up Bonus

800

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • WELCOME BONUS! Get 800 AIR MILES Bonus Miles
  • New! Always get 2x the miles at participating AIR MILES Partners. That’s 2 Miles for every $20 you spend using your Shell AIR MILES MasterCard from BMO
  • 1 Mile for every $20 in card purchases everywhere else
  • No Annual Fee
BMO® Rewards MasterCard® logo

BMO® Rewards MasterCard®

15,000
Minimum spend of $1,000 for the first 3 months
$0
19.99%
22.99%
22.99%
670-739
Apply
BMO® Rewards MasterCard® logo

BMO® Rewards MasterCard®

Apply for this card

Sign Up Bonus

15,000

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • Welcome Offer: Get up to 15,000 BMO Rewards welcome points
  • Get 1 BMO Rewards point for every $1 spent
  • Earn faster with additional cardholders
  • Get up to 25% off car rentals at National®#† Car Rental and Alamo® Rent A Car locations worldwide
  • Extended Warranty
  • Purchase Protection
  • Zero Dollar Liability: protects you from unauthorized use of your credit card
BMO® World Elite® MasterCard® logo

BMO® World Elite® MasterCard®

40,000
$150 annual fee waived
$150
First year free
19.99%
22.99%
22.99%
740-850
Apply
BMO® World Elite® MasterCard® logo

BMO® World Elite® MasterCard®

Apply for this card

Sign Up Bonus

40,000

Annual Fee

$150

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850
  • Get up to $575 in value in your first year
  • Welcome offer: Get 40,000 points and the $150 annual fee waived in the first year ($285 travel value booked on bmorewards.com + $150 Value*)
  • Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus four annual complimentary passes* ($140 Value/Year).
  • Get 2 points for every $1 spent everywhere else
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges
  • Points you can use to cover all flight charges & taxes
  • Fly on any airline, with no blackout dates
  • Best-in-class travel and medical insurance (unlimited trips per year)
  • BMO Concierge Service
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
BMO® AIR MILES® World Elite® MasterCard® logo

BMO® AIR MILES® World Elite® MasterCard®

2,000
Minimum spend of $3,000 in the first 3 months
$120
First year free
19.99%
22.99%
22.99%
740-850
Apply
BMO® AIR MILES® World Elite® MasterCard® logo

BMO® AIR MILES® World Elite® MasterCard®

Apply for this card

Sign Up Bonus

2,000

Annual Fee

$120

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850
  • Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year*.
  • Earn 1 reward mile for every $10 in credit card purchases, everywhere you spend
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Use your card at Costco*
  • Extended Warranty
  • Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus two annual complimentary passes*
  • Exclusive 15% Flight Discount on all AIR MILES flights in North America with no blackout periods*
  • BMO AIR MILES World Elite Travel and Medical Protection*
  • BMO Concierge Service*
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
BMO® AIR MILES® MasterCard® logo

BMO® AIR MILES® MasterCard®

800
400 miles after first purchase & 400 miles after $1,000 spend in the first 3 months
$0
19.99%
22.99%
22.99%
670-739
Apply
BMO® AIR MILES® MasterCard® logo

BMO® AIR MILES® MasterCard®

Apply for this card

Sign Up Bonus

800

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • Welcome offer: Get 800 AIR MILES Bonus Miles
  • Get a 1.99% introductory interest rate on Balance Transfers for 9 months*, 1% fee applies to balance amounts transferred
  • Get 2x the Miles for every $20 spent at participating AIR MILES Partners
  • Get 1 Mile for every $20 spent everywhere else
  • Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both
  • Get AIR MILES back every time you spend, plus start building a healthy credit history
  • Best BMO CashBack Mastercard for Students
  • No annual fee
  • Receive a discount on car rentals
  • Extended Warranty
  • Purchase Protection
ScotiaGold Passport® Visa card logo

ScotiaGold Passport® Visa card

5,000
5,000 welcome bonus points on first purchase.
$110
19.99%
22.99%
22.99%
670-739
Apply
ScotiaGold Passport® Visa card logo

ScotiaGold Passport® Visa card

Apply for this card

Sign Up Bonus

5,000

Annual Fee

$110

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • Earn 5,000 bonus Scotia Rewards points upon your first purchase
  • Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday purchases
  • 5% cash back on travel purchased through Scotia Rewards Flexible Point Redemption
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® GM® Visa Infinite card logo

Scotiabank® GM® Visa Infinite card

0
$79
First year annual fee waived
19.99%
22.99%
22.99%
670-739
Apply
Scotiabank® GM® Visa Infinite card logo

Scotiabank® GM® Visa Infinite card

Apply for this card

Sign Up Bonus

0

Annual Fee

$79

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • First year annual fee waived
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® GM® Visa card logo

Scotiabank® GM® Visa card

0
$0
Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter.
19.99%
22.99%
17.99%
670-739
Apply
Scotiabank® GM® Visa card logo

Scotiabank® GM® Visa card

Apply for this card

Sign Up Bonus

0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
17.99%
Recommended Credit Score
670-739
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® Platinum American Express® card logo

Scotiabank® Platinum American Express® card

30,000
After first purchase within 60 days of account opening
$399
19.99%
22.99%
22.99%
670-739
Apply
Scotiabank® Platinum American Express® card logo

Scotiabank® Platinum American Express® card

Apply for this card

Sign Up Bonus

30,000

Annual Fee

$399

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • Earn 30,000 bonus Scotia Rewards points upon first purchase
  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible everyday purchases
  • Complimentary membership to Priority Pass Airport Lounges Worldwide
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® Gold American Express® card logo

Scotiabank® Gold American Express® card

20,000
Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months
$120
19.99%
22.99%
22.99%
740-850
Apply
Scotiabank® Gold American Express® card logo

Scotiabank® Gold American Express® card

Apply for this card

Sign Up Bonus

20,000

Annual Fee

$120

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850
  • Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months
  • Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
  • Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Amex exclusive benefits (Front Of The Line)
  • Rates, fees, offers and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® Passport™ Visa Infinite Card logo

Scotiabank® Passport™ Visa Infinite Card

35,000
Earn up to 35,000 bonus Scotia Rewards points in your first year (that’s up to $350 towards travel)
$139
19.99%
22.99%
22.99%
740-850
Apply
Scotiabank® Passport™ Visa Infinite Card logo

Scotiabank® Passport™ Visa Infinite Card

Apply for this card

Sign Up Bonus

35,000

Annual Fee

$139

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850
  • Earn up to 35,000 bonus Scotia Rewards points in your first year (that’s up to $350 towards travel)
  • Earn 2x Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)
  • Enjoy no FX Mark-up
  • Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change
Shell CashBack MasterCard® from BMO logo

Shell CashBack MasterCard® from BMO

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

+1%

Sign Up Bonus PLUS earn 1% cash back for the first 6 months
  • Get $50 CashBack Rewards!
  • PLUS earn 1% cash back for the first 6 months
  • 1.5% CashBack on every dollar you spend at Shell locations in Canada
  • 0.5% CashBack on every dollar you spend on purchases everywhere else MasterCard is accepted
  • No Annual Fee
BMO® CashBack® World Elite® MasterCard® logo

BMO® CashBack® World Elite® MasterCard®

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850

10% + $120*

Sign Up Bonus Get up to 10% cash back  in your first 3 months and the $120 annual fee waived in the first year
  • Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
  • Earn 1.5% CashBack on ALL card purchases* - no caps, no category limits!
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*.
  • Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
  • Complimentary Roadside Assistance Program*
  • BMO CashBack World Elite Travel and Medical Protection*
  • Extended Warranty Plus*
  • Purchase Protection Plus*
  • BMO Concierge Service*
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
Scotiabank® American Express® Card logo

Scotiabank® American Express® Card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850

5,000

Sign Up Bonus Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months
  • Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Refresh Secured Card logo

Refresh Secured Card

Snapshot of card details

Purchase APR
17.99%
Cash Advance Interest Rate
17.99%
Regular Balance Transfer Rate
17.99%
Recommended Credit Score
-

0

Sign Up Bonus

Some of the benefits

  • No credit history required
  • Build credit with one of the lowest cost cards in Canada
  • Get all the benefits of Visa while building your credit
  • Get access to financial education with Refresh.FIT
  • Make online purchases
  • Super low interest rates
SCENE® Visa® Card logo

SCENE® Visa® Card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

2,500 points

Sign Up Bonus Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months
  • Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
No-Fee Scotiabank Value® Visa® Card logo

No-Fee Scotiabank Value® Visa® Card

Snapshot of card details

Purchase APR
16.99%
Cash Advance Interest Rate
16.99%
Regular Balance Transfer Rate
16.99%
Recommended Credit Score
670-739

3.99%

Sign Up Bonus 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank Value® Visa® Card logo

Scotiabank Value® Visa® Card

Snapshot of card details

Purchase APR
12.99%
Cash Advance Interest Rate
12.99%
Regular Balance Transfer Rate
12.99%
Recommended Credit Score
670-739

0.99%

Sign Up Bonus 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that)
  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)
  • Save hundreds of dollars in interest a year
  • Low 12.99% interest rate
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotia Momentum® MasterCard® logo

Scotia Momentum® MasterCard®

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

7.99%

Sign Up Bonus 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)
  • 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotia Momentum® Visa® Infinite Card logo

Scotia Momentum® Visa® Infinite Card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850

$350*

Sign Up Bonus Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
  • Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
  • 4% on eligible recurring bill payments and grocery store purchases
  • 2% on eligible gas station and daily transit purchases
  • 1% cash back on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Visa Infinite Dining Series
  • Visa Infinite Music Series
  • Wine Country Wonders
  • Luxury Hotel Privileges
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotia Momentum® No-Fee Visa® Card logo

Scotia Momentum® No-Fee Visa® Card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

7.99%

Sign Up Bonus Introductory interest rate on purchases for the first 6 months
  • 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
KOHO Prepaid Visa® logo

KOHO Prepaid Visa®

Snapshot of card details

Purchase APR
N/A
Cash Advance Interest Rate
N/A
Regular Balance Transfer Rate
N/A
Recommended Credit Score
N/A

$20*

Sign Up Bonus Use the code LOANSCAN20 and instantly get $20 Cash Back when you make your first purchase
  • A full-service spending account through a Prepaid Visa and integrated app
  • 0.5% cash-back on all spending
  • No account fees
  • Free e-transfers
  • Directly link your paycheque to your account
  • Get insights into your spend with transaction categorization and real-time notifications
  • Automate your savings with Savings Goals and RoundUps
  • Free Joint Account also available
  • Apple Pay accepted
  • Use the code LOANSCAN20 and instantly get $20 Cash Back when you make your first purchase
Tangerine World Mastercard® logo

Tangerine World Mastercard®

Snapshot of card details

Purchase APR
19.95%
Cash Advance Interest Rate
19.95%
Regular Balance Transfer Rate
19.95%
Recommended Credit Score
740-850

4%

Sign Up Bonus Earn 4% Money-Back Rewards in up to 3 Categories for 3 Months* with the new Tangerine World Mastercard.  (new clients only)

Tangerine World Mastercard: 

  • Promotional rate: Earn 4% Money-Back Rewards in up to 3 Categories for 3 Months* with the new Tangerine World Mastercard.  (new clients only)
  • Personalized categories and unlimited money-back rewards monthly
  • Automatic earning:  Money-Back Rewards are earned automatically on everyday purchases and paid monthly. These can be applied to your Credit Card balance or redeemed into your Savings Account.
  • No annual fee
  • After promotional period, 2% cashback on your choice of up to 3 categories, 0.5% money back on all other purchases
  • Change your 2% Money-back categories to suit your spending from your choice of 10 categories
  • 1.95% on Balance Transfers for six months
  • Zero Liability: As a Mastercard user, you don’t have to worry when using the credit card and you’re not responsible for unauthorized purchases made with your card
  • Extended Warranty: Doubles the original manufacturer’s warranty for up to one year when you pay with your eligible Mastercard
  • Purchase Protection: Provides coverage for most items you purchase with your eligible Mastercard if the item is damaged or stolen within 90 days of the date of purchase
  • Priceless Cities: Mastercard cardholders can enjoy special and unique offers on unforgettable experiences around the world with Priceless Cities
  • Exclusive Experiences and Offers: Cardholders get preferred access to an array or valuable offers, upgrades and experiences 
  • Learn more here.

Tangerine World Mastercard Benefits:

  • 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.
Tangerine Money-Back Credit Card logo

Tangerine Money-Back Credit Card

Snapshot of card details

Purchase APR
19.95%
Cash Advance Interest Rate
19.95%
Regular Balance Transfer Rate
19.95%
Recommended Credit Score
740-850

0

Sign Up Bonus

SPECIAL OFFER:

Earn 4% Money-Back Rewards on purchases in two Money-Back Categories of their choice, and 0.50% Money-Back Rewards on all other purchases. This Promotion is only available to new Tangerine Money-Back Credit Card Account holders who apply between April 22, 2019 and January 31, 2020, and activate their Credit Card no more than 45 calendar days from the date Tangerine approves the application. 4% Cash-back will be earned for a 92-day period beginning on the date the Tangerine Money-Back Credit Card is activated. At the end of the 92-day period, Cash-back will be 2% on the selected 2 categories. Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 4% 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.

REWARDS FEATURES:

  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% 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:

  • Free Cards for Authorized Users on your Account
  • Purchase Assurance and Extended Warranty – 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.
BMO® Preferred Rate MasterCard® logo

BMO® Preferred Rate MasterCard®

Snapshot of card details

Purchase APR
12.99%
Cash Advance Interest Rate
12.99%
Regular Balance Transfer Rate
12.99%
Recommended Credit Score
670-739

3.99%

Sign Up Bonus Get a 3.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee
  • Welcome offer: Get a 3.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee and we’ll waive the $20 annual fee for the first year
  • Enjoy our lowest interest rate of 12.99% on purchases and cash advances
  • Free extended warranty and purchase protection
  • Zero Dollar Liability: protects you from unauthorized use of your credit card
  • Worldwide acceptance at over 30 million locations
BMO® U.S. Dollar MasterCard® logo

BMO® U.S. Dollar MasterCard®

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850

0

Sign Up Bonus
  • The ideal way to travel and shop – or buy online – from U.S. retailers
  • Shop with no exchange rate surprises.
  • Fee Rebate offer: Spend just $1,000 USD in one year on your card, and the annual fee for the following year is on us
  • Extended Warranty
  • Purchase Protection
Shell CashBack World MasterCard® from BMO logo

Shell CashBack World MasterCard® from BMO

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850

0

Sign Up Bonus
  • 3% CashBack on every dollar you spend at Shell locations in Canada
  • 1.25% CashBack on every dollar you spend on purchases everywhere else MasterCard is accepted
  • FREE Roadside Assistance ($69/year value)
BMO® CashBack® MasterCard® logo

BMO® CashBack® MasterCard®

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

5%

Sign Up Bonus Get 5% cash back in your first 3 months
  • Welcome offer: Get 5% cash back in your first 3 months
  • Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!
  • Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred
  • No Annual fee
  • Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account
  • Extended Warranty
  • Purchase Protection
  • Receive a discount on car rentals
Shell AIR MILES® World MasterCard® from BMO logo

Shell AIR MILES® World MasterCard® from BMO

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850

0

Sign Up Bonus
  • 1.25x Miles on card purchases at Shell locations in Canada
  • 1 Mile for every $15 in card purchases everywhere else MasterCard is accepted
BMO® Sobeys AIR MILES® MasterCard® logo

BMO® Sobeys AIR MILES® MasterCard®

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

800

Sign Up Bonus When you spend $1,000 in the first 3 months
  • WELCOME BONUS! Get 800 AIR MILES Bonus Miles
  • New! Always get 2x the miles at participating* AIR MILES Partners. That’s 2 Miles for every $20 you spend using your BMO Sobeys AIR MILES Mastercard
  • 2x the Miles for every $20 spent at Sobeys
  • 1 Mile for every $20 spent everywhere else
  • Extended Warranty and Purchase Protection
  • No Annual Fee
BMO® IGA AIR MILES® MasterCard® logo

BMO® IGA AIR MILES® MasterCard®

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

800

Sign Up Bonus When you spend $1,000 in the first 3 months
  • WELCOME BONUS! Get 800 AIR MILES Bonus Miles
  • New! Always get 2x the miles at participating* AIR MILES Partners. That’s 2 Miles for every $20 you spend using your BMO IGA AIR MILES Mastercard
  • Get 2 Miles for every $20 spent at IGA
  • 1 Mile for every $20 spent everywhere else
  • Extended Warranty and Purchase Protection
  • No Annual Fee*\
Shell AIR MILES® MasterCard® from BMO logo

Shell AIR MILES® MasterCard® from BMO

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

800

Sign Up Bonus After first purchase
  • WELCOME BONUS! Get 800 AIR MILES Bonus Miles
  • New! Always get 2x the miles at participating AIR MILES Partners. That’s 2 Miles for every $20 you spend using your Shell AIR MILES MasterCard from BMO
  • 1 Mile for every $20 in card purchases everywhere else
  • No Annual Fee
BMO® Rewards MasterCard® logo

BMO® Rewards MasterCard®

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

15,000

Sign Up Bonus Minimum spend of $1,000 for the first 3 months
  • Welcome Offer: Get up to 15,000 BMO Rewards welcome points
  • Get 1 BMO Rewards point for every $1 spent
  • Earn faster with additional cardholders
  • Get up to 25% off car rentals at National®#† Car Rental and Alamo® Rent A Car locations worldwide
  • Extended Warranty
  • Purchase Protection
  • Zero Dollar Liability: protects you from unauthorized use of your credit card
BMO® World Elite® MasterCard® logo

BMO® World Elite® MasterCard®

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850

40,000

Sign Up Bonus $150 annual fee waived
  • Get up to $575 in value in your first year
  • Welcome offer: Get 40,000 points and the $150 annual fee waived in the first year ($285 travel value booked on bmorewards.com + $150 Value*)
  • Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus four annual complimentary passes* ($140 Value/Year).
  • Get 2 points for every $1 spent everywhere else
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges
  • Points you can use to cover all flight charges & taxes
  • Fly on any airline, with no blackout dates
  • Best-in-class travel and medical insurance (unlimited trips per year)
  • BMO Concierge Service
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
BMO® AIR MILES® World Elite® MasterCard® logo

BMO® AIR MILES® World Elite® MasterCard®

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850

2,000

Sign Up Bonus Minimum spend of $3,000 in the first 3 months
  • Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year*.
  • Earn 1 reward mile for every $10 in credit card purchases, everywhere you spend
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Use your card at Costco*
  • Extended Warranty
  • Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus two annual complimentary passes*
  • Exclusive 15% Flight Discount on all AIR MILES flights in North America with no blackout periods*
  • BMO AIR MILES World Elite Travel and Medical Protection*
  • BMO Concierge Service*
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
BMO® AIR MILES® MasterCard® logo

BMO® AIR MILES® MasterCard®

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

800

Sign Up Bonus 400 miles after first purchase & 400 miles after $1,000 spend in the first 3 months
  • Welcome offer: Get 800 AIR MILES Bonus Miles
  • Get a 1.99% introductory interest rate on Balance Transfers for 9 months*, 1% fee applies to balance amounts transferred
  • Get 2x the Miles for every $20 spent at participating AIR MILES Partners
  • Get 1 Mile for every $20 spent everywhere else
  • Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both
  • Get AIR MILES back every time you spend, plus start building a healthy credit history
  • Best BMO CashBack Mastercard for Students
  • No annual fee
  • Receive a discount on car rentals
  • Extended Warranty
  • Purchase Protection
ScotiaGold Passport® Visa card logo

ScotiaGold Passport® Visa card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

5,000

Sign Up Bonus 5,000 welcome bonus points on first purchase.
  • Earn 5,000 bonus Scotia Rewards points upon your first purchase
  • Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday purchases
  • 5% cash back on travel purchased through Scotia Rewards Flexible Point Redemption
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® GM® Visa Infinite card logo

Scotiabank® GM® Visa Infinite card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

0

Sign Up Bonus
  • First year annual fee waived
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® GM® Visa card logo

Scotiabank® GM® Visa card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
17.99%
Recommended Credit Score
670-739

0

Sign Up Bonus
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® Platinum American Express® card logo

Scotiabank® Platinum American Express® card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

30,000

Sign Up Bonus After first purchase within 60 days of account opening
  • Earn 30,000 bonus Scotia Rewards points upon first purchase
  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible everyday purchases
  • Complimentary membership to Priority Pass Airport Lounges Worldwide
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® Gold American Express® card logo

Scotiabank® Gold American Express® card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850

20,000

Sign Up Bonus Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months
  • Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months
  • Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
  • Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Amex exclusive benefits (Front Of The Line)
  • Rates, fees, offers and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® Passport™ Visa Infinite Card logo

Scotiabank® Passport™ Visa Infinite Card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850

35,000

Sign Up Bonus Earn up to 35,000 bonus Scotia Rewards points in your first year (that’s up to $350 towards travel)
  • Earn up to 35,000 bonus Scotia Rewards points in your first year (that’s up to $350 towards travel)
  • Earn 2x Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)
  • Enjoy no FX Mark-up
  • Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change