Best For: Balance transfer

  • This offer is not available to residents of Quebec.
  • No annual fee
  • Standard Annual Interest Rates of 12.99% on eligible purchases, 17.99% on balance transfers✪, and 24.99% on cash advances.
  • You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee.
  • This card is made from 100% recycled plastic.
  • Around-the-clock fraud protection
  • Use available credit on your credit card to transfer funds right to your chequing account.

Apply for the MBNA True Line® Mastercard® credit card today

Legal

†, ✪, Terms and Conditions apply.

This offer is not available to residents of Quebec.

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.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 12.99 %
  • Cash Advance Rates 24.99 %
  • Balance Transfer Rates 17.99 %
Value
  • Year 1 $0
  • Year 2+ $0
Best For
  • Low Interest

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Get an extra 15% back* on everyday purchases.
  • Apply for the Tangerine World Mastercard and receive an additional 10% cash back*(up to $100) when you spend up to $1,000 on everyday purchases during the first 2 months.
  • Benefit from a promotional interest rate of 1.95% on balance transfers for 6 months
  • Earn 2% cash back on purchases in 2 categories of your choice and 0.50% cash back on all other regular purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • There’s no limit to the cash back you can earn on your regular purchases.
  • Purchase protection and Extended Warranty
  • Rental Car Collision/Loss Damage Insurance
  • Mobile Device Insurance
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $50,000
  • Household $80,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.95 %
  • Cash Advance Rates 22.95 %
  • Balance Transfer Rates 22.95 %
Earning Rate
  • All Spending0.5%
  • Groceries0.5%
  • Gas0.5%
Value
  • Year 1 $220
  • Year 2+ $120
Best For
  • Grocery stores
  • Daily transit
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Best balance transfer credit card in 2024

Transfer your credit card balance of $100 or more – Get 0% interest for up to 10 months with a 1% transfer fee and a two year annual fee rebate

Check full offer details below:

Transfer your credit card balance of $100 or more and get 0% interest for up to 10 months with a 1% transfer fee
  • Transfer up to 50% of your assigned credit limit
  • If you choose to carry a balance and you make your minimum payments on time, a balance transfer could save you money on interest
  • Take advantage of this 0% introductory interest rate on balance transfers of $100 or more for your first 10 months. You’ll only have to pay a 1% fee when you transfer your balance from another card to the CIBC Select Visa Card.
  • This balance transfer offer is only available at the time of your online application. Simply tick the checkbox to select the balance transfer option when you’re filling out your application

Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your amount due, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances you transfer by using this offer, new purchases will be subject to the purchase interest rate.

Balance transfers of amounts less than $100 are not eligible for this promotional balance transfer offer and will be subject to the regular interest rate for Cash Advances applicable to your account.

Save over $600 with CIBC and Skip

Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Select Visa Card with Skip.

Save on gas with CIBC and Journie Rewards

Link and use your CIBC Select Visa Card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

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This is a digital-exclusive offer. To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.

Terms and conditions apply. Click on Apply Now to learn more.

Annual Fee
  • Primary card $29
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 13.99 %
  • Cash Advance Rates 13.99 %
  • Balance Transfer Rates 13.99 %
Value
  • Year 1 $29
  • Year 2+ $29
Best For
  • Low Interest

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
bmo-mastercard-world-elite-business-en
Business Card
  • 4X points on gas, office supplies, cell phone and internet bills
  • Access to VIP Lounges
  • Accepted at Costco
Learn More

Welcome offer:

  • Get over $1,500 in value!* This includes up to 100,000 BMO Rewards Pointsthat’s a $669 value in the first year.*

Here’s how the welcome offer adds up:

  • $135 in value (20,000 BMO Rewards Points) when you make your first purchase*
  • Up to $535 in value (8,000 BMO Rewards Points from months 3-12) when you spend $3,000 each month*
  • $701 in value from your premium benefits*
  • Plus, your $149 annual fee is waived in the first year*
  • 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*
  • Earn 4 BMO Rewards points for every $1 you spend on gas, office supplies and cell phone/internet bill payments*
  • Earn 1.5 BMO Rewards points for every $1 you spend*
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass, with two annual complimentary passes*
  • Get up to 7 cents off per litre on all Shell®± fuel*
Legal

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

Annual Fee
  • Primary card $149
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 18.99 %
  • Cash Advance Rates 23.99 %
  • Balance Transfer Rates 23.99 %
Earning Rate
  • Gas4Points
  • Telecom/Internet4Points
  • Office Supplies4Points
Value
  • Year 1 $1,196
  • Year 2+ $231
Best For
Transfer Partners
  • BMO Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • 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*.
  • FREE additional cards
  • Extended Warranty*
  • Purchase Protection*
Legal

*Terms and conditions apply

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

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • Groceries3%
  • Recurring Payments1%
  • All Spending0.5%
Value
  • Year 1 $358
  • Year 2+ $258
Best For
  • Grocery stores
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
bmo-cashback-no-fee-business-rgb-eng-for-online
Business Card
  • No annual fee
  • Free Supplementary Cards
  • Accepted at Costco
Learn More

Welcome offer:

  • Get 10% cash back on gas, office supplies, and recurring cell phone/internet bill payments for 3 months
  • 0.00% introductory interest rate on Balance Transfers for 9 months with a 3% transfer fee.*

 

  • Get 1.75% cash back on purchases at Shell®†† gas stations
  • Get 1.5% cash back on eligible gas stations, office supplies purchases and on your cell phone and internet recurring payments*
  • 0.75% cash back on all other card purchases*
  • Get up to 7 cents off per litre on all Shell®± fuel*
  • No annual fee*.
Legal

*Terms and conditions apply

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

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 23.99 %
  • Balance Transfer Rates 23.99 %
Earning Rate
  • Gas1.5%
  • Recurring Payments1.5%
  • Telecom/Internet1.5%
Value
  • Year 1 $359
  • Year 2+ $234
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Best no-fee cash back credit card in 2023
  • Apply for the Tangerine Money-Back Credit Card and receive an additional10% rebate cash back*(up to $100) when you spend up to $1,000 on everyday purchases during the first 2 months.
  • Benefit from a promotional interest rate of 1.95% on balance transfers for 6 months.
  • Earn 2% cash back on purchases in 2 categories of your choice and 0.5% cash back on all other regular purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • There’s no limit to the cash back you can earn on your regular purchases.
  • Purchase protection and Extended Warranty
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.95 %
  • Cash Advance Rates 22.95 %
  • Balance Transfer Rates 22.95 %
Earning Rate
  • All Spending0.5%
  • Groceries0.5%
  • Gas0.5%
Value
  • Year 1 $220
  • Year 2+ $120
Best For
  • Grocery stores
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Welcome Offer : 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 ends June 30, 2025.
  • 1% cash back on all eligible purchases at gas stations, grocery stores, drugstores and on recurring payments.
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*Conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries1%
  • Gas1%
  • Drugstores1%
Value
  • Year 1 $280
  • Year 2+ $180
Best For
  • Grocery stores
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Get a 2.99% introductory interest rate with 0% fee on balance transfers for the first 6 months (22.99% after that; annual fee $39). The offer ends on October 31, 2025.
  • Earn 2% cash back on all eligible purchases at gas stations, grocery stores, drugstores and on recurring payments.
  • Earn 1% cash back on all other eligible purchases.
Legal

*Conditions apply.

Annual Fee
  • Primary card $39
  • Additional card $15
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2%
  • Gas2%
  • Drugstores2%
Value
  • Year 1 $321
  • Year 2+ $321
Best For
  • Grocery stores
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 0.99% introductory rate on balance transfers for the first 9 months (2% fee per cash advance; after: rate of 13.99% and annual fee of $29)*
  • No annual fee for the first year*
  • Save hundreds of dollars in interest each year
  • Low 13.99% interest rate
  • Pay down balances faster
  • Simplify your monthly payments
Legal

*Conditions apply. Rates, fees and other information are effective as of January 3, 2025. Subject to change.

Annual Fee
  • Primary card $29
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 13.99 %
  • Cash Advance Rates 13.99 %
  • Balance Transfer Rates 13.99 %
Value
  • Year 1 $0
  • Year 2+ $-29
Best For
  • Low Interest

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance