Canadian Credit Card Comparison: Cash Back Credit Cards

This chart was originally posted on Sep 17, 2004 and was last updated on May 19, 2021

Cash Back cards are just that - they reward you with cash back either as a statement credit or by cheque.
Retail Cash Back rewards you in cash but that cash can only be used at specific retailers dictated by the program associated with the card.

We also offer the following comparison charts:

Card	Card Type	Annual Fee	Additional Card Fee	Interest Rate	Foreign Transaction Fee	Minimum Income	Welcome Bonus	Renewal Bonus	Bonus Features	Maximum Annual Cash Back Limit	Earn Rate (Base amount)	Category Bonus Grocery	Category Bonus Gas	Category Bonus Drug Store	Category Bonus Home Improvement	Category Bonus Restaurant	Category Bonus Other	Common Carrier Travel Accident Insurance	Flight Delay Insurance	Delayed Baggage Insurance	Lost / Stolen Baggage Insurance	Damaged Baggage Insurance	Trip Cancellation	Trip Interruption	Travel Medical Insurance up to 64 years old	Travel Medical Insurance 65+	Auto Rental Loss Damage	Hotel / Motel Burglary Insurance	Purchase Protection	Price Protection	Extended Warranty	Business Class Lounge Access	Notes	Rewards Canada Review	Card
Alterna Savings Collabria Cash Back Visa Card	Cash Back	$0	$0	19.90% Purchase 19.90% Cash Advance	2.5%	N/A	0	0	N/A	Unlimited	1%	2%	N/A	N/A	N/A	N/A	N/A	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	N/A	No	Alterna Savings Collabria Cash Back Visa Card
ATB Gold Cash Rewards Mastercard	Cash Back	$0	$0	19.90% Purchase 21.90% Cash Advance	2.9%	N/A	0	0	N/A	Unlimited	1%	N/A	N/A	N/A	N/A	N/A	N/A	$300,000	No	No	No	No	No	No	No	No	Up to $65,000 MSRP	No	Yes 90 Days	No	Yes	No	N/A	No	ATB Gold Cash Rewards Mastercard
BMO CashBack Mastercard	Cash Back	$0	$0	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	5% cash back on every purchase (up to $100 cash back) in your first 3 months *	0	N/A	Unlimited	0.5%	3% on spend of up to $500 per month	N/A	N/A	N/A	N/A	1% on recurring bill payments	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	* Apply by Oct 31, 20	No	BMO CashBack Mastercard
BMO CashBack World Elite Mastercard	Cash Back	$0 in the first year then $120*	$50	19.99% Purchase 22.99% Cash Advance	2.5%	$80,000 Personal or $150,000 Household	5% cash back on every purchase (up to $200 cash back) in your first 3 months*	0	N/A	Unlimited	1.5%	N/A	N/A	N/A	N/A	N/A	N/A	$500,000	6 hours up to $500	No	Yes $500	Yes $500	No	Yes Up to $2,000 per person	8 days	No	Up to $65,000 MSRP	No	Yes 180 Days	No	Yes	Yes LoungeKey Membership	* Apply by Apr 30, 20	Yes Read it here	BMO CashBack World Elite Mastercard
Brim Mastercard	Cash Back	$0	$0	19.99% Purchase 21.5% - 24.99% Cash Advance	0%	N/A	0	0	0	Unlimited	1%	N/A	N/A	N/A	N/A	N/A	2% for Amazon*, Spotify & Netflix	$300,000	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	Also includes Mobile Device Insurance and Event Ticket Protection * Up to $10,000 with Amazon	No	brim Mastercard
Brim World Mastercard	Cash Back	$99	$20	19.99% Purchase 21.5% - 24.99% Cash Advance	0%	N/A	0	0	0	Unlimited	1.5% for first $25,000 in spending then 1%	N/A	N/A	N/A	N/A	N/A	2% for Amazon*, Spotify & Netflix	$500,000	4 hours up to $500	6 hours up to $1,000	Yes $1,000	Yes $1,000	No	No	8 days	No	Up to $65,000 MSRP	Yes $500	Yes 90 Days	No	Yes	Yes LoungeKey Membership	Also includes Mobile Device Insurance and Event Ticket Protection * Up to $10,000 with Amazon	No	brim World Mastercard
Brim World Elite Mastercard	Cash Back	First year free then $199	$50	19.99% Purchase 21.5% - 24.99% Cash Advance	0%	N/A	0	0	0	Unlimited	2% for first $25,000 in spending then 1%	N/A	N/A	N/A	N/A	N/A	2% for Amazon*, Spotify & Netflix	$500,000	4 hours up to $500	4 hours up to $500	Yes $1,000	Yes $1,000	Yes $2,000	Yes $5,000	15 days	3 days	Up to $85,000 MSRP	Yes $1,000	Yes 90 Days	No	Yes	Yes LoungeKey Membership	Also includes Mobile Device Insurance and Event Ticket Protection * Up to $10,000 with Amazon	No	brim World Elite Mastercard
*CIBC Dividend® Visa Card**	Cash Back	$0	$0 (up to 3)	19.99% Purchase 22.99% Cash Advance 22.99% Balance Transfers	See Terms †	$15,000 household	Get 5% cash back for 4 statements on total purchases of $2,000†	0	0	No limit on the total cash back you can earn†	0.5% on your first $6,000 in all other annual purchases†	2% cash back on your first $6,000 in net annual grocery purchases†	N/A	N/A	N/A	N/A	N/A	$100,000 COMMON CARRIER ACCIDENT INSURANCE†	No	No	No	No	No	No	No	No	No	No	Up to 90 days from date of purchase†	No	Up to one additional year following the expiry of the original manufacturer’s warranty†	No	No	No	*CIBC Dividend® Visa Card**
*CIBC Dividend® Visa Infinite Card**	Cash Back	$120	$30 (up to 3)	19.99% Purchase 22.99% Cash Advance 22.99% Balance Transfers	See Terms †	$60,000 individual, or $100,000 household	Get a first-year annual fee rebate!† Plus, get 10% cash back for the first 4 statements on total purchases of up to $2,000.†	N/A	N/A	No limit on the total cash back you can earn†	1%†	4%†	4%†	N/A	N/A	2%†	2%† cash back on recurring purchases	$500,000 COMMON CARRIER ACCIDENT INSURANCE†	No	No	No	No	No	No	$5,000,000 CDN, per person, per Trip 10-day coverage period if age 64 or under on your departure date †	No	Rental cars with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000† • Rental period of up to 48 days †	No	Up to 90 days from date of purchase†	No	Up to one additional year following the expiry of the original manufacturer’s warranty†	No	No	No	*CIBC Dividend® Visa Infinite Card**
CIBC Dividend Platinum® Visa Card	Cash Back	$99	$30 (up to 3)	19.99% Purchase 22.99% Cash Advance 22.99% Balance Transfers	See Terms †	$15,000 household	Get a first-year annual fee rebate!† Plus, get 10% cash back for the first 4 statements on total purchases of up to $2,000.†	N/A	N/A	No limit on the total cash back you can earn†	1%†	3%†	3%†	N/A	N/A	N/A	2%† cash back on recurring purchases	$500,000 COMMON CARRIER ACCIDENT INSURANCE†	No	No	No	No	No	No	No	No	Rental cars with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000† • Rental period of up to 48 days †	No	Up to 90 days from date of purchase†	No	Up to one additional year following the expiry of the original manufacturer’s warranty†	No	No	No	CIBC Dividend Platinum® Visa Card
Desjardin Cash Back Mastercard	Cash Back	$0	$0	19.9% Purchase 19.9% Cash Advance	2.5%	N/A	0	0	0	Unlimited	0.5%	N/A	N/A	N/A	N/A	N/A	1% on contactless payments and preauthorized payments	No	No	Yes $500	Yes $500	Yes $500	Yes $500	Yes $1,000	3 Days	3 Days up to 75	No	No	Yes 90 Days	No	Yes	No	N/A	No	Desjardin Cash Back Mastercard
Desjardin Cash Back Visa	Cash Back	$0	$0	19.9% Purchase 19.9% Cash Advance	2.5%	N/A	0	0	0	Unlimited	0.5%	N/A	N/A	N/A	N/A	N/A	1% on contactless payments and preauthorized payments	No	No	Yes $500	Yes $500	Yes $500	Yes $500	Yes $1,000	3 Days	3 Days up to 75	No	No	Yes 90 Days	No	Yes	No	N/A	No	Desjardin Cash Back Visa
Desjardins Cash Back World Mastercard	Cash Back	$50	$10	19.9% Purchase 19.9% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	0	0	0	Unlimited	1%	N/A	N/A	N/A	N/A	N/A	2% on contactless payments and preauthorized payments	No	No	Yes $500	Yes $500	Yes $500	Yes $500	Yes $1,000	3 Days	3 Days up to 75	Up to $85,000 MSRP	No	Yes 90 Days	No	Yes	No	N/A	No	Desjardins Cash Back World Mastercard
FIDO Mastercard	Cash Back	$0	$0	19.99% Purchase 21.5% Cash Advance	2.5%	N/A	$25	0	N/A	Unlimited	1.25%	N/A	N/A	N/A	N/A	N/A	3% on Foreign Currency Transactions 2% on Rogers products	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	N/A	No	FIDO Mastercard
Home Trust Preferred Visa	Cash Back	$0	$0	19.99% Purchase 19.99% Cash Advance	0%	N/A	0	0	Roadside Assistance Coverage	Unlimited	1%	N/A	N/A	N/A	N/A	N/A	N/A	No	No	No	No	No	No	No	No	No	Yes	No	Yes 90 Days	No	No	No	N/A	No	Home Trust Preferred Visa
Laurentian Bank Visa DOLLARS	Cash Back	$65	$0	19.99% Purchase 21.99% Cash Advance	2.5%	N/A	6% cash back on gas and groceries in the first 3 months. Maximum of $2,000 in purchases - $120 cash back	0	N/A	Unlimited	1%	2%	2%	N/A	N/A	N/A	3% on preauthorized payments	No	No	No	No	No	No	No	No	No	Yes	No	Yes 90 Days	No	No	No	For residents of Ontario & Quebec only	No	Laurentian Bank Visa DOLLARS
MBNA Smart Cash Platinum Plus® Mastercard®	Cash Back	$0	$0	19.99% Purchase 24.99% Cash Advance	2.5%	N/A	5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)	0	N/A	Unlimited	0.5%	2% (up to $500 per month)	2% (up to $500 per month)	N/A	N/A	N/A	N/A	$1,000,000	No	No	No	No	No	Yes $2,000	No	No	Up to $65,000 MSRP	No	Yes 90 Days	No	Yes	No	N/A	No	MBNA Smart Cash Platinum Plus® Mastercard®
MBNA Smart Cash® World Mastercard®	Cash Back	$39	$0	19.99% Purchase 24.99% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)	0	N/A	Unlimited	1%	2% (up to $500 per month)	2% (up to $500 per month)	N/A	N/A	N/A	N/A	$1,000,000	No	No	No	No	No	Yes $2,000	No	No	Up to $65,000 MSRP	No	Yes 90 Days	Yes	Yes	No	N/A	No	MBNA Smart Cash® World Mastercard®
Meridian Visa Cash Back Card	Cash Back	$0	$0	19.50% Purchase 21.99% Cash Advance	2.5%	N/A	0	0	0	Unlimited	0.5%	1%	1%	1%	N/A	N/A	1% on utility bills	$100,000	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	Yes 60 Days $100 per item / $500 per year	Yes	No	N/A	No	Meridian Visa Cash Back Card
*Meridian Visa Infinite Cash Back Card**	Cash Back	First year free then $99*	$30	19.50% Purchase 21.99% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	0	0	0	Unlimited	1%	4%**	4%**	2%**	N/A	N/A	2%** on utility bills	$1,000,000	No	6 hours $500	Yes up to $1,000	Yes up to $1,000	Yes $2,000 per person	Yes Unlimited coverage	48 days up to 59 years old 23 days 60 - 64 years old	15 days	Up to $65,000 MSRP	No	Yes 90 Days	Yes 60 Days $100 per item / $500 per year	Yes	No	* Limited time offer ** Applies to first $25,000 in purchases then 1% for all other purchases	No	*Meridian Visa Infinite Cash Back Card**
Meridian Visa Platinum Cash Back Card	Cash Back	First year free then $49*	$0	19.50% Purchase 21.99% Cash Advance	2.5%	N/A	0	0	0	Unlimited	1%	2%**	2%**	2%**	N/A	N/A	2%** on utility bills	$500,000	No	6 hours up to $500	Yes $1,000	Yes $1,000	No	No	No	No	Up to $65,000 MSRP	No	Yes 90 Days	Yes 60 Days $100 per item / $500 per year	Yes	No	* Limited time offer ** Applies to first $25,000 in purchases then 1% for all other purchases	No	Meridian Visa Platinum Cash Back Card
National Bank of Canada Allure Mastercard	Cash Back	$0	$0	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	0	0	0	Unlimited	0.5%	N/A	N/A	N/A	N/A	N/A	N/A	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	Card Support the Quebec Breast Cancer Foundation with every purchase	No	National Bank of Canada Allure Mastercard
National Bank of Canada ECHO Cashback Mastercard	Cash Back	$30	$0	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	0	0	0	Unlimited	1%	1.5%	1.5%	N/A	N/A	N/A	1.5% for online purchases	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	N/A	No	National Bank of Canada ECHO Cashback Mastercard
National Bank of Canada mycredit Mastercard	Cash Back	$0	$0	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	6% cashback for the first three months on pre authorized payments and restaurants and 2% back on all other transactions*	0	0	Unlimited	0.5%	N/A	N/A	N/A	N/A	1%	1% on recurring transactions	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	* Up to $125 cash back	No	National Bank of Canada mycredit Mastercard
President’s Choice Financial Mastercard	Retail Cash Back	$0	$0	19.97% Purchase 22.97% Cash Advance	2.5%	N/A	0	0	0	Unlimited	1%	1% at Loblaw stores	3 cents per litre at Esso & Mobil locations	2.5% at Shoppers Drug Mart	N/A	N/A	2% at PC Travel	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	N/A	No	President’s Choice Financial Mastercard
President’s Choice Financial World Mastercard	Retail Cash Back	$0	$0	19.97% Purchase 22.97% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	0	0	0	Unlimited	1%	2% at Loblaw stores	3 cents per litre at Esso & Mobil locations	3s.5% at Shoppers Drug Mart	N/A	N/A	2% at PC Travel	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	N/A	No	President’s Choice Financial World Mastercard
President’s Choice Financial World Elite Mastercard	Retail Cash Back	$0	$0	19.97% Purchase 22.97% Cash Advance	2.5%	$80,000 Personal or $150,000 Household	0	0	0	Unlimited	1%	3% at Loblaw stores	3 cents per litre at Esso & Mobil locations	4.5% at Shoppers Drug Mart	N/A	N/A	3% at PC Travel	No	No	No	No	No	No	No	10 Days	No	Up to $65,000	Yes up to $1,000	Yes 90 Days	No	Yes	No	N/A	No	President’s Choice Financial World Elite Mastercard
RBC Cash Back Mastercard	Cash Back	0%	0%	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	0	0	0	Unlimited	0.5% on first $6,000 spending then 1.0% on all other purchases over $6,000	2% on first $6,000 in net annual purchases 1% after that	N/A	N/A	N/A	N/A	N/A	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	N/A	No	RBC Cash Back Mastercard
RBC Cash Back Preferred World Elite Mastercard	Cash Back	$99	$0	19.99% Purchase 22.99% Cash Advance	2.5%	$80,000 Personal or $150,000 Household	1.75% cash back (up to $437.50 for the 1st 6 months) on all your spending	0	complimentary Boingo Wi-Fi account	Unlimited	1.5% until $25,000 then 1%	N/A	N/A	N/A	N/A	N/A	N/A	No	No	No	No	No	No	No	No	No	Up to $65,000 MSRP	No	Yes 120 Days	No	Yes	No	N/A	No	RBC Cash Back Preferred World Elite Mastercard
Rogers Platinum Mastercard	Cash Back	$0	$0	19.99% Purchase 21.5% Cash Advance	2.5%	N/A	$25	0	N/A	Unlimited	1.25%	N/A	N/A	N/A	N/A	N/A	3% on Foreign Currency Transactions 2% on Rogers products	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	N/A	No	Rogers Platinum Mastercard
Rogers World Elite Mastercard	Cash Back	$0	$0	19.9% Purchase 21.5% Cash Advance	2.5%	$80,000 Personal or $150,000 Household	$25	0	N/A	Unlimited	1.75%	N/A	N/A	N/A	N/A	N/A	4% on Foreign Currency Transactions 2% on Rogers products	$1,000,000	No	Yes $500	Yes $1,000	Yes $1,000	Yes $2,000 per person	Yes	48 days to age 59 23 days for ages 60-64	15 days for 65-75	Up to $65,000 MSRP	No	Yes 90 Days	No	Yes	Yes LoungeKey Membership	N/A	Yes Read it here	Rogers World Elite Mastercard
Scotia Momentum® MasterCard®	Cash Back	$0	$0	7.99% on Purchases for the first six months* 19.99% Purchase 22.99% Cash Advance	2.5%	$12,000	0	0	0	Unlimited	0.5%	1%	1%	1%	N/A	N/A	1% on recurring bills	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	* Apply by Jul 1,19	No	Scotia Momentum® MasterCard®
Scotia Momentum No Fee Visa	Cash Back	$0	$0	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	0	0	0	Unlimited	0.5%	1%	1%	1%	N/A	N/A	1% on recurring bills	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	N/A	No	Scotia Momentum No Fee Visa
Scotia Momentum® Visa	Cash Back	$39	$15	19.99% Purchase 22.99% Cash Advance	2.5%	$12,000	0	0	0	Unlimited	1%	2%*	2%*	2%*	N/A	N/A	2% on recurring bills *	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	* on the first $25,000 in purchases that are charged annually	No	Scotia Momentum® Visa
*Scotia Momentum® VISA Infinite Card**	Cash Back	$0 in the first year then $120*	$50	20.99% Purchase 22.99% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)	0	N/A	Unlimited	1%	4%*	2%*	N/A	N/A	N/A	4% on recurring bills 2% on daily transit	$500,000	4 hours up to $500	4 hours up to $500	Yes $500	No	Yes	Yes $2,000 per person	Up to 15 Days	No	Up to $65,000 MSRP	No	Yes 90 Days	No	Yes	No	*Welcome bonus & annual fee waiver are a limited time offer 4% cash back on the first $25,000 you spend annually at grocery stores and on recurring bill payments. 2% cash back on the first $25,000 you spend annually on daily transit and gas station purchases	No	*Scotia Momentum® VISA Infinite Card**
Shell CashBack World MasterCard® from BMO	Cash Back	$79	$0	19.99% Purchase 22.99% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	0	0	N/A	Unlimited	1.25%	N/A	3% at Shell locations in Canada	N/A	N/A	N/A	N/A	$500,000	6 hours up to $500	12 hours up to $200	Yes $500	Yes $500	No	Yes $2,000 per person	No	No	Up to $65,000 MSRP	Yes	Yes 90 Days	No	Yes	No	N/A	No	Shell CashBack World MasterCard® from BMO
Shell CashBack MasterCard® from BMO	Cash Back	$0	$0	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	$50 Cash back + 1% cash back for the first 6 months*	0	N/A	Unlimited	0.5%	N/A	1.5% at Shell locations in Canada	N/A	N/A	N/A	N/A	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	* Apply by Oct 31, 19	No	Shell CashBack MasterCard® from BMO
SimplyCash™ Card from American Express	Cash Back	$0	$0	19.99% Purchase 21.99% Cash Advance	2.5%	N/A	4% cash back on purchases (up to $200 cash back) for the first 6 months	0	N/A	Unlimited	1.25%	N/A	N/A	N/A	N/A	N/A	N/A	$100,000	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	N/A	No	SimplyCash™ Card from American Express
SimplyCash™ Preferred Card from American Express	Cash Back	$99	$0	19.99% Purchase 21.99% Cash Advance	2.5%	N/A	10% cash back in your first 4 months (up to $400 cash back)	0	N/A	Unlimited	2%	N/A	N/A	N/A	N/A	N/A	N/A	$100,000	4 hours up to $500	6 hours up to $500	Yes $500	Yes $500	No	No	15 Days	No	Up to $85,000 MSRP	Yes $500	Yes 90 Days	No	Yes	No	N/A	Yes Read it here	SimplyCash™ Preferred Card from American Express
Tangerine Money-Back Credit Card	Cash Back	$0	$0	19.95% 1.95% on transferred balances for 6 months with a 1% transfer fee	2.5%	N/A	4% on eligible purchases for the first 3 months made in your 2 to 3 selected categories	0	N/A	Unlimited	0.5%	2% (if you choose this as one of your bonus categories)	2% (if you choose this as one of your bonus categories)	2% (if you choose this as one of your bonus categories)	2% (if you choose this as one of your bonus categories)	2% (if you choose this as one of your bonus categories)	2% on Furniture or Hotel or Recurring Bill Payments or Public Transportation and parking or Entertainemnt (if you choose them as one of your bonus categories)	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	N/A	No	Tangerine Money-Back Credit Card
Tangerine World Mastercard®	Cash Back	$0	$0	19.95% 1.95% on transferred balances for 6 months with a 1% transfer fee	2.5%	N/A	4% on eligible purchases for the first 3 months made in your 2 to 3 selected categories	0	N/A	Unlimited	0.5%	2% (if you choose this as one of your bonus categories)	2% (if you choose this as one of your bonus categories)	2% (if you choose this as one of your bonus categories)	2% (if you choose this as one of your bonus categories)	2% (if you choose this as one of your bonus categories)	2% on Furniture or Hotel or Recurring Bill Payments or Public Transportation and parking or Entertainemnt (if you choose them as one of your bonus categories)	No	No	No	No	No	No	No	No	No	Yes	No	Yes 90 Days	No	Yes	Yes LoungeKey Membership	N/A	No	Tangerine World Mastercard®
Triangle Mastercard	Retail Cash Back	$0	$0	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	0	0	N/A	Unlimited	1%	N/A	5 cents per litre at Canadian Tire & Husky locations	N/A	N/A	N/A	4% at Canadian Tire, Sport Chek, and participating Mark's / L'Equipeur and Atmosphere stores	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	N/A	No	Triangle Mastercard
Triangle World Elite Mastercard	Retail Cash Back	$0	$0	19.99% Purchase 22.99% Cash Advance	2.5%	$80,000 Personal	0	0	N/A	Unlimited	1%	3%*	Earn up to 7 cents per litre at Canadian Tire & Husky locations	N/A	N/A	N/A	4% at Canadian Tire, Sport Chek, and participating Mark's / L'Equipeur and Atmosphere stores	No	No	No	No	No	No	No	No	No	Yes	No	Yes	No	Yes	No	* on the first $12,000 in spending	No	Triangle World Elite Mastercard

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MBNA Smart Cash® World Mastercard®	‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. MBNA Dollars will be awarded on eligible transactions charged to your account. There is a monthly spend cap of $500 on the earn rate for eligible gas and grocery purchases. Once the monthly spend cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of MBNA Dollars, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. †† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. For the first six (6) months after the account is opened (the “Bonus Period“), eligible gas and grocery purchases will earn 5% in MBNA Dollars until the total gas and grocery purchases in the applicable month reaches $500 (the "Gas and Groceries Monthly Spend Cap"). Once the Gas and Groceries Monthly Spend Cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Please allow 8–10 weeks from the transaction date for bonus MBNA Dollars to be posted to your MBNA Dollars account. Limit one-time bonus MBNA Dollars offer per new account. This promotion is offered by MBNA and may be amended or cancelled at any time without notice. †††† To be eligible for a World Account, your personal annual income must be greater than $60,000, or your household annual income must be $100,000 or greater. Additional account qualification criteria apply as set out in this application. **Coverage is underwritten by Allianz Global Risks US Insurance Company (Canadian Branch) and/or American Bankers Insurance Company of Florida. Certain limitations and exclusions may apply to this benefit and others described in the certificate of insurance sent soon after your Account is opened. ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.
MBNA Smart Cash Platinum Plus® Mastercard®	‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. MBNA Dollars will be awarded on eligible transactions charged to your account. There is a monthly spend cap of $500 on the earn rate for eligible gas and grocery purchases. Once the monthly spend cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of MBNA Dollars, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. †† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. For the first six (6) months after the account is opened (the “Bonus Period“), eligible gas and grocery purchases will earn 5% in MBNA Dollars until the total gas and grocery purchases in the applicable month reaches $500 (the "Gas and Groceries Monthly Spend Cap"). Once the Gas and Groceries Monthly Spend Cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Please allow 8–10 weeks from the transaction date for bonus MBNA Dollars to be posted to your MBNA Dollars account. Limit one-time bonus MBNA Dollars offer per new account. This promotion is offered by MBNA and may be amended or cancelled at any time without notice. **Coverage is underwritten by Allianz Global Risks US Insurance Company (Canadian Branch) and/or American Bankers Insurance Company of Florida. Certain limitations and exclusions may apply to this benefit and others described in the certificate of insurance sent soon after your Account is opened. ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.