• Low, long-term interest rate of 5.99% as long as you pay your bills on time! Plus, this low rate is guaranteed for three years – all for no annual fee. On December 2012, after your three years are up, your annual interest rate becomes a variable rate of Prime +2.99%
• Add Reward Miles or 1% Cash Back for a $99 annual fee

• Up to 2% of your purchases in BONUSDOLLARS
• Annual cashback of 1% on your purchases
• Comprehensive travel insurance
• Accord D Desjardins financing, a second, separate credit limit
• Cash advances up to $5,000 a day, anywhere in the world

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

• Get up to a 1% Moneyback reward on purchases
• Credit limit of $500 to $2,000

Notes:

1. Interest rate not mentioned on website.

• 0.5% CashBack on every card purchase
• 1.5% CashBack at Shell, National Car Rental & Alamo Rent A Car
• Up to 25% rental discount at National Car Rental & Alamo Rent A Car
• Get an affinity card that supports your cause

Notes:

1. Low 11.9% interest rate available for an additional $35 per year.
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.

• 2 CashBack reward levels to choose from
• Premium - earn 1% CashBack ($60 annual fee for owner card)
• No Fee - earn 0.5% CashBack (No annual fee for owner card)

Notes:

1. $60 annual fee for Premium.
2. Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
3. Or 12.9% on purchases & 8.9% on cash advances for $35 per year.

• 1% CashBack on every card purchase
• 3% CashBack at Shell, National Car Rental & Alamo Rent A Car
• Free BMO Roadside Assistance includes battery boosts, flat tire change, lock-out service and towing
• Up to 25% rental discount at National Car Rental & Alamo Rent A Car
• Get an affinity card that supports your cause

Notes:

1. Low 11.9% interest rate available for an additional $35 per year.
2. Interest rate not mentioned on website.
3. Interest rate not mentioned on website.

• Customize your credit card to suit your lifestyle as a student
• Enjoy exclusive discounts at thousands of SPC Card retailers nationwide for NO ADDED FEE
• One time SPC Card registration – no need to renew
• Earn added Rewards with AIR MILES® reward miles or CashBack®

Notes:

1. Low 11.9% interest rate available for an additional $35 per year.

• Earn up to 1% cash back on net purchases you make with your card
• Purchase Security and Extended Protection Insurance - Protect your personal purchases with automatic coverage for replacement, repairs or reimbursement on most purchases when charged to your card
• CIBC CreditSmart®, a revolutionary array of smart credit management features

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

• Earn up to 2% in cash dividends, up to $735 annually
• CIBC CreditSmart™ - enjoy smart, customized tools and innovative services that will help you better organize and manage your credit card spending

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

• Receive $25 to spend at Starbucks after your first Visa purchase
• A Visa Credit Card and reloadable Starbucks Card in one
• Earn 1% back with every Visa purchase you make and earn 3% back when you automatically reload your Duetto Dollars Account
• $1 Duetto Dollar equals $1 to be used at participating Starbucks
• Give back to local communities - Starbucks will donate $5 to Ethos Water Fund of the Starbucks Foundation when you first use your card

Notes:

1. Interest rate not mentioned on website.

• Rewards up to 1% Moneyback reward every year on the purchases you've made with your card

• Earn 1% Cash Rebate on net purchases charged to your card and all supplementary cards
• Exclusive Deluxe TD Auto Club Benefits

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.
More information about the TD Gold Elite VISA® Card

• Earn a 0.5% cash reward on the first $3,000 in net annual purchases charged to your card
• Earn a 1% cash reward on your net annual purchases over $3,000 (to a maximum annual purchase limit of $25,000)
• Cash reward will be credited directly to your TD Rebate Rewards Visa Account at the beginning of each year

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

• Earn 2% cash back on all your gas and grocery purchases at major gas stations and grocery stores
• Earn 1% cash back on all your other purchases
• When you're ready to redeem your 2% cash back from all those gas and grocery purchases, you can either have a cheque mailed to you or have it credited to your statement

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

• Get 0.5% cash back annually on total purchases up to $3,000
• Get 1% cash back annually on total purchases above $3,000
• Cash back rewards never expire and there's no limit to how much you can earn

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

• Earn 1% cash back annually on total purchases up to $10,000
• 1.5% cash back annually on total purchases between $10,000.01 and $20,000
• 2% cash back annually on total purchases above $20,000
• Cash back rewards never expire and there's no limit to how much you can earn

Notes:

1. Interest rate not mentioned on website.
2. Interest rate not mentioned on website.

• Earn 2% rebates towards the purchase or lease of any new or used vehicle you can personally insure in Canada
• Up to $500,000 Travel Accident and Baggage Delay Insurance
• Citi Price Protection, Purchase Assurance, Extended Warranty Assurance

Notes:

1. Interest rate not mentioned on website.
2. Introductory rate for 6 months. Rate is 19.90% thereafter.

• Earn a full 1% cash back on all your spending
• Citi Price Protection, Purchase Assurance, Extended Warranty Assurance

Notes:

1. Introductory rate for 6 months. Rate is 19.90% thereafter.

• 2,000 bonus PETRO-POINTS on your first purchase
• Save 2¢ on every litre of fuel at Petro-Canada
• Earn PETRO-POINTS for every $1 spent on all purchases, at participating retailers
• Citi Price Protection, Purchase Assurance, Extended Warranty Assurance

Notes:

1. Interest rate not mentioned on website.
2. Introductory rate for 6 months. Rate is 19.90% thereafter.

• Choice of HSBC Cash Back Rewards or HSBC Travel & Merchandise Rewards Program
• Low Interest Rate Option available (not available in the province of Quebec)
• Insurance & Assistance Features: Purchase Assurance® and Extended Warranty Insurance, Car Rental Insurance, Trip Insurance and Assistance, Legal Assistance, Roadside Assistance

Notes:

1. Low Interest Rate Option for an annual fee of $85 per year.
2. Interest rate not mentioned on website.

• Choice of HSBC Cash Back Rewards or HSBC Travel & Merchandise Rewards Program
• Low Interest Rate Option available (not available in the province of Quebec)
• Extended Warranty Insurance - doubles manufacturer’s warranty up to one additional year

Notes:

1. No Annual Fee or Low Interest Rate Option for $25 per year.
2. Interest rate not mentioned on website.

• Get up to 2.5% back on purchases at Ultramar or HomEnergy
• Get up to 1.25% back on all purchases made elsewhere
• If the total Ultramar purchases charged to your card during the year amount to $2,500 or more, you will also receive an additional annual rebate of 0.5%
• MasterCard's Zero Liability
• Purchase insurance - Provides coverage in case of theft or damage for a period of 90 days following the date of purchase
• Extended warranty - Doubles the original warranty period, up to one additional year

Notes:

1. 14.50% Reduced Interest Rate Option for $15 per year.
2. 11.50% Reduced Interest Rate Option for $15 per year.
3. 11.50% Reduced Interest Rate Option for $15 per year.

• No Annual Fee
• Credit limit up to $100,000
• 1% back on all net retail purchases
• Rewards automatically credited to your account once a year

Notes:

1. +1% Fee
2. +1% Fee

• Get 5% cash back on net gas and grocery purchases for the first 6 months
• Get 3% cash back on net gas and grocery purchases thereafter
• Get 1% cash back for all other net retail purchases

• 2% cash back on all eligible gas, groceries, recurring payments and drug store purchases
• 1% cash back on all other eligible purchases