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Compare Meridian credit cards

Earn travel rewards or cash back on your everyday purchases with this trusted Canadian credit union.

Please note: All information about Meridian has been collected independently by Finder and products from Meridian are not available through this site.

Whether you’re booking a family vacation to Hawaii or earning cashback to pay off your outstanding credit card balance, chances are that Meridian has the right card for you. Check out our recommendations for Meridian’s best travel, cashback and US currency cards below.

Best Meridian credit cards

Meridian offers three main types of cards to customers: travel, cashback and US currency. Visa is the only type of card on offer, so you might need to look elsewhere if you’re in the market for a MasterCard or American Express.

Best for cash back rewards: Meridian Visa Infinite Cash Back

19.5%
Purchase Interest Rate
$99
Annual Fee
N/A
Min. Recommended Credit Score
The Visa Infinite Cash Back Card lets you earn 4% cashback on gas and groceries, 2% on pharmacies and utility bills and 1% on everything else In the world of credit cards, this is a high return, which is why this card outcompetes both of Meridian's "lower fee = lower points" options, including the Visa Cashback and Platinum Visa Cashback cards.

You'll have to pay a relatively large fee after the first year to keep your card, but the good news is you should be able to pay it down quickly with the money you save. For example, you can pocket as much as $40 on every $1,000 you spend so, in theory, it should only take 2-3 months to pay off the fee at this rate. Then, you get to keep the rest of the savings for yourself.

This card also comes with Visa Infinite Benefits, Apple Pay, a generous welcome offer and no annual fee for the first year.
Annual Fee $99
Additional Cardholder Fee $30
Min. Credit Score N/A
Purchase Interest Rate 19.5%
Cash Advance Rate 21.99%
Interest Free Period up to 25 days
Foreign Transaction Fee 2.5%
Pros
    • High return.You can earn up to $40 on every $1,000 in purchases
    • Visa Infinite Benefits. Get access to special events and exclusive offers with Visa.
    What to watch out for
      • Annual fee. You'll need to pay a $99 annual fee after your first year.
      • Lower rate on some purchases. The return on non-essential items is capped at
      • High minimum annual income. Your annual personal income will need to be at least $60,000 to qualify (or $100,000 household income).

      Best for travel points: Meridian Visa Platinum Travel Rewards Card

      19.5%
      Purchase Interest Rate
      $49
      Annual Fee
      N/A
      Min. Recommended Credit Score
      If you're planning your next trip overseas and you want to lock in discounts on flights, hotels and more, then the Meridian Visa Platinum could be the right card for you. Earn one point for every dollar you spend in Canada and two points for every dollar spent in foreign currencies when you sign up today.

      This card has a lower fee than the Meridian Visa Infinite Travel Rewards Card with most of the same benefits. These include price protection, extended warranty coverage, mobile device insurance and fraud protection. Unlike many travel cards, the Visa Platinum doesn't offer emergency travel medical insurance.

      One of the main perks of this card is that you don't need a minimum income to qualify, but you also earn less points than you would with a Visa Infinite Card.
      Annual Fee $49
      Additional Cardholder Fee $0
      Min. Credit Score N/A
      Purchase Interest Rate 19.5%
      Cash Advance Rate 21.99%
      Interest Free Period up to 25 days
      Foreign Transaction Fee 2.5%
      Pros
        • 2x the points overseas. Earn double the points when you make purchases in a foreign currency
        • Comprehensive benefits. Take advantage of purchase protection and mobile phone insurance, among other types of coverage.
        • Reasonable annual fee. The fee for this card is $49 after your first year. That's around half of the fee for the Visa Infinite card.
        • No minimum income. You won't need to earn a certain amount each year to qualify.
        What to watch out for
          • Less points. If you opt for the Platinum card, you’ll only earn one point per dollar spent, unless you’re traveling or making purchases overseas
          • No travel medical coverage. You'll need to arrange another form of travel insurance to protect yourself on short trips.
          • Regional exclusions. This card isn't available to residents of Quebec.

          Best for US Currency: Meridian Visa US Dollar Card

          19.5%
          Purchase Interest Rate
          $65
          Annual Fee
          N/A
          Min. Recommended Credit Score
          If you regularly do business in the US or make frequent purchases south of the border, the Meridian Visa US Dollar Card could save you a hefty sum in foreign exchange rates. This card eliminates transaction fees on purchases made in the United States and other countries that use the US dollar as their official currency.

          To put this into context: the bank typically charges around 2.5% in foreign exchange fees, which means you'll end up paying an extra $25 every time you spend $1,000. If you spend $3,000 per month on purchases in the US, then you could stand to save around $75 every month, or $900 annually, by shopping with this card.

          You'll need to fork over some cash for the $65 USD annual fee after your first year, but you'll also earn one reward point for every dollar spent. This means, in addition to saving money on foreign exchange rates, you'll earn points to put towards travel, cashback or other rewards.
          Annual Fee $65
          Additional Cardholder Fee $30
          Min. Credit Score N/A
          Purchase Interest Rate 19.5%
          Cash Advance Rate 21.99%
          Interest Free Period up to 25 days
          Foreign Transaction Fee 2.5%
          Pros
            • Save on US foreign exchange. [nb:value niche_code="CACCF" record_type="PRODUCT" record_id="9ffe1533-7780-401d-ad70-21eebebcdb9f" field="GENERAL.TABLE_DESCRIPTION" decorator="GLOBAL.VALUE.TEXT"]
            • Flexible points. You can redeem points at any time for cashback or merchandise.
            • No restrictions. There are no restrictions on how many points you can earn, so you'll end up with one point per dollar, no matter what you purchase.
            • No minimum income. You won't need to earn a certain amount each year to qualify.
            • Welcome bonus. There's no annual fee for the first year.
            What to watch out for
              • Less points. For other Meridian cards, you can earn 1 point per dollar on purchases
              • Exclusive to the US. You'll still have to pay foreign currency conversion rates on purchases made worldwide.
              • Additional card fees. You'll have to pay a fee for every additional card you want to add to your account.
              • Regional exclusions. This card isn't available to residents of Quebec.

              Meridian Credit Union rewards program

              Meridian Credit Union offers returns in the form of cashback, travel points and general rewards.

              How to redeem points

              For cashback, you can just sign in to your online banking to see how much you’ve earned and request to apply amounts onto your next bank statement. To redeem points, you just need to sign on to your Meridian rewards account to check your balance and use your points.

              How much is money worth?

              It depends on which card you choose. For the cash back card, you can earn up to 4% on gas and groceries, and 1-2% on just about everything else. For the travel card, around 260,000 points will get you a flight from Ottawa to Paris, which means you’ll have to spend at least $130,000 on your card to qualify for a round trip. For the US currency card, the real value is the money you save on US foreign exchange rates up-front, but you’ll also earn one point per dollar on all other purchases.

              Typical card benefits and features of a Meridian credit card

              Meridian Credit Union offers a number of different cards, designed to meet a variety of needs. While the cards serve different purposes, they also have several common features.

              • Contactless payments. Breeze through checkout faster with Visa payWave.
              • Secure online purchases. Protect your credit card information by creating a SecureCode for online purchases.
              • Fraud protection. Get instant notifications about suspicious activity with 24/7 fraud detection.
              • Visa global services. Take advantage of 24/7 assistance to help with everything from ordering an emergency card replacement to receiving an emergency cash advance.

              How to apply for a credit card with Meridian Credit Union

              You can apply for a credit card with Meridian through its website. Before you apply, make sure you meet the minimum eligibility requirements and prepare some basic information.

              Eligibility criteria

              • You must be at least 18 years old.
              • You must be a Canadian citizen.

              Required documents

              • Full name and date of birth.
              • Street address and phone number.
              • Valid email address.
              • Total annual income.

              How does Meridian Credit Union keep my credit card information safe?

              Meridian Credit Union provides enhanced protection for your card by asking for a SecureCode for online purchases. You’ll also be protected against fraud with Zero Liability protection, meaning only authorized transactions will be processed on your account.

              Compare other credit cards

              Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
              HSBC +Rewards™ Mastercard®
              30,000 Points
              2x points per $1 spent
              11.9%
              $0 annual fee for the first year ($25 thereafter)
              Min. recommended credit score: 630
              Get 30,000 Points (up to $150 in value) when you spend $2,000 in the first 6 months. Plus, get the 1st year annual fee waived for the primary cardholder ($25 value). Apply by January 31, 2022.
              BMO CashBack Mastercard
              5% cash back
              Up to 3% cash back
              19.99%
              $0
              Min. recommended credit score: 660
              Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
              Tangerine World Mastercard
              15% cash back
              Up to 2% cash back
              19.95%
              $0
              Min. recommended credit score: 680
              Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
              Neo Financial Credit Card
              N/A
              Average 4% cash back
              19.99% - 24.99%
              $0
              Min. recommended credit score: 600
              Earn an average cash back of 4% at thousands of local and national Neo partners including most major gas and grocery stores, restaurants, gyms, coffee shops and more. Earn a guaranteed 1% cash back on all spend at non-partners.
              BMO Preferred Rate Mastercard
              3.99% rate on balance transfers for 9 months
              N/A
              12.99%
              $20
              Min. recommended credit score: 660
              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.
              American Express Cobalt Card
              50,000 points
              Up to 5x points per $1 spent
              20.99%
              $155.88
              Min. recommended credit score: 700
              Earn up to 50,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points). Plus, earn a Welcome Bonus of 20,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership.
              Brim Mastercard
              Up to $200 worth of bonuses
              1 point per $1 spent
              19.99%
              $0
              Min. recommended credit score: 700
              Earn up to $200 worth of bonus points when you shop with Brim retailers for the first time through the Brim mobile app.
              Tangerine Money-Back Credit Card
              15% cash back
              Up to 2% cash back
              19.95%
              $0
              Min. recommended credit score: 680
              Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
              SimplyCash Card from American Express
              4% cash back
              Up to 1.25% cash back
              19.99%
              $0
              Min. recommended credit score: 700
              Earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership.
              American Express Green Card
              10,000 points
              1 point per $1 spent
              20.99%
              $0
              Min. recommended credit score: 700
              Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months as a new Cardmember.
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              Compare up to 4 providers

              Name Product Balance Transfer Rate Balance Transfer Fee Purchase Interest Rate Annual Fee Min. Credit Score Description
              Scotiabank Value Visa Card
              0.99% for the first 6 months (then 12.99%)
              N/A
              12.99%
              $29
              Min. recommended credit score: 660
              Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by November 21, 2021.
              BMO CashBack Mastercard
              1.99% for the first 9 months (then 22.99%)
              1%
              19.99%
              $0
              Min. recommended credit score: 660
              Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
              Tangerine World Mastercard
              1.95% for the first 6 months (then 19.95%)
              3%
              19.95%
              $0
              Min. recommended credit score: 680
              Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
              BMO Preferred Rate Mastercard
              3.99% for the first 9 months (then 12.99%)
              1%
              12.99%
              $20
              Min. recommended credit score: 660
              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% for the first 6 months (then 19.95%)
              3%
              19.95%
              $0
              Min. recommended credit score: 680
              Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
              BMO Rewards Mastercard
              1.99% for the first 9 months (then 22.99%)
              1%
              19.99%
              $0
              Min. recommended credit score: 725
              Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
              American Express AIR MILES Platinum Credit Card
              N/A
              N/A
              20.99%
              $120
              Min. recommended credit score: 700
              Earn a Welcome Bonus of 2,000 AIR MILES within the first three months. That’s enough to redeem for $200 towards your purchases with AIR MILES Cash.
              BMO AIR MILES Mastercard
              1.99% for the first 9 months (then 22.99%)
              1%
              19.99%
              $0
              Min. recommended credit score: 660
              Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
              Scotia Momentum No-Fee Visa Card
              1.99% for the first 6 months (then 22.99%)
              N/A
              19.99%
              $0
              Min. recommended credit score: 660
              Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 1.99% introductory interest rate on balance transfers for the first 6 months with no balance transfer fee. Apply by November 21, 2021.
              Scotiabank Gold American Express Card
              0% for the first 6 months (then 22.99%)
              1%
              19.99%
              $0 annual fee for the first year ($120 thereafter)
              Min. recommended credit score: 700
              Earn up to 50,000 bonus Scotia Rewards points in your first year (that's up to $500 towards travel) and no annual fee in the first year, including supplementary cards. Plus, get a 0.00% introductory interest rate on balance transfers for the first 6 months (A 1% balance transfer fee applies). Apply by November 21, 2021.
              loading

              Compare up to 4 providers

              Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
              HSBC +Rewards™ Mastercard®
              30,000 Points
              2x points per $1 spent
              11.9%
              $0 annual fee for the first year ($25 thereafter)
              Min. recommended credit score: 630
              Get 30,000 Points (up to $150 in value) when you spend $2,000 in the first 6 months. Plus, get the 1st year annual fee waived for the primary cardholder ($25 value). Apply by January 31, 2022.
              American Express Cobalt Card
              50,000 points
              Up to 5x points per $1 spent
              20.99%
              $155.88
              Min. recommended credit score: 700
              Earn up to 50,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points). Plus, earn a Welcome Bonus of 20,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership.
              BMO World Elite Mastercard
              30,000 points
              Up to 3 points per $1 spent
              20.99%
              $0 annual fee for the first year ($150 thereafter)
              Min. recommended credit score: 760
              Get up to 30,000 points and the $150 annual fee waived in the first year.
              American Express Aeroplan Card
              40,000 points
              Up to 2x points
              30% annual interest rate applies to balances not paid in full each month
              $120
              Min. recommended credit score: 700
              Earn up to a total of 40,000 welcome bonus Aeroplan points and a bonus Buddy Pass. New Cardmembers can earn up to $1,200 in value within the first year.
              American Express Business Edge Card
              57,000 points
              Up to 3 points per $1 spent
              19.99%
              $99
              Min. recommended credit score: 700
              Earn up to 57,000 Membership Rewards points in your first year.
              American Express AIR MILES Platinum Credit Card
              2,000 Miles
              Up to 1 Air Mile per $5 - $10 spent
              20.99%
              $120
              Min. recommended credit score: 700
              Earn a Welcome Bonus of 2,000 AIR MILES within the first three months. That’s enough to redeem for $200 towards your purchases with AIR MILES Cash.
              American Express Aeroplan Reserve Card
              90,000 points
              Up to 3x points
              19.99%
              $599
              Min. recommended credit score: 700
              Earn up to a total of 90,000 welcome bonus Aeroplan points and a bonus Buddy Pass. New Cardmembers can earn up to $3,000 in value within your first year. Plus, receive up to $100 in statement credits every four years when a NEXUS application or renewal fee is charged to your card.
              BMO eclipse Visa Infinite Privilege
              50,000 points
              5 points per $1 spent
              20.99%
              $499
              Min. recommended credit score: 760
              Get up to 50,000 welcome points in your first year.
              HSBC World Elite® Mastercard®
              100,000 Points
              Up to 6 points per $1 spent
              19.9%
              $0 annual fee for the first year ($149 thereafter)
              Min. recommended credit score: 650
              Earn up to 100,000 Points. Get a Welcome Bonus of 20,000 Points (up to $100 value). Plus, earn an additional 80,000 Points and get the 1st year annual fee waived for the primary cardholder (up to $549 value). Apply by January 31, 2022.
              BMO CashBack World Elite Mastercard
              Up to 10% cash back
              1% cash back
              20.99%
              $0 annual fee for the first year ($120 thereafter)
              Min. recommended credit score: 760
              Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.
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              Compare up to 4 providers

              Name Product Welcome Offer Cash Back Rate Purchase Interest Rate Annual Fee Min. Credit Score Reward Description
              Neo Financial Credit Card
              N/A
              Average 4% cash back
              19.99% - 24.99%
              $0
              Min. recommended credit score: 600
              BMO CashBack Mastercard
              5% cash back
              Up to 3% cash back
              19.99%
              $0
              Min. recommended credit score: 660
              Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
              Tangerine World Mastercard
              15% cash back
              Up to 2% cash back
              19.95%
              $0
              Min. recommended credit score: 680
              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.
              Tangerine Money-Back Credit Card
              15% cash back
              Up to 2% cash back
              19.95%
              $0
              Min. recommended credit score: 680
              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.
              SimplyCash Card from American Express
              4% cash back
              Up to 1.25% cash back
              19.99%
              $0
              Min. recommended credit score: 700
              Earn 1.25% cash back on all eligible purchases.
              SimplyCash Preferred Card from American Express
              10% cash back
              2% cash back
              19.99%
              $99
              Min. recommended credit score: 700
              Earn 2% cash back on all eligible purchases
              BMO CashBack World Elite Mastercard
              Up to 10% cash back
              1% cash back
              20.99%
              $0 annual fee for the first year ($120 thereafter)
              Min. recommended credit score: 760
              Earn 5% cash back on groceries, 4% on transit including ride sharing, taxis and public transportation, 3% on gas and electric vehicle charging, 2% on recurring bill payments and 1% unlimited cash back on all eligible purchases.
              BMO Cashback Business Mastercard
              10% cash back
              Up to 1.75% cash back
              19.99%
              $0
              Min. recommended credit score: 650
              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.
              BMO CashBack Mastercard For Students
              5% cash back
              Up to 3% cash back
              19.99%
              $0
              Min. recommended credit score: 660
              Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
              Scotia Momentum No-Fee Visa Card
              Up to 5% cash back
              1% cash back
              19.99%
              $0
              Min. recommended credit score: 660
              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.
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              Compare up to 4 providers

              Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
              BMO CashBack Mastercard
              5% cash back
              Up to 3% cash back
              19.99%
              $0
              Min. recommended credit score: 660
              Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
              Tangerine World Mastercard
              15% cash back
              Up to 2% cash back
              19.95%
              $0
              Min. recommended credit score: 680
              Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
              Brim Mastercard
              Up to $200 worth of bonuses
              1 point per $1 spent
              19.99%
              $0
              Min. recommended credit score: 700
              Earn up to $200 worth of bonus points when you shop with Brim retailers for the first time through the Brim mobile app.
              Tangerine Money-Back Credit Card
              15% cash back
              Up to 2% cash back
              19.95%
              $0
              Min. recommended credit score: 680
              Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
              SimplyCash Card from American Express
              4% cash back
              Up to 1.25% cash back
              19.99%
              $0
              Min. recommended credit score: 700
              Earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership.
              American Express Green Card
              10,000 points
              1 point per $1 spent
              20.99%
              $0
              Min. recommended credit score: 700
              Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months as a new Cardmember.
              BMO Rewards Mastercard
              10,000 points
              Up to 2 points per $1 spent
              19.99%
              $0
              Min. recommended credit score: 725
              Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
              Home Trust Secured Visa (No Annual Fee)
              N/A
              N/A
              19.99%
              $0
              Min. recommended credit score: Any score
              The no annual fee Home Trust Secured card comes with a standard 19.99% purchase and cash advance rate. Apply with any credit score and start rebuilding your credit.
              BMO Cashback Business Mastercard
              10% cash back
              Up to 1.75% cash back
              19.99%
              $0
              Min. recommended credit score: 650
              Get 10% cash back on gas, office supplies, cell phone bills and internet bills for 3 months.
              BMO AIR MILES Mastercard
              800 Miles
              Up to 3x Air Miles for every $25 spent
              19.99%
              $0
              Min. recommended credit score: 660
              Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
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              Compare up to 4 providers

              Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Reward
              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.
              Get 30,000 Points (up to $150 in value) when you spend $2,000 in the first 6 months. Plus, get the 1st year annual fee waived for the primary cardholder ($25 value). Apply by January 31, 2022.
              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.
              Scotiabank Value Visa Card
              12.99%
              12.99%
              $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 November 21, 2021.
              BMO Rewards Business Mastercard
              14.99%
              22.99%
              $0 annual fee for the first year ($120 thereafter)
              N/A
              Earn 3 BMO Rewards points for every $1 you spend on gas, office supplies, cell phone bills and internet bills, and earn 1.5 BMO Rewards points for every $1 you spend elsewhere.
              Get 50,000 points and the $120 annual fee waived in the first year.
              Business Platinum Card from American Express
              N/A
              N/A
              $499
              N/A
              Earn 1.25 Membership Rewards points for every $1 spent on eligible purchases
              Earn a Welcome Bonus of up to 100,000 Membership Rewards points ($1,000 in statement credits that you can reinvest into your business).
              American Express Business Gold Rewards Card
              N/A
              N/A
              $199
              N/A
              Earn 1 Membership Rewards point for every $1 spent on purchases charged to the Card.
              Earn a Welcome Bonus of up to 110,000 Membership Rewards points. If redeemed for statement credit, this is $1,100 that you can reinvest in your business.
              National Bank Syncro Mastercard
              8.90% or prime + 4.00%
              12.90% or prime + 4.00%
              $35
              N/A
              Enjoy low purchase interest, cash advance and balance transfer rates.
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              Meridian Credit Union offers a variety of cashback, travel and currency conversion cards. The card that works best for you will depend on your unique set of circumstances, including whether you travel frequently, spend a lot of time/money in the US or want to get a higher return on gas and groceries. If you can’t find exactly what you’re looking for, feel free to check out some of the cards on offer from other big Canadian banks.

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