Best For: Dining

Join and get up to $100 in value^† with no annual fee.

Here’s how it adds up:

Get up to 6,000 Adapta points during your first year (up to $50 in value^†) :

• Receive a Welcome Bonus of 3,000 Adapta Points after your first purchase† (up to $25 value^†)
• Get 3,000 Adapta Points when you spend $1,000 in the first 4 monthly statement periods† (up to $25 value^†)
• Includes membership to roadside assistance^† after you make your first purchase. Services include battery boosting, gas delivery, towing and more, offered by Dominion Automobile Association ($50 value^†)

Adapta points accumulation

• Earn 1.5 Adapta points for every dollar you spend in your top 3 spend categories each month.
• Earn 1 Adapta point for every dollar you spend on all other purchases.

Spend categories

• Grocery and drug stores
• Pet stores
• Dining and drinks
• Gas and EV
• Transit and parking
• Entertainment
• E-games and subscriptions
• Home improvement
• Electronics
• Clothing
• Health and beauty
• Hotels and motels

Benefits

• Roadside assistance for primary cardholders. Offered by Dominion Automobile Association (DAA), you’ll get access to services such as towing, battery boosting, gas delivery and much more.
• Save up to 10 cents per litre on gas. Get a discount every time you fill up at participating gas stations when you link your Adapta Mastercard with Journie Rewards™.

Accelerate cash back on common purchases!

• Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 1% cash back‡ on all other eligible purchases
• $39 annual fee
• Standard annual interest rates of 20.99% on purchases, 20.99% on balance transfers and 20.99% on cash advances
• Your personal annual income must be over $50,000, or your household annual income must be $80,000 or more††††

Take advantage of a card that provides Cash Back on eligible purchases. Apply now for the Smart Cash® World credit card.

Accelerate cash back on common purchases!

• $0 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‡ on all other eligible purchases
• Standard annual interest rates of 20.99% on eligible purchases, 20.99% on balance transfers and 20.99% on cash advances

Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for a Smart Cash Mastercard.

Welcome offer: Get up to $2,400 in value, including 70,000 VIPorter points, a round-trip companion pass† and $1,000 in Qualifying Spend†. Plus, the annual fee is waived for the first year†.

• Earn 3 points for every $1 spent on Porter purchases
• Earn 2 points for every $1 spent on gas and transportation
• Earn 2 points for every $1 spent on groceries and dining
• Earn 2 points for every $1 spent on hotel accommodations
• Earn 1 point for every $1 spent everywhere else

Benefits

• Automatically become an Avid Traveller (VIPorter Venture)
• One round-trip companion pass per year†
• 1 complimentary checked bag*
• 1 complimentary carry-on bag on all Porter fare types*
• Free PorterClassic seat selection*
• Priority security*
• Priority re-accommodation for flight delays*
• Dedicated check-in*
• Early boarding*
• No VIPorter points expiry*
• Earn $1 of Qualifying Spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

• 21-day out-of-province or country emergency medical insurance
• Trip Cancellation/Interruption/Delay insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight delay insurance
• Baggage insurance
• Hotel burglary insurance

Purchase Insurance

• Shop confidently with an extended warranty and purchase protection

Other Benefits

• Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit. Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register
• Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
• Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
• Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.

Welcome offer: Get up to $1,800 in value, including 40,000 VIPorter points and a 35% off flight voucher†. Plus, the annual fee is waived in the first year†.

• Earn 2 points for every $1 spent on Porter purchases
• Earn 1 point for every $1 spent on gas and transportation
• Earn 1 point for every $1 spent on groceries and dining
• Earn 1 point for every $1 spent on hotel accommodations
• Earn 0.5 points for every $1 spent everywhere else

Benefits

• Automatically become an Avid Traveller (VIPorter Passport)
• Priority re-accommodation for flight delays*
• Dedicated check-in*
• Early boarding*
• No VIPorter points expiry
• Earn $1 of Qualifying Spend for every $25 spent

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

• 8-day out-of-province or country emergency medical insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight delay insurance
• Baggage insurance
• Hotel burglary insurance

Purchase Insurance

• Shop confidently with an extended warranty and purchase protection

Other Benefits

• Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
• Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Get even more benefits: You may qualify for the BMO VIPorter World Mastercard tier of this card – which has the same fees and rates, but also includes experiences available only to World Mastercard cardholders.

Enjoy up to 50,000 bonus More Rewards points. That’s a value of $75 in groceries!

• Earn 30,000 welcome More Rewards points upon your first purchase with the More Rewards RBC Visa Infinite Card.
• Receive 20,000 bonus More Rewards points when you spend $500 in the first three months of opening your card
• Offer ends on June 25, 2025.

8 Points per Dollar on Grocery and Pharmacy Partner Locations

• Earn 8 More Rewards points for every dollar spent at over 700 partner locations like Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy locations and more.

8 Points per Dollar on Gas and EV Charging

• Earn 8 More Rewards points for every dollar you spend on gas or EV charging purchases when paying with your More Rewards RBC Visa Infinite credit card.

8 Points per Dollar on Dining

• Earn 8 More Rewards points for every dollar you spend on dining purchases when paying with your More Rewards RBC Visa Infinite credit card.

4 Points per Dollar on All Other Purchases Anywhere You Shop

• Earn 4 More Rewards points for every dollar you spend on every other purchase you make everywhere you shop with your More Rewards RBC Visa Infinite credit card.

Petro-Canada

• Link your More Rewards RBC Visa Infinite Card to your Petro-Points™ card to save 3¢/L on gas at Petro-Canada™.

Purchase Security and Extended Warranty Insurance

• It automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and the extended warranty doubles the original Canadian manufacturer’s warranty for up to one additional year, for a maximum of five years.

RBC Offers

• Get exclusive savings, perks, and more with your More Rewards RBC Visa Infinite credit card.

The More Rewards RBC Visa Infinite Card is not available to residents of Quebec.

Enjoy up to 50,000 bonus More Rewards points. That’s a value of $75 in groceries!

• Earn 30,000 welcome More Rewards points upon your first purchase with the More Rewards RBC Visa Card.
• Receive 20,000 bonus More Rewards points when you spend $500 in the first three months of opening your card
• Offer ends on June 25, 2025.

5 Points per Dollar on Grocery and Pharmacy Partner Locations

• Earn 5 More Rewards points for every dollar spent at over 700 partner locations like Save-On-Foods, Quality Foods, Buy-Low Foods, PriceSmart Foods, Urban Fare, Nesters Market, Pure Integrative Pharmacy locations and more.

5 Points per Dollar on Gas and EV Charging

• Earn 5 More Rewards points for every dollar you spend on gas or EV charging purchases when paying with your More Rewards RBC Visa credit card.

5 Points per Dollar on Dining

• Earn 5 More Rewards points for every dollar you spend on dining purchases when paying with your More Rewards RBC Visa credit card.

3 Points per Dollar on All Other Purchases Anywhere You Shop

• Earn 3 More Rewards points for every dollar you spend on every other purchase you make everywhere you shop with your More Rewards RBC Visa credit card.

Petro-Canada

• Link your More Rewards RBC Visa to your Petro-Points™ card to save 3¢/L on gas at Petro-Canada™.

Purchase Security and Extended Warranty Insurance

• It automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and the extended warranty doubles the original Canadian manufacturer’s warranty for up to one additional year, for a maximum of five years.

RBC Offers

• Get exclusive savings, perks, and more with your More Rewards RBC Visa credit card.

The More Rewards RBC Visa Card is not available to residents of Quebec.

Accelerate rewards points on common purchases!

• Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible purchases in those categories thereafter – in both cases, these earn rates apply until $10,000 is spent annually in the applicable category. 1 point‡ for every $1 spent on all other eligible purchases
• Receive5,000 bonus points†† ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening
• Receive 5,000 bonus points†† ($25 in cash back value) once enrolled for e-statements within the first 90 days of account opening
• Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points
• Redeem points‡ for brand-name merchandise, gift cards from participating retailers, cash back, charitable donations, and travel
• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪, and 24.99% on cash advances
• Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown
• No Annual Fee.

Take advantage of an everyday rewards card with no annual fee. Apply now for the MBNA Rewards® credit card.

Receive up to 30,000 bonus points (approximately $250 cash back value):

• Receive 20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening.
• Receive 10,000 bonus points†† (approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
• Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point‡ for every $1 on all other eligible purchases
• Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.
• Redeem points‡ for brand-name merchandise, gift cards from participating retailers, cash back, charitable donations, and travel.
• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪, and 24.99% on cash advances
• Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown
• $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
• To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater††††

This product is not available for Quebec residents.

Welcome offer:

• Double your cash back on Resturants, Bars and Coffee Shops.
• Earn 8% cash back^† for your first 3 months up to $1,000 in eligible spend.

Earn:

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

Other features:

• Purchase Security and Extended Protection Insurance.^† Protect your purchases with double the manufacturer’s warranty, up to one additional year.
• Get cash back when you send a Global Money Transfer and pay with your Visa* Card.^†
• Send money abroad for no fee with your Simplii Visa using Simplii Global Money Transfer.
• No annual fee