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Canadian Mastercard Welcome Offers

Updated on February 13, 2024

Here you will find all the latest and best Mastercards in Canada that offer travel, cash back and other rewards

Travel Points Credit Cards (with annual fee)


BMO AIR MILES®† World Elite®* MasterCard®*

BMO AIR MILES®† World Elite®* MasterCard®*

Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year*

Annual Fee: $120 | Primary Card $50 Additional Card | Interest Rate: Purchases 20.99% Cash Advances 23.99% (21.99% for Quebec residents)



Terms & Conditions apply




  • Get 3x the Miles for every $12 spent at participating AIR MILES Reward Partners* and 2x the Miles for every $12 spent at any eligible grocery store*
  • Earn 1 reward mile for every $12 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 Travel Pass provided by DragonPass.*
  • Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
  • 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

  • Click here to apply for BMO AIR MILES®† World Elite®* MasterCard®*

*Terms and conditions apply
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

BMO Ascend<sup>TM</sup> World Elite®* Mastercard®*

BMO AscendTM World Elite®* Mastercard®*

Welcome offer: Get up to 90,000 points and the annual fee waived in the first year for both the primary cardholder and authorized users.*
Bonus offer awarded as follows: 45,000 points when you spend $4,500 in the first 3 months, and 3,750 points for each subsequent month in which you make at least $2,500 in purchases on your card, for 12 months.

Annual Fee: $150 Primary Card (Waived in first year) | $50 Secondary Card | Interest Rate: Purchases 20.99% Cash Advances 23.99% (21.99% for Quebec residents)



Terms & Conditions apply




  • 5x the points for every $1 spent on eligible travel purchases,*
  • 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments,*
  • 1 point for every $1 spent everywhere else.*
  • Now get the highest rewards points for travel of any premium flexible travel card in Canada!†
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
  • Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • 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
  • Click here to apply for BMO AscendTM World Elite®* Mastercard®*

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
†Statement based on a comparison of the redeemable value of the non-promotional travel rewards points earned on premium flexible Canadian credit cards as of May 3, 2022. “Flexible” is defined as points earned when you purchase travel anywhere and “premium” refers to cards with an annual fee of ≤ $150 or has an income requirement of ≤ $150,000 annual individual income.


MBNA Rewards World Elite® Mastercard®

Rated as a Points Earning Machine by Rewards Canada. Learn more.



MBNA Rewards World Elite® Mastercard®

Earn up to 30,000 MBNA Rewards Points†

20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening.
10,000 bonus points†† (approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.

$120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).



Terms & Conditions apply




  • Earn 5 points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point for every $1 on all other eligible purchases.
  • Each year, you will receive Birthday Bonus Points equal to 10% of the total number of Points the Account earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.
  • Redeem points for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
  • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers, and 24.99% on cash advances.
  • Mobile Device Insurance***
    With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
  • $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
  • To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater.††††
  • This offer is not available for residents of Quebec.  For residents of Quebec, please click here.
  • Click here to apply for the MBNA Rewards World Elite® Mastercard®

‡ ††, ‡, ✪, ***, ††††, Terms and Conditions apply.

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

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..


National Bank of Canada World Elite Mastercard

National Bank of Canada World Elite® Mastercard®

No welcome bonus offer at this time.

Annual Fee: $150 Primary Card (Waived in first year) | $50 Secondary Card | Interest Rate: Purchases 20.99% Cash Advances 22.49% | $80,000 personal or $150,000 household annual income



Terms & Conditions apply





    • Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
    • 2 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte travel purchases*
    • 1 point per 1 dollar in other purchases

    • Up to $150 each year in refund for travel expenses on airport parking, seat selection, check-in fees, airline ticket upgrades and access to airport lounges worldwide
    • Free and unlimited access along with one (1) guest to the National Bank Bank World MasterCard™ Lounge at Montréal-Trudeau airport.
    • Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 60 days
    • Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
    • Mobile devices insurance against theft or damages for a period of up to 2 years
    • Purchase protection in case of theft or damage* and extended warranty
    • National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index.

  • Click here to apply for National Bank of Canada World Elite Mastercard


Disclaimer

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate 

Average balance 

 

$500 

$3,000 

22.49% 

$9.24 

$55.45 

20.99% 

$8.63 

$51.76 

12.90% 

$5.30 

$31.81 

8.9% 

$3.66 

$21.95 

Details of eligible rewards points

Certain restrictions apply.

For more information, consult the Rewards plan section or the Plan rules regarding how to earn points. The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®.

To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®.

Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points.

To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.

For example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases.

National Bank Lounge conditions

Exclusively available to World Elite Mastercard cardholders. Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free Lounge access and for additional guests, admission is around $37 for adults and $26 for children, plus tax. Admission is free for children under three years old. The entry price may change at any time without notice and at the discretion of the Lounge operator.

Travel and health insurance conditions

Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $150.

Eligible expenses include:

  • airport parking fees
  • baggage fees
  • seat selection fees
  • access to airport lounges worldwide
  • airline ticket upgrades

The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).

This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

Mobile devices protection:

Up to $1,000 in the event of breakage, loss or theft for a maximum of 2 years after the purchase date. The device must have been purchased using your National Bank World Elite Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank World Elite credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.


National Bank of Canada World Mastercard

National Bank of Canada World Mastercard

No welcome bonus at this time.

Annual Fee $115 | Additional Cards: $35 | Annual interest rate 20.99% on purchases and 22.49% on funds advances | $60,000 personal or $100,000 household annual income



Terms & Conditions apply




  • Earn up to 2 points on ALL card purchases without restrictions!
    $0 to $20 000 = 1.25 points per dollar in purchases
    $20 001 to $30 000 = 2 points per dollar in purchases
    $30 001 and more = 1.25 points per dollar in purchases
  • Travel rewards you can benefit from during your next trip abroad or for your vacation closer to home, for example for a car rental
  • Your points can be exchanged towards a wide range of articles and gift-cards, a payment on your credit card balance or a donation to a good cause
  • Purchase protection such as purchase insurance, extended warranty on your purchases and fraud protection
  • • National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index


Disclaimer

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly

Annual interest rate 

Average balance 

 

$500 

$3,000 

22.49% 

$9.24 

$55.45 

20.99% 

$8.63 

$51.76 

12.90% 

$5.30 

$31.81 

8.9% 

$3.66 

$21.95 

*Variable interest rate in effect on September 1, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Details of eligible rewards points

Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.

Travel and health insurance conditions

This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card

 


National Bank of Canada Platinum Mastercard

National Bank of Canada Platinum Mastercard

No welcome bonus at this time.

Annual Fee $89 | Additional Cards: $35 | Annual interest rate 20.99% on purchases and 22.49% on funds advances | No minimum annual income requirement



Terms & Conditions apply




  • Earn up to 2 points per dollar in eligible grocery and restaurant purchases*
  • 1.5 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte travel purchases*
  • 1 point per 1.5 dollars in other purchases
  • Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 10 days
  • Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
  • Mobile devices insurance against theft or damages for a period of up to 2 years
  • Purchase protection in case of theft or damage* and extended warranty
  • National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index.

  • Click here to apply for National Bank of Canada Platinum Mastercard


Disclaimer

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate 

Average balance 

 

$500 

$3,000 

22.49% 

$9.24 

$55.45 

20.99% 

$8.63 

$51.76 

12.90% 

$5.30 

$31.81 

8.9% 

$3.66 

$21.95 

*Variable interest rate in effect on September 1, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Details of eligible rewards points

Certain restrictions apply.

For more information, consult the Rewards plan section or the Plan rules regarding how to earn points. The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 2 points for every dollar in eligible grocery and restaurant purchases until a total of $1,000 in gross monthly purchases is charged to the account. After that, you will earn 1.5 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or speciality food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®. .

To earn 1.5 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®.

Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank Platinum Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points.

To earn 1.5 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.

For example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 1,350 points, as follows: 800 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $1,000), 300 points for gas purchases, 150 points for recurring bill payments and 100 points for other purchases.

Travel and health insurance conditions

This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

Mobile device protection:

The device must have been purchased using your National Bank Platinum Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank Platinum credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card.


National Bank of Canada ECHO Cashback Mastercard

National Bank of Canada ECHO Cashback Mastercard

No welcome bonus at this time.

Annual Fee $30 | Additional Cards: $0 | Annual interest rate 20.99% on purchases and 22.49% on funds advances



Terms & Conditions apply




  • Earn 1.5% cashback on most online purchases, in grocery stores and on gas*
  • Get 1% cashback on all other purchases
  • Apply your cashback as soon as you accumulate $25. You can even access your cashback on the go from any tablet or mobile device!
  • Purchase protection in case of theft or damage*
  • Extended warranty*
  • National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index


Disclaimer

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate 

Average balance 

 

$500 

$3,000 

22.49% 

$9.24 

$55.45 

20.99% 

$8.63 

$51.76 

12.90% 

$5.30 

$31.81 

8.9% 

$3.66 

$21.95 

Cashback Details

All eligible purchases qualify for 1% cashback when your account is in good standing. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). The cashback will be paid as a credit applied to your account and cannot be paid in cash. An additional cashback of 0.5% is granted on the first $25,000 of eligible gas, grocery and online purchases charged annually to your credit card account. The additional cashback of 0.5% does not apply when the total of your annual eligible purchases exceeds $25,000. After that, the cashback equals 1% of eligible purchases, regardless of the type of purchase. For conditions and restrictions that apply to cashback rewards and a full list of codes associated with eligible merchants, refer to the cashback accumulation table [PDF] and the applicable rules [PDF].

Purchase protection and Extended warranty

This coverage applies to purchases charged to the National Bank ECHO cashback card. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card..




Travel Points Credit Cards (No annual fee)


BMO AIR MILES®† MasterCard®*

BMO AIR MILES®† MasterCard®*

Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.*

Annual Fee: $0 | Additional Card Fee: $0 | Interest Rate: Purchases: 20.99% Cash Advances 22.99% (21.99% for Quebec residents)



Terms & Conditions apply




  • Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
  • Get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible grocery store*.
  • Get 1 Mile for every $25 spent everywhere else*
  • Earn more reward miles when you use your card at Shell, National Car Rental and Alamo Rent A Car
  • Extended Warranty
  • Purchase Protection
  • Click here to apply for BMO AIR MILES®† MasterCard®*


BMO eclipse Visa Infinite* Card

BMO eclipse rise Visa* Card

Welcome offer: Get up to 25,000 bonus points in your first year!*

Annual Fee: $0 Primary Card | $0 Additional Card | Interest Rate: Purchases 20.99% Cash Advances 23.99% | Minimum income: N/A



Terms & Conditions apply




  • Welcome offer: Get up to 25,000 bonus points in your first year!*
    - Get 20,000 points when you spend $1,500 - that's a $133 value in your first 3 months!*
    Plus, earn up to 5,000 bonus points:
    - 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points
    - 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months
  • Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
  • Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout.*
  • Get 1 point for every $2 spent on everything else!*
  • Mobile Device Insurance that covers you for up to $1,000*
  • Pay with Points by browsing your recent transactions & redeem your points for as little as $1

  • Click here to apply for BMO eclipse rise Visa* Card

*Terms and conditions apply
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

MBNA Rewards Platinum Plus® Mastercard®



MBNA Rewards Platinum Plus® Mastercard®

Earn up to 10,000 MBNA Rewards Points†

5,000 bonus points†† ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening.
5,000 bonus points†† ($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.

$0 annual fee | $0 Additional Card



Terms & Conditions apply




  • Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible purchases in those categories thereafter – in both cases, these earn rates apply until $10,000 is spent annually in the applicable category. 1 point for every $1 spent on all other eligible purchases.
  • Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points.
  • Redeem points for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
  • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers and 24.99% on cash advances.
  • Mobile Device Insurance***
    With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
  • No annual fee.
  • This offer is not available for residents of Quebec.  For residents of Quebec, please click here.
  • Click here to apply for the MBNA Rewards Platinum Plus® Mastercard®

‡ ††, ‡, ✪, ***, ††††, Terms and Conditions apply.

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

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..

Hybrid / Flexible Points Credit Cards

 



Airline Credit Cards


American Express Gold Rewards Card



Air France KLM World Elite MasterCard® powered by Brim Financial

Receive a 100XP Bonus (enough for Silver Elite Status) and your first year free

Annual Fee: $132 | Additional Card Fee: $50 | Annual interest rate: 19.99% to 24.99%



Terms & Conditions apply




  • 5 bonus Flying Blue Miles per EUR spent on tickets with Air France or KLM
  • Earn 2 Miles per $ spent on food and beverages
  • Earn 1 Mile per $ spent on all purchases
  • Earn up to 30 Miles per $ spent with selected retail partners
  • Purchases with your Air France KLM World Elite MasterCard® extend the validity of your Miles by 2 years
  • Free global Boingo Wi-Fi which includes WestJet flights
  • Mastercard Travel Pass provided by DragonPass
  • Full suite of insurance
  • Click here to apply for the Air France KLM World Elite MasterCard® powered by Brim Financial


WestJet RBC World Elite Mastercard

WestJet RBC World Elite Mastercard

Earn up to 450 welcome WestJet dollars

Receive a Status Lift of $500 in tier qualifying spend for every $15,000 in everyday purchases on your WestJet RBC World Elite Mastercard.

Annual Fee $119 | Additional Cards: $59 | Annual interest rate 19.99% on purchases and 22.99% on funds advances | $80,000 personal or $150,000 household annual income



Terms & Conditions apply




  • Get up to 450 WestJet dollars1 (a value of up to $450 off the base fare). Bonus awarded as follows:
    250 WestJet dollars upon your first purchase1
    200 WestJet dollars when you spend $5,000 in the first 3 months1
  • Annual $119/$399 Companion Flight when you sign up for and receive the WestJet RBC World Elite Mastercard.
  • Earn 1.5% back in WestJet dollars on every purchase you make with your card
  • Earn 2% back in WestJet dollars when you purchase WestJet flights or WestJet Vacations packages with your card
  • Companion flight vouchers are an annual benefit.
  • First bag free for the primary cardholder up to 8 people traveling on the same reservation to anywhere WestJet flies!
  • Companion voucher details:
    • Travel to Canada and the Continental US for $119 CAD
    • Travel to the rest of the WestJet network for $399 CAD

Refer to RBC page for up to date offer terms and conditions


WestJet RBC Mastercard

WestJet RBC Mastercard

Earn up to 100 welcome WestJet dollars (50 after first purchase, 50 after minimum of $1k spend within first 3 months).

Annual Fee $39 | Additional Cards: $19 | Annual interest rate 20.99% on purchases and 22.99% on funds advances



Terms & Conditions apply




  • Get an annual credit card companion voucher for round-trip travel within Canada or the U.S. for $199 CAD (plus taxes, fees and charges)1
  • 1.0% earn on your everyday spending
  • 1.5% earn for WestJet & WestJet Vacations purchases

Hotel Credit Cards

There are no longer any Hotel co-brand Mastercards in Canada

Cash Back Credit Cards


Amazon.ca Rewards Mastercard



Amazon.ca Rewards Mastercard

Special Welcome Offer: get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants for the first 6 months! (Valid on first $3,000 in eligible purchases††.)  

Annual Fee: $0 | Additional Card Fee: $50



Terms & Conditions apply




  • Earn rewards on all your eligible purchases at Amazon.ca—including Whole Foods Market stores in Canada‡!
  • Earn 2.5% back on eligible purchases at Amazon.ca, Whole Foods Market stores in Canada and on foreign currency transactions with an eligible Prime membership‡.
  • Otherwise, get 1.5% back at Amazon.ca and Whole Foods Market stores in Canada‡.
  • Get 1% back on ALL other eligible purchases, wherever Mastercard is accepted‡.
  • Use your rewards at Amazon.ca—apply rewards directly to eligible Amazon.ca items.
  • No annual credit card fee.
  • Click here to apply for the Amazon.ca Rewards Mastercard


BMO CashBack® World Elite®* MasterCard®*

BMO CashBack® World Elite®* MasterCard®*

Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
Get the highest cash back earn rate on groceries in Canada.*

Annual Fee: $120 | Primary Card $50 Additional Card | Interest Rate: Purchases 20.99% Cash Advances 23.99% (21.99% for Quebec residents)



Terms & Conditions apply




Earn more cash back on the categories that mean the most:

  • 5% on groceries*
  • 4% on transit including ride sharing, taxis and public transportation*
  • 3% on gas and electric vehicle charging*
  • 2% on recurring bill payments like your monthly phone bill or favourite streaming service*
  • 1% unlimited cashback on all other purchases*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Complimentary Roadside Assistance Program*
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass (Airport lounge access membership)
  • Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
  • 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


  • Click here to apply for BMO CashBack® World Elite®* MasterCard®*

*Terms and conditions apply
†Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information


BMO CashBack® MasterCard®*

BMO CashBack® MasterCard®*

Welcome offer: Get 5% cash back in your first 3 months*

Annual Fee: $0 | Interest Rate: Purchases 20.99% Cash Advances 22.99% (21.99% for Quebec residents)



Terms & Conditions apply




  • 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!*
  • Now earn the highest cash back on groceries in Canada without paying an annual fee!†
  • Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% 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*
  • Receive a discount on car rentals*
  • Extended Warranty*
  • Purchase Protection*

  • Click here to apply for BMO CashBack® MasterCard®*

*Terms and conditions apply
†Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information


Brim World Elite Mastercard

Brim World Elite Mastercard

Up to $500+ in first time bonuses from Brim merchant partners + no annual fee in the first year

Annual fee: $199 | Additional Cards: $50



Terms & Conditions apply




  • 2 points for every $1 spent up to $25,000 annually
  • 1 point for every $1 spent after that
  • No Foreign Transaction fees
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey
  • Free Global Wi-Fi
  • Comprehensive package of insurance benefits

Brim MasterCard

Brim MasterCard

Up to $200+ in first time bonuses from Brim merchant partners

Monthly fee $0 | Additional Cards: $0



Terms & Conditions apply




  • 1 point for every $1 spent
  • Free Global Wi-Fi
  • No Foreign Transaction fees

Desjardins Cash Back World Elite®Mastercard®

Desjardins Cash Back World Elite®Mastercard®

No welcome bonus at this time

Annual Fee $100 | Additional Cards: $0 for members ($30 for non-members) | Annual interest rate 19.9% on purchases and cash advances | $80,000 personal or $150,000 household annual income



Terms & Conditions apply




  • 4% cash back on eligible grocery purchases
  • 3% cash back on eligible restaurant, entertainment and public transportation purchases
  • 1% cash back on all other purchases
  • Membership in Mastercard Airport Experiences provided by LoungeKey
  • Travel Medical Insurance: Up to $5 million of coverage for the first 3 days
  • Mobile Device Insurance: Up to $1,000
  • Auto Rental Collision/Loss Damage Insurance: Coverage for up to 48 consecutive days.
  • Stay connected with free access to over 1 million Boingo Wi-Fi hotspots worldwide.

  • Click here to apply for Desjardins Cash Back World Elite®Mastercard®

EQ Bank Card

EQ Bank Card

Free withdrawals from any ATM in Canada and Cash back on every purchase

Prepaid Credit Card | Annual fee: $0



Terms & Conditions apply




  • Free withdrawals from any ATM in Canada
  • 0.5% cash back on every purchase
  • Earn 2.50% interest right up until you spend
  • No FX fees, monthly fees, or other hidden fees
  • Free withdrawals from any ATM in Canada



MBNA Smart Cash® World Mastercard®



MBNA Smart Cash® World Mastercard®

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

$39 annual fee | $0 Additional Card | Interest rates: 19.99% purchases 22.99 cash advance | $60,000 personal or $100,000 household income



Terms & Conditions apply




  • Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 1% Cash Back‡ for all other eligible purchases
  • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • Your personal annual income must be greater than $60,000, or your household annual income must be $100,000 or greater††††
  • Take advantage of a card that provides Cash Back on eligible purchases. Apply now for the Smart Cash® World credit card.
  • This offer is not available for residents of Quebec.  For residents of Quebec, please click here.
  • Click here to apply for the MBNA Smart Cash® World Mastercard®

‡ ††, ‡, ✪, ***, ††††, Terms and Conditions apply.

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

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..


MBNA Smart Cash Platinum Plus® Mastercard®



MBNA Smart Cash Platinum Plus® Mastercard®

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

$0 annual fee | $0 Additional Card



Terms & Conditions apply




  • No annual fee
  • Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 0.5% Cash Back‡ for all other eligible purchases
  • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for the Smart Cash® credit card.
  • This offer is not available for residents of Quebec.  For residents of Quebec, please click here.
  • Click here to apply for the MBNA Smart Cash Platinum Plus® Mastercard®

‡ ††, ‡, ✪, ***, ††††, Terms and Conditions apply.

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

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..


Neo Card™ Standard

Neo Credit

Limited time offer: $25 welcome bonus2 when you apply and are approved for a Neo Credit card

Annual Fee $0



Terms & Conditions apply




  • Earn enormous bonuses—like 15%¹ cashback—on your first purchase at most partners.
  • Earn 1% on gas and grocery
  • 0.5% monthly minimum cashback

    Exclusive cashback offers at Neo partners

    • 5% average cashback at restaurants, bars and cafes
    • 3% on popular streaming services
    • 3% on ride sharing services
    • 3% on food delivery services
    • 2%+ at retail partners (online and in-store)

  • Sign up in 3 minutes - and if approved, you can use your Neo Credit instantly via Apple Play or Google Pay
  • Neo helps support local and rewards customers doing it – users can earn cashback from brands such as Netflix, Spotify, DoorDash, Second Cup, Hudson’s Bay Company, and many more.


1 Average based on current offers at select partners. Cashback varies per plan, offer and partner.
2 Limited-time offer. Only new Neo Credit customers are eligible for this offer. This offer is only awarded if a new customer is approved for a Neo Credit. Customer has 90 days to complete the card application process. Offer is subject to the Rewards Policy, the Neo Platform Terms and Conditions and all other applicable terms and conditions. Offer may be amended or cancelled at any time without notice
* Card issued by ATB Financial pursuant to license by Mastercard International Inc.
Mastercard® is a registered trademark, and the circle design is a trademark of Mastercard International Inc.


Neo Card™ Standard

Neo Secured Credit

Limited time offer: $25 welcome bonus2 when you apply and are approved for a Neo Secured Credit card

No monthly or annual fees1 for free Standard rewards plans



Terms & Conditions apply




  • Get an average 5% unlimited cashback3 at thousands of Neo partners, plus earn enormous bonuses - like 15% cashback3 on your first purchase at most partners.
  • Guaranteed approval4 card that earns you cashback
  • Add Security Funds to match your credit limit. Change your limit any time and use your deposit to pay off your bill if you ever need to. .


1 For Quebec: Monthly Statements; No monthly or annual fees; 21-day grace period; Minimum payment is the higher of $10.00 or 5.0% of total statement balance; Purchase rate (19.99%-26.99%) and cash advance rate (21.99%-25.24%).
2 Limited-time offer. Only new Neo Secured Credit customers are eligible for this offer. This offer is only awarded if a new customer is approved for a Neo Secured Credit. Customer has 90 days to complete the card application process. Offer is subject to the Rewards Policy, the Neo Platform Terms and Conditions and all other applicable terms and conditions. Offer may be amended or cancelled at any time without notice
3 Average based on current offers at select partners. Cashback varies per plan, offer and partner
4 Conditions apply.


PC Financial World Elite Mastercard



PC Financial World Elite Mastercard

Earn up to 100,000 bonus PC Optimum points. Apply by July 5, 2023

  1. Earn 20,000 points on your first purchase at a participating store where President’s Choice® products are sold or at an Esso™ or Mobil™ station in Canada.
  2. Earn 20¢/litre in points. On a maximum of 400 litres in fuel at Esso™ and Mobil™ stations in your first 90 days. That’s up to 80,000 points

Annual Fee: $0 Primary Card | $0 Additional Card | Interest Rate: Purchases 20.97% Cash Advances 22.97%



Terms & Conditions apply




  • 30 PC Optimum Points for every $1 spent at Loblaws and PC Travel Purchases
  • 45 PC Optimum Points for every $1 spent at Shoppers Drug Mart
  • 30 PC Optimum Points per litre at Esso and Mobil stations in Canada
  • 10 PC Optimum Points for every $1 spent on all other purchases
  • Free Extended Warranty, Free Purchase Assurance and Mastercard Global Services
  • Click here to apply for the PC Financial World Elite Mastercard

RBC Cash Back Preferred World Elite MasterCard

RBC Cash Back Preferred World Elite MasterCard

Earn up to 1.5% cash back on your spending

Annual fee $99 | Additional Cards: $0 | Annual interest rate: 19.99% on purchases, 22.99% on cash advances and balance transfers



Terms & Conditions apply




  • Unlimited cash back on your spending*
  • Earn up to 1.5% cash back on your spending – big or small
  • Premium benefits and insurances
  • Stay connected with a complimentary Boingo Wi-Fi accountΔ
  • Get a complimentary DashPass subscription from DoorDash for up to 12 months and enjoy unlimited deliveries from qualifying restaurants you love—with $0 delivery fees on orders of $12+ when you pay with an eligible RBC credit card!*
  • Link your RBC card with a Petro-Points membership and instantly save 3¢/L on fuel at Petro-Canada stations and earn 20% more Petro-Points

  • Get $0 delivery fees for 12 months from DoorDash17 - Add your eligible RBC credit card to your DoorDash account to:
    • Get a 12-month complimentary DashPass subscription18 – a value of almost $120
    • Enjoy unlimited deliveries with $0 delivery fees on orders of $12 or more when you pay with your eligible RBC credit card

Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

This post contains affiliate links. Please read our disclaimer for more info.


RBC Cash Back MasterCard

RBC Cash Back MasterCard

2% cash back on groceries

Annual fee $0 | Additional Cards: $0 | Annual interest rate: 19.99% on purchases, 22.99% on cash advances and balance transfers



Terms & Conditions apply




  • Unlimited cash back on your spending*
  • 2% cash back on groceries*
  • Up to 1% cash back on all other qualifying purchases and pre-authorized payments
  • No Annual Fee
  • Link your RBC card with a Petro-Points membership and instantly save 3¢/L on fuel at Petro-Canada stations and earn 20% more Petro-Points

  • Get $0 delivery fees for 3 months from DoorDash14 - Add your eligible RBC credit card to your DoorDash account to:
    • Get a 3-month complimentary DashPass subscription15 – a value of almost $30
    • Enjoy unlimited deliveries with $0 delivery fees on orders of $12 or more when you pay with your eligible RBC credit card

Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

This post contains affiliate links. Please read our disclaimer for more info.


Rogers Connections Mastercard

Rogers Mastercard®

Earn 10% cash back for the first 3 months up to $100

Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 19.99% on purchases and 22.99% on funds advances |



Terms & Conditions apply




  • Rogers Bank cardholders who tap any Rogers credit card using a mobile wallet can get five free rides on the TTC between Nov 1 and Dec 31.
  • 2% cash back - no limits. Exclusively for eligible Rogers, Fido or Shaw customers
  • 2% unlimited cash back on U.S. dollar purchases (for all other customers)
  • 1% unlimited cash back on all other eligible purchases (for all other customers)
  • 50% more cash back every time you redeem for Rogers, Fido or Shaw purchases
  • 5 Roam Like Home days at no cost with an eligible Rogers mobile plan (up to $75 value).
  • Click here to apply for the Rogers Mastercard®


Rogers World Elite Mastercard

Rogers World Elite Mastercard

$25 Welcome Bonus in cash back rewards upon first card purchase within 3 months of receiving your card

Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 19.99% on purchases and 22.99% on funds advances | $80,000 personal or $100,000 annual household income



Terms & Conditions apply




  • Rogers Bank cardholders who tap any Rogers credit card using a mobile wallet can get five free rides on the TTC between Nov 1 and Dec 31.
  • Earn 3% in on all eligible U.S. currency purchases
  • 1.5% on all other eligible purchases
  • Complimentary membership in Mastercard TravelPass by DragonPass - Access to over 1,300 airport lounges worldwide ($32 USD per person per visit)
  • Extended Warranty and Purchase Protection
  • Rental Car Collision/Damage
  • Out-of-Province/Out-of-Country Emergency Medical
  • Trip Interruption and Trip Cancellation.
  • Minimum Income: $80,000 Personal or $150,000 Household
  • Click here to apply for Rogers World Elite Mastercard


Scotia Momentum® Mastercard

Scotia Momentum® Mastercard

7.99% introductory interest rate on purchases for the first 6 months (20.99% after that;  annual fee $0).1

Annual Fee: $0 | Additional Cards: $0



Terms & Conditions apply




  • 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 Mar 1, 2021. Subject to change.
  • Click here to apply for Scotia Momentum® Mastercard


Tangerine World Mastercard®

Tangerine World Mastercard®

Apply for a Tangerine World Mastercard® by April 30, 2024. If you’re approved, you’ll earn an extra 10% back on up to $1,000 in everyday purchases made within your first 2 months..

Annual Fee: $0 | Additional Cards: $0 | Minimum Income: $60,000 personal or $100,000 household



Terms & Conditions apply




  • 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
  • Earn 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
  • 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.
  • Click here to apply for Tangerine World Mastercard®

Tangerine Money-Back Credit Card

Tangerine Money-Back Credit Card

Apply for the Tangerine Money-Back Credit Card by April 30, 2024. If you’re approved, you’ll earn an extra 10% back on up to $1,000 in everyday purchases made within your first 2 months*.

Annual Fee: $0 | Additional Cards: $0 |



Terms & Conditions apply




  • Earn 2% cashback on your choice of up to 2 categories, 0.5% money back 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.
  • Click here to apply for Tangerine Money-Back Credit Card

Walmart Rewards MasterCard

Walmart Rewards MasterCard

Up to $45 bonus Walmart Rewards Dollars when you are approved for the card

Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 19.98% on purchases and 22.97% on funds advances |



Terms & Conditions apply





Walmart Rewards World MasterCard

Walmart Rewards World MasterCard

Up to $45 bonus Walmart Rewards Dollars when you are approved for the card

Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 19.98% on purchases and 22.97% on funds advances | $100,000 annual household income



Terms & Conditions apply




  • Up to $45 bonus Walmart Rewards Dollars when you are approved for the card
  • 3% Walmart Reward Dollars for Walmart.ca purchases
  • 1.25% Walmart Reward Dollars for Walmart in store purchases
  • 1.25% Walmart Reward Dollars for Gas Station purchases
  • 1% Walmart Reward Dollars for all other purchases
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey
  • Free Global Wi-Fi
  • Click here to apply for Walmart Rewards World MasterCard

Student Credit Cards


BMO AIR MILES®† Mastercard®* (Student)

BMO AIR MILES®† Mastercard®* (Student)

Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.*

Annual Fee: $0 | Additional Card Fee: $0 | Interest Rate: Purchases: 20.99% Cash Advances 22.99% (21.99% for Quebec residents)



Terms & Conditions apply





  • Get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible grocery store*
  • Get 1 Mile for every $25 spent everywhere else*
  • Get AIR MILES back every time you spend, plus start building a healthy credit history
  • Best BMO AIR MILES Mastercard for Students
  • Earn more reward miles when you use your card at Shell, National Car Rental and Alamo Rent A Car
  • Extended Warranty
  • Purchase Protection
  • Click here to apply for BMO AIR MILES®† Mastercard®* (Student)


BMO CashBack® MasterCard®*(Student)

BMO CashBack® MasterCard®*(Student)

Welcome offer: Get 5% cash back in your first 3 months (up to $125 cash back) *

Annual Fee: $0 | Primary Card $0 Additional Card | Interest Rate: Purchases 20.99% Cash Advances 22.99% (21.99% for Quebec residents)



Terms & Conditions apply




  • 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!*
  • Now earn the highest cash back on groceries in Canada without paying an annual fee!†
  • Get cash back every time you spend, plus start building a healthy credit history
  • Best BMO CashBack Mastercard for Students
  • 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*
  • No Annual fee*
  • Receive a discount on car rentals*
  • Extended Warranty*
  • Purchase Protection*

  • Click here to apply for BMO CashBack® MasterCard®*(Student)

*Terms and conditions apply
†Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

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