Get $100 with a Money-Back World Mastercard®* Spend $1,500 in your first 3 months to enjoy this Bonus. It’s the no annual fee Credit Card with the most cash back categories to choose from ††. Offer Expires September 30, 2026.
Two Categories – 2% Money-Back Rewards on purchases in two categories of your choice. OR Three categories Deposit your Rewards into a Tangerine Savings Account and get a third 2% Money-Back category. 13 Categories to explore – Groceries, gas, and beyond, choose from 13 categories to suit your spending. And change them up every 90 days to match your purchases.◊
0.5% on everything else.
With Mastercard Travel Rewards, you can unlock cashback offers and get a rebate applied directly to your statement, by using your Tangerine® Money-Back World Mastercard®* at select merchants that accept Mastercard while travelling outside of Canada.
Save on the things you love with your Tangerine® Money-Back World Mastercard®*. Enjoy special benefits and offers from a growing lineup of on-demand apps and subscription services made available to you as a Tangerine® Money-Back World Mastercard®* cardholder.
Make the most of your travel with Mastercard® Travel Pass Provided by DragonPass. Your complimentary membership gives you exclusive dining, retail and spa offers in over 650 airports worldwide, along with access to over 1,300 airport lounges at $32 USD per visit. Learn more at Mastercard® Travel Pass.
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.
费率及费用
年费
4.5 加元
最低押金
不适用
常规年利率
20.95% / 22.95%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
No annual fee.
Choose the 2% cash-back categories based on your spending.
Mobile phone and rental car insurance.
缺点
Must have a Tangerine savings account to unlock 3rd cash-back category.
Get $100 with a Money-Back World Mastercard®* Spend $1,500 in your first 3 months to enjoy this Bonus. It’s the no annual fee Credit Card with the most cash back categories to choose from ††. Offer Expires September 30, 2026.
Two Categories – 2% Money-Back Rewards on purchases in two categories of your choice. OR Three categories Deposit your Rewards into a Tangerine Savings Account and get a third 2% Money-Back category. 13 Categories to explore – Groceries, gas, and beyond, choose from 13 categories to suit your spending. And change them up every 90 days to match your purchases.◊
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.
$39 annual fee.
Standard Annual Interest Rates of 21.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 22.99% on cash advances.
Your personal annual income must be greater than $50,000, or your household annual income must be $80,000 or greater††††
Take advantage of a card that provides Cash Back on eligible purchases.
费率及费用
年费
39 加元
最低押金
不适用
常规年利率
of 21.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 22.99% on cash advances.
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
Low $39 annual fee.
Up to nine free authorized users.
缺点
2% earn rate is capped at $500 per month.
Minimal insurance coverage.
Accelerate cash back on common purchases!
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).
Welcome Offer: Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back).†
Plus, get 2% cash back on eligible grocery purchases!†
1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments†
0.5% cash back on all other purchases†
Get cash back on demand - redeem your cash back at any time when you have a minimum of $10 through CIBC Online and Mobile Banking®
Get a free Skip+ membership when you link your eligible CIBC credit card. Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.†
Fuel up for less - Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else.
费率及费用
年费
0 加元
最低押金
不适用
常规年利率
21.99% / 22.99%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
No annual fee.
Redeem cash-back rewards any time.
Gas discounts of up to 10 cents per litre.
缺点
Limited insurance coverage.
0.5% base earn rate.
Welcome Offer: Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back).†
Plus, get 2% cash back on eligible grocery purchases!†
Get up to 110,000 Points: You’ll receive 20,000 Aeroplan points when you make your first purchase, another 30,000 points if you spend $6,000 or more during your first four monthly statement periods, and 60,000 more points as an additional anniversary bonus if you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods. This offer only applies to newly approved card accounts.
2x Aeroplan points on Air Canada purchases, including Air Canada Travel Vacations.
1.5x Aeroplan points on gas, electric vehicle charging, groceries, travel and dining, up to annual $100,000 spend.
1.25x Aeroplan points on other purchases.
Earn points twice by providing your Aeroplan number at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore.
Points can be redeemed for flights, car rentals and hotel stays, as well as complete vacation packages like cruises and all-inclusive resort visits. Points can also be redeemed for gift cards and merchandise sold through the Aeroplan eStore.
$599 annual fee, which can be reduced by up to $139 each year if you have a CIBC Smart Plus account.
An annual Worldwide Companion Pass, worth up to $599, to any destination in the world that Air Canada flies when you spend $25,000 on your card.
费率及费用
年费
599 加元
最低押金
不适用
常规年利率
20.99% / 22.99%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
Unlimited Maple Leaf Lounge visits, plus six complimentary VISA Airport Companion Program passes annually.
Free checked bags.
Priority check in, boarding and baggage handling.
缺点
Steep $599 annual fee.
$150,000 individual or $200,000 household annual income requirement.
Get up to 110,000 Points: You’ll receive 20,000 Aeroplan points when you make your first purchase, another 30,000 points if you spend $6,000 or more during your first four monthly statement periods, and 60,000 more points as an additional anniversary bonus if you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods. This offer only applies to newly approved card accounts.
2x Aeroplan points on Air Canada purchases, including Air Canada Travel Vacations.
In your first 3 months as a new SimplyCash® Card from American Express Cardmember, you can earn a bonus 5% cash back on all purchases (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates. That’s up to $100 in bonus cash back.
Earn 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually), and 1.25% cash back on all other eligible purchases.
Access events and special offers curated for Cardmembers with Amex Experiences™
Insurance coverage and 24/7 Customer Service.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment
费率及费用
年费
0 加元
最低押金
不适用
常规年利率
21.99% / 21.99%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
No annual fee.
Travel accident insurance.
High 1.25% cash-back base rate.
缺点
Highest cash-back rate is just 2%.
No travel perks outside of accident insurance.
In your first 3 months as a new SimplyCash® Card from American Express Cardmember, you can earn a bonus 5% cash back on all purchases (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates. That’s up to $100 in bonus cash back.
Earn 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually), and 1.25% cash back on all other eligible purchases.
New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points.
Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months
Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13
You could earn up to $4,400 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $1,700 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $1,760 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. Terms and usage assumptions apply.
Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide
Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card
Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*.
Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else.
费率及费用
年费
599 加元
最低押金
不适用
常规年利率
21.99% / 21.99%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
Up to 3x points on eligible dollars spent.
Free Maple Leaf Lounge access, plus a complimentary Priority Pass membership.
Free checked bags.
Priority check-in, boarding and baggage handling.
缺点
Steep $599 annual fee.
Priority airport services only apply to Air Canada itineraries.
Pay-per use rates apply to Priority Pass lounges.
New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points.
Earn up to 10,000 bonus Scene+ points within your first 3 months (that’s up to $100 towards travel).¹
Earn 3x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco and more
Earn 2x Scene+ points¹ for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
Earn 2x Scene+ points¹ for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
Earn 2x Scene+ points¹ for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more
Earn 2x Scene+ points¹ for every $1 you spend on eligible select streaming services
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
费率及费用
年费
0 加元
最低押金
不适用
常规年利率
21.99% / 22.99%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
Great earn rates on everyday purchases.
Includes mobile device insurance.
Enjoy special offers, experiences and more with American Express Invites.
缺点
Limited insurance — only includes mobile device coverage, purchase security, and extended warranty.
No Amex Membership Rewards — only earns Scene+ points, which have limited redemption options and can’t be transferred to airline or hotel programs.
Earn up to 10,000 bonus Scene+ points within your first 3 months (that’s up to $100 towards travel).¹
Earn 3x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco and more
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!*
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.*
Extended Warranty.*
Purchase Protection.*
费率及费用
年费
4.55 加元
最低押金
不适用
常规年利率
21.99% / 23.99%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
No annual fee.
Redeem cash-back rewards of as little as $1 whenever you want.
缺点
Highest cash back rate only applies to the first $500 spent per billing cycle.
Low 0.5% baseline rate.
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 up to $650 in value and the annual fees waived in the first year. Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
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.*
Extended warranty and purchase protection*
Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing – a $75/year value.
BMO CashBack World Elite Travel and Medical Protection.*
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada.
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
费率及费用
年费
139 加元
最低押金
不适用
常规年利率
以发卡行为准
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
Redeem cash back at any time.
Discounted airport lounge access for $32 USD per visit.
缺点
$80,000 individual or $150,000 household annual income requirement.
Get up to $650 in value and the annual fees waived in the first year. Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
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 up to 25,000 bonus points for your first anniversary.
Get 20,000 points when you spend $1,500 in the first 3 months - that's a $133 value!* Plus, earn up to 5,000 bonus points every year. 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points - that's just 1,000 points per month! 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 5 points for every $2 spent on recurring bills, 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.
Purchase Protection.*
Extended Warranty.*
费率及费用
年费
0 加元
最低押金
不适用
常规年利率
21.99% / 23.99%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
No annual fee.
Up to 5,000 bonus points annually.
Mobile device coverage.
缺点
No travel insurance.
Low base earn rate of 0.5x per $1 spent.
Get up to 25,000 bonus points for your first anniversary.
Get 20,000 points when you spend $1,500 in the first 3 months - that's a $133 value!* Plus, earn up to 5,000 bonus points every year. 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points - that's just 1,000 points per month! 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months.
Get up to $1,150 in value including up to 70,000 Bonus points, monthly streaming statement credit, $50 statement credit, and no annual fee in your first year.*
Earn 5x the BMO Rewards points on groceries, dining, gas and transit.*
Get 1 BMO Reward for every $1 spent on everything else.*
Get a $50 annual lifestyle credit to spend however you want.*
Mobile Device Insurance that covers you for up to $1,000.*
Earn 10% more points when you add an authorized user to your account.*
Pay with Points by browsing your recent transactions & redeem your points for as little as $1.
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
费率及费用
年费
120 加元
最低押金
不适用
常规年利率
以发卡行为准
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
$50 statement credit annually.
Earn up to 10% more points when you add an authorized user to your account.
缺点
Limited travel insurance.
No airport perks.
Get up to $1,150 in value including up to 70,000 Bonus points, monthly streaming statement credit, $50 statement credit, and no annual fee in your first year.*
Earn 5x the BMO Rewards points on groceries, dining, gas and transit.*
Welcome Offer: Get up to $1,600 in value and the annual fees waived in the first year*. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee*.
Earn 10 Points for every $1 spent at participating Blue Rewards Partners*. Earn 2 Points for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchases*. Earn 1 Point for every $1 spent on everything else*.
$200 NEXUS Statement Credit in your first year*
Airport lounge access with complimentary membership in Mastercard Travel Pass provided by DragonPass, plus 4 free passes per calendar year.*
Earn additional Points on top of your credit card Points when you use your physical or digital Blue Rewards Member Card at checkout*
Get the $150 annual fee rebated annually with our BMO Premium Chequing Account*
Unlock exclusive offers at top brands through Blue Rewards offers
Out-of-province/out-of-country emergency medical insurance up to $5 million per insured person, per trip - up to 15 consecutive days.*
费率及费用
年费
150 加元
最低押金
不适用
常规年利率
以发卡行为准
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
Mastercard Travel Pass membership, with 4 free DragonPass airport lounge passes per year.
Earn 10 Blue Miles per dollar spent on select purchases.
Auto perks, including roadside assistance and car rental insurance.
缺点
Minimum income requirements may be too high for the average applicant.
Bonus earn rate purchases are capped at $1,000 per month.
Non-travel benefits are somewhat limited.
Welcome Offer: Get up to $1,600 in value and the annual fees waived in the first year*. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee*.
Earn up to $600 in value†, includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500† and receive an Annual Fee rebate for the first year†. Conditions apply.
24/7 Emergency Roadside Assistance with Free Deluxe TD Auto Club membership†.
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
Earn 1% Cash Back Dollars on all other Purchases.†
费率及费用
年费
0 加元
最低押金
不适用
常规年利率
: 21.99% on purchases and 22.99% on cash advances.
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
Medical, baggage and car rental coverage.
Free Deluxe TD Auto Club Membership.
Solid 3% earn rate on everyday categories.
缺点
Higher than average $139 annual fee for a cash-back card.
3% earn rate is capped at $15,000 per year.
Earn up to $600 in value†, includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500† and receive an Annual Fee rebate for the first year†. Conditions apply.
24/7 Emergency Roadside Assistance with Free Deluxe TD Auto Club membership†.
Up to $500 in value†, including up to 20,000 Aeroplan points† could be yours and receive an annual fee rebate for the first year†. Conditions Apply.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Earn 1 Aeroplan point for every $1 you spend on eligible gas, electric vehicle charging, grocery and Air Canada® purchases, including Air Canada Vacations®†.
Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® VISA Platinum* Cardholder.
Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
费率及费用
年费
89 加元
最低押金
不适用
常规年利率
21.99% / 22.99%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
Low $89 annual fee.
Decent travel insurance.
缺点
No airport perks.
Low base rate of 0.67 point per $1 spent.
Up to $500 in value†, including up to 20,000 Aeroplan points† could be yours and receive an annual fee rebate for the first year†. Conditions Apply.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while the offer is in effect.
Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening and receive an Annual Fee rebate for the first year†. Conditions Apply. Rebate of the Annual Fee is only for the first year for the Primary Cardholder. To receive the first-year Annual Fee rebate for the Primary Cardholder, you must apply, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
Feel prepared, even during uncertain times. The TD Low Rate VISA信用卡* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.
With the TD Low Rate VISA信用卡* Card you can enjoy great financial flexibility for your everyday purchases.
Save on interest with a low annual interest rate of 12.90%† for Purchases and Cash Advance transactions.
Option to purchase Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†.
Earn more Starbucks Stars at participating Starbucks® stores. Conditions apply.
Enjoy all of the benefits of your TD Low Rate VISA信用卡* Card when using Apple Pay† or Samsung Pay†. It's an easy and secure way to pay.
Cardholders must be Canadian residents of the age of majority in their province/territory of residence.
费率及费用
年费
25 加元
最低押金
不适用
常规年利率
12.90%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
Low $25 annual fee.
Low 12.9% interest rate.
Discounts of at least 5%-10% on Avis and Budget rentals.
缺点
Doesn’t earn rewards.
Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening and receive an Annual Fee rebate for the first year†. Conditions Apply. Rebate of the Annual Fee is only for the first year for the Primary Cardholder. To receive the first-year Annual Fee rebate for the Primary Cardholder, you must apply, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
Feel prepared, even during uncertain times. The TD Low Rate VISA信用卡* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.
With the TD Low Rate VISA信用卡* Card you can enjoy great financial flexibility for your everyday purchases.
Earn a value of $100† in TD Rewards Points† to use on eligible Amazon.ca purchases plus, no Annual Fee. Conditions Apply.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD†.
Earn 3 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit†.
Earn 2 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
Earn 1 TD Rewards Points for every $1 you spend on other Purchases made using your Card†.
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Your Points are worth more when you redeem through Expedia For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
费率及费用
年费
25 加元
最低押金
不适用
常规年利率
21.99% / 22.99%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
No annual fee.
Earns points on a variety of everyday spending categories.
Discounts of at least 5%-10% on Avis and Budget rentals.
缺点
Highest earn rate restricted to Expedia travel bookings.
Earn a value of $100† in TD Rewards Points† to use on eligible Amazon.ca purchases plus, no Annual Fee. Conditions Apply.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD†.
Get up to 14,000 Avion points^ - that's up to $100 of value in gift cards†! Apply by November 4, 2026.
Earn 1.5X Avion points¹ on:
Grocery - Satisfy your taste buds by earning points on groceries.ⁱ
Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging.ⁱⁱ
Streaming, Digital Gaming & Subscriptions – Stay entertained while earning points on streaming, gaming, eligible digital subscriptions, eligible digital downloads, and in-game purchases.ⁱⁱⁱ
Earn 1 Avion point for every $1 spent on all other qualifying purchases.¹
Pay With Points - Redeem your Avion points to pay bills, your credit card balance or even send money to friends with Interac e-Transfer⁴. Minimum redemption is only $10, so you can use your points where you need them most.
Save at Petro-Canada - Save 3¢/L on fuel and earn 20% more Petro-Points and 20% more Avion points when you pay with a linked RBC card.⁴
费率及费用
年费
4.45 加元
最低押金
不适用
常规年利率
20.99% / 22.99%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
No annual fee.
Fuel discounts of 3 cents per litre at Petro-Canada.
缺点
Limited insurance coverage.
Low 1x - 1.5x earn rate.
Get up to 14,000 Avion points^ - that's up to $100 of value in gift cards†! Apply by November 4, 2026.
45x PC Optimum points per dollar on Shoppers Drug Mart purchases, equivalent to 4.5% back.
30x PC Optimum points per dollar on Loblaw banner grocery store purchases, equivalent to 3% back.
30x PC Optimum points per dollar per litre of gas purchased at Esso and Mobil gas stations, equivalent to 3 cents/L back.
10x PC Optimum points per dollar on all other purchases, equivalent to 1% back.
Redeem 10,000 points for free products and groceries at participating stores. Redeem 10,000 for a $7 statement credit to pay down your balance or for any car wash (including premium) at Esso stations.
No annual fee.
24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more.
Access to identity theft services to help you avoid identity theft or restore your identity if stolen.
费率及费用
年费
0 加元
最低押金
不适用
常规年利率
21.99% / 22.97%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
No annual fee.
Up to 4.5% back in everyday spending.
Some travel insurance.
缺点
High $80,000 individual or $150,000 household annual income requirement.
Highest earn rate limited to drugstore spending.
Points only redeemable at participating Loblaw-owned stores, Shoppers Drug Mart/Pharmapix, and Esso gas stations.
45x PC Optimum points per dollar on Shoppers Drug Mart purchases, equivalent to 4.5% back.
Receive 1% cash back¹ on every eligible purchase made with your Home Trust Preferred VISA信用卡*.
CashBack Rewards earned are displayed every month on your statement, and the total amount earned for the previous year will be provided to you as a credit in January.
No annual fee.
Use your Home Trust Preferred VISA on purchases made in foreign currencies without added foreign exchange fees², whether you’re spending while abroad or shopping online at home.
Worldwide access from anywhere you are, for hotel and travel reservations or shopping in-store and online. Access cash at over 2.5 million ATMs in more than 200 countries and territories worldwide.
Manage your VISA account easily and securely — at any time, and from anywhere. Get your balance and view your transactions at Home Trust VISA Online.
Purchase Security³: insures eligible items against theft or damage for 90 days from the date of purchase.
Manage your Home Trust VISA account easily and securely — at anytime from anywhere in the world. View the card’s balance, transactions and pay bills online at Home Trust VISA Online.
费率及费用
年费
0 加元
最低押金
不适用
常规年利率
21.99%
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
No annual fee.
No foreign exchange fees.
No caps on cash back.
缺点
No travel insurance.
Not available in Quebec.
Receive 1% cash back¹ on every eligible purchase made with your Home Trust Preferred VISA信用卡*.
CashBack Rewards earned are displayed every month on your statement, and the total amount earned for the previous year will be provided to you as a credit in January.
Get up to 70,000 WestJet points¹: 30,000 WestJet points upon your first purchase, 30,000 WestJet points when you spend $5,000 in the first 3 months, 10,000 WestJet points after first year anniversary.
Check your first bag for free for the primary cardholder and up to 8 guests on the same reservation when you pay with your WestJet RBC World Elite Mastercard⁴
Cardholders can now achieve Silver, Gold and even Platinum Status with a Status Lift up to 50 times per year – you’ll earn 200 CAD in tier qualifying spend for every $5,000 in purchases on your card⁵
Receive an annual round-trip companion voucher (World Elite Companion Voucher) starting from $119 CAD (plus taxes, fees, surcharges and other ATC) when you spend a minimum of $5,000 annually on your card⁵, or choose to exchange it for one of the following: a 30% flight discount for one traveller⁸, a $200 credit towards a WestJet Vacations package or Sunwing Vacations package⁹, or two airport lounge passes¹⁰
Earn 2 points for every dollar you spend on WestJet flights, WestJet Vacations, and Sunwing Vacations²
Earn 2 points for every dollar you spend at grocery stores and on transportation including gas, EV charging, public transit and rideshare³
Earn 1.5 points for every dollar you spend on all other everyday purchases²
WestJet points can now be redeemed to cover taxes, fees and surcharges⁹
费率及费用
年费
199 加元
最低押金
不适用
常规年利率
以发卡行为准
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
Annual companion pass from $119.
Free checked bags for you and up to 8 guests.
Full suite of travel insurance.
缺点
DragonPass membership only — airport lounge visits cost extra.
High $80,000 minimum income requirement.
Get up to 70,000 WestJet points¹: 30,000 WestJet points upon your first purchase, 30,000 WestJet points when you spend $5,000 in the first 3 months, 10,000 WestJet points after first year anniversary.
Check your first bag for free for the primary cardholder and up to 8 guests on the same reservation when you pay with your WestJet RBC World Elite Mastercard⁴
Earn up to 20,000 MileagePlus miles: 5,000 miles on card activation and first transaction and an additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application.
Renewal Bonus: 5,000 miles per year when account remains open and active with eligible spend within 365 days.
Earn miles faster on every flight - Earn miles from United and your card—helping you build miles faster than non-cardholders.¹³
Earn 1.25 miles per $1 on United & Star Alliance flights, 1 mile per $1 on dining & groceries, and .75 miles per $1 everywhere else.
Earn extra MileagePlus miles at over 10,000 Neo partners across Canada⁶
Free checked bag - Your first checked bag is covered on all your future United flights.¹
Priority boarding - Be among the first to board with Group 2 priority boarding for you and your family.²
Nexus credit - Enjoy a credit on your Nexus application fee (USD $120+ value).⁷
费率及费用
年费
89 加元
最低押金
不适用
常规年利率
以发卡行为准
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
Free first checked bag on eligible United flights.
Group 2 priority boarding.
NEXUS statement credit.
缺点
$89 annual fee.
High income requirement.
Best value depends on flying United regularly.
Earn up to 20,000 MileagePlus miles: 5,000 miles on card activation and first transaction and an additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application.
Earn 35,000 Asia Miles upon sign-up and 25,000 additional Asia Miles after spending $5,000 in 90 days.
Earn 4 Asia Miles per $1 spent on Cathay Pacific purchases & earn 2 Asia Miles on foreign currency purchases. Earn 1 Asia Mile per $1 spent on everyday purchases in Canada.
Earn an average of 5x the Asia Miles" at thousands of Neo partners, and up to 15x miles" on first-time purchases
Secured option available with guaranteed approval® - no credit history required
Experience the world in a whole new way: Access exclusive benefits and make every trip memorable - including access to more than 1,300 airport lounges worldwide', and Mastercard Travel Rewards' while you're abroad.
Travel worry-free with comprehensive coverage: Protect yourself when you travel with coverage' for emergency medical care, trip cancellation, lost luggage, and more - so you can relax and enjoy your trip.
Your multi-tool for money: Unlock the power of Neo and manage your card in real-time, track your spending insights", and get proactive alerts and notifications - all from the palm of your hand, with the Neo app.
Get exclusive membership perks: Online priority check-in, extra baggage redemption, and Cathay Pacific Business class lounge redemption access.
费率及费用
年费
180 加元
最低押金
不适用
常规年利率
of 19.99% to 26.99%.
购卡介绍期 APR
不适用
余额转移介绍期 APR
不适用
EasyDecide 的观点
优点
Extensive travel coverage.
Priority airport services.
Discounted airport lounge access for $32 USD per visit.
缺点
High purchase interest rates of 19.99% to 26.99%.
$80,000 individual or $150,000 household annual income requirement.
Not available to Quebec residents.
Earn 35,000 Asia Miles upon sign-up and 25,000 additional Asia Miles after spending $5,000 in 90 days.
