Best For: Grocery stores

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!

• $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.

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.

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.

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.

• Up to 5% cashback on gas and grocery and up to 2% everywhere else
• Earn up to $1,213 in cashback annually
• Mastercard World Elite^® travel benefits including Extended Warranty & Purchase Protection, Auto Rental Collision Loss Damage, and Comprehensive Travel Insurances
• Get up to $30,000 credit limit, instantly
• Earn additional cashback at over 10,000 Neo network partners
• Annual fee: $149
• Secured option to build credit history

• Up to 2% cash back on grocery, gas and recurring payments. And 0.5% on everything else.
• Receive bonus cash back based on your Neo Everyday account balance: up to 4% back at the grocery store
• Earn additional cash back at over 10,000 Neo network partners
• No annual fee
• Secured option to build credit history

• No annual fee
• Receive a $50 Tims digital gift card after your first purchase*
• No credit history is required
• Earn 5 points for every dollar spent at Tim Hortons
• Earn 2 points for every dollar spent on groceries, gas, electric vehicle charging and public transit
• Earn 0.25 points for every dollar spent on all other purchases
• Up to one year extended warranty
• Full integration into the Tim Hortons app
• Earn Tims Rewards^™ points wherever you shop*
• Annual interest rate for purchases: 20.99% to 26.99% (20.99% to 24.99% for residents of Quebec)
• Annual interest rate for cash advances: 22.99% to 27.99% (22.99% to 24.99% for residents of Quebec)

• No annual fee
• Receive a $50 Tims digital gift card after your first purchase*
• Earn 15 points for every dollar you spend at Tim Hortons by presenting your Tims Rewards card
• Earn 5 points for every dollar spent on groceries, gas, electric vehicle charging, public transit, cabs and carpooling services
• Earn 0.5 points for every dollar spent on all other purchases
• Up to one year extended warranty
• Full integration into the Tim Hortons app
• Annual interest rate for purchases: 20.99% to 26.99% (20.99% to 24.99% for residents of Quebec)
• Annual interest rate for cash advances: 22.99% to 27.99% (22.99% to 24.99% for 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.