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Rewards Credit Cards
The following reward credit cards offer rewards programs or cash back. Rewards credit cards come with rewards for using the credit cards -- with points programs or cash back. Compare the rewards credit cards listed below and apply online for the one that's right for you.
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| Smart Cash MasterCard® credit card |
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- Get up to 5% cash back on qualifying net retail gas and grocery purchases for the first 6 months††
- Get up to 3% cash back on qualifying net retail gas and grocery purchases thereafte†
- Get up to 1% cash back for all other qualifying net retail purchases†
- 1.99% introductory annual interest rate† on balance transfers* and cheque cash advances for 10 months
- Feel secure with around-the-clock fraud protection
- Enjoy free online access to your credit card account
- No annual fee
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Typical APR
19.99%* | Balance Transfer
19.99%* | Balance Transfer Fee
1%* | Annual Fee
None* | Credit Needed
Good |
| American Express® Gold Rewards Card |
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- Earn double points for every $1 in eligible travel purchases charged to the Card, including flights, hotels, car rentals, cruises, and more.
- Plus, earn double points for every $1 in eligible gas, grocery and drugstore purchases charged to the Card.
- You'll also earn one point for every $1 in Card purchases everywhere else.
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Typical APR
N/A* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
No Annual Fee for the first year; $150 Annual Fee thereafter* | Credit Needed
Excellent Credit* |
| CIBC Aerogold® VisaTM Card |
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- Earn 1 Aeroplan Mile for every dollar you spend on the card3
- 1.5 Aeroplan Miles for every dollar you spend at gas, grocery and drugstores4
- Earn additional Aeroplan Miles when you use the card at participating Aeroplan Partners
- Enjoy access to every available seat on Air Canada and Air Canada Jazz, including Executive Class/Executive First®15
- A guarantee from CIBC that you will not lose your Aeroplan Miles due to 12 months inactivity 6
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Typical APR
19.99%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$120.00* | Credit Needed
Excellent |
| No-Fee American Express® AIR MILES®* Credit Card |
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- Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors.
- Earn 1 reward mile for every $20 in Card purchases everywhere else.*
- As well, shop at participating AIR MILES®* Sponsors across Canada with your Card and your AIR MILES®* Collector Card, and you can earn reward miles from both.
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Typical APR
19.99%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Excellent |
| American Express® Air Miles® Platinum Credit Card |
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- Earn 1 reward mile for every $10 in Card purchses at AIR MILES®* Sponsors.
- Now - Earn 1 reward mile for every $10 in Card purchases at other eligible gas, grocery and drugstores.
- Earn 1 reward mile for every $15 in Card purchases everywhere else.
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Typical APR
19.99%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
First Year Free; $65 Annual Fee thereafter* | Credit Needed
Excellent |
| BMO AIR MILES MasterCard®* |
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- No annual fee
- 1 AIR MILES reward mile for every $20 in card purchases
- 1.25x reward miles at Shell locations in Canada
- 1.5x reward miles at National Car Rental & Alamo Rent A Car locations worldwide
- Up to 25% rental discount at National Car Rental & Alamo Rent A Car locations worldwide
- 19.5% interest rate, 12.9% interest rate available for $45/year
- en Français
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Typical APR
19.50%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Good |
| Scotia Momentum® VISA Card |
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- 1.99% introductory interest rate on cash advances and balance transfers for the first six months. Balance transfer fee does not apply to introductory offers.
- A full 2% cash back on all eligible grocery store, gas station, drug store purchases and recurring bill payments
- A full 1% cash back on all other eligible purchases
- Purchase security and extended warranty protection
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Typical APR
19.99%* | Balance Transfer
21.99* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$39* | Credit Needed
Good |
| Choice Privileges® MasterCard® Credit Card |
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- Up to 16,000 points - that's enough for two free nights at over 1,500 locations across North America
- Up to 15 points for every $1 in qualifying net retail purchases at over 5,000 Choice Privileges locations
- 2 points for every $1 qualifying net retail spent on everyday purchases
- Plus you get automatically upgraded to Elite Gold status — earning you more points for every eligible stay
- No annual fee
- Enhanced security and protection with Chip & PIN technology and PayPass
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Typical APR
16.99%* | Balance Transfer
1.99% for 6 months* | Balance Transfer Fee
1%* | Annual Fee
$0* | Credit Needed
Good |
| BMO Gold AIR MILES MasterCard®* |
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- 1 AIR MILES reward mile for every $15 in card purchases
- Exclusive 25% discount on the number of reward miles required for all AIR MILES flights worldwide
- 1.25x reward miles at Shell locations in Canada
- BMO Travel Protection including Collision Damage Waiver coverage for car rentals. Save $29/yr
- 19.5% interest rate, 12.9% available for $45/year
- Worldwide acceptance at over 30 million locations
- en Français
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Typical APR
19.50%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$99* | Credit Needed
Good |
| Aspire™ Travel World MasterCard® |
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- Earn more reward miles — on everything you buy!
- Earn 2 reward miles for every $1 — on all purchases
- 35,000 bonus reward miles with your first purchase
- 10,000 anniversary bonus reward miles every year
- Redeem for travel, cash, merchandise and gift cards
- World MasterCard benefits including Travel Emergency Medical Insurance and Trip Cancellation Insurance
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Typical APR
Prime + 16.8% | Balance Transfer
Prime + 16.8% | Balance Transfer Fee
N/A* | Annual Fee
$120* | Credit Needed
Good |
| Delta SkyMiles® World MasterCard® |
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- Earn Delta miles on everything you buy
- Get 25,000 bonus Delta miles with first purchase
- Earn 2 Delta miles for every $1 you spend on Delta purchases
- Earn 1 Delta mile per $1 for all other net purchases
- Earn 2,500 bonus Delta miles on your account anniversary, every year.
- Get 2,500 bonus Delta miles by adding an authorized user
- Valuable World MasterCard Benefits
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Typical APR
19.8%* | Balance Transfer
19.8%* | Balance Transfer Fee
N/A* | Annual Fee
$120* | Credit Needed
Good |
| Sony Card MasterCard® credit card |
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- No Annual Fee
- Get 2,000 Sony Points after your first qualifying transaction††
- Earn Double Sony Points with every purchase of Sony products at SonyStyle.ca or the Sony store/Maison Sony‡
- Browse through the complete SonyStyle.ca catalogue including PlayStation Games, VAIO Wireless Notebooks, BRAVIA LCD Televisions, MP3 Walkman Digital Music Players, movies, software, media, and so much more!
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Online access to your credit card account
- Around-the-clock fraud protection
- Unparalelled 24-hour Customer service
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Typical APR
19.99%* | Balance Transfer
19.99%† | Balance Transfer Fee
1%* | Annual Fee
None* | Credit Needed
Good |
| Aspire™ Travel Platinum MasterCard® |
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- Earn reward miles — with no annual fee!
- No Annual Fee
- Earn 1 reward mile for every $1 spent — on all purchases
- 5,000 bonus reward miles with your first purchase
- 1,000 anniversary bonus reward miles every year
- Redeem for travel, cash, merchandise or gift cards
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Typical APR
Prime + 16.8% | Balance Transfer
Prime + 16.8% | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Good |
| Scotia Momentum® No-Fee VISA Card |
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- Cash back and no annual fee
- 7.99% introductory interest rate on purchases for the first six months
- 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring bill payments and 0.5% on all other eligible purchases
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Typical APR
19.99%* | Balance Transfer
21.99%* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$0* | Credit Needed
Good |
| MBNA PremierRewards® |
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- 1% back on all net retail purchases
- No Annual Fee
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Around-the-clock fraud protection
- Online access to your credit card account
- Unparalleled 24-hour Customer service
- Immediate cash access at 430,000 ATMs internationally
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Typical APR
19.99%* | Balance Transfer
N/A† | Balance Transfer Fee
1%* | Annual Fee
None* | Credit Needed
Good |
| Delta SkyMiles® Gold MasterCard® |
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- Earn Delta Miles on everything you buy
- 2,500 bonus Delta miles with first purchase
- 1 Delta miles for every $1 you spend on Delta purchases
- 1 Delta mile per $2 for all other net purchases
- Gold benefits including Purchase Assurance
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Typical APR
19.8%* | Balance Transfer
19.8%* | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Good |
| ScotiaGold Passport® VISA Card |
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- Kick-start your travel plans with 30,000 bonus points on your first purchase. That's worth $300 in travel rewards.
- Balance transfer fee does not apply to introductory offers.
- You'll also receive an introductory annual fee of $99 for the first year.
- Earn one Scotia Rewards 1 point for every $1 you spend
- Travel anywhere, at any time of the year with no restrictions
- Comprehensive travel insurance included with the card
- 5% cash back on travel purchased through Scotia Rewards - book online or by phone
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Typical APR
19.99%* | Balance Transfer
21.99* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$110* | Credit Needed
Good |
| Guaranteed MasterCard® |
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- May help you strengthen your credit history
- 24/7 customer service online or by phone
- $0 fraud liability for unauthorized use
- Security funds not required, unless we contact you
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Typical APR
19.8%* | Balance Transfer
19.8%* | Balance Transfer Fee
N/A* | Annual Fee
$59* | Credit Needed
Bad |
| CIBC Aero Classic VisaTM Card |
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- Receive 1 Aeroplan Mile for every two dollars you spend on the card1
- Receive up to double Aeroplan Miles when you use your CIBC Aero Classic Visa Card to dine, golf, or stay at any participating CIBC Bonus RewardsTM establishment3
- A guarantee from CIBC that you will not lose your Aeroplan Miles due to 12 months of account inactivity4
- Enjoy unsurpassed acceptance across Canada, and in over 24 million locations worldwide
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Typical APR
19.99%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$29.00* | Credit Needed
Good |
| Fusion™ Platinum MasterCard® |
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- The low interest rate you need with rewards you want
- 5,000 bonus reward miles on your first purchase
- Earn 1 reward mile for every $2 — on everything you buy
- Guaranteed rate of 9.9% fixed on purchases and balance transfers
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Typical APR
9.9%* | Balance Transfer
9.9%* | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Excellent |
| Cash Gold MasterCard® |
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- 1% cash rewards on all of your purchases
- Earn rewards while you build your credit history the smart way
- Guaranteed access to credit
- Set up text and e-mail alerts to help you stay on track
- Security funds not required, unless we contact you
- Valuable Gold MasterCard benefits including $0 Fraud Liability
- Exclusive online offer
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Typical APR
21.9%* | Balance Transfer
21.9%* | Balance Transfer Fee
N/A* | Annual Fee
$39* | Credit Needed
No Credit / Limited Credit History* |
| Scotia Momentum® VISA Infinite Card |
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- 1.99% introductory interest rate on cash advances and balance transfers for the first six months. Balance transfer fee does not apply to introductory offers.
- A full 4% cash back on all eligible gas station and grocery store purchases
- A full 2% cash back on eligible drug store purchases and recurring bill payments
- A full 1% cash back on all other eligible purchases
- Plus many exclusive VISA Infinite benefits and privileges.
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Typical APR
19.99%* | Balance Transfer
21.99%* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$99* | Credit Needed
Excellent |
| BMO CashBack MasterCard®* |
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- No annual fee
- 0.5% CashBack on every card purchase
- 1.5% CashBack at Shell locations in Canada
- 1.5% CashBack at National Car Rental & Alamo Rent A Car locations worldwide
- Up to 25% rental discount at National Car Rental & Alamo Rent A Car locations worldwide
- 19.5% interest rate, 12.9% available for $45/year
- en Français
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Typical APR
19.50%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Good |
| CIBC Aventura Infinite Visa™ Card |
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- 1.5 Aventura Points for every dollar you spend in card purchases at gas stations, grocery and drug stores2
- 1 Aventura Point for every dollar charged to the card at other locations3
- Choose from over 100 airlines with Aventura Airline Travel Rewards with no blackout periods, fees or restrictions4
- Redeem your Aventura Points for various travel options (choose from thousands of hotels, major car rental agencies, cruise lines and tour packages)
- Receive Out-of-Province Travel Medical Insurance5 for the first 15 days of a trip as the primary cardholder (age 64 or under)
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Typical APR
19.99%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$120.00* | Credit Needed
Excellent |
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