Reward Credit Cards

The following credit cards offer rewards for using them. Everything from travel rewards to cash back and points. You can apply for these credit cards online by following the Apply Now link. All of these cards are available in Canada.

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American Express AIR MILES Credit Card Apply Now

American Express AIR MILES Credit Card

Interest on:

Annual Fee

$0

Purchases

19.99%

Cash Advances

21.99%

Balance Transfers

1.99%1

New American Express® AIR MILES®* Credit Card* Cardmembers, earn a bonus of 500 AIR MILES®* reward miles when you charge a total of $500 in purchases to your Card within your first three months of Card membership.

  • Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors
  • Earn 1 reward mile for every $20 in purchases you charge to the Card everywhere else
  • Shop at participating AIR MILES®* Sponsors across Canada with your card and show your AIR MILES®* Credit Card and your AIR MILES®* Collector Card, and you can earn reward miles twice
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.

  • Conditions apply

    Notes:
    1. For the first 6 months*
    More information about the American Express AIR MILES Credit Card

    American Express Business Gold Rewards Apply Now

    American Express Business Gold Rewards

    Interest on:

    Annual Fee

    $01

    Purchases

    30.00%2

    Cash Advances

    0.00%

    Balance Transfers

    0.00%

    • Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership. That’s enough to redeem for a $300 TripFlex™ rewards statement credit to use towards eligible travel purchases charged to your Card.
    • Earn 1 Membership Rewards point for every dollar in eligible purchases charged to the Card
    • Earn 1 extra point for every dollar in eligible purchases made with merchants you pick from a select group of American Express merchants in Canada. You can earn up to a maximum of 250,000 extra points in each calendar year
    • Redeem points for statement credits on eligible business purchases charged to your Card at certain American Express merchants in Canada. These merchants provide goods and services in business categories such as equipment, technology, advertising and everyday business expenses
    • Enjoy the freedom of being able to transfer your points, at no charge, to many frequent flyer and other loyalty programs including 1:1 to Aeroplan®* and Avios.
    • Go online to access the paperless Expense Management Reports delivered quarterly and annually, for flexible tracking and simple tax preparation
    • Maximize your cash flow with up to 55 interest free days, so that money can come in before it goes out.
    • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants.
    • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
    • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.

    • Conditions apply

      Notes:
      1. Pay no annual fee for the first year – a $250 value1
      2. As a charge card, the balance must always be paid in full each month. Annual interest rate applies to balances not paid in full.
      More information about the American Express Business Gold Rewards

    Best Buy® Reward Zone Visa® Apply Now

    Best Buy® Reward Zone Visa®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    n/a1

    Balance Transfers

    n/a2

    • Earn 1 point for nearly every $1 spent at the millions of locations Visa is accepted
    • Earn 2 points for nearly every $1 spent at any Best Buy Canada store or on BestBuy.ca
    • Take advantage of exclusive offers, promotions, pre-sales and entertainment bonuses

    Notes:
    1. Interest rate not mentioned on website.
    2. Interest rate not mentioned on website.
    More information about the Best Buy® Reward Zone Visa®

    Best Western Mastercard® credit card Apply Now

    Best Western Mastercard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2

    Reward yourself with a free night's stay. You could get a FREE night with the Best Western Rewards® MasterCard® credit card

  • Earn 1 Best Western Rewards® point for every $1 in eligible purchases
  • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay
  • You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year◊◊
  • No limit to the Best Western Rewards® points that can be earned using the credit card in a year
  • Use your Best Western Rewards® points in many ways – hotel stays, dining, gift cards and more.
  • 1.99% promotional annual interest rate (AIR) on balance transfers for the first 10 full months

  • Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)
    More information about the Best Western Mastercard® credit card

    Blue Sky® Credit Card Apply Now

    Blue Sky® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    21.99%

    Balance Transfers

    n/a

    New Blue Sky® Credit Card Cardmembers, earn 10,000 Blue Sky® Points after you charge $500 in purchases to your Card in your first three months of Cardmembership.

  • Earn 1.25 Blue Sky Points for every $1 in purchases charged to the Card
  • You can start redeeming with as little as 10,000 points towards any travel purchase charged to your card.
  • Enjoy the convenience of no blackout dates, no advance purchase requirements, no seat restrictions and no travel restrictions.
  • $100,000 Travel Accident Insurance
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the apply now link.

  • Conditions Apply.
  • More information about the Blue Sky® Credit Card

    BMO® AIR MILES®† MasterCard®* Apply Now

    BMO® AIR MILES®† MasterCard®*

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    22.99%

    Balance Transfers

    22.99%

    Welcome Offer: Get 500 AIR MILES Bonus Miles*
    Plus get 3x the Miles for the first 6 Months!*

  • 1 AIR MILES reward mile for every $20 that you spend on your credit card.
  • Double dip at AIR MILES sponsored locations*
  • No annual fee
  • Receive a discount on car rentals
  • Extended Warranty
  • Purchase Protection

  • 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. Terms and conditions apply***

    More information about the BMO® AIR MILES®† MasterCard®*

    BMO® SPC®‡ AIR MILES®† MasterCard®* Apply Now

    BMO® SPC®‡ AIR MILES®† MasterCard®*

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    22.99%

    Balance Transfers

    22.99%

    Limited Time: Earn 500 Bonus AIR MILES Bonus Miles*
    Limited Time: Apply now and be entered into a contest for a chance to win free tuition and books for a year!*

  • 1 AIR MILES reward mile for every $20 that you spend on your credit card
  • No Annual fee
  • Extended Warranty
  • Purchase Protection
  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores

  • 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. Terms and conditions apply***

    More information about the BMO® SPC®‡ AIR MILES®† MasterCard®*

    Brock University MBNA Rewards MasterCard® credit card Apply Now

    Brock University MBNA Rewards MasterCard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2


    Establish your credit rating and earn great rewards with your school's MBNA Rewards Mastercard® credit card
    Give back, get back - it's simple. Each time you make an eligible purchase MBNA contributes a portion of funds to your school and/or it's alumni association to support alumni and/or student initiatives. With those same eligible purchases you'll earn points for great rewards.

    • Earn 1 MBNA Rewards point for every $1 in eligible purchases‡
    • 1,000 bonus points after your first eligible purchase††
    • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
    • No limit to the points you earn
    • No annual fee
    • Notes:
      1. 1% of amount advanced (minimum fee $7.50)
      2. 1% of amount advanced (minimum fee $7.50)

    Canadian Tire Gas Advantage MasterCard® Apply Now

    Canadian Tire Gas Advantage MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.50%1

    Cash Advances

    n/a2

    Balance Transfers

    n/a3

    • 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:
    1. If you are not approved for a card at this rate, Canadian Tire Bank may still issue you a card at an interest rate of 25.99%.
    2. Interest rate not mentioned on website.
    3. Interest rate not mentioned on website.
    More information about the Canadian Tire Gas Advantage MasterCard®

    Canadian Tire Options MasterCard® Apply Now

    Canadian Tire Options MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.50%1

    Cash Advances

    n/a2

    Balance Transfers

    n/a3

    • 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:
    1. If you are not approved for a card at this rate, Canadian Tire Bank may still issue you a card at an interest rate of 25.99%.
    2. Interest rate not mentioned on website.
    3. Interest rate not mentioned on website.
    More information about the Canadian Tire Options MasterCard®

    Carleton University MBNA Rewards MasterCard® credit card Apply Now

    Carleton University MBNA Rewards MasterCard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2


    Establish your credit rating and earn great rewards with your school's MBNA Rewards Mastercard® credit card
    Give back, get back - it's simple. Each time you make an eligible purchase MBNA contributes a portion of funds to your school and/or it's alumni association to support alumni and/or student initiatives. With those same eligible purchases you'll earn points for great rewards.

    • Earn 1 MBNA Rewards point for every $1 in eligible purchases‡
    • 1,000 bonus points after your first eligible purchase††
    • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
    • No limit to the points you earn
    • No annual fee
    • Notes:
      1. 1% of amount advanced (minimum fee $7.50)
      2. 1% of amount advanced (minimum fee $7.50)

    Dalhousie University MBNA Rewards MasterCard® credit card Apply Now

    Dalhousie University MBNA Rewards MasterCard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2


    Establish your credit rating and earn great rewards with your school's MBNA Rewards Mastercard® credit card
    Give back, get back - it's simple. Each time you make an eligible purchase MBNA contributes a portion of funds to your school and/or it's alumni association to support alumni and/or student initiatives. With those same eligible purchases you'll earn points for great rewards.

    • Earn 1 MBNA Rewards point for every $1 in eligible purchases‡
    • 1,000 bonus points after your first eligible purchase††
    • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
    • No limit to the points you earn
    • No annual fee
    • Notes:
      1. 1% of amount advanced (minimum fee $7.50)
      2. 1% of amount advanced (minimum fee $7.50)

    Desjardins VISA® - Elegance GOLD Apply Now

    Desjardins VISA® - Elegance GOLD

    Interest on:

    Annual Fee

    $0

    Purchases

    19.90%1

    Cash Advances

    19.90%

    Balance Transfers

    19.90%

    • 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:
    1. Low annual interest rate option of 12.8% for $30 per year.
    More information about the Desjardins VISA® - Elegance GOLD

    HSBC MasterCard® Apply Now

    HSBC MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.90%1

    Cash Advances

    19.90%

    Balance Transfers

    n/a2

    • Choice of HSBC Cash Back Rewards or HSBC Travel & Merchandise Rewards Program
    • Extended Warranty Insurance - doubles manufacturer’s warranty up to one additional year

    Notes:
    1. Low annual interest rate option of 12.9% for $25 per year (not applicable in Quebec).
    2. Interest rate not mentioned on website.
    More information about the HSBC MasterCard®

    MBNA Rewards MasterCard® credit card for York University Apply Now

    MBNA Rewards MasterCard® credit card for York University

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2


    Establish your credit rating and earn great rewards with your school's MBNA Rewards Mastercard® credit card
    Give back, get back - it's simple. Each time you make an eligible purchase MBNA contributes a portion of funds to your school and/or it's alumni association to support alumni and/or student initiatives. With those same eligible purchases you'll earn points for great rewards.

    • Earn 1 MBNA Rewards point for every $1 in eligible purchases‡
    • 1,000 bonus points after your first eligible purchase††
    • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
    • No limit to the points you earn
    • No annual fee
    • Notes:
      1. 1% of amount advanced (minimum fee $7.50)
      2. 1% of amount advanced (minimum fee $7.50)

    McGill University MBNA Rewards MasterCard® credit card Apply Now

    McGill University MBNA Rewards MasterCard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2


    Establish your credit rating and earn great rewards with your school's MBNA Rewards Mastercard® credit card
    Give back, get back - it's simple. Each time you make an eligible purchase MBNA contributes a portion of funds to your school and/or it's alumni association to support alumni and/or student initiatives. With those same eligible purchases you'll earn points for great rewards.

    • Earn 1 MBNA Rewards point for every $1 in eligible purchases‡
    • 1,000 bonus points after your first eligible purchase††
    • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
    • No limit to the points you earn
    • No annual fee
    • Notes:
      1. 1% of amount advanced (minimum fee $7.50)
      2. 1% of amount advanced (minimum fee $7.50)

    Memorial University MBNA Rewards MasterCard® credit card Apply Now

    Memorial University MBNA Rewards MasterCard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2


    Establish your credit rating and earn great rewards with your school's MBNA Rewards Mastercard® credit card
    Give back, get back - it's simple. Each time you make an eligible purchase MBNA contributes a portion of funds to your school and/or it's alumni association to support alumni and/or student initiatives. With those same eligible purchases you'll earn points for great rewards.

    • Earn 1 MBNA Rewards point for every $1 in eligible purchases‡
    • 1,000 bonus points after your first eligible purchase††
    • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
    • No limit to the points you earn
    • No annual fee
    • Notes:
      1. 1% of amount advanced (minimum fee $7.50)
      2. 1% of amount advanced (minimum fee $7.50)

    Montreal Canadians® MBNA Rewards Mastercard® Credit Card Apply Now

    Montreal Canadians® MBNA Rewards Mastercard® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2

    Redeem points for tickets, memorabilia, exclusive team experiences and other Montreal Canadians items with this card

      You earn points and show support for your favourite team

  • 1.99% promotional annual interest rate (AIR) on balance transfers for the first 10 full months
  • Earn 1 MBNA Rewards point for every $1 in eligible purchases
  • 1,000 bonus points after your first eligible purchase††
  • Choose the rewards you want, whether it's travel, cash back, brand name merchandise and gift cards or charitable donations
  • You can also redeem points for exclusive Habs experiences, memorabilia and merchandise
  • No annual fee

  • Show your support, apply today!

    Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)

    Ottawa Senators® MBNA Rewards Mastercard® Credit Card Apply Now

    Ottawa Senators® MBNA Rewards Mastercard® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2

    Redeem points for tickets, memorabilia, exclusive team experiences and other Ottawa Senators items with this card

      You earn points and show support for your favourite team

  • 1.99% promotional annual interest rate (AIR) on balance transfers for the first 10 full months
  • Earn 1 MBNA Rewards point for every $1 in eligible purchases
  • 1,000 bonus points after your first eligible purchase††
  • Choose the rewards you want, whether it's travel, cash back, brand name merchandise and gift cards or charitable donations
  • You can also redeem points for exclusive Sens experiences, memorabilia and merchandise
  • No annual fee

  • Show your support, apply today!

    Notes:
    1. 1% of amount advanced (minimum fee $7.50)
    2. 1% of amount advanced (minimum fee $7.50)

    President’s Choice Financial® MasterCard Apply Now

    President’s Choice Financial® MasterCard

    Interest on:

    Annual Fee

    $0

    Purchases

    19.97%

    Cash Advances

    19.97%

    Balance Transfers

    5.97%1

    • Earn 10 PC points for every dollar of every purchase made with your card
    • After approval, receive 4 coupons for 5,000 PC points each, which translates to $20 in free groceries
    • Get an extra 5,000 PC points when you apply online
    • Low balance transfer rate for eligible new customers

    Notes:
    1. for 4 months, 19.97% thereafter.
    More information about the President’s Choice Financial® MasterCard

    Queen's University MBNA Rewards MasterCard® credit card Apply Now

    Queen's University MBNA Rewards MasterCard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2


    Establish your credit rating and earn great rewards with your school's MBNA Rewards Mastercard® credit card
    Give back, get back - it's simple. Each time you make an eligible purchase MBNA contributes a portion of funds to your school and/or it's alumni association to support alumni and/or student initiatives. With those same eligible purchases you'll earn points for great rewards.

    • Earn 1 MBNA Rewards point for every $1 in eligible purchases‡
    • 1,000 bonus points after your first eligible purchase††
    • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
    • No limit to the points you earn
    • No annual fee
    • Notes:
      1. 1% of amount advanced (minimum fee $7.50)
      2. 1% of amount advanced (minimum fee $7.50)

    RBC® Esso VISA® Classic Card Apply Now

    RBC® Esso VISA® Classic Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.50%

    Cash Advances

    19.50%

    Balance Transfers

    n/a1

    • Receive 200 bonus Esso Extra points with your first purchase
    • Automatic Esso Extra Membership
    • Earn 2 or more Esso Extra points for every eligible $1 CAD you spend at participating Esso-branded retail stations
    • Earn 1 Esso Extra point for every dollar spent everywhere else
    • Esso purchases tracked separately on your RBC Royal Bank Visa monthly statement

    Notes:
    1. Interest rate not mentioned on website.
    More information about the RBC® Esso VISA® Classic Card

    RBC® Rewards+ VISA® Apply Now

    RBC® Rewards+ VISA®

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    22.99%

    Balance Transfers

    n/a1

    • Earn 1 RBC Rewards point for every $1 spent on gas, grocery and drug store purchases
    • Earn 1 RBC Rewards point for every $2 spent on all other purchases
    • No annual fee

    Notes:
    1. Interest rate not mentioned on website.
    More information about the RBC® Rewards+ VISA®

    Ryerson University MBNA Rewards MasterCard® credit card Apply Now

    Ryerson University MBNA Rewards MasterCard® credit card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    24.99%1

    Balance Transfers

    21.99%2


    Establish your credit rating and earn great rewards with your school's MBNA Rewards Mastercard® credit card
    Give back, get back - it's simple. Each time you make an eligible purchase MBNA contributes a portion of funds to your school and/or it's alumni association to support alumni and/or student initiatives. With those same eligible purchases you'll earn points for great rewards.

    • Earn 1 MBNA Rewards point for every $1 in eligible purchases‡
    • 1,000 bonus points after your first eligible purchase††
    • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
    • No limit to the points you earn
    • No annual fee
    • Notes:
      1. 1% of amount advanced (minimum fee $7.50)
      2. 1% of amount advanced (minimum fee $7.50)

    Scotiabank SCENE VISA® Card Apply Now

    Scotiabank SCENE VISA® Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.99%

    Cash Advances

    22.99%

    Balance Transfers

    22.99%


    Free movies and more.

    5,000 bonus SCENE points with $500 in everyday purchases within the first three months. That's 5 FREE movies. For accounts opened by July 1, 2017.

    • Earn one SCENE point for every dollar you spend
    • Earn five SCENE points for every dollar you spend at participating Cineplex Entertainment theatre or online at cineplex.com.
    • Redeem points for free movies at Cineplex Entertainment theatres, music and other entertainment rewards
    • No annual fee
    • 20% AVIS rental card discount

    Rates, fees and other information are effective as of July 1, 2017. Subject to change.

    More information about the Scotiabank SCENE VISA® Card
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