Filter : Cash Back Credit Cards

Take on the world, get an extra 10% back* on everyday purchases.


Apply for a Tangerine World Mastercard^® by January 31, 2025 and earn an extra 10% back*
(up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*


Transfer and save
Feel your stress melt away with a low promotional interest rate on transferred credit card balances. Transfer your balance from another credit card to a Tangerine World Mastercard^® and pay an interest rate of only 1.95% on the transferred balance for the first 6 months (22.95% after that.) A Balance Transfer Fee of 1% on the amount transferred will apply. Conditions apply.^†



FEATURES

• Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice
  
• 0.5% Money-Back Rewards on all other purchases.
  
• Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  
• Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
  
• No limit on the amount of Money-Back Rewards you can earn.
  
• Change your 2% Money-Back Categories to suit your spending.
  
• Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.
  
• No annual fee

Plus the following:

Rental Car Collision/Loss Damage Insurance**
Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card.

Mobile Device Insurance**
Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure.

Mastercard^® Travel Pass Provided By DragonPass***
Make the most of your travel with Mastercard^® Travel Pass Provided by DragonPass. Your complimentary membership gives you exclusive dining, retail and spa offers in over 650 airports worldwide, along with access to over 1,300 airport lounges at $32 USD per visit. Learn more at mastercardtravelpass.dragonpass.com



Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account. Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Forward Banking is a registered trademark of Tangerine Bank.

®/TM Mastercard and the Mastercard Brand Mark are registered trademarks and tap & go is a trademark of Mastercard International Incorporated.

Applicants will have to consent to a credit check as part of the application process. Accounts must be in Good Standing in order to receive Money-Back Rewards.

Balance Transfers are treated as Cash Advances and interest applies from the transaction date that appears on your monthly statement to the date you repay the balance in full. There is no interest-free grace period on Cash Advances or Balance Transfers.

*Rewards Promotional Offer:
The Tangerine 10% Limited Time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine World Mastercard (the “Account”) by January 31, 2025, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine World Mastercard is activated. “Net Purchases” include purchases charged to the Account (less any refunds, returns or other similar credits) but do not include payments, Cash Advances (including Balance Transfers and Cash-Like Transactions), interest, fees, insurance premiums, adjustments or other charges. The Offer Bonus of 10% (up to $100) will be credited to the Primary Cardholder’s Account within 1-2 statement cycles after the 60-day promotional period provided the Account is open and in Good Standing at time of payout. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.

^†Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee). Please visit Tangerine to view complete Terms and Conditions.

Life’s back in session. Enjoy it with an extra 10% back.*


Apply for a Tangerine Money-Back Credit Card by January 31, 2025 and earn an extra 10% back
(up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*


Transfer and save
Feel your stress melt away with a low promotional interest rate on transferred credit card balances. Transfer your balance from another credit card to a Tangerine Money-Back Credit Card and pay an interest rate of only 1.95% on the transferred balance for the first 6 months (22.95% after that.) A Balance Transfer Fee of 1% on the amount transferred will apply. Conditions apply.^†



FEATURES

• Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice
  
• 0.5% Money-Back Rewards on all other purchases
  
• Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category
  
• Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account
  
• No limit on the amount of Money-Back Rewards you can earn
  
• Change your 2% Money-Back Categories to suit your spending
  
• Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account
  
• No annual fee

Additional Card Benefits:

• 2.5% Foreign Conversion Fee
  
• Free Cards for Authorized Users on your Account
  
• Purchase Assurance and Extended Warranty¹ – For most new purchases made anywhere in the world using your Tangerine Money-Back Credit Card, you may receive a lifetime maximum of up to $60,000 for the following insurance coverage:
  ⋄ Purchase Assurance, which may automatically cover loss, theft or damage, in excess of other insurance, for 90 days from the date of purchase; and
  ⋄ Extended Warranty, which may double the period of repair services, to a maximum of one additional year, when the original manufacturer’s warranty expires.
  
  
• Add your Tangerine Money-Back Credit Card to the Wallet app on your Apple® device and use Apple Pay pretty much everywhere you love to shop. Look for the Apple Pay or contactless logo. It’s simple and secure. Learn more.

MasterCard^® Benefits:

• Accepted worldwide at more than 24 million locations in over 210 countries
  
• MasterCard Zero Liability
  
• MasterCard Tap & Go^TM

Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account. Tangerine is a registered trademark of The Bank of Nova Scotia, used under license. Forward Banking is a registered trademark of Tangerine Bank.

®/TM Mastercard and the Mastercard Brand Mark are registered trademarks and tap & go is a trademark of Mastercard International Incorporated.

Applicants will have to consent to a credit check as part of the application process. Accounts must be in Good Standing in order to receive Money-Back Rewards.

Balance Transfers are treated as Cash Advances and interest applies from the transaction date that appears on your monthly statement to the date you repay the balance in full. There is no interest-free grace period on Cash Advances or Balance Transfers.

*Rewards Promotional Offer:
The Tangerine 10% Limited Time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine World Mastercard (the “Account”) by January 31, 2025, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine World Mastercard is activated. “Net Purchases” include purchases charged to the Account (less any refunds, returns or other similar credits) but do not include payments, Cash Advances (including Balance Transfers and Cash-Like Transactions), interest, fees, insurance premiums, adjustments or other charges. The Offer Bonus of 10% (up to $100) will be credited to the Primary Cardholder’s Account within 1-2 statement cycles after the 60-day promotional period provided the Account is open and in Good Standing at time of payout. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.

^†Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee). Please visit Tangerine to view complete Terms and Conditions.

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards.

Offer valid November 1, 2024 - October 31, 2025.



FEATURES

• Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases.
  
  
• Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
  
  
• Earn 1% cash back on all other purchases with no cash back limit.
  
  
• Visa Infinite* Concierge Services
• Visa Infinite* Hotel Collection
• Visa Infinite* Dining and Wine Country program
• Comprehensive Travel Insurance & New Mobile Device Insurance coverage

Rates, fees and other information are effective as of November 1, 2024. Subject to change.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.


* See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

Earn up to $500 in value^†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500^†.

Conditions Apply. Account must be approved by January 6, 2025.



OFFER DETAILS

Earn up to $500 in value^†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500^†. Conditions Apply. Account must be approved by January 6, 2025.

• Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made^†
  
• Get an Annual Fee Rebate for the first year^†
  

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 by January 6, 2025.




FEATURES

• Earn Cash Back Dollars on every eligible purchase
• Emergency Road Services with Deluxe TD Auto Club Membership^†
• Complimentary Visa Infinite* Concierge service^† available 24/7
• Mobile Device Insurance^†

Earning Cash Back

• Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases^†, and on regularly recurring bill payments^† set up on your account
• Earn 1% Cash Back Dollars on all other Purchases made with your Card^†
• Redeem your Cash Back Dollars to help pay down your Account balance whenever you please - the choice is yours!^†
• Your Cash Back Dollars never expire as long as your account is open and in good standing

^† Terms and conditions apply.

This offer is not available for residents of Quebec.

Sponsored content.

The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

Earn up to $250 in bonus value.

Earn a bonus 10% cash back on all purchases for your first 3 months (up to $2,000 in purchases). Plus, earn a $50 statement credit when you make a purchase in month 13. This could add up to $250 in bonus value in your first 13 months.



FEATURES

• Earn accelerated earn rates on eligible gas and grocery purchases.
  
  
• Earn 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually) and 2% cash back on all other purchases.
  
  
• Access events and special offers curated for Cardmembers with Amex Experiences^TM.
  
  
• Extensive insurance coverage and 24/7 Customer Service.

Monthly Fee: $9.99 (Equals a total fee of $119.88 annually)


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, we may receive compensation from American Express, which can be in the form of monetary payment.

Earn up to $100 in bonus cash back.

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.



FEATURES

• 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^TM.
  
  
• 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, we may receive compensation from American Express, which can be in the form of monetary payment.

Welcome offer:

Get 7,000 bonus rewards points upon approval^† (up to $70 value).
No annual fee for the first year, including on additional cards^‡

Offer expires December 31, 2024.
Meridian Visa cards are available to Ontario residents only.



FEATURES

Annual fee is waived for the first year

• Earn 4 reward points for every $1 spent on gas and groceries
• Earn 2 reward points for every $1 spent on pharmacy and utility bill payments
• Earn 1 reward point for every $1 spent on other eligible purchases

Redeem your cash back rewards the way you want.
Earn rewards on your everyday purchases and redeem for gift cards, merchandise, travel or account credit.


Insurance and Services

• Travel Emergency Medical
• Common Carrier Travel Accident
• Trip Cancellation and Trip Interruption/Delay
• Delayed/Lost/Damaged Baggage
• Auto Rental Collision/Loss Damage
• Mobile Device
• Purchase Protection and Extended Warranty
• Price Protection
• Travel Assistance

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^†The 7,000 bonus points offer is available for all new Personal Meridian credit card account holders who apply for a Meridian credit card between October 1 and December 31, 2024, and are approved by the Credit department. This offer may not be combined or used in conjunction with any other offer. It is not available to existing Meridian credit cardholders. A maximum of 7,000 bonus points per Member is allowed. Please allow up to two billing cycles for bonus points to post to your account. Meridian reserves the right to cancel, modify or withdraw this offer at any time.

^‡First year free is a limited time offer for primary and additional cards. The annual fee will appear on initial statement and a credit will be applied on the same statement. Meridian reserves the right to modify or withdraw this offer at any time without prior notice.

Meridian Visa Infinite Cash Back Card Disclosure Statement and Cardholder Agreement available for review. Membership with Meridian Credit Union is a regulatory requirement to hold a Meridian Visa. You are not required to have other Meridian Credit Union products.

Refer to Meridian Credit Union’s page for up to date offer terms and conditions.

Legal references and product terms are available on the Meridian Credit Union website where the client will be directed during the onboarding process to review and agree to them.

This post contains affiliate links.

GCR may engage in affiliate marketing, which is done by embedding tracking links into greatcanadianrebates.ca. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

Welcome offer:

Get 7,000 bonus rewards points upon approval^† (up to $70 value).

Offer expires December 31, 2024.
Meridian Visa cards are available to Ontario residents only.



FEATURES

No annual fee for primary or additional cardholders

• Earn 2 reward points for every $2 spent on gas and groceries
• Earn 2 reward points for every $2 spent on pharmacy and utility bill payments
• Earn 1 reward point for every $2 spent on other eligible purchases

Redeem your cash back rewards the way you want.
Earn rewards on your everyday purchases and redeem for gift cards, merchandise, travel or account credit.


Insurance and Services

• Common Carrier Travel Accident
• Mobile Device
• Purchase Protection
• Extended Warranty
• Price Protection

---

^†The 7,000 bonus points offer is available for all new Personal Meridian credit card account holders who apply for a Meridian credit card between October 1 and December 31, 2024, and are approved by the Credit department. This offer may not be combined or used in conjunction with any other offer. It is not available to existing Meridian credit cardholders. A maximum of 7,000 bonus points per Member is allowed. Please allow up to two billing cycles for bonus points to post to your account. Meridian reserves the right to cancel, modify or withdraw this offer at any time.

Meridian Visa Cash Back Card Disclosure Statement and Cardholder Agreement available for review. Membership with Meridian Credit Union is a regulatory requirement to hold a Meridian Visa. You are not required to have other Meridian Credit Union products.

Refer to Meridian Credit Union’s page for up to date offer terms and conditions.

Legal references and product terms are available on the Meridian Credit Union website where the client will be directed during the onboarding process to review and agree to them.

This post contains affiliate links.

GCR may engage in affiliate marketing, which is done by embedding tracking links into greatcanadianrebates.ca. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

Neo Mastercard^® -- a no annual fee card with instant, unlimited cashback and your choice of upgradable perks.



FEATURES

• Earn an average 5%+¹ cashback at thousands of partners.
  
  
• No annual fees, no overlimit fees and unlimited transactions.
  
  
• Earn up to $680 in annual cashback¹.
  
  
• Upgradeable perks across dining, gas and grocery, travel, and more
  
  
• Sign up in 3 minutes - and if approved, you can use your Neo credit card instantly via Apple Play or Google Pay.
  
  
• View the rewards offered near you by downloading the Neo app, and cash out your rewards 24/7 - no minimum thresholds.

Get cashback with Shell

• Earn 2% cashback at the pump or convenience store locations
• Earn 4% cashback on transactions made through the Shell App
• Boost these offers by 50% if you’ve subscribed to Neo’s Everyday Essentials perk (boosted to up to 6% cashback!)

Offer only available in British Colombia, Alberta, Saskatchewan, Manitoba and Ontario.



Upgrade to Premium

Upgrade to Premium for only $4.99/month and get the first 3 months free.
Plus get more cashback + exclusive perks and features.


Everyday cashback

• Up to 4% on gas and grocery
• Up to 1% cashback on everything else

Terms and Conditions
Refer to the Neo website for up-to-date terms and conditions.

Legal references and product terms are available on the Neo website.

Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc..

Apple Pay is a trademark of Apple Inc.
Google Pay is a trademark of Google LLC.

Earn Cash Back Dollars. Redeem them to help pay down your Account balance^†



FEATURES

• For every eligible purchase you make, you earn Cash Back Dollars credit for a percentage of that purchase.
  
• Earn 1% in Cash Back Dollars on eligible grocery Purchases and gas Purchases^† and on regularly recurring bill payments^† set up on your Account.
  
• Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card^†.
  
• Once your Cash Back Dollars balance hits $25, you can redeem those Cash Back Dollars as credit towards your account balance^†.
  
• Your Cash Back Dollars never expire as long as your account is open and in good standing.
  
• Earn 50% more Stars at participating Starbucks^® stores. Conditions apply.

^† Terms and conditions apply.

This offer is not available for residents of Quebec.

Sponsored content.

The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

Get 5% Cash Back^††

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)



FEATURES

Accelerate cash back on common purchases!

• 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.

---

This offer is not available for residents of Quebec.

‡, ††, ✪, Terms and Conditions apply.

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.

Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).

Plus, get a 0% introductory interest rate on Balance Transfers for the first 6 months.
(2% fee per cash advance, 22.99% after that; annual fee $0)

Offer valid November 1, 2024 - October 31, 2025.



FEATURES

• Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.
  
  
• Earn 0.5% cash back on all other eligible purchases.

Rates, fees, offers and other information are effective as of November 1, 2024. Subject to change.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.


* See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information.

Get rewarded with real money instead of points.



FEATURES

• 5% cashback on groceries¹
• 4% cashback on recurring bills¹
• 3% cashback on gas¹
• 1% cashback back on everything else¹

Boost Your Cashback

• Bank with a Neo Everyday account and boost your rewards up to 7% on groceries, 5% on recurring bills, and 4% on gas. The higher your balance is, the higher your cashback rate is.
  
  
• Shop at over 10,000 network partners and earn an additional average of 5% cashback on top of your everyday cashback.²

Additional Card Benefits

• Mastercard World Elite^® Travel benefits²
  
  
• Extended Warranty & Purchase Protection: Extends manufacturer’s warranty and provides protection for damaged or stolen items.³
  
  
• Auto Rental Collision Loss Damage: Coverage for damages or theft in rental vehicles, providing additional financial protection for renters.³
  
  
• Comprehensive Travel Insurance: Out of province or country emergency medical, delayed and lost baggage, flight delay, trip cancellation/interruption, and more!³

Purchase Interest Rate: 19.99% - 26.99%
(Newfoundland and Quebec: 19.99% - 23.99%)


Refer to the Neo website for up-to-date terms and conditions.

Legal references and product terms are available on the Neo website.

The Neo Everyday account is provided by Peoples Bank of Canada.
Neo World Elite^® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated.

Get rewarded with real money instead of points - and no Annual Fee.



FEATURES

• 2% cashback on groceries¹
• 2% cashback on recurring bills¹
• 2% cashback on gas¹
• 0.5% cashback back on everything else¹
  
  
• No annual fee

Boost Your Cashback

• Bank with a Neo Everyday account and boost your rewards up to 4% on groceries, recurring bills, and gas. The higher your balance is, the higher your cashback rate is.
  
  
• Shop at over 10,000 network partners and earn additional cashback on top of your everyday cashback.²

Purchase Interest Rate: 19.99% - 29.99%
(Newfoundland and Quebec: 19.99% - 23.99%)


Refer to the Neo website for up-to-date terms and conditions.

Legal references and product terms are available on the Neo website.

The Neo Everyday account is provided by Peoples Bank of Canada.
Neo World Elite^® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated.

Get a 2.99% introductory interest rate on on purchases and balance transfers for the first 6 months.

(19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $39)

Offer valid November 1, 2024 - October 31, 2025.



FEATURES

• Earn 2% cashback for every $1 you spend at eligible gas stations, grocery store, drug store purchases and recurring bill payments*.
  
  
• Earn 1% cashback on all other eligible cashback purchases*.

Rates, fees, offers and other information are effective as of November 1, 2024. Subject to change.

Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.


* See Card Provider's website and Card Application for complete card details, terms, conditions and current offers. Reasonable efforts are made to maintain accuracy of information.

Unlimited cash back on your spending*



FEATURES

• 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 account^Δ
  
• Link your RBC card with a Petro-Points membership and instantly save 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

Help protect your RBC credit card balance when you need it most – with optional BalanceProtector Max.

• If you lose your job or become totally disabled, this coverage can pay 25% of your credit card total account balance – up to $6,250 per month for up to four months.
• If you pass away, this coverage can make a single payment of the total amount owing on your credit card account to a maximum benefit amount of $25,000.
  
• Enrolment is easy for eligible cardholders. You may cancel at any time.
• Premiums are $1.20 per $100 of your account balance on your statement date (plus applicable taxes).
• Terms, conditions and eligibility restrictions apply. Full details are available on rbcroyalbank.com. This insurance coverage is underwritten by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida, who carry on business in Canada under the trade name of Assurant.^®

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

Legal references and product terms are available on the RBC website where the client will be directed during the onboarding process to review and agree to them.

This post contains affiliate links.

The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

Earn up to 10% cash back^† for your first 3 months up to $1,000 eligible spend.




FEATURES

• Earn 4% cash back on eligible restaurant, bar and coffee shop purchases, up to $5,000 per year^†.
  
• Earn 1.5% cash back on eligible gas, groceries, drugstore purchases and pre-authorized payments,
  up to $15,000 per year^†.
  
• Earn 0.5% cash back on all other credit card purchases with no limit on how much you can earn^†.

Coverage

• Purchase Security and Extended Protection Insurance^†.
• Protect your purchases with double the manufacturer’s warranty, up to one additional year.

Send Money Abroad

• Get cash back when you send a Global Money Transfer and pay with your Visa* Card^†.

Extra card fee: $0 (Up to 3 additional cards)
Credit Score: 600+
Purchase Interest Rate: 20.99%^‡
Balance Transfer Interest Rate: 22.99%^‡
Cash Advance Interest Rate: 22.99%<sup>‡



†</sup> Terms and conditions apply. For complete Offer details, please review the product page.
This offer is not available for residents of Quebec.

^‡ "Purchase" means any Transaction other than a Cash Advance, Balance Transfer or Convenience Cheque. "Cash" means a Cash Advance, Balance Transfer and Convenience Cheque. Interest rates may change from time to time.

Reloadable Prepaid Mastercard®, Cashback, Interest Earning, No Fees

FEATURES
All the KOHO account has the following features:

● No Fees: All of the perks are accessible for free and there are no hidden fees or surprise charges (unlimited e-transfer)
● Minimum of 0.5% cashback on every purchase, and up to 6% when shopping with KOHO brand partners
● 1.2% saving interests on the entire account balance (no minimum requirement, no regular deposit requirement.

Users can also opt-in and subscribe to the following features:

Premium Account has all the above features and more ($9/month or $84/year):
● 2% cashback on groceries, eating & drinking, and transportation
● No FX fees and 1 free international ATM withdrawal per month
● Financial coaching - Premium account users can access our financial coach. Our financial coaches are members of Accredited Financial Counsellor.
● Price matching - Premium account users can claim price matches for their purchases. They just need to send the receipt and our team will find deals and match a lower price for our user.

Credit building ($10 a month over 6 months for a total of $60.) On average, we see the credit building users improve their score by 20 pts over 6 months. Users can also see their credit score being updated in-app on a monthly basis.

Merchant Cash Back: Earn additional cash back with merchant partners.

Other Benefits and Details

● Refer friends to KOHO and earn extra PowerUps. You and the friend you refer each earn 1% extra PowerUps on every purchase for 90 days. You can refer up to 10 friends to KOHO, which means you can earn ​up to 10%​ in PowerUps for referring friends

● Receive both a physical and virtual card. For new users, you can start adding funds and shopping online while you wait for your physical card to arrive in the mail. No need to budge from your couch to make online purchases! Just use your virtual card instead of getting up to find your wallet. Plus, it uses a different card number to help protect your physical card number when you’re shopping or booking services online

● Add your KOHO card to Apple, Samsung or Google Pay

● Access your payroll up to 3 days early with the Early Payroll feature

● Automate your savings with Goals and RoundUps. Rounding up every purchase lets you stash away some savings, while Goals make it easier to save for whatever it is that makes you happy

● Lock in savings with Vault that keeps the funds you don’t want to spend separate from your spendable balance

● Create custom budgets and track your spending habits. Know where you're at in real time with instant notifications every time you spend.

Fees & Interest
Purchase Interest Rate: $0 - you can only spend your own funds with KOHO
Cash Advance: You are able to withdraw up to $600 of your own funds in cash per day. KOHO does not charge any fees but you may incur a fee from the ATM provider
Balance Transfer: Load your KOHO account via e-transfer, direct deposit, or Mastercard direct load

Build your credit history and get unlimited transactions, no annual fees and no overlimit fees. Plus get a $25 sign up bonus!



FEATURES

• A physical and digital secured card that doesn't require a hard credit check
  
• Guaranteed approval for all Canadians¹
  
• Earns cashback on everyday spending
  
• Average 5% at partners
  
• 15% welcome bonus on first purchase at most partners
  
• 1% minimum cashback guarantee across all purchases
  
• No monthly or annual fees for free Standard rewards plans
  
• Track spending with real time notifications and view balance in seconds
  
• Cash out your rewards at any time.
  
• Credit limit is equal to security funds. Customers can pick a limit they are comfortable with and never worry about going over that limit.
  
• Security funds will be fully returned if card is closed and balance is paid off
  
• Security funds minimum of only $50

~ Only $5 a month



Get cashback with Shell

• Earn 2% cashback at the pump or convenience store locations
• Earn 4% cashback on transactions made through the Shell App
• Boost these offers by 50% if you’ve subscribed to Neo’s Everyday Essentials perk (boosted to up to 6% cashback!)

Offer is only available in British Colombia, Alberta, Saskatchewan, Manitoba and Ontario.



Everyday cashback

• Up to 4% on gas and grocery
• Up to 1% cashback on everything else

Terms and Conditions
Refer to the Neo website for up-to-date terms and conditions.

Legal references and product terms are available on the Neo website.

Neo Credit and Neo Secured Credit cards are issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Inc..

¹ Conditions apply. Must 1. be the age of majority in your province or territory of residence; 2. be a Canadian resident; 3. provide security funds.

Welcome offer! Get your first year annual fee waived ($120 rewards value)^
and Visa Airport Companion membership ($90 value).^

Offer valid until December 17th, 2024.
^Terms and conditions apply – for full details click the Apply button.

Card is available to British Columbia residents only.


5% of profits go to environmental initiatives with every purchase on your enviro Visa card.

Environmental impact:

• Our Carbon Counter™ helps you estimate the carbon footprint of your Visa card spending.
• 5% of profits from this card support the Vancity enviroFund™ program every year which helps fund climate innovation in your community.

Vancity Rewards
100 Vancity Rewards points = $1 in Rewards Value.

How to earn points.

• 10 points for every $1 spent at select local businesses.
• 5 points for every $1 spent on public transit and ferries.^◊
• 2.5 points for every $1 spent on groceries.^◊
• 1.25 points for every $1 spent on all other purchases.^◊
• 2x the points when booking travel through Vancity Rewards.

Ways you can redeem your points:

• Cash back^‡: Add funds to your Vancity account, pay down your enviro™ Visa* card account balance, or make a loan payment (like towards your Vancity mortgage).
  
  
• Travel: Book flights, hotels, car rentals, cruises and more through Vancity Rewards and enjoy no blackout periods.
  
  
• Charity: Support what matters to you. Redeem your points to make a donation to a select charity and we’ll send you a tax receipt. Starting at 2,000 points ($20 rewards value).
  
  
• Gift cards: Treat yourself or someone special when you redeem your Vancity Rewards points for a gift card. Choose from over 60 options.

Premium Visa Infinite Benefits

• Get access to more than 1,200 participating airport lounges worldwide with your complimentary membership to Visa Airport Companion.⌀
  
• Hotel perks, dining and wine events, concierge service, sports and entertainment offers and more.
  

Insurances

• Common carrier travel accident insurance up to $500,000. ^§
• Purchase security insurance. ^§
• Extended warranty insurance. ^§
• Auto rental collision/loss damage insurance. ^§
• Flight delay insurance. ^§
• Emergency travel assistance services. ^§
• Delayed and lost baggage insurance. ^§

Eligibility: $60,000 annual personal income, $100,000 annual household income, or $250,000 or more in investible funds.


Note: Purchase APR, Balance Transfer APR and Cash Advance APR
You will benefit from an interest-free grace period of 21 days on new purchases and fees appearing on your statement. If you pay off the balance showing on your statement in full by the payment due date, no interest will be payable on all new purchases that appear on your statement for the first time. There is no interest-free grace period on cash advances and balance transfers. Interest rates and fees and are subject to change without notice. See the Vancity Credit Card Agreement and Disclosure Statement for more details.


^ Terms & conditions apply. For full details and eligibility requirements visit vancity.com/bank/credit-cards/enviro-infinite/

* Trademark of Visa Int. Used under license.

enviro™, Vancity enviroFund™ and Carbon Counter™ are trademarks of Vancouver City Savings Credit Union.

^‡ Vancity membership required for certain cash back rewards. Must have a Vancity deposit account to redeem for cash. Additional terms and conditions apply.

^§ Common Carrier Travel Accident and Travel Emergency Medical Insurance are insurance coverages underwritten by American Bankers Life Assurance Company of Florida (ABLAC) under Group Policy number VCVIL092019. All other insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy number VCVI092019. Price Protection Service and Emergency Travel Assistance Services are services only and not insurance and are provided by ABIC.

⌀ Enviro Visa Infinite cardholders have access to participating lounges through the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. Cardholders must enroll for this benefit using a valid enviro Visa Infinite card. The value of a Visa Airport Companion membership (managed by DragonPass International Ltd.) is based on the value of purchasing a DragonPass membership ($68 USD) converted into CAD at an exchanged rate of 1.32. This estimated value is merely an estimate for illustrative purposes only. Actual value of a Visa Airport Companion membership may vary. Upon enrollment, all visits for enviro Visa Infinite cardholders are subject to a fee per person per visit. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program and more details on how to enroll, please visit visaairportcompanion.ca. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor Vancity is responsible for any claims or damages arising from participation in the Program.

ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant^®. ^® Assurant is a registered trademark of Assurant, Inc. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance and the Statement of Services provided with the card. Read the Certificate of Insurance and Statement of Services, then keep these documents in a safe place, and take them with you when you travel.

Sign up for a Vancity enviro™ Visa* Classic card!

Available to British Columbia residents only.



5% of profits go to environmental initiatives with every purchase on your enviro Visa card.

Environmental impact:

• Our Carbon Counter™ helps you estimate the carbon footprint of your Visa card spending.
• 5% of profits from this card support the Vancity enviroFund™ program every year which helps fund climate innovation in your community.

Vancity Rewards

100 Vancity Rewards points = $1 in Rewards Value.


How to earn points.

• 1 point for every $2 spent on all purchases.
• 2x the points when booking travel through Vancity Rewards.

Ways you can redeem your points:

• Cash back^‡: Add funds to your Vancity account, pay down your enviro™ Visa* card account balance, or make a loan payment (like towards your Vancity mortgage).
  
  
• Travel: Book flights, hotels, car rentals, cruises and more through Vancity Rewards and enjoy no blackout periods.
  
  
• Charity: Support what matters to you. Redeem your points to make a donation to a select charity and we’ll send you a tax receipt. Starting at 2,000 points ($20 rewards value).
  
  
• Gift cards: Treat yourself or someone special when you redeem your Vancity Rewards points for a gift card. Choose from over 60 options.

Insurances

• Common carrier travel accident insurance up to $200,000. ^§
• Purchase security insurance. ^§
• Extended warranty insurance. ^§

Note: Purchase APR, Balance Transfer APR and Cash Advance APR
You will benefit from an interest-free grace period of 21 days on new purchases and fees appearing on your statement. If you pay off the balance showing on your statement in full by the payment due date, no interest will be payable on all new purchases that appear on your statement for the first time. There is no interest-free grace period on cash advances and balance transfers. Interest rates and fees and are subject to change without notice. See the Vancity Credit Card Agreement and Disclosure Statement for more details.


^ Terms & conditions apply. For full details and eligibility requirements visit vancity.com/bank/credit-cards/enviro-classic

* Trademark of Visa Int. Used under license.

enviro™, Vancity enviroFund™ and Carbon Counter™ are trademarks of Vancouver City Savings Credit Union.

^‡ Vancity membership required for certain cash back rewards. Must have a Vancity deposit account to redeem for cash. Additional terms and conditions apply.

^§ Common Carrier Travel Accident and Travel Emergency Medical Insurance are insurance coverages underwritten by American Bankers Life Assurance Company of Florida (ABLAC) under Group Policy number VCVIL092019. All other insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy number VCVI092019. Price Protection Service and Emergency Travel Assistance Services are services only and not insurance and are provided by ABIC.

ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant^®. ^® Assurant is a registered trademark of Assurant, Inc. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance and the Statement of Services provided with the card. Read the Certificate of Insurance and Statement of Services, then keep these documents in a safe place, and take them with you when you travel.

Get a first-year annual fee rebate and earn a 10% cash back welcome bonus
of up to $300!^†



FEATURES

Get a first-year annual fee rebate and earn a 10% cash back welcome bonus of up to $300 (first 4 statements)!^†

After that, get 4% cash back on eligible gas, EV charging, and grocery purchases.^†

• 2% cash back on eligible transportation, dining purchases and recurring payments^†
  
• 1% cash back on all other purchases^†
  
• Get cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking^®†

Save on gas with CIBC and Journie Rewards.

Link and use your CIBC Dividend^® Visa Infinite* 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. 

CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.<sup>†



†</sup>Terms and Conditions Apply. Select Apply Now to learn more.