Compare Reward Credit Cards available in Canada

BMO AIR MILES MasterCard

	Interest on:
Annual Fee $0	Purchases 19.50%¹	Cash Advances n/a²	Balance Transfers n/a³

1 AIR MILES reward mile for every $20 in card purchases
1.5x reward miles at Shell, National Car Rental & Alamo Rent A Car
Exclusive 25% discount on all AIR MILES flights worldwide
Get an affinity card that supports your cause

Notes:

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

More information about the BMO AIR MILES MasterCard

BMO AIR MILES MasterCard for Business

	Interest on:
Annual Fee $0¹	Purchases 19.50%²	Cash Advances 19.50%³	Balance Transfers n/a⁴

3 AIR MILES reward levels to choose from
Gold - earn 1 reward mile for every $15 spent ($105 annual fee for owner card)
Silver - earn 1 reward mile for every $20 spent ($60 annual fee for owner card)
Bronze - earn 1 reward mile for every $40 spent (No annual fee for owner card)
Available in Canadian or U.S. Dollar currency

Notes:

per year for Bronze, $60 per year for Silver, $105 per year for Gold.
Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
Or 12.9% on purchases & 8.9% on cash advances for $35 per year.
Interest rate not mentioned on website.

More information about the BMO AIR MILES MasterCard for Business

BMO Gold AIR MILES MasterCard

	Interest on:
Annual Fee $99	Purchases 19.50%¹	Cash Advances n/a²	Balance Transfers n/a³

1 AIR MILES reward mile for every $15 in card purchases
Double reward miles at Shell, National Car Rental & Alamo Rent A Car
Exclusive 25% discount on all AIR MILES flights worldwide
Up to 600 bonus reward miles in the first 3 months
BMO Travel Protection including Collision Damage Waiver coverage for car rentals
Get an affinity card that supports your cause

Notes:

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

More information about the BMO Gold AIR MILES MasterCard

BMO SPC Mosaik MasterCard®

	Interest on:
Annual Fee $0	Purchases 19.50%¹	Cash Advances 19.50%	Balance Transfers 19.50%

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:

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

More information about the BMO SPC Mosaik MasterCard®

Canadian Tire Gas Advantage MasterCard®

	Interest on:
Annual Fee $0	Purchases 19.50%¹	Cash Advances 19.50%²	Balance Transfers 19.50%³

Save up to 10¢ per litre at Canadian Tire Gas Bars
Use the Gas Advantage MasterCard for your everyday purchases and you'll save instantly right at the pump
Enjoy Cardmember Exclusive savings at Canadian Tire

Notes:

19.50% or 25.99%
19.50% or 25.99%
19.50% or 25.99%

More information about the Canadian Tire Gas Advantage MasterCard®

Canadian Tire Options MasterCard®

	Interest on:
Annual Fee $0	Purchases 19.50%¹	Cash Advances 19.50%²	Balance Transfers 19.50%³

Earn Canadian Tire 'Money' rewards everywhere you shop
Redeem your Canadian Tire ‘Money’ On The Card® awards at any Canadian Tire store
Enjoy Cardmember exclusive offers

Notes:

19.50% or 25.99%
19.50% or 25.99%
19.50% or 25.99%

More information about the Canadian Tire Options MasterCard®

CIBC Aero Classic VISA® Card

	Interest on:
Annual Fee $29	Purchases 19.50%	Cash Advances n/a¹	Balance Transfers n/a²

Receive 2,500 Bonus Aeroplan® Miles when you use your card for the first time
Receive 1 Aeroplan Mile for every 2 dollars you spend on the card
Earn up to double Aeroplan Miles when you use your CIBC Aero Classic Visa Card to dine, golf, or stay at any participating CIBC Bonus Rewards™ establishment

Notes:

Interest rate not mentioned on website.
Interest rate not mentioned on website.

More information about the CIBC Aero Classic VISA® Card

CIBC Aerogold® VISA® Card

	Interest on:
Annual Fee $120	Purchases 19.50%	Cash Advances n/a¹	Balance Transfers n/a²

Receive 15,000 Bonus Aeroplan® Miles when you use your card for the first time
Earn 1 Aeroplan Mile for every dollar you spend on the card
Earn 1.5 Aeroplan Miles for every dollar you spend at gas stations, grocery and drug stores
Earn additional Aeroplan Miles when you use the card at participating Aeroplan partners
Access to every available seat on Air Canada and Air Canada Jazz, including Executive Class/Executive First

Notes:

Interest rate not mentioned on website.
Interest rate not mentioned on website.

More information about the CIBC Aerogold® VISA® Card

CIBC Aerogold® VISA® Card for Business

	Interest on:
Annual Fee $180	Purchases 16.90%¹	Cash Advances 16.90%²	Balance Transfers 16.90%³

Welcome Bonus of 15,000 Aeroplan® Miles when you use your card for the first time
Earn 1 Aeroplan Mile for every dollar charged to the card
Earn 1.5 Aeroplan Miles for every dollar you spend at travel establishments
Access to every available seat on the plane, including Executive Class®
Credit limit up to $50,000

Notes:

Set at one of 10.9%, 13.9% or 16.9%, depending on your personal credit bureau information.
Set at one of 10.9%, 13.9% or 16.9%, depending on your personal credit bureau information.
Set at one of 10.9%, 13.9% or 16.9%, depending on your personal credit bureau information.

More information about the CIBC Aerogold® VISA® Card for Business

CIBC Aerogold® VISA® INFINITE Card

	Interest on:
Annual Fee $120	Purchases 19.50%	Cash Advances n/a¹	Balance Transfers n/a²

Receive a Welcome Bonus of 15,000 Aeroplan® Miles when you use your new CIBC Aerogold® VISA INFINITE Card for the first time
Earn 1.5 Aeroplan Miles for every dollar you spend at gas stations, grocery and drug stores
Earn 1 Aeroplan Mile for every dollar charged to the card at other locations
All-inclusive travel insurance
Access to every available seat on Air Canada, including Executive Class®

Notes:

Interest rate not mentioned on website.
Interest rate not mentioned on website.

More information about the CIBC Aerogold® VISA® INFINITE Card

CIBC Aventura Gold VISA® Card

	Interest on:
Annual Fee $120	Purchases 19.50%	Cash Advances n/a¹	Balance Transfers n/a²

Earn 5,000 Bonus Aventura Points when you first use your card
Earn 1 Aventura Point for every $1 spent on your CIBC Aventura Gold VISA Card
Earn Bonus Aventura Points at participating CIBC ADVANTEX® BENEFIT restaurants, resorts and golf courses throughout Canada
Convert your Aventura Points to Aeroplan® Miles for flights and other travel rewards on Air Canada and its Star Alliance® partners

Notes:

Interest rate not mentioned on website.
Interest rate not mentioned on website.

More information about the CIBC Aventura Gold VISA® Card

CIBC Aventura VISA® INFINITE Card

	Interest on:
Annual Fee $120	Purchases 19.50%	Cash Advances n/a¹	Balance Transfers n/a²

Receive 15,000 Bonus Aventura Points when you use your card for the first time
Earn 1 Aventura Point for every $1 spent on your CIBC Aventura VISA INFINITE Card
Earn 1.5 Aventura Points for every dollar you spend at gas stations, grocery and drug stores
CIBC VISA INFINITE Cardholders can earn up to triple Aventura Points at over 40 of Canada's high-end restaurants
Receive a complimentary room upgrade (based on availability) and other benefits at over 100 inns and selected hotels
Enjoy the CIBC VISA INFINITE Travel Concierge Service, a full-service travel planning and booking agency

Notes:

Interest rate not mentioned on website.
Interest rate not mentioned on website.

More information about the CIBC Aventura VISA® INFINITE Card

CIBC Gold VISA® Card

	Interest on:
Annual Fee $99¹	Purchases 19.50%	Cash Advances n/a²	Balance Transfers n/a³

Earn one Gold Bonus Point for every dollar spent on your CIBC Gold VISA Card
Get Purchase Security and Extended Protection Insurance when your purchases are charged to your card. Increase the manufacturer's original Canadian or U.S. warranty on most items purchased with the card, up to one additional year
Redeem your points for merchandise and travel from our World of Gold Rewards

Notes:

$69 for seniors age 65 or over.
Interest rate not mentioned on website.
Interest rate not mentioned on website.

More information about the CIBC Gold VISA® Card

Citi™ Diners Club® Card

	Interest on:
Annual Fee $99	Purchases 18.95%	Cash Advances n/a¹	Balance Transfers n/a²

Access over 430 worldwide VIP airport lounges
Get a British Airways Companion Ticket
Earn 5,000 bonus Club Rewards® Points
Get Fairmont President's Club Accelerated Premier Status

Notes:

Interest rate not mentioned on website.
Interest rate not mentioned on website.

More information about the Citi™ Diners Club® Card

Citi™ Petro-Canada™ Personal Credit Card

	Interest on:
Annual Fee $0	Purchases 28.80%	Cash Advances n/a¹	Balance Transfers n/a²

Get 1,000 bonus PETRO-POINTS on each of your first 10 purchases
Earn PETRO-POINTS for every dollar spent
Defer Certigard Car Repair payments for up to 90 days
Receive detailed monthly billing statements of all your driving expenses

Notes:

Interest rate not mentioned on website.
Interest rate not mentioned on website.

More information about the Citi™ Petro-Canada™ Personal Credit Card

Citi™ PETRO-POINTS™ MasterCard®

	Interest on:
Annual Fee $0	Purchases 19.90%	Cash Advances n/a¹	Balance Transfers 4.90%²

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:

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

More information about the Citi™ PETRO-POINTS™ MasterCard®

Citi™ STAPLES® easyRewards™ Business MasterCard®

	Interest on:
Annual Fee $39¹	Purchases 19.99%	Cash Advances n/a²	Balance Transfers n/a³

Earn 1% STAPLES easyRewards on every purchase - worldwide
Earn DOUBLE (2%) STAPLES easyRewards on key business expenses like phone, utilities, Internet, as well as all Petro‒Canada™ convenience, car wash and fuel purchases
Earn TRIPLE (3%) STAPLES easyRewards on every purchase at STAPLES and Bureau en Gros™ stores in Canada every day and up to 10X (10%) on promotional items as advertised
Helps with cash flow with an extra 60 days on average to pay interest–free on purchases of $500 or more
Manage and track your and your employees' expenses

Notes:

$9 per year for additional cards, waived for the first year.
Interest rate not mentioned on website.
Interest rate not mentioned on website.

More information about the Citi™ STAPLES® easyRewards™ Business MasterCard®

Citi™ STAPLES® easyRewards™ MasterCard®

	Interest on:
Annual Fee $0	Purchases 19.90%	Cash Advances n/a¹	Balance Transfers 4.90%²

Earn up to 2% back in free STAPLES merchandise everywhere you shop
1 easyReward = $1 in free STAPLES merchandise
Citi Price Protection, Purchase Assurance, Extended Warranty Assurance

Notes:

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

More information about the Citi™ STAPLES® easyRewards™ MasterCard®

Club Sobeys MasterCard®

	Interest on:
Annual Fee $0	Purchases 19.99%	Cash Advances n/a¹	Balance Transfers 2.90%²

Earn 1 Club Sobeys point for every whole $1 you spend on the card
Earn 2 points for every whole $1 you spend when you pay using your Club Sobeys MasterCard and present your Club Sobeys card at participating Sobeys stores
Enjoy a $10 thank you when you make your first Club Sobeys MasterCard purchase
Citi Price Protection
The PayPass™ feature allows you to just Tap & Go™ for all in-store purchases under $50.00

Notes:

Interest rate not mentioned on website.
Introductory rate for 6 months. Rate is 19.99% thereafter.

More information about the Club Sobeys MasterCard®

Desjardins VISA® - Elegance GOLD

	Interest on:
Annual Fee $0	Purchases 19.90%¹	Cash Advances n/a²	Balance Transfers n/a³

Earn up to 1% of your purchases in BONUSDOLLARS
Rewards program allows you to accumulate BONUSDOLLARS and exchange them against travel, gifts, tickets to shows and Desjardins products and services
Insurance in case of loss, theft, damage or fire for most goods purchased with your card
Accord D Desjardins financing, a second, separate credit limit
Cash advances up to $5,000 a day, anywhere in the world

Notes:

Low annual interest rate option of 12.8% for $30 per year.
Interest rate not mentioned on website.
Interest rate not mentioned on website.

More information about the Desjardins VISA® - Elegance GOLD

Desjardins VISA® - Modulo GOLD

	Interest on:
Annual Fee $50	Purchases 9.90%	Cash Advances n/a¹	Balance Transfers n/a²

The country’s lowest annual fixed interest rate: 9.9%
Earn up to 1% of your purchases in BONUSDOLLARS
Rewards program allows you to accumulate BONUSDOLLARS and exchange them against travel, gifts, tickets to shows and Desjardins products and services
Payment holiday feature where you can skip the minimum payment twice a year
Accord D Desjardins financing, a second, separate credit limit
Cash advances up to $5,000 a day, anywhere in the world

Notes:

Interest rate not mentioned on website.
Interest rate not mentioned on website.

More information about the Desjardins VISA® - Modulo GOLD

Desjardins VISA® - Odyssey GOLD

	Interest on:
Annual Fee $110¹	Purchases 19.40%²	Cash Advances n/a³	Balance Transfers n/a⁴

Earn up to 2% of your purchases in BONUSDOLLARS
Rewards program allows you to accumulate BONUSDOLLARS and exchange them against travel, gifts, tickets to shows and Desjardins products and services
All-inclusive travel insurance
Accord D Desjardins financing, a second, separate credit limit
Cash advances up to $5,000 a day, anywhere in the world

Notes:

$90 for cardholders age 76 and over.
Upon request $25/yr - 11.4%
Interest rate not mentioned on website.
Interest rate not mentioned on website.

More information about the Desjardins VISA® - Odyssey GOLD

HSBC Gold MasterCard®

	Interest on:
Annual Fee $60¹	Purchases 19.90%	Cash Advances 19.90%	Balance Transfers n/a²

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:

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

More information about the HSBC Gold MasterCard®

HSBC MasterCard®

	Interest on:
Annual Fee $0¹	Purchases 19.90%	Cash Advances 19.90%	Balance Transfers n/a²

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:

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

More information about the HSBC MasterCard®

Laurentian Bank Student VISA® Black Card

	Interest on:
Annual Fee $0	Purchases 19.92%¹	Cash Advances n/a²	Balance Transfers n/a³

Reward Me Rewards Program: $1 purchase = 1 point
Protect your possessions with purchase insurance and extended guarantees, and double the manufacturer's guarantee for up to one year
Safely shop online thanks to Verified by VISA
When you spend over $200 net on purchases during your billing cycle, Laurentian Bank will offer to reimburse your monthly fees

Notes:

Calculated from fee of $1.66 per month.
Interest rate not mentioned on website.
Interest rate not mentioned on website.

More information about the Laurentian Bank Student VISA® Black Card

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Reward Credit Cards

BMO AIR MILES MasterCard

Annual Fee

$0

Purchases

19.50%1

Cash Advances

n/a2

Balance Transfers

n/a3

Notes:

BMO AIR MILES MasterCard for Business

Annual Fee

$01

Purchases

19.50%2

Cash Advances

19.50%3

Balance Transfers

n/a4

Notes:

BMO Gold AIR MILES MasterCard

Annual Fee

$99

Purchases

19.50%1

Cash Advances

n/a2

Balance Transfers

n/a3

Notes:

BMO SPC Mosaik MasterCard®

Annual Fee

$0

Purchases

19.50%1

Cash Advances

19.50%

Balance Transfers

19.50%

Notes:

Canadian Tire Gas Advantage MasterCard®

Annual Fee

$0

Purchases

19.50%1

Cash Advances

19.50%2

Balance Transfers

19.50%3

Notes:

Canadian Tire Options MasterCard®

Annual Fee

$0

Purchases

19.50%1

Cash Advances

19.50%2

Balance Transfers

19.50%3

Notes:

CIBC Aero Classic VISA® Card

Annual Fee

$29

Purchases

19.50%

Cash Advances

n/a1

Balance Transfers

n/a2

Notes:

CIBC Aerogold® VISA® Card

Annual Fee

$120

Purchases

19.50%

Cash Advances

n/a1

19.50%¹

n/a²

n/a³

$0¹

19.50%²

19.50%³

n/a⁴

19.50%¹

n/a²

n/a³

19.50%¹

19.50%¹

19.50%²

19.50%³

19.50%¹

19.50%²

19.50%³

n/a¹

n/a²

n/a¹

n/a²

16.90%¹

16.90%²

16.90%³

n/a¹

n/a²

n/a¹

n/a²

n/a¹

n/a²

$99¹

n/a²

n/a³

n/a¹

n/a²

n/a¹