Desjardins Modulo Visa card review

The Desjardins Modulo Visa card is one of four credit cards in the Desjardins line of Visa cards that earn BONUSDOLLARS. You’ll earn 1% on all purchases and pre-approved payments that you can then redeem for your choice of different rewards, including travel. You’ll also enjoy a low interest rate and a modest annual fee of $50

30-second take

• Consider this card if you prefer lower interest rates and want to earn some form of redeemable rewards for everyday purchases.

• Pick a different card if you want a more robust rewards program and comprehensive travel insurance.

• No minimum annual income is required to apply for this card.

The basics

If you enjoy having low interest rates on your Visa for everyday purchases as well as pre-authorized payments and wouldn’t mind earning points for a few perks, you should consider signing up for the Desjardins Modulo Visa card.

• Good cash advances. Receive up to $5,000 a day from anywhere in the world.
• Zero liability. In the event of a fraudulent transaction, you are free of any liability made against your card.
• Purchase protection. This card offers coverage on select items for 90 days
  from the purchase date in the event of loss or damage.
• Financing. Receive Accord D financing on items that are above your current spending habits.

The perks

• Low interest rates. Enjoy an interest rate of 10.9%, which is almost half the rate of major cards.
• BONUSDOLLARS. Earn BONUSDOLLARS on eligible purchases.
• Car rental discounts. Receive up to 15% off select Hertz locations worldwide
• Mobile device insurance. Get up to $1,000 back if your cell phone, smartphone or tablet has been lost, stolen, damaged or has suffered a mechanical failure
• Free coverage for short trips. Receive travel insurance on trips of three days or less outside your province of residence.
• Visa Checkout. Enjoy privacy protection and faster checkouts when purchasing things online.
• Travel assistance service. Receive free travel support, 24 hours a day, 7 days a week from anywhere in the world.

What to watch out for

• Annual fee. You’ll pay an annual fee of $50 on the primary card with an added fee of $10 for an additional card.
• Limited travel insurance. You’ll only get three days of out-of-province coverage, and you’ll have to purchase a separate travel insurance plan for longer trips.
• Conversion fees. All transactions made in a foreign currency will be converted to Canadian dollars, and you will be hit with a 2.5% conversion fee of the transaction amount.
• Very low return on points. You earn 1% on all purchases, so if you spend $1,000 a month, you’re only going to earn $10, a value of $0.01 per BONUSDOLLARS point
• Quick BONUSDOLLARS redemption. BONUSDOLLARS must be redeemed within 60 days of purchase
• Few benefits. You won’t receive comprehensive travel insurance or roadside assistance.

What should I know before I apply

• Eligibility requirements

  To apply for the Desjardins Modulo Visa card, you need to meet the following criteria:

  • Be a Canadian resident.
  • Be at least 18 years of age (19 in some provinces and territories).

• Required documents and information

  • Your name, residential status and contact information
  • Your social insurance number and date of birth.
  • Your email address and phone number.
  • Your employment status and employer information.
  • Your financial information and history (to determine good standing).

How to apply

1. Head to the Desjardins website to begin your application.
2. Complete the application online, which includes providing your complete name, email address, social insurance number, birth date, employment status, financial information and other pertinent details.
3. Review and submit your application.

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Name	Product	Welcome Offer	Rewards	Purchase Interest Rate	Annual Fee		Min. Credit Score	Description
American Express Cobalt Card		45,000 points	Up to 5 points per $1 spent	19.99%	$120	Apply now More Info	Min. recommended credit score: 700	Earn up to 45,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember. Apply by May 5, 2021.	Compare	loading Fetching your data...
Tangerine World Mastercard		Balance transfer offer	Up to 2% cash back	19.95%	$0	Apply now More Info	Min. recommended credit score: 680	Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).	Compare	loading Fetching your data...
BMO CashBack Mastercard		5% cash back	Up to 3% cash back	19.99%	$0	Apply now More Info	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.	Compare	loading Fetching your data...
BMO Preferred Rate Mastercard		Balance transfer offer	N/A	12.99%	$20	Apply now More Info	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.	Compare	loading Fetching your data...
Scotiabank Value Visa Card		Balance transfer offer	N/A	12.99%	$29	Apply now More Info	Min. recommended credit score: 650	Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by July 1, 2021.	Compare	loading Fetching your data...
SimplyCash Card from American Express		1.25% cash back	Up to 2.5% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 700	Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).	Compare	loading Fetching your data...
Choice Card from American Express		12,500 points	1 point per $1 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 700	Earn 12,500 Bonus Membership Rewards points within the first 3 months as a new Cardmember. Apply by May 5, 2021.	Compare	loading Fetching your data...
Tangerine Money-Back Credit Card		Balance transfer offer	Up to 2% cash back	19.95%	$0	Apply now More Info	Min. recommended credit score: 680	Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).	Compare	loading Fetching your data...
HSBC +Rewards™ Mastercard®		30,000 points	2x points per $1 spent	11.9%	$0 annual fee for the first year ($25 thereafter)	Apply now More Info	Min. recommended credit score: 680	Earn 30,000 Points ($150 travel value), plus get a full annual fee rebate for the Primary Cardholder for the first year ($25 value). Apply by April 19, 2021. Conditions Apply. This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer).	Compare	loading Fetching your data...
Refresh Financial Secured Card		N/A	N/A	17.99%	$12.95	Apply now More Info	Min. recommended credit score: Any score	Take advantage of a low annual fee, with no credit check and guaranteed approval once you secure your card with some funds.	Compare	loading Fetching your data...
BMO Rewards Mastercard		10,000 points	Up to 2 points per $1 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 725	Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.	Compare	loading Fetching your data...
BMO World Elite Mastercard		30,000 points	Up to 3 points per $1 spent	19.99%	$0 annual fee for the first year ($150 thereafter)	Apply now More Info	Min. recommended credit score: 760	Get up to 30,000 points and the $150 annual fee waived in the first year. Apply by October 31, 2021	Compare	loading Fetching your data...
Home Trust Secured Visa		N/A	N/A	14.90% - 19.99%	$0	Apply now More Info	Min. recommended credit score: Any score	Choose from three card options: No Annual Fee ($0 annual fee, 19.99% purchase rate), Low Interest Rate ($59 annual fee, 14.90% purchase rate) or a Low Monthly Fee ($5 monthly fee, 14.90% purchase rate).	Compare	loading Fetching your data...
Brim Mastercard		Up to $200 worth of bonuses	1 point per $1 spent	19.99%	$0	Apply now More Info	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.	Compare	loading Fetching your data...
American Express Aeroplan Card		15,000 points	Up to 2x points per $1 spent	30% annual interest rate applies to balances not paid in full each month	$120	Apply now More Info	Min. recommended credit score: 700	Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.	Compare	loading Fetching your data...
SimplyCash Preferred Card from American Express		10% cash back	2% cash back	19.99%	$99	Apply now More Info	Min. recommended credit score: 700	Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.	Compare	loading Fetching your data...
BMO eclipse Visa Infinite		40,000 points	Up to 5 points per $1 spent	20.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 760	Get up to 40,000 points and the $120 annual fee waived in the first year.	Compare	loading Fetching your data...
American Express Business Edge Card		42,000 points	Up to 3 points per $1 spent	19.99%	$99	Apply now More Info	Min. recommended credit score: 700	Earn up to 42,000 Membership Rewards points in your first year.	Compare	loading Fetching your data...
American Express AIR MILES Platinum Credit Card		2,000 Miles	Up to 1 Air Mile per $5 - $10 spent	20.99%	$120	Apply now More Info	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.	Compare	loading Fetching your data...
American Express Aeroplan Reserve Card		65,000 points	Up to 3x points	19.99%	$599	Apply now More Info	Min. recommended credit score: 700	Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember.	Compare	loading Fetching your data...
Shell AIR MILES Mastercard from BMO		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).	Compare	loading Fetching your data...
BMO eclipse Visa Infinite Privilege		50,000 points	5 points per $1 spent	20.99%	$499	Apply now More Info	Min. recommended credit score: 760	Get up to 50,000 welcome points in your first year.	Compare	loading Fetching your data...
Brim World Mastercard		Up to $300 worth of bonuses	1.5 points for every $1 spent	19.99%	$99	Apply now More Info	Min. recommended credit score: 700	Earn up to $300 worth of bonus points when you shop with Brim retailers for the first time through the Brim mobile app.	Compare	loading Fetching your data...
American Express Gold Rewards Card		25,000 points	Up to 2 points per $1 spent	30% annual interest rate applies to balances not paid in full each month	$150	Apply now More Info	Min. recommended credit score: 700	Earn a Welcome Bonus of 25,000 Membership Rewards points when you spend at least $1,500 on eligible purchases within the first three months.	Compare	loading Fetching your data...
HSBC World Elite® Mastercard®		40,000 points	Up to 6 points per $1 spent	19.9%	$0 annual fee for the first year ($149 thereafter)	Apply now More Info	Min. recommended credit score: 680	Earn up to 40,000 Points ($200 travel value), plus a full annual fee rebate for the Primary Cardholder for the first year ($149 value). Apply by April 19, 2021. Conditions Apply. This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer).	Compare	loading Fetching your data...
Shell AIR MILES World Mastercard from BMO		Up to 5x Air Miles	1 Mile for every $15 spent	19.99%	$99	Apply now More Info	Min. recommended credit score: 760	Get up to 5x the AIR MILES Reward Miles on groceries Valid until May 31, 2021. Plus, get 1.25x Miles on card purchases at Shell locations in Canada.	Compare	loading Fetching your data...
BMO CashBack World Elite Mastercard		Up to 10% cash back	1.5% cash back	19.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	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.	Compare	loading Fetching your data...
American Express Aeroplan Business Reserve Card		65,000 points	Up to 3 points per $1 spent	16.99%	$599	Apply now More Info	Min. recommended credit score: 700	Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember.	Compare	loading Fetching your data...
Shell CashBack Mastercard from BMO		$50 in cash back + 1% cash back	Up to 1.5% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	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.	Compare	loading Fetching your data...
Marriott Bonvoy American Express Card		60,000 points	Up to 5 points per $1 spent	19.99%	$120	Apply now More Info	Min. recommended credit score: 700	Earn 60,000 Welcome Bonus points after you charge $3,000 in your first 3 months. Plus, get a $120 statement credit when you charge $10,000 in your first 12 months.	Compare	loading Fetching your data...
BMO Rewards Business Mastercard		35,000 points	Up to 3 points per $1 spent	14.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 650	Get 35,000 points and the $120 annual fee waived in the first year (a total value of $295).	Compare	loading Fetching your data...
The Platinum Card from American Express		50,000 points	Up to 3 points per $1 spent	N/A	$699	Apply now More Info	Min. recommended credit score: 700	Earn 50,000 Welcome Bonus points when you charge $3,000 to your card in the first 3 months.	Compare	loading Fetching your data...
BMO Air Miles Business Mastercard		3,000 Miles	1 Mile for every $10 spent	19.99%	$120	Apply now More Info	Min. recommended credit score: 650	Get up to 3,000 AIR MILES Bonus Miles ($310 towards your purchases with AIR MILES Cash).	Compare	loading Fetching your data...
BMO IGA AIR MILES Mastercard		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).	Compare	loading Fetching your data...
BMO U.S. Dollar Mastercard		N/A	N/A	19.99%	$35 USD	Apply now More Info	Min. recommended credit score: 725	When your purchases total US$1,000 or more in a year, the next year's annual fee (US$35) is rebated to your card.	Compare	loading Fetching your data...
BMO AIR MILES World Elite Mastercard		2,000 Miles	1 Mile for every $10 spent	19.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 760	Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year.	Compare	loading Fetching your data...
BMO Cashback Business Mastercard		10% cash back	Up to 1.75% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 650	Get 10% cash back on gas, office supplies, cell phone bills and internet bills for 3 months.	Compare	loading Fetching your data...
BMO AIR MILES Mastercard		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	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.	Compare	loading Fetching your data...
BMO AIR MILES Mastercard For Students		800 Miles	1 Mile per $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.	Compare	loading Fetching your data...
BMO CashBack Mastercard For Students		5% cash back	Up to 3% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get up to 5% cash back in the first three months (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers for 9 months (with a 1% transfer fee).	Compare	loading Fetching your data...
BMO Air Miles No-Fee Business Mastercard		1,000 Miles	1 Mile per $20 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 650	Get 1,000 AIR MILES Bonus Miles (over $100 towards your purchases with AIR MILES Cash).	Compare	loading Fetching your data...
Shell CashBack World Mastercard from BMO		N/A	Up to 3% cash back	19.99%	$79	Apply now More Info	Min. recommended credit score: 760	Earn 3% cash back at Shell stations in Canada, plus 1.25% cash back on all other spend.	Compare	loading Fetching your data...
American Express AIR MILES for Business Card		2,000 Miles	1 Mile for every $10 - $15 spent	N/A	$180	Apply now More Info	Min. recommended credit score: 700	Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $5,000 on eligible purchases within the first three months.	Compare	loading Fetching your data...
Business Platinum Card from American Express		50,000 points	1.25 points per $1 spent	N/A	$499	Apply now More Info	Min. recommended credit score: 700	Earn a Welcome Bonus of 50,000 Membership Rewards points in your first three months of Cardmembership.	Compare	loading Fetching your data...
BMO Sobeys AIR MILES Mastercard		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).	Compare	loading Fetching your data...
Marriott Bonvoy Business American Express Card		60,000 points	Up to 5 points per $1 spent	19.99%	$150	Apply now More Info	Min. recommended credit score: 700	Earn 60,000 Welcome Bonus Marriott Bonvoy points after you charge $5,000 in your first 3 months. Plus, earn a $150 Statement Credit after spending $15,000 in your first year.	Compare	loading Fetching your data...
American Express Business Gold Rewards Card		30,000 points	Up to 2 points per $1 spent	N/A	$250	Apply now More Info	Min. recommended credit score: 700	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	Compare	loading Fetching your data...
American Express AIR MILES Gold Business Card		150 Miles	1 Mile for every $15 - $20 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 700	Earn a Welcome Bonus of 150 AIR MILES when you spend at least $1,000 in eligible purchases within the first three months	Compare	loading Fetching your data...
Brim World Elite Mastercard		Up to $500 worth of bonuses	2 points per $1 spent	19.99%	$0 annual fee for the first year ($199 thereafter)	Apply now	Min. recommended credit score: 700	Collect up to $500 worth of bonus points when you shop with Brim retailers for the first time using your Brim World Elite Mastercard.	Compare	loading Fetching your data...
Scotia Momentum No-Fee Visa Card		Up to 5% cash back	1% cash back	7.99% intro APR for the first 6 months, 19.99% thereafter	$0	Apply now More Info	Min. recommended credit score: 650	Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).Plus, get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by May 2, 2021.	Compare	loading Fetching your data...
Scotia Momentum Mastercard		Balance transfer offer	Up to 1% cash back	7.99% intro APR for the first 6 months, 20.99% thereafter	$0	Apply now More Info	Min. recommended credit score: 650	Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by July 1, 2021.	Compare	loading Fetching your data...
Scotia Momentum Visa Infinite Card		10% cash back	Up to 4% cash back per $1 spent	20.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 750	Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases) and pay no annual fee in the first year, including on supplementary cards (A welcome offer value of $350). Apply by August 31, 2021.	Compare	loading Fetching your data...
Scotiabank SCENE Visa Card		2,500 points	Up to 5 points per $1 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 650	Earn 2,500 bonus SCENE points when you spend a minimum of $500 on eligible purchases in the first three months as a new SCENE Visa cardholder. Apply by July 1, 2021.	Compare	loading Fetching your data...
Scotiabank Platinum American Express Card		30,000 points	Up to 4 points per $1 spent	19.99%	$399	Apply now More Info	Min. recommended credit score: 750	Receive a bonus of 30,000 Scotia Rewards points upon first eligible purchase made within the first two months. Apply by July 1, 2021.	Compare	loading Fetching your data...
Scotiabank GM Visa Card		N/A	Up to 5% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 650	Earn 5% in GM Earnings on all eligible purchases on the first $5,000 annual spend, and 2% thereafter.	Compare	loading Fetching your data...
Scotiabank American Express Card		5,000 points	1 point per $1 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 650	Earn 5,000 bonus Scotia Rewards points when you spend $500 on eligible purchases within the first 3 months. Apply by July 1, 2021.	Compare	loading Fetching your data...
Scotiabank GM Visa Infinite Card		No first year annual fee	Up to 5% cash back	19.99%	$0 annual fee for the first year ($79 thereafter)	Apply now More Info	Min. recommended credit score: 650	Get the annual fee waived in the first year on the primary card as well as any supplementary cards. Apply by July 1, 2021.	Compare	loading Fetching your data...
Scotiabank Gold American Express Card		40,000 points	Up to 5 points per $1 spent	19.99%	$120	Apply now More Info	Min. recommended credit score: 700	Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel) Apply by August 31, 2021.	Compare	loading Fetching your data...
Scotiabank Passport Visa Infinite Card		40,000 points	Up to 2 points per $1 spent	19.99%	$139	Apply now More Info	Min. recommended credit score: 750	Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel). Apply by July 1, 2021.	Compare	loading Fetching your data...
ScotiaGold Passport Visa Card		5,000 points	1 point per $1 spent	19.99%	$110	Apply now More Info	Min. recommended credit score: 650	Receive 5,000 bonus Scotia Rewards points when you make your first eligible purchase. Eligible purchase must be posted to your account within 2 months of account opening. Apply by July 1, 2021.	Compare	loading Fetching your data...
Scotia Momentum Visa Card		7.5% cash back	Up to 2% cash back	19.99%	$39	Apply now More Info	Min. recommended credit score: 650	Earn 7.5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 2.99% introductory rate on balance transfers and a 0% balance transfer fee for the first 6 months. Apply by May 2, 2021.	Compare	loading Fetching your data...
American Express AIR MILES Reserve Credit Card		2,400 Miles	1 Mile for every $10 - $15 spent	20.99%	$299	More Info	Min. recommended credit score: 700	Earn a Welcome Bonus of 2,400 AIR MILES when you spend at least $3,000 in eligible purchases within the first three months.	Compare	loading Fetching your data...

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Name	Product	Balance Transfer Rate	Balance Transfer Fee	Purchase Interest Rate	Annual Fee		Min. Credit Score	Description
Tangerine World Mastercard		1.95% for the first 6 months (then 19.95%)	3%	19.95%	$0	Apply now More Info	Min. recommended credit score: 680	Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).	Compare	loading Fetching your data...
BMO CashBack Mastercard		1.99% for the first 9 months (then 22.99%)	1%	19.99%	$0	Apply now More Info	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.	Compare	loading Fetching your data...
BMO Preferred Rate Mastercard		3.99% for the first 9 months (then 12.99%)	1%	12.99%	$20	Apply now More Info	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.	Compare	loading Fetching your data...
Scotiabank Value Visa Card		0.99% for the first 6 months (then 12.99%)	N/A	12.99%	$29	Apply now More Info	Min. recommended credit score: 650	Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by July 1, 2021.	Compare	loading Fetching your data...
Tangerine Money-Back Credit Card		1.95% for the first 6 months (then 19.95%)	3%	19.95%	$0	Apply now More Info	Min. recommended credit score: 680	Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).	Compare	loading Fetching your data...
BMO Rewards Mastercard		1.99% for the first 9 months (then 22.99%)	1%	19.99%	$0	Apply now More Info	Min. recommended credit score: 725	Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.	Compare	loading Fetching your data...
BMO AIR MILES Mastercard		1.99% for the first 9 months (then 22.99%)	1%	19.99%	$0	Apply now More Info	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.	Compare	loading Fetching your data...
BMO AIR MILES Mastercard For Students		1.99% for the first 9 months (then 22.99%)	1%	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.	Compare	loading Fetching your data...
BMO CashBack Mastercard For Students		1.99% for the first 9 months (then 22.99%)	1%	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get up to 5% cash back in the first three months (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers for 9 months (with a 1% transfer fee).	Compare	loading Fetching your data...
Scotia Momentum Visa Card		2.99% for the first 6 months (then 22.99%)	N/A	19.99%	$39	Apply now More Info	Min. recommended credit score: 650	Earn 7.5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 2.99% introductory rate on balance transfers and a 0% balance transfer fee for the first 6 months. Apply by May 2, 2021.	Compare	loading Fetching your data...

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Name	Product	Welcome Offer	Rewards	Purchase Interest Rate	Annual Fee		Min. Credit Score	Description
American Express Cobalt Card		45,000 points	Up to 5 points per $1 spent	19.99%	$120	Apply now More Info	Min. recommended credit score: 700	Earn up to 45,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember. Apply by May 5, 2021.	Compare	loading Fetching your data...
Choice Card from American Express		12,500 points	1 point per $1 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 700	Earn 12,500 Bonus Membership Rewards points within the first 3 months as a new Cardmember. Apply by May 5, 2021.	Compare	loading Fetching your data...
HSBC +Rewards™ Mastercard®		30,000 points	2x points per $1 spent	11.9%	$0 annual fee for the first year ($25 thereafter)	Apply now More Info	Min. recommended credit score: 680	Earn 30,000 Points ($150 travel value), plus get a full annual fee rebate for the Primary Cardholder for the first year ($25 value). Apply by April 19, 2021. Conditions Apply. This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer).	Compare	loading Fetching your data...
BMO Rewards Mastercard		10,000 points	Up to 2 points per $1 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 725	Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.	Compare	loading Fetching your data...
BMO World Elite Mastercard		30,000 points	Up to 3 points per $1 spent	19.99%	$0 annual fee for the first year ($150 thereafter)	Apply now More Info	Min. recommended credit score: 760	Get up to 30,000 points and the $150 annual fee waived in the first year. Apply by October 31, 2021	Compare	loading Fetching your data...
Brim Mastercard		Up to $200 worth of bonuses	1 point per $1 spent	19.99%	$0	Apply now More Info	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.	Compare	loading Fetching your data...
American Express Aeroplan Card		15,000 points	Up to 2x points per $1 spent	30% annual interest rate applies to balances not paid in full each month	$120	Apply now More Info	Min. recommended credit score: 700	Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.	Compare	loading Fetching your data...
BMO eclipse Visa Infinite		40,000 points	Up to 5 points per $1 spent	20.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 760	Get up to 40,000 points and the $120 annual fee waived in the first year.	Compare	loading Fetching your data...
American Express Business Edge Card		42,000 points	Up to 3 points per $1 spent	19.99%	$99	Apply now More Info	Min. recommended credit score: 700	Earn up to 42,000 Membership Rewards points in your first year.	Compare	loading Fetching your data...
American Express AIR MILES Platinum Credit Card		2,000 Miles	Up to 1 Air Mile per $5 - $10 spent	20.99%	$120	Apply now More Info	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.	Compare	loading Fetching your data...
American Express Aeroplan Reserve Card		65,000 points	Up to 3x points	19.99%	$599	Apply now More Info	Min. recommended credit score: 700	Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember.	Compare	loading Fetching your data...
Shell AIR MILES Mastercard from BMO		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).	Compare	loading Fetching your data...
BMO eclipse Visa Infinite Privilege		50,000 points	5 points per $1 spent	20.99%	$499	Apply now More Info	Min. recommended credit score: 760	Get up to 50,000 welcome points in your first year.	Compare	loading Fetching your data...
American Express Gold Rewards Card		25,000 points	Up to 2 points per $1 spent	30% annual interest rate applies to balances not paid in full each month	$150	Apply now More Info	Min. recommended credit score: 700	Earn a Welcome Bonus of 25,000 Membership Rewards points when you spend at least $1,500 on eligible purchases within the first three months.	Compare	loading Fetching your data...
HSBC World Elite® Mastercard®		40,000 points	Up to 6 points per $1 spent	19.9%	$0 annual fee for the first year ($149 thereafter)	Apply now More Info	Min. recommended credit score: 680	Earn up to 40,000 Points ($200 travel value), plus a full annual fee rebate for the Primary Cardholder for the first year ($149 value). Apply by April 19, 2021. Conditions Apply. This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer).	Compare	loading Fetching your data...
Shell AIR MILES World Mastercard from BMO		Up to 5x Air Miles	1 Mile for every $15 spent	19.99%	$99	Apply now More Info	Min. recommended credit score: 760	Get up to 5x the AIR MILES Reward Miles on groceries Valid until May 31, 2021. Plus, get 1.25x Miles on card purchases at Shell locations in Canada.	Compare	loading Fetching your data...
American Express Aeroplan Business Reserve Card		65,000 points	Up to 3 points per $1 spent	16.99%	$599	Apply now More Info	Min. recommended credit score: 700	Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember.	Compare	loading Fetching your data...
Marriott Bonvoy American Express Card		60,000 points	Up to 5 points per $1 spent	19.99%	$120	Apply now More Info	Min. recommended credit score: 700	Earn 60,000 Welcome Bonus points after you charge $3,000 in your first 3 months. Plus, get a $120 statement credit when you charge $10,000 in your first 12 months.	Compare	loading Fetching your data...
BMO Rewards Business Mastercard		35,000 points	Up to 3 points per $1 spent	14.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 650	Get 35,000 points and the $120 annual fee waived in the first year (a total value of $295).	Compare	loading Fetching your data...
The Platinum Card from American Express		50,000 points	Up to 3 points per $1 spent	N/A	$699	Apply now More Info	Min. recommended credit score: 700	Earn 50,000 Welcome Bonus points when you charge $3,000 to your card in the first 3 months.	Compare	loading Fetching your data...
BMO Air Miles Business Mastercard		3,000 Miles	1 Mile for every $10 spent	19.99%	$120	Apply now More Info	Min. recommended credit score: 650	Get up to 3,000 AIR MILES Bonus Miles ($310 towards your purchases with AIR MILES Cash).	Compare	loading Fetching your data...
BMO IGA AIR MILES Mastercard		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).	Compare	loading Fetching your data...
BMO AIR MILES World Elite Mastercard		2,000 Miles	1 Mile for every $10 spent	19.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 760	Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year.	Compare	loading Fetching your data...
BMO AIR MILES Mastercard		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	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.	Compare	loading Fetching your data...
BMO AIR MILES Mastercard For Students		800 Miles	1 Mile per $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.	Compare	loading Fetching your data...
BMO Air Miles No-Fee Business Mastercard		1,000 Miles	1 Mile per $20 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 650	Get 1,000 AIR MILES Bonus Miles (over $100 towards your purchases with AIR MILES Cash).	Compare	loading Fetching your data...
American Express AIR MILES for Business Card		2,000 Miles	1 Mile for every $10 - $15 spent	N/A	$180	Apply now More Info	Min. recommended credit score: 700	Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $5,000 on eligible purchases within the first three months.	Compare	loading Fetching your data...
Business Platinum Card from American Express		50,000 points	1.25 points per $1 spent	N/A	$499	Apply now More Info	Min. recommended credit score: 700	Earn a Welcome Bonus of 50,000 Membership Rewards points in your first three months of Cardmembership.	Compare	loading Fetching your data...
BMO Sobeys AIR MILES Mastercard		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).	Compare	loading Fetching your data...
Marriott Bonvoy Business American Express Card		60,000 points	Up to 5 points per $1 spent	19.99%	$150	Apply now More Info	Min. recommended credit score: 700	Earn 60,000 Welcome Bonus Marriott Bonvoy points after you charge $5,000 in your first 3 months. Plus, earn a $150 Statement Credit after spending $15,000 in your first year.	Compare	loading Fetching your data...
American Express Business Gold Rewards Card		30,000 points	Up to 2 points per $1 spent	N/A	$250	Apply now More Info	Min. recommended credit score: 700	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	Compare	loading Fetching your data...
American Express AIR MILES Gold Business Card		150 Miles	1 Mile for every $15 - $20 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 700	Earn a Welcome Bonus of 150 AIR MILES when you spend at least $1,000 in eligible purchases within the first three months	Compare	loading Fetching your data...
Brim World Elite Mastercard		Up to $500 worth of bonuses	2 points per $1 spent	19.99%	$0 annual fee for the first year ($199 thereafter)	Apply now	Min. recommended credit score: 700	Collect up to $500 worth of bonus points when you shop with Brim retailers for the first time using your Brim World Elite Mastercard.	Compare	loading Fetching your data...
Scotiabank SCENE Visa Card		2,500 points	Up to 5 points per $1 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 650	Earn 2,500 bonus SCENE points when you spend a minimum of $500 on eligible purchases in the first three months as a new SCENE Visa cardholder. Apply by July 1, 2021.	Compare	loading Fetching your data...
Scotiabank Platinum American Express Card		30,000 points	Up to 4 points per $1 spent	19.99%	$399	Apply now More Info	Min. recommended credit score: 750	Receive a bonus of 30,000 Scotia Rewards points upon first eligible purchase made within the first two months. Apply by July 1, 2021.	Compare	loading Fetching your data...
Scotiabank American Express Card		5,000 points	1 point per $1 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 650	Earn 5,000 bonus Scotia Rewards points when you spend $500 on eligible purchases within the first 3 months. Apply by July 1, 2021.	Compare	loading Fetching your data...
Scotiabank Gold American Express Card		40,000 points	Up to 5 points per $1 spent	19.99%	$120	Apply now More Info	Min. recommended credit score: 700	Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel) Apply by August 31, 2021.	Compare	loading Fetching your data...
Scotiabank Passport Visa Infinite Card		40,000 points	Up to 2 points per $1 spent	19.99%	$139	Apply now More Info	Min. recommended credit score: 750	Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel). Apply by July 1, 2021.	Compare	loading Fetching your data...
ScotiaGold Passport Visa Card		5,000 points	1 point per $1 spent	19.99%	$110	Apply now More Info	Min. recommended credit score: 650	Receive 5,000 bonus Scotia Rewards points when you make your first eligible purchase. Eligible purchase must be posted to your account within 2 months of account opening. Apply by July 1, 2021.	Compare	loading Fetching your data...
Brim World Mastercard		Up to $300 worth of bonuses	1.5 points for every $1 spent	19.99%	$99	Apply now More Info	Min. recommended credit score: 700	Earn up to $300 worth of bonus points when you shop with Brim retailers for the first time through the Brim mobile app.	Compare	loading Fetching your data...
American Express AIR MILES Reserve Credit Card		2,400 Miles	1 Mile for every $10 - $15 spent	20.99%	$299	More Info	Min. recommended credit score: 700	Earn a Welcome Bonus of 2,400 AIR MILES when you spend at least $3,000 in eligible purchases within the first three months.	Compare	loading Fetching your data...

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Name	Product	Welcome Offer	Cash Back Rate	Purchase Interest Rate	Annual Fee		Min. Credit Score	Reward Description
Tangerine World Mastercard		Balance transfer offer	Up to 2% cash back	19.95%	$0	Apply now More Info	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.	Compare	loading Fetching your data...
BMO CashBack Mastercard		5% cash back	Up to 3% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.	Compare	loading Fetching your data...
SimplyCash Card from American Express		1.25% cash back	Up to 2.5% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 700	Earn 1.25% cash back on all eligible purchases.	Compare	loading Fetching your data...
Tangerine Money-Back Credit Card		Balance transfer offer	Up to 2% cash back	19.95%	$0	Apply now More Info	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.	Compare	loading Fetching your data...
SimplyCash Preferred Card from American Express		10% cash back	2% cash back	19.99%	$99	Apply now More Info	Min. recommended credit score: 700	Earn 2% cash back on all eligible purchases	Compare	loading Fetching your data...
BMO CashBack World Elite Mastercard		Up to 10% cash back	1.5% cash back	19.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 760	Earn 1.5% cash back on all eligible purchases.	Compare	loading Fetching your data...
Shell CashBack Mastercard from BMO		$50 in cash back + 1% cash back	Up to 1.5% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	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.	Compare	loading Fetching your data...
BMO Cashback Business Mastercard		10% cash back	Up to 1.75% cash back	19.99%	$0	Apply now More Info	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.	Compare	loading Fetching your data...
BMO CashBack Mastercard For Students		5% cash back	Up to 3% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.	Compare	loading Fetching your data...
Shell CashBack World Mastercard from BMO		N/A	Up to 3% cash back	19.99%	$79	Apply now More Info	Min. recommended credit score: 760	Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend.	Compare	loading Fetching your data...
Scotia Momentum No-Fee Visa Card		Up to 5% cash back	1% cash back	7.99% intro APR for the first 6 months, 19.99% thereafter	$0	Apply now More Info	Min. recommended credit score: 650	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.	Compare	loading Fetching your data...
Scotia Momentum Mastercard		Balance transfer offer	Up to 1% cash back	7.99% intro APR for the first 6 months, 20.99% thereafter	$0	Apply now More Info	Min. recommended credit score: 650	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.	Compare	loading Fetching your data...
Scotia Momentum Visa Infinite Card		10% cash back	Up to 4% cash back per $1 spent	20.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 750	Earn 4% cash back for every $1 spent on eligible grocery purchases & recurring bill payments, 2% per $1 spent on eligible gas purchases & public transit, and 1% per $1 spent on all other eligible purchases.	Compare	loading Fetching your data...
Scotiabank GM Visa Card		N/A	Up to 5% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 650	Earn 5% in GM Earnings on all eligible purchases on the first $5,000 annual spend, and 2% in GM Earnings on all eligible purchases thereafter.	Compare	loading Fetching your data...
Scotiabank GM Visa Infinite Card		No first year annual fee	Up to 5% cash back	19.99%	$0 annual fee for the first year ($79 thereafter)	Apply now More Info	Min. recommended credit score: 650	Earn 5% in GM Earnings on the first $10,000 annual spend, and earn 2% in GM Earnings thereafter.	Compare	loading Fetching your data...
Scotia Momentum Visa Card		7.5% cash back	Up to 2% cash back	19.99%	$39	Apply now More Info	Min. recommended credit score: 650	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).	Compare	loading Fetching your data...

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Name	Product	Welcome Offer	Rewards	Purchase Interest Rate	Annual Fee		Min. Credit Score	Description
Tangerine World Mastercard		Balance transfer offer	Up to 2% cash back	19.95%	$0	Apply now More Info	Min. recommended credit score: 680	Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).	Compare	loading Fetching your data...
BMO CashBack Mastercard		5% cash back	Up to 3% cash back	19.99%	$0	Apply now More Info	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.	Compare	loading Fetching your data...
SimplyCash Card from American Express		1.25% cash back	Up to 2.5% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 700	Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).	Compare	loading Fetching your data...
Choice Card from American Express		12,500 points	1 point per $1 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 700	Earn 12,500 Bonus Membership Rewards points within the first 3 months as a new Cardmember. Apply by May 5, 2021.	Compare	loading Fetching your data...
Tangerine Money-Back Credit Card		Balance transfer offer	Up to 2% cash back	19.95%	$0	Apply now More Info	Min. recommended credit score: 680	Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).	Compare	loading Fetching your data...
BMO Rewards Mastercard		10,000 points	Up to 2 points per $1 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 725	Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.	Compare	loading Fetching your data...
Home Trust Secured Visa		N/A	N/A	14.90% - 19.99%	$0	Apply now More Info	Min. recommended credit score: Any score	Choose from three card options: No Annual Fee ($0 annual fee, 19.99% purchase rate), Low Interest Rate ($59 annual fee, 14.90% purchase rate) or a Low Monthly Fee ($5 monthly fee, 14.90% purchase rate).	Compare	loading Fetching your data...
Brim Mastercard		Up to $200 worth of bonuses	1 point per $1 spent	19.99%	$0	Apply now More Info	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.	Compare	loading Fetching your data...
Shell AIR MILES Mastercard from BMO		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).	Compare	loading Fetching your data...
Shell CashBack Mastercard from BMO		$50 in cash back + 1% cash back	Up to 1.5% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	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.	Compare	loading Fetching your data...
BMO IGA AIR MILES Mastercard		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).	Compare	loading Fetching your data...
BMO Cashback Business Mastercard		10% cash back	Up to 1.75% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 650	Get 10% cash back on gas, office supplies, cell phone bills and internet bills for 3 months.	Compare	loading Fetching your data...
BMO AIR MILES Mastercard		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	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.	Compare	loading Fetching your data...
BMO AIR MILES Mastercard For Students		800 Miles	1 Mile per $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.	Compare	loading Fetching your data...
BMO CashBack Mastercard For Students		5% cash back	Up to 3% cash back	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get up to 5% cash back in the first three months (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers for 9 months (with a 1% transfer fee).	Compare	loading Fetching your data...
BMO Air Miles No-Fee Business Mastercard		1,000 Miles	1 Mile per $20 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 650	Get 1,000 AIR MILES Bonus Miles (over $100 towards your purchases with AIR MILES Cash).	Compare	loading Fetching your data...
BMO Sobeys AIR MILES Mastercard		800 Miles	Up to 3x Air Miles for every $25 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).	Compare	loading Fetching your data...
American Express AIR MILES Gold Business Card		150 Miles	1 Mile for every $15 - $20 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 700	Earn a Welcome Bonus of 150 AIR MILES when you spend at least $1,000 in eligible purchases within the first three months	Compare	loading Fetching your data...
Scotia Momentum No-Fee Visa Card		Up to 5% cash back	1% cash back	7.99% intro APR for the first 6 months, 19.99% thereafter	$0	Apply now More Info	Min. recommended credit score: 650	Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).Plus, get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by May 2, 2021.	Compare	loading Fetching your data...
Scotia Momentum Mastercard		Balance transfer offer	Up to 1% cash back	7.99% intro APR for the first 6 months, 20.99% thereafter	$0	Apply now More Info	Min. recommended credit score: 650	Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by July 1, 2021.	Compare	loading Fetching your data...
Scotiabank SCENE Visa Card		2,500 points	Up to 5 points per $1 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 650