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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Desjardins VISA® - Modulo GOLD Apply Now

Desjardins VISA® - Modulo GOLD

Interest on:

Annual Fee

$50

Purchases

9.90%

Cash Advances

9.90%

Balance Transfers

9.90%

  • 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

More information about the Desjardins VISA® - Modulo GOLD

The Alterna® MBNA Rewards MasterCard® Credit Card Apply Now

The Alterna® MBNA Rewards MasterCard® Credit Card

Interest on:

Annual Fee

$0

Purchases

14.99%

Cash Advances

24.99%1

Balance Transfers

16.99%2

Travel? Cash? Gifts? Your reward is choice

  • 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††
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee

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

    The Canadian Western Bank MBNA Rewards MasterCard® Credit Card Apply Now

    The Canadian Western Bank MBNA Rewards MasterCard® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    14.99%

    Cash Advances

    24.99%1

    Balance Transfers

    16.99%2

    Travel? Cash? Gifts? Your reward is choice

  • 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††
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee

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

    The Edward Jones MBNA Rewards MasterCard® Credit Card Apply Now

    The Edward Jones MBNA Rewards MasterCard® Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    14.99%

    Cash Advances

    24.99%1

    Balance Transfers

    16.99%2

    Travel? Cash? Gifts? Your reward is choice

  • 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††
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee

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

    National Bank of Canada MasterCard® PREMIA Business Credit Card Apply Now

    National Bank of Canada MasterCard® PREMIA Business Credit Card

    Interest on:

    Annual Fee

    $45

    Purchases

    18.90%1

    Cash Advances

    18.90%2

    Balance Transfers

    18.90%3

    • Save with PREMIA partners - Enjoy savings and special offers at select partners
    • Protect your company with PREMIA's comprehensive insurance and assistance program and
    • Protection against fraudulent use by employees
    • Purchase protection - 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 for up to one additional year
    • Optional Rewards plan to reward your employees or yourself

    Notes:
    1. Low annual interest rate option of 13.9% for $60 per year.
    2. Low annual interest rate option of 8.9% for $60 per year.
    3. Low annual interest rate option of 8.9% for $60 per year.

    Walmart MasterCard® Apply Now

    Walmart MasterCard®

    Interest on:

    Annual Fee

    $0

    Purchases

    18.99%1

    Cash Advances

    18.99%2

    Balance Transfers

    18.99%3

    • Get $15 in bonus Walmart Rewards when you make your first two qualifying purchases
    • Earn 1% of your purchases in Walmart Rewards, virtually anywhere you shop
    • Plus earn 25% more when you shop at Walmart stores in Canada
    • 5 Walmart Rewards = $5 in redemption value at Walmart stores in Canada

    Notes:
    1. Rate may increase to 23.99% depending on Account Payment Record.
    2. Rate may increase to 23.99% depending on Account Payment Record.
    3. Rate may increase to 23.99% depending on Account Payment Record.
    More information about the Walmart MasterCard®

    Desjardins VISA® - Odyssey GOLD Apply Now

    Desjardins VISA® - Odyssey GOLD

    Interest on:

    Annual Fee

    $1101

    Purchases

    19.40%2

    Cash Advances

    19.40%

    Balance Transfers

    19.40%

    • 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:
    1. $90 for cardholders age 76 and over.
    2. Low 11.8% interest rate available for an additional $30 per year.
    More information about the Desjardins VISA® - Odyssey GOLD

    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®

    National Bank of Canada MasterCard® Allure Credit Card Apply Now

    National Bank of Canada MasterCard® Allure Credit Card

    Interest on:

    Annual Fee

    $30

    Purchases

    19.50%1

    Cash Advances

    19.50%2

    Balance Transfers

    19.50%3

    • Receive 1 point for every dollar spent on your card and redeem for a multitude of brand-name merchandise, gift certificates, activities, travel discounts and much more
    • Attractive Allure rebates: go online to buy gift cards redeemable at Allure partners and get 10% off when you pay with your Allure card
    • Support the Quebec Breast Cancer Foundation with each purchase
    • Enjoy exclusive savings at Allure partner locations
    • Purchase insurance - Provides coverage in case of theft or damage for a period of 90 days following the date of purchase
    • Extended warranty on purchases - Doubles the original warranty period, up to one additional year

    Notes:
    1. Low annual interest rate option of 14.5% for $45 per year.
    2. Low annual interest rate option of 11.5% for $45 per year.
    3. Low annual interest rate option of 11.5% for $45 per year.

    National Bank of Canada MasterCard® Escapade Credit Card Apply Now

    National Bank of Canada MasterCard® Escapade Credit Card

    Interest on:

    Annual Fee

    $20

    Purchases

    19.50%1

    Cash Advances

    19.50%2

    Balance Transfers

    19.50%3

    • Receive 1 point for every dollar spent on your card
    • Purchase insurance - For a period of 90 days following the purchase date
    • Extended warranty on purchases - Doubles the manufacturer's guarantee up to one additional year

    Notes:
    1. Low annual interest rate option of 14.5% for $35 per year.
    2. Low annual interest rate option of 11.5% for $35 per year.
    3. Low annual interest rate option of 11.5% for $35 per year.

    National Bank of Canada MasterCard® OVATION Gold Apply Now

    National Bank of Canada MasterCard® OVATION Gold

    Interest on:

    Annual Fee

    $90

    Purchases

    19.50%1

    Cash Advances

    19.50%2

    Balance Transfers

    19.50%3

    • For each dollar spent, you earn 1.25 points
    • Travel worry free with an extensive insurance and assistance program
    • An automatic 50% discount on all banking packages as well as the ClickStudent banking program, up to $5 per month
    • No monthly fees on the Perspective banking program (client over 60 years old)
    • Purchase insurance - Provides coverage in case of theft or damage for a period of 180 days following the date of purchase
    • Extended warranty - Triples the original warranty period, up to a maximum of two additional years

    Notes:
    1. Low annual interest rate option of 14.5% for $105 per year.
    2. Low annual interest rate option of 11.5% for $105 per year.
    3. Low annual interest rate option of 11.5% for $105 per year.

    National Bank of Canada MasterCard® Platinum Credit Card Apply Now

    National Bank of Canada MasterCard® Platinum Credit Card

    Interest on:

    Annual Fee

    $125

    Purchases

    19.50%

    Cash Advances

    19.50%

    Balance Transfers

    19.50%

    • For each dollar spent, you earn 1.5 points
    • Enjoy a comprehensive insurance and assistance program
    • Purchase insurance - Provides coverage in case of theft or damage for a period of 180 days following the date of purchase
    • Extended warranty - Triples the original warranty period, up to a maximum of two additional years

    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® US Dollar VISA® Gold Apply Now

    RBC® US Dollar VISA® Gold

    Interest on:

    Annual Fee

    $651

    Purchases

    19.50%

    Cash Advances

    19.50%

    Balance Transfers

    n/a2

    • Earn 1 RBC Rewards point for every U.S. dollar in purchases you make with your card. Keep collecting points and redeem for travel rewards, merchandise items, gift certificates, and RBC Registered Rewards
    • Earn additional RBC Rewards points with the Rewards Network Restaurant Program
    • RBC Rewards start as low as 2,500 points
    • Exchange RBC Rewards points for Esso Extra points

    Notes:
    1. USD
    2. Interest rate not mentioned on website.
    More information about the RBC® US Dollar VISA® Gold

    RBC® VISA® Business Platinum Avion® Apply Now

    RBC® VISA® Business Platinum Avion®

    Interest on:

    Annual Fee

    $120

    Purchases

    19.50%

    Cash Advances

    19.50%

    Balance Transfers

    n/a1

    • Earn 1 RBC Rewards point for every dollar you spend on the card
    • Earn additional RBC Rewards points with the Rewards Network Restaurant Program
    • Redeem points on any airline with no blackout periods or rewards seat capacity restrictions. Air travel rewards start as low as 15,000 points
    • Option to transfer RBC Rewards points for Esso Extra points or Asia Miles or BA Miles
    • Offers the convenience of Visa, Purchase Security and Extended Warranty Insurance, and travel assistance services

    Notes:
    1. Interest rate not mentioned on website.
    More information about the RBC® VISA® Business Platinum Avion®

    RBC® VISA® Classic II Apply Now

    RBC® VISA® Classic II

    Interest on:

    Annual Fee

    $35

    Purchases

    19.50%

    Cash Advances

    19.50%

    Balance Transfers

    n/a1

    • Earn one RBC Rewards point for every dollar in purchases you make with your card. Keep collecting points and redeem for travel rewards, merchandise items, gift certificates, and RBC Registered Rewards
    • Earn additional RBC Rewards points with the Rewards Network Restaurant Program
    • RBC Rewards start as low as 2,500 points
    • Exchange RBC Rewards points for Esso Extra points

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

    RBC® VISA® Classic II Student Apply Now

    RBC® VISA® Classic II Student

    Interest on:

    Annual Fee

    $15

    Purchases

    19.50%

    Cash Advances

    19.50%

    Balance Transfers

    n/a1

    • Earn one RBC Rewards point for every dollar in purchases you make with your card. Keep collecting points and redeem for travel rewards, merchandise items, gift certificates, and RBC Registered Rewards
    • Earn additional RBC Rewards points with the Rewards Network Restaurant Program
    • RBC Rewards start as low as 2,500 points
    • Exchange RBC Rewards points for Esso Extra points

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

    RBC® VISA® Gold Preferred® Apply Now

    RBC® VISA® Gold Preferred®

    Interest on:

    Annual Fee

    $110

    Purchases

    19.50%

    Cash Advances

    19.50%

    Balance Transfers

    n/a1

    • 2,500 bonus RBC Rewards points upon enrolment
    • Earn 1 RBC Rewards point per $1 spent on purchases
    • Earn additional RBC Rewards points with the Rewards Network Restaurant Program
    • RBC Rewards start as low as 2,500 points
    • Exchange RBC Rewards points for Esso Extra points

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

    RBC® VISA® Platinum Avion® Apply Now

    RBC® VISA® Platinum Avion®

    Interest on:

    Annual Fee

    $120

    Purchases

    19.50%

    Cash Advances

    19.50%

    Balance Transfers

    n/a1

    • Earn 1 RBC Rewards point for every dollar you spend on the card
    • Earn additional RBC Reward points with the Rewards Network Restaurant Program
    • Flexible points redemption options such as: air travel on any airline, anytime - no blackout periods or seat restrictions
    • Air travel rewards start as low as 15,000 points
    • Exchange RBC Rewards points for Esso Extra points or Asia Miles or BA Miles

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

    TD Business Travel VISA® Card Apply Now

    TD Business Travel VISA® Card

    Interest on:

    Annual Fee

    $149

    Purchases

    19.75%

    Cash Advances

    21.50%

    Balance Transfers

    21.50%

    • Receive 30,000 Bonus TD Points upon approval
    • Earn 3 TD Points on every $1 you spend on purchases
    • Earn triple rewards when you book travel on your Card through the exclusive travel agency, the TD Travel Rewards Centre
    • More information about the TD Business Travel VISA® Card

    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 Gold MasterCard® Apply Now

    HSBC Gold MasterCard®

    Interest on:

    Annual Fee

    $60

    Purchases

    19.90%1

    Cash Advances

    19.90%

    Balance Transfers

    n/a2

    • Choice of HSBC Cash Back Rewards or HSBC Travel & Merchandise Rewards Program
    • Insurance & Assistance Features: Purchase Assurance® and Extended Warranty Insurance, Car Rental Insurance, Trip Insurance and Assistance, Legal Assistance, Roadside Assistance

    Notes:
    1. Low annual interest rate option of 12.9% for $85 per year (not applicable in Quebec).
    2. Interest rate not mentioned on website.
    More information about the HSBC Gold MasterCard®

    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®

    Tangerine Money-Back Credit Card Apply Now

    Tangerine Money-Back Credit Card

    Interest on:

    Annual Fee

    $0

    Purchases

    19.95%

    Cash Advances

    19.95%

    Balance Transfers

    3.00%1

    Earn 2% Money-Back Rewards on purchases in up to three 2% Money-Back Categories of your choice, and 0.5% Money-Back Rewards on all other purchases.

    • No annual fee
    • No limit on the amount of Money-Back Rewards you can earn
    • 2.5% Foreign Conversion Fee
    • Three 2% Money-Back Categories if you choose to have your Rewards deposited into your Tangerine Savings Account, or two 2% Money-Back Categories if your Rewards are deposited back onto your Credit Card

    Notes:
    1. 3.00% of the amount transferred, or minimum of $5.00
    More information about the Tangerine Money-Back Credit Card
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