- Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible purchases in those categories thereafter – in both cases, these earn rates apply until $10,000 is spent annually in the applicable category. 1 point‡ for every $1 spent on all other eligible purchases
- 5,000 bonus points†† ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening
- 5,000 bonus points††($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
- Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points
- Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
- Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and 24.99% on cash advances
- Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown
- No annual fee
- 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.
‡, ††, ✪, ***, Terms and Conditions apply.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
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.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.
| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 19.99% | 22.99% | 24.99% |
|---|
- Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible purchases in those categories thereafter – in both cases, these earn rates apply until $10,000 is spent annually in the applicable category. 1 point‡ for every $1 spent on all other eligible purchases
- 5,000 bonus points†† ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening
- 5,000 bonus points††($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
- Full credit card details
- Earn 2% Money-Back Rewards on your everyday purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all your other everyday purchases.
- No annual fee
- Money-Back Rewards are earned automatically on everyday purchases and paid monthly. These can be applied to your Credit Card balance or redeemed into your Savings Account.
- Get your Rewards deposited into your Tangerine Savings Account and get a 3rd 2% Money-Back Category.
- No limit on the amount of Money-Back Rewards you can earn on your everyday purchases
| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 20.95% | 1.95% for 6 statement periods | 22.95% |
|---|
- Earn 2% Money-Back Rewards on your everyday purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all your other everyday purchases.
- No annual fee
- Money-Back Rewards are earned automatically on everyday purchases and paid monthly. These can be applied to your Credit Card balance or redeemed into your Savings Account.
- Full credit card details
- Welcome offer: Get up to 25,000 bonus points by your first anniversary!* Get 20,000 points when you spend $1,500 - that's a $133 value in your first 3 months!* Plus, earn up to 5,000 bonus points: - 2,500 points for setting up your digital wallet and 2,500 points for setting up pre-authorized payments in the first 3 months.*
- Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
- Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout.* Then get 1 point for every $2 spent on everything else!*
- Mobile Device Insurance that covers you for up to $1,000*
- Pay with Points by browsing your recent transactions & redeem your points for as little as $1
- Purchase Protection*
- Extended Warranty*
- 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
| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 21.99% | 23.99% (21.99% for Quebec residents) | 23.99% (21.99% for Quebec residents) |
|---|
- Welcome offer: Get up to 25,000 bonus points by your first anniversary!* Get 20,000 points when you spend $1,500 - that's a $133 value in your first 3 months!* Plus, earn up to 5,000 bonus points: - 2,500 points for setting up your digital wallet and 2,500 points for setting up pre-authorized payments in the first 3 months.*
- Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
- Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout.* Then get 1 point for every $2 spent on everything else!*
- Full credit card details
- Accelerate cash back on common purchases!
- No annual fee
- Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
- Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
- Get 0.5% Cash Back‡ for all other eligible purchases
- Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪, and 24.99% on cash advances
- Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for the Smart Cash® credit card.
‡, ††, ✪, Terms and Conditions apply.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
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.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.
| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 19.99% | 22.99% | 24.99% |
|---|
- Accelerate cash back on common purchases!
- No annual fee
- Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
- Full credit card details
- No annual fee
- Standard Annual Interest Rates of 12.99% on eligible purchases, 17.99% on balance transfers✪, and 24.99% on cash advances
- You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee.
- This card is made from 100% recycled plastic
- Around-the-clock fraud protection
- Use available credit on your credit card to transfer funds right to your chequing account.
- 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.
†, ✪, Terms and Conditions apply.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
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.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.
| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 12.99% | 0% for 12 months | 24.99% |
|---|
- No annual fee
- Standard Annual Interest Rates of 12.99% on eligible purchases, 17.99% on balance transfers✪, and 24.99% on cash advances
- You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee.
- Full credit card details
- The ideal way to travel and shop – or buy online – from U.S. retailers
- Shop with no exchange rate surprises.
- Fee Rebate offer: Spend just $3,000 USD in one year on your card, and the annual fee for the following year is on us*
- Extended Warranty*
- Purchase Protection*
- BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
- *Terms and conditions apply
| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $49 USD | 21.99% | 23.99% (21.99% for Quebec residents) | 23.99% (21.99% for Quebec residents) |
|---|
- The ideal way to travel and shop – or buy online – from U.S. retailers
- Shop with no exchange rate surprises.
- Fee Rebate offer: Spend just $3,000 USD in one year on your card, and the annual fee for the following year is on us*
- Full credit card details
- 1% on restaurant transactions and recurring automatic transfers 0.5% on all other eligible purchases
- Protection for your mobile phone: Your new mobile devices, purchased with your card, or phone subscriptions paid for with your card or by automatic transfers from your mycredit account are protected against theft or damages for a period of up to 2 years
- National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index1.
Credit terms
Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.
Example of credit charges over a 30-day period
| Annual interest rate | Average balance | |
| $500 | $3,000 | |
| 22.49% | $9.24 | $55.45 |
| 20.99% | $8.63 | $51.76 |
| 12.90% | $5.30 | $31.81 |
| 8.9% | $3.66 | $21.95 |
*Variable interest rate in effect on September 1, 2021
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
Cashback details
Subject to credit approval by National Bank of Canada. The cashback granted is 1% on restaurant purchases and on recurring pre-authorized payments when you use recurring automatic transfers with your mycredit account. The cashback of 0.5% applies to all other eligible purchases during a billing cycle. The account must be in good standing when the cashback is awarded. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). These eligible automatic transfers are defined as regular payments that are automatically withdrawn by a merchant on your credit card. Balance transfers, cash advances and fees resulting from the use of the card are excluded from the cashback calculation. For conditions and restrictions that apply to cashback rewards, refer to the Cashback Program [PDF].
Mobile device protection
Subject to the mobile device’s purchase with the card or mobile plan settled by recurring pre-authorized payments from your mycredit account.
| Annual Fee | Purchase APR | Balance Transfer APR | Cash Advance APR | $0 | 20.99% | 22.49% | 22.49% |
|---|
- 1% on restaurant transactions and recurring automatic transfers 0.5% on all other eligible purchases
- Protection for your mobile phone: Your new mobile devices, purchased with your card, or phone subscriptions paid for with your card or by automatic transfers from your mycredit account are protected against theft or damages for a period of up to 2 years
- National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index1.
- Full credit card details