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
  • Minimum age: Age of majority in province/territory of residence.
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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.Back to top

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.Back to top

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.Back to top

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.

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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.

Compare credit cards

Name Product Welcome Offer Reward Purchase Interest Rate Cash Advance Rate Annual Fee
Earn 2,500 points with minimum spend of $500 for each billing period. Up to 30,000 bonus points in your first year.
Earn 5x points on eligible eats and drinks, including groceries and food delivery, 2x points on transit, gas, travel purchases, and 1 point on all other spend.
19.99%
22.99%
$120
Earn 5x the points on eligible eats and drinks, including groceries and food delivery, 2x points on transit, gas, travel purchases, and 1 point on all other spend.
Earn up to 35,000 bonus Scotia Rewards points in your first year of card membership.
Earn 2 Scotia Rewards points per $1 spent on eligible purchases.
19.99%
22.99%
$139
Earn 2 Scotia Rewards points per $1 spent on eligible purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
Get up to 3,000 AIR MILES Bonus Miles with minimum spend of $3,000 in the first three months, plus a first year annual fee waiver. Ends 31 October 2019.
Earn 1 mile per $10 spend in purchases.
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Receive 2,000 bonus AIR MILES® when you spend $1,500 within the first three months of membership.
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 35,000 BMO Rewards bonus points with minimum spend of $3,000 in the first three months of card membership. Ends 31 October 2019.
Earn 3 BMO Rewards points per $1 spent on dining, travel and entertainment purchases.
19.99%
22.99%
$0 annual fee for the first year ($150 thereafter)
Offers 35,000 BMO Rewards bonus points upon minimum spend of $3,000 in the first three months of card membership. Ends 31 October 2019.
Receive 5% cashback (up to $300 cashback) in the first six months.
Get 2% cashback on all purchases. No cap and no limit.
19.99%
22.99%
$99
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 31 October 2019.
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Get 5% cash back in the first three months of card membership with first year annual fee waiver. Ends 30 November 2019.
Earn 1.5% cash back on all purchases. No cap and no limit.
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
Get 5% cash back in the first three months of card membership with a first year annual fee waiver. Ends 30 November 2019.
Offers a 0.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends 31 October 2019.
Save on interest by consolidating your higher-rate balances and get a low 12.99% purchase interest rate.
12.99%
12.99%
$29
Save on interest by consolidating your higher-rate balances and get a low 12.99% purchase interest rate.
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 2x AIR MILES reward miles per $20 spent at eligible partners and 1 mile for all other purchases.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Shell AIR MILES World MasterCard from BMO
Shell AIR MILES World MasterCard from BMO
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Earn 1.25 AIR MILES reward miles at Shell stations in Canada.
19.99%
22.99%
$99
Earn 1.25x Miles on card purchases at participating Shell stations in Canada.
Offers 5,000 Bonus Aeroplan Miles when you spend $500 in the first three months of membership. For new cardmembers only.
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 170 Aeroplan partner brands.
N/A
N/A
$60
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 170 Aeroplan partner brands.
Get $50 limited bonus cash back upon first spend. Ends 31 October 2019.
Earn 1.5% cash back per $1 spent at Shell stations in Canada
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Get 2,500 bonus SCENE points with min. spend of $500 in the first three months. Ends 31 October 2019.
Earn 1 SCENE point per $1 spent on all purchases, plus 5 SCENE points for every $1 spent at Cineplex Entertainment theatres or cineplex.com.
19.99%
22.99%
$0
Save with no annual fee and earn 1 SCENE point for every $1 spent on all purchases.
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months.
Get free annual partner ticket and unlimited access to Air Canada®** Maple Leaf Lounges as well as Air Canada®** priority check-in.
N/A
N/A
$499
Get free annual partner ticket and unlimited access to Air Canada®** Maple Leaf Lounges as well as Air Canada®** priority check-in.
Offers up to 20,000 BMO Rewards welcome points upon minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 1 BMO Rewards point for every $1 spent.
19.99%
22.99%
$0
Offers a 1.99% balance transfer intro rate for the first nine months to new cardmembers.
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months.
Earn 2x AIR MILES reward miles per $20 spent at eligible partners and IGA stores and 1 miles for all other purchases.
19.99%
22.99%
$0
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Earn 2.5% cash back (up to $150 cash back) in the first three months.
1.25% cash back rate on all purchases when your welcome offer ends. No cap.
19.99%
22.99%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Receive an annual fee rebate when you spend a minimum of US$1,000 in a year.
Annual fee rebate with minimum spend of US$1,000 per year.
19.99%
22.99%
$35 USD
Receive an annual fee rebate when you spend a minimum of US$1,000 in a year.
Offers a 3.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends 31 October 2019.
Save with a low interest rate and no annual fee
16.99%
16.99%
$0
Save with a low interest rate and no annual fee.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Balance Transfer Rate Annual Fee Credit Rating
Offers a 0.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends 31 October 2019.
12.99%
0.99% for the first 6 months (then 12.99%)
$29
650+ recommended credit score
Save on interest by consolidating your higher-rate balances and get a low 12.99% purchase interest rate.
Receive 5% cashback (up to $300 cashback) in the first six months.
19.99%
1.99% for the first 6 months (then 22.99%)
$99
Good, Excellent
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
Earn 2.5% cash back (up to $150 cash back) in the first three months.
19.99%
1.99% for the first 6 months (then 22.99%)
$0
Good, Excellent
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
19.95%
1.95% for the first 6 months (then 19.95%)
$0
650+ recommended credit score
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
Offers a 3.99% balance transfer intro rate in the first nine months to new cardmembers.
12.99%
3.99% for the first 9 months (then 12.99%)
$20
Good
Offers a 3.99% balance transfer intro rate for nine months to new cardmembers.
Offers a 3.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends 31 October 2019.
16.99%
3.99% for the first 6 months (then 16.99%)
$0
650+ recommended credit score
Save with a low interest rate and no annual fee.
Receive 2,000 bonus AIR MILES® when you spend $1,500 within the first three months of membership.
19.99%
1.99% for the first 6 months (then 22.99%)
$65
Good, Excellent
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Receive 2,400 AIR MILES® when you spend $3,000 within first three months of membership.
19.99%
1.99% for the first 6 months (then 22.99%)
$299
Good, Excellent
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Earn up to 800 AIR MILES bonus miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
19.99%
1.99% for the first 9 months (then 22.99%)
$0
Good
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Get 5% cash back with minimum spend of $2,000 in the first three months of card membership. Ends 30 November 2019.
19.99%
1.99% for the first 9 months (then 22.99%)
$0
Good
Offers a 1.99% balance transfer intro rate for nine months to new cardmembers.
Offers a 2.99% introductory balance transfer rate for the first 6 months. Ends 31 October 2019.
19.99%
2.99% for the first 6 months (then 22.99%)
$39
650+ recommended credit score
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.
Offers up to 20,000 BMO Rewards welcome points upon minimum spend of $1,000 in the first three months. Ends 31 October 2019.
19.99%
1.99% for the first 9 months (then 22.99%)
$0
Very Good
Offers a 1.99% balance transfer intro rate for the first nine months to new cardmembers.

Compare up to 4 providers

Name Product Welcome Offer Reward Purchase Interest Rate Cash Advance Rate Annual Fee
Get up to 30,000 bonus Scotia Rewards points in your first year of card membership (up to $300 in rewards). Ends 30 December 2019.
Earn 5 Scotia Rewards points per $1 spent on groceries, dining and entertainment, 3 points on gas, transportation and streaming services.
19.99%
22.99%
$120
Earn 5 Scotia Rewards points per $1 spent on groceries, dining and entertainment, 3 points on gas, transportation and streaming services.
Earn 2,500 points with minimum spend of $500 for each billing period. Up to 30,000 bonus points in your first year.
Earn 5x points on eligible eats and drinks, including groceries and food delivery, 2x points on transit, gas, travel purchases, and 1 point on all other spend.
19.99%
22.99%
$120
Earn 5x the points on eligible eats and drinks, including groceries and food delivery, 2x points on transit, gas, travel purchases, and 1 point on all other spend.
Earn up to 35,000 bonus Scotia Rewards points in your first year of card membership.
Earn 2 Scotia Rewards points per $1 spent on eligible purchases.
19.99%
22.99%
$139
Earn 2 Scotia Rewards points per $1 spent on eligible purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
Get up to 3,000 AIR MILES Bonus Miles with minimum spend of $3,000 in the first three months, plus a first year annual fee waiver. Ends 31 October 2019.
Earn 1 mile per $10 spend in purchases.
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Receive 2,000 bonus AIR MILES® when you spend $1,500 within the first three months of membership.
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months.
Get free annual partner ticket and unlimited access to Air Canada®** Maple Leaf Lounges as well as Air Canada®** priority check-in.
N/A
N/A
$499
Get free annual partner ticket and unlimited access to Air Canada®** Maple Leaf Lounges as well as Air Canada®** priority check-in.
Offers 5,000 Bonus Aeroplan Miles when you spend $500 in the first three months of membership. For new cardmembers only.
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 170 Aeroplan partner brands.
N/A
N/A
$60
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 170 Aeroplan partner brands.
Offers 35,000 BMO Rewards bonus points with minimum spend of $3,000 in the first three months of card membership. Ends 31 October 2019.
Earn 3 BMO Rewards points per $1 spent on dining, travel and entertainment purchases.
19.99%
22.99%
$0 annual fee for the first year ($150 thereafter)
Offers 35,000 BMO Rewards bonus points upon minimum spend of $3,000 in the first three months of card membership. Ends 31 October 2019.
Receive 5% cashback (up to $300 cashback) in the first six months.
Get 2% cashback on all purchases. No cap and no limit.
19.99%
22.99%
$99
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
Get 5,000 bonus Scotia Rewards points upon min. spend of $500 on eligible purchases within the first 3 months. Ends 31 October 2019.
Earn 1 Scotia Rewards point per $1 spent on eligible purchases.
19.99%
22.99%
$0
Earn 1 Scotia Rewards point per $1 spent on eligible purchases.
Get up to 15,000 Aeroplan Miles and pay no annual fee for the first year. Conditions apply. Ends 3 September 2019.
Earn 1 Aeroplan Mile for every $1 spent on eligible grocery, gas and drugstore purchases and 1 mile for every $1.50 spent on other purchases.
19.99%
22.99%
$89
Earn 1 Aeroplan Mile for every $1 spent on eligible grocery, gas and drugstore purchases and 1 mile for every $1.50 spent on other purchases.
Get up to 50,000 Aeroplan Miles. Conditions apply. Ends 3 September 2019.
Get 1.5 miles for every $1 spent on eligible grocery, gas, drugstore and Air Canada®** purchases and 1.25 miles for every $1 spent elsewhere.
19.99%
22.99%
$399
Get 1.5 miles for every $1 spent on eligible grocery, gas, drugstore and Air Canada®** purchases and 1.25 miles for every $1 spent elsewhere.
Get 5,000 TD Rewards Points when your account is active and in good standing for 90 days after account opening (excluding Quebec residents). Ends 3 September 2019.
Earn 2 TD Rewards Points per $1 spent on eligible dining and bill spending, 3 points per $1 spent on travel bookings via ExpediaForTD.com and 1 point per $1 spent elsewhere.
19.99%
22.99%
$0
Earn 2 TD Rewards Points per $1 in grocery, restaurant, fast food purchases and regularly recurring bill payments, 3 points per $1 spent on ExpediaForTD.com travel bookings and 1 point per $1 spent elsewhere.
Get up to 25,000 Aeroplan Miles and pay no Annual Fee for the first year. Conditions apply. Ends 3 September 2019.
Earn 1.5 miles for every $1 spent on eligible grocery, gas, drugstore and aircanada.com purchases and 1 mile for every $1 spent elsewhere. T&C's apply.
19.99%
22.99%
$120
Earn 1.5 miles for every $1 spent on eligible grocery, gas, drugstore and Air Canada purchases and 1 mile for every $1 spent elsewhere. T&Cs apply.
Get up to 80,000 TD Points and pay no Annual Fee for the first year. Conditions apply. Ends 3 September 2019.

Earn 9 TD Points per $1 spent on Expedia For TD online, 6 points per $1 spent on Expedia For TD phone bookings and 3 points per $1 spent elsewhere.
19.99%
22.99%
$120
Earn 9 TD Points per $1 spent on Expedia For TD online, 6 points per $1 spent on Expedia For TD phone bookings and 3 points per $1 spent elsewhere.
Earn $25 cash back if your account is active and in good standing within 90 days of account opening. Ends 20 September 2019.
Earn 1% in cash back on eligible groceries, gas, and bill payments and 0.5% in cash back on all other purchases.
19.99%
22.99%
$0
Earn 1% in cash back on eligible groceries, gas, and bill payments and 0.5% in cash back on all other purchases.
Get up to 35,000 TD Rewards Points and pay no Annual Fee for the first year. Conditions apply. Ends 3 September 2019.
Earn 5 TD Points per $1 when you book travel online through Expedia For TD, 3 points for grocery and bill payments and 2 points on all other spend.
19.99%
22.99%
$89
Earn 5 TD Points per $1 spent on ExpediaForTD.com travel bookings, 3 points on grocery and bill payments and 2 points on all other spend.
Earn 10% cash back on all purchases for the first 3 months (up to a total spend of $2,000). Ends 20 September 2019.
Get 3% cash back on eligible groceries, gas and bill payments and 1% cash back on all other purchases.
20.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
Get 3% cash back on eligible groceries, gas and bill payments and 1% cash back on all other purchases.
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 2x AIR MILES reward miles per $20 spent at eligible partners and 1 mile for all other purchases.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Get $50 limited bonus cash back upon first spend. Ends 31 October 2019.
Earn 1.5% cash back per $1 spent at Shell stations in Canada
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 2x AIR MILES reward miles per $20 spent at Sobeys stores and 1 miles for all other purchases.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
First year annual fee waived for new cardholders. Ends 31 October 2019.

Earn 4% cash back on groceries & recurring bill payments, 2% on gas & public transit and 1% on all other spend.
20.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
Save with no annual fee for the first year. Ends 31 October 2019.
Receive 50,000 bonus Marriott Bonvoy™ points when you charge $1,500 in the first three months of card membership.
Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties and 2 points on all other spend.
19.99%
22.99%
$120
Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties and 2 points on all other spend.
Offers 2,000 bonus AIR MILES® when you spend $5,000 within the first 3 months of membership.
Earn 1 AIR MILES® for every $10 spent at eligible AIR MILES® Partners* and 1 mile for every $15 spent anywhere else
N/A
N/A
$180
Earn 1 AIR MILES® for every $10 spent at eligible AIR MILES® Partners* and 1 mile for every $15 spent anywhere else.
Receive 50,000 Marriott Bonvoy™ points when you charge $1,500 in the first 3 months of card membership.
Earn 5 Marriott Bonvoy™ points per dollar spent at participating Marriott Bonvoy™ properties, 3 points on eligible gas, dining and travel and 2 points on all other spend.
19.99%
22.99%
$150
Earn 5 Marriott Bonvoy™ points per dollar spent at participating Marriott Bonvoy™ properties, 3 points on eligible gas, dining and travel and 2 points on all other spend.
Receive 25,000 bonus Membership Rewards points when you spend $1,500 within the first three months of membership.
Earn 2 Membership Rewards points for every $1 spent on eligible travel, gas, grocery and drug store purchases and 1 point for every $1 spent elsewhere
N/A
N/A
$150
Earn 2 Membership Rewards points for every $1 spent on eligible travel, gas, grocery and drug store purchases and 1 point for every $1 spent elsewhere.
Shell AIR MILES World MasterCard from BMO
Shell AIR MILES World MasterCard from BMO
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Earn 1.25 AIR MILES reward miles at Shell stations in Canada.
19.99%
22.99%
$99
Earn 1.25x Miles on card purchases at participating Shell stations in Canada.
Receive 50,000 bonus Membership Rewards points when you spend $3,000 within the first three months of membership.
Earn 3 Membership Rewards points for every $1 spent on eligible dining, 2 points on eligible travel purchases and 1 point on all other spend
N/A
N/A
$699
Earn 3 Membership Rewards points for every $1 spent on eligible dining, 2 points on eligible travel purchases and 1 point on all other spend.
Receive 2,400 AIR MILES® when you spend $3,000 within first three months of membership.
1.99% balance transfer offer in the first 6 months. No balance transfer fee upon application
19.99%
22.99%
$299
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Receive 40,000 points when you spend $5,000 within first three months of membership.
Earn 1.25 points for every dollar you spend with no limit to the number of points you can accumulate
N/A
N/A
$499
Earn 1.25 points for every dollar you spend with no limit to the number of points you can accumulate.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 31 October 2019.
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Earn 2.5% cash back (up to $150 cash back) in the first three months.
1.25% cash back rate on all purchases when your welcome offer ends. No cap.
19.99%
22.99%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Waived annual fee for the first year of card membership. Ends 31 October 2019.
Get up to 5% in GM Earnings upon initial spend of $10,000 in the first year and 2% subsequently
19.99%
22.99%
$0 annual fee for the first year ($79 thereafter)
Get up to 5% in GM Earnings upon initial spend of $10,000 in the first year and 2% subsequently.
Earn up to 800 AIR MILES bonus miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 2x AIR MILES reward miles per $20 spend at eligible AIR MILES partners.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Get 5% cash back in the first three months of card membership with first year annual fee waiver. Ends 30 November 2019.
Earn 1.5% cash back on all purchases. No cap and no limit.
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
Get 5% cash back in the first three months of card membership with a first year annual fee waiver. Ends 30 November 2019.
Offers 150 AIR MILES® when you spend $1,000 within the first 3 months of membership.
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
19.99%
22.99%
$0
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
Get 2,500 bonus SCENE points with min. spend of $500 in the first three months. Ends 31 October 2019.
Earn 1 SCENE point per $1 spent on all purchases, plus 5 SCENE points for every $1 spent at Cineplex Entertainment theatres or cineplex.com.
19.99%
22.99%
$0
Save with no annual fee and earn 1 SCENE point for every $1 spent on all purchases.
Receive 30,000 bonus Scotia Rewards points upon first eligible purchase within the first two months. Ends 31 October 2019.
Earn 4x Scotia Rewards points per $1 spent at grocery stores, gas stations, dining and entertainment purchases.
19.99%
22.99%
$399
Earn 4x Scotia Rewards points per $1 spent at grocery stores, gas stations, dining and entertainment purchases.
Get 5% cash back with minimum spend of $2,000 in the first three months of card membership. Ends 30 November 2019.
Earn 1% cash back on all other purchases. No caps, no limit.
19.99%
22.99%
$0
Offers a 1.99% balance transfer intro rate for nine months to new cardmembers.
Receive 5,000 bonus Scotia Rewards points upon first eligible purchase within the first 2 months. Ends 31 October 2019.
Get 5% cash back on travel purchases via Scotia Rewards Travel Service and earn 1 Scotia Rewards point for every $1 spent on daily purchases.
19.99%
22.99%
$110
Get 5% cash back on travel purchases via Scotia Rewards Travel Service and earn 1 Scotia Rewards point for every $1 spent on daily purchases.
Offers a 2.99% introductory balance transfer rate for the first 6 months. Ends 31 October 2019.
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.
19.99%
22.99%
$39
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.
Receive a 7.99% introductory interest rate on all spend for the first six months. Ends 31 October 2019.
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments, plus an additional 0.5% cash back on all other spend.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments.
Shell CashBack World MasterCard® from BMO
Shell CashBack World MasterCard® from BMO
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend
19.99%
22.99%
$79
Earn 3% cash back at Shell stations in Canada, plus 1.25% cash back on all other spend.
Offers 15,000 bonus Aeroplan Miles when you spend $1,500 within your first 3 months of membership.
Earn 1 Aeroplan Mile for every dollar you spend up to $10,000 and 1.25 Aeroplan Miles for every dollar spent over $10,000 per year.
N/A
N/A
$120
Earn 1 Aeroplan Mile for every dollar you spend up to $10,000 and 1.25 Aeroplan Miles for every dollar spent over $10,000 per year.
No available introductory offer.
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year.
19.99%
22.99%
$0
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year.
Offers 50,000 bonus Aeroplan®* Miles when you spend $3,000 within the first three months of card membership.
Earn 1.25 Aeroplan®* Miles for every $1 charged on card purchases and 2 miles on eligible Air Canada purchases.
19.99%
22.99%
$899
Receive a bonus $200 in annual travel credit to use towards flights, car rentals, hotels and more.
Offers 30,000 bonus points when you spend $5,000 within the first three months of card membership.
Earn 1 Membership Rewards point per $1 spent and 1 additional point per $1 spent at three eligible AMEX merchants in Canada.
N/A
N/A
$250
Benefit from purchasing power that adjusts dynamically with your card usage and grows with your business over time when you maintain a good credit.
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months.
Earn 2x AIR MILES reward miles per $20 spent at eligible partners and IGA stores and 1 miles for all other purchases.
19.99%
22.99%
$0
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
19.95%
19.95%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
Offers up to 20,000 BMO Rewards welcome points upon minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 1 BMO Rewards point for every $1 spent.
19.99%
22.99%
$0
Offers a 1.99% balance transfer intro rate for the first nine months to new cardmembers.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Cash Back Rate Annual Fee
Receive 5% cashback (up to $300 cashback) in the first six months.
19.99%
22.99%
2%
$99
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
Earn 2.5% cash back (up to $150 cash back) in the first three months.
19.99%
22.99%
1.25%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
First year annual fee waived for new cardholders. Ends 31 October 2019.

20.99%
22.99%
4%
$0 annual fee for the first year ($120 thereafter)
Save with no annual fee for the first year. Ends 31 October 2019.
Receive a 7.99% introductory interest rate on all spend for the first six months. Ends 31 October 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
1%
$0
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 31 October 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
1%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Offers a 2.99% introductory balance transfer rate for the first 6 months. Ends 31 October 2019.
19.99%
22.99%
2%
$39
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
19.95%
19.95%
2%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
Earn 10% cash back on all purchases for the first 3 months (up to a total spend of $2,000). Ends 20 September 2019.
20.99%
22.99%
3%
$0 annual fee for the first year ($120 thereafter)
Get 3% cash back on eligible groceries, gas and bill payments and 1% cash back on all other purchases.
Earn $25 cash back if your account is active and in good standing within 90 days of account opening. Ends 20 September 2019.
19.99%
22.99%
1%
$0
Earn 1% in cash back on eligible groceries, gas, and bill payments and 0.5% in cash back on all other purchases.
Get $50 limited bonus cash back upon first spend. Ends 31 October 2019.
19.99%
22.99%
1.5%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Waived annual fee for the first year of card membership. Ends 31 October 2019.
19.99%
22.99%
5%
$0 annual fee for the first year ($79 thereafter)
Get up to 5% in GM Earnings upon initial spend of $10,000 in the first year and 2% subsequently.
Get 5% cash back in the first three months of card membership with first year annual fee waiver. Ends 30 November 2019.
19.99%
22.99%
1.5%
$0 annual fee for the first year ($120 thereafter)
Get 5% cash back in the first three months of card membership with a first year annual fee waiver. Ends 30 November 2019.
Get 5% cash back with minimum spend of $2,000 in the first three months of card membership. Ends 30 November 2019.
19.99%
22.99%
1%
$0
Offers a 1.99% balance transfer intro rate for nine months to new cardmembers.
Shell CashBack World MasterCard® from BMO
Shell CashBack World MasterCard® from BMO
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
19.99%
22.99%
3%
$79
Earn 3% cash back at Shell stations in Canada, plus 1.25% cash back on all other spend.
No available introductory offer.
19.99%
22.99%
5%
$0
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year.

Compare up to 4 providers

Name Product Welcome Offer Reward Purchase Interest Rate Cash Advance Rate Annual Fee
Get 2,500 bonus SCENE points with min. spend of $500 in the first three months. Ends 31 October 2019.
Earn 1 SCENE point per $1 spent on all purchases, plus 5 SCENE points for every $1 spent at Cineplex Entertainment theatres or cineplex.com.
19.99%
22.99%
$0
Save with no annual fee and earn 1 SCENE point for every $1 spent on all purchases.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 31 October 2019.
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Earn $25 cash back if your account is active and in good standing within 90 days of account opening. Ends 20 September 2019.
Earn 1% in cash back on eligible groceries, gas, and bill payments and 0.5% in cash back on all other purchases.
19.99%
22.99%
$0
Earn 1% in cash back on eligible groceries, gas, and bill payments and 0.5% in cash back on all other purchases.
Get 5,000 TD Rewards Points when your account is active and in good standing for 90 days after account opening (excluding Quebec residents). Ends 3 September 2019.
Earn 2 TD Rewards Points per $1 spent on eligible dining and bill spending, 3 points per $1 spent on travel bookings via ExpediaForTD.com and 1 point per $1 spent elsewhere.
19.99%
22.99%
$0
Earn 2 TD Rewards Points per $1 in grocery, restaurant, fast food purchases and regularly recurring bill payments, 3 points per $1 spent on ExpediaForTD.com travel bookings and 1 point per $1 spent elsewhere.
Offers up to 20,000 BMO Rewards welcome points upon minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 1 BMO Rewards point for every $1 spent.
19.99%
22.99%
$0
Offers a 1.99% balance transfer intro rate for the first nine months to new cardmembers.
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 2x AIR MILES reward miles per $20 spent at eligible partners and 1 mile for all other purchases.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
19.95%
19.95%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months.
Earn 2x AIR MILES reward miles per $20 spent at eligible partners and IGA stores and 1 miles for all other purchases.
19.99%
22.99%
$0
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
No available introductory offer.
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year.
19.99%
22.99%
$0
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year.
Receive a 7.99% introductory interest rate on all spend for the first six months. Ends 31 October 2019.
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments, plus an additional 0.5% cash back on all other spend.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments.
Get 5% cash back with minimum spend of $2,000 in the first three months of card membership. Ends 30 November 2019.
Earn 1% cash back on all other purchases. No caps, no limit.
19.99%
22.99%
$0
Offers a 1.99% balance transfer intro rate for nine months to new cardmembers.
Offers 150 AIR MILES® when you spend $1,000 within the first 3 months of membership.
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
19.99%
22.99%
$0
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
Earn up to 800 AIR MILES bonus miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 2x AIR MILES reward miles per $20 spend at eligible AIR MILES partners.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Earn 2.5% cash back (up to $150 cash back) in the first three months.
1.25% cash back rate on all purchases when your welcome offer ends. No cap.
19.99%
22.99%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Get 5,000 bonus Scotia Rewards points upon min. spend of $500 on eligible purchases within the first 3 months. Ends 31 October 2019.
Earn 1 Scotia Rewards point per $1 spent on eligible purchases.
19.99%
22.99%
$0
Earn 1 Scotia Rewards point per $1 spent on eligible purchases.
Offers a 3.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends 31 October 2019.
Save with a low interest rate and no annual fee
16.99%
16.99%
$0
Save with a low interest rate and no annual fee.
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 2x AIR MILES reward miles per $20 spent at Sobeys stores and 1 miles for all other purchases.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Get $50 limited bonus cash back upon first spend. Ends 31 October 2019.
Earn 1.5% cash back per $1 spent at Shell stations in Canada
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.

Compare up to 4 providers

Name Product Required Deposit Purchase Interest Rate Cash Advance Rate Annual Fee
$200 - $10,000
17.99%
N/A
$12.95
Take advantage of a low annual fee, with guaranteed approval and no credit check.

Compare up to 4 providers

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