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By Credit Card Company
Canadian Credit Card Comparison:
Cash Back Credit Cards
 

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



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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



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ATB Gold Cash Rewards Mastercard



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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



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BMO CashBack Mastercard



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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



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BMO CashBack World Elite Mastercard



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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
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BMO CashBack World Elite Mastercard



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Brim Mastercard



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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



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Brim World Mastercard



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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



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Brim World Elite Mastercard



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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



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CIBC Dividend® Visa* Card



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Cash Back $0 $0 (up to 3) 19.99%
Purchase

22.99%
Cash Advance
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



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CIBC Dividend® Visa Infinite* Card



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Cash Back $99 $30 (up to 3) 19.99%
Purchase

22.99%
Cash Advance
See Terms † $60,000 individual, or
$100,000 household
Get a first-year annual fee rebate and 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 N/A 2% cash back
on Tim Hortons® and TELUS® purchases†
$500,000 COMMON CARRIER ACCIDENT INSURANCE† Up to $500† Up to $1,000 (maximum
$500 per Insured Person)†
Up to $1,000 (maximum
$500 per Insured Person)†
Up to $1,000 (maximum
$500 per Insured Person)†
No up to $2,000 per Insured Person for each trip† $5,000,000
CDN, per person, per Trip 15-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



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CIBC Dividend Platinum® Visa Card



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Cash Back $99 $30 (up to 3) 19.99%
Purchase

22.99%
Cash Advance
See Terms † $15,000 household Get a first-year annual fee rebate and 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 N/A 2% cash back
on Tim Hortons® and TELUS® 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



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Desjardin Cash Back Mastercard



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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



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Desjardin Cash Back Visa



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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



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Desjardins Cash Back World Mastercard



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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



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FIDO Mastercard



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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



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Home Trust Preferred Visa



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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



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Laurentian Bank Visa DOLLARS



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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



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MBNA Smart Cash Platinum Plus® Mastercard®



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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®



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MBNA Smart Cash® World Mastercard®

mbna Smart Cash World

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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®

mbna Smart Cash World

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Meridian Visa Cash Back Card



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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



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Meridian Visa Infinite* Cash Back Card



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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



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Meridian Visa Platinum Cash Back Card



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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



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National Bank of Canada Allure Mastercard



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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



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National Bank of Canada ECHO Cashback Mastercard



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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



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National Bank of Canada mycredit Mastercard



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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



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President’s Choice Financial Mastercard



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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



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President’s Choice Financial World Mastercard



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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



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President’s Choice Financial World Elite Mastercard



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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



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RBC Cash Back Mastercard



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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



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RBC Cash Back Preferred World Elite Mastercard



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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



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Rogers Platinum Mastercard



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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



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Rogers World Elite Mastercard

mbna Smart Cash Platinum Plus

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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

mbna Smart Cash Platinum Plus

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Scotia Momentum® MasterCard®



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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®



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Scotia Momentum No Fee Visa



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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



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Scotia Momentum® Visa



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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



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Scotia Momentum® VISA* Infinite Card



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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



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Shell CashBack World MasterCard® from BMO



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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



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Shell CashBack MasterCard® from BMO



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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



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SimplyCash™ Card from American Express



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Cash Back $0 $0 19.99%
Purchase

21.99%
Cash Advance
2.5% N/A 2.5% cash back on purchases (up to $150 cash back) for the first 3 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



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SimplyCash™ Preferred Card from American Express



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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



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Tangerine Money-Back Credit Card



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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



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Tangerine World Mastercard®



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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®



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TD Cash Back Card



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Cash Back $0 $0 19.99%
Purchase

22.99%
Cash Advance
2.5% N/A 0 0 N/A Unlimited 0.5% 1%* 1%* 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 * on the first $5,000 spent and see footnotes below No TD Cash Back Card



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TD Cash Back Visa Infinite* Card

TD Cash Back Infinite

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Cash Back $0 in first year then
$120
$50 20.99%
Purchase

22.99%
Cash Advance
2.5% $60,000 Personal or $100,000 Household 6% on all purchases for the first 3 months1 up to a total spend of $2,000. 0 N/A Unlimited 1% 3% 3% N/A N/A N/A 3% on recurring bill payments No No Yes
$1,000
Yes
$1,000
No No No 10 days 4 days Up to $65,000 MSRP No Yes
90 Days
No Yes No See footnotes below No TD Cash Back Visa Infinite* Card

TD Cash Back Infinite

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Triangle Mastercard



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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



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Triangle World Elite Mastercard



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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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Footnotes
Card Legal
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.
TD Cash Back Visa Infinite* Card

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this TD credit card, please click on the Apply Now button.

1 Applies to new TD Cash Back Visa Infinite* Account ("Account") only. Welcome Bonus: Must apply by May 31, 2020. Welcome Bonus of 6% in Cash Back Dollars ("Welcome Bonus Rebate") applies to new Accounts in the first 3 months of Account opening ("First 3 Months") to a maximum total collective spend of $2000 ("Welcome Bonus Cap") on all purchases charged to your Account, and recurring bill payments set up on your Account ("Pre-Authorized Payments"). Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the 1st Additional Cardholder added to the Account. To receive the 1st Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by June 1, 2020. Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Annual Fee for any subsequent Additional Cardholders added to the Account continues to apply. Any returned items, refunds, rebates or other similar credits on any Purchases or Pre-Authorized Payment made during the First 3 Months will reduce or cancel the Cash Back Dollars earned at the Welcome Bonus Rebate on the original Purchase or Pre-Authorized Payment, as applicable. Welcome Bonus Cap: Once the Welcome Bonus Cap is reached, any further Purchases and Pre-Authorized Payments made in the First 3 Months will earn Cash Back Dollars at the regular accelerated 3% rebate that applies to each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments as set out in your Cardholder Agreement ("Accelerated Rebate"). Applicability of Welcome Bonus Rebate: Welcome Bonus Rebate is in place of, and not in addition to, the Accelerated Rebate. $15,000 Cap on each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments: After the First 3 Months, the Accelerated Rebate will apply to all Gas Purchases, Grocery Purchases and Pre-Authorized Payments charged to your Account up to a $15,000 maximum net annual spend ("$15,000 Cap") for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments. Once the $15,000 Cap is reached for any of Gas Purchases, Grocery Purchases or Pre-Authorized Payments, then any further Gas Purchases, Grocery Purchases and Pre-Authorized Payments made on the Account will only earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in your Cardholder Agreement. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments will be reduced by the actual corresponding amount of Gas Purchases, Grocery Purchases and Pre-Authorized Payments made in the First 3 Months. For example, if you spend $2,000 in Gas Purchases in the First 3 Months, the $15,000 Cap for Gas Purchases will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Merchant Category Codes: To earn the Welcome Bonus Rebate on Gas Purchases and Grocery Purchases, the Gas Purchase or Grocery Purchase must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Welcome Bonus Rebate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Welcome Bonus may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available to customers who have closed an Account in the last 12 months...
2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
3 Earn 3% in Cash Back Dollars ("Gas Rebate") for each $1.00 in Purchases of gas or gas station services or products ("Gas Purchases") charged to your TD Cash Back Credit Card Account ("Account") and earn 3% in Cash Back Dollars ("Grocery Rebate") for each $1.00 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Gas Purchase or Grocery Purchase, as applicable. $15,000 Cap: Each of the Gas Rebate and the Grocery Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached for either Gas Purchases or Grocery Purchases, then any further Gas Purchases and Grocery Purchases made on the Account will only earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Gas Rebate and Grocery Rebate: Each of the Gas Rebate and the Grocery Rebate is in place of, and not in addition to, the Standard Rebate. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for each of Gas Purchases and Grocery Purchases will be reduced by the actual corresponding amount of Gas Purchases and Grocery Purchases made in the first 3 months of Account opening ("First 3 Months") that are subject to the Welcome Bonus in Cash Back Dollars. For example, if you spend $2,000 in Gas Purchases in the First 3 Months, the $15,000 Cap for Gas Purchases will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Merchant Category Codes: To earn the Gas Rebate and/or Grocery Rebate, the Gas Purchases and/or Grocery Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Gas Rebate or Grocery Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
4 Earn 3% in Cash Back Dollars ("PAP Rebate") on each $1.00 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Cash Back Credit Card Account ("Account") and that are classified through the Visa network as "recurring payments" ("Pre-Authorized Payments"). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Pre-Authorized Payment. $15,000 Cap: The PAP Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for Pre-Authorized Payments will be reduced by the actual corresponding amount of Pre-Authorized Payments made in the first 3 months of Account opening ("First 3 Months") that are subject to the Welcome Bonus in Cash Back Dollars. For example, if you set up $2,000 in Pre-Authorized Payments in the First 3 Months, the $15,000 Cap for Pre-Authorized Payments will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
5 Earn 1% in Cash Back Dollars ("Standard Rebate") on each $1.00 for all other Purchases ("Other Purchases") charged to your TD Cash Back Credit Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Other Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 6 Account must be open and in good standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Infinite Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp
7 TD Auto Club is provided by AXA Assistance Canada Inc. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.
8 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 10-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top-up with.
9 The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes, no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite card.
Trademark of Visa International Service Association and used under license. Coin image© 2017 Royal Canadian Mint. All rights reserved.


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TD Cash Back Visa* Card

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this TD credit card, please click on the Apply Now button.

1 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholder Cards on the Account.

2 Earn 1% in Cash Back Dollars ("Gas Rebate") for each $1.00 in Purchases of gas or gas station services or products ("Gas Purchases") charged to your TD Cash Back Credit Card Account ("Account") and earn 1% in Cash Back Dollars ("Grocery Rebate") for each $1.00 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Gas Purchase or Grocery Purchase, as applicable. $5,000 Cap: Each of the Gas Rebate and the Grocery Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 Cap has been reached for either Gas Purchases or Grocery Purchases, then any further Gas Purchases and Grocery Purchases made on the Account will earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Gas Rebate and Grocery Rebate: Each of the Gas Rebate and the Grocery Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Gas Rebate and/or Grocery Rebate, the Gas Purchases and/or Grocery Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Gas Rebate or Grocery Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

3 Earn 1% in Cash Back Dollars ("PAP Rebate") on each $1.00 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Cash Back Credit Card Account ("Account") and that are classified through the Visa network as "recurring payments" ("Pre-Authorized Payments"). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Pre-Authorized Payment. $5,000 Cap: The PAP Rebate is only available to a $5,000 maximum net annual spend ("$5,000 Cap"). Once the $5,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn Cash Back Dollars at the standard rebate of 0.5% that applies to all other Purchases on the Account as set out your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

4 Earn 0.5% in Cash Back Dollars ("Standard Rebate") on each $1.00 for all other Purchases ("Other Purchases") charged to your TD Cash Back Credit Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

5 Account must be open and in good standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp

6 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

*Trademark of Visa International Service Association and used under license
All trade-marks are the property of their respective owners.
Coin image© 2017 Royal Canadian Mint. All rights reserved .

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