Best For: Grocery stores

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
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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

Get a total of up to 80,000 Aventura Points (up to $1,600 in travel value) during your first year:

  • 25,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods
  • 25,000 Aventura Points when you spend $6,000 or more in the first 4 monthly statement periods.
  • 30,000 Aventura Points as an additional anniversary bonus
  • Elevate your airport experience with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $250 value
  • Get a $200 annual Travel Credit
  • Plus, get 2 NEXUSTM Application Fee rebates4: a $100 value.
Legal

†Conditions Apply

Annual Fee
  • Primary card $499
  • Additional card $99
Annual Income Required
  • Individual $150,000
  • Household $200,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • All Spending1.25Aventura Points
  • Groceries1.25Aventura Points
  • Gas1.25Aventura Points
Value
  • Year 1 $1,061
  • Year 2+ $101
Best For
  • Grocery stores
Transfer Partners
  • CIBC Aventura

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
31 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
10 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • The best AIR MILES credit card for students
  • Get 800 AIR MILES Bonus Miles!*
  • That’s enough for $80 towards purchases with AIR MILES Cash*
  • Get AIR MILES bonus miles back every time you spend, plus start building a healthy credit history
  • Get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible grocery store*.
  • Get 1 Mile for every $25 spent everywhere else*
  • 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 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • AIR MILES partners0.12miles
  • All Spending0.04miles
  • Groceries0.04miles
Value
  • Year 1 $202
  • Year 2+ $110
Best For
  • Grocery stores
Transfer Partners
  • AIR MILES

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
  • The best cash back credit card for students
  • 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
    • 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 cash back every time you spend, plus start building a healthy credit history
  • Receive a discount on car rentals*
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
  • 25 PC Optimum points / $ at Shoppers Drug Mart
  • 10 PC Optimum points / $ at Loblaw stores
  • 20 PC Optimum points / $ from PC Travel
  • 30 PC Optimum points / liter of gas at Esso / Mobil
  • 10 PC Optimum points / $ everywhere else
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.97 %
  • Cash Advance Rates 22.97 %
  • Balance Transfer Rates
Earning Rate
  • Drugstores25Points
  • All Spending10Points
  • Groceries10Points
Value
  • Year 1 $240
  • Year 2+ $240
Best For
  • Grocery stores
Transfer Partners
  • Optimum

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
  • This offer does not apply to residents of Quebec.
  • $39 annual fee
  • Standard Annual Interest rates of 10.99% on purchases, 13.99% on balance transfers, and 24.99% on cash advances
  • This card is made entirely of recycled plastic
  • Around-the-clock-fraud protection
  • Use available credit on your credit card to transfer funds right to your chequing account.
Legal

†, ✪, Terms and Conditions apply.

The offer does not apply 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 about this MBNA credit card, 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 $39
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 10.99 %
  • Cash Advance Rates 24.99 %
  • Balance Transfer Rates 13.99 %
Value
  • Year 1 $-39
  • Year 2+ $-39
Best For
  • Grocery stores

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
  • 5X points on groceries and dining
  • Purchase Insurance
  • Accepted at Costco
Learn More
Best credit card for everyday spending in 2023

Receive up to 20,000 bonus points ($165 cash back value):

  • Receive 15,000 bonus points†† ($125 in cash back value) after your first eligible purchase within the first 90 days of account opening
  • Receive 5,000 bonus points†† once enrolled for 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 20.99% on eligible purchases, 20.99% on balance transfers✪, and 20.99% 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††††
Legal

††, ‡, ✪, ***, ††††, Terms and Conditions apply.

This offer is only available to residents of Quebec. For residents of other provinces/territories please click here.

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 $120
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
    20.99 % (QC)
  • Cash Advance Rates 24.99 %
    20.99 % (QC)
  • Balance Transfer Rates 22.99 %
    20.99 % (QC)
Earning Rate
  • Groceries5Points
  • Dining and Food delivery5Points
  • Recurring Payments5Points
Value
  • Year 1 $733
  • Year 2+ $533
Best For
  • Grocery stores
Transfer Partners
  • MBNA 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
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

Use it to earn it

  • 1 point on Gas and Grocery
  • 1 point on Recurring Payments
  • 0.5 point on everything else

Earn up to $40 in points

  • Earn up to 2,000 bonus points when you make your first purchase within the first three months and set up a pre-authorized payment.
  • Plus, earn 2,000 bonus points when you refer a friend or family member.
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 22.99 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Groceries1%
  • Gas1%
  • Recurring Payments1%
Value
  • Year 1 $178
  • Year 2+ $138
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

Use it to earn it

  • 2% cash back on Gas and Grocery
  • 2% cash back on Recurring Payments
  • 1% cash back on Everything Else

Up to $80 cash back as a welcome bonus:

  • $50 cash back when you spend $1,000 in the first three months
  • $10 cash back when you set up a pre-authorized payment within the first three months
  • $20 cash back for each friend or family member you refer
Annual Fee
  • Primary card $65
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Groceries2%
  • Gas2%
  • Recurring Payments2%
Value
  • Year 1 $375
  • Year 2+ $295
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

Use it to earn it

  • 2 points on Gas, Grocery, Travel and Transportation
  • 2 points on Recurring Payments
  • 1 point on everything else

Earn up to $140 in points

  • Earn 10,000 bonus points, valued at $100, when you spend $1,500 in the first three months.
  • Earn 2,000 bonus points, valued at $20, when you set up a pre-authorized payment within the first three months.
  • Earn 2,000 bonus points, valued at $20, for each friend or family member you refer.
Annual Fee
  • Primary card $130
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Groceries2%
  • Gas2%
  • Local Transport2%
Value
  • Year 1 $387
  • Year 2+ $247
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
$5,000,000
31 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,000
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance