Black Friday saving continues 🥳

Get the biggest bargains of Cyber weekend

Best* medical credit cards

Give yourself some time to pay off medical bills with a low-interest rate credit card.

Posted

Fact checked
Receiving medical bills after undergoing procedures can feel overwhelming, especially if universal health care and private insurance won’t cover the full expense. A credit card can help offset your costs and give you some extra time to pay your bill.

Are medical credit cards offered in Canada?

In the United States, some credit card providers offer cards designed specifically to cover medical costs. These medical credit cards work a lot like regular credit cards, but you can only use them for certain products and services.

As of the time of writing, there are no medical credit cards offered in Canada. But there are a number of low-interest card options that can help ease the burden of covering your medical expenses by offering convenient repayment terms and good promotional offers.

*Disclaimer: How we chose the best credit cards to cover medical expenses

We’ve chosen the cards on this page based on the providers available through Finder. These cards are not representative of the entire market. We’ve narrowed down our top picks by considering the interest rates on offer for purchases, cash advances and balance transfers, as well as the annual fees, introductory offers and additional card benefits.

No single low rate credit card will be the best choice for everyone, so compare your options before picking your new card.

Best for low APR with no annual fee: No-Fee Scotiabank Value Visa Card

No-Fee Scotiabank Value Visa Card

Go to site

With the No-Fee Scotiabank Value Visa Card, you’ll get a $0 annual fee and a lower-than-average interest rate of 16.99% on your everyday purchases. Get a discount of up to 25% at participating Budget and AVIS car rental locations in Canada and the US.

While you won’t get any special rewards or an extensive suite of travel benefits, you can get a special signup offer. Get a 3.99% introductory interest rate on balance transfers with a 0% balance transfer fee for the first 6 months. Apply by February 28, 2021. Afterwards, a standard balance transfer rate of 16.99% applies.

Runner-up for low APR: BMO Preferred Rate Mastercard

BMO Preferred Rate Mastercard

Go to site

The BMO Preferred Rate Mastercard is a simple, no-frills credit card with a low interest rate of 12.99% for purchases and 12.99% for cash advances. You won’t earn any rewards points or cash back, but this card’s low rate can help you save money and pay down your balance faster.

Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year. Plus, cardholders will get free Purchase Protection, Extended Warranty coverage and Zero Liability protection.
Please note: All information about TD Emerald Flex Rate Visa Card has been collected independently by Finder and this card is not available through this site.

Best for those with good credit: TD Emerald Flex Rate Visa Card

TD Emerald Flex Rate Visa Card

The TD Emerald Flex Rate Visa Card is a unique credit card that offers a flexible and low APR that based on your own personal credit profile. With a higher credit score, you’ll likely be offered a lower APR, while a lower credit score will result in a higher APR. Interest rates are calculated by using the TD Prime¹ + 4.5% up to TD Prime + 12.75%.

Although this card can help you save money if you don’t pay off your balance in full each month, you won’t earn any rewards points or cash back.

Best for balance transfer offer: Scotiabank Value Visa Card

Scotiabank Value Visa Card

Go to site

With no cash back or rewards points, the Scotiabank Value Visa Card doesn’t come with a lot of extra perks. But it can be a great tool for saving money. Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers.

Best for rewards on everyday purchases: Scotia Momentum Mastercard

Scotia Momentum Mastercard

Go to site

The Scotia Momentum Mastercard doesn’t come with loads of perks, but it does boast a $0 annual fee and the chance to earn cash back rewards on your purchases. Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.

Enjoy peace of mind with Mastercard Zero Liability Protection, which protects you in the event your card is used fraudulently. Plus, rack up cash back rewards faster by getting an additional card with a $0 annual fee for a friend or family member. Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by February 28, 2021.

How to choose the best medical credit cards

If you decide to use a medical credit card instead of a standard credit card for your health and wellness needs, here’s what to keep an eye on:

  • Length of low-interest promotional period.
    Many cards advertise a low-interest promotional period where you have a certain number of months to pay off your balance with minimal interest before the regular interest rate kicks in. Pay attention to the revert interest rate of any card offering such a deal. If you can’t pay off the entire balance before the promotional period ends, you could be stuck with high fees.

    Should I use a credit card to pay for my medical bills?

    Credit cards can be helpful financial tools when you’re hit with big bills but don’t have the cash to pay it off right away. Here are the main advantages of using a credit card to cover medical expenses:

    • Quick access to medical care. You won’t have to gather funds right away to foot the bill for elective or mandatory procedures. Having more time to pay might enable you to get the treatments you need sooner rather than later.
    • Possible low-interest period. Some credit cards offer low intro APR promotions — a set period of time during which interest is deferred. Since most regular credit cards accumulate monthly interest, this could be a handy financial grace period so long as you’re able to pay in full before time is up.
    • Consolidating your medical expenses. If you like the idea of keeping all your medical expenses in one place, a credit card may be appealing, because you’ll see all your charges on a single statement. This could come in handy when you need a clear record of each specific charge for insurance purposes, budgeting, applying for government assistance or qualifying for medical tax credits.
    • Peace of mind. Even if you do have extra crash, using it to fund a big medical bill could put a strain on your immediate, day-to-day finances. Sometimes, the peace of mind that comes with buying a little extra time can help take the pressure off during the weeks and months that follow intensive medical treatment.

    What to watch out for when using a medical card

    As you can image, credit cards aren’t a no-strings-attached solution to medical debt. Before committing, consider these drawbacks:

    • It could damage your credit score. If your financial health is a fragile to begin with — that is, you have large amounts of debt and other credit cards with outstanding bills — opening up a medical credit card could ding your credit score. This could make it harder to get approved for car financing or a mortgage in the near future.
    • Variable interest rate credit cards can make planning difficult. Some low-interest credit cards have a variable interest rate, which means it could change over time based on the Bank of Canada’s prime rate. This might be a roadblock for people on a tight budget, or with limited financial wiggle room.
    • Deferred interest could cause financial hardship down the line. Even if a credit card has an interest-free period upfront, you could be faced with a large portion of accumulated interest if you haven’t paid the balance by the end of that period. And this is on top of the medical bills you already owe.
    • Most don’t come with perks or rewards. While you could potentially earn miles, points and cash back by paying for medical bills with a regular credit card, the least expensive credit cards usually don’t come with many perks or rewards.

    Compare credit cards for medical bills

    Check out the tables below to compare your many credit cards options. View cards based on balance transfer offers, cash back, no annual fees and more.

    Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
    American Express Cobalt Card
    19.99%
    21.99%
    $120
    N/A
    Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
    In your first year as a new Cobalt Cardmember, earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 on your card (for a total of 30,000 points in a year). Plus, earn a total of 10x the points for every $1 spent on eligible purchases made at Amazon.ca (up to $500) in your first 3 months of Cardmembership (apply by January 13, 2021 to enjoy this perk).
    BMO World Elite Mastercard
    19.99%
    22.99%
    $0 annual fee for the first year ($150 thereafter)
    $80,000
    Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
    Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
    American Express Aeroplan Card
    30% annual interest rate applies to balances not paid in full each month
    N/A
    $120
    N/A
    Earn 2x the points on eligible purchases made directly with Air Canada and Air Canada vacations, 1.5x the points on eligible dining and food delivery purchases and 1x the points on everything else.
    Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.
    SimplyCash Preferred Card from American Express
    19.99%
    21.99%
    $99
    N/A
    Earn 2% cash back on all eligible purchases
    Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
    BMO Preferred Rate Mastercard
    12.99%
    12.99%
    $20
    $15,000
    Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
    Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
    Tangerine Money-Back Credit Card
    1.95% intro APR for the first , 19.95% thereafter
    19.95%
    $0
    $12,000
    Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    BMO eclipse Visa Infinite
    20.99%
    23.99%
    $0 annual fee for the first year ($120 thereafter)
    $60,000
    Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit.
    Get up to 40,000 points and the $120 annual fee waived in the first year. Earn 25,000 points after you spend $3,000 in the first 3 months and get 15,000 points on your first anniversary.
    American Express Aeroplan Reserve Card
    19.99%
    21.99%
    $599
    N/A
    Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1x the points on everything else.
    Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember.
    American Express Business Edge Card
    19.99%
    21.99%
    $99
    N/A
    Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
    Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
    American Express AIR MILES Platinum Credit Card
    20.99%
    21.99%
    $120
    N/A
    Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
    Earn a Welcome Bonus of 3,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
    loading

    Compare up to 4 providers

    Name Product Purchase Interest Rate Balance Transfer Rate Balance Transfer Fee Annual Fee Minimum Income Reward Description
    BMO Preferred Rate Mastercard
    12.99%
    3.99% for the first 9 months (then 12.99%)
    1%
    $20
    $15,000
    Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
    Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
    Tangerine Money-Back Credit Card
    1.95% intro APR for the first , 19.95% thereafter
    1.95% for the first 6 months (then 19.95%)
    3%
    $0
    $12,000
    Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    No-Fee Scotiabank Value Visa Card
    16.99%
    3.99% for the first 6 months (then 16.99%)
    N/A
    $0
    $12,000
    Save with a low interest rate, no annual fee and a balance transfer offer.
    Get a 3.99% introductory interest rate on balance transfers with a 0% balance transfer fee for the first 6 months. Apply by February 28, 2021.
    BMO Rewards Mastercard
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations.
    Get a bonus of 15,000 BMO Rewards points. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO AIR MILES Mastercard
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020. Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO CashBack Mastercard
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    BMO AIR MILES Mastercard For Students
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020. Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
    BMO CashBack Mastercard For Students
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
    Scotiabank Value Visa Card
    12.99%
    0.99% for the first 6 months (then 12.99%)
    N/A
    $29
    $12,000
    Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers.
    Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by February 28, 2021.
    Scotia Momentum Visa Card
    19.99%
    2.99% for the first 6 months (then 22.99%)
    N/A
    $39
    $12,000
    Earn 2% cash back on all eligible gas station, grocery store and drug store purchases and on recurring bill payments (up to a $25,000 annual spend), and earn 1% cash back on all other eligible purchases (and on all eligible purchases once the $25,000 annual spend is reached).
    Get a 2.99% introductory rate on balance transfers and a 0% balance transfer fee for the first 6 months. Apply by February 28, 2021.
    loading

    Compare up to 4 providers

    Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
    American Express Cobalt Card
    19.99%
    21.99%
    $120
    N/A
    Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
    In your first year as a new Cobalt Cardmember, earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 on your card (for a total of 30,000 points in a year). Plus, earn a total of 10x the points for every $1 spent on eligible purchases made at Amazon.ca (up to $500) in your first 3 months of Cardmembership (apply by January 13, 2021 to enjoy this perk).
    American Express Aeroplan Card
    30% annual interest rate applies to balances not paid in full each month
    N/A
    $120
    N/A
    Earn 2x the points on eligible purchases made directly with Air Canada and Air Canada vacations, 1.5x the points on eligible dining and food delivery purchases and 1x the points on everything else.
    Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.
    BMO AIR MILES World Elite Mastercard
    19.99%
    22.99%
    $0 annual fee for the first year ($120 thereafter)
    $80,000
    Get 1 AIR MILE for every $10 spent on eligible purchases and get 5x the Miles at Shell until December 31, 2020.
    Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year. Get 5x the Miles at Shell until December 31, 2020.
    American Express AIR MILES Platinum Credit Card
    20.99%
    21.99%
    $120
    N/A
    Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
    Earn a Welcome Bonus of 3,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
    Marriott Bonvoy American Express Card
    19.99%
    21.99%
    $120
    N/A
    Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties and 2 points on all other spend. Terms apply
    Receive 50,000 bonus Marriott Bonvoy™ points when you charge $1,500 in the first three months of card membership. Terms apply
    BMO eclipse Visa Infinite
    20.99%
    23.99%
    $0 annual fee for the first year ($120 thereafter)
    $60,000
    Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit.
    Get up to 40,000 points and the $120 annual fee waived in the first year. Earn 25,000 points after you spend $3,000 in the first 3 months and get 15,000 points on your first anniversary.
    BMO World Elite Mastercard
    19.99%
    22.99%
    $0 annual fee for the first year ($150 thereafter)
    $80,000
    Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
    Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
    American Express Business Edge Card
    19.99%
    21.99%
    $99
    N/A
    Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
    Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
    Shell AIR MILES Mastercard from BMO
    19.99%
    22.99%
    $0
    $15,000
    Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
    HSBC +Rewards™ Mastercard®
    11.9%
    11.9%
    $0 annual fee for the first year ($25 thereafter)
    N/A
    Earn 2 Points for every $1 spent on eligible dining or entertainment purchases.
    Earn 20,000 Points ($100 travel value) plus a full annual fee rebate for the Primary Cardholder for the first year ($25 value). Apply by December 28, 2020. Conditions Apply. This offer is only available to residents of Canada other than the province of Quebec. (Quebec residents eligible for separate offer).
    loading

    Compare up to 4 providers

    Name Product Purchase Interest Rate Cash Advance Rate Cash Back Rate Annual Fee Minimum Income Reward
    SimplyCash Preferred Card from American Express
    19.99%
    21.99%
    2%
    $99
    N/A
    Earn 2% cash back on all eligible purchases
    Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
    Tangerine Money-Back Credit Card
    1.95% intro APR for the first , 19.95% thereafter
    19.95%
    2%
    $0
    $12,000
    Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    BMO CashBack World Elite Mastercard
    19.99%
    22.99%
    1.5%
    $0 annual fee for the first year ($120 thereafter)
    $80,000
    Earn 1.5% cash back on all eligible purchases.
    Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.
    Shell CashBack Mastercard from BMO
    19.99%
    22.99%
    1.5%
    $0
    $15,000
    Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
    Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.
    BMO Cashback Business Mastercard
    19.99%
    22.99%
    1.75%
    $0
    N/A
    Earn 1.5% cash back on eligible gas purchases, office supplies and on cell phone and internet recurring payments, earn 1.75% cash back at participating Shell stations, and earn 0.75% on all other eligible card purchases.
    Get 10% cash back on gas, office supplies, cell phone bills and internet bills for 3 months.
    BMO CashBack Mastercard
    19.99%
    22.99%
    0.5%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    BMO CashBack Mastercard For Students
    19.99%
    22.99%
    0.5%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
    Shell CashBack World Mastercard from BMO
    19.99%
    22.99%
    3%
    $79
    $60,000
    Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend.
    Earn 3% cash back at Shell stations in Canada, plus 1.25% cash back on all other spend.
    Scotia Momentum No-Fee Visa Card
    7.99% intro APR for the first 6 months, 19.99% thereafter
    22.99%
    1%
    $0
    $12,000
    Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.
    Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by February 28, 2021.
    Scotia Momentum Mastercard
    7.99% intro APR for the first 6 months, 19.99% thereafter
    22.99%
    1%
    $0
    $12,000
    Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.
    Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by February 28, 2021.
    loading

    Compare up to 4 providers

    Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
    BMO CashBack Mastercard
    19.99%
    22.99%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    Tangerine Money-Back Credit Card
    1.95% intro APR for the first , 19.95% thereafter
    19.95%
    $0
    $12,000
    Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    No-Fee Scotiabank Value Visa Card
    16.99%
    16.99%
    $0
    $12,000
    Save with a low interest rate, no annual fee and a balance transfer offer.
    Get a 3.99% introductory interest rate on balance transfers with a 0% balance transfer fee for the first 6 months. Apply by February 28, 2021.
    Shell AIR MILES Mastercard from BMO
    19.99%
    22.99%
    $0
    $15,000
    Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
    Shell CashBack Mastercard from BMO
    19.99%
    22.99%
    $0
    $15,000
    Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
    Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.
    BMO Rewards Mastercard
    19.99%
    22.99%
    $0
    $15,000
    Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations.
    Get a bonus of 15,000 BMO Rewards points. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO IGA AIR MILES Mastercard
    19.99%
    22.99%
    $0
    $15,000
    Get 3x the AIR MILES for every $25 spent on eligible purchases at IGA stores and at participating AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
    BMO AIR MILES Mastercard
    19.99%
    22.99%
    $0
    $15,000
    Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020. Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO AIR MILES Mastercard For Students
    19.99%
    22.99%
    $0
    $15,000
    Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020. Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
    BMO CashBack Mastercard For Students
    19.99%
    22.99%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
    loading

    Compare up to 4 providers

    Name Product Required Deposit Purchase Interest Rate Cash Advance Rate Annual Fee Reward
    Refresh Financial Secured Card
    $200 - $10,000
    17.99%
    N/A
    $12.95
    The Refresh Secured Card has no credit check, a low annual fee and guaranteed approval once you secure your card with anywhere from $200 - $10,000.
    Take advantage of a low annual fee, with no credit check and guaranteed approval once you secure your card with some funds.
    loading