HSBC Canada Credit Cards
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Credit Card Offers Updated on November 3, 2020
Travel Points Cards with Annual Fee
This month's Credit Card Spotlight:

HSBC World Elite® Mastercard®
HSBC World Elite® Mastercard®
Primary Cardholder Annual Fee: $149 - First Year Fee Rebate. Terms apply.
Authorized User Annual Fee: $50 Per Card
Annual interest rate: 19.9% on purchases and 22.9% on funds advances
$80,000 personal or $150,000 household annual income

Earn up to 100,000 Points ($500 travel value) PLUS a full annual fee rebate for the Primary Cardholder for the first year. Must apply by December 28, 2020. Conditions Apply.
Welcome bonus awarded as follows:
- Welcome Bonus of 20,000 Points ($100 travel value)
- Spend $5,000 in the first 180 days to earn an additional 80,000 Points ($400 travel value)

• Earn 3% in travel rewards on all eligible travel purchases (6 Points per $1) and earn 1.5% in travel rewards on all other eligible purchases (3 Points per $1)
• No foreign transaction fees. Only the exchange rate will apply
• Enjoy maximum flexibility and redeem your Points on your terms for:

• Travel
• Gift cards and valuable merchandise
• Financial rewards
• Rewards for miles

Apply Now

This offer is only available to residents of Canada other than the province of Quebec. (Quebec residents eligible for separate offer)

 


Provider Offer Validity Date

American Express® AIR MILES®* Platinum Credit Card
American Express®  AIR MILES* Platinum Credit Card
Card Type: Credit   
Annual Fee: $120 Additional Card Fee: $50
Annual interest rate 20.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%

• New American Express® AIR MILES®* Platinum Credit Card Cardmembers, earn a Welcome Bonus of 3,000 AIR MILES®* Bonus Miles when you charge a total of $1,500 in purchases to your Card within your first three months of Cardmembership. That’s enough to redeem for $310 towards your purchases with AIR MILES®* Cash
• Earn 1 Mile for every $5 in Card purchases, up to $30,000 annually, on eligible food & drinks, (such as eligible restaurants, coffee shops and stand-alone grocery stores), and eligible gas & transit (such as local commuter transportation including ridesharing services and taxi) in Canada.
• Earn 1 Mile for every $10 in Card purchases everywhere else.
• American Express® AIR MILES®* Platinum Credit Card Cardmembers can take advantage of the Annual Travel Redemption Benefit. Once per calendar year, when an eligible Cardmember uses Dream Miles with the AIR MILES Reward Program to book their first single flight or package vacation through airmiles.ca or vacations.airmiles.ca, they can get Bonus Miles equivalent to 25% of the net number of Miles used (up to a maximum of 750 Bonus Miles).
• Shop at participating AIR MILES®* Partners®* across Canada with your Card and show your AIR MILES®* Card, and you can earn Miles twice
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Apply Now


BMO World Elite™* MasterCard®*
BMO World Elite™* MasterCard®*
Annual Fee: $150 Primary Card (Waived in first year) $50 Secondary Card
Interest Rate: Purchases 19.99% Cash Advances 22.99%

Get up to $575 in value in your first year*
Welcome offer: Get 40,000 points and the $150 annual fee waived in the first year ($285 travel value booked on bmorewards.com + $150 Value*).
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus four annual complimentary passes* ($140 Value/Year).
Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases*
Get 2 points for every $1 spent everywhere else*
Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
Points you can use to cover all flight charges & taxes*
Fly on any airline, with no blackout dates*
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada


Apply Now

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

BMO AIR MILES®† World Elite®* MasterCard®*
BMO AIR MILES®† World Elite®* MasterCard®*
Annual Fee: $120 Primary Card $50 Additional Card
· Interest Rate: Purchases 19.99% Cash Advances 22.99%

Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year*.

· Earn 1 reward mile for every $10 in credit card purchases, everywhere you spend*
· Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
· Use your card at Costco
· Extended Warranty
· Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
· Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus two annual complimentary passes*
· Exclusive 15% Flight Discount on all AIR MILES flights in North America with no blackout periods*
· BMO AIR MILES World Elite Travel and Medical Protection*
· BMO Concierge Service*
· Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
· Get 5x the Miles at Shell until December 31, 2020*
*Terms and conditions apply

Apply Now

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

BMO eclipse Visa Infinite
BMO eclipse Visa Infinite
Annual Fee: $120 Primary Card $50 Additional Card
· Interest Rate: Purchases 20.99% Cash Advances 23.99%
·
Minimum $60,000 (individual) or $100,000 (household) annual income required

Welcome offer: Get up to 40,000 points and the $120 annual fee waived in the first year

Bonus offer is as follows: 25,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $3,000 in the first three months. Receive an additional 15,000 BMO Rewards points anniversary bonus twelve (12) months after the Credit Card account open date if your account is in good standing
· Earn 5x the BMO Rewards points on groceries, dining, gas and transit*
· Get 1 BMO Reward for every $1 spent on everything else*
· Get a $50 annual lifestyle credit to spend however you want*
· Mobile Device Insurance that covers you for up to $1,000*
· Earn 10% more points when you add an authorized user to your account*
· Pay with Points by browsing your recent transactions & redeem your points for as little as $1


Apply Now

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply

BMO eclipse Visa Infinite Privilege
BMO eclipse Visa Infinite Privilege
Annual Fee: $499 Primary Card $99 Additional Card
· Interest Rate: Purchases 20.99% Cash Advances 23.99%

Welcome offer: Get up to 50,000 points*

Bonus offer is as follows: 35,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $5,000 in the first three months. Receive an additional 15,000 BMO Rewards points anniversary bonus twelve (12) months after the Credit Card account open date if your account is in good standing
· Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel*
· Get 1 BMO Reward for every $1 spent on everything else*
· Get a $200 annual lifestyle credit to spend however you want*
· Mobile Device Insurance that covers you for up to $1,000*
· Earn 25% more points when you add an authorized user to your account*
· Pay with Points by browsing your recent transactions & redeem your points for as little as $1
· Enjoy Priority PassTM membership and 6 lounge pass visits for primary cardholders and 6 lounge pass vists for every authorized user on the account per year*
· Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
· Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country*


Apply Now
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply

National Bank of Canada World Elite Mastercard
National Bank of Canada World Elite Mastercard
Annual Fee $150 Additional Cards: $50

• $300 cashback when you spend $4,000 on the card in the first three month and no annual fee on the primary card in the 1st year
• Earn up to 2 points per dollar spent, based on your net spending over a 12-month period starting on the date you open the account:
  • $0 to $40 000 = 1.5 points per dollar in purchases
  • $40 001 to $80 000 = 2 points per dollar in purchases
  • $80 001 and more = 1.5 points per dollar in purchases

• Refund of up to $250 per year on seat selection, airport paking and baggage fees
• Access for you and a guest at the National Bank Lounge at Montréal-Trudeau Airport
• Comprehensive Insurance Package

Apply Now

RBC Rewards Visa Preferred
  • RBC Rewards Visa Preferred
  • Comprehensive insurance coverage
  • Earn 1 RBC Rewards point for every $1 spent
  • Redeem points for travel, merchandise & more
  • 2,500 bonus points upon enrolment
Ongoing
Signature RBC Rewards Visa Ongoing

Scotiabank Passport Visa Infinite Card
Scotiabank Passport Visa Infinite card
Annual Fee: $139 Additional Cards: $0 for first card $50 for each additional
Minimum Income $60,000

• Earn up to 30,000 bonus Scotia Rewards points in your first year (that’s up to $350 towards travel )‡
• Earn 2x Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)
• Enjoy no FX Mark-up
• Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year

• Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.

Apply Now


Scotia Gold American Express Card
Scotia Gold American Express Card
Annual Fee $120 Additional Cards: $29

• Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months†
• Earn 5 Scotia Rewards points forevery $1 you spend at eligible grocery stores, dining and entertainment
• Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
• Earn 1 point for every $1 you spend on all other eligible everyday purchases
• Complimentary Concierge Services 24/7
• Amex exclusive benefits (Front Of The Line)
• Rates, fees, offers and other information are effective as of Nov 1, 2020. Subject to change.

• Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
• Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
• Low price airfare alerts
• Receive up to 25% off qualifying car rentals
• Travel emergency medical coverage is automatically provided for eligible persons for up to 25 consecutive days
• Redeem points for merchandise and other rewards

Apply Now


Scotiabank®* Platinum American Express® Card

Scotiabank®* Platinum American Express® Card
• Earn 30,000 bonus Scotia Rewards points upon first purchase◊
• Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
• Earn one point on all other eligible everyday purchases
• Complimentary membership to Priority Pass Airport Lounges Worldwide
• Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
• Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.

Apply Now


Shell AIR MILES World MasterCard from BMO
1.25x Miles on card purchases at Shell locations in Canada*
- 1 Mile for every $15 in card purchases everywhere else MasterCard is accepted*
- Save 3¢ per litre at Shell until October 31, 2019. Use your Shell AIR MILES World Credit Card and AIR MILES Collector Card when fueling up at Shell.*
- Interest Rate: Purchases 19.99% Cash Advances 22.99%
- Annual Fee: $99

Apply Now
Limited Time

TD® First Class Travel® Visa Infinite* Card
TD® First Class Travel® Visa Infinite* Card
Annual Fee: $120 Additional Cards: $502
Annual interest rate 19.99% on purchases and 22.99% on funds advances
$60,000 personal or $100,000 household annual income

Apply by May 30, 2021 to get a full Annual Fee Rebate1 for the Primary and Additional Cardholders for the first year and up to 60,000 TD Points1 (a travel value of $300 when you book travel purchases through ExpediaForTD.com+) as follows:

Welcome Bonus of 20,000 TD Points when you make your first Purchase with your Card1.
+
40,000 TD Points when you spend $1,500 within 90 days of Account opening1.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.

• Redeem TD Points for travel and travel-related purchases3
• Also redeem4 TD Points for retail merchandise and gift cards, or for a cash credit to your Account
• No travel blackouts5, no seat restrictions5 and no expiry6 for your TD Points
• An extensive suite of travel insurance

• Earn 9 TD Points9 when you book travel online through Expedia® For TD8
• Earn 3 TD Points for every $1 you spend on Purchases made using your Card10
• Your TD Points don’t expire as long as you are a TD First Class Travel Visa Infinite* Cardholder

Apply Now

This offer is not available for residents of Quebec. For Quebec residents, please click here.

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 and current information on any TD product, please click the Apply Now button.

+ Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments.
1 Must apply by May 30, 2021. Welcome Bonus of 20,000 TD points will be awarded to the TD First Class Travel® Visa Infinite* ("Account") only after the first Purchase is made on the Account. For Residents outside of Quebec: To receive the additional 40,000 TD points, you must make $1,500 in Purchases on your Account, including your first Purchase, within 90 days of Account opening. For Quebec Residents only: To receive the additional 40,000 TD points, you must keep your Account open, active and in good standing for 90 days after Account opening. For all Accounts: 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 first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the 1st Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by January 18, 2021. Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Offer 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 customers who have activated and/or closed a TD First Class Travel® Visa Infinite* Account in the last 6 months. We reserve the right to limit the number of Accounts opened by and the number of TD points awarded to any one person.
2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.
3 Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments
4 The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com
5 Subject to carrier/space availability.
6 TD Points do not expire as long as you are a Cardholder.
7 TD Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Points must be redeemed in minimum increments of 200 or 250 TD Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Points will be redeemed from the TD Points balance available at the time the TD Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Points redeemed. If there are insufficient TD Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Points redeemed. Any amount of the travel Purchase not covered by the TD Points redeemed will remain on the Account for payment.
8 Expedia For TD is operated by Expedia, Inc. at www.tdrewards.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.
9 Earn 9 TD Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to the Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 6 TD Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to the Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Points earned on the original Phone Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
10 Earn 3 TD Points ("Standard Rebate") on every $1 on all other Purchases ("Other Purchases") charged to the Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Points. Other Conditions : Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
All trade-marks are the property of their respective owners.
* Trademark of Visa International Service Association and used under license.
®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

HSBC Canada Credit Cards
Travel Points Cards with no annual fees
Provider Offer Validity Date

BMO Rewards® MasterCard
BMO Rewards® MasterCard
No annual fee
Interest Rate: Purchases 19.99% Cash Advances 22.99%

Welcome offer: Get 15,000 BMO Rewards welcome points* and a 1.99% introductory interest rate on Balance Transfers for 9 months*
1% fee applies to balance amounts transferred*
Get 1 BMO Rewards point for every $1 spent*
Earn faster with additional cardholders
Get up to 25% off car rentals at National®#† Car Rental and Alamo®*‡ Rent A Car locations worldwide
Extended Warranty*
Purchase Protection*
Zero Dollar Liability: protects you from unauthorized use of your credit card*


Apply Now

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

BMO AIR MILES®† MasterCard®*
BMO AIR MILES®† MasterCard®*
Welcome offer: Get 950 AIR MILES Bonus Miles!* That’s enough for $100 towards purchases with AIR MILES Cash*
- and there’s No annual fee
- and a 1.99% introductory interest rate on Balance Transfers for 9 months*. 1% fee applies to balance amounts transferred*
- Get 3x the Miles for every $25 spent at participating AIR MILES Partners*
- Get 1 Mile for every $25 spent everywhere else*
- Earn more reward miles when you use your card at Shell, National Car Rental and Alamo Rent A Car
- Extended Warranty
- Purchase Protection
- Get 5x the Miles at Shell until December 31, 2020*
- Interest Rate: Purchases 19.99% Cash Advances 22.99%

Apply Now

Shell AIR MILES®† MasterCard® from BMO
Shell AIR MILES®† MasterCard® from BMO
Welcome offer: Get 950 AIR MILES Bonus Miles!* That’s enough for $100 towards purchases with AIR MILES Cash*
- and there’s No annual fee
- Get 3x the Miles for every $25 spent at participating AIR MILES Partners*
- Get 1 Mile for every $25 spent everywhere else*
- Get 5x the Miles at Shell until December 31, 2020*
- Interest Rate: Purchases 19.99% Cash Advances 22.99%

Apply Now

MBNA Rewards Platinum Plus® Mastercard®
MBNA Rewards Platinum Plus® Mastercard®

• 4 points†† for every $1 spent on eligible gas, groceries and restaurant purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible gas, groceries and restaurant purchases thereafter ($5,000 annual cap on each category). 1 point‡ for every $1 spent on all other eligible purchases
• 5,000 bonus points†† after you make $500 or more in eligible purchases within the first 90 days of your account opening
• 5,000 bonus points†† once enrolled for paperless e-statements within the first 90 days of account opening
• Redeem points‡ for travel, cash back, brand-name merchandise, gift cards from participating retailers, and charitable donations
• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
• No annual fee
• This offer is not available for residents of Quebec.  For residents of Quebec, please click here.


Apply Now

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and 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 MBNA credit card, please click on the Apply Now button.


‡ These are highlights of the credit card rewards program (the " Program ") associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. You will earn two (2) points per dollar spent on eligible gas, grocery and restaurant purchases to a maximum annual amount of $5,000 in each category. Eligible purchases that are not eligible gas, grocery and restaurant purchases will earn a Base Earn Rate of one (1) point per dollar. The redemption rate for Points earned may differ depending on the redemption option chosen. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of Points, and other important conditions 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. Welcome bonus of 5,000 points will be awarded if $500 in eligible Purchases are made on your Account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request(s) or otherwise disputed. In order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at www.mbna.ca and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. For the double the points on gas, grocery and restaurant Purchases offer, for the first 90 days after account opening you will earn an additional 2 points/$1 spent on eligible gas, grocery and restaurant purchases (on top of the regular earn rate of 2 points/$1 spent on such purchases as indicated in the Program terms and conditions), subject to a maximum annual cap of $5,000 in each category. Please allow 8-10 weeks for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each bonus point offer. This offer is not available to residents of Quebec. This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

✪ 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.


Scotiabank American Express Card

Scotiabank American Express Card
Annual Fee $0

• Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊
• Earn one Scotia Rewards point on all eligible everyday purchases
• Flexible Point Redemption
• Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.

Apply Now


ScotiaGold Passport® VISA* card

ScotiaGold Passport® VISA* card
Annual Fee $0

• Earn 5,000 bonus Scotia Rewards points upon your first purchase◊
• Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday purchases
• 5% cash back on travel purchased through Scotia Rewards
Flexible Point Redemption
• Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.

Apply Now


HSBC Canada Credit Cards
Hybrid Cards
Provider Offer Validity Date


American Express Cobalt™ Card


American Express Cobalt™ Card
• In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
• 30,000 points is enough for:
  • $300 in statement credits redeemed towards travel purchases charged to your Card or
  • $225 in Amex Prepaid Cards
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
• You can get access to your first Cobalt Perk: earn a total of 10x the points for every $1 on eligible purchases made at Amazon.ca (up to $500) in your first 3 months of Cardmembership. Enjoy your first Perk as a new Cobalt Cardmember when you apply by January 13, 2021!
• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery
• Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B
• Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases
• Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

Apply Now

American Express Gold Rewards Card
American Express® Gold Rewards Card
American Express® Gold Rewards Card
Card Type: Charge
Annual Fee: $150

• New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points when you charge $1,500 in purchases to your Card in your first 3 months of Cardmembership
• That's enough to redeem for a round-trip Fixed Mileage Flight Reward™ to almost anywhere in North America
• Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada
• Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
• Earn 1 point for every $1 in Card purchases everywhere else
• Charge any eligible purchase to your Card then log in to redeem your points for a statement credit
• Book flights within Canada or to destinations around the world for a fixed amount of points, with the Fixed Points Travel Program. You can book any airline, fly any day, and even book right up to a day before departure
• 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Apply Now

 


The Platinum Card®
The Platinum Card®
Card Type: Charge
Annual Fee: $699 Additional Card Fee: $175 for Platinum, $50 for Gold

• Unlock special experiences with the newly designed metal Platinum Card
• New Platinum® Cardmembers, earn 25,000 Welcome Bonus Membership Rewards® points when you charge $2,000 in purchases to your Card in the first three months of Cardmembership
• Earn 3 points for every $1 in Card purchases on eligible dining in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service
• Take full advantage of the American Express Global Lounge Collection™ which unlocks access to over 1200 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
• Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels & Resorts
• Platinum Cardmembers can enjoy access to special events and unique opportunities
• Enjoy premium benefits at the Toronto Pearson Airport including security bypass, complimentary valet car service and discount car care and parking
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts®, Radisson Hotel Group Hotels and Resorts, Hertz® and Avis®
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Apply Now


HSBC World Elite® Mastercard®
HSBC World Elite® Mastercard®
Primary Cardholder Annual Fee: $149 - First Year Fee Rebate. Terms apply.
Authorized User Annual Fee: $50 Per Card
Annual interest rate: 19.9% on purchases and 22.9% on funds advances
$80,000 personal or $150,000 household annual income

Earn up to 100,000 Points ($500 travel value) PLUS a full annual fee rebate for the Primary Cardholder for the first year. Must apply by December 28, 2020. Conditions Apply.
Welcome bonus awarded as follows:
- Welcome Bonus of 20,000 Points ($100 travel value)
- Spend $5,000 in the first 180 days to earn an additional 80,000 Points ($400 travel value)

• Earn 3% in travel rewards on all eligible travel purchases (6 Points per $1) and earn 1.5% in travel rewards on all other eligible purchases (3 Points per $1)
• No foreign transaction fees. Only the exchange rate will apply
• Enjoy maximum flexibility and redeem your Points on your terms for:

• Travel
• Gift cards and valuable merchandise
• Financial rewards
• Rewards for miles

Apply Now

This offer is only available to residents of Canada other than the province of Quebec. (Quebec residents eligible for separate offer)


RBC Visa Infinite Avion

Apply Now
RBC Visa Infinite Avion
Annual Fee: $120
Additional Card Fee: $50

  • Get 15,000 Welcome Points upon Approval
  • Earn 25% more RBC Rewards points on travel related purchases
  • Book flights, hotel stays, cruises, vacation packages, car rentals with RBC Rewards site, powered by Orbitz
  • Transfer your RBC Rewards points towards other eligible loyalty programs (WestJet Rewards, British Airways Executive Club, American AAdvantage, Cathay Pacific Asia Miles. Look for the transfer bonuses to the airlines several times per year!)
  • Premium suite of insurances including trip cancellation3, trip interruption3, travel medical4, car rental insurance5
  • Redeem your points toward your credit card balance using Payback with Points2
  • Instantly save 3₵ per litre on fuel & earn 20% more Petro-Points§ and RBC Rewards points when you link your Petro-Points card to any RBC Card online.
  • Up to a 2.3% return on your spending depending on which reward ticket you book
  • Unwritten ability to redeem for Business Class tickets although at a lower rate of return when compared to the Avion Reward chart
Apply Now
RBC Avion Visa Platinum
  • RBC Avion Visa Platinum
    Ability to book flights with any airline with no blackout periods, extremely useful when there are no seat sales
  • Up to a 2.3% return on your spending depending on which reward ticket you book
  • Option to transfer RBC Rewards Points to WestJet Rewards, British Airways Executive Club, American AAdvantage, Cathay Pacific Asia Miles. Look for the transfer bonus to BA several times per year!
  • Unwritten ability to redeem for Business Class tickets although at a lower rate of return when compared to the Avion Reward chart
Ongoing
Airline Cards
Provider Offer Validity Date

American Express® Aeroplan®* Card
American Express® Aeroplan®* Card
Card Type: Charge Card   
Annual Fee: $120
Additional Card Fee: $120 for each Additional Aeroplan®* Card to share some of the benefits and earn Aeroplan points faster $0 for each Additional Aeroplan®* No Fee Card to earn points faster

  • New American Express® Aeroplan®* Cardmembers can earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass
  • Earn 9,000 Aeroplan points and a bonus Buddy Pass for an eligible round-trip flight within North America after spending $1,500 in purchases within the first three months of Cardmembership
  • Plus, you can also earn 1,000 Aeroplan points for each monthly billing period in which you spend $500 in purchases on your Card for the first six months of Cardmembership. That could add up to 6,000 Aeroplan points
  • With a bonus Buddy Pass, you can bring a friend anywhere Air Canada flies in North America. On the second ticket, you only pay the taxes and third-party charges
  • Earn 2x the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
  • Earn 1.5x the points on eligible Dining and Food Delivery purchases in Canada*
  • Earn 1x the points on everything else*
  • Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible net purchases charged to your Card
  • As an American Express Aeroplan Cardmember, you can often book flight rewards for even fewer points with preferred pricing
  • American Express® Experiences: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home
  • Enjoy an array of travel related insurance benefits such as Lost or Stolen Baggage Insurance and up to $500,000 in Travel Accident Insurance
  • 24/7 Customer Service and Emergency Card Replacement
  • As part of our commitment to sustainability, the American Express® Aeroplan®* Card has been created using 70% reclaimed plastic
  • No pre-set spending limit on purchases gives you flexibility. Using a charge card is a great way to manage your finances as the balance must be paid in full each month*
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply. 

Apply Now


American Express® Aeroplan®* Reserve Card
American Express® Aeroplan®* Reserve Card
Card Type: Credit   
Annual Fee: $599
Additional Card Fee: $199 for each Additional Aeroplan®* Reserve Card to share some of the benefits and earn Aeroplan points faster $0 for each Additional Aeroplan®* Reserve No Fee Card to earn points faster
Annual interest rate 19.99% on purchases and 21.99% on funds advances

  • New American Express® Aeroplan®* Reserve Cardmembers can earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit
  • Earn 35,000 Aeroplan points and a $100 Statement Credit after spending $3,000 in purchases within the first three months of Cardmembership
  • Plus, you can also earn 5,000 Aeroplan points for each monthly billing period in which you spend $1,000 in purchases on your Card for the first six months of Cardmembership. That could add up to 30,000 Aeroplan points
  • Earn 3x the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
  • Earn 2x the points on eligible Dining and Food Delivery purchases in Canada
  • Earn 1x the points on everything else
  • Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
  • Enjoy access to select Air Canada Maple Leaf LoungesTM* and Air Canada Cafes in North America, with a same day ticket on a departing Air Canada or Star Alliance flight
  • Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights
  • Roll over any unallocated Aeroplan EliteTM* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels
  • American Express® Experiences opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
  • Get more from your travel experience at Toronto Pearson International Airport with:
    • Access to Pearson Priority Security Lane
    • Complimentary valet service at the Express Park and Daily Park
    • 15% discount on parking rates at the Express Park and Daily Park
    • 15% discount on Car Care Services
  • Get access to more than 1,200 Priority Pass airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class
  • Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of
  • American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13g metal – it’s the perfect companion on your next exceptional journey
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply 

Apply Now


TD® Aeroplan® Visa Infinite* Card

Apply Now
TD® Aeroplan® Visa Infinite* Card

Annual Fee $139 Additional Cards: $752
Annual interest rate 19.99% on purchases and 22.99% on funds advances
$60,000 personal or $100,000 household annual income

Special Offer

Apply by January 17, 2021 and, if you are approved, earn a welcome bonus of 10,0001 points – plus earn an Air Canada Buddy Pass to bring anyone along to anywhere Air Canada flies in North America, including Hawaii and Mexico. ​

• Bring along a friend! As a new Cardholder, your Air Canada Buddy Pass can score you a second ticket when you book an economy ticket. On the second ticket, you only pay the taxes and third-party charges. You’ll receive the one-time use pass when you spend $1,000 within 90 days of Account opening, and you have a whole year to use it.1​ 

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card.1

• Plus, get an annual fee rebate for the primary and first additional cardholder for the first year.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.

Your Card also allows you to enjoy:

• Travelling lightly through the airport and saving on baggage fees3. Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight.
• Enroll for NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)4. Additional Cardholders can also take advantage of this NEXUS fee rebate.
• For a limited time, earn 1.5 bonus Aeroplan points for each $1 spent on eligible purchases at participating Starbucks® locations17. Conditions Apply. Offer ends November 7, 2021.
• Travel Medical Insurance10: Up to $1 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance11: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Flight/Trip Delay Insurance12: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance12: Up to $1,000 overall coverage per insured person toward the purchase of essentials, such as clothes and toiletries, if your baggage is delayed for over 6 hours or lost.
• Common Carrier Travel Accident Insurance13: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
• Hotel/Motel Burglary Insurance14: Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel room that belong to the Cardholder on the Account and eligible family members travelling with the Cardholder.
• Auto Rental Collision/Loss Damage Insurance15: Coverage for up to 48 consecutive days.
• Emergency Travel Assistance Services16: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.

Apply Now

This offer is not available for residents of Quebec. For Quebec residents, please click here.

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 and current information on any TD product, please click the Apply Now button.

Interest rates, fees and features are effective as of November 8, 2020, unless otherwise indicated, and are subject to change.

The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program.
1 Must apply by January 17, 2021. Welcome Bonus of 10,000 Aeroplan points will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Infinite* Card Account (“Account”) only after the first Purchase is made on the Account. For Residents outside of Quebec: To receive the bonus Buddy Pass (also known as the “Bonus Companion Pass”), you must make $1,000 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 90 days of Account opening. For Quebec Residents only: To receive the Buddy Pass, you must keep your Account open, active and in good standing for 90 days after Account opening. For all Accounts: 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 first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the 1st Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by January 18, 2021. Annual Fee 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. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Other conditions apply. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by one person, and the number of Welcome Bonus Aeroplan points and Buddy Passes awarded to any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus Aeroplan points and the Buddy Pass are awarded. Please allow up to 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus Aeroplan points and the Companion Pass to be credited to your Aeroplan Member account.

The Buddy Pass entitles a companion to accompany the Primary Cardholder for a $0 base fare, when a published Economy Class fare marketed and operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand is booked for travel wholly within North America. The pass is valid for 12 months from the date of issuance. The pass is valid towards a new booking only, and not valid on existing reservations. Bookings must be made directly with Air Canada, via aircanada.com, the Air Canada Mobile App, or through the Air Canada call center (“Air Canada Reservations”). Valid for one round-trip for a companion when travelling on the same itinerary and booked at the same time as Primary Cardholder. Maximum one companion pass may be used per booking. If one-way travel is booked, the pass will be deemed fully used and the return portion of travel is forfeited. Total pricing varies based on itinerary booked. Primary Cardholder may use the pass only once for travel wholly within North America, which is defined as Canada , the United States (including Hawaii) and Mexico. Companion will be responsible to pay all applicable taxes, fees, and charges that apply above the base fare. Valid for travel at any time with no blackout periods. Also valid against the purchase of fares on sale. Companion will be booked into same fare brand as Primary Cardholder and will receive all applicable benefits and services associated with that fare brand. The pass may not be used with premium cabin fares, or in conjunction with Aeroplan flight rewards, Flight Pass, group travel bookings, Air Canada Vacations bookings, or any other discounts or promotion codes. The pass must be redeemed at time of purchase of a ticket, and if multiple companion passes are available for the Aeroplan number, the pass that would expire first will be used. Booking must be made before the pass expiry date; travel may occur after the pass expiry date subject to flight schedule availability at the time of booking. The pass may only be used as described, cannot be transferred and has no monetary or exchange value. Changes or cancellations are allowed according to the fare rules of the fare purchased. Changes and cancellations must be made at the same time for both guests, and failure to do so may result in a forfeit of the companion pass. If during a change or cancellation the certificate is reinstated in the Primary Cardholders account, the original expiry date will take effect and the pass may then be considered expired. In the event of a change or cancellation, travellers are required to pay all applicable fees based on the fare type purchased for each ticket, plus the difference in fare, if applicable and all applicable taxes, fees, and charges that apply above the base fare. Companions who are members of the Aeroplan program or other partner frequent flyer programs will not be eligible to accumulate points or miles for the ticket issued in exchange for the companion pass. Aeroplan Elite Status benefits and upgrades are applicable if the traveller holds appropriate status and the fare purchased allows for such benefits and upgrades. Air Canada reserves the right to apply additional fees for bookings made via Air Canada Reservations. Unused passes will automatically be cancelled on the date the credit card is closed, regardless of reason for closure, or if the credit card account is changed to a different product. Terms and conditions of the air transportation services are subject to the General Conditions of Carriage & Tariffs and any other terms and conditions relating to air transportation services in effect at the time of booking, as determined by Air Canada in its sole discretion and as may be changed from time to time. This one-time Buddy Pass is only valid for eligible cardholders. You will not be eligible for the Buddy Pass if you have previously opened an Aeroplan Program credit card of the same type, regardless of the credit card issuer and have received the Welcome Bonus offer in the last 12 months. This offer may be changed, cancelled or extended at any time and cannot be combined with any other offers.

2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.

3 A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. More information on baggage restrictions: https://www.aircanada.com/ca/en/aco/home/plan/baggage.html.

4 The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS application fee regardless of NEXUS application approval. There is a maximum of four (4) NEXUS statement credits available when a qualifying NEXUS application fee is posted to the Account in any given 48-month period and the number of available NEXUS statement credits will be equal to the number of Cardholders on the Account when a qualifying NEXUS application fee is posted to your Account. The 48 month period starts when the first qualifying NEXUS application fee is posted to the Account. To be eligible for the statement credit, the Account must be in good standing at the time the NEXUS application fee is charged and posted on the Account. NEXUS means the expedited border control program offered jointly by the Canada Border Services Agency and the U.S. Customs and Border Protection. The terms of the NEXUS program are established by NEXUS. The Toronto-Dominion Bank and its affiliates are not responsible for the NEXUS program: https://www.cbsa-asfc.gc.ca/prog/nexus/term-eng.html

5 Purchase of Gas or Grocery or Air Canada Products means a Purchase of gas or gas station services or products or a Purchase of grocery or grocery items, including those at grocery locations, or a Purchase from Air Canada or of any of Air Canada’s products and services, each from a merchant classified through the Visa network with a merchant category code (MCC) that identifies the merchant in the “gas” or “grocery” or "Air Canada" category. Aeroplan points are earned on eligible purchases charged to the Account as follows:
• 1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Gas, Grocery or Air Canada Products (earned only on a maximum annual amount of $80,000 of Purchases of Gas, Grocery or Air Canada Products); or
• 1 Aeroplan point earned for each $1 on all other Purchases.

Please contact TD if you wish to confirm the MCC that applies to a particular merchant, or if the Purchase qualifies as a Purchase of Gas, Grocery or Air Canada Products. If you have earned Aeroplan points on the maximum annual amount of Purchases of Gas, Grocery or Air Canada Products charged to your Account (from January 1 to December 31) or if your Purchase does not qualify as a Purchase of Gas, Grocery or Air Canada Products, you will instead earn the standard rate of Aeroplan points that applies to all other Purchases charged to the Account as described above. The Bonus Rate is in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account.

6 The Toronto-Dominion Bank is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan number is provided. See your Aeroplan program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer

7 The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For Additional Cardholders’ ability to access available benefits, their Aeroplan number must be linked to a valid credit card account as verified by the bank. Please allow up to 72 hours after the credit card is approved, or the Aeroplan number of the Additional Cardholder is linked to the Additional Cardholder credit card, for these benefits to be activated. Aeroplan member accounts of the Primary Cardholder and Additional Cardholder(s) must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available upon account closure, regardless of reason for closure, or if the credit card product is changed. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions (https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html) and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time.

8 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 TD are responsible for any claims or damages arising from the 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.

9 You must be an eligible Visa Infinite Cardholder with a valid Canada-issued Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions (https://www.visainfinite.ca/infinite/en/terms.html), including third-party suppliers’ terms and conditions. The Visa Infinite privacy policy (https://www.visa.ca/en_CA/legal/global-privacy-notice.html) applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection use and disclosure of Cardholders’ personal information by third-party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

10 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 Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, then the optional Travel Medical Insurance that may be medically underwritten and is available for purchase to all TD customers, which you may be eligible to top up with. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you’re under 65 and 4-day coverage if you’re 65 or older.

11 Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, at least 75% of your trip cost must be paid for using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

12 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement.

13 Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or Aeroplan points. 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.

14 Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TDA112020. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant ®. Assurant® is a registered trademark of Assurant, Inc.

15 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated Aeroplan points, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver (CDW) coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them — it is important to call before booking your car rental to confirm their insurance requirements. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

16 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

17 Limited Time Promotional Offer: Applies to TD® Aeroplan® Visa Infinite* Credit Cards (the Account). Offer starts November 8, 2020 and ends November 7, 2021 (the Offer Period). The Offer Period will apply regardless of when your Account is activated. Account Cardholders will earn 1.5 Bonus Aeroplan points for each $1.00 in Purchases charged to the Account at participating Starbucks® locations (the "Starbucks Bonus Aeroplan Point"). All reloads on the Starbucks mobile app and in-store purchases at corporate-owned stores are eligible. In-store purchases at licensed stores are excluded from this offer. To learn if a Starbucks location is a participating location, go to https://www.google.com/maps/d/u/0/viewer?mid=1kVn3xlLOBDWsE4jzv1iKqkaA3BaENFpn&ll=52.55557866152866%2C-95.54508142903336&z=4. The Starbucks Bonus Aeroplan Point earned during the Offer Period is in place of, and not in addition to the base Aeroplan point earn rate for the Account. If the Purchase does not qualify for the Starbucks Bonus Aeroplan Point, you will earn the base earn rate of 1 Aeroplan point for each $1.00 in Purchase charged to the Account. Your Account must be in good standing to earn Aeroplan points. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan points earned on the original qualifying Purchase. Please allow up to 8 weeks after each statement period for the Starbucks Bonus Aeroplan Points to be credited to your Account. This Limited Time Promotional Offer will be in addition to any other offers available for your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified.


All trade-marks are the property of their respective owners.
See Air Canada and Aeroplan trade-mark ownership details. (https://www.tdcanadatrust.com/products-services/banking/credit-cards/view-all-cards/trademark-legal.jsp)
™ NEXUS Official mark and/or trademark of Her Majesty the Queen in Right of Canada, used under license.
* Trademark of Visa Int., used under license.
® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.
Annual interest rates, fees and features are subject to change.


WestJet RBC World Elite Mastercard
WestJet RBC World Elite Mastercard
Get 250 welcome WestJet dollars + for a limited time, earn an additional 200 WestJet dollars when you spend $5,000 in the first 3 months.
Annual $119/$399 Companion Flight when you sign up for and receive the WestJet RBC World Elite Mastercard.
- Earn 1.5% back in WestJet dollars on every purchase you make with your card
- Earn 2% back in WestJet dollars when you purchase WestJet flights or WestJet Vacations packages with your card
- Companion flight vouchers are an annual benefit.
- First bag free for the primary cardholder up to 8 people traveling on the same reservation to anywhere WestJet flies!
- Companion voucher details:
  • Travel to Canada and the Continental US for $119 CAD
  • Travel to the rest of the WestJet network for $399 CAD


Apply Now
Hotel Cards
Provider Offer Validity Date

Marriott Bonvoy™ American Express® Card
Marriott Bonvoy™ American Express® Card
Card Type: Credit   
Annual Fee: $120 Additional Card Fee: $0
Annual interest rate 19.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%

• New Marriott Bonvoy™* American Express® Cardmembers earn 50,000 Marriott Bonvoy™ points enough for 3 free nights at a Category 2 hotel after you charge $1,500 in purchases to your Card in your first three months of Cardmembership.* subject to change at any time
• Earn 5 points for every dollar in eligible Card purchases at participating Marriott Bonvoy™* properties
• Earn 2 points for every $1 in all other Card purchases
• Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
• No annual fee on Additional Cards
• Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels
• Automatic Marriott Bonvoy Silver Elite status membership
• Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy™ American Express&reg Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
• Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Apply Now


mbna Best Western Mastercard®
mbna Best Western Mastercard®

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

• Standard Annual Interest Rates of 19.99% on standard purchases, 22.99% on balance transfers✪ and access cheques, and 22.99% on cash advances
• No annual fee
• This offer is not available for residents of Quebec.  For residents of Quebec, please click here.


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Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and 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 MBNA credit card, please click on the Apply Now button.

✪ 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).

‡ These are highlights of the credit card rewards program (the “Program”) associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, accrual and redemption of points, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. Accumulated points can only be redeemed in accordance with the Best Western Rewards Program. The Toronto-Dominion Bank has no liability or responsibility for any aspect of the Best Western Rewards Program. Please visit www.bestwestern.com/bwrterms, call Best Western at 1-800-237-8483 or contact Best Western by mail at P.O. Box 42007, Phoenix, AZ, 85080-2207 for complete Best Western Rewards® Program terms and conditions.

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. The account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8–10 weeks from the transaction date for bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account. This promotion is offered by Best Western and may be amended or cancelled at any time without notice. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.
Each Best Western® branded hotel is independently owned and operated. Best Western and the Best Western marks are service marks or registered service marks of Best Western International, Inc.

Cash Back Cards
Provider Offer Validity Date

SimplyCash™ Preferred Card from American Express
SimplyCash™ Preferred Card from American Express
Card Type: Credit   
Annual Fee: $99 Additional Card Fee: $0
Annual interest rate 19.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%

New SimplyCash™ Preferred Card from American Express Cardmembers can earn 10% cash back on all eligible purchases (up to $400 cash back) for the first 4 months of Cardmembership 
• Earn 2.0% cash back when your Welcome Rate ends
• No limit to the amount of cash back you can earn after your Welcome Rate ends
• Access to memorable experiences with American Express Invites®
• Extensive insurance coverage and 24/7 Customer Service
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

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BMO CashBack® World Elite®* MasterCard®*
BMO CashBack® World Elite®* MasterCard®*
· Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
· Earn 1.5% CashBack on ALL card purchases* - no caps, no category limits!
· Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
· Complimentary Roadside Assistance Program*
· Complimentary membership in Mastercard Airport Experiences provided by LoungeKey.
· Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
· BMO CashBack World Elite Travel and Medical Protection*
· Extended Warranty Plus*
· Purchase Protection Plus*
· BMO Concierge Service*
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
· Interest Rate: Purchases 19.99% Cash Advances 22.99%
· $120 annual fee


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BMO CashBack® MasterCard®*
BMO CashBack® MasterCard®*
· Welcome offer: Get 5% cash back in your first 3 months (up to $100 cash back) and a 1.99% introductory interest rate on Balance Transfers for 9 months*. 1% fee applies to balance amounts transferred*
· Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
· No Annual fee*
· Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account*
· Receive a discount on car rentals*
· Extended Warranty*
· Purchase Protection*
· Interest Rate: Purchases 19.99% Cash Advances 22.99%


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Desjardins Cash Back World Elite®Mastercard®

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Desjardins Cash Back World Elite®Mastercard®

Annual Fee $100 Additional Cards: $0 for members ($30 for non-members)
Annual interest rate 19.9% on purchases and cash advances
$80,000 personal or $150,000 household annual income

• 4% cash back on eligible grocery purchases
• 3% cash back on eligible restaurant, entertainment and public transportation purchases
• 1% cash back on all other purchases
• Membership in Mastercard Airport Experiences provided by LoungeKey
• Travel Medical Insurance: Up to $5 million of coverage for the first 3 days
• Mobile Device Insurance: Up to $1,000
• Auto Rental Collision/Loss Damage Insurance: Coverage for up to 48 consecutive days.
• Stay connected with free access to over 1 million Boingo Wi-Fi hotspots worldwide.

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Scotia Momentum® VISA* card

• 2% on eligible gas station, grocery store and drug store purchases and recurring bills. Apply Online
• Get an introductory 3.99% on Balance transfers for the first six months. Plus, $39 first year annual fee waiver.
• 1% cash back on all other eligible purchases
• Purchase security and extended warranty protection
• 20% AVIS rental card discount
• 1.99% interest rate on cash advances and balance transfers for the first six months

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Ongoing
Scotiabank® GM®* VISA* Infinite Card

Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter. Apply Online
Pay no $79 annual fee for the first year
$1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
Earnings do not expire
No earning or redemption caps
Travel with peace of mind with VISA Infinite benefits, including Travel Medical Insurance, Rental Car Insurance, Trip Interruption Insurance, and more
Purchase Security and Extended Warranty

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Until Feb 28, 19
Scotiabank® GM®* VISA* Card
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter. Apply online
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • Earnings do not expire
  • No earning or redemption caps
    Apply online
Ongoing

Shell CashBack World MasterCard® from BMO
3% CashBack on every dollar you spend at Shell locations in Canada*
- 1.25% CashBack on every dollar you spend on purchases everywhere else MasterCard is accepted*
- Save 3¢ per litre at Shell until October 31, 2019. Use your Shell CashBack World Credit Card and AIR MILES Collector Card when fueling up at Shell.*
- FREE Roadside Assistance ($69/year value)*
- Interest Rate: Purchases 19.99% Cash Advances 22.99%
- Annual Fee: $79

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Limited Time

Shell CashBack MasterCard from BMO
Get $50 CashBack Rewards!*
- PLUS earn 1% cash back for the first 6 months*
- 1.5% CashBack on every dollar you spend at Shell locations in Canada*
- 0.5% CashBack on every dollar you spend on purchases everywhere else MasterCard is accepted*
- Save 3¢ per litre at Shell until October 31, 2019. Use your Shell CashBack Credit Card and AIR MILES Collector Card when fueling up at Shell.* - No Annual Fee*
- Get $50 CashBack Rewards!*
- Interest Rate: Purchases 19.99% Cash Advances 22.99%


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Limited Time

TD Cash Back Visa Infinite* Card
TD Cash Back Visa Infinite* Card
No Annual Fee for the 1st Year1 during this promotional window then $120 Additional Cards: $0 for subsequent Additional Cardholders then $502
Annual interest rate 20.99% on purchases and 22.99% on funds advances
$60,000 personal or $100,000 household annual income

• Earn 10% Cash Back on all Purchases for the first 3 months1 up to a total spend of $2,000. Plus, first year no Annual Fee for the Primary Cardholder and Additional Cardholders2. Conditions apply. Must apply by December 6, 2020. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
• This offer is not available for residents of Quebec. For Quebec residents, please click here.
• Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases3, and on regularly recurring bill payments4 set up on your Account
• Earn 1% in Cash Back Dollars on all other Purchases made with your Card5
• Redeem your Cash Back Dollars to help pay down your Account balance whenever you please (minimum amount of $25) - the choice is yours!6
• Your Cash Back Dollars never expire as long as your account is open and in good standing.
• Emergency Road Services with the Deluxe TD Auto Club Membership7
• Travel with confidence with Travel Medical Insurance8
• Complimentary Visa Infinite® Concierge service9 available 24/7

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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 and current information on any TD product, please click the Apply Now button.

1 Welcome Bonus: Must apply December 6, 2020. Welcome Bonus of 10% in Cash Back Dollars ("Welcome Bonus Rebate") applies to new TD Cash Back Visa Infinite* Accounts ("Account") 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 TD Cash Back Credit Card Account ("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 first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the 1st Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by December 7, 2020. Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. 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 customers who have activated and/or closed a TD Cash Back Visa Infinite* 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.

Student Cards
Provider Offer Validity Date

Scotia SCENE Visa Card
Scotia SCENE Visa Card
• Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊
• Earn 1 SCENE point for every $1 you spend on credit card purchases
• Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
• Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.

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