25 tricks and hacks to meet your credit card’s minimum spend requirement

Reach your credit cards minimum spend requirement and get your signup bonus more quickly with these tips.

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There’s nothing like staring at a massive signup bonus and knowing it could be yours soon. The catch? You typically must spend a certain amount of money in a set time frame in order to claim it.

You don’t want to spend money unnecessarily just to hit the minimum spend requirements, as that might erase the value of your rewards altogether. Instead, deploy your card intelligently and spend mostly on the must-haves. That way, you’ll breeze by your spend requirement without shelling out extra dough or buying unnecessary things.

SimplyCash Preferred Card from American Express

SimplyCash Preferred Card from American Express

19.99 % APR

Purchase interest rate

Eligibility criteria, terms and conditions, fees and charges apply

SimplyCash Preferred Card from American Express

Apply today and receive 5% cashback (up to $300 cashback) in the first 6 months of card membership

  • Purchase interest rate: 19.99%
  • Cash advance rate: 22.99%
  • Balance transfer intro rate: 1.99% for the first 6 months
  • Regular balance transfer rate: 22.99%
  • Annual fee: $99
  • Credit rating: Good, Excellent
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Ready to hit that big signup bonus payday? Here are 25 super-effective hacks to hit your credit cards minimum spend requirement.

Pay for the essentials

You’ll find that you can use your card to buy things you’d spend money on regardless. As much as you can, make those purchases with your new card.

1. Use your card all the time.

Now that you have a new card, start using it for everything. Whatever you’re buying — your morning latte, movie tickets or your next book for nighttime reading — charge it to your credit card. Of course, use your card for everyday purchases like gas and groceries too.

You may even get bonus points or miles for certain types of spending such as at restaurants, gas stations or grocery stores.

2. Buy gift cards for your regular shopping.

Feel like you’re constantly making trips to a certain store? Consider using your credit card to buy gift cards for that location. You’ll get closer to your minimum spending requirement, and you can use the gift cards for purchases you’d make anyway.

For example, if you spend $100 a week at Walmart, you’ll spend over $1,000 within three months. You can use your credit card to buy a $1,000 Walmart gift card, then use the gift card for your shopping. If you’re worried about carrying a gift card with a large amount of money on it, buy multiple gift cards with smaller dollar amounts. You may even be able to send your gift card to your email address or smartphone.

Use this strategy at other locations you frequent, such as supermarkets and gas stations.

How to avoid cash advance transactions

Some card providers classify gift card purchases as cash advances. You want to avoid cash advances as much as you can, because they’re typically very expensive. To get around this, ask your credit card provider to set your cash advance limit to $0. Once you do this, any transaction coded as a cash advance will be declined.

3. Pay your bills.

Some utility, car insurance and home insurance companies allow credit card payments, and you can usually pay your cable and phone bills online using your credit card. If you’ve been paying directly from your savings or chequings account, see if you can use your credit card instead.

4. Pay your bills early.

Most people don’t know this, but you can actually prepay some of your bills. Confirm whether your service providers allow early payments. If they do, they probably limit how much you can prepay — though that limit will likely be high.

If you’re lucky, you may even get rewarded for paying early. Some providers — especially car insurance companies — offer discounts if you buy coverage a few months at a time.

5. Use bill payment services.

You often can’t pay your mortgage, car loan or rent with a credit card. However, some online services can pay bills on your behalf, accepting payment via credit card.

Plastiq is one example of a bill payment service you can try. For rent, look into Dwello and RentMoola.

To use a credit card, you’ll typically have to pay a service fee of 2% or 3%. That said, this method could help you rack up your spending more quickly.

Screenshot: RentMoola

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Tax hacks

Paying taxes is one of a few certain things in life. So why not time your credit card applications to coincide with tax season? That way, you can knock out your tax bill and quickly reach your card’s spending requirement.

6. Use a credit card processor to pay your taxes.

If you’re paying your taxes, you can use a bill payment service like Plastiq.

There is a catch: Payment processors charge fees for credit card payments — for example, Plastiq charge a maximum of 2.5%. This can certainly add up if you owe a lot in taxes, so consider using this method only if your card has a valuable signup bonus or you don’t owe much in taxes.

Screenshot: Plastiq

7. Pay your taxes in advance.

You can get a jump on your tax bill by paying your taxes well before the end of April. If you overpay, you’ll get a refund from the government after you file your tax return.

8. Pay quarterly taxes.

As a freelancer or a small business owner, if you anticipate owing more than $3,000 at tax time, you can pay quarterly income taxes. If you find yourself in this situation, you can leverage your tax payments to hit your credit card spend requirements more quickly.

Get help from others

You don’t have to reach your spending requirement on your own. In fact, you might be surprised how easy the process can be if you recruit some of your friends and family.

9. Add an authorized user.

If you regularly give money to your spouse or children, consider adding them as authorized users to your credit card account. Their spending may count toward your minimum spend requirement. As an added bonus, you might earn points, miles or cash back from their spending too.

Ask your card provider for the scoop on adding authorized users. You may have to pay fees when adding new cards, so consider whether the cost is worth the rewards you’ll get. Finally, remember that you’re ultimately responsible for the debt accumulated by your authorized users.

10. Add your friends as authorized users.

It’s unusual to add your friends as authorized users, but you can do so if you need extra help hitting your spend requirement. Your buddies can spend on your card account and pay you back later, but again, you’ll be completely responsible for their spending.

11. Pay for dinner.

The next time that dinner bill arrives, pay for the meal and ask your friends to pay you back. They can send you money via Interac or by using a handy payment app like PayPal or Google Wallet. Or, they could pay you the old school way — in cash.

This is an especially good tactic if your card gives you bonus points when you spend at restaurants.

Google wallet screenshot showing how the webpage shows on the computer and the cellphone

Screenshot: Google Wallet

12. Buy things for your friends.

Ask your friends if they’re looking to make large purchases. If they are, buy the items and have your friends pay you back.

You can also try paying for your friends’ weekly expenses, such as their grocery bills. This might come with more hassle, though, as the purchases will be smaller, and you’ll probably need to be there in person.

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Spend for the future

Certain expenses will come around sooner or later. Instead of waiting to spend money until you have to, spend while you’re trying to collect your signup bonus.

13. Book and pay for your vacation in full.

If you plan on taking a trip this year (or next year), consider charging it to your credit card. You can score some great deals if you book early, and you can usually cancel plans if you change your mind.

Some cards will give you bonus points or miles for travel spending, which can help you reach your spend requirement faster and let you reap any additional rewards.

14. Buy gifts in advance.

Birthdays and holidays come around like clockwork. That’s a good thing, because it means you can get a jump on your gift shopping. Plus, you can avoid the holiday-season retail rush.

15. Maintain your car.

If you’ve put off maintenance on your car, it could be a good time to get an inspection. You can also perform necessary repairs that you’d have to do later anyway.

16. Update your home.

Have you been waiting for the “right time” to renovate your home? Consider getting the job done by charging a few purchases to your card — now’s a great time to change the carpets or replace old appliances.

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Manufactured spending

Manufactured spending is a secret strategy in the travel-hacking community. In general, it involves buying things that you can easily liquidate to pay off your credit card.

Manufactured-spending strategies change all the time — especially when businesses and card providers make rules to circumvent them. Before using a method you see here, do some research to see if it’s still going to work.

17. Buy money orders with your credit card.

If your supermarket allows it, you can use your credit card to buy a money order. Afterward, deposit the money order into your bank account and pay off your credit card bill.

Most supermarkets don’t allow this due to the potential for fraud — though some smaller ones might. Furthermore, your card provider may classify money orders as cash advances, so first confirm that you won’t be hit with the fees associated with them.

18. Buy and resell items.

Consider using your credit card to buy merchandise — preferably at a discount — and then resell it.

Here’s a pro tip: Buy items through shopping portals like Aeroplan EStore or MBNA Rewards Mall. This way, you can earn travel rewards points on top of scooping up inventory.

19. Open a bank account.

Although it’s rare and hard to find, some banks may let you use your credit card to make deposits into a new account. With this method, first make sure your bank allows deposits by credit card. Then, make sure your card provider doesn’t classify your funding as a cash advance.

20. Gift card churning.

Gift card churning involves buying gift cards and then reselling them at a break-even price — or even a loss. You can buy and sell gift cards on platforms like Card Swap and eBay.

Screenshot: Card Swap

21. Payment-app cycling.

If you need a little boost ahead of your minimum-spend deadline, try payment-app cycling. Just use your credit card to send money through an app like PayPal — then have your recipient send the money back to you. Most card providers code these types of transfers as purchases, not cash advances (but make sure before you do it).

Watch out for apps or money sending services that charge a fee for credit card transfers — many do, so it’s best to use this strategy sparingly.

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Other powerful hacks

While at the end of our list, these hacks are just as good as anything else you can try.

22. Peer-to-peer lending.

To reach your minimum spending requirement, you don’t have to spend money — you can lend it.

That’s where peer-to-peer (P2P) lending comes in. You’ll give loans to other people and be repaid with interest. It’s essentially a way to park and even get a return on your money. Just make sure that you won’t need the money for a while.

P2P lending platforms in Canada include Lending Loop and Lendified. Or, if you’re OK with not earning a return on your money, consider micro-lending platforms like Kiva.

kiva webpage screenshot

23. Donate to charity.

Making charitable donations is a great way to get closer to your minimum spend. If you already donate every year, you now have a reason to do it earlier. If you’re not a regular donator, you can become one now. As an added benefit, most charitable gifts are tax-deductible.

24. Buy general-use gift cards.

Visa gift cards are a great choice because you can use them anywhere that accepts credit. Just remember that they have activation fees, and only buy them if your card provider doesn’t classify these purchases as cash advances.

25. Pay for business expenses.

You might use a company credit card for work-related expenses. If so, ask your employer if you can use your own credit card for those purchases and get reimbursed later.

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Compare credit cards

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Min. Credit Limit Benefits with this card Description
American Express Cobalt Card
19.99%
22.99%
$120
N/A
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.
Earn up to 40,000 Membership Rewards points. In the first year, earn 2,500 Membership Rewards points for each billing period when you charge at least $500 in eligible purchases to your card (for a total earn of up to 30,000 Membership Rewards). Plus, earn up to 10,000 Membership Rewards points when you spend a total of $3,000 in purchases in your first three months.
The Platinum Card from American Express
N/A
N/A
$699
N/A
N/A
Earn 3 Membership Rewards points for every $1 spent on eligible dining in Canada, 2 Membership Rewards points for every $1 spent on eligible travel purchases as well as hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases.
Earn a Welcome Bonus of 50,000 Membership Rewards points when you spend at least $3,000 on eligible purchases within the first three months.
BMO World Elite Mastercard
19.99%
22.99%
$0 annual fee for the first year ($150 thereafter)
$80,000
N/A
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).
Earn a bonus of up to 35,000 BMO Rewards points with a minimum spend of $3,000 on eligible purchases in the first three months of card membership ($250 travel value to be used towards a flight booked through bmorewards.com). Plus, get the $150 annual fee waived in the first year. Apply by May 3, 2020.
Scotiabank Passport  Visa Infinite Card
19.99%
22.99%
$139
$60,000
$5,000
Earn 2 Scotia Rewards points for every $1 spent on eligible grocery store, dining, entertainment and daily transit purchases, and earn 1 Scotia Rewards point for every $1 spent elsewhere.
Earn up to a total bonus of 35,000 Scotia Rewards points (a $350 value). Earn 25,000 Scotia Rewards points when you spend at least $1,000 on eligible purchases in the first 3 months ($250 value). Apply by March 1, 2020. Plus, earn 10,000 Scotia Rewards points each year when you spend at least $40,000 annually on eligible purchases (up to $100 value).
Tangerine World Mastercard
19.95%
19.95%
$0
$60,000
N/A
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.
Earn a $250 Bonus when you spend at least $5,000 on eligible everyday purchases in your first three months as a new cardholder. Apply online by March 31, 2020. Plus, get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
SimplyCash Preferred Card from American Express
19.99%
22.99%
$99
N/A
N/A
Earn 2% cash back on all eligible purchases.
Earn 5% cash back on all eligible purchases in your first six months (up to a maximum spend of $6,000, or $300 in cash back). Plus, get a rate of 1.99% on balance transfers for the first six months with no balance transfer fee. Transfer up to 50% of your credit limit or $7,500, whichever is less. This offer is only available at the time of online application.
BMO CashBack World Elite Mastercard
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
$80,000
N/A
Earn 1.5% cash back on all eligible purchases.
Get up to 5% cash back on all eligible purchases made within the first 3 months (up to a maximum spend of $4,000). Plus, get the first year annual fee of $120 waived. Apply by April 30, 2020.
Scotia Momentum  No-Fee Visa Card
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
$12,000
$500
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 everything else.
Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by March 1, 2020.
American Express AIR MILES Platinum Credit Card
20.99%
22.99%
$120
N/A
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 2,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months. Plus, get a rate of 1.99% on balance transfers for the first six months with no balance transfer fee. Transfer up to 50% of your credit limit or $7,500, whichever is less. This offer is only available at the time of online application.
American Express Business Edge Card
19.99%
22.99%
$99
N/A
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.

Compare up to 4 providers

Name Product Purchase Interest Rate Balance Transfer Rate Annual Fee Minimum Income Credit Rating Reward Description
Tangerine World Mastercard
19.95%
1.95% for the first 6 months (then 19.95%)
$0
$60,000
650+ recommended credit score
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.
Earn a $250 Bonus when you spend at least $5,000 on eligible everyday purchases in your first three months as a new cardholder. Apply online by March 31, 2020. Plus, get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
Scotiabank Value Visa Card
12.99%
0.99% for the first 6 months (then 12.99%)
$29
$12,000
650+ recommended credit score
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 March 1, 2020.
SimplyCash Preferred Card from American Express
19.99%
1.99% for the first 6 months (then 22.99%)
$99
N/A
Good, Excellent
Earn 2% cash back on all eligible purchases.
Earn 5% cash back on all eligible purchases in your first six months (up to a maximum spend of $6,000, or $300 in cash back). Plus, get a rate of 1.99% on balance transfers for the first six months with no balance transfer fee. Transfer up to 50% of your credit limit or $7,500, whichever is less. This offer is only available at the time of online application.
SimplyCash Card from American Express
19.99%
1.99% for the first 6 months (then 22.99%)
$0
N/A
Good, Excellent
1.25% cash back rate on all purchases when your welcome offer ends. No cap.
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). Plus, get a rate of 1.99% on balance transfers for the first six months with no balance transfer fee. Transfer up to 50% of your credit limit or $7,500, whichever is less. This offer is only available at the time of online application.
Tangerine Money-Back Credit Card
19.95%
1.95% for the first 6 months (then 19.95%)
$0
$12,000
650+ recommended credit score, good to excellent credit rating
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.
Earn a $250 Bonus when you spend at least $5,000 on eligible everyday purchases in your first three months as a new cardholder. Apply online by March 31, 2020. Plus, get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
BMO Preferred Rate Mastercard
12.99%
3.99% for the first 9 months (then 12.99%)
$20
$15,000
Good
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 refunded in the first year. Apply by October 31, 2020.
No-Fee Scotiabank Value Visa Card
16.99%
3.99% for the first 6 months (then 16.99%)
$0
$12,000
650+ recommended credit score
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 March 1, 2020.
BMO CashBack Mastercard For Students
19.99%
1.99% for the first 9 months (then 22.99%)
$0
$15,000
Good
Get 1% cash back on all eligible purchases.
Get up to 5% cash back in the first three months (up to a maximum spend of $2,000). Apply by April 30, 2020. Get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
BMO AIR MILES Mastercard
19.99%
1.99% for the first 9 months (then 22.99%)
$0
$15,000
Good
Get 2 AIR MILES for every $20 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $20 spent elsewhere.
Earn up to 800 AIR MILES Bonus Miles. Receive 400 AIR MILES when you make your first eligible purchase and earn 400 AIR MILES when you spend a minimum of $1,000 on eligible purchases within the first three months. Apply by March 3, 2020. Plus, get a rate of 1.99% on balance transfers for 9 months with a 1% transfer fee.
BMO CashBack Mastercard
19.99%
1.99% for the first 9 months (then 22.99%)
$0
$15,000
Good
Get 1% cash back on all eligible purchases.
Get up to 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 1% cash back thereafter). Apply by April 30, 2020. Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.

Compare up to 4 providers

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Min. Credit Limit Benefits with this card Description
American Express Cobalt Card
19.99%
22.99%
$120
N/A
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.
Earn up to 40,000 Membership Rewards points. In the first year, earn 2,500 Membership Rewards points for each billing period when you charge at least $500 in eligible purchases to your card (for a total earn of up to 30,000 Membership Rewards). Plus, earn up to 10,000 Membership Rewards points when you spend a total of $3,000 in purchases in your first three months.
Scotiabank Gold American Express Card
19.99%
22.99%
$120
$12,000
$5,000
Earn 5 Scotia Rewards points per $1 spent on groceries, dining and entertainment, 3 points per $1 spent on gas, transportation and streaming services, and 1 point per $1 spent elsewhere.
Earn 20,000 bonus Scotia Rewards points when you spend at least $1,000 on eligible purchases in the first 3 months. Apply by March 1, 2020.
The Platinum Card from American Express
N/A
N/A
$699
N/A
N/A
Earn 3 Membership Rewards points for every $1 spent on eligible dining in Canada, 2 Membership Rewards points for every $1 spent on eligible travel purchases as well as hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases.
Earn a Welcome Bonus of 50,000 Membership Rewards points when you spend at least $3,000 on eligible purchases within the first three months.
Scotiabank Passport  Visa Infinite Card
19.99%
22.99%
$139
$60,000
$5,000
Earn 2 Scotia Rewards points for every $1 spent on eligible grocery store, dining, entertainment and daily transit purchases, and earn 1 Scotia Rewards point for every $1 spent elsewhere.
Earn up to a total bonus of 35,000 Scotia Rewards points (a $350 value). Earn 25,000 Scotia Rewards points when you spend at least $1,000 on eligible purchases in the first 3 months ($250 value). Apply by March 1, 2020. Plus, earn 10,000 Scotia Rewards points each year when you spend at least $40,000 annually on eligible purchases (up to $100 value).
BMO AIR MILES World Elite Mastercard
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
$80,000
N/A
Get 1 AIR MILE for every $10 spent on eligible purchases.
Earn a bonus of up to 3,000 AIR MILES. Receive 1,000 AIR MILES when you make your first eligible purchase with your card, and receive 2,000 AIR MILES when you spend a minimum of $3,000 on eligible purchases in the first three months. Plus, get the annual fee of $120 waived in the first year. Apply by March 3, 2020.
American Express AIR MILES Platinum Credit Card
20.99%
22.99%
$120
N/A
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 2,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months. Plus, get a rate of 1.99% on balance transfers for the first six months with no balance transfer fee. Transfer up to 50% of your credit limit or $7,500, whichever is less. This offer is only available at the time of online application.
American Express AeroplanPlus Platinum Card
N/A
N/A
$499
N/A
N/A
Earn 1.25 Aeroplan Miles for every $1 spent up to the first $25,000 annual spend, and earn 1.5 Aeroplan Miles for every $1 spent over $25,000.
Receive 40,000 bonus Aeroplan Miles after spending $3,000 in the first three months of card membership.
BMO World Elite Mastercard
19.99%
22.99%
$0 annual fee for the first year ($150 thereafter)
$80,000
N/A
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).
Earn a bonus of up to 35,000 BMO Rewards points with a minimum spend of $3,000 on eligible purchases in the first three months of card membership ($250 travel value to be used towards a flight booked through bmorewards.com). Plus, get the $150 annual fee waived in the first year. Apply by May 3, 2020.
Scotiabank American Express Card
19.99%
22.99%
$0
$12,000
$1,000
Earn 1 Scotia Rewards point for every $1 spent on eligible purchases.
Earn 5,000 bonus Scotia Rewards points when you spend $500 on eligible purchases within the first 3 months. Apply by March 1, 2020.
Shell AIR MILES Mastercard from BMO
19.99%
22.99%
$0
$15,000
N/A
Get 2 AIR MILES for every $20 spent at participating AIR MILES Partners, and get 1 AIR MILE for every $20 spent on eligible purchases elsewhere.
Earn up to 800 AIR MILES Bonus Miles. Receive 400 AIR MILES when you make your first eligible purchase with your card, and earn 400 AIR MILES when you spend a minimum of $1,000 on eligible purchases in your first three months. Apply by March 03, 2020.

Compare up to 4 providers

Name Product Purchase Interest Rate Cash Advance Rate Cash Back Rate Annual Fee Reward
SimplyCash Preferred Card from American Express
19.99%
22.99%
2%
$99
Earn 2% cash back on all eligible purchases.
Earn 5% cash back on all eligible purchases in your first six months (up to a maximum spend of $6,000, or $300 in cash back). Plus, get a rate of 1.99% on balance transfers for the first six months with no balance transfer fee. Transfer up to 50% of your credit limit or $7,500, whichever is less. This offer is only available at the time of online application.
Tangerine Money-Back Credit Card
19.95%
19.95%
2%
$0
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.
Earn a $250 Bonus when you spend at least $5,000 on eligible everyday purchases in your first three months as a new cardholder. Apply online by March 31, 2020. Plus, get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
SimplyCash Card from American Express
19.99%
22.99%
1.25%
$0
1.25% cash back rate on all purchases when your welcome offer ends. No cap.
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). Plus, get a rate of 1.99% on balance transfers for the first six months with no balance transfer fee. Transfer up to 50% of your credit limit or $7,500, whichever is less. This offer is only available at the time of online application.
Scotia Momentum Visa Infinite Card
20.99%
22.99%
4%
$120
Earn 4% cash back per $1 spent on groceries & recurring bill payments, 2% per $1 spent on gas & public transit, and 1% per $1 spent on everything else.
Get 10% cash back on all eligible purchases for the first 3 months (up to $2,000 in total purchases). Plus, pay no annual fee in the first year, including on supplementary cards. (A total Welcome Offer value of $350). Apply online by April 30, 2020.
Scotia Momentum  Mastercard Credit Card
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
1%
$0
Earn 1% cash back on all eligible purchases at gas stations, grocery stores, drug stores and on recurring bill payments, and earn 0.5% cash back on all other spend.
Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months (and 19.99% thereafter). Apply by March 1, 2020.
Scotia Momentum  No-Fee Visa Card
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
1%
$0
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 everything else.
Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by March 1, 2020.
Scotia Momentum Visa Card
19.99%
22.99%
2%
$39
Earn 2% cash back on all eligible purchases at gas stations, grocery stores, drug stores and on recurring bill payments (up to a $25,000 annual spend), and earn 1% cash back on all other spend (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 March 1, 2020.
Shell CashBack Mastercard from BMO
19.99%
22.99%
1.5%
$0
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. Apply by March 31, 2020.
BMO CashBack Mastercard For Students
19.99%
22.99%
1%
$0
Get 1% cash back on all eligible purchases.
Get up to 5% cash back in the first three months (up to a maximum spend of $2,000). Apply by April 30, 2020. Get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
Scotiabank GM Visa Infinite Card
19.99%
22.99%
5%
$0 annual fee for the first year ($79 thereafter)
Earn 5% in GM Earnings on the first $10,000 annual spend, and earn 2% in GM Earnings thereafter.
Get the annual fee waived in the first year on the primary card as well as any supplementary cards. Apply by March 1, 2020.

Compare up to 4 providers

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Min. Credit Limit Benefits with this card Description
Scotiabank SCENE Visa Card
19.99%
22.99%
$0
$12,000
$500
Earn 5 SCENE points per $1 spent at Cineplex theatres or cineplex.com, and earn 1 SCENE point per $1 spent on eligible purchases elsewhere.
Earn 2,500 bonus SCENE points when you spend a minimum of $500 on eligible purchases in the first three months. Apply by March 1, 2020.
Scotia Momentum  No-Fee Visa Card
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
$12,000
$500
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 everything else.
Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by March 1, 2020.
BMO AIR MILES Mastercard
19.99%
22.99%
$0
$15,000
N/A
Get 2 AIR MILES for every $20 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $20 spent elsewhere.
Earn up to 800 AIR MILES Bonus Miles. Receive 400 AIR MILES when you make your first eligible purchase and earn 400 AIR MILES when you spend a minimum of $1,000 on eligible purchases within the first three months. Apply by March 3, 2020. Plus, get a rate of 1.99% on balance transfers for 9 months with a 1% transfer fee.
BMO Rewards Mastercard
19.99%
22.99%
$0
$15,000
N/A
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.
Earn a bonus of up to 20,000 BMO Rewards points. Earn 10,000 BMO Rewards points when you make your first eligible purchase, and earn 10,000 BMO Rewards points when you spend a minimum of $1,000 on eligible purchases in the first three months. Apply by May 3, 2020. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
Tangerine Money-Back Credit Card
19.95%
19.95%
$0
$12,000
N/A
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.
Earn a $250 Bonus when you spend at least $5,000 on eligible everyday purchases in your first three months as a new cardholder. Apply online by March 31, 2020. Plus, get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
BMO IGA AIR MILES Mastercard
19.99%
22.99%
$0
$15,000
N/A
Get 2 AIR MILES for every $20 spent on eligible purchases at IGA stores and at participating AIR MILES partners, and get 1 AIR MILE for every $20 spent elsewhere.
Get up to 800 AIR MILES Bonus Miles. Earn 400 Bonus Miles when you make your first eligible purchase and earn 400 Bonus Miles when you spend at least $1,000 in the first three months. Apply by March 3, 2020.
Tangerine World Mastercard
19.95%
19.95%
$0
$60,000
N/A
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.
Earn a $250 Bonus when you spend at least $5,000 on eligible everyday purchases in your first three months as a new cardholder. Apply online by March 31, 2020. Plus, get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
Scotiabank GM Visa Card
19.99%
22.99%
$0
$12,000
$500
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.
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. For every $1 in GM Earnings, you’ll get $1 off the purchase price or lease of a new GM, Chevrolet, Buick, GMC or Cadillac.
Scotia Momentum  Mastercard Credit Card
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
$12,000
$500
Earn 1% cash back on all eligible purchases at gas stations, grocery stores, drug stores and on recurring bill payments, and earn 0.5% cash back on all other spend.
Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months (and 19.99% thereafter). Apply by March 1, 2020.
BMO CashBack Mastercard
19.99%
22.99%
$0
$15,000
N/A
Get 1% cash back on all eligible purchases.
Get up to 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 1% cash back thereafter). Apply by April 30, 2020. Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.