18 Best Cash-Back Credit Cards in Canada for May 2023

• Score generous cash-back rates for popular spending categories: 5% on groceries, 4% on transit, 3% on gas, 2% on recurring bills, and 1% on everything else.
• Feel protected with 13 types of insurance and fantastic travel benefits.

• Spending categories come with easily-hit spending caps, but the 1% base rate still earns you value once you hit your monthly bonus rate limits.
• The $120 annual fee is pretty steep. While we think you’ll more than make up for it through cash back savings, the no-fee BMO CashBack® Mastercard®* is a great alternative.

• Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.*
• 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 the highest cash back earn rate on groceries in Canada.†
• Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
• Extended Warranty Plus.*
• Purchase Protection Plus.*
• Complimentary membership in Mastercard Airport Experiences provided by LoungeKey.*
• Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges.*
• Complimentary Roadside Assistance Program.*
• BMO CashBack World Elite Travel and Medical Protection.*
• BMO Concierge Service.*
• Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada.
• *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.

No single rewards card is right for everyone. It’s all about how you spend money and what kind of rewards you value. See our choices for the best rewards credit cards in Canada to select the best option for you.

• The unlimited 2% cash-back earn rate is among the highest we evaluated.
• You can earn up to $400 in the first ten months.

• The bonus rewards rate on gas and groceries drops down to 2% after a $30,000 annual spend.

• In your first 10 months as a new SimplyCash® Preferred Card from American Express Cardmember, you can earn a $40 statement credit for each monthly billing period in which you spend $750 in purchases on your Card. This could add up to $400 in statement credits in the first 10 months.
• 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 American Express® Experiences.
• Extensive 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. Conditions apply.

Finding a student credit card with the right combination of features for your lifestyle can be daunting, especially if it’s your first time choosing a card. Compare our picks for the best student credit cards in Canada to find the best choice for you.

• A small $50 minimum deposit makes this card accessible to consumers of all budgets.
• Earn up to 15% cash back on purchases with select Neo partners.

• Interest rates could be as high as 26.99% for some users.
• While Neo plans to report card activity to TransUnion, the company has confirmed that this function isn’t fully operational yet, so the credit-building benefits of this card will be delayed.

• Earn a 0.5% cash back guarantee, an average of 5% unlimited cash back at thousands of Neo partners, and up to 15% cash back on your first purchase at participating partners.
• No annual fee for the Standard rewards plan.
• $50 minimum security fund deposit required.
• $10,000 maximum security fund deposit.
• To apply, visit member.neofinancial.com and create an account. Select “Credit”, pick either the Neo Credit or the Hudson’s Bay Mastercard, and then choose “Secured Card” as the type of credit you are looking for.
• Hard credit checks are not made on applications.
• Guaranteed approval, as long as you meet eligibility requirements.
• Ability to upgrade to an unsecured rewards credit card.
• Link your account to a Neo Money™ account and earn 2.25% interest on savings.
• Purchase rates range from 19.99%-26.99%. The standard rate on purchases and cash advances is dependent on Neo Financial’s assessment of your credit application, credit profile, and your province.
• To be eligible, you must be able to provide security funds and be a Canadian resident of the age of majority in the province or territory where you live.

Whether you’re looking to build credit from scratch or rebuild credit after a bad setback, a secured credit card can be an invaluable tool. See our selections for the best secured credit cards in Canada to find options that will help you strengthen your credit.

• Flat-rate cash-back rewards are easy to understand and earn.
• Save on gas and earn 20% more Petro-Points at Petro-Canada.

• The insurance coverage is limited when compared to similar cards.
• There’s no welcome bonus or sign-up offer.

• 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.
• 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 $15 or more when you pay with your eligible RBC credit card.
• To be eligible, $80,000 (individual) or $150,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident that is the age of majority in the province or territory where you live.
• Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

• Fantastic welcome offer with a $479 value.
• Up to $2 million of Travel Medical Insurance coverage for the first 10 days of your trip (four days if you or your spouse are over the age of 65).

• A $139 annual fee often comes with more perks and insurance. However, you can waive this cost every year if you’re a TD member with an All-Inclusive Chequing Account holding a minimum balance of $5,000.
• The accelerated earn rate of 3% cash back is limited to $15,000 annual spend across all categories. After that, you’ll earn a flat rate of 1% cash back on all purchases.

• Limited Time Offer: Earn 10% Cash Back on all Purchases for the first 3 months† up to a total spend of $2,000. Plus, first year no Annual Fee for the Primary and Additional Cardholders†. Must apply online by May 28, 2023.
• 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.
• Interest Rates: 20.99% on purchases and 22.99% on cash advances.
• Travel Medical Insurance† – Up to $2 million of coverage for the first 10 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Delayed and Lost Baggage Insurance† – Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
• Emergency Travel Assistance Services† – Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• Complimentary Visa Infinite* Concierge†: On call, 24 hours a day, seven days a week, to help you get the most from life whenever you travel, shop and use your Card.
• Emergency Road Services with Deluxe TD Auto Club Membership is included with the product.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
• †Terms and conditions apply.
• This offer is not available for residents of Quebec.
• 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.

• It’s rare for a credit card to offer 4% cash back on two major spending categories. It’s even rarer to set a $25,000 annual limit to that 4% — a $1,000 value — before reverting to the healthy 1% base rate.
• You can waive the $120 annual fee every single year by using the Scotiabank Ultimate Package.

• The cash back earned is hands-off. You have to wait until November, and then it’s only redeemable as a statement credit. If you have a Scotiabank account, that annual payout can be deposited into your bank account.
• The 4% rate won’t mean much to you if you don’t buy a lot of groceries or often buy your food at somewhere that Visa doesn’t classify as a grocery store or supermarket, such as Canadian Tire, FreshCo, London Drugs, Walmart and No Frills.

• SPECIAL OFFER: 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 ends June 30, 2023.
• 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.
• Redeem cash back as a statement credit in November.
• Visa Infinite benefits, including Visa Infinite* Concierge, Visa Infinite* Luxury Hotel Collection, Visa Infinite* Dining Series, and entertainment and lifestyle offers.
• Save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S.
• Access to Scotia SelectPay™.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required, or $250,000 minimum assets under management. Also, you must have a Canadian credit file and be a Canadian resident that is the age of majority in the province or territory where you live.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

• Mobile device insurance.
• Earn cash back on all purchases.

• You can only earn cash back rewards for up to $6,000 in online purchases annually.

• Special offer: Earn an additional 12.5% cash back* on all purchases for the first 180 days (up to $1,000 in total purchases). Must apply by May 31, 2023. Conditions apply.
• For the first 180 days, earn up to: 14% cash back on eligible online purchases, 13.5% cash back on eligible gas, grocery and drugstore, 13% cash back on all other everyday purchases.
• 1.5% cash back on up to $6,000 of your online purchases (including streaming services, online subscriptions and food delivery).
• 1% cash back on your gas, grocery and drugstore purchases.
• 0.5% cash back on (almost) everything else you buy with your card.
• Redeem sooner – You only need to reach $25 in cash back to redeem.
• Redeem when you want – Redeem for cash back as a statement credit online. See how easy it is at rewards.hsbc.ca.
• Redeem to pay down or save up – Use your cash back for a credit towards your residential mortgage account, or credit card, or to top up your savings account.
• Primary cardholder annual fee: $0
• Annual Interest on Purchases: 20.99%.
• Authorized User Annual Fee: $0 Per Card.
• *Terms and Conditions Apply.
• ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.

• You can tailor the 2% rewards to your spending by choosing up to three categories from Tangerine’s list of 10, which includes basics like gas and groceries as well as unusual picks like furniture and home improvement.
• Transfer balances within your first 30 days and pay only 1.95% interest on the transferred balance for the first six months (19.95% after that).

• 2% cash back is a competitive rate, but many cards offer double the rewards on specific categories.
• Tangerine is a virtual bank with no physical bank branches.

• 2% on two categories of your choice: grocery, furniture, restaurants, hotel-motel, gas, recurring bill payments, drug store, home improvement, entertainment, or public transportation and parking.
• Get a third cash-back category by choosing to have your rewards deposited into a Tangerine Savings Account.
• 0.50% on everything else.
• Redeem cash back monthly as a statement credit or deposited into a Tangerine Savings Account.
• No annual fee.
• Transfer balances within your first 30 days and pay only 1.95% interest on the transferred balance for the first six months (19.95% after that). 1% balance transfer fee applies to the amount transferred.
• Get free cards for any authorized users on your account.
• It only includes purchase assurance and extended protection insurance. For more insurance, consider the Tangerine World Mastercard which requires a minimum personal income of $60,000. If you meet this requirement, you will automatically be considered for the World card if you apply for the Money-Back card.
• Preferred rates: 19.95% for purchases and cash advances.
• To be eligible, a $12,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

While the Tangerine Money-Back card may be suitable for applicants with fair credit, sometimes called “average” credit, those with less-than-ideal credit scores should consider the secured cards and more basic unsecured options included on our list of the best Canadian credit cards for bad credit.

• An app that tracks your spending, helps with budgeting, offers free financial coaching, and the ability to earn 2.00% interest on your entire account.
• Access to a credit building service that reports your payments for only $7 per month — a rare feature for a prepaid card.

• KOHO is a tech-focused company, so if you’re uncomfortable with digital banking, it may not be the right choice.
• KOHO isn’t a credit card, which means you can’t borrow any money. You can only access the funds already in your account.

• Up to 6% extra cash back when shop with partnered merchants.
• 2% cash back on groceries, transportation, eating & drinking.
• 0.5% cash back on all purchases.
• Cash back is instantly added to your KOHO Savings account.
• $9 monthly fee/$84 annual fee, + a 30-day free trial.
• No foreign exchange fees.
• 1 free international ATM withdrawal per month.
• Subscribe to Credit Building for $10/month in-app.
• Earn 2% interest on all balances (no minimum deposit requirement).
• To be eligible, you must be a Canadian resident of the age of majority in the province or territory where you live.

A prepaid credit card, more accurately known as a “prepaid card, ” can be a budgeting tool or an easy way to make convenient online or in-store purchases. Many of our choices for the best prepaid cards in Canada even earn rewards.

• The earn rates will be there no matter how much you spend.
• No annual fee in the first year.
• Internationally-minded businesses will love the extensive range of travel insurance offerings and 3% cash back on foreign currency purchases.

• No welcome bonus or introductory earn rates.
• The income and earnings threshold required for approval may be too high for newer or smaller businesses.
• The 3% earn rate won’t benefit businesses who deal solely in Canadian currency.

• Earn 1.5% unlimited cash back on all purchases.
• Earn 3% unlimited cash back on net purchases in foreign currencies.
• Cash back earnings can be redeemed at any time for account credits, travel, event tickets, gift cards and other merchandise.
• Annual fee: $110, but free for the first year.
• Additional card fee: $49.
• Access to Visa expense management tools.
• Visa Infinite Benefits, which include concierge services and exclusive access to luxury hotels, dining events and wine tastings.
• Full suite of travel insurance and services, including: trip cancellation and interruption insurance (up to $2,000 per person), baggage insurance (up to $1,000 per person), common carrier accident protection (up to $1,000,000), auto rental collision/loss insurance, mobile device insurance, purchase protection, extended warranty coverage and 24/7 travel assistance.
• Preferred rates: 19.50% on purchases, 19.50% on cash advances.
• Eligibility requirements: either $60,000 annual personal income, $100,000 annual household income, minimum annual spend of $30,000 on current issuer’s card, assets under management of $250,000, or minimum business annual sales revenue of $500,000.

From flat-rate rewards on office expenses to credit cards boasting low-interest rates, see our choices for Canada’s best business credit cards.

• No annual fee.
• Rewarding intro offer.
• Automatic rebates through the Mastercard Easy Savings program.

• If you don’t frequent Shell gas stations you’ll miss out on the most savings.

• Get 10% cash back on gas, office supplies and cellphone and internet bill payments for 3 months!
• $0 annual fee.
• 19.99% interest on purchases, and 22.99% interest on cash advances.
• Earn more cash back on your most common expenses:
• Earn 1.75% when you pay at the pump or shop in-store at Shell®.
• Earn 1.5% on gas, office supplies and cellphone and internet bill payments.
• Earn 0.75% on all other card purchases.
• Enjoy 90-day purchase protection and extended warranty protection of up to one additional year on items you charge to the card.
• Get protection against employee card abuse with BMO’s Liability Waiver Program.

• New cardmembers can earn a 9.99% introductory annual interest on purchases for the first six months.

• The 0.5% base rate isn’t exactly impressive, but it only applies after you hit the annual spending limits of bonus categories.
• It only includes purchase security and extended protection insurance.

• 4% on restaurant, bar and coffee shops, up to $5,000 per year.
• 1.5% on gas, groceries, drugstores and pre-authorized payments, up to $15,000 per year.
• 0.5% on everything else.
• Plus, for your first 3 months, enjoy 20% bonus cash back on eligible gas, groceries, drugstore purchases and pre-authorized payments (up to $500 spend).
• Redeem cash back as a statement credit in December.
• No annual fee.
• Cash back when you send money abroad with a Simplii Financial Global Money Transfer. No transaction fees and no interest charges.
• Purchase security and extended protection insurance provided.
• Preferred rates: 19.99% for purchases, 22.99% for cash advances.
• To be eligible, a $15,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident (excluding Quebec) that is the age of majority in the province or territory where you live.

You don’t need to pay an annual fee for impressive rewards and perks. See our selections for Canada’s best no-fee credit cards.

• Flexible and easy redemption. You can redeem cash back anytime through CIBC Online and Mobile Banking.
• Generous cash back rates on five popular spending categories.

• You’ll only earn 1% cash back after spending $80,000 across bonus categories. Most credit cards have specific limits for each category, but the CIBC Dividend Visa Infinite collectively caps all bonus rates with an $80,000 limit.
• Insurance offerings are limited compared to what you might expect from a card with a $120 annual fee. However, you can avoid this cost every single year with a CIBC Smart Plus™ Account.

• 4% on groceries, gas, and electric vehicle charging, and 2% on transportation, dining and recurring payments. Accelerated rates apply to the first $80,000 spent per year.
• 1% on everything else, and after spending $80,000.
• 0.25% cash back for every $1 spent on a CIBC Global Money Transfer, with no foreign transaction fees.
• Redeem a minimum of $25 cash back at any time through CIBC Online and Mobile Banking.
• $120 annual fee.
• Visa Infinite benefits, including Visa Infinite Concierge, Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series, and entertainment and lifestyle offers.
• Save up to 10 cents per litre at Chevron, Ultramar and Pioneer gas stations when you link your card with Journie Rewards.
• Access to CIBC Pace It.
• Five types of insurance provided, including 10-day out-of-province/out-of-country emergency medical benefits — up to $5 million in coverage.
• Preferred rates: 20.99% for purchases, 22.99% for cash advances.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

• Full suite of insurance, including mobile device insurance.
• Earn competitive rewards on spending at the gas station, grocery store, pharmacy, and utility bill payments.

• Accelerated earn rates for bonus category spending are restricted to a $25,000 maximum annual spending limit.

• $49 annual fee, waived for the first year.
• 2x cash back rewards points on gas, grocery, pharmacy store purchases and utility bill payments (up to $25,000 per year).
• 1x cash back rewards point on everything else, including after you’ve exceeded your annual spending limits in bonus categories.
• Redeem your cash back rewards for gift cards, merchandise, travel, account credits, and more.
• Delayed Baggage and Lost/Damaged Baggage Insurance: Coverage of up to $500 per person per trip for replacement of essential items in the event of delayed baggage and up to $1,000 per person per trip in the event of loss, theft or damage to checked baggage.
• Common Carrier Travel Accident Insurance: Up to $500,000 of coverage per person in the event of the accidental death or injury of you, your spouse or eligible children while passengers on a common carrier (air, sea or ground).
• Auto Rental Collision/Loss Damage Insurance: Coverage for rental periods of up to 48 consecutive days in the event your rental vehicle is damaged or stolen when you charge the full cost of your rental to your card and decline the rental agency’s collision/loss damage waiver.
• Mobile Device Insurance: Coverage of up to $1,000 in the event your cell phone, smartphone or tablet is lost, stolen, accidentally damaged or experiences mechanical breakdown.
• Purchase Protection Insurance: Provides coverage for 90 days from the purchase date in the event of loss, theft or damage when you purchase eligible items with your card. Maximum of $10,000 per item up to a maximum of $50,000 lifetime per account.
• Extended Warranty Insurance: Coverage automatically doubles the original manufacturer’s warranty for up to a maximum of one additional year for eligible items purchased with your card. Maximum of $10,000 per item up to a maximum of $50,000 lifetime per account.
• Travel Assistance Service: Anywhere in the world at any time 24/7 Travel Assistance is there to help.
• Price Protection Service: Reimbursement of the price difference if a new eligible item purchased with your card is found advertised at a lower price in Canada within 60 days of purchase, up to $100 per item and $500 per account per year.
• No minimum income requirement
• 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.

• Comprehensive travel insurance includes emergency medical worth $5 million per person, covering 60 days for ages 59 and under and 15-days for ages 75 and under.
• 18 airport lounge visits included.

• No intro offer.
• There’s a high annual fee and $150,000 (individual) or $200,000 (household) annual income is required, making this card inaccessible for many.

• 4% in BONUSDOLLARS per dollar spent on restaurants, entertainment and public transportation.
• 3% in BONUSDOLLARS per dollar spent on groceries and travel.
• 1.75% in BONUSDOLLARS per dollar spent on everything else.
• Redeem BONUSDOLLARS for statement credits, financial products and services, charity, rewards, gift cards, purchases, and travel.
• 1 BONUSDOLLAR earned = $1 you can redeem. BONUSDOLLARs do not expire.
• $295 annual fee for Desjardins members, $395 annual fee for non-members.
• Airport lounge access through a complimentary Priority Pass membership, plus 6 free visits per year. 12 visits per year to the Desjardin Odyssey Lounge in the Montreal-Trudeau International Airport.
• Visa Infinite Privilege benefits including Visa Infinite Privilege Concierge, Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series, and Entertainment & Lifestyle Offers.
• Up to 25% off Hertz car rentals and up to 10% off Thrifty or Dollar rentals.
• Access to Accord D financing up to $5,000 a day cash advances at a rate of 9.9%.
• 12 types of insurance provided, including 60-day travel medical benefits — up to $5,000,000 in coverage per person under age 59. 31-day coverage is available for ages 60-64. 15-day coverage is available for ages 65-75.
• Preferred rates: 9.9% for purchases and cash advances.
• To be eligible, $150,000 (individual) or $200,000 (household) annual income, or assets under management of $400,000 is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

• Rewards are easy to understand, $1 in cash-back rewards = $1 toward an eligible purchase or bill credit, and you can redeem rewards instantly using the Rogers Bank app.
• Attractive travel benefits are included, like access to over 1,000 LoungeKey airport lounges, free Boingo Wi-Fi at over 1 million hotspots worldwide, and several types of travel insurance.

• A more modest intro offer than some cards, at just $25 in cash-back rewards when you make your first purchase.
• You must spend at least $15,000 each year to maintain the card.

• 1.5% in unlimited cash-back rewards for eligible regular purchases.
• 3.5% in unlimited cash-back rewards for eligible U.S. dollar purchases.
• Cash-back rewards can be redeemed for purchases or applied directly to your Rogers, Fido, or chatr mobile phone bill. Cash-back rewards can be redeemed using the Rogers Bank app or Pay with Rewards app. You must accrue at least $10 in cash-back rewards before you can redeem them on a purchase, and redemptions do not count toward minimum payment amounts.
• $0 annual fee.
• Earn unlimited cash-back rewards anywhere Mastercard is accepted.
• Free Boingo Wi-Fi for Mastercard® Cardholders at over 1 million hotspots worldwide.
• Access to over 1,000 LoungeKey airport lounges in over 100 countries with Mastercard Airport Experiences.
• No charge to add additional cardholders.
• Security features like transaction monitoring and alerts, zero liability for unauthorized use and balance protection.
• Eight types of insurance provided, including 10-day travel medical benefits for those up to age 64 — up to $1 million in coverage. Three days of medical benefits are provided for those age 65 to 75.
• Preferred rates: 19.99% for purchases, 22.99% for cash advances.
• To be eligible, $80,000 (individual) or $150,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

• Solid Canadian Tire Money earn rates on groceries, sports equipment and other merchandise at participating stores.
• No annual fee.
• Access to various insurance plans.

• Not much added value if you don’t shop at Canadian Tire or its affiliated stores.
• Large families could burn through their accelerated earn rates on groceries sooner than they’d like.
• Earning Canadian Tire Money on gas purchases could be challenging if you don’t live near an eligible gas station.

• Collect 3% in Canadian Tire Money on the first $12,000 spent at eligible grocery stores per year and 1% on eligible grocery purchases after that.
• Collect 4% in Canadian Tire Money on qualifying purchases at Canadian Tire, Sport Chek, Mark’s/L’Equipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepot du Hockey and participating Sports Experts stores.
• Collect 7 cents in Canadian Tire money per litre of premium fuel, and 5 cents per litre on all other fuel types purchased at Gas+/Essence+ locations.
• Canadian Tire Money can be redeemed at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepot du Hockey and participating Mark’s/L’Equipeur and Sports Experts stores.
• No fee, no interest financing on qualifying purchases of $150 or more at participating stores. Conditions apply.
• No-receipt returns at participating stores.
• Access to member-only events and personalized offers.
• Priority queuing when calling the Triangle call centre.
• Enrollment in the Triangle World Elite Mastercard Roadside Assistance Gold Plan, which includes 5 service calls per year and unlimited tows to any Canadian Tire Auto Service Centre within towing limits.
• Car rental collision/loss damage waiver insurance.
• Extended warranty insurance for eligible purchases.
• Eligibility: Must be a Canadian resident and the age of majority in the province/territory of residence.
• No annual fee.
• No fee for obtaining a supplementary card on the same account.
• Interest rates: 19.99% on purchases, 22.99% on cash transactions (21.99% in Quebec).

• No annual fee.
• Apply rewards to eligible Amazon.ca purchases.

• Amazon Prime membership required for higher earn rate.

• Welcome offer: Get 5% back at Amazon.ca, Whole Foods Market stores, grocery stores, and restaurants for 6 months after approval, on first $3,000 in eligible purchases.
• Earn rewards on eligible purchases at Amazon.ca — including Whole Foods Market stores in Canada.
• After the welcome offer ends, eligible Prime members get 2.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores.
• Eligible Prime members always get 2.5% back on eligible foreign currency transactions to help cover foreign transaction fees.
• After the welcome offer ends, non-Prime members get 1.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores. Always get 1% back on eligible foreign currency transactions to help cover foreign transaction fees.
• Receive 1% back on eligible purchases everywhere else Mastercard is accepted.
• Rewards can be redeemed at Amazon.ca and applied directly to eligible Amazon.ca items.
• No annual credit card fee.
• The MBNA Payment Plan can make it more convenient to pay for large purchases and manage a budget. Pay for eligible credit card purchases of $100 or over by making monthly payments. Choose from three Payment Plan terms: 6, 12 or 18 months. Conditions and fees apply.
• Preferred rates: 19.99% for purchases, 22.99% for cash advances.
• To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.