|
Feature / Card
|
ATB Platinum Cash Rewards MasterCard
|
ATB Gold Cash Rewards MasterCard
|
BMO Premium CashBack
MasterCard
|
BMO CashBack MasterCard
|
Bridgewater Bank Premium MasterCard
|
Bridgewater Bank No Fee MasterCard
|
Bridgewater Bank Low Rate MasterCard
|
Canadian Tire Cash Advantage MasterCard
|
Capital One® Aspire Cash™ World MasterCard®
|
Capital One® Aspire Cash™ Platinum MasterCard®
|
Chase Amazon.ca Rewards Visa® Card
|
CIBC Dividend Unlimited World MasterCard
|
CIBC Dividend Visa Infinite
|
CIBC Dividend Visa
|
HSBC MasterCard
|
MBNA SmartCash Platinum Plus MasterCard
|
Feature / Card
|
National Bank Edition
MasterCard
|
RBC Cash Back MasterCard
|
RBC Visa Cash Back
Card
|
Scotia Momentum VISA Infinite card
|
Scotia Momentum VISA card
|
Scotia Momentum no fee VISA card
|
TD Gold Elite Visa Card
|
TD Rebate Rewards Visa Card
|
TrueEarnings Card from Costco & American Express
|
VanCity enviro Gold Visa
|
VanCity enviro Classic Visa
|
Feature / Card
|
|
/
|
Fees/Costs
|
/
|
Fees/Costs
|
/
|
|
Annual Fee
|
$120
|
$0
|
$49
|
$0
|
$109
|
$0
|
$29
|
$0
|
$0
|
$0
|
$0
|
$79
|
$79
|
$0
|
No Fee as long as you have an HSBC Premier or Advance
package
|
$0
|
Annual Fee
|
À la carte Rewards Plan: $20
No Fee: $0
|
$0
|
$19
|
$99
|
$39
|
$0
|
$99
|
$0
|
$0
|
$99
|
: $0
|
Annual Fee
|
|
Supp. Card Fee
|
$25
|
$0
|
$0
|
$0
|
N/A
|
$0
|
N/A
|
$0
|
See
Application
|
See
Application
|
$0
|
$30
|
$30
|
$0
|
$0
|
$0
|
Supp. Card Fee
|
$0
|
$0
|
$0
|
$30
|
$15
|
$0
|
$39
|
$0
|
$0
|
$0
|
$0
|
Supp. Card Fee
|
|
Interest Rate
|
18.9%
|
18.9%
|
19.5%
|
19.5%
|
19.99%
|
19.99%
|
12.99%
|
19.99%
|
Prime + 16.8%
|
Prime + 16.8%
|
19.99%
|
19.99%
|
19.99%
|
19.99%
|
Premier: 12.9%
Advance: 17.9%
|
19.99%
|
Interest Rate
|
19.5%
|
19.99%
|
19.99%
|
19.99%
|
19.99%
|
19.99%
|
19.99%
|
19.99%
|
N/A
|
19.5%
|
19.5%
|
Interest Rate
|
|
Minimum Income
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
$60,000 Personal or $100,000 Household
|
N/A
|
N/A
|
$70,000 Personal or $120,000 Household
|
$60,000 Personal or $100,000 Household
|
$15,000
|
N/A
|
$35,000 Household
|
Minimum Income
|
N/A
|
N/A
|
N/A
|
$60,000 Personal or $100,000 Household
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
$35,000
|
$15,000
|
Minimum Income
|
|
Minimum Credit Limit
|
$500
|
$500
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Minimum Credit Limit
|
$500
|
N/A
|
N/A
|
$5,000
|
$500
|
$500
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Minimum Credit Limit
|
|
/
|
Cash Back Earning
|
/
|
Cash Back Earning
|
/
|
|
Card
|
ATB Platinum Cash Rewards MasterCard
|
ATB Gold Cash Rewards MasterCard
|
BMO Premium CashBack
MasterCard
|
BMO CashBack MasterCard
|
Bridgewater Bank Premium MasterCard
|
Bridgewater Bank No Fee MasterCard
|
Bridgewater Bank Low Rate MasterCard
|
Canadian Tire Cash Advantage MasterCard
|
Capital One® Aspire Cash™ World MasterCard®
|
Capital One® Aspire Cash™ Platinum MasterCard®
|
Chase Amazon.ca Rewards Visa® Card
|
CIBC Dividend Unlimited World MasterCard
|
CIBC Dividend Visa Infinite
|
CIBC Dividend Visa
|
HSBC MasterCard
|
MBNA SmartCash Platinum Plus MasterCard
|
Card
|
National Bank Edition
MasterCard
|
RBC Cash Back MasterCard
|
RBC Visa Cash Back
Card
|
Scotia Momentum VISA Infinite card
|
Scotia Momentum VISA card
|
Scotia Momentum no fee VISA card
|
TD Gold Elite Visa Card
|
TD Rebate Rewards Visa Card
|
TrueEarnings Card from Costco & American Express
|
VanCity enviro Gold Visa
|
VanCity enviro Classic Visa
|
Card
|
|
Welcome Bonus
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Welcome Bonus
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
$45
(2,000 points on enrolment, 2,500 points on 1st purchase)
|
$20
(2,000 points on enrolment)
|
Welcome Bonus
|
|
Renewal Bonus
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
Renewal Bonus
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
$35
(3,500 points)
|
0
|
Renewal Bonus
|
|
Earning Ratio
|
1% Cash back on all purchases
|
1% Cash back on all purchases
|
1% Cash back on all purchases
|
0.5% Cash back on all purchases
|
0.50% on the first $5,000 in purchases
1.0% on purchases above $5,000 and up to $10,000
1.5% on purchases above $10,000 up to $100,000
|
1% Cash back on all purchases
|
0.25% Cash back on all purchases
|
0.25% on the first $1,500 in purchases
0.5% on purchases above $1,500 and up to $3,000
1% on purchases above $3,000
1.5% on purchases above $24,000.
|
Earn 1% cash rewards on all purchases
|
Earn 1% cash rewards on all net purchases
|
1% Cash back on all purchases
|
Tier 1 — 0.5% cash back on your first $3,000
in annual net card purchases
Tier 2 — 1% cash back on your next $12,000 in annual net card purchases
(between $3,000 and $15,000)
Tier 3 — 1.5% cash back on your next $20,000 in annual net card
purchases (between $15,000 and $35,000)
Tier 4 — 2% cash back on your next $15,000 in annual net card purchases
(between $35,000 and $50,000)
Tier 5 — 1% cash back on any annual net card purchases exceeding
$50,000
|
Tier one - 0.5% cash back on your first $3,000 in
annual net card purchases
Tier two - 1% cash back on your next $12,000 in annual net card purchases
(between $3,000 and $15,000)
Tier three - 1.5% cash back on your next $20,000 in annual net card
purchases (between $15,000 and $35,000)
Tier four - 2% cash back on your next $15,000 in annual net card purchases
(between $35,000 and $50,000)
|
Tier one - 0.25% cash back for net annual card purchases
up to $1,500
Tier two - 0.50% cash back for net annual card purchases from $1,500.01
to $3,000
Tier three - 1% cash back for net annual card purchases over $3,000
|
1% Cash back on all purchases
|
1% Cash back on all purchases
|
Earning Ratio
|
À la carte Rewards Plan:1% Cash back on all
purchases
No Fee: 0.5% Cash back on all purchases
|
1% Cash back on all purchases
|
1% Cash back on all purchases
|
1% Cash back on all purchases
|
1% Cash back on all purchases
|
0.5% Cash back on all purchases
|
1% Cash back on all purchases
|
0.5% on purchases above up to $3,000
1% on purchases above $3,000 to $25,000
|
• 0.25% up to $1,000
• 0.50% on the next $2,000
• 1% on any amount over $3,000
|
1% Cash back on all purchases
|
0.5% Cash back on all purchases
|
Earning Ratio
|
|
Bonus Features
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Earn 50% extra cash rewards every year and pay no
annual fee!
|
Earn 25% extra cash rewards every year and pay no
annual fee!
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Bonus Features
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Bonus Features
|
|
Maximum Annual Cash back limt
|
$3,000
|
Unlimited
|
Unlimited
|
Unlimited
|
$1,425
|
$600
|
$600
|
Unlimited
|
Unlimited
|
Unlimited
|
Unlimited
|
Unlimited
|
$735
|
Unlimited
|
Unlimited
|
Unlimited
|
Maximum Annual Cash back limt
|
Unlimited
|
Unlimited
|
Unlimited
|
Unlimited
|
Unlimited
|
Unlimited
|
Unlimited
|
$235
|
Unlimited
|
Unlimited
|
Unlimited
|
Maximum Annual Cash back limt
|
|
/
|
Category Spend Bonuses
|
/
|
Category Spend Bonuses
|
/
|
|
Card
|
ATB Platinum Cash Rewards MasterCard
|
ATB Gold Cash Rewards MasterCard
|
BMO Premium CashBack
MasterCard
|
BMO CashBack MasterCard
|
Bridgewater Bank Premium MasterCard
|
Bridgewater Bank No Fee MasterCard
|
Bridgewater Bank Low Rate MasterCard
|
Canadian Tire Cash Advantage MasterCard
|
Capital One® Aspire Cash™ World MasterCard®
|
Capital One® Aspire Cash™ Platinum MasterCard®
|
Chase Amazon.ca Rewards Visa® Card
|
CIBC Dividend Unlimited World MasterCard
|
CIBC Dividend Visa Infinite
|
CIBC Dividend Visa
|
HSBC MasterCard
|
MBNA SmartCash Platinum Plus MasterCard
|
Card
|
National Bank Edition
MasterCard
|
RBC Cash Back MasterCard
|
RBC Visa Cash Back
Card
|
Scotia Momentum VISA Infinite card
|
Scotia Momentum VISA card
|
Scotia Momentum no fee VISA card
|
TD Gold Elite Visa Card
|
TD Rebate Rewards Visa Card
|
TrueEarnings Card from Costco & American Express
|
VanCity enviro Gold Visa
|
VanCity enviro Classic Visa
|
Card
|
|
Grocery
|
3%
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
5% for the first 6 months, 2% thereafter
|
Grocery
|
N/A
|
2%
|
N/A
|
4%*
|
2%*
|
1%*
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Grocery
|
|
Gas
|
3%
|
N/A
|
3% at Shell Stations only
|
1.5% at Shell Stations only
|
N/A
|
N/A
|
N/A
|
3% at Canadian Tire Gas Bars only
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
5% for the first 6 months, 2% thereafter
|
Gas
|
N/A
|
N/A
|
N/A
|
4%*
|
2%*
|
1%*
|
N/A
|
N/A
|
• 2% up to $3,000 annually
• 1% on any amount over $3,000
|
N/A
|
N/A
|
Gas
|
|
Drug Store
|
3%
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Drug Store
|
N/A
|
N/A
|
N/A
|
2%**
|
2%*
|
1%*
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Drug Store
|
|
Home Improvement
|
3%
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Home Improvement
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
Home Improvement
|
|
Restaurant
|
3%
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
2% cash back at participating CIBC Bonus rewards
restaurants
up to 3% more cash back at select high end restaurants participating
in CIBC Bonus Rewards
|
N/A
|
N/A
|
N/A
|
N/A
|
Restaurant
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
3%
|
N/A
|
N/A
|
Restaurant
|
|
Other
|
3%
|
N/A
|
3% on Alamo and National Car Rentals
|
1.5% on Alamo and National Car Rentals
|
N/A
|
N/A
|
N/A
|
3% at Canadian Tire, Mark’s Work Wearhouse, L’Équipeur
|
N/A
|
N/A
|
2% Cash back on all Amazon.ca purchases
|
2% cash back at participating CIBC Bonus rewards hotels,
inns, spas and retailers
|
N/A
|
N/A
|
N/A
|
N/A
|
Other
|
N/A
|
N/A
|
N/A
|
2% on recurring bill payments**
|
2% on recurring bill payments*
|
1% on recurring bill payments*
|
N/A
|
N/A
|
3%
|
N/A
|
N/A
|
Other
|
|
/
|
Benefits
|
/
|
Benefits
|
/
|
|
Card
|
ATB Platinum Cash Rewards MasterCard
|
ATB Gold Cash Rewards MasterCard
|
BMO Premium CashBack
MasterCard
|
BMO CashBack MasterCard
|
Bridgewater Bank Premium MasterCard
|
Bridgewater Bank No Fee MasterCard
|
Bridgewater Bank Low Rate MasterCard
|
Canadian Tire Cash Advantage MasterCard
|
Capital One® Aspire Cash™ World MasterCard®
|
Capital One® Aspire Cash™ Platinum MasterCard®
|
Chase Amazon.ca Rewards Visa® Card
|
CIBC Dividend Unlimited World MasterCard
|
CIBC Dividend Visa Infinite
|
CIBC Dividend Visa
|
HSBC MasterCard
|
MBNA SmartCash Platinum Plus MasterCard
|
Card
|
National Bank Edition
MasterCard
|
RBC Cash Back MasterCard
|
RBC Visa Cash Back
Card
|
Scotia Momentum VISA Infinite card
|
Scotia Momentum VISA card
|
Scotia Momentum no fee VISA card
|
TD Gold Elite Visa Card
|
TD Rebate Rewards Visa Card
|
TrueEarnings Card from Costco & American Express
|
VanCity enviro Gold Visa
|
VanCity enviro Classic Visa
|
Card
|
|
Travel Accident Insurance
|
$200,000
|
$200,000
|
No
|
No
|
$1,000,000
|
$100,000
|
$100,000
|
No
|
Yes
|
Yes
|
No
|
$1,000,000
|
$1,000,000
|
$100,000
|
No
|
$1,000,000
|
Travel Accident Insurance
|
No
|
No
|
No
|
No
|
No
|
No
|
Yes
|
No
|
$100,000
|
up to $500,000
|
up to $200,000
|
Travel Accident Insurance
|
|
Flight Delay Insurance
|
No
|
No
|
No
|
No
|
Yes
|
No
|
No
|
No
|
Yes
|
See Application
|
No
|
Yes
|
Yes
|
No
|
Premier: Yes
Advance: No
|
No
|
Flight Delay Insurance
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
Flight Delay Insurance
|
|
Delayed, Lost, Stolen, Damaged Baggage Insurance
|
No
|
No
|
No
|
No
|
Yes
|
Yes
|
Yes
|
No
|
Yes
|
Baggage Delay
|
No
|
Yes
|
Yes
|
No
|
Premier: Yes
Advance: No
|
No
|
Delayed, Lost, Stolen, Damaged Baggage Insurance
|
No
|
No
|
No
|
No
|
No
|
No
|
Yes
|
No
|
No
|
Yes
|
No
|
Delayed, Lost, Stolen, Damaged Baggage Insurance
|
|
Trip Cancellation Insurance
|
No
|
No
|
No
|
No
|
Yes
|
No
|
No
|
No
|
Yes
|
See Application
|
No
|
No
|
No
|
No
|
Premier: Yes
Advance: No
|
No
|
Trip Cancellation Insurance
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
Trip Cancellation Insurance
|
|
Trip Interuption Insurance
|
No
|
No
|
No
|
No
|
Yes
|
No
|
No
|
No
|
Yes
|
See Application
|
No
|
Yes
|
Yes
|
No
|
No
|
Yes
|
Trip Interuption Insurance
|
No
|
No
|
No
|
No
|
No
|
No
|
Yes
|
No
|
No
|
No
|
No
|
Trip Interuption Insurance
|
|
Travel Medical Insurance
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
Yes
|
See Application
|
No
|
Yes
|
Yes
|
No
|
Premier: Yes
Advance: No
|
No
|
Travel Medical Insurance
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
Travel Medical Insurance
|
|
Auto Rental/Loss Damage Insurance
|
Yes
|
Yes
|
No
|
No
|
Yes
|
No
|
No
|
No
|
Yes
|
Yes
|
No
|
Yes
|
Yes
|
No
|
Yes
|
Yes
|
Auto Rental/Loss Damage Insurance
|
No
|
No
|
No
|
Yes
|
No
|
No
|
Yes
|
No
|
No
|
Yes
|
No
|
Auto Rental/Loss Damage Insurance
|
|
Purchase Protection
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
No
|
Yes
|
Yes
|
No
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
Purchase Protection
|
Yes
|
Yes
|
Yes
|
Yes
|
No
|
No
|
Yes
|
No
|
Yes
|
Yes
|
Yes
|
Purchase Protection
|
|
Price Protection
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
Yes
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
Price Protection
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
Price Protection
|
|
Extended Warranty Plan
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
No
|
Yes
|
Yes
|
No
|
Yes
|
Yes
|
Yes
|
Yes
|
Yes
|
Extended Warranty Plan
|
Yes
|
Yes
|
Yes
|
Yes
|
No
|
No
|
Yes
|
No
|
Yes
|
Yes
|
Yes
|
Extended Warranty Plan
|
|
Travel Concierge Service
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
Yes
|
See Application
|
No
|
No
|
No
|
No
|
No
|
No
|
Travel Concierge Service
|
No
|
No
|
No
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
Travel Concierge Service
|
|
Enhanced Hotel/Dining Services
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
See Application
|
See Application
|
No
|
No
|
No
|
No
|
No
|
No
|
Enhanced Hotel/Dining Services
|
No
|
No
|
No
|
Yes
|
No
|
No
|
No
|
No
|
No
|
No
|
No
|
Enhanced Hotel/Dining Services
|
|
Link to Apply
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Link to Apply
|
|
|
|
|
|
|
|
|
|
|
|
Link to Apply
|
|
Notes:
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
This card has no Foreign
Transaction Fee
|
N/A
|
N/A
|
N/A
|
No
|
N/A
|
Notes:
|
N/A
|
N/A
|
N/A
|
* Up to the first $25,000 total spend on Gas &
Grocery
** Up to the first $25,000 total spend on Drug Store & recurring
bill payments
|
* Up to the first $25,000 total spend on Gas &
Grocery, Drug Store & recurring bill payments
|
* Up to the first $25,000 total spend on Gas &
Grocery, Drug Store & recurring bill payments
|
Automatic membership in the Deluxe TD Auto Club to
all TD Gold Elite Visa cardholders
|
N/A
|
Cash back is in the form of a Costco Rebate coupon
which can be converted to cash at Costco
|
N/A
|
N/A
|
Notes:
|
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