Best For: Dining

• 2.99% introductory interest rate on Balance transfers for the first 6 months (22.99% after that, annual fee $79)
• 3% cash back on purchases at gas stations, restaurants and office supply stores, as well as on recurring payments, and 1% on all other eligible everyday purchases for your business.
• 25-day interest-free grace period on new purchases
• Suite of comprehensive insurances
• Enjoy the flexibility of buying now and paying little by little with Scotia SelectPay^TM

Special Offer:

• Enter the code MILESOPEDIA when you apply for your card
• Get $20 in your KOHO account after the first purchase within the first 30 days

Features:

• Earn an extra 2% cashback on eating & drinking, billing & services, and groceries on top of minimum 0.5% cash back on all purchases. Plus, receive up to 50% cash back at selected merchants.
• Accepted at Costco
• Earn 4% interest on both your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
• $22 per month billed monthly or $177 per year billed annually ($14.75 per month)
• Access the following features, exclusive to the Everything Plan:
  • No FX fees on purchases
  • 1 free international ATM withdrawal per month
  • Credit enhancement for $5/month instead of $10
  • Access all the features of a KOHO account such as Card Security, Goals, and RoundUps.
  • Strengthen your credit with the 6-month Credit Enhancement Program for only $5/month and earn cash back with the KOHO Prepaid Mastercard Complet.
  • Get access to a cash advance of up to $250 at 0% interest with KOHO Cover

A game-changer card for teens

A card designed for teens and great for all. The JA Money card—powered by Neo gives you the tools to manage your money, save smarter, and get rewarded.

Exclusive cashback offers at Neo partners

• Restaurants & Food Delivery: Enjoy 5% average cashback at awesome restaurants and Uber Eats.
• Clothing & Footwear: Shop the latest styles and score 2% cashback at stores like Dynamite, JD Sports, and Simons.
• Books & eBooks: Catch up on reading with 2% cashback at places like Chapters, Indigo, and Kobo.
• Games & Entertainment: Level up with 2% cashback at spots like PlayStation, Xbox, Nintendo, and Steam.
• Health & Fitness: Stay active with 2% cashback at places like GoodLife Fitness and YMCA.
• And more: Use the Neo app to discover over 10,000 places to earn rewards— it’s like the Google Maps of cashback.

Features and benefits

• Get notified in real time: Know what’s happening with your money at all times. Get notified anytime money goes in or out of your account, freeze and unfreeze your card instantly.
• Safe, secure deposits: Deposits are eligible for CDIC protection², and payments are protected by a world-class security infrastructure.
• Advanced app security: Protect your account with Face ID, fingerprint lock, and two-factor authentication.

Earn up to 25,000 bonus points:

• Get 20,000 points when you spend $1,500 in your first 3 months.*
• Plus, earn up to 5,000 bonus points every year:
  • 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points*
  • 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months*
• Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout*
• Then get 1 point for every $2 spent on everything else!*
• Get a 0.99% introductory interest rate on Balance Transfers for 9 months (2% fee applies to balance amounts transferred*)
• Mobile Device Insurance that covers you for up to $1,000*
• Pay with Points by browsing your recent transactions and redeem your Points for as little as $1*
• Receive a discount on car rentals*
• Purchase Protection*
• Extended Warranty*

Get up to 10,000 bonus points – a value of $80!

• Get 3,000 welcome points upon your first purchase with the moi RBC® Visa card
• Receive an additional 3,500 points when you spend $500 in the first three months of opening your card
• Receive an additional 3,500 points when you spend $2,000 in the first twelve months of opening your card
• Offer ends on July 8, 2025.

Get 2X the points on:

• Eligible purchases made in participating stores at Metro, Première Moisson and Brunet at Quebec, and at Jean Coutu at Quebec, in Ontario and New Brunswick when you swipe your Moi card and pay with your moi RBC Visa Credit Card.
• Dining, gas and EV charging

Earn 1 point per dollar spent on all other eligible purchases

Moi makes it easy to redeem

• Redeem points faster at checkout with your Moi card. Only 500 Moi points gets you $4 off your in-store or online purchase, before taxes, at nearly 900 Metro, Super C and Brunet stores in Quebec and Jean Coutu stores in Quebec, Ontario and New Brunswick.
• Your Moi points don’t expire

Petro-Canada

• Link your moi RBC Visa credit card to your Petro-Points card to save 3¢/L instantly on gas and earn 20% more Petro-Points 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 brands you love with your moi RBC Visa credit card!

Card features:

• 60 XP welcome bonus for new cardholder + 30XP on your card anniversary renewal
• First-year annual fee rebate (instead of $132)
• Up to 30 Miles per $1 spent at Merchant Partners
• 2 Miles per $1 spent on food and drinks (restaurants, bars)
• 1 Mile per $1 spent everywhere else
• Free Wi-Fi Boingo

• 3% cash back at restaurants
• 3% cash back at Costco gas and 2% cash back at other gas stations (on the first $5,000 net annual card purchases. Beyond that, you’ll earn 1% cash back)
• 2% cash back at Costco.ca (on the first $8,000 net annual card purchases. Beyond that, you’ll earn 1% cash back)
• 1% cash back on all other purchases including at Costco

The $5,000 and $8,000 limit will reset to zero annually on January 1.

Special offer:

• Enter the code KOHOMILES when applying for your card.
• Get 3 months’ subscription to the Extra Plan for free (a discount of $18 per month) and $20 cash back

Features:

• Earn 1.5% cash back on 3 main spending categories (food, bills & services, meals and beverages) plus a minimum 0.25% cash back on all purchases.
• Accepted at Costco
• Earn 3% interest on your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
• $18 per month billed monthly or $144 per year billed annually ($12 per month)
• No conversion fees on foreign purchases
• 1 free international ATM withdrawal per month
• Credit enhancement for $7/month instead of $10
• Access all KOHO account features such as Safe, Goals and Rounding Amounts
• Get access to a cash advance of up to $250 at 0% interest with KOHO Cover

• New American Express^® Aeroplan^®* Cardmembers can earn up to 40,000 Aeroplan points:
  • Earn 30,000 Aeroplan points after charging $3,000 to your Card in the first 3 months.
  • Plus, earn an additional 10,000 Aeroplan Points when you spend $1,000 in the 13th month.
  • That’s up to $900 or more in value when you combine your welcome bonus and card benefits.
• Standard Earn Rate: Earn 2X the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
• Standard Earn Rate: Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada
• Standard Earn Rate: Earn 1X the points on everything else
• Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights
• Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible net purchases charged to your Card
• As an American Express Aeroplan Cardmember, you can often book flight rewards for even fewer points with preferred pricing
• Amex Experiences^TM: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home
• Enjoy an array of travel related insurance benefits such as Lost or Stolen Baggage Insurance and up to $500,000 in Travel Accident Insurance
• 24/7 Customer Service and Emergency Card Replacement
• As part of our commitment to sustainability, the American Express^® Aeroplan^®* Card has been made with 70% reclaimed plastic.
• No pre-set spending limit on purchases gives you flexibility. Using a charge card is a great way to manage your finances as the balance must be paid in full each month*

• New American Express® Aeroplan®* Reserve Cardmembers can earn up to 130,000 Aeroplan points.
  • Earn 60,000 points after you spend $7,500 on your Card in your first 3 months of Cardmembership
    
  • Plus, earn an additional 40,000 points after you spend a total of $45,000 on your Card in your first 12 months of Cardmembership
    
  • You can also earn 30,000 points when you make a purchase between 15 and– 17 months of Cardmembership
  • That’s up to $3,500 or more in value when you combine your bonus points and card benefits
  • Offer ends August 18, 2025
• Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide
• Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada^®* and Air Canada Vacations^®*
• Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else
  
• Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling
• Enjoy access to select Air Canada Maple Leaf Lounges^™* and Air Canada Café^™ in North America for you and a guest, with a same day ticket on a departing Air Canada^®* or Star Alliance^®* flight
• Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights
• Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels
• Get access with your American Express^® Aeroplan^®* Reserve Card to more than 1,200 Priority Pass airport lounges That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
• Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
• Amex Experiences^TM opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
• Get more from your travel experience at Toronto Pearson International Airport with:
  • Access to Pearson Priority Security Lane
  • Complimentary valet service at the Express Park and Daily Park
  • 15% discount on parking rates at the Express Park and Daily Park
  • 15% discount on Auto Care services
• American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13 g metal – it’s the perfect companion on your next exceptional journey
• Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of