Network: Mastercard

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.

• 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.

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††††

• Guaranteed Approval
• No hard credit check
• No annual fee
• Up to 5% cash back at partner restaurants and bars

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

• Welcome offer: 150,000 PC Optimum points when you spend $3,000 or more using your new PC Insiders™ World Elite Mastercard® anywhere within the first 4 months.
• Unlimited $0 online grocery delivery and pickup with a complimentary PC Express Pass (valued at $99.99 per year), valid on eligible orders of $35 or more.
• 50 PC Optimum points per dollar spent at Shoppers Drug Mart
• 40 PC Optimum points per dollar spent in Loblaw stores
• 30 PC Optimum points for every $1 in purchases from PC Travel
• 30 PC Optimum points per litre of gas at Esso/Mobil
• 10 PC Optimum points per dollar of purchases everywhere else